Stop Fighting, Start Planning: How to Build a Retirement That Satisfies Both Spouses

"We're fine."

"I've got it covered."

"We have plenty of money."

"You don't have to worry; I left the password to the accounts by the computer."

I hear these comments all the time from the husbands who come to my office.

And then, in the same meeting, I'll hear from the wife:

"I'm afraid of losing money."

"We can't handle another 2008."

"We aren't good planners; we made so much money but didn't save enough."

And, "What does 'We have plenty' mean, exactly, if I'm the surviving spouse?"

These couples have been married 20, 30, even 40 years or more. How can they be so at odds after decades of navigating life together?

In retirement, clients should be enjoying their lives -- taking