Until recently most of us have looked at life as being divided into three distinct phases: education, work and retirement. Today, we are living longer, and often healthier lives, with the likelihood of living to 100 and beyond a distinct reality for an increasing proportion of people. This increase in lifespan is something that should be celebrated, but it also creates new risks and challenges. It is making traditional approaches to retirement increasingly outdated, driving a need to reframe the way we think about the second half of our lives.