Retirement Wisdom Blog Posts

January 31, 2019

When It Comes To Working – Let’s Get Flexible

By Susan Williams There was some interesting research published by Stanford Business School recently. In their post they shared that 40% of American retirees would prefer to be working. For anyone who dreams about retirement, this could be quite a shocking statistic. For many people, counting down the days to retirement is part of a working ritual so to learn that once people retire they wish they had stayed working can throw cold water on their retirement fantasy. However, once you move past this headline and dive a bit further into the research there are some sample parameters that should be noted. […]
December 31, 2018

Upgrade Your New Year’s Resolutions with One of These 6 Helpful Tools

by Joe Casey Are New Year’s Resolutions passe’? The eye test says yes. You see the crowd of new people at the gym on January 2nd, only to see them fade away by Valentine’s Day. Data also backs this up. One survey showed that “only 16.3% of people over the age of 50 achieve their resolutions.” (1) Why? Most resolutions are based on only one strategy. Willpower. And what we know about willpower is it tends to fade over time. It gets depleted. Dicey. But resolutions are based on very good intentions and a positive vision of your future. Keep those […]
December 11, 2018
Best Books On Aging Well

Looking for a Better Gift? Share Insights on How to Retire Well

by Joe Casey One of the greatest gifts I ever received came from my mother. My grandfather was the Fire Chief in my hometown north of Boston and I spent a lot of time at the main firehouse. Right across the street was our public library. Since hanging out too long at the firehouse was probably dangerous, my mother took me to the library frequently from a very young age. It opened up a whole new world. It gave me a love of reading that continues to this day. This year, I am grateful for the opportunity to talk with authors on our podcast […]
December 10, 2018

Thinking About Retiring? Say “I Do” to Curiosity

by Denis Wuestman Last year I wrote a blog about lessons learned observing a one-year-old turning the pages of a picture book (Turn the Page).  The lesson for retirees is that we too have to turn the page if we want to move forward and experience the great things that freedom affords us in this next phase of our lives.  This may mean leaving some things behind as it is hard to fully appreciate the next page until you move from where you are today. A New Lesson – The Curiosity-Creativity Link Yes, moving forward is a key first step.  But, the two-year-old isn’t […]
November 19, 2018

Are You Staying Ahead of the Fraudsters?

By Joe Casey Are you or your loved ones vulnerable to fraud? It’s worth thinking about. A study by Annamaria Lusardi at George Washington University and her colleagues found that “nearly one-third of respondents reported that someone had used or attempted to use their financial accounts in the past five years.” (1) It takes a lot of work, sacrifice, and discipline to save for retirement today. Once you’ve achieved some level of financial security, a defensive mindset becomes important. Not only do you need to manage your assets intelligently so you do not outlive your money, but you also need to be […]
November 15, 2018

Are You Heading for a Busy Retirement?

by Joe Casey Remember when you were a kid? A frequent question from adults was “What do you want to be when you grow up?” Do you remember your answers? A favorite of mine was “An astronaut”. (My wife tells me being a space cadet is close enough). Odds are that your answer was not “I want to be really busy when I grow up.” Yet many of us have managed to accomplish just that. Life Gets Complicated and Busyness Takes Over It’s easy to get caught up in being busy. Busy is rewarded. If you’re good at getting things done, you’ll […]
November 13, 2018

The Retirement Discussion Dilemma

By Susan Williams You are thinking about retirement and would like to transition into it. Maybe working part-time to start would be great. Or even just having some more flexibility in your hours would be a bonus. Your employer realizes that you’re getting close to retirement and would like to retain your skills or have you mentor some younger colleagues. They would like to know what your plans are so that they can make sure that they have appropriate succession plans in place. Both of you would like to have a conversation about this but neither one of you want […]
October 24, 2018

Does Money Buy Happiness in Retirement?

by Joe Casey State Street Global Advisors recently released their 2018 Global Retirement Reality Report titled The Happiness Formula. The survey is macro-focused and the formula consists of three factors – Trust in the Savings Systems, Ownership of Retirement Role and (financial) Preparedness. Of eight countries, the US scored highest in Ownership and Preparedness and second in Trust, far behind Sweden. The Netherlands scored the lowest in two of the three categories and the UK was in the bottom three in two of the categories. From the US perspective, it was interesting to see the gap between these two questions:   […]
September 30, 2018

Could You Reinvent Yourself as an Entrepreneur in Your Next Act?

By Joe Casey Different things can prompt you to ponder the question of whether or not to become an entrepreneur in the mid-to-late stages of a corporate career. An acquisition. A restructuring. An early-retirement buyout offer. A new boss who wants his or her own people. Have You Seen This Movie Too Many Times? There’s a cyclical nature to life in the corporate world that can be akin to the movie Groundhog Day. It’s easy to feel like you’ve seen all of this before. A commute doesn’t help – it’s only fun the first 500 times. Do you ever find yourself wondering Is […]
September 4, 2018

Back to School. How About You?

By Joe Casey It’s Back to School season. In our home, our youngest daughter began her junior year in college last week. Our son is starting his junior year of high school this week. It’s a time of transition. The return of the backpacks. How about you? Are you headed back to school? People tend to scoff at that question.  Following considerable laughter, I usually hear “I finished school a long time ago.”  or “I’m retired. I’m too old for that” or “I could never do that”. You’ve Updated Your Software – How About Your Mindset? Look past the laughter and you’ll see […]
August 8, 2018

Is Your Company Fully Ready for the Aging Workforce?

by Joe Casey There are strong crosscurrents swirling in today’s workplace that significantly impact older workers. People are living longer and many people expect to work longer than previous generations. But some people do not want to just continue to work in the same way forever. The key things they desire are greater flexibility and a pathway to winding down at their own pace. Almost half of workers surveyed plan to transition gradually into retirement, according to a Transamerica Center for Retirement Studies report published in June. A Big Gap Yet, there is a sizeable gap between what aging workers want and what many companies […]
August 3, 2018

Why Are People Unretiring?

By Joe Casey Planning well for retirement takes discipline, vision, and sacrifice and often takes decades. There are critical financial issues to plan for, including health care and long-term care. Once those are reasonably squared away, there are key non-financial issues to plan for as well. The Non-Financial Side of the Street On the other side of the retirement equation, there are some big-picture questions, such as: What will my purpose be when I’m retired? Who will I be in retirement? I’ve always been a lawyer, an accountant, etc.  Now, what will my new identity be? There are also more […]
July 23, 2018

Why Settle for Happiness?

By Joe Casey The pursuit of happiness. It’s one of the three “unalienable rights” highlighted in the Declaration of Independence. Happiness has also become an industry. Odds are that you’ve read a least one, and probably more, of the countless books or articles published on happiness in recent years. And it seems that it may be harder to achieve these days – at least around these parts. Among countries, Canada ranks 9th and the U.S. slipped from third to 19th in the 2017 World Happiness Report. But if you’re “chronologically advanced”, as I heard the comedian Sarah Jones describe it last week, there’s good news. […]
July 9, 2018

Who Will You Be in Retirement?

By Joe Casey “When you are 20, you care about what people think about you, when you are 40 you stop caring about what people think about you, and when you are 60, you realize nobody cared in the first place.” – Winston Churchill   Have you ever asked someone “How was your weekend?” –  and regret it when, five minutes later, they’re still breaking down Saturday morning blow by blow? Let’s face it. You were really expecting “Fine” or “Wonderful” or “Awesome” – or even “Not bad. How was yours?” Any answer would do. And you’d both pleasantly move on with your days.   […]
July 4, 2018

What’s On Your Retirement Mind?

by Denis Wuestman This year we started a series of seminars on the non-financial aspects of retirement with groups of people preparing for this transition as well as those in their early years of retirement. Since everyone’s experience is different, it was insightful to see how people felt about this new part of their lives, sharing their principles, fears and successes.  We asked them what their most important concerns are when thinking about the non-financial aspects of a retirement transition.  Here are the Top 5 with some tips on how to deal with them: Fear of Loneliness. This was a […]
June 22, 2018

Should I Stay or Should I Go?

By Joe Casey It’s inevitable that you will approach a crossroads in your career in mid to later life. Questions bubble up. Sometimes from within. Sometimes from others. Or both. The questions are around your path.             Should I Stay With What I’m Doing?           Or Should I Pursue a Different Direction?   A Chorus Of Voices It’s an invitation to tune in to that little voice inside that’s easy to mute in the hustle and bustle of daily life. Practical considerations quickly come to the fore. Stability. Financial security. And then […]
June 21, 2018

Why Do We Need Reminders to Focus on What Matters Most?

By Joe Casey A colleague, executive coaching client, and friend died two weeks ago. He was suddenly stricken with an illness, fought valiantly, but, sadly, died three months later. One week before his retirement date. One month before his 69th birthday. His brother delivered the eulogy at his funeral and spoke about how he had been looking forward to being able to spend the whole summer at his beach house, for the first time in his life. He had bought a new convertible, parked right outside, to make the most of it. He had put his retirement off, several times. […]
May 3, 2018

Is Your Attitude in Shape for Retirement?

By Joe Casey There’s a lot of uncertainty we face in planning for retirement. On the financial side, we can’t control the direction of the markets, interest rates or unexpected events (Lions and Tigers and Bears, Oh My!). On the non-financial side, there are important questions to resolve (Where will we live? What will we do?) and many things we can’t fully control, like our health and longevity. There is one thing we can control in retirement – our attitude. In my HR career, I  remember meeting with an internal client who prominently displayed a sign on his desk that […]
April 24, 2018

Who’s Your Retirement Role Model?

by Joe Casey Retirement today is drastically different than it was in earlier generations. You know the drill. Pensions are a relic of the distant past, for most of us. We’ve heard about them and there’s probably a compelling museum exhibit somewhere on them –  but they are not part of our reality. Longer Lives, Longer Retirements There’s also greater longevity. This one cuts both ways. Saving for retirement today requires investing more – and earlier – to fund what is likely to be a far longer time in retirement. But it’s also a great potential opportunity. Rather than retreating […]
April 23, 2018

Millennials & Baby Boomers. Can We Talk (about Retirement)?

By Joe Casey There’s a lot of ongoing chatter about Millennials & Baby Boomers. A Knowledge@Wharton article last week posed the question Can Baby Boomers Succeed in a Millennial World? It noted that next year Millennials will become a larger share of the US population than the Boomers. It also pointed out that in today’s workplace there are many unhealthy stereotypes about each generation. Another recent article noted that there is “Millennial fatigue” and highlighted that the cohort is more diverse than is often thought. I’m skeptical about sweeping characterizations about generational cohorts. My education tells me that there are common experiences and […]
April 5, 2018

Older Workers Watch Your Head – Breaking Through the Gray Ceiling

By Susan Williams The other day the Washington Post published an article on some of the challenges that older workers may experience if they were planning on working in retirement. In their post they cited a term that I hadn’t heard of before – “the gray ceiling“. I’m very familiar with the term glass ceiling – specifically as it relates to women and their career advancement but the term gray ceiling was new for me. As much as we don’t like to admit it, ageism exists in the workplace. This situation has begun to improve slightly given the supply and demand situation for skilled […]
February 21, 2018

Do You Have Any Outdated Principles on Your Belief Window About Retirement?

By Joe Casey They say when the student is ready, the teacher appears. But sometimes the teacher shows up early and plants a seed. Twenty-five years ago, I was introduced to a concept that I wasn’t ready to grasp. I was in my mid-thirties, a mid-level HR manager on the way up, with two kids and a long To Do list. Big plans. Busy schedule. Many irons in the fire. Getting lots of things done. A whirling dervish. You know the type. Are You Open to a New Idea? One day, my manager and her manager asked if I’d meet […]
February 16, 2018

Is This Worry on Your Radar? * Updated *

By Joe Casey While I tend to focus on the optimistic aspects of retirement, there are many legitimate areas of concern. Will I outlive my money? What will my health be? What about health care? How about long-term care? But there’s another big concern that I was unaware of. Liberty. Good Intentions Exploited Guardianship is intended to protect people who are assessed as incapable of making decisions in their own best interest. Despite this worthy intention, the laws are currently fraught with loopholes that can be exploited, leading to fraud and elder abuse. In this compelling piece in The New […]
February 6, 2018

Aging: Preparing For Both Quantity and Quality of Life

By Susan Williams There was an article a while back about the death of a man who had claimed to be 146 years old. This made me start to wonder. Had he been healthy? Had he been able to spend time with people he cared about? Was he able to do the things he liked to do? All the things that we think would contribute to living a good life. Once I moved past the amazement that he supposedly lived 146 years, I started to ask myself – how do make sure that we have a good quality of life versus strictly quantity of […]
February 1, 2018

Tom vs Time. Are There Lessons for Us Mere Mortals Planning to Retire?

By Joe Casey In the spirit of full disclosure, I’m a Boston native and a Patriots fan since 1970. However, since I now live halfway between New York and Philadelphia, I am fully aware of how the Patriots and Tom Brady are viewed outside of New England. I’ve always loved sports because of stories – the story that develops within a game, over a season or in the arc of a career. So, Tom Brady’s six-part docuseries Tom vs Time , which is currently unfolding in 15 minute episodes on Facebook, drew my attention immediately. As a Patriots fan, I was […]
January 29, 2018

Are You Headed for a Zombie Retirement?

By Joe Casey When people think of retirement planning, most focus on the financial side. It’s critical. But retirement is not just about money. It’s also about time. In my work, I see smart people who nail the financial side, yet put off the non-financial side. They’re financially flying first-class in retirement – but they find themselves living in the equivalent of a middle seat in the last row of coach. Why? Because getting it right – on both sides – can appear deceptively simple, but it can be easily put off. Until, you find that you’ve drifted off into […]
January 17, 2018

Thinking of Retiring This Year? 6 Tips to Help Your Journey

by Denis Wuestman For many people, starting a new year is often accompanied by resolutions to do something different. The areas that seem to get the most attention focus on health or work as evidenced by increases in gym memberships, new diets or job searches.  In many cases, this will require creating new habits and searching for the personal incentive to sustain a new path. As someone who has spent many years helping companies transform the way they work, I see strong parallels between work processes and the more personal aspects of one’s life.  One thing is very clear – change is a […]
January 8, 2018

Why a Longer Happy Hour in Retirement is Not A Good Thing

By Susan Williams Alcohol. When something good happens we may drink to celebrate. When something bad happens we may drink to drown our sorrows. And for many baby boomers, drinking alcohol has been considered a normal part of their lives for a very long time. But it seems that baby boomers are hitting the bottle harder than ever before and this is creating some significant risks. From baby boomers liberal acceptance of drinking, to feelings of loneliness or boredom, whatever the reasons it’s becoming a very dangerous situation. And this is a global problem. A recent article published in The Guardian cited some research […]
January 1, 2018

Two Tools to Help You Be Your Best Self This Year

By Joe Casey At the end of the year, one of my executive coaching clients shared her bold plan to make 2018 about becoming her best self. I found it to be very inspiring and it’s changed my thinking for the year ahead. If you’d like to be your best self in 2018, there are two tools I would highly recommend: WOOP It Up The first is a practice called WOOP.  It was developed by an NYU professor Gabriele Oettingen and it’s based on her empirical research on mental contrasting and her husband’s (Peter Gollwitzer) work on implementation intentions. And there’s […]
December 21, 2017

Our Greatest Gifts!

by Denis Wuestman Being naturally curious about the definition of purpose, I pursued a greater understanding of this via reading multiple books, discussing it with others and listening to various expert perspectives. I believe that this topic is even more important as we transition into retirement. A purpose in retirement can make a big difference in how we live our lives. But does it have to be just one thing that defines our purpose? I believe the answer to that is a resounding no, as it can be many things, and is easier to discover then we may think. The […]
December 8, 2017

Why the Language We Use for Aging Matters

By Susan Williams Recently there was a media buzz around the fact that Allure Magazine was no longer going to use the term “anti-aging”. In their announcement about this change the magazine made an excellent point on why they made the shift – “language matters”. And it really does. So much of what we say and think both to ourselves and others can have an enormous impact on how we feel and behave. For example, think about the last time someone suggested you look tired. It may have been an innocent enough comment but how did that make you feel? Did you possibly […]
November 22, 2017

Three Ways to Make Gratitude a Year-Round Sport

By Joe Casey Like many families, we have a tradition of sharing what we’re grateful for at our Thanksgiving table. For us, it took a while to gain traction. At first, we went around the table and each person shared what they were most thankful for this year. This was not enthusiastically embraced by the gaggle of nieces and nephews, not to mention some of the curmudgeons at the grown-ups table. It led to some memorable gems. My personal favorites from the early years include:   “I’m grateful I only have to endure this torture once a year.” “I’m thankful […]
November 22, 2017

The Contagious Habit – Saying Thanks

by Denis Wuestman It started with a simple trip to a local food store to grab a cup of hot chocolate on an unusually cold morning a few weeks ago. I was standing in a short line to pay for my drink and a small snack. When I approached the cashier to pay, she smiled, nodded towards the man who was ahead of me on line and said to me “he took care of this for you, have a nice day”.  I turned quickly and saw the smiling face of someone about my age as he was heading out the door and called […]
November 2, 2017

Aging in the Suburbs – Is This Realistic or Risky?

 By Susan Williams     The suburbs. Where homes were built outside city limits so young families could enjoy home ownership and having their own backyard.   Suburban life really started to boom after World War II when many war vets returned home and wanted to settle down. At that time the suburbs were ideal. They were typically located just outside the major cities. Given the increased capabilities to commute to the city because of the infrastructure to support cars and trains, it became a great place to get a larger home and space and raise a family. However today the suburbs are […]
October 26, 2017

5 Tips On How A Structure Can Help Your Retirement Transition

by Denis Wuestman If you are thinking of retiring from full time work and are not sure what it will be like, you are in for one certain thing– an adjustment. Two main things I hear from people who have transitioned are: 1) dealing with a change in their identity from worker to retiree and, 2) that their days are less structured and they are not sure if they like that or not. In the short term these may not feel like big issues but once you have spent some time in retirement, not preparing for these changes can lead […]
October 17, 2017

Will You Outlive Your Money? There Are Other Risks to Manage, Too.

By Joe Casey You’ve seen the brochures on retirement. Sailboats. Walks on the beach, Golf. Beautiful sunsets. ‘Seashells and balloons’ as the late, great Al McGuire once quipped. They paint an appealing picture of retirement.  It looks awesome! It’s important to have an aspirational vision of your life in retirement. And it’s critical to have a sound financial plan and invest wisely for your future. If you don’t, you’ll risk outliving your money, advisors and journalists prudently warn. It’s a primary concern. But there’s another side of retirement that’s not in the brochures. The non-financial side. It also carries serious […]
October 10, 2017

Thinking of Moving In Retirement? Be Sure To Do Your Research

By Susan Williams Are you thinking about moving in retirement? Whether it’s to downsize, reduce your costs, cash in on your home equity or move closer to family – making a move can be both a challenging and exciting time. However, before you make the leap be sure to do your research. The following video from CNBC provides some good tips for you to consider before you pack up your home and lives and head for another location. Here are some of the highlights; Research, research, research Moving homes can be a stressful and exhausting activity and the last thing you want to […]
September 14, 2017

How a Concert Helped Me Hold on to Summer – and Learn About Second Acts

By Joe Casey “Turn it up. It’s the Beach Boys…”   “I’ve heard that before But I want to hear it again (I wanna hear it over and over)”  – from Weezer’s new single   The signs are everywhere. Kids toting backpacks. Football. Pumpkin Spice Lattes. Fall is here. But technically we’re still in summer for a few more days. While I love fall, summer goes too fast and I look for any way to keep it alive as long as possible. One surefire way is The Beach Boys. Each year in late summer, they hold a concert in Ocean Grove, […]
September 10, 2017

Grandparenting – How Different Is It From Being a Parent?

by Denis Wuestman Today, September 10th, is GRANDPARENTS DAY! As a relatively new Grandparent, when I talk to others about this experience – they all say the same thing: best thing in the world.   Now I know what they mean – yep agreed! I decided to look at some statistics about grandparents in the United States as I think about the kind of grandparent I want to be. So, thanks to [i]here are some things that jumped out at me: There are 70 Million grandparents in the nation today and they lead 37% of all households in this country. […]
September 7, 2017

The Demographics of Aging – What Does This Really Mean?

By Susan Williams We have all heard the cries – the aging demographic, the silver tsunami, the graying of America. But what does this really mean? We know that changes will have to be made in society to support this new reality but exactly what needs to change? The following video entitled The Big Idea in 4 Minutes – Coming of Age In Aging America does an excellent job of capturing what some of the challenges are and what is required in order to move forward in this new world of an aging population; Here are some of the highlights from the […]
August 29, 2017

Which One Are You Feeding Most in Retirement?

By Joe Casey You may have heard the parable about the Two Wolves.  A grandfather is teaching his grandson about life. “A fight is going on inside me,” he said to the boy. “It is a terrible fight and it is between two wolves. One is evil – he is anger, envy, sorrow, regret, greed, arrogance, self-pity, guilt, resentment, inferiority, lies, false pride, superiority, and ego.” He continued, “The other is good – he is joy, peace, love, hope, serenity, humility, kindness, benevolence, empathy, generosity, truth, compassion, and faith. “ “The same fight is going on inside you – and […]
August 28, 2017

Retiring Earlier than Planned? Don’t Back Burner Your Well-Being! 4 Simple Steps to Stay on Track

by Denis Wuestman You just retired from your job and it was sooner than you had planned.   Things happen in organizations and sometimes, ready or not, you are thrust into this next phase of your life. As you think about what’s next you are perhaps looking forward to some time off to help you re-charge. Among the things that should be on your mind is your personal well-being. During this time your stress level may have increased and bad habits start to creep in that could affect your health.   Routines have shifted. Instead of following an exercise program, you may […]
August 15, 2017

READY, SET, GO – Tips to Help You Launch Your “Second Act”

by Denis Wuestman Are you in in the retirement homestretch from your primary career with that magic day less than a year away?  Preparing for this transition takes a lot of planning both on the financial and non-financial side.   I remember when I was a kid and we had running races in the neighborhood.   Recalling three key words from that time resonates today as we face this next part of our life journey.   Remember: READY, SET, GO?   Funny how those words had a way of creating focus. Let’s apply this to how you might approach what to do with your […]
August 11, 2017

What Will Your Life in Retirement Be About? Your Outlook Matters.

By Joe Casey Our head of HR once told an old story that’s always stuck with me. The story was about a traveler in ancient Rome who was walking up a steep hill where he encountered a group of workers scurrying about. I’m Busy, Man It was a very busy scene and he decided to inquire about what exactly they were doing. The first worker he asked seemed visibly annoyed about being interrupted and barked “I am cutting stones.” It wasn’t clearly audible, but the traveler thought he heard the worker grumble “Idiot.” The worker clearly wanted to return to his tasks […]
August 6, 2017

Words Matter. Can Just One Change Your Mindset?

By Joe Casey Let’s call him Max — he’s one of my executive coaching clients. His company considers him a high potential leader and they’ve promoted him to a stretch assignment, way outside of his comfort zone, to broaden out his experience. They’ve hired me to help him accelerate his learning process. Right Or Left? Max is a financial whiz. He’s analytically gifted. His numbers always tick and tie. He’s the final word on the financial aspects of his company’s business. His company wants him to learn more about the customer side of the business so they’ve rotated him to run Marketing. […]
August 3, 2017

Aging Superstars – Do They Promote Inspiration or Inadequacy?

By Susan Williams They are out there. Some amazing older people doing some amazing things. These aging superstars are definitely not sitting around in their rocking chairs reminiscing about the good ol’ days. They are out there actively living them now. Here are just a few examples; There’s a 94 year old woman who just set a new half marathon record by being the oldest woman to complete the distance A man was discovered at the age of 79 on a fashion runway in China and began a whole new career as a fashion model Or how about the two 98 year olds who are the […]
July 31, 2017

Ramping UP your Relationship in Retirement

by Denis Wuestman What an exciting time for couples. After all those years of working and perhaps caring for a family, it’s now time to enjoy your second acts together. I find that there are some key things to be aware of as you approach this stage of your lives. Role Shift First- be aware that this will likely be a big role shift for you – especially if you are both leaving careers. Understanding and dealing with a changing identity can be an issue for any retiree but can have a deeper impact on couples regardless if one or […]
July 20, 2017

Forced into Retirement? Strengthen those Social Ties!

by Denis Wuestman There are many things that can go through your mind if circumstances beyond your control force you into an early retirement.    Your first reaction may be to “start looking for another job”. Understandable. However, depending on demand for your skills, you may discover that the job that you were used to doing may not be there for you again. Maybe work, during this next stage, takes a different form. To help with this transition, one of the most important things you can do is to maintain and strengthen your personal network. The Benefits of a Network The […]
July 19, 2017

Want to Discover a New Purpose? Take a Look at Your Current and Future Roles

By Joe Casey On my mini-vacation last week, I read two books – one fiction and one non-fiction. To my surprise, I encountered the same quotation in both books:   “The three components of happiness are something to do, someone to love and something to look forward to.”   The universe was trying to tell me something. (It gets rather insistent if it notices I’m not listening). The quote is an excellent summary of the recipe for a satisfying retirement. If you have your health and financial independence, these three are the next critical ingredients. Something to Do Isn’t Enough […]
July 9, 2017

Five Better Ways to Keep Things Interesting in Retirement

By Joe Casey Someone sent this to me yesterday (perhaps because I’ve been a Patriots fan since 1970 when they played their home games at Fenway Park). Apparently, it’s a story that everyone on the planet has seen – except me. What Do Retired People Do All Day? “Working people often ask retired people what they do to make their days interesting.  Well, yesterday, my wife and I went into the city and went into a shop. We were only in there five minutes – tops.  As soon as we came out, we saw a cop writing up a parking […]
July 8, 2017

Planning to Retire Early? Consider these Four Work “Benefits” You May Miss!

by Denis Wuestman Perhaps, you are starting to think about retiring “early” from your career. You likely have reached an inflection point where satisfaction with your current work is diminishing, or you simply want to do other things, or it just feels like it’s time. Like any major transition, an early retirement decision is something that requires thought, time commitment and planning. Beyond the Numbers When considering an early retirement, focus is usually on “running the numbers”. Everyone that I know who has elected an early exit has certainly done the math. They seek to understand their financial readiness considering […]
June 29, 2017

Five Ways Vacation Can Jump Start Your Retirement Planning

By Joe Casey I must confess. I suck at vacation. Make no mistake. I love vacations. I look forward to them.  I enjoy them. Unlike many Americans I actually consistently take them. The problem is that I can’t resist trying to do something productive with all that unscheduled time. Last week, my wife surprised us with the news that one of her friends offered to lend us their beach house for the Fourth of July weekend. An unplanned four-day mini vacation. Awesome! But my thoughts immediately went to What can I get done while we’re there? Dumb. Then I made […]
June 28, 2017

Time for a Retirement “Leisure Audit”?

by Denis Wuestman Retirement is like life itself- it’s full of surprises. You may find yourself thinking, “I wish I knew then what I know now”.   If we had a dime for all the “could haves/ would haves/ should haves” in our life…well, you know the story. Did you enter retirement life with a plan or are you just winging it when it comes to how you will spend your leisure time? Are you risking having multiple “could haves/would haves/should haves” during this part of your life? Taking an “audit” of your leisure life up to this point may be […]
June 21, 2017

Living a Regret Free Life

By Susan Williams Over the last year or so I have talked with many people who shared with me that how they currently were living was not what they really wanted to do. Whether it was pursuing a different profession that would allow them to be more creative or wanting to help other people more or even a desire to feel that they were making a bigger difference in the world – they all had one thing in common. They were talking about doing something different but were not actually taking steps towards doing anything about it. It made me wonder […]
June 17, 2017

“Glowing” Lessons from Baseball and Dads

by Denis Wuestman Over 50 Years Ago Flashback – July   1964.   I was just starting to really like baseball as a young kid growing up in Brooklyn, NY. It was July 7, 1964 – the day the All-Star Game was being played at Shea Stadium (home of the NY Mets back then).   I remember parts of that day vividly some 50+ years later. Here’s why… That morning my father woke my brother and I and asked if we wanted to go see the game in person. Well, you can imagine the excitement! Since we had no tickets we had to […]
June 15, 2017

So, What Do You Do?

By Joe Casey We’ve all heard this question. It’s a simple one. This is not of one of life’s most challenging problems. But it can be an instructive part of your transition to retirement. It’s really about giving yourself time to adjust to – and to own – a new identity. Are We What We Do? We tend to answer that question effortlessly. ‘I’m an accountant.’ ‘I’m a carpenter.’  ‘I’m a teacher.’ Or ‘I work at Global Mega Corp.’ We describe ourselves by what we do for a living or where we do it. In our society, a lot of […]
June 12, 2017

Finding your Retirement “Rhythm”

by Denis Wuestman What comes to mind when you hear the word rhythm as it applies to aspects of your life or job?   Baseball pitchers would likely express a feeling of command and control of their pitches. Basketball players may look at this as their shooting consistency and accuracy. When they are getting good results, they are in a “groove”, focused and directing their energy in a positive way. Most likely, they are enjoying the moment. Liken this to your personal work or life experiences.   Can you remember a time when you were in a good rhythm or recognized it […]
June 2, 2017

Had (almost) Enough? How A Bridge Job Can Be Your ‘Do It Yourself’ Phased Retirement

By Joe Casey If you’re of a certain age, your thoughts may be turning to retirement. Not tomorrow, mind you, but you can envision a time when you’d like to be doing something else. Lately, you find yourself musing ‘I’m too young to fully retire, but I’ve had just about enough of the grind.’  You’re not ready to ‘hang ‘em up’ yet, but maybe it’s time to scale back on work and enjoy life more. Maybe it’s time to slow down a little, without completely stepping off the carousel – yet.   Having Too Much Fun? You like the work […]
April 26, 2017

Mindset – the Path to Growth in Retirement

by Denis Wuestman In helping organizations create better and more efficient work models, one thing that I help them focus on is the mindset shift that has to take place for changes to stick. While this sounds a little “soft” what I am referring to is the fundamental belief that there is always a better way to do your work AND, as a direct result, for people to grow and expand their knowledge and skills. If they think and “act” that way, then will succeed. In the book “Mindset” by Carol S. Dweck, PhD [i] she identifies the benefits of […]