A few days ago, we observed May Day, a celebration of spring. And, after a long and hard winter in many parts of the country, most of us are ready for sunshine, warmer temperatures and the hopefulness that spring always symbolizes. But as winter gives way to spring, we are also reminded that our lives have “seasons,” too — and it pays to be prepared for all of them. So, as you move into the “retirement season,” you’ll need to prepare for several possible challenges, including the following:

Outliving your resources — The idea of outliving one’s financial resources is certainly not one we want to face. In fact, in a poll of people ages 44 to 75 sponsored by Allianz Life Insurance, 61% said they fear depleting their assets more than they fear dying. The best way you can overcome anxiety about running out of money is to invest and plan. Contribute as much as you can afford to your IRA and 401(k) or other employer-sponsored retirement plan — and when your salary goes up over time, increase your contributions. As for the “plan” part, try to envision the type of lifestyle you want during retirement, and then estimate how much this lifestyle will cost. Once you reach retirement, you will also need to do some planning — specifically, you will need to calculate how much money you can afford to withdraw from your investments each year.

Becoming disabled — One-third of all people between the ages of 30 and 64 will become disabled at some point, according to the Health Insurance Association of America