When a long-tenured employee retires without a plan, HR pays for it before the exit date: disengaged final months, rushed knowledge transfers, and departures delayed because employees aren't ready to leave. Retirement coaching as an employee benefit closes the gap that financial wellness programs and EAPs don't cover. It's structured 1:1 support for the human side of the transition, and it's what helps long-tenured employees leave on time, leave well, and leave something behi