The times have changed, life and retirement isn't what it used to be. You've worked hard and the job is, already has or is about to be wound down and now its about moving into the next phase of life. Question is, how to? What to do it? And where to start, go and plan to do and be with what lies ahead? Its a whole new sea of opportunity out there for retirees and in many ways the sky is the limit but as exciting as that is, its as conversely overwhelming and daunting a decision making task. So wh …