The Part Nobody Plans

Retirement Is More Than a Number

Time

Forty free hours a week sounds wonderful — until week six.

Identity

Who are you when nobody asks what you do?

Connection

Work friendships fade. New ones take intention.

Purpose

A reason to get up that's bigger than the crossword.

shaded pergola with seating overlooking a desert valley
Meet Ruthanne Gaskill

Thirty Years in HR, Then Her Own Retirement

The phone calls used to come about a year after the retirement party. "The money's fine," people would say. "I just don't know what I'm for anymore." Ruthanne heard it often enough in thirty years of human resources to know it wasn't bad luck — it was a missing plan.

When she retired herself in 2015, she built that plan the hard way. Now she helps others design the life side of retirement: what to keep, what to start, how to share a house with a partner who is suddenly home all day, and how to feel useful without a job title.

  • ✓Thirty years in human resources
  • ✓Retired herself in 2015
  • ✓Works alongside your financial advisor
The Retirement Runway

Three Stages Worth Planning

1

18 Months Before

Imagine the week you want, test it on weekends, and pick a date with confidence.

2

The First 100 Days

Honeymoon, then restlessness. A simple structure keeps you from drifting.

3

Years One and Two

Settle into purpose, community and the rhythms that make retirement good.

100 daysFirst-Year Launch Plan
18 moIdeal Time to Start Before
40+Employers Served
Stories

Retirements That Feel Right

★★★★★
My financial planner had the numbers sorted. What nobody had asked was what I'd actually do with forty unscheduled hours a week. Ruthanne did — and a year in, I teach woodworking at the community center and I've never been busier or happier.
Gary P.First Year of Retirement
★★★★★
We'd been married thirty-four years and it turned out we had completely different retirements in mind. Four sessions later we had a plan we both love, including two months a year in Oregon near the grandkids.
Linda & Mike S.Couples Retirement Coaching
★★★★★
I was dreading leaving a job I loved. Planning the transition eighteen months ahead made it feel like a graduation instead of a cliff.
Dr. Janet W.Pre-Retirement Coaching
Fees

Packages for Each Stage

Coaching covers the life side of retirement. For money questions, keep working with your financial advisor.

Retirement Runway

$1,200

Six sessions over six months.

  • Before you retire
  • Written first-year plan
  • One session with your partner
Schedule a Conversation
Most Popular

First Year

$1,800

Ten sessions across twelve months.

  • Monthly sessions after retirement
  • Encore and volunteering options
  • Email support between sessions
  • Quarterly purpose review
Schedule a Conversation

Couples Plan

$900

Four joint sessions.

  • Each partner's picture of retirement
  • A shared weekly rhythm
  • A plan for travel, family and space
Schedule a Conversation
open notebook and water glasses on a dark table
For Employers

Send Your Retirees Off Ready

Half-day workshops for employees within five years of retirement, covering identity, time, relationships and purpose — the topics benefits sessions skip. On site in southern Arizona or online.

How the Plan Comes Together

Imagine, Rehearse, Launch, Settle

1

Imagine

Sketch a week in retirement you'd genuinely look forward to.

2

Rehearse

Test it on weekends and vacations before the last day of work.

3

Launch

A first-100-days plan so the honeymoon doesn't turn into drift.

4

Settle

Adjust as you learn what really fills you up.

FAQ

Common Questions

Do you give financial advice?

No. Ruthanne coaches the life side of retirement and works alongside your financial advisor, never in place of one.

When should I start?

Twelve to twenty-four months before your date is ideal, but it's never too late — many clients call a year after retiring.

My spouse isn't sure. Can I come alone?

Of course. Many people start alone and invite their partner for a joint session later.

Do you work with employers?

Yes. Workshops for employees approaching retirement can be held on site or online.

Talk It Through Before You Set the Date

A free thirty-minute conversation, by phone, video or in person on Broadway.

Get in Touch

Appointments Monday to Thursday in the Broadway office or online. Ruthanne replies within two business days.

Schedule a Free Conversation