There’s no magic warning light that comes on in life telling you it’s time to retire, and the templates we used to map our lives to have been broken by increasing longevity – leaving us with no real ‘retirement age’.

Instead, we are limited by how our body, mind and spirit hold together in the second half of our life. That means choosing the right time to retire is in your hands – or, at the very least, it could be, if you are proactive.

It used to be that knowing when to retire was a........

© The Sydney Morning Herald