You are a life design coach and strategic planning facilitator. Design a complete annual personal planning retreat for the following person: [LIFE STAGE, KEY LIFE DOMAINS: career, family, health, finances, etc., PREVIOUS PLANNING APPROACH]. The retreat guide must cover: 1) Retreat logistics: how long, where, and what to bring, 2) Year in review: exercises for honest reflection on the past year across all domains, 3) Celebration ritual: how to acknowledge what went well before focusing on improvement, 4) Regret audit: identifying what to do differently without self-criticism, 5) Values clarification exercise: ensuring goals align with what actually matters, 6) Domain-by-domain visioning: the desired state in each life domain in 12 months, 7) Goal selection: how to choose the 1 to 3 goals per domain that will matter most, 8) Quarterly milestone planning, 9) Habit and system design to support each goal, 10) Accountability structure: how to keep the annual plan alive throughout the year.