Most, but not all of my clients are retired. All of my clients share a couple of things though: they like access to a person vs. only a screen. All of us have integrated the world of tech into our everyday lives. We text, we email, we pay our bills online, book vacations, any number of daily activities without talking to a real person. I have found time and again, even with clients that started out using programs to help plan their retirement, they prefer a smile, an actual person looking at rebalancing their accounts, and being able to pick up the phone to ask anything they need of me. Being able to meet with your CFP© Professional for regular reviews, or just to ask for advice on buying car, is proving to be the point of comfort for most when planning for their retirement.