Most retirees nail the math. Then they hit a wall.Jim Charles retired in 2021 after more than three decades in financial services. He had the savings, the freedom, and a 90-year-old house full of doors that needed rehanging. Within 18 months, he decided to un-retire. Not because the money ran out, but because the meaning had. That experience became the foundation for Sanctuary Financial Planning, the flat-fee firm he co-founded with his wife Sarah, and for their new book, From Work to What's Next.In this episode, Jim and Sarah Charles join Gabe McManus to make the case that most financial advisors are solving only half the retirement problem. The numbers are table stakes. What most clients haven't done is the meaning work — and they don't find that out until it's too late.Jim brings over three decades of financial services experience, including his role as co-Head of Dimensional Fund Advisors' North American institutional distribution, where he worked with some of the largest institutional investors in the world. Sarah spent more than two decades at top advisory firms building a $200M+ practice, with a specialty in women's financial empowerment. Together, they hold credentials including CFP®, CFA®, CDFA®, AIF®, and CSRIC®, and launched Sanctuary Financial Planning in 2023 to deliver transparent, flat-fee, fiduciary advice built around the whole person, not just the balance sheet.Resources Mentioned:From Work to What's Next: Designing a Life You Don't Want to Retire From by Jim and Sarah CharlesThe New Retirement Mentality by Mitch AnthonyConnect with Jim and Sarah Charles:Website: sanctuaryfinancialplanning.comJim on LinkedIn: linkedin.com/in/jim-charlesSarah on LinkedIn: linkedin.com/in/sarah-k-charlesSupport the show