Hi Dodalisque-
I read for you using the Spacious Tarot by Carrie Mallon and Annie Rugyt.I like this deck because of the way the images invite the reader or seeker to imagine themselves into the scene, and it seems to me that as you stand on the cusp of retirement, that imagining yourself into whatever comes next is relevant to you.
So with that:
A Celtic Cross spread for you, and for your convenience:
The same spread, with the crossing card moved aside so you can see the card underneath.
1. The heart of the matter: Six of Swords
2. What crosses you: Seven of Pentacles
3. What's underneath: Temperance
4. What's past: The Chariot
5. What crowns you: Explorer (Knight) of Wands
6. What's near to come: Nine of Wands
7. Your observations: Two of Pentacles
8. You in the environment: Explorer of Swords
9. Your hopes and fears: Guardian (Queen) of Wands
10. Outcome: Ace of Wands
Look at all the Wands in this spread! So much about passion and creativity here, balanced a bit by Swords and Pentacles, but what's interesting to me is how, despite your question feeling suffused with emotion, the spread entirely lacks any Cups.
The Six of Swords is so appropriate here- you're standing at this liminal transition point as you leave your former career behind and see retirement stretching out before you. And while you may have worked and planned for and looked forward to this, now that it's here, the transition brings with it some sharp pain and maybe it brings up some buried assumptions about your value as a person being tied to what you can produce (Seven of Pentacles). We're all living under late capitalism, and we've all been bombarded with these ideas our whole lives about the value of work and economic production, so the end of that phase of our lives can really hit us right in the self-worth.
Work and rest, productivity and a fallow period, saving and spending... your strength here will be bolstered by your ability to hold these things in tension and conversation with one another (Temperance). You've been conditioned to believe that your worth could be measured by work and perhaps you enjoyed chasing career advancement, or even just the respect of your colleagues, the feeling of being indispensable. Perhaps you were chasing it for a while (Chariot) and now that you're not... well, what now?
But... we know all that, right? This is where all the Wands in the spread come in. You have so much passion and vitality, looking for a direction to chase in (Explorer of Wands). And now you aren't having to expend it on your job! What a luxury! The Nine of Wands here is a caution about protecting that beautiful passion you have. There are so many ways for you to apply it; don't overexert yourself. It's okay to take some time and rest, and consider what is really worthy of your creative energy. Maybe it's a hobby you always wanted to try, or one you never had enough time for. Or maybe it's volunteering. But the point is, it's 100% okay to rest, binge some Netflix, and let your mind and soul enjoy some peace before diving back in. Enjoy not being bound to any schedule but the one set by what seems best to you.
Retirement does require a careful management of resources (Two of Pentacles), both financial and spiritual. It can be hard to watch a nest egg start to shrink as it's used for the purpose it was intended for all along, and it can add to that itch of needing to be DO something, to apply your hard-earned expertise to economic production right away (Knight of Swords)! But economic production is not the only thing you have to offer! Whatever passions you tend can be shared and can offer warmth and light to others (Guardian of Wands).
Ultimately, this transition in your life is a moment of intense possibility and opportunity (Ace of Wands) to cultivate an explorational, sensitive, joyful approach to life, un-shackled from bosses and customers and coworkers and the compromises we all make for that next paycheck. If the days feel empty, face the emptiness for a bit. Sit with it. See what emerges now that space has been cleared for it. We know what has ended; what is ready to spark into existence?