--- title: The 5 Stages of Retirement description: Get your roadmap to retirement with our guide through the 5 key stages. Gain valuable insights for a fulfilling journey ahead. Start reading now. image: https://blog.emvisioncapital.com/hubfs/The%205%20Stages%20of%20Retirement_1600.jpg --- Menu [Investor 360 Client Portal](https://signon.advisor360.com/as/authorization.oauth2?response_type=code&access_token_manager_id=jwt&AuthParam=SQL&client_id=Investor360&pfidpadapterid=i360Idpadapterid&isI360=true&redirect_uri=https://www.investor360.com/Login/login&state=null) [** ](https://www.facebook.com/EmVisionCapitalAdvisors/) [** ](https://www.linkedin.com/company/emvision-capital-advisors/) [** ](mailto:info@emvisioncapital.com) [ (330) 954-3770 ](tel:3309543770) # [![EmVision Capital Advisors](https://blog.emvisioncapital.com/hubfs/raw_assets/public/EmVisionCapitalAdvisors_August2022/images/36-layers.svg "EmVision Capital Advisors")](https://emvisioncapital.com/) # The 5 Stages of Retirement * Published by James Artale * Retirement is a life-changing event. After spending years looking forward to it, many people aren’t sure what to do with themselves when it finally arrives. Without the everyday routine and social outlet that work provides, it’s easy to feel a little lost. Preparing for the inevitable changes that retirement brings can help you make a smooth transition into this new stage of life. ## Stage 1: Imagination (Up to 15 Years Before Retirement) You begin looking forward to retirement and envisioning what life will be like when you’re no longer working. This is a great time to start making plans for what you’d like to do when you retire, whether it’s traveling, spending more time with family, or adopting new hobbies. Of course, it’s also essential to ensure that your [retirement savings plan](https://blog.emvisioncapital.com/retirement-planning-at-every-age) is aligned with your goals. ## Stage 2: Anticipation (5 Years Before Retirement) As [retirement](https://blog.emvisioncapital.com/countdown-to-retirement) approaches, your excitement may be accompanied by a twinge of fear. To ease any anxiety you may feel, focus on mapping out what your day-to-day life will look like, and take any necessary steps to prepare yourself for the changes retirement will bring. ## Stage 3: Liberation (Retirement Day and 1 Year Following Your career has come to an end, and your retirement officially begins. This stage is characterized by an abundance of activity. Spending time with family, reconnecting with old friends, and finishing projects around the house may become your primary pastimes. You may also travel or discover new hobbies—all things you looked forward to while you were working. ## Stage 4: Reorientation (2-15 Years Into Retirement) After the retirement honeymoon period is over, you may start to feel that it’s not everything you dreamed it would be. In addition to the lifestyle adjustments you face, one big concern looms over everything else: are you [depleting your retirement assets](https://blog.emvisioncapital.com/paying-for-your-retirement) too quickly? Your plans should remain flexible to account for possible changes in your needs or lifestyle. ## Stage 5: Reconciliation (16 or More Years Into Retirement) During this stage, many retirees experience some depression or sadness. To avoid feeling down or bored, it’s crucial to stay active in hobbies and to maintain social connections. Instead of reflecting too much on the past, consider all the exciting opportunities still available to you. Finding new activities, staying in touch with family and friends, and making new acquaintances are all good ways to remain productive and optimistic.  ## Looking for Some Guidance?  For years, we've been helping individuals and families plan for [retirement](https://emvisioncapital.com/retirement-planning/). [Contact us](https://emvisioncapital.com/contact-us/) today with questions or to get started.   James Artale is a financial advisor located at **EmVision Capital Advisors, 251 W. Garfield Rd. ​Suite 155 Aurora, OH 44202**. He offers securities and advisory services as an Investment Adviser Representative of Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. He can be reached at (330) 954-3770 or at [info@emvisioncapital.com](mailto:info@emvisioncapital.com). *This material has been provided for general informational purposes only and does not constitute either tax or legal advice. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a tax preparer, professional tax advisor, or lawyer.*  #### SHARE [**](https://www.facebook.com/sharer/sharer.php?u=https://blog.emvisioncapital.com/the-5-stages-of-retirement&src=sdkpreparse) #### EmVisionblog ## welcome [![EmVision Capital Advisors Achieves Elite Status with Commonwealth and AssetMark](https://blog.emvisioncapital.com/hubfs/Commonwealth%20and%20AssetMark%20Recognition.jpg) ###### EmVision Capital Advisors Achieves Elite Status with Commonwealth and AssetMark EmVision Capital Advisors, a leading provider of comprehensive wealth management services, proudly announces its recent attainment of "President's Club" status with Commonwealth and "Platinum" status with AssetMark. 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While a full trade agreement is still out of reach, recent developments signal a welcome pause and a step toward economic... ![EmvisionCapital](https://blog.emvisioncapital.com/hubfs/raw_assets/public/EmVisionCapitalAdvisors_August2022/images/36-layers-1.svg) ](https://blog.emvisioncapital.com/shifting-trade-winds-and-what-it-means-for-the-market) [![Icon_feather-phone](https://blog.emvisioncapital.com/hubfs/Icon_feather-phone.svg) (330) 954-3770 ](tel:3309543770) [![Mail](https://blog.emvisioncapital.com/hubfs/Icon_material-mail-outline.svg) info@emvisioncapital.com ](mailto:info@emvisioncapital.com) ![Location](https://blog.emvisioncapital.com/hubfs/Icon_material-place.svg) 251 W. Garfield Rd. ​Suite 155 Aurora · OH · 44202 ![Location](https://blog.emvisioncapital.com/hubfs/Icon_material-place.svg) 1954 Hubbard Rd. 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Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®. This communication is strictly intended for individuals residing in the states of OH, AZ, CA, CO, DC, FL, LA, MD, MI, MS, NM, OR, PA, SC, SD, TX, VA, AL, HI. No offers may be made or accepted from any resident outside these states due to various state requirements and registration requirements regarding investment products and services. Review our Terms of Use: www.commonwealth.com/termsofuse.html. Copyright © 2022 EmVision Capital Advisors. 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