Peter Black is a business and executive coach and also an accredited retirement coach. He talks about the challenges brought on by retirement and of what is often an ‘emotional roller coaster’ going from a structured work life to, essentially, a blank canvas. He’s also a fan of taking a gap year to test-drive retirement—something he’s already done.

Bruce Manners: the author of Retirement Ready?, Refusing to Retire, and founder of RetireNotes.com