5 steps for couples to make a staggered retirement work

It’s a common dream of togetherness for older spouses: Nearly two-thirds of still-working couples expect to retire at the same time or within a year of each other, according to an April 2024

report from Ameriprise Financial. But those expectations rarely meet reality. The Ameriprise survey found that only 11 percent of retired couples leave their careers simultaneously, and

62 percent retire more than a year apart. “Social norms are changing, spouses are becoming more independent than in the past, and sometimes life gets in the way of our plans,” says Sue

Mintz, a certified retirement transition coach in Dallas. “The old goal of retiring together just doesn’t work for a lot of people anymore.” Whether it happens by choice or circumstances

beyond your control, such as a layoff or health issue, retiring at different times comes with challenges — and opportunities. Couples need to reimagine longstanding roles and routines,

adjust to the loss of one income, and find new purpose and ways of being together. If you and your spouse are navigating this sometimes-rocky terrain, retirement advisers and couples who’ve

been through it recommend these steps to smooth the way. 1. EXPECT AN ADJUSTMENT PERIOD On the first day of her retirement in 2017, Pat Link gave her husband’s closet a top-to-bottom

makeover — jeans and casual clothes in one place, work clothes in another, dress shirts arranged by color. When Gregg Link got home from work, he told his wife the new system would be a big

help when he packed for business trips. What he thought to himself was was: _This woman really needs something to do_. The Links laugh at the memory now, but they say it reflects the

challenges they faced as a couple after Pat, now 73, left her job as a process improvement manager at a health services company. “It was a bumpy road in the beginning because I was

struggling to find my purpose,” she says. “Also, more of your personalities, preferences and differences start to surface once you retire because you have more time to explore them.” In the

absence of regular workday hours, Pat’s night owl tendencies bubbled up, while Gregg, 65, is a morning person. She began socializing more with friends and throwing herself into volunteer

work, including founding a community nonprofit focused on beautification projects in Farmers Branch, Texas, where the couple live. They began going to bed and getting up at different times,

relying on a shared calendar to keep track of each other’s schedules. “We give each other grace to be separate, to be on different paths at different times in our lives — to not do

everything together,” Pat says. Gregg, a senior director of product management for a tile manufacturer, plans to retire in the next few years. He says it’s important for the working spouse

to support their partner as they’re finding their way. “There needs to be a lot of conversation and communication about what your lives are going to look like,” he says. Mintz agrees that

talking about your expectations is key. “Roles and routines are going to change. Having a shared vision of what that’s going to look like helps defuse tension,” she says. “The retired spouse

may be looking for the working spouse to come home earlier, or the working spouse expects the partner to do more cooking and laundry. All of that should be discussed and negotiated to avoid

conflicts.”