Finding Romance in Retirement

Retirement changes almost everything about your daily life, including your relationship landscape. Whether you're single and considering dating in retirement, or you've been with a partner for decades, this life stage offers unique opportunities to reimagine what romance looks like for you.

When Your Routine Disappears

Work provides structure, identity, and often physical separation that creates natural rhythms in relationships. When that framework vanishes, couples suddenly spend significantly more time together, sometimes without having planned for it. This transition can strengthen bonds or expose cracks often covered up by busy schedules.

Singles face a different shift. The social networks you’ve spent decades building may shrink just as you have more time for connection. As your daily routines change, finding where and how to meet potential partners requires intentional effort in ways it might not have before.

Rekindling Romance in Long-Term Relationships

Many couples discover that retirement offers a chance to rediscover each other. You're not the same people who got married decades ago, and that's something worth exploring. What interests you now? What do you want to experience together?

Remember, small gestures matter more than grand plans. Regular date nights, shared hobbies you both enjoy, or simply making time for unhurried conversations can rebuild intimacy. Some couples find that traveling together, whether weekend trips or extended adventures, reignites their connection.

The challenge often lies in balancing togetherness with the desire for independence. You both need individual pursuits and friendships outside the relationship because too much proximity without personal space can create tension.

Dating in Retirement Brings Different Dynamics

If you're entering the dating world later in life, you probably have skills that younger daters lack. Use your hard earned self-knowledge and life experience to your advantage. You've likely learned from past relationships and know your dealbreakers.

Modern dating looks different than it might have decades ago. Online platforms have become common across all age groups, so be thoughtful about how you present yourself and what you're genuinely seeking. Now, maybe more than ever, it’s important to be transparent about whether you’re looking for serious companionship or just finding friendship.

Practical considerations matter more now as well. Adult children may have opinions, financial situations are often more complex, and health concerns exist. Geography also matters when families are involved. None of these are barriers; they're simply factors that deserve honest conversation earlier in the relationship.

What Romance Actually Means Now

Romance in retirement doesn't need to mirror what it looked like at 30. The intensity might be different, but the significance often runs deeper. You're less interested in impressing someone and more focused on genuine compatibility. You know what loneliness feels like, what good companionship provides, and why both matter.

Whatever form it takes, romance in retirement deserves the same attention you'd give to your finances or health. You have time you didn't have before. Spending it connected to someone who enhances your life, or actively searching for that connection, represents a meaningful way to live these years.

Annual Market Review - 2025

As 2025 has come to a close, this annual market review breaks down the key economic forces, policy decisions, and global events that shaped market performance across major asset classes this past year. We highlight how equities, fixed income, and global markets responded throughout the year—and what those trends could mean for long-term investors heading into 2026.

Giving More Thoughtful Gifts

Giving More Thoughtful Gifts

We all want to find that "perfect gift" for everyone on our nice lists. But in the online shopping age, most people swipe and click to whatever they want every day of the year. Teens and children might be disappointed by any present they can't load onto their screens. Clothes might not fit. Food and beverages might not be to everyone’s taste. Older relatives might grumble that you spent money on them at all.

The secret to less stressful gifting is to think outside of the box – literally. Shopping from these three holiday gift categories will make the season a little merrier for your loved ones and for you

The Pros and Cons of Retiring Early for Medical and Dental Professionals

The Pros and Cons of Retiring Early for Medical and Dental Professionals

Once your degrees are earned and jobs are secured, many doctors and dentists find themselves on the fast track to some major financial goals -- including, perhaps, early retirement. After all, between those extra years of studying and the daily demands of working in medicine, doctors and dentists might feel like they've worked a full career well before they hit their 60s.

If you're considering adding early retirement as a life goal, discuss these pros and cons with your spouse and your Life-Centered Financial Planner.

Should You Purchase a Second Home with Friends?

Should You Purchase a Second Home with Friends?

Owning a home away from home can add some significant value to your portfolio and your ROL. A second home can be an escape, a change of scenery, a place to immerse yourself in specific interests, sports, or hobbies, or the focal point of meaningful get-togethers for generations to come.

But if you can't make owning a second home work on your own, should you consider sharing the costs, responsibilities, and space with another family?

While the logic might seem compelling, sharing real estate will add a complex business arrangement to your friendship. Make sure you and your prospective co-owners talk through these three important issues.

Choosing a Retirement Withdrawal Strategy for ROL

Choosing a Retirement Withdrawal Strategy for ROL

What's the right balance between enjoying your wealth in retirement and making sure your nest egg lasts all the way through retirement?

To answer that question, many retirees turn to a number: 4%. But as many of the assumptions about both personal longevity and economic stability continue to change, longstanding assumptions about spending and withdrawal rates in retirement are changing as well.

Each of these three withdrawal strategies can be useful in preparing a successful retirement spending plan. But is any one of them comprehensive enough to improve your confidence about your retirement and your ROL?

Pursuing Unretirement for a Better Return on Life (ROL)

Pursuing Unretirement for a Better Return on Life (ROL)

Unretirement is on the rise. According to a recent survey by F&G Annuities & Life, 29% of retirees are considering a return to work. That includes 54% of Gen Xers who retired early.

While many retirees jump back into the workforce because they are worried about running out of money or feel like they're lacking purpose, you can also approach unretirement from a positive perspective. 

Here are three ways that unretiring might help settle some of your money concerns while boosting ROL in the process.