Ask yourself how much time you want to spend working, where will it be and what would you like to be doing? You have a far better chance of realizing the future you want if you think closely about what you hope to achieve;

Sit down with your employer and explore ways to make a workplace arrangement that will serve both you and your company if you are determined to stay in the workforce. Planning together gives you a much better chance of making it happen.

Suzanne Armstrong is President of Lifes Next Steps, a popular program that is helping Canadas soon-to-be retirees plan for their future. Contact her at [email protected] or visit http://www.lifesnextsteps.com to learn more about the program.