Approaching retirement can bring forth bittersweet feelings for some, and pure elation for others. The freedom to pursue hobbies or projects that have been on hold, spend time with family, and disconnect from constant email and communication associated with the modern workplace are among the top highlights that we hear about from recent retirees. Others miss the rhythm of the workplace, and the feeling of value they received from a rewarding career, so they ultimately end up filling their days with consulting work, volunteering, or some combination of the two. Regardless of how a person plans to spend their golden years, the following three steps are critical in securing the financial flexibility needed for a worry-free retirement.

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