The first 5 years of retirement are a pivotal time from an emotional standpoint: the transition out of work and into retirement can be difficult, and having a plan for how you will fill your days can help avoid the feeling of aimlessness that often occurs among recent retirees. 

This period is also pivotal from a financial perspective. The financial steps you take can have a significant impact on your financial security and well-being as you go further into your retirement years.

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