The 4 Stages of Retirement

When you think about retirement, how do you feel? Are you excited about having more time to do the things you love? Worried about making your income last? Unsure of where to begin? Or maybe all of the above?

It may help to shift your thinking. Rather than viewing retirement as a one-time event or a single stage of life, think of it as an ongoing process. Whether you're building your nest egg, transitioning from saving to spending, newly retired or well into retirement, there are smart things you can do to build financial security and enhance your well-being.

At Fisher Investments, we help our clients seize the opportunities—and avoid the pitfalls—at every stage of their retirement journey. Since our founding in 1979, we've worked with tens of thousands of successful individuals, families, businesses and institutions.* It is our privilege to help them achieve their dreams and feel more confident about the future. We'd like to do the same for you.

This retirement planning guide includes actionable ideas for every stage of retirement and life.

While everyone's situation is different, we generally find most people fall into one of these four stages. Our goal is to meet you where you are and help empower you to get where you want to go.

_{*As of 6/30/2026. Fisher Investments and its subsidiaries serve over 210,000 clients globally.}