Retirement Planning, Distribution and Roll-Overs We can plan for things and events in our lives. Yet, there are times when we are faced with unexpected changes. Retirement planning may need changes from a change of employer, a lay-off, spouse enters or leaves the workforce, or a disability. Having advisors who specialize in providing well thought out choices for various changes in retirement planning can offer strategies, suggestions and guidance.It can be 5, 10, 15 years into the future or just next week. Retirement can become a great transition where your working career has provided resources to engage in leisure, travel and just enjoying having freedom over your day.