Retirement planning for women and men can take different forms. Men might feel confident they have saved enough for their golden years but struggle to adjust to a new routine that doesn’t provide the ...

Build a larger financial safety net. Have more aggressive long-term portfolios. Delay Social Security to strengthen retirement income. Make a long-term-care plan. Keep estate planning up to date.

Most retirement advice assumes two earners splitting expenses, a spouse ready to step in when health falters, and both partners building their own Social Security records. For millions of Americans, ...