Dear Retiree,

When you think of retirement, what do you think of?

Is it dollars and cents?

Is it travel? Or time freedom? Some other bucket list item?

Maybe you feel insecure. How will you afford your life? What if your money runs out? What will you do with your time? What will it be like to not work? Will you feel lonely?

Like most retirees, you may end up wanting to check the box that says: It’s complicated.

Luckily, your retirement does not have to feel so uncoordinated, disorganized, and stressful.

In fact, I believe you can flourish.

What do I mean by ‘flourish’?

Well, I took the word from Martin Seligman’s book of the same title. Seligman, the father of positive psychology, broadened the field from a science of happiness, focused on positive emotion, to well-being, including important matters like meaning and accomplishment.

Similarly, I think retirement planning must broaden from a science of money to a science of financial well-being.

Financial well-being goes beyond dollars and cents, our balance sheet, investment statement, income, and expenses, to how money supports our health, daily joys, aspirations, family, community, and a sense of purpose.

In other words, there is financial security, having enough money to support your retirement, and there is flourishing in retirement.

Do you want to flourish in retirement?

If you want to learn how to flourish in retirement while nurturing financial security, this newsletter is for you.

Morgan Ranstrom, CFA, CFP® is a retirement cash flow planning expert and fee-only fiduciary financial advisor who helps his retiree clients enjoy financial security while:

  1. Spending More on meaningful items and experiences

  2. Giving More to family, charity, and legacy goals.

  3. Worrying Less about finances throughout retirement.

Morgan is the author of Money with Purpose: Receive the Dividends of an Undivided Financial Life and a partner and lead financial planner at Trailhead Planners, a boutique wealth management firm serving retirees. Morgan is an in-demand financial industry writer via his popular newsletter for planning-focused financial advisors, The Value of Advice.

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  • And More! I’m working on other great ways to spread the message of financial well-being in retirement. Stay tuned!

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Impactful strategies for retiring with intention, joy, and financial security


Morgan Ranstrom

Author of "Money With Purpose: Receive The Dividends of an Undivided Financial Life." I help people navigate the intersection of money and purpose.