If you are going to retire, you need a plan and be ready that it's going to take you 180 degrees away from your career, doing something that really gets your juices going. It will help you to avoid post-career depression. You could not be certain what's next for you, but you can make sure that you set yourself up for a painless transition. So those who think about 401 retirement plan in advance.

Three ways to segue from your career to retirement are presented below.

1. A yearlong adventure. Here one example should be necessary mentioned: when Don Kjelleren retired in 1993 after 37 years of service with DuPont, he instinctively knew that if he went to a dead stop from travelling non-stop around the world and managing over lots of employees running international marketing for the company, it would be, deadly for him. He decided to band his love of travel with his passion for mountain climbing and his competitive nature and made for himself a yearlong goal to climb the highest mountain. It’s very interesting to know that before this adventure he was terribly terrified of the water. He overcame his fear and reached his aim, and in addition he successfully decompressed from his high-powered career and was recharged and ready to create the life he's enjoying today.

2. You can get a degree in a topic that fascinates you. For example when Jean left her career, as a successful therapist at 62, she was also ready for an adventure. She's very curious about the world, loves meeting different people and exploring new cultures, and has had a lifelong love of learning. She made a decision to learn something new and she spent one academic year at the University in Austria and then finished her thesis at home. She found that program exciting, stimulating, and intellectually challenging, but her greatest joy was living in a dorm with people from all continents. It was a perfect place for her to lose all fears and prejudices. She came back home with an understanding that she is ready to live a full, rich life.

3. Shift down in your work, as you gear up for the next thing. And here is another example. Before retirement, Tara decided that she was going to take control of her life, and her future. So, she began exploring - through coaching - what might be next for her. She was eager to start her own business, and it didn't take her long to hone in on the idea of Wittz End, a relocation concierge service specializing in helping seniors, their families, and estate executors prepare, organize and coordinate the entire moving process. Now halfway through the year, Tara’s website is almost ready to be launched, logos, business cards and brochures are printed, and her home office is coming together. She started working 4 days a week at her job, and three days a week on her new business. Obviously, using this last year of work as her segue is setting Tara up for a strong start to her new "retirement" life.

You should think about how you'll segue into retirement, and make a plan, believe that will be fun and challenging and will not let your dream of happy retirement to become a nightmare.

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