The Impact of Retirement Retirement tests people’s ability to adapt to a new reality, which affects their family and social environment. This new phase of life not only reflects the talent a person demonstrated in building financial security, but also his/her own character. He/she can assume a passive attitude, which is detrimental in the medium term; or develop a new life project, starting from his or her own talents, work experience, and an open attitude toward new life challenges. One essential consideration for a successful retirement at a given economic level is to plan it well in advance, and to ensure a monthly income that is equal to, or better than, the income received during the years spent in the working world. At StateTrust Life and Annuities, a financial consultant meets with the customer to outline a plan of action with the goal of guaranteeing an income through sources such as annuities.