kazoospec said:It feels like I need to start planning and making adjustments.
This may be true, but perhaps not in the way you seem to be implying. The people I have seen who treat retirement as the end point, are the ones more likely to be unhappy. The people I have seen who treat retirement as the starting point, are the ones more likely to be happy.
The planning you do would be figuring out what you want to start and how you want to start it, and the adjustments you make would be setting that plan in motion.
