It is the goal of the majority of investors, regardless of wealth level, to someday retire. It is true some Investors make a conscious decision to remain active in the workforce well beyond what is considered a “normal retirement age” as long as they are physically able, but this percentage is small. As investors enter retirement, their needs and priorities shift. While there are some investors that will always be Self-Directed and may never need assistance, the typical retired investor is more heavily dependent upon others for advice; and will eventually reach out to an advisory firm for expertise. Given today’s average life expectancy of 78, retired investors face challenges with their investments and expenses to ensure they can afford a healthy lifestyle, and in some cases create a multi-generational legacy.