When the Plan Changes

Written By: Scott Van Den Berg, CFP®, ChFC®, CEPA®, AIF®, CRPS®, CMFC®, AWMA®

The years between 55 and 65 are often called the “easy math” years—peak earnings, final savings, and a clear path to retirement. But for many people, that’s not how it unfolds. Job changes, health issues, or unexpected career disruptions can force decisions earlier than planned. The real risk isn’t change itself—it’s being unprepared for it. This article explores why late-career transitions are more common than most expect, and how thoughtful planning can help protect your income, lifestyle, and confidence when the unexpected happens.

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