A new year often brings the urge to make changes. New strategies. New predictions. New ideas. But for many people nearing or in retirement, the most important work in 2026 is not about changing everything. It is about not assuming that doing nothing is the same as staying on track. Because retirement planning is not static. And time has a way of changing the stakes, even when life feels steady. What worked five years ago may still be working.But it may not be working as efficiently.Or as...