"[In] practice, the key to retirement well-being is to have a balanced 'life portfolio' where the retiree focuses on 4 key areas: [1] Health (and the activities to maintain and support health); [2] People (family, friends, community organizations, and the ability to create new contacts as needed); [3] Pursuits (work, volunteering, hobbies, community activities, caregiving, travel, etc.); and [4] Places (home and community).... [E]ven with retirement finances well intact, retirees who have a gap in one or more of these areas may still struggle with their personal retirement well-being."