When we retire or turn 65, most of our life transitions occur as we begin to prepare for retirement. People's thinking begins to shift, as their healthcare transitions to Medicare, their life insurance is probably changing when they leave their job, and their financial needs will be changing too. They will not be doing the same things as they were accumulating, as they are now in the distribution phase. You should be a one-stop shop, and get a whole picture of your client's needs and provide service for everything not just one thing. Life, Healthcare, and Retirement Planning.