But his proposition, I know RBC Wealth shares the same thing, we might retire the same length of time we actually worked.

In the last century, we've literally been gifted another life stage, another 30 or more years tacked on to the end of our lives.

So we really need to be planning beyond just that sort of traditional retirement of rest and relaxation, that leisure retirement, to look at what else might it mean.

It may mean those things, and it may also mean other things.

So I like to think about retirement today as the ability to do what you want when you want.

For many of us, that will include work or a business, entrepreneurship, volunteering, philanthropy.

So all of those things need to be thoughtfully planned for as well, not just that default retirement.

But do you actually have these conversations?