"They had enough money, but they didn't have enough interests [or] activities to make a new life," she said.
"Now when someone comes to me for retirement planning, I ask them what they plan to do—volunteer, help with the grandkids, spend more time with a hobby, sport or interest," Lauber added. "If they don't have some clear answers, I explain that no amount of money will create a life of meaning and suggest collaborating with a life coach and [reading] some books to help them discover what their retirement can look like."
Lauber compares her clients' stated values and priorities against their cash flow.
"For example, are they buying a lot of cable service when they say they want to spend time with family hiking?" she said. "If this is in conflict, it's a big source of stress."
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For his part, Alan Goldfarb, CFP and managing director at Financial Strategies Group, said that most of his clients "don't know their goals."