Retire separately, plan together

Although most of us envision a life where we retire as couples, many partners stop working at different points. In fact, studies show that simultaneous retirement occurs with fewer than one in five couples.
Together, we can consider what retiring at different times can mean for you and your spouse. The key is communication and planning.

Some issues to consider:


One of the key challenges is the fact that the visibility and self-esteem you get from work can be difficult to replicate when you retire. A retiree can have a difficult time determining his or her post-working-life identity. Being aware of the changes you face is key to preparing.


Talk with each other about how the first-retired spouse might feel about the other partner being the main breadwinner, and how the retirement of one spouse might affect the other’s plans for retirement. One partner’s retirement could mean the other might want to work longer in order for group benefits to continue.


It’s important for a newly retired partner to have a routine, clear expectations of responsibility, and regular social contact.

Planning for both the financial and emotional aspects of retirement is important. We can help you plan the financial and lifestyle aspects, which in turn might be helpful with the emotional ones.

The information contained in this article was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete and it should not be considered personal advice. Aviso Wealth Inc. is a Member of the Canadian Investor Protection Fund.

For more information on this or other retirement options,
contact Devron at 204-937-6557 or email

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