Pre-retirees are defined more by a window of time than an age cohort.  They have a small window of time in which they must discover if what they’ve amassed in assets and income is enough to reliably satisfy a lifestyle over multiple decades.  The pre-retiree needs to assess what type of health risks are unmanaged and might represent a large future expense.  The prospective retiree needs to have a transition plan to bridge to retirement (hobbies, volunteer time, family time, purpose, part-time work, etc.).  Retirement is more mindset than financial means and this is the time for the prospective retiree to dig in and perform some discovery of their own values and time management.