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December 3, 2025 Thoughts on Retirement and Transitions

I have already retired once. In 2009, I officially left my position as a Business Director in 3M. But that wasn’t the end of my career. I knew I wasn’t yet done with teaching others, imparting leadership lessons, and providing guidance, so I set up UXL, an organization dedicated to helping people navigate transitions, improve leadership, and capitalize on opportunities. 

After over 16 years of running UXL, I have made the difficult decision to ease into retirement. I’m considering these next few months my “off ramp” and will be getting all my ducks in a row for stepping away from my career. It’s time to enjoy some travel, spend time with my kids and grandkids, and stay engaged in community activities and organizations. 

With this in mind, I put together a few thoughts about retirement (in general) and my plan going forward:

The word retirement carries many different emotions: fear, anxiety, excitement, enthusiasm, relief, and joy. Joy because you worked hard to be at this point and you are well-prepared, fear because of the wonderful relationships, support, friendships, and business associates that have been such an important part of your life, and the thought of not engaging with them on a regular basis is sad.

I wrestled with the whole idea and the right timing. But, like so many other life decisions, there is no perfect time. I just had to set a date and work toward it, keeping a positive attitude and looking for opportunities that exist in the next chapter of life. This whole transition is made more difficult by the fact that I love what I do and genuinely like the clients I work with. But every transition carries a whole series of emotions and thoughts.

In my situation, I have the luxury of being able to step away from UXL slowly. Over the next several months, I will wrap up contracts and stop taking on new clients and projects. As you may know, one of the cornerstones of my business is the Insights Discovery program. To ease out of this practice, I have helped Stephanie Elliston of The Steady Elevation (stephanie@thesteadyelevation.com) take over my work. She is a wonderfully skilled and savvy individual, and I know she will thrive as a Licensed Practitioner of Insights Discovery.

My other work on leadership development and career coaching will go to a variety of people that best fit the needs of particular individuals and organizations. I would be glad to give referrals if you need some help identifying the right person.

I will also be continuing my blog posts and newsletter for a few more months, since I believe I still have some wisdom to impart. So, stay tuned!

What will I be doing?

Spending time with family: With a son and his family living on the west coast and another son and his family living a few houses away from us, I am looking forward to having a relationship with my grandchildren that I have dreamed of. I spent a lot of time with my grandmothers and always envisioned the same for me. Now I get that chance.

Traveling: Not only will I be traveling to the west coast to visit my son and his family, I will also periodically visit the rest of my family, who lives on the east coast. So, I may not know what time zone I am in for a while! I am looking forward to reconnecting with my siblings and their families. Additionally, I plan to travel abroad from time to time, but that’s all TBD! 

Volunteering in my Community: There is so much to do to help make a community, and I plan on getting more involved with the Chamber, my church, and the causes that are important to me. When you work full-time there is not as much time or energy to give, but now I can. Watch out Stillwater!! I love bringing people together, as my neighbors can attest! Together, we have built a wonderful little section of town that cares for each other, celebrates, and knows how to have fun.

Have you thought about your retirement, or perhaps a “rewiring” or rejuvenation, if it is not yet time to fully retire? Who would you like to reconnect with, where are your strengths needed (many nonprofits need professional help), and what brings you joy?

Although I will no longer be officially coaching others, I always enjoy hearing about people’s plans and intentions. If you’d like to share yours, feel free to send me a note.

MARGARET SMITH IS A CAREER COACH, AUTHOR, INSIGHTS® DISCOVERY (AND DEEPER DISCOVERY) LICENSED PRACTITIONER, AND FOUNDER OF UXL. SHE HOSTS WORKSHOPS FOR PEOPLE WHO NEED CAREER OR PERSONAL GUIDANCE.

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December 18, 2024 When a Change is on the Horizon

Limited Time Offer: My online leadership course is on sale for $98. Enjoy the “Invest in YOU” discount.

For the past couple of years, I have been toying with the idea of retirement. However, whenever I think my plan is in place and I’m ready to begin heading toward the “off ramp,” I gain a new client or speaking gig, or an exciting new opportunity lands in my inbox. So, I delay a while longer. However, a part of me is realistic about the inevitable path ahead, so I’m taking actions that will help me when this moment of transition comes: I’m observing, listening, and learning from others.

Technically, I retired once already when I left my leadership role at 3M. That time was different, though, because I was still fairly young and had some vague plans for starting a second career—the coaching business that became UXL. This time feels more final.

So, what have I learned from observing and listening to those who have made a leap into retirement? These are a few of my takeaways:

Reframe Your Identity

For many of us, our identity is closely tied to our work. When you meet someone new, it’s common to ask, “What do you do?” Once you retire, that question can seem daunting or even embarrassing. No one wants to say, “Well, I used to be…” You can, however, take ownership of your identity and reframe it. For example, instead of saying “I’m retired,” you could say, “I volunteer at the local animal shelter and am spearheading a project focused on children’s literacy.” This allows you to focus on the activities and interests that are important to you, rather than defining yourself by what you used to do. Embracing a new identity can help you feel more purposeful and engaged in this next chapter of your life.

Find Your Community

When you step away from a workplace, you end up losing an entire group of people that you regularly see. This may leave a gap in your social life, and you might feel like you’re missing something, especially if you regularly interacted with your work team or colleagues. Building a community outside of the office is essential. These could be friends, a book club, a community volunteer group, a church committee, or any type of organization that allows you to connect with others. Finding ways to build new relationships and stay socially engaged can help ease the transition into retirement.

Maintain a Routine

Many retirees find that maintaining a routine is crucial for their well-being. Without the structure of a traditional workday, it’s easy to feel adrift. Establishing a daily or weekly schedule can provide a sense of purpose and help you stay productive. This could include exercising, pursuing hobbies, volunteering, or even scheduling regular social activities. Maintaining a routine can help you feel grounded and prevent boredom or a sense of aimlessness. Additionally, I’ve learned that it’s important to leave room for spontaneity and flexibility, so you don’t feel overly constrained.

Stay Active and Engaged

Keeping your mind and body active is crucial. Retirement is an opportunity to explore new interests and expand your knowledge. Consider taking classes, attending lectures, or pursuing hobbies you’ve always wanted to try. It’s also a good idea to stay in motion, which might mean pursuing an active hobby like hiking, cycling, or swimming. Staying engaged can help prevent boredom, provide opportunities to learn something new, and help you stay active and physically fit.

Embrace Flexibility and Adaptability

As you navigate retirement, be open to embracing change and adapting to new circumstances. Your plans and expectations may evolve over time, and it’s important to remain flexible. Be willing to try new things, explore new possibilities, and adjust your routines as needed. Retirement is a journey, and being adaptable will help you make the most of this new chapter.

Remember, there is no one-size-fits-all approach, so be patient with yourself as you navigate this transition. With an open mindset and a willingness to try new things, you can create a fulfilling and meaningful retirement that aligns with your values and interests.

These are just a few of my observations and learnings from people who are thriving in retirement. To me, it is mainly important to maintain an open mindset, have patience, and allow your retirement years to take whatever shape they will. Retirement is not a singular destination, but a dynamic journey that evolves over time. Someday in the not-so-distant future, I will embark on this journey too…but not quite yet.

MARGARET SMITH IS A CAREER COACH, AUTHOR, INSIGHTS® DISCOVERY (AND DEEPER DISCOVERY) LICENSED PRACTITIONER, AND FOUNDER OF UXL. SHE HOSTS WORKSHOPS FOR PEOPLE WHO NEED CAREER OR PERSONAL GUIDANCE. 
CHECK OUT MARGARET’S ONLINE LEADERSHIP COURSE. 

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