This is the fifth and final column in this series in which we have been considering how to better prepare for retirement based on the book Transition to Retirement: The Uncharted Course. We have been taking a look at how things might be going once you’ve retired and experienced the Fair Winds and Clear Skies of early retirement days, then Stormy Weather when things aren’t exactly the way you’d thought they would be, thus creating a need to find a Safe Harbour to consider your life now, as a retired person including those people within your personal realm you can call your Crew. Now we get to the part where you Chart Your Own Course.