Retirement

Retiring comfortably isn't just about how much you've saved; it's about making sure that your money keeps working long after you stop working. Yet knowing how to invest and spend your money – without running out of it – is something far fewer people plan for.

Decades of saving is a hard habit to break. For many people approaching or entering retirement, the switch from accumulation to spending is as much a mindset shift as a financial one. With the right plan and the right support, it's one you can make with confidence.

Most people have a rough idea of when they'd like to retire. Far fewer have a plan to get there so find themselves working longer than expected to fund their retirement. Here are some of most common financial traps people fall into as they near retirement age and tips for how to avoid them.