When you picture retirement, maybe you imagine traveling the world, relaxing on a beach, or playing pickle ball with friends. It feels like the season of stability . No office politics. Kids are grown. Your biggest worry is what to do about the wilting gardenias. Morning coffee is enjoyed at a slower pace, whilst scanning Mediterranean cruise brochures.  …Or not.  In reality, of course, stability is temporary. Like every other season of life, retirement is a season of curveballs. And one of the more under-appreciated retirement curveballs is being called upon to care for a family member in need. This responsibility can take many forms: Maybe you have an aging parent who’s still independent but beginning to show signs that they’re no longer able to safely manage their own finances. Maybe an adult child asks to move back in with you, or you need to care for a grandchild in their parent’s absence—or even a sibling’s child. Nobody likes to think about these things, but they happen all the time.…