Welcome back to Your Life and Money, where financial planning meets real life. In this episode, Brad Smith and Tim Borody continue the conversation around one of the most overlooked yet essential aspects of retirement—preparing not just financially, but emotionally and psychologically for this major life transition.

With decades of experience guiding clients into retirement, Brad and Tim explain why even the most financially secure individuals often feel lost or unsettled once they step away from work. That’s where the Retirement Coaching Program comes in—a life-centered approach to helping people find purpose, structure, and fulfillment in their post-career years.

This episode explores three central themes:

• Identity and Purpose After Work: Why retirement often causes people to ask, “Who am I now?”—and how to find meaningful answers.
• From Accumulation to Distribution: Shifting mindsets from earning and saving to spending with intention and confidence.
• Coaching for the Human Side of Retirement: How structured conversations and thoughtful planning can help you design a retirement that’s rich in purpose, connection, and clarity.

Retirement isn’t the end—it’s a beginning. Tune in and start imagining what’s possible.