harry1960, my coach usually asks very open questions to prompt me to ask myself the most useful ones.
(I did have a separate session with a financial advisor for money issues, which was also useful).
But in my coaching we talked about what I want to do with my retirement -practical things including options for part time work, further study, volunteering, reviewing my skill set and updating my CV, interview skills etc. But also the emotional side of making the transition from a very demanding, complex role with a lot of responsibility to something less demanding and less senior.
I didn’t find the conversations fluffy, they were more of a rehearsal for the internal dialogues that take place in preparation for a big change.
Good luck, hope you give it a try and find it beneficial. ?