Client Access  |  Careers & Advisory Teams

Beyond the Office: A Conversation on Transitioning into Retirement

Retirement is one of life’s biggest transitions. After decades of hard work and dedication, this milestone can conjure a spectrum of emotions from exhilaration to dismay. To help our clients better prepare for and embrace this new chapter of life, JNBA Financial Advisors brought together a few recent retirees and Amy Mullen, president of Money Quotient and an expert on navigating the transition to retirement.

During the panel discussion on April 16, hosted at the Westin Galleria in Edina and moderated by Minnesota media veteran Kim Insley, we heard personal experiences accompanied by new learnings and unexpected aspects of the transition to retirement. Here are a few key takeaways from the event, “Beyond the Office: A Conversation on Transitioning into Retirement.” 


It’s important to think about how you will transition and spend time in retirement. What is your vision of life in retirement? You might benefit from the learnings and experiences of others. Consider sharing your thoughts with loved ones, friends, and others who have recently entered or will also soon enter retirement. A meaningful discussion can take place without needing to share private financial information.


Things may not go as planned! While you can have a plan and do everything to prepare, life can throw curveballs and you may face challenges you did not anticipate. This makes it even more important to create a flexible plan that can adjust to various changes including goals and timeline.


Communicate with your spouse or partner about your vision and goals for retirement. Your perspectives may differ, and that is normal. Ensure you incorporate ways for both of you to experience your idea of retirement as individuals and a couple.


The transition to retirement can be hard. After decades of working, people can feel like they have lost their identity when they no longer have a career with which to associate. However, there are many rewarding aspects to this chapter of life! Be optimistic and focus on having a “growth” mindset that is open to new experiences and learning new things.

Listen to the full 60-minute panel discussion here. Please reach out to your JNBA Advisory Team if you have questions about your retirement journey or would like to explore this transition with further conversation.

Please note: All services provided by Money Quotient and Kim Insley are separate and independent of JNBA Financial Advisors, LLC. JNBA providing a professional referral could present a conflict of interest because the professional(s) may, on occasion, make a referral to JNBA which could result in an economic benefit despite the lack of any revenue sharing agreement in place. You are not obligated to engage the services of any such JNBA recommended professional, and the firm’s Chief Compliance Officer, Kimberlee M. Brown, remains available to answer any questions that you may have. Please remember that past performance may not be indicative of future results. Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by JNBA Financial Advisors, LLC [“JNBA]), or any non-investment related content, made reference to directly or indirectly in this commentary will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Moreover, you should not assume that any discussion or information contained in this commentary serves as the receipt of, or as a substitute for, personalized investment advice from JNBA. Please remember to contact JNBA, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. Unless, and until, you notify us, in writing, to the contrary, we shall continue to provide services as we do currently. JNBA is neither a law Firm, nor a certified public accounting Firm, and no portion of the commentary content should be construed as legal or accounting advice. A copy of the JNBA’s current written disclosure Brochure discussing our advisory services and fees continues to remain available upon request.

For complete disclosure information, please visit