The change has become too obvious to ignore or avoid. Hurricanes and tropical storms are getting fiercer along the coasts, while inland areas deal with more flooding than ever. The West continues to battle increasingly severe wildfires, and extreme heat waves are becoming more common nationwide. Even “typical” winter storms are more unpredictable and intense in many places. While the specific climate risks vary depending on where you live, these threats mean you and your loved ones need to be better prepared than before.

You’ve been thinking about retirement for a long time, and lately, it’s becoming more appealing every day. Retirement also brings some changes related to finances, health, family, and other issues. The purpose of this guide is to introduce topics and changes that you may face as you enter retirement and to suggest specific steps you can take to ensure that this new period of your life is secure and enjoyable.