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Planning Your Retirement Lifestyle

Planning Your Retirement Lifestyle. Objectives. Change the way you think about “traditional” retirement planning Help you discover your passions Learn how to achieve your goals with what financial resources you have Provide step-by-step guidelines on how to achieve a successful retirement

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Planning Your Retirement Lifestyle

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  1. Planning Your Retirement Lifestyle

  2. Objectives • Change the way you think about “traditional” retirement planning • Help you discover your passions • Learn how to achieve your goals with what financial resources you have • Provide step-by-step guidelines on how to achieve a successful retirement • Leave you with helpful resources eSlide - P4065 - WorkLife4You

  3. Retirement Timeline 90 40 50 60 70 80 AGE “I should” plan for it (but I’m not doing anything) “I must” plan for it (but I’m not doing much) “I am” planning for it (I’m doing it) Mentally, physically, spiritually, emotionally, financially Most People Get Stuck Here (this takes understanding and commitment) Today’s my last day (my new life begins tomorrow) I’m in transition (1 year) I’m settled in my new life eSlide - P4065 - WorkLife4You

  4. The Eight Steps To A Successful Retirement Manual How To Make The Most Out Of The Rest Of Your Life eSlide - P4065 - WorkLife4You

  5. The Eight Steps To A Successful Retirement • Plan to stay healthy • 6. Develop your plan • 7. Take action! • 8. Adjust as appropriate • Make a commitment • Have a conversation with your spouse/partner • Discover your passions • Do your financial/legal assessment eSlide - P4065 - WorkLife4You

  6. Commitment Is Essential Step 1: Make a commitment to successful aging • Essential • Easy to say/hard to do • Buddies, mentors, allies • Sign commitment letter? • Tell a friend eSlide - P4065 - WorkLife4You

  7. Conversation With Your Spouse/Partner Step 2: Have the conversation with your spouse/partner • You’re two people with • different interests • Different ideas on who, what, when, where, how & how much • Face it, accept it! It’s normal eSlide - P4065 - WorkLife4You

  8. Conversation With Your Spouse/Partner (con’t) Step 2: Have the conversation with your spouse/partner • Need to prepare: read, talk, get into the right mindset • Schedule time • Set the tone: I’m committed to win-win • Listen, learn • Swap places • Accept & affirm • Move forward to Step 3 eSlide - P4065 - WorkLife4You

  9. Defining Your Passions Step 3: Define Your Passions • What engages you? • What gives you energy? • What invigorates you? • What makes you happy? • What are your talents/gifts? eSlide - P4065 - WorkLife4You

  10. Discover Your Passions (con’t) • Identify your talents • Recognize what excites you most • Take an opinion poll • Make a “most unwanted” list • Consider people you like to be with • Look for “lightning rods” • Learn by example eSlide - P4065 - WorkLife4You

  11. Separate And Shared Passions Imagine Supporting Each Other To Become The Persons You Are Yet To Be! You’re doing what you love to do Your spouse/partner doing what he/she loves to do Doing together what you both love to do eSlide - P4065 - WorkLife4You

  12. Financial Assessment Step 4 Do A Financial Assessment • Where do you stand? • What do you need? (Not as much as you think if you’re creative!) eSlide - P4065 - WorkLife4You

  13. Financial Assessment (con’t) • How much do I need? • Housing • Food • Clothing • Taxes • Insurance • Health Care • How much do I have? • Savings, investments • Pension • Social Security • Other entitlements • Home equity • Paid work eSlide - P4065 - WorkLife4You

  14. Financial Assessment (con’t) How much do I have? How much do I need? If there’s a gap:Keep working (but ONLY at a job you love) Move to a lower cost home or city Spend less Key to Success: DON’T compromise doing what you love eSlide - P4065 - WorkLife4You

  15. Plan To Stay Healthy Step 5: Plan for Good Health • Where do you stand now • Where do you need to be • What’s your plan to get there • Who will help you • Doctor? • Buddy? • Spouse/Partner? eSlide - P4065 - WorkLife4You

  16. Plan To Stay Healthy (con’t) • Get regular physical exams • Exercise regularly • Eat wisely • Manage stress FACT: 70% of your health is in your control eSlide - P4065 - WorkLife4You

  17. Develop Your Plan Step 6: Develop Your Plan Self Play • Where do you stand now • Where do you need to be • What’s your plan to get there • Who will help you • Doctor? • Buddy? • Spouse/Partner? Family “Work” you love CommunityService P A S S I O N S eSlide - P4065 - WorkLife4You

  18. Take Action Step 7: Take Action and Get Started • Set specific goals • List action items: what do I need to do to get there? • Commit to dates/timeframes • Inform your employer • Begin! eSlide - P4065 - WorkLife4You

  19. Adjust As Appropriate Step 8: Remain Flexible • Be open to growth and development in new areas • Change lanes when you need to eSlide - P4065 - WorkLife4You

  20. Let WorkLife4You Make Your Life a Little Easier! Contact WorkLife4You 24/7: 1-877-WL4-NOAA (1-877-954-6622) (TTY 800-873-1322) http://www.worklife4you.com — Look for the Member Login box — Not a registered member yet? Follow the “Start Now” link and enter Registration Code: noaa 20 20

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