Once again, Carl Richards has nailed a complex topic — retirement — with his “back of the napkin” sketches.  In a recent New York Times article, Richards’ four drawings (including the one at top) essentially capture all the ways to think about retirement.

While we don’t agree with Richards’ premise that Traditional Retirement is outdated, and work closely with clients who are enjoying their own retirement quite a bit, thank you very much, Richards is definitely spot on that having options is the key. That’s the core of the work we do with clients: helping them sketch out their personal vision and providing coaching and investment help all along the way.