The heart of retirement for many, is time spent with those we love, our family, and friends. We’ve earned more time to devote to others, and time to pass along our stories and memories that will take on a life of their own for those who carry them forward.

Far beyond the bucket list is a moment that will crystalize our life in another’s memory. It’s a moment that is likely to be in our home, safe and familiar to us. We’re not entitled to the moment, but luck comes to those who work for it.

Take time to plan for a long retirement, not just the first ten years. Old and frail, comfortable and happy can coexist in harmony, if we take action in our early retirement years. Aging in place takes careful planning and deliberate action. Add in some luck, and we’ll be afforded many of these moments in our later, and possibly best years.