Approaching Retirement Is Like Driving Into a Fog Bank

For most of your career, the road ahead is clear. You’re earning, saving, investing. Retirement sits comfortably on the horizon. Then suddenly, you’re in your late 50s or early 60s — and the visibility drops. The goal is to move through it calmly with a plan that works, keeping your low beams on, your hands steady, and your eyes on what matters most: living the next chapter of life with clarity and confidence.