There’s the way everyone dreams of retiring: at the top of their game, with accolades galore and a standing ovation from family, friends and clients at their big send-off celebration.

There’s the retirement nightmare, feeling unappreciated and ignored, which Jack Nicholson depicts perfectly in the 2002 movie “About Schmidt.” After turning over to his younger colleagues decades’ worth of impeccably kept files, he discovers them piled high next to the company trash bin.