Transcript
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The following is paid programming.
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Welcome to Something More with Chris Boyd.
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Chris Boyd is a Certified
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Financial Planner
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Practitioner and Senior
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Vice President and
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Financial Advisor at Wealth
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Enhancement Group,
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one of the nation's largest
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registered investment advisors.
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We call it Something More
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because we'd like to talk
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not only about those
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important dollar and cents issues,
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but also the quality of
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life issues that make the
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money matters matter.
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Here he is, your fulfillment facilitator,
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your partner in prosperity,
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advising clients on Cape
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Cod and across the country.
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Here's your host, Jay Christopher Boyd.
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Hello,
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and welcome to another edition of
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Something More with Chris Boyd.
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I am Jeff Perry,
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and I have the privilege of
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sitting in for Chris this week,
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who is off at a financial
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planning conference in Florida.
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And for this
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episode we're happy to have
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back some returning guests
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with the co-founders of the
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future of you lisa and nan
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welcome back to another
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episode thanks for being here
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Nan,
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I'd love you to start out by telling
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our listeners today what's
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the inspiration of your
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company and a little bit
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about how it works.
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Sure.
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I worked in financial
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services all my life.
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I spent twenty seven years
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at America's retirement company,
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Fidelity Investments.
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And I like to say that every
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day I went to work,
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I talked about retirement.
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So my perspective of
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retirement was that about
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having a sound financial
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plan so that you could
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never work again and live
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the rest of your life.
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in comfort so that made
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sense to me until I
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actually retired I took an
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early retirement package
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from fidelity and went off
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I was ready for a change
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and I went off and played a
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lot of golf and I traveled
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and I and I had an epiphany
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one day after probably
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hitting a round ball around
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a golf course that this is
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how I'm going to spend the
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rest of my life and I had
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people in my life that were
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living into the nineties and I was in my
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early sixties.
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And I thought, wait a second,
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what's my purpose?
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What's my identity?
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I started to feel lost.
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I started to feel like there
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was something in my life that just wasn't,
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wasn't fulfilling.
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I didn't have meaning.
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Yes.
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I wanted to have fun.
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I loved having lifestyle balance,
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but I really questioned like,
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what was my purpose?
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What was my future identity?
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And how do I contribute in
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this next phase of my life?
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And so those sort of
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thoughts led to conversations with Lisa,
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who has been a colleague of
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mine for a long time.
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She's also a career coach.
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So I started to call her and say,
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how do people transition
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into retirement outside of
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traditional views of
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leisure time and recreation?
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And so she was a great
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inspiration to me and she
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actually had her own story.
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So I'll let her tell that.
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Lisa, please share.
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Sure.
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Around the same time or
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actually a little bit before then,
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I started thinking about
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this in addition.
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So our oldest was getting ready,
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our youngest, pardon me,
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was getting ready to go off to college.
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And I worked in Fidelity for
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over twenty one years,
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did executive coaching and
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leadership development,
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but really focused on career transition.
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So when people became vice presidents,
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you know,
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designed programs to onboard them
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to that new role.
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So it was only natural when
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my daughter was starting to
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go to college and think
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about her career that I
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gave her some career coaching.
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At the same time,
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many of my friends like me
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and were taking this early
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retirement package from Fidelity.
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And I started thinking,
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I'm gonna be on that for the next round.
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what am I going to do when
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the when the question comes
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when the gift comes am I
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going to take it how am I
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going to spend my life and
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I got really excited seeing
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how my daughter had all
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these tools at her disposal
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to help her figure out her
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career and so I went out
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and said geez there's got
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to be more out there than
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just the financial planning
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piece what about the life
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planning piece I'm the tail
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end of the baby boomers I
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had read an article that by
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twenty thirty all baby
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boomers are hitting sixty five
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So I thought lots of people
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came this way before me.
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There must be tons of stuff out there.
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And I was sadly disappointed
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to find that really there
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was only primarily
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financial planning and some life coaching,
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but nothing specifically targeted,
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no tools, no framework,
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no resources to helping
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people manage this major life transition.
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so I started talking with my
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friend nan and the two of
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us started to say you know
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what we should fall in love
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with this problem a little
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bit and find out what
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others are doing in it and
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that's kind of how
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everything started we
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started by trying to figure
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out the problem for
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ourselves and how to solve
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it and then we learned from
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a lot of people that this
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wasn't just an anomaly that
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many people are facing this
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it's not an anomaly at all it's um
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I think most people,
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when they're about ready to retire,
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don't even know that they have a problem.
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Nan, you worked with clients for decades,
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and so you have this
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experience that I have.
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They're interested in the number.
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What's my number?
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Can I retire?
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How am I going to have my cash flow?
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Am I going to be able to buy
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a second home?
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What's my plan for how much
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I can spend on travel?
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know gifting it's all
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financial it's almost it's
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almost just entirely
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financial for a lot of people
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Exactly.
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And, and, you know,
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we never spoke about life.
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What are you going to do?
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It was like,
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where are you going to live
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and how much money do you need?
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And where's your budget?
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And where are your kids in this,
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in this stage of life?
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But no one said like,
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when you wake up Monday
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morning at eight AM without a job,
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how are you going to spend your time?
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And I would argue that that's easy.
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I'm going to go play golf
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and do all these fun things,
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but there's a honeymoon period.
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And then you start to say, is this it?
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Yeah.
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Is this all I'm going to do?
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And so that was sort of the
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catalyst for us to go study
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the problem and find out like,
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were other people stuck or
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did people transform?
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And that really was,
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we did a lot of research in twenty,
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twenty and twenty one to figure out like.
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did people transform and
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what was the formula and or
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are other people stuck and
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did they get sort of taken
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off guard like I did um you
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know and and felt like I
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need to do more but I don't
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know how you must have
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found that a lot of people
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were stuck or unhappy
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We did.
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We had a few people who said,
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you should talk to my mother.
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And there were some really
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heartbreaking stories.
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We also had people who were still working,
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but kept telling us,
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I got the financial means to retire,
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but I'm not ready.
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And that was like,
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we called them the kicking
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it down the can sort of folks.
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Like every year they were like, okay,
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I'm going to retire next year.
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You guys probably hear this with clients.
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It's the year after.
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It's the year after.
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And yeah,
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you know,
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they don't pull the plug because
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they don't know what
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they're going to do next.
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Lisa,
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when you were helping your colleagues
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advance through their career,
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these are the changes as well, right?
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And they're,
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so I see the relevant experience,
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but don't you think people,
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even the people who maybe
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dig deep into what am I going to do next?
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They come up with things like,
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I'm going to travel.
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I'm going to take care of my
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grandchildren.
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I'm going to
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you know fill in the blank
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and that might take you
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know four weeks a year
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right they have a broad
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outline even the ones who
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think about it they have
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like I'm gonna do these
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things but you know they
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don't really get into the
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nuts and bolts of the
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everyday life is that is
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that what you find
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Definitely, Jeff.
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What we find, too,
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is even those questions
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about where am I going to
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live and how much am I
292
00:08:02,425 --> 00:08:04,045
going to travel and what am I going to do,
293
00:08:04,766 --> 00:08:07,307
it's in a part of a bigger context.
294
00:08:07,326 --> 00:08:09,187
You have a bigger life than that, right?
295
00:08:09,208 --> 00:08:10,487
Those are just activities.
296
00:08:11,088 --> 00:08:13,069
So what we've really found
297
00:08:13,149 --> 00:08:15,569
as we delved in and researched this,
298
00:08:15,709 --> 00:08:16,930
especially in the group of
299
00:08:16,990 --> 00:08:18,011
people that were living
300
00:08:18,050 --> 00:08:19,992
their best lives in retirement,
301
00:08:20,351 --> 00:08:21,331
we met some really cool
302
00:08:21,372 --> 00:08:22,793
people there and we started to say,
303
00:08:22,872 --> 00:08:24,593
what do they do that's different?
304
00:08:25,274 --> 00:08:26,675
And they look at their life
305
00:08:26,735 --> 00:08:27,814
more holistically.
306
00:08:28,334 --> 00:08:29,574
And they think of it in
307
00:08:29,634 --> 00:08:31,836
terms of different parts of their lives.
308
00:08:32,115 --> 00:08:33,216
But more importantly,
309
00:08:33,636 --> 00:08:34,937
the traditional view of
310
00:08:34,976 --> 00:08:36,778
retirement is very passive.
311
00:08:36,918 --> 00:08:39,178
Like you've arrived, right?
312
00:08:39,298 --> 00:08:41,980
And we call it the three Gs, gardening,
313
00:08:42,019 --> 00:08:44,139
grandkids, and golf, right?
314
00:08:46,921 --> 00:08:48,881
Or the blue plate special, right?
315
00:08:48,902 --> 00:08:50,923
If you think about that traditional view,
316
00:08:50,982 --> 00:08:52,283
it just doesn't fit.
317
00:08:52,623 --> 00:08:54,225
for today's society.
318
00:08:54,745 --> 00:08:56,265
People are living longer,
319
00:08:56,386 --> 00:08:57,827
more productive lives.
320
00:08:58,187 --> 00:08:59,589
Many of these baby boomers
321
00:08:59,629 --> 00:09:01,691
like myself and Nan have
322
00:09:02,131 --> 00:09:03,413
really leveraged
323
00:09:03,633 --> 00:09:05,335
compounding interest in our
324
00:09:05,394 --> 00:09:06,975
investments throughout the years.
325
00:09:07,456 --> 00:09:09,437
So we have kind of some freedom.
326
00:09:10,619 --> 00:09:11,220
But yet,
327
00:09:11,956 --> 00:09:13,216
there's a lot of people that
328
00:09:13,256 --> 00:09:14,918
can get very overwhelmed
329
00:09:14,937 --> 00:09:16,499
and stuck and depressed by
330
00:09:16,538 --> 00:09:17,558
having that much freedom
331
00:09:17,619 --> 00:09:19,240
because even though they
332
00:09:19,259 --> 00:09:20,900
had a very clear career
333
00:09:20,941 --> 00:09:22,522
path and many of them were
334
00:09:22,961 --> 00:09:24,263
corporate executives who
335
00:09:24,363 --> 00:09:26,364
manage their careers eloquently,
336
00:09:26,984 --> 00:09:30,686
there is no kind of roadmap, if you will,
337
00:09:31,647 --> 00:09:33,206
when you take that off ramp
338
00:09:33,226 --> 00:09:34,028
to retirement.
339
00:09:34,408 --> 00:09:35,948
And so what we started to do
340
00:09:36,009 --> 00:09:38,389
is really to define and
341
00:09:38,470 --> 00:09:39,691
help people by saying,
342
00:09:40,692 --> 00:09:42,153
creating a roadmap and a
343
00:09:42,212 --> 00:09:45,054
toolkit from the lives and
344
00:09:45,075 --> 00:09:46,535
the experiences of real
345
00:09:46,576 --> 00:09:47,777
people who are living their
346
00:09:47,817 --> 00:09:49,217
best lives in retirement.
347
00:09:49,818 --> 00:09:52,019
And what we did with that is
348
00:09:52,200 --> 00:09:54,221
we're helping people create
349
00:09:54,261 --> 00:09:55,982
their own personalized
350
00:09:56,102 --> 00:09:57,684
vision for retirement.
351
00:09:58,044 --> 00:10:00,726
So this is a financial, I mean,
352
00:10:00,746 --> 00:10:01,648
a retirement plan,
353
00:10:02,207 --> 00:10:03,369
but not a financial plan.
354
00:10:03,389 --> 00:10:04,048
Exactly.
355
00:10:04,149 --> 00:10:04,669
Exactly.
356
00:10:05,730 --> 00:10:05,931
Lisa,
357
00:10:05,951 --> 00:10:07,851
can you talk about something that I'm
358
00:10:07,892 --> 00:10:10,274
sure you saw during your career,
359
00:10:10,354 --> 00:10:12,274
but also in retirement?
360
00:10:13,355 --> 00:10:13,875
Identity.
361
00:10:15,116 --> 00:10:16,378
I find this to be more of a
362
00:10:16,538 --> 00:10:18,239
challenge with men than women,
363
00:10:18,278 --> 00:10:20,000
but you can certainly tell me I'm wrong.
364
00:10:20,900 --> 00:10:21,740
Because, you know,
365
00:10:21,760 --> 00:10:22,642
you meet somebody at a
366
00:10:22,902 --> 00:10:24,222
cocktail party or at the
367
00:10:24,263 --> 00:10:26,043
pickleball court or the golf course.
368
00:10:26,683 --> 00:10:27,384
And, you know,
369
00:10:27,424 --> 00:10:29,265
after it's where do you live and all that,
370
00:10:29,725 --> 00:10:30,567
what do you do?
371
00:10:30,807 --> 00:10:30,907
Yeah.
372
00:10:31,356 --> 00:10:33,940
And we start with historically, you know,
373
00:10:34,080 --> 00:10:36,221
we start with I am a financial planner.
374
00:10:36,403 --> 00:10:37,143
I am a lawyer.
375
00:10:37,344 --> 00:10:38,924
I am a teacher.
376
00:10:39,986 --> 00:10:41,727
And for people who retire,
377
00:10:42,850 --> 00:10:44,250
it almost looks like they
378
00:10:44,331 --> 00:10:45,172
don't know what to say.
379
00:10:45,192 --> 00:10:45,812
Yeah.
380
00:10:47,472 --> 00:10:48,114
Yeah.
381
00:10:48,254 --> 00:10:49,475
So true, Chris.
382
00:10:49,615 --> 00:10:51,376
I think the, pardon me, Jeff,
383
00:10:51,738 --> 00:10:53,419
I think the number one
384
00:10:53,480 --> 00:10:56,163
thing that we found is this
385
00:10:56,302 --> 00:10:57,684
loss of identity.
386
00:10:58,424 --> 00:11:00,427
And so what we try to help people do,
387
00:11:00,947 --> 00:11:02,590
the people that have scaled it,
388
00:11:03,270 --> 00:11:05,052
reconnect to their purpose.
389
00:11:05,614 --> 00:11:07,576
And we help people think about
390
00:11:08,176 --> 00:11:09,476
What's their overall purpose?
391
00:11:09,557 --> 00:11:11,256
What gets them out of bed in the morning?
392
00:11:11,697 --> 00:11:12,957
And you can see how that
393
00:11:13,158 --> 00:11:15,217
fits into the context of a
394
00:11:15,337 --> 00:11:18,318
person's role in an organization.
395
00:11:18,739 --> 00:11:19,960
And now they have to kind of
396
00:11:20,159 --> 00:11:21,720
leverage those skills and
397
00:11:21,840 --> 00:11:23,140
leverage who they were
398
00:11:23,221 --> 00:11:26,101
there to realize it takes
399
00:11:26,162 --> 00:11:27,802
place in a bigger context
400
00:11:27,861 --> 00:11:29,162
of their overall life.
401
00:11:29,822 --> 00:11:31,023
And so we help them kind of
402
00:11:31,123 --> 00:11:32,964
rediscover that identity.
403
00:11:34,773 --> 00:11:37,356
through the vantage point of,
404
00:11:37,417 --> 00:11:38,479
so what's your purpose?
405
00:11:38,558 --> 00:11:40,481
What has your purpose always been?
406
00:11:40,903 --> 00:11:43,287
And to get really crystal clear on that.
407
00:11:45,193 --> 00:11:46,495
I would add that we like to
408
00:11:46,534 --> 00:11:49,157
have people sort of shed their old skin.
409
00:11:49,277 --> 00:11:52,039
Like, I know you were a financial planner,
410
00:11:52,379 --> 00:11:53,880
but what are your gifts and your passion?
411
00:11:54,020 --> 00:11:55,081
What do you want to do now?
412
00:11:55,381 --> 00:11:56,523
I'm making cheese.
413
00:11:56,783 --> 00:11:58,445
I'm composting.
414
00:11:58,644 --> 00:12:00,626
I'm mentoring young kids.
415
00:12:00,787 --> 00:12:01,807
I'm volunteering.
416
00:12:01,927 --> 00:12:02,087
Like,
417
00:12:02,427 --> 00:12:04,089
there's a whole world of things that
418
00:12:04,109 --> 00:12:06,772
you can do that light you up.
419
00:12:07,451 --> 00:12:09,073
But it gets out of that title.
420
00:12:09,114 --> 00:12:09,674
So, you know,
421
00:12:09,815 --> 00:12:11,697
it takes time to shed your own skin,
422
00:12:11,756 --> 00:12:13,418
but that that should go away.
423
00:12:13,538 --> 00:12:14,340
And you've got a whole new
424
00:12:14,419 --> 00:12:15,441
chapter in your life.
425
00:12:15,841 --> 00:12:16,903
And how do you make it fun
426
00:12:16,942 --> 00:12:18,965
and exciting and something, as Lisa said,
427
00:12:18,985 --> 00:12:20,166
gets you out of bed in the morning?
428
00:12:21,288 --> 00:12:22,589
Am I correct with my
429
00:12:22,629 --> 00:12:24,311
assumption that this is harder for men?
430
00:12:28,167 --> 00:12:31,628
So the reason why we both
431
00:12:31,648 --> 00:12:32,807
pause is I'll speak for
432
00:12:32,868 --> 00:12:34,729
myself in our workshop.
433
00:12:34,849 --> 00:12:38,950
It surprises me how open men are to it.
434
00:12:38,970 --> 00:12:39,950
Okay.
435
00:12:39,970 --> 00:12:40,289
You know,
436
00:12:40,370 --> 00:12:41,931
and there's a vulnerability when
437
00:12:41,971 --> 00:12:43,610
people start to share things.
438
00:12:44,230 --> 00:12:46,932
And so I found that the men
439
00:12:47,072 --> 00:12:48,611
have been even more open
440
00:12:48,672 --> 00:12:51,732
about talking about it and
441
00:12:51,773 --> 00:12:52,854
their struggles with it.
442
00:12:52,874 --> 00:12:53,594
That's good.
443
00:12:55,414 --> 00:12:57,517
I find also the men are
444
00:12:57,557 --> 00:12:59,759
holding on to their past more.
445
00:12:59,798 --> 00:13:00,940
That's, I guess, what I'm saying.
446
00:13:00,960 --> 00:13:01,841
Yeah, totally.
447
00:13:01,880 --> 00:13:04,743
We had a gentleman who was a
448
00:13:04,783 --> 00:13:06,565
pharmaceutical salesperson,
449
00:13:06,664 --> 00:13:08,025
and that's all he knew.
450
00:13:08,086 --> 00:13:09,807
And he kept talking about getting a job,
451
00:13:09,846 --> 00:13:11,327
and he was in his late sixties.
452
00:13:11,908 --> 00:13:13,610
And people in the workshop started to say,
453
00:13:13,629 --> 00:13:15,172
well, what are you excited about?
454
00:13:15,211 --> 00:13:16,592
He goes, oh, I love antique cars.
455
00:13:16,913 --> 00:13:17,493
I love cars.
456
00:13:17,514 --> 00:13:17,673
Yeah.
457
00:13:18,234 --> 00:13:19,115
And all of a sudden he's
458
00:13:19,154 --> 00:13:20,836
like going to car shows and he's like,
459
00:13:20,855 --> 00:13:20,975
well,
460
00:13:20,996 --> 00:13:22,136
maybe he'll sell cars and maybe
461
00:13:22,177 --> 00:13:22,717
he'll do this.
462
00:13:22,778 --> 00:13:24,099
And so all of a sudden,
463
00:13:24,139 --> 00:13:25,360
just something that he did
464
00:13:25,379 --> 00:13:26,260
that he felt like was on
465
00:13:26,280 --> 00:13:28,263
the side of his desk became
466
00:13:28,342 --> 00:13:29,124
such a passion.
467
00:13:29,183 --> 00:13:30,465
And you could see how he was
468
00:13:30,504 --> 00:13:31,846
like kind of dreading,
469
00:13:31,885 --> 00:13:33,466
like I'm out looking for a job.
470
00:13:33,606 --> 00:13:34,748
And people were like, why?
471
00:13:35,068 --> 00:13:36,830
And then all of a sudden he was like, oh,
472
00:13:36,870 --> 00:13:37,291
my God.
473
00:13:38,211 --> 00:13:39,751
this could be a whole new life for me.
474
00:13:39,812 --> 00:13:43,211
And sort of the light bulb went off,
475
00:13:43,251 --> 00:13:45,952
but the sort of handcuffs
476
00:13:46,013 --> 00:13:48,714
of who he was also got let go.
477
00:13:49,514 --> 00:13:51,274
So tell us about how these
478
00:13:51,394 --> 00:13:52,455
individuals that you work
479
00:13:52,495 --> 00:13:53,294
with come to you.
480
00:13:53,394 --> 00:13:54,495
How do they find you?
481
00:13:55,075 --> 00:13:57,035
And what's the process look like?
482
00:13:57,255 --> 00:13:59,135
Is there some type of
483
00:13:59,336 --> 00:14:00,316
assessment that you do?
484
00:14:00,336 --> 00:14:02,496
If someone reaches out to you and says,
485
00:14:03,297 --> 00:14:04,376
I think my husband's stuck.
486
00:14:04,658 --> 00:14:06,518
I think my neighbor could use some help.
487
00:14:07,003 --> 00:14:08,283
unhappy he's retired what
488
00:14:08,303 --> 00:14:09,505
does it look like as they
489
00:14:09,826 --> 00:14:12,508
are introduced to you so we
490
00:14:12,548 --> 00:14:13,568
have two sides of our
491
00:14:13,609 --> 00:14:14,910
business individuals and
492
00:14:14,951 --> 00:14:16,032
corporate I'll talk about
493
00:14:16,072 --> 00:14:18,193
the individual side um we
494
00:14:18,234 --> 00:14:19,654
typically have people who
495
00:14:19,715 --> 00:14:20,816
are in that sort of
496
00:14:20,895 --> 00:14:23,018
pre-retirement age who are
497
00:14:23,077 --> 00:14:24,318
sort of contemplating
498
00:14:24,379 --> 00:14:25,701
what's next and they have
499
00:14:25,740 --> 00:14:27,341
had that realization that
500
00:14:27,381 --> 00:14:28,864
like oh this is going to be hard
501
00:14:29,524 --> 00:14:31,325
Or they've just they retired
502
00:14:31,365 --> 00:14:33,404
two years ago and nothing has happened.
503
00:14:33,466 --> 00:14:36,086
So we find them through referrals.
504
00:14:36,105 --> 00:14:38,307
We find them through social media.
505
00:14:39,467 --> 00:14:41,528
And then we we have a simple
506
00:14:41,628 --> 00:14:42,629
digital course that we
507
00:14:42,668 --> 00:14:43,609
usually start with.
508
00:14:43,788 --> 00:14:44,969
It's a couple hundred bucks
509
00:14:45,090 --> 00:14:46,389
and people can go through
510
00:14:46,429 --> 00:14:47,129
it on their own.
511
00:14:47,190 --> 00:14:47,610
It's sick.
512
00:14:47,690 --> 00:14:49,030
It's all the same modules
513
00:14:49,331 --> 00:14:50,051
that we would have in a
514
00:14:50,110 --> 00:14:51,451
workshop for corporations.
515
00:14:51,731 --> 00:14:53,572
But they go through that and
516
00:14:53,611 --> 00:14:54,633
then they graduate.
517
00:14:55,312 --> 00:14:56,173
they work through it.
518
00:14:56,212 --> 00:14:58,254
And then we also augment it with coaching.
519
00:14:58,293 --> 00:14:59,594
And so if you have a coach
520
00:14:59,634 --> 00:15:01,294
to sort of help you with,
521
00:15:01,335 --> 00:15:01,955
how do you connect?
522
00:15:02,134 --> 00:15:03,115
What is my purpose?
523
00:15:03,154 --> 00:15:04,195
We'll help you through that.
524
00:15:04,654 --> 00:15:07,035
Or like, how do I activate retirement,
525
00:15:07,056 --> 00:15:08,956
which is the third step in our process,
526
00:15:08,976 --> 00:15:10,476
which is about generating
527
00:15:10,537 --> 00:15:11,876
lots of ideas and then
528
00:15:12,197 --> 00:15:13,618
turning them into experiments.
529
00:15:13,658 --> 00:15:15,298
So a coach will help you at
530
00:15:15,378 --> 00:15:16,678
very specific times.
531
00:15:16,719 --> 00:15:17,619
So it's a kind of a
532
00:15:17,739 --> 00:15:20,620
wonderful blend of like online learning,
533
00:15:20,679 --> 00:15:21,639
doing it on your own.
534
00:15:22,200 --> 00:15:23,421
And then if you need it,
535
00:15:23,600 --> 00:15:24,942
augmenting it with a coach
536
00:15:24,961 --> 00:15:26,102
to help you maybe get up
537
00:15:26,302 --> 00:15:27,844
unstuck or to generate more
538
00:15:27,923 --> 00:15:29,085
ideas or just to help
539
00:15:29,445 --> 00:15:31,285
finalize that plan or to
540
00:15:31,365 --> 00:15:33,327
even get you comfortable with, okay,
541
00:15:33,727 --> 00:15:35,668
I can do this because people do get,
542
00:15:36,110 --> 00:15:36,309
you know,
543
00:15:36,350 --> 00:15:37,910
you have grandiose ideas when
544
00:15:37,931 --> 00:15:38,291
you're going to be,
545
00:15:38,311 --> 00:15:39,131
I'm going to do all these
546
00:15:39,172 --> 00:15:40,812
things and half the time
547
00:15:40,832 --> 00:15:43,073
people don't do them.
548
00:15:43,094 --> 00:15:44,355
Do sometimes these
549
00:15:44,394 --> 00:15:45,716
individuals who could use
550
00:15:45,735 --> 00:15:46,937
some help feel like maybe
551
00:15:46,956 --> 00:15:49,337
they're too old to change or, you know,
552
00:15:49,357 --> 00:15:50,078
maybe they're just,
553
00:15:51,113 --> 00:15:52,133
They may have a physical
554
00:15:52,594 --> 00:15:53,994
challenge or they just may
555
00:15:54,333 --> 00:15:55,533
not have the energy they had.
556
00:15:55,553 --> 00:15:56,774
Are they resistant to it?
557
00:15:57,375 --> 00:15:58,274
Yeah, I think so.
558
00:15:58,434 --> 00:15:59,235
Some people are.
559
00:15:59,936 --> 00:16:01,696
But we do some work around
560
00:16:01,755 --> 00:16:03,736
growth versus fixed mindset.
561
00:16:05,157 --> 00:16:05,518
And, you know,
562
00:16:05,538 --> 00:16:07,138
they teach this in kindergarten.
563
00:16:07,477 --> 00:16:09,979
I'm not good at this yet, right?
564
00:16:10,239 --> 00:16:11,259
I'm not too old.
565
00:16:11,359 --> 00:16:12,740
I'm not too old to try anything.
566
00:16:12,840 --> 00:16:14,379
I can try anything new, right?
567
00:16:14,679 --> 00:16:16,260
So we try to get people out
568
00:16:16,321 --> 00:16:19,422
of that fixed mindset of age, right?
569
00:16:19,621 --> 00:16:21,523
or physical disability or
570
00:16:21,562 --> 00:16:22,842
whatever it might be,
571
00:16:23,864 --> 00:16:25,283
that you can do anything at
572
00:16:25,303 --> 00:16:26,403
this stage of point.
573
00:16:26,464 --> 00:16:27,044
What is it?
574
00:16:27,105 --> 00:16:28,365
What's going to get you excited?
575
00:16:28,404 --> 00:16:29,404
And we also try to get
576
00:16:29,445 --> 00:16:30,605
people to really have the
577
00:16:30,645 --> 00:16:32,586
mindset that it's a time to
578
00:16:32,667 --> 00:16:34,006
learn and be curious.
579
00:16:34,346 --> 00:16:35,486
We think we know everything
580
00:16:35,508 --> 00:16:36,668
at this stage in your life.
581
00:16:36,908 --> 00:16:38,288
There's so much to learn.
582
00:16:38,828 --> 00:16:39,629
And with the internet,
583
00:16:39,649 --> 00:16:40,528
you can learn anything,
584
00:16:40,548 --> 00:16:41,970
and there's lots of online courses.
585
00:16:42,889 --> 00:16:43,571
you know you don't have to
586
00:16:43,791 --> 00:16:45,392
physically be out gardening
587
00:16:45,412 --> 00:16:46,952
or doing you know something
588
00:16:46,993 --> 00:16:48,073
that requires a lot of
589
00:16:48,173 --> 00:16:49,835
physical ability but what
590
00:16:49,894 --> 00:16:50,596
is it that you want to
591
00:16:50,655 --> 00:16:52,256
learn and get curious about
592
00:16:52,297 --> 00:16:53,658
so I think that's the piece
593
00:16:53,717 --> 00:16:55,480
that you know we try to get
594
00:16:55,539 --> 00:16:57,181
people to think very
595
00:16:57,201 --> 00:16:58,461
differently about this
596
00:16:58,701 --> 00:16:59,842
stage in their lives
597
00:17:00,202 --> 00:17:01,024
because it's going to be
598
00:17:01,144 --> 00:17:02,884
thirty years and you might
599
00:17:02,904 --> 00:17:04,066
as well live thirty years
600
00:17:04,105 --> 00:17:05,547
with purpose versus thirty
601
00:17:05,567 --> 00:17:07,327
years with I'm too old I'm
602
00:17:07,848 --> 00:17:09,470
I'm slowing down you know I
603
00:17:09,490 --> 00:17:10,490
can't move as fast
604
00:17:10,931 --> 00:17:12,932
Those might be all realities we face.
605
00:17:13,352 --> 00:17:14,472
But how do you how do you
606
00:17:14,512 --> 00:17:17,314
turn around and feel like, wow,
607
00:17:18,253 --> 00:17:19,375
I'm doing this and it gets
608
00:17:19,414 --> 00:17:20,335
me excited because then
609
00:17:20,375 --> 00:17:21,515
you're you're not thinking
610
00:17:21,535 --> 00:17:23,996
about any of those sort of mindset.
611
00:17:24,156 --> 00:17:25,797
I'll call them disabilities.
612
00:17:25,817 --> 00:17:26,917
They're not really disabilities.
613
00:17:26,958 --> 00:17:27,298
But, you know,
614
00:17:27,317 --> 00:17:29,558
that mindset of I can't do this because.
615
00:17:29,578 --> 00:17:29,659
Yeah.
616
00:17:31,480 --> 00:17:32,741
I would add one other thing.
617
00:17:32,801 --> 00:17:34,202
I think all of what Nan said
618
00:17:34,243 --> 00:17:36,105
is so true of what we're seeing.
619
00:17:36,665 --> 00:17:40,369
But we also have a tool that
620
00:17:40,410 --> 00:17:42,472
we use called a life portfolio.
621
00:17:42,952 --> 00:17:44,575
And I find that that's very
622
00:17:44,674 --> 00:17:47,117
motivating and inspiring for folks.
623
00:17:47,417 --> 00:17:48,657
So we start off.
624
00:17:48,817 --> 00:17:50,199
You talked about an assessment,
625
00:17:50,259 --> 00:17:50,739
if you will,
626
00:17:51,019 --> 00:17:52,459
where we have people go in
627
00:17:52,499 --> 00:17:53,719
and we've created this
628
00:17:53,979 --> 00:17:55,279
proprietary tool where
629
00:17:55,579 --> 00:17:57,480
there's five segments of your life.
630
00:17:57,500 --> 00:17:58,799
So divide your life up into
631
00:17:58,839 --> 00:17:59,861
these five segments and
632
00:17:59,901 --> 00:18:01,260
talk about current state.
633
00:18:01,300 --> 00:18:02,260
What does it look like?
634
00:18:02,300 --> 00:18:04,422
Is it too much, too little?
635
00:18:04,501 --> 00:18:05,102
Just right.
636
00:18:05,582 --> 00:18:08,462
And then say, OK, start to dream,
637
00:18:08,502 --> 00:18:10,502
start to imagine, start to think.
638
00:18:10,542 --> 00:18:12,045
think about like the key
639
00:18:12,105 --> 00:18:13,586
right to really be open to
640
00:18:13,625 --> 00:18:15,288
this right and and then we
641
00:18:15,327 --> 00:18:16,710
say what do you want it to
642
00:18:16,750 --> 00:18:18,171
look like in this next
643
00:18:18,230 --> 00:18:21,755
chapter and so I find then
644
00:18:21,835 --> 00:18:23,817
there's a gap and what we
645
00:18:23,856 --> 00:18:24,938
do is help them build a
646
00:18:24,978 --> 00:18:28,201
plan to get from today to their future
647
00:18:28,988 --> 00:18:31,809
And I find that that sparks
648
00:18:31,849 --> 00:18:34,412
curiosity in people, motivation.
649
00:18:35,432 --> 00:18:37,855
And you start to see that
650
00:18:37,954 --> 00:18:39,175
shifting a little bit.
651
00:18:39,215 --> 00:18:40,936
And then we call out the whole,
652
00:18:41,017 --> 00:18:42,337
is it a fixed mindset or is
653
00:18:42,377 --> 00:18:43,558
it a growth mindset?
654
00:18:44,259 --> 00:18:46,480
And we share lots of stories
655
00:18:46,621 --> 00:18:47,781
of people who've
656
00:18:47,821 --> 00:18:49,182
successfully made this
657
00:18:49,202 --> 00:18:50,564
transition and even people
658
00:18:50,604 --> 00:18:52,145
who've got hung up and not
659
00:18:52,165 --> 00:18:54,067
made the transition.
660
00:18:54,126 --> 00:18:55,728
And so people are able to say, oh,
661
00:18:55,748 --> 00:18:56,449
that's like me.
662
00:18:57,358 --> 00:18:58,859
And so that's what I found
663
00:18:58,900 --> 00:19:01,201
to be helpful to get people
664
00:19:01,221 --> 00:19:03,942
to be more open-minded around this.
665
00:19:04,042 --> 00:19:05,644
I saw in your notes when I
666
00:19:05,663 --> 00:19:07,845
was preparing for our talk today,
667
00:19:08,424 --> 00:19:08,965
something called the
668
00:19:09,006 --> 00:19:10,306
concept of planning for the
669
00:19:10,326 --> 00:19:11,626
hundred year life.
670
00:19:11,886 --> 00:19:12,988
Can you tell me what that's about?
671
00:19:14,627 --> 00:19:14,887
Yes.
672
00:19:14,988 --> 00:19:17,890
So we share a video by the
673
00:19:17,930 --> 00:19:19,410
London School of Economics.
674
00:19:19,851 --> 00:19:21,530
The two professors from that
675
00:19:21,570 --> 00:19:22,872
school wrote a very famous
676
00:19:22,951 --> 00:19:24,432
book called The Hundred Year Life.
677
00:19:24,873 --> 00:19:27,034
They were economic
678
00:19:27,074 --> 00:19:28,434
professors and they talk
679
00:19:28,474 --> 00:19:30,075
about the shift in the
680
00:19:30,336 --> 00:19:33,317
economy and that people now
681
00:19:33,436 --> 00:19:35,218
are living to be a hundred.
682
00:19:35,678 --> 00:19:39,240
And so the traditional view of, you know,
683
00:19:39,280 --> 00:19:40,662
you go to school,
684
00:19:40,741 --> 00:19:42,584
you work for a long time,
685
00:19:42,743 --> 00:19:44,125
you get married and have kids,
686
00:19:44,204 --> 00:19:45,346
and then you retire,
687
00:19:45,405 --> 00:19:47,587
that kind of very staged view,
688
00:19:48,528 --> 00:19:49,509
it really needs to be
689
00:19:49,568 --> 00:19:51,270
rethought of because if
690
00:19:51,290 --> 00:19:52,491
you're going to live to a hundred,
691
00:19:52,531 --> 00:19:53,992
you might need to have more money.
692
00:19:55,130 --> 00:19:56,070
When you're younger,
693
00:19:56,111 --> 00:19:56,951
you might want to take a
694
00:19:56,971 --> 00:19:59,232
sabbatical and travel, etc.
695
00:19:59,653 --> 00:20:02,035
So we really start to say to people,
696
00:20:02,095 --> 00:20:02,875
look at, you know,
697
00:20:02,954 --> 00:20:05,237
now's the time to continue
698
00:20:05,257 --> 00:20:07,538
to be active planners about
699
00:20:07,598 --> 00:20:09,539
this next stage of your life,
700
00:20:11,201 --> 00:20:12,622
because it could be some of
701
00:20:12,642 --> 00:20:14,063
the best time of your life.
702
00:20:14,563 --> 00:20:16,023
And so we try to help people
703
00:20:16,104 --> 00:20:18,125
shift that narrative of
704
00:20:18,184 --> 00:20:19,767
that traditional passive
705
00:20:19,826 --> 00:20:21,907
narrative to be much more active.
706
00:20:23,507 --> 00:20:23,886
Then,
707
00:20:24,606 --> 00:20:25,567
in addition to the things we're
708
00:20:25,607 --> 00:20:26,028
talking about,
709
00:20:26,048 --> 00:20:27,127
are there other challenges
710
00:20:27,147 --> 00:20:29,769
that we haven't touched on that people,
711
00:20:30,250 --> 00:20:32,349
when they retire, not the money stuff,
712
00:20:32,410 --> 00:20:33,510
but when they retire and
713
00:20:33,530 --> 00:20:36,031
they're thinking about, is this it?
714
00:20:36,531 --> 00:20:37,632
Are there other challenges
715
00:20:37,652 --> 00:20:38,613
that people might have that
716
00:20:38,633 --> 00:20:39,492
you'd like to discuss?
717
00:20:40,030 --> 00:20:40,611
Yeah, I think,
718
00:20:40,810 --> 00:20:41,531
I think one of the
719
00:20:41,551 --> 00:20:42,892
challenges is just falling
720
00:20:42,932 --> 00:20:44,333
back to what I've always done.
721
00:20:44,413 --> 00:20:46,673
Like anybody who there's,
722
00:20:47,054 --> 00:20:48,474
I know a lot of people who like,
723
00:20:48,875 --> 00:20:50,615
I used to do this and now
724
00:20:50,635 --> 00:20:51,797
I'm going to do less of this.
725
00:20:51,856 --> 00:20:53,857
And I'm a contractor, you know,
726
00:20:53,877 --> 00:20:54,917
a consultant in some way
727
00:20:54,978 --> 00:20:55,999
and they don't like it,
728
00:20:56,118 --> 00:20:58,019
but they feel that's their identity.
729
00:20:58,039 --> 00:21:01,221
So I think, you know, it's that concept of,
730
00:21:01,800 --> 00:21:02,102
okay,
731
00:21:02,182 --> 00:21:03,981
shed your old skin and what can you
732
00:21:04,001 --> 00:21:04,962
do that's different.
733
00:21:05,002 --> 00:21:06,884
But I think falling back to,
734
00:21:10,566 --> 00:21:12,167
You know, I did this, you know,
735
00:21:12,228 --> 00:21:13,229
in my life and I'm just
736
00:21:13,249 --> 00:21:14,369
doing a little bit less of it.
737
00:21:15,451 --> 00:21:16,731
It doesn't get me excited,
738
00:21:16,991 --> 00:21:17,692
but I'm doing it.
739
00:21:17,792 --> 00:21:18,353
And, you know,
740
00:21:18,413 --> 00:21:20,194
it goes back to what do you do, right?
741
00:21:20,275 --> 00:21:21,635
It gives you that identity thing.
742
00:21:21,816 --> 00:21:23,718
Oh, well, I'm still like, and they're not,
743
00:21:23,857 --> 00:21:24,817
and you can tell that it
744
00:21:24,837 --> 00:21:26,319
doesn't give a purpose and happiness,
745
00:21:26,680 --> 00:21:28,221
but it's the, I've always done this.
746
00:21:28,240 --> 00:21:30,423
So I'm going to do this in a
747
00:21:30,462 --> 00:21:32,085
little bit less capacity.
748
00:21:32,265 --> 00:21:32,444
Yeah.
749
00:21:32,926 --> 00:21:34,569
You know, on the social side of this,
750
00:21:35,590 --> 00:21:36,854
I see so I'm in Florida,
751
00:21:36,933 --> 00:21:39,076
so I'm not in a retirement
752
00:21:39,116 --> 00:21:40,680
community of fifty five community,
753
00:21:40,700 --> 00:21:41,560
but I'm in Florida.
754
00:21:41,602 --> 00:21:42,563
So I see a lot of
755
00:21:43,444 --> 00:21:45,508
individuals who are retired and I see.
756
00:21:46,564 --> 00:21:49,125
that women are much more
757
00:21:49,445 --> 00:21:51,528
quickly to engage socially
758
00:21:51,647 --> 00:21:54,451
with other groups, activities, causes,
759
00:21:54,510 --> 00:21:55,191
charities,
760
00:21:55,951 --> 00:21:59,134
and men are much more resistant to that.
761
00:22:00,395 --> 00:22:02,217
I hate to focus on this gender stuff,
762
00:22:02,257 --> 00:22:02,758
but it's just,
763
00:22:02,917 --> 00:22:04,358
I see it so clearly down
764
00:22:04,419 --> 00:22:06,320
here and I see that,
765
00:22:06,340 --> 00:22:07,862
I don't know how you get
766
00:22:07,922 --> 00:22:09,042
men in the door for this
767
00:22:09,123 --> 00:22:10,364
type of conversation,
768
00:22:10,423 --> 00:22:11,184
but it sounds like you're
769
00:22:11,204 --> 00:22:12,486
having some success with it.
770
00:22:12,506 --> 00:22:13,586
Oh yeah.
771
00:22:14,849 --> 00:22:17,451
We have as many men as women
772
00:22:17,651 --> 00:22:19,731
in our workshops.
773
00:22:19,791 --> 00:22:22,252
And it's funny because when
774
00:22:22,272 --> 00:22:23,673
you asked Nan about challenges,
775
00:22:23,713 --> 00:22:24,554
the one that came to mind
776
00:22:24,574 --> 00:22:25,214
for me was this.
777
00:22:25,255 --> 00:22:26,095
It was community.
778
00:22:26,555 --> 00:22:28,016
Because you lose a big part
779
00:22:28,056 --> 00:22:29,236
of your community when you
780
00:22:29,256 --> 00:22:30,596
spend so much time day to
781
00:22:30,636 --> 00:22:31,857
day with certain people.
782
00:22:32,157 --> 00:22:33,998
People don't get that, right?
783
00:22:34,038 --> 00:22:35,019
Because you think about
784
00:22:35,358 --> 00:22:36,420
being social at work and
785
00:22:36,440 --> 00:22:38,780
then after work and work-related things.
786
00:22:38,840 --> 00:22:39,681
Is that what you're talking about?
787
00:22:40,096 --> 00:22:42,637
yes exactly yeah you know I
788
00:22:42,678 --> 00:22:44,318
mean to some degree I had
789
00:22:44,419 --> 00:22:46,220
my I worked at fidelity for
790
00:22:46,240 --> 00:22:47,700
over twenty one years they
791
00:22:47,720 --> 00:22:48,621
were there when I had my
792
00:22:48,681 --> 00:22:49,800
when I got married when I
793
00:22:49,820 --> 00:22:51,321
had my kids but like
794
00:22:51,342 --> 00:22:52,883
through all my life events
795
00:22:53,063 --> 00:22:54,323
and they be you know they
796
00:22:54,363 --> 00:22:56,824
were my work family and I
797
00:22:56,864 --> 00:22:58,865
think a significant number
798
00:22:58,884 --> 00:23:00,086
of people when they retire
799
00:23:00,165 --> 00:23:01,306
everyone says oh we'll keep
800
00:23:01,346 --> 00:23:02,307
in touch let's keep in
801
00:23:02,346 --> 00:23:04,548
touch but it just typically
802
00:23:04,587 --> 00:23:05,567
doesn't happen does it
803
00:23:07,424 --> 00:23:07,525
No.
804
00:23:07,585 --> 00:23:08,405
And I also say,
805
00:23:08,967 --> 00:23:10,468
we do have a program that
806
00:23:11,989 --> 00:23:14,692
organizations do for their pre-retirees.
807
00:23:15,231 --> 00:23:16,192
And that's where we're
808
00:23:16,212 --> 00:23:18,815
finding a lot of men signing up for that.
809
00:23:18,894 --> 00:23:20,016
Maybe they're not doing it
810
00:23:20,195 --> 00:23:21,877
afterwards as much because
811
00:23:21,897 --> 00:23:23,038
we have more women in our
812
00:23:23,118 --> 00:23:25,000
sort of individual and coaching programs.
813
00:23:25,441 --> 00:23:26,461
But in the workplace,
814
00:23:26,942 --> 00:23:28,763
there are a lot of men that
815
00:23:28,804 --> 00:23:30,305
we have sometimes...
816
00:23:31,365 --> 00:23:32,385
it's fifty-fifty,
817
00:23:32,426 --> 00:23:33,606
sometimes a little bit more men.
818
00:23:33,666 --> 00:23:35,327
But I think if you give them
819
00:23:35,367 --> 00:23:36,468
the opportunity while
820
00:23:36,508 --> 00:23:37,689
they're still working to
821
00:23:37,788 --> 00:23:39,088
raise their hand and get
822
00:23:39,128 --> 00:23:40,970
this conversation out in the open,
823
00:23:41,450 --> 00:23:42,790
it's much more beneficial.
824
00:23:42,891 --> 00:23:43,951
I think if they're waiting
825
00:23:44,070 --> 00:23:44,971
and they're in Florida and
826
00:23:44,991 --> 00:23:46,432
they think they're going to
827
00:23:46,792 --> 00:23:48,893
reconnect and get a new community,
828
00:23:49,653 --> 00:23:50,933
it doesn't happen as much.
829
00:23:50,973 --> 00:23:52,974
So we always say plan your
830
00:23:53,035 --> 00:23:54,695
retirement before you retire.
831
00:23:55,516 --> 00:23:58,176
Get moving on what do you
832
00:23:58,196 --> 00:23:59,156
want to do and what do you
833
00:23:59,176 --> 00:24:00,117
want to do that's different
834
00:24:00,178 --> 00:24:01,038
and what could be the
835
00:24:01,077 --> 00:24:04,459
community that you build around that.
836
00:24:05,140 --> 00:24:06,700
I can see that being so
837
00:24:06,740 --> 00:24:08,181
critical to having a
838
00:24:08,260 --> 00:24:09,980
successful real plan for
839
00:24:10,020 --> 00:24:11,301
what's after your work life.
840
00:24:11,842 --> 00:24:15,063
How soon before the retirement date,
841
00:24:15,103 --> 00:24:15,663
if you will,
842
00:24:15,962 --> 00:24:17,423
is this process starting for
843
00:24:17,483 --> 00:24:18,825
someone in one of the
844
00:24:18,845 --> 00:24:20,105
corporations that you work with?
845
00:24:21,690 --> 00:24:23,792
It's usually one to three years out.
846
00:24:25,414 --> 00:24:27,317
One year is about right.
847
00:24:28,920 --> 00:24:29,961
And a lot of times
848
00:24:30,020 --> 00:24:34,047
corporations are thinking about like, hey,
849
00:24:34,067 --> 00:24:35,288
could this person contract
850
00:24:35,307 --> 00:24:36,108
or they could do different
851
00:24:36,128 --> 00:24:37,611
things and how do I use
852
00:24:37,631 --> 00:24:39,193
this person's talent to help?
853
00:24:39,794 --> 00:24:42,055
you know, mentor the next generation.
854
00:24:42,095 --> 00:24:43,836
So organizations have some
855
00:24:43,895 --> 00:24:45,237
benefits by doing it.
856
00:24:45,376 --> 00:24:47,157
But I think one to three
857
00:24:47,178 --> 00:24:49,259
years out is really the right time.
858
00:24:49,298 --> 00:24:50,539
And we always say to people,
859
00:24:50,880 --> 00:24:53,181
go try things out before you even retire.
860
00:24:53,340 --> 00:24:54,842
Maybe you're thinking about volunteering.
861
00:24:55,201 --> 00:24:57,103
Well, go do it now and see what it's like.
862
00:24:57,202 --> 00:24:58,144
Is that what you want to do?
863
00:24:58,364 --> 00:24:59,944
Or, you know, whatever it might be.
864
00:25:01,780 --> 00:25:03,201
russ uh we've been doing all
865
00:25:03,221 --> 00:25:04,522
the talking here I know
866
00:25:04,542 --> 00:25:05,383
you're on the control panel
867
00:25:05,403 --> 00:25:06,763
did you it looks like you
868
00:25:06,784 --> 00:25:08,144
have something to say I do
869
00:25:08,224 --> 00:25:09,424
I I have a couple thoughts
870
00:25:09,486 --> 00:25:10,945
I mean I find this whole uh
871
00:25:10,965 --> 00:25:12,227
conversation so fascinating
872
00:25:12,547 --> 00:25:13,708
um and definitely you know
873
00:25:13,728 --> 00:25:15,288
my mom is uh semi-retired
874
00:25:15,348 --> 00:25:17,250
and she's uh always thought
875
00:25:17,289 --> 00:25:18,490
of retirement as a bit of a
876
00:25:18,550 --> 00:25:20,051
dirty word I think uh just
877
00:25:20,092 --> 00:25:21,571
from from her upbringing or
878
00:25:21,613 --> 00:25:23,153
whatever it was uh she
879
00:25:23,192 --> 00:25:23,973
didn't want to you know
880
00:25:24,013 --> 00:25:24,673
approach the word
881
00:25:24,713 --> 00:25:26,634
retirement and um she she
882
00:25:26,855 --> 00:25:27,715
kind of thinks of it as
883
00:25:27,736 --> 00:25:29,156
like a new a new period
884
00:25:29,196 --> 00:25:29,717
rather than at the
885
00:25:29,737 --> 00:25:30,698
beginning of the end or
886
00:25:31,178 --> 00:25:31,979
Something that, you know,
887
00:25:31,999 --> 00:25:33,380
some people might consider retirement.
888
00:25:34,640 --> 00:25:36,141
But yeah,
889
00:25:36,221 --> 00:25:37,521
I guess I just wanted to find out
890
00:25:37,622 --> 00:25:39,103
what the difference was
891
00:25:39,523 --> 00:25:40,144
when you're working with
892
00:25:40,163 --> 00:25:41,105
those pre-retirees,
893
00:25:41,144 --> 00:25:42,305
maybe that are currently in
894
00:25:42,325 --> 00:25:43,026
the workforce.
895
00:25:43,506 --> 00:25:45,027
And maybe someone who's been
896
00:25:45,047 --> 00:25:46,468
retired for a couple of years or even,
897
00:25:46,768 --> 00:25:46,969
you know,
898
00:25:47,009 --> 00:25:48,348
five years and then realizes
899
00:25:48,869 --> 00:25:49,710
they don't really know what
900
00:25:49,730 --> 00:25:50,671
their passions are anymore.
901
00:25:50,711 --> 00:25:51,451
Or they've, you know,
902
00:25:51,511 --> 00:25:52,751
they've done the golfing,
903
00:25:52,771 --> 00:25:53,673
they've done the traveling,
904
00:25:53,712 --> 00:25:56,015
they visited the grandkids and decide,
905
00:25:56,035 --> 00:25:57,214
you know,
906
00:25:57,234 --> 00:25:58,576
what else now that I have twenty
907
00:25:58,615 --> 00:25:59,616
five years left of
908
00:25:59,777 --> 00:26:00,897
retirement ahead of me.
909
00:26:03,398 --> 00:26:05,140
I find them to be even more
910
00:26:05,200 --> 00:26:08,281
motivated because they're searching,
911
00:26:08,561 --> 00:26:09,923
right, in those years.
912
00:26:10,002 --> 00:26:11,683
They recognize the problem, right?
913
00:26:11,864 --> 00:26:12,163
Yeah.
914
00:26:12,263 --> 00:26:15,885
And does the approach change
915
00:26:15,926 --> 00:26:16,967
from the coaching
916
00:26:17,007 --> 00:26:17,988
standpoint when you're
917
00:26:18,008 --> 00:26:19,449
talking to pre-retirees or
918
00:26:19,509 --> 00:26:20,548
people who are in that
919
00:26:20,989 --> 00:26:22,210
later stage of retirement?
920
00:26:22,871 --> 00:26:24,351
No, we take them through our,
921
00:26:24,592 --> 00:26:25,571
we call it our future in
922
00:26:25,612 --> 00:26:26,833
four-step process.
923
00:26:28,561 --> 00:26:30,644
And then from there,
924
00:26:31,606 --> 00:26:33,450
we have them create their
925
00:26:33,490 --> 00:26:35,192
personalized vision life plan.
926
00:26:36,648 --> 00:26:38,250
And then the thing that we
927
00:26:38,390 --> 00:26:39,829
really feel passionate
928
00:26:39,869 --> 00:26:42,310
about is this shouldn't be one and done,
929
00:26:42,490 --> 00:26:42,770
right?
930
00:26:43,171 --> 00:26:44,871
This could be twenty five, thirty years.
931
00:26:45,311 --> 00:26:47,791
So we give people lifetime
932
00:26:47,852 --> 00:26:49,813
access to the tools and the platform.
933
00:26:50,272 --> 00:26:51,272
Even the people who go to
934
00:26:51,333 --> 00:26:53,574
the virtual workshop,
935
00:26:53,693 --> 00:26:56,335
they have all of those tools that we use.
936
00:26:56,634 --> 00:26:59,434
We teach live, but we also have videos.
937
00:26:59,935 --> 00:27:01,276
It's a very interactive
938
00:27:02,037 --> 00:27:03,837
um learning platform digital
939
00:27:03,857 --> 00:27:04,857
learning platform so
940
00:27:04,897 --> 00:27:06,898
there's videos there's hbr
941
00:27:06,999 --> 00:27:08,480
articles there's ted talks
942
00:27:08,660 --> 00:27:10,800
there's our own teaching
943
00:27:10,840 --> 00:27:12,301
videos that we've produced
944
00:27:12,402 --> 00:27:14,522
of us so and there's all
945
00:27:14,583 --> 00:27:15,442
types of tools and
946
00:27:15,482 --> 00:27:16,884
templates to help people
947
00:27:17,203 --> 00:27:19,265
really um dig in if you
948
00:27:19,305 --> 00:27:20,746
will and have a concrete
949
00:27:20,786 --> 00:27:22,926
plan and you know we
950
00:27:22,967 --> 00:27:24,126
encourage people to revisit
951
00:27:24,166 --> 00:27:25,708
that at the strategic
952
00:27:25,748 --> 00:27:26,989
points in their time right
953
00:27:28,446 --> 00:27:29,406
And you said you guys work
954
00:27:29,448 --> 00:27:31,048
with businesses as well.
955
00:27:31,067 --> 00:27:32,489
I was wondering,
956
00:27:33,809 --> 00:27:35,631
is it all sizes of businesses,
957
00:27:35,671 --> 00:27:37,570
small businesses, big corporations?
958
00:27:37,731 --> 00:27:39,511
Where do you see, you know,
959
00:27:39,752 --> 00:27:40,992
businesses signing up for this?
960
00:27:41,113 --> 00:27:41,673
And also?
961
00:27:42,534 --> 00:27:46,915
Oh, yeah, we'll start start with that.
962
00:27:46,976 --> 00:27:50,018
So go ahead.
963
00:27:50,038 --> 00:27:50,597
Go ahead, man.
964
00:27:50,637 --> 00:27:50,877
Sorry.
965
00:27:51,431 --> 00:27:51,570
Well,
966
00:27:51,611 --> 00:27:53,311
it tends to be people who have a
967
00:27:53,372 --> 00:27:54,653
demographic within their
968
00:27:54,712 --> 00:27:56,314
organization that is older.
969
00:27:56,453 --> 00:27:57,515
So, you know,
970
00:27:57,535 --> 00:27:59,155
if you think about manufacturing,
971
00:27:59,175 --> 00:28:01,057
you think about financial services,
972
00:28:01,116 --> 00:28:02,597
health care, academia,
973
00:28:04,057 --> 00:28:06,279
those organizations are ripe for this.
974
00:28:06,480 --> 00:28:08,221
And so really a lot of it is
975
00:28:08,280 --> 00:28:11,482
the makeup of their organization.
976
00:28:11,982 --> 00:28:12,923
workforce,
977
00:28:13,743 --> 00:28:15,424
and also we're finding that if
978
00:28:15,464 --> 00:28:17,586
we have a HR leader that is
979
00:28:17,746 --> 00:28:19,866
actually thinking about
980
00:28:19,926 --> 00:28:21,186
retirement themselves,
981
00:28:21,688 --> 00:28:23,488
they have a realization
982
00:28:23,588 --> 00:28:26,670
that this is real for me,
983
00:28:26,750 --> 00:28:28,411
so it must be real for other people.
984
00:28:29,431 --> 00:28:31,711
So it's size, you know,
985
00:28:32,271 --> 00:28:33,313
most of what we're doing is
986
00:28:33,393 --> 00:28:34,413
midsize companies,
987
00:28:34,472 --> 00:28:35,554
but I think it's people who
988
00:28:35,614 --> 00:28:37,535
really have the demographic
989
00:28:37,734 --> 00:28:39,654
of the people and they're
990
00:28:39,694 --> 00:28:42,376
worried about the future because they see,
991
00:28:42,537 --> 00:28:44,136
you know, by twenty thirty,
992
00:28:44,477 --> 00:28:45,238
twenty million,
993
00:28:45,258 --> 00:28:46,198
twenty eight million people
994
00:28:46,238 --> 00:28:47,038
are going to be over the
995
00:28:47,117 --> 00:28:48,179
age of sixty five.
996
00:28:48,219 --> 00:28:49,578
And and that's seventy
997
00:28:49,618 --> 00:28:51,460
percent of the United States workforce.
998
00:28:51,920 --> 00:28:52,780
What am I going to do?
999
00:28:52,901 --> 00:28:53,980
So there's some real
1000
00:28:54,080 --> 00:28:55,541
business challenges that
1001
00:28:55,582 --> 00:28:58,042
sort of drive drive companies to do this.
1002
00:29:00,134 --> 00:29:00,713
Well,
1003
00:29:01,255 --> 00:29:02,576
you guys are right on target with
1004
00:29:02,615 --> 00:29:04,416
what I see from my
1005
00:29:04,517 --> 00:29:06,338
neighbors and friends a
1006
00:29:06,358 --> 00:29:07,378
little bit older than me
1007
00:29:07,419 --> 00:29:09,101
that some of them are
1008
00:29:09,121 --> 00:29:10,761
getting it right on target.
1009
00:29:10,981 --> 00:29:11,863
They're living their best
1010
00:29:11,903 --> 00:29:13,523
life in their retirement years.
1011
00:29:14,184 --> 00:29:15,806
But sadly, some of them are not.
1012
00:29:15,905 --> 00:29:17,386
And you can see that there's
1013
00:29:17,406 --> 00:29:18,607
something missing in their life.
1014
00:29:19,327 --> 00:29:20,990
If an individual is listening,
1015
00:29:21,769 --> 00:29:22,310
they don't have the
1016
00:29:22,351 --> 00:29:23,510
advantage of having a
1017
00:29:23,912 --> 00:29:25,673
corporate structure that is
1018
00:29:25,732 --> 00:29:27,554
going to sponsor this for them.
1019
00:29:27,634 --> 00:29:29,036
If an individual is listening,
1020
00:29:29,950 --> 00:29:32,070
and either is preparing to
1021
00:29:32,111 --> 00:29:34,652
retire or is retired and saying,
1022
00:29:35,113 --> 00:29:36,212
I got to do better than this.
1023
00:29:36,833 --> 00:29:40,674
How do they reach you?
1024
00:29:40,694 --> 00:29:42,915
So they can go out to our website,
1025
00:29:42,955 --> 00:29:44,596
thefutureofyou.com,
1026
00:29:45,396 --> 00:29:47,278
and they can gain access to,
1027
00:29:47,877 --> 00:29:49,118
there's a whole overview of
1028
00:29:49,199 --> 00:29:51,420
our programs that they could sign up for,
1029
00:29:51,460 --> 00:29:52,421
for individuals.
1030
00:29:52,780 --> 00:29:54,020
They can also schedule a
1031
00:29:54,060 --> 00:29:55,422
discovery call with one of
1032
00:29:55,521 --> 00:29:57,403
us if they would like to do that as well.
1033
00:29:58,419 --> 00:30:00,800
And what does that call look like, Lisa?
1034
00:30:00,820 --> 00:30:03,203
Just like a first step?
1035
00:30:04,224 --> 00:30:05,746
Yes, it's a little gathering.
1036
00:30:05,766 --> 00:30:07,188
Yeah, exactly.
1037
00:30:07,288 --> 00:30:08,489
So it's a little bit about
1038
00:30:08,689 --> 00:30:10,171
us learning about them and
1039
00:30:10,451 --> 00:30:11,771
them learning about us and
1040
00:30:11,811 --> 00:30:13,314
what we offer and we answer
1041
00:30:13,374 --> 00:30:14,634
any questions they have.
1042
00:30:14,674 --> 00:30:16,336
And we share with them the
1043
00:30:16,416 --> 00:30:18,179
experience of going through
1044
00:30:18,219 --> 00:30:19,759
that digital platform and
1045
00:30:20,580 --> 00:30:22,363
helping them craft their plan.
1046
00:30:23,616 --> 00:30:23,856
Great.
1047
00:30:24,457 --> 00:30:25,317
Thank you for your time.
1048
00:30:25,356 --> 00:30:27,758
It's very right on target to
1049
00:30:27,778 --> 00:30:29,097
the things that I see in
1050
00:30:29,178 --> 00:30:30,338
our financial planning
1051
00:30:31,298 --> 00:30:32,338
preparation with people.
1052
00:30:32,378 --> 00:30:34,118
It's not just about the financial number.
1053
00:30:34,159 --> 00:30:36,839
That's only step one in this journey.
1054
00:30:36,859 --> 00:30:38,299
You can have prepared your whole life,
1055
00:30:38,319 --> 00:30:39,881
which many people do,
1056
00:30:39,921 --> 00:30:41,060
to meet their cash flow
1057
00:30:41,121 --> 00:30:44,241
needs and their legacy desires.
1058
00:30:46,071 --> 00:30:48,614
Today, retiring at sixty, sixty five,
1059
00:30:48,634 --> 00:30:49,855
you could very well have
1060
00:30:50,655 --> 00:30:52,676
thirty years left to find
1061
00:30:52,696 --> 00:30:53,617
your purpose and have a
1062
00:30:53,678 --> 00:30:55,598
wonderful retirement for
1063
00:30:55,638 --> 00:30:56,660
all those years that you
1064
00:30:57,019 --> 00:30:59,041
built your effort and built
1065
00:30:59,061 --> 00:31:00,222
your ability to retire.
1066
00:31:00,282 --> 00:31:01,844
So take advantage of this
1067
00:31:01,903 --> 00:31:03,665
program or other programs like it.
1068
00:31:03,705 --> 00:31:04,926
Thank you for joining us today.
1069
00:31:04,946 --> 00:31:07,588
Well, thank you for having us.
1070
00:31:07,628 --> 00:31:08,710
And thank you for listening
1071
00:31:08,730 --> 00:31:09,809
to another episode of
1072
00:31:09,849 --> 00:31:11,471
Something More with Chris Boyd.
1073
00:31:12,011 --> 00:31:12,752
Until next time,
1074
00:31:12,952 --> 00:31:14,354
keep striving for something more.
1075
00:31:16,431 --> 00:31:17,531
Thank you for listening to
1076
00:31:17,592 --> 00:31:19,093
Something More with Chris Boyd.
1077
00:31:19,452 --> 00:31:20,253
Call us for help,
1078
00:31:20,574 --> 00:31:21,654
whether it's for financial
1079
00:31:21,734 --> 00:31:23,415
planning or portfolio management,
1080
00:31:23,797 --> 00:31:24,856
insurance concerns,
1081
00:31:25,218 --> 00:31:26,459
or those quality of life
1082
00:31:26,499 --> 00:31:27,579
issues that make the money
1083
00:31:27,619 --> 00:31:28,720
matters matter.
1084
00:31:29,040 --> 00:31:30,040
Whatever's on your mind,
1085
00:31:30,161 --> 00:31:30,902
visit us at
1086
00:31:30,922 --> 00:31:32,884
somethingmorewithchrisboyd.com
1087
00:31:33,384 --> 00:31:35,746
or call us toll free at eight, six, six,
1088
00:31:36,105 --> 00:31:39,127
seven, seven, one, eight, nine, zero, one,
1089
00:31:39,449 --> 00:31:40,709
or send us your questions
1090
00:31:40,750 --> 00:31:44,913
to amr-info at wealthenhancement.com.
1091
00:31:45,413 --> 00:31:45,952
you're listening to
1092
00:31:45,992 --> 00:31:46,814
something more with chris
1093
00:31:46,894 --> 00:31:47,954
boyd financial talk show
1094
00:31:47,994 --> 00:31:49,076
wealth enhancement advisory
1095
00:31:49,115 --> 00:31:49,836
services and jay
1096
00:31:49,855 --> 00:31:50,817
christopher boyd provide
1097
00:31:50,836 --> 00:31:51,798
investment advice on an
1098
00:31:51,897 --> 00:31:53,159
individual basis to clients
1099
00:31:53,179 --> 00:31:54,440
only proper advice depends
1100
00:31:54,460 --> 00:31:55,500
on a complete analysis of
1101
00:31:55,621 --> 00:31:56,882
all facts and circumstances
1102
00:31:57,001 --> 00:31:57,862
the information given on
1103
00:31:57,882 --> 00:31:58,863
this program is general
1104
00:31:58,883 --> 00:31:59,743
financial comments and
1105
00:31:59,784 --> 00:32:00,865
cannot be relied upon as
1106
00:32:00,884 --> 00:32:01,945
pertaining to your specific
1107
00:32:01,986 --> 00:32:02,806
situation wealth
1108
00:32:02,826 --> 00:32:03,646
enhancement group cannot
1109
00:32:03,666 --> 00:32:04,586
guarantee that using the
1110
00:32:04,627 --> 00:32:05,567
information from this show
1111
00:32:05,607 --> 00:32:06,568
will generate profits or
1112
00:32:06,628 --> 00:32:07,769
ensure freedom from loss
1113
00:32:07,910 --> 00:32:08,750
listeners should consult
1114
00:32:08,770 --> 00:32:09,471
their own financial
1115
00:32:09,490 --> 00:32:10,491
advisors or conduct their
1116
00:32:10,551 --> 00:32:11,673
own due diligence before
1117
00:32:11,692 --> 00:32:13,094
making any financial decisions
1118
00:32:16,315 --> 00:32:16,663
So, right.
