On-trends friends (13 percent to 23 percent) will prioritize keeping up with the latest consumer trends and spend more time and money on shopping than their peers. Like practical achievers, they value financial security more than the other two personas as a way to maintain a healthy spending and entertainment budget.

Relaxed minimalists (31 percent to 41 percent) will value deep relationships more than other personas. They will place less focus on finances and devote more time to hobbies, relaxation and me-time.

High-tech jetsetters (24 percent to 34 percent) will prioritize travel and be more open to long-term travel than their peers, trusting technology to keep up with friends and family as they move about in retirement. Their curious nature, tenacity and commitment to the latest gadgets will carry through into retirement.

"As with any generation, every individual will have a different vision for their ideal retirement, but the key for everyone is to start saving and investing early," said Rob Williams, managing director of financial planning, retirement income and wealth management at Charles Schwab.

"If you dream of constant travel, make that a specific line item in your retirement plan to ensure you have the funds to make it happen. If you want to maintain exposure to higher-risk assets like digital currencies in your retirement portfolio, think about how to balance that with more traditional investments that can provide you with a reliable source of income when you don't have a paycheck.

"And finally, you prepare for retirement to enjoy it, but it's important to have a solid income and distribution strategy so you don't risk running out of money in retirement."