• Products

    World Bond Fund Monthly Positioning & Outlook

    View Now >

  • Insights

    Human-Centric Investing Podcast

    Listen to Latest Episode >

  • Practice Management

    Applied Insights Team

    Learn More >

  • Resources

    Tax Center

    View Now >

  • About Us

    Human-Centric Investing

    Learn More >

For many couples, the shift to retirement or an empty nest is everything they hoped for. But when unspoken expectations don’t align, it can be jarring. Learn how clients can share their individual visions ahead of time to help ensure a smooth transition.

A couple’s guide to aligning your individual visions for retirement

Many couples nearing a transitional period later in life, including those retiring or becoming empty nesters, anticipate the idyllic life depicted in glossy retirement brochures: Couples are living a stress-free life; they’re fit, youthful, and enjoying all their favorite things. It’s literally a picture-perfect chapter of life. 

For many couples, the transition to the next phase of life is everything they’d hoped for. But for others, the next chapter can be a rude awakening. Why? Because all along, each person had a different idea of what this phase would be like—but they never expressed it. 

So how can your clients know which category they'll be in, and what can they do about it?



  • What happens when couples don’t discuss their retirement expectations
  • How couples can have a productive conversation about their individual visions 
  • How couples can align their visions for a more successful transition




Featured Expert

Kristy L. Archuleta

Kristy  is an associate professor in the University of Georgia’s College of Family and Consumer Sciences. Dr. Archuleta’s research relates to the area of financial therapy and includes dyadic processes influencing financial satisfaction and marital satisfaction. Dr. Archuleta is a past president of the Financial Therapy Association.


Resource icon Resources for Financial Professionals

White Paper



Click here to order materials >

Next Steps

1 Download the client white paper below
2 Ask clients if they’ve discussed their retirement visions with one another
3 Encourage clients to complete the worksheet individually, and share their answers with one another

Order Now >

Kristy L. Archuleta, Ph.D., LMFT, is not affiliated with Hartford Funds.


The material on this site is for informational and educational purposes only. The material should not be considered tax or legal advice and is not to be relied on as a forecast. The material is also not a recommendation or advice regarding any particular security, strategy or product. Hartford Funds does not represent that any products or strategies discussed are appropriate for any particular investor so investors should seek their own professional advice before investing. Hartford Funds does not serve as a fiduciary. Content is current as of the publication date or date indicated, and may be superseded by subsequent market and economic conditions.

Investing involves risk, including the possible loss of principal. Investors should carefully consider a fund's investment objectives, risks, charges and expenses. This and other important information is contained in the mutual fund, ETF or closed-end interval fund prospectus or summary prospectus, which can be obtained from a financial professional and should be read carefully before investing.

Mutual funds and the closed-end interval fund are distributed by Hartford Funds Distributors, LLC (HFD), Member FINRA/SIPC. Exchange-traded products are distributed by ALPS Distributors, Inc. (ALPS). Advisory services may be provided by Hartford Funds Management Company, LLC (HFMC) or its wholly owned subsidiary, Lattice Strategies LLC (Lattice). Certain funds are sub-advised by Wellington Management Company LLP and/or Schroder Investment Management North America Inc. Schroder Investment Management North America Ltd. serves as a secondary sub-adviser to certain funds. Hartford Funds refers to Hartford Funds Management Group, Inc. and its subsidiaries, including HFD, HFMC, and Lattice, which are not affiliated with any sub-adviser or ALPS. The funds and other products referred to on this Site may be offered and sold only to persons in the United States and its territories.

© Copyright 2021 Hartford Funds Management Group, Inc. All Rights Reserved. Not FDIC Insured | No Bank Guarantee | May Lose Value