Published: September 15, 2025

 

Discover how to make your retirement about meaningful moments, not material things.

Retirement gives us something incredibly rare: time. Time to reconnect with what matters, explore new passions, and create moments that stay with us. But when it comes to how we use that time—and money—it’s easy to default to things we can buy.

At Hall Financial Advisors, we believe that retirement is an opportunity to create experiences that enrich your life. Connor McCreary, Financial Advisor, explains,

Retirement is about more than just accumulating wealth. It's about creating the kind of experiences that will truly enhance your life and your relationships. It’s about making memories that will last a lifetime.”

Here’s another way to think about it: How can you build your retirement “wishlist” around experiences rather than purchases? This can help turn your retirement into a time of becoming more connected, more fulfilled, and more you.

It's About the Feeling, Not the Price Tag

The moments that linger in your memory are usually the ones that made you feel something. For example:
● Taking a cooking class with your spouse.
● Hosting a family game night that becomes a tradition.
● Teaching your grandchild how to fish, knit, or bake.

Use Milestones to Create Memories

You don’t need a special occasion to create a memory, but tying experiences to milestones can make them even more powerful. Think about:
● Marking your retirement with a road trip to places you've always wanted to see.
● Celebrating an anniversary with a surprise weekend getaway.
● Taking a grandchild to a sporting event or concert on a big birthday.

Spend With Intention, Not Impulse

Some of the most meaningful experiences come from thoughtful, rather than expensive, choices:
● Upgrade your Saturday mornings—sign up for a class, take up hiking, or learn to paint.
● Gift yourself a weekend retreat or a solo day exploring a nearby town.
● Dedicate yourself to learning a new craft like photography or piano.

Make Space for Reflection

Experiences don’t always need to be big or bold. Sometimes, the richest moments happen in stillness. Take the scenic route. Start a journal. Share your stories with someone younger. Or just sit with a good cup of coffee and appreciate the journey so far. Leave room for presence. That’s where the magic often lives.

Create Traditions

Experiences can grow. What starts as a one-time idea can turn into a cherished tradition. Maybe it’s a yearly family camping trip. Or a weekly lunch date with old friends. These aren’t just things you do; they’re things that connect you.

Retirement isn’t about what you can buy—it’s about what you can live. This is your time. Time to dream. Time to explore. Time to invest in the moments that matter most. Because the most valuable things you can collect in retirement aren’t things at all—they’re the experiences that make you feel fully alive. Connor adds,

As you look ahead to retirement, make sure your financial plan supports your vision for the life you want to live—one filled with experiences that bring you joy and fulfillment.”

Ready to start planning for the retirement you want? Contact us today to schedule a consultation and discuss how we can help bring your retirement dreams to life.