Retirement isn’t a finish line. It’s a process. For Christine Benz, Director of Personal Finance and Retirement Planning at Morningstar, getting it right means looking beyond the numbers, whether it’s the 4% rule or the psychology of spending. She makes the case that a successful plan is about something far more personal: purpose.All investing is subject to risk, including the possible loss of the money you invest. Diversification does not ensure a profit or protect against a loss.