My husband is 53, and I am 13 years younger. During our 20-year marriage, I have been in and out of the workforce, raising children, and getting my education. Now, I plan to return to full-time employment. I am essentially just getting my career under was as my husband approaches the completion of his. None of the retirement seminars address the issue that not all husbands and wives are the same age, nor do they retire at the same time.

What unique problems do couples with a wide age gap face as they plan for retirement? What are some solutions to the situation? What should be the investment strategy?