Hal has lived the American dream. A self-employed entrepreneur, he worked hard throughout his career to build a stable, successful life. He raised a family, saved well, and made sure that he prepared for retire- ment. But now that retirement has come . . . there's something missing. Why isn't "gone fishin'" all it's cracked up to be? Hal joins Richard, a new friend equally concerned about creating meaning and security in retirement. Together, they discover a new way of planning for the future that incorporates not just finances, but also personal goals and values. Although they are in different life stages and have different family and financial backgrounds, the two of them discover together the keys to creating a stable, fulfilling future. You'll learn from their story: • The time to retire isn't marked just by a dollar figure • You're retiring "to" and not "from" something • Targeted saving helps you achieve your goals • You can provide for your heirs in different ways, equitably

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