The Roanoker September/October 2017 - RVA22

paradigm and that made a huge difference. Health
insurance has been a $6,000 deductible through the
Affordable Care Act, which may not have much life left.
"We were living in a bigger, more expensive house
in Arlington," says Jan. "We found this smaller house
and it needed renovation," which they have done primarily by themselves (kitchen, first floor, porch, landscaping, painting). They had some expertise, but "YouTube has videos for everything," says Jan, chuckling,
"and our neighbor is a structural engineer."
They have three children and six grands. The house
is a good size for having family as guests.
"We've done a good job planning," says Bill, "but
you need to plan as early as you can. When you're
younger, you have more time to recover if something
goes wrong."
But when retirees look to work again, that guidance
is not so easy to find.
"In our society, there is a lot of guidance for the
young," says Deb Squire of Directions/Career Life
Transitions. She has "coached [job hunters] through
five recessions. There's a whole new norm." Some
people "are pretty lost," she says. "It is challenging
for people with a profession to experience change."
Because there "is little security in the job market," says
Squire, "you always need to be prepared for what's
next." And that includes the time in retirement.
Roanoker Tom Nasta, Investment Advisor Representative at Personal Financial Planning Inc., says,
"Fewer people are eligible for pension plans now, so
they have to rely more on retirement savings to supAbove, Clockwise:
"...making sense of the mess. That's the fun
part." - Anne and Andy Hudick

plement their living expenses. People are living longer

Retirement should be "a gradual process instead of an 'all at once' event." -Tom Nasta

stead of an 'all at once' event."

"When you downsize, there's an in-your-face reality check." -Linda Ballentine

22 | RETIRE-VA 2018

and are more active in retirement. I think many people
don't think retirement can be a gradual process inAn Employee Benefit Research Institute survey reveals that 60 percent of people working believe they
will be ready for retirement. Retirees are even more

RETIRE-VA.COM


http://www.RETIRE-VA.COM

Table of Contents for the Digital Edition of The Roanoker September/October 2017

The Roanoker September/October 2017 - Intro
The Roanoker September/October 2017 - Cover1
The Roanoker September/October 2017 - Cover2
The Roanoker September/October 2017 - 3
The Roanoker September/October 2017 - 4
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The Roanoker September/October 2017 - RVA1
The Roanoker September/October 2017 - RVA2
The Roanoker September/October 2017 - RVA3
The Roanoker September/October 2017 - RVA4
The Roanoker September/October 2017 - RVA5
The Roanoker September/October 2017 - RVA6
The Roanoker September/October 2017 - RVA7
The Roanoker September/October 2017 - RVA8
The Roanoker September/October 2017 - RVA9
The Roanoker September/October 2017 - RVA10
The Roanoker September/October 2017 - RVA11
The Roanoker September/October 2017 - RVA12
The Roanoker September/October 2017 - RVA13
The Roanoker September/October 2017 - RVA14
The Roanoker September/October 2017 - RVA15
The Roanoker September/October 2017 - RVA16
The Roanoker September/October 2017 - RVA17
The Roanoker September/October 2017 - RVA18
The Roanoker September/October 2017 - RVA19
The Roanoker September/October 2017 - RVA20
The Roanoker September/October 2017 - RVA21
The Roanoker September/October 2017 - RVA22
The Roanoker September/October 2017 - RVA23
The Roanoker September/October 2017 - RVA24
The Roanoker September/October 2017 - RVA25
The Roanoker September/October 2017 - RVA26
The Roanoker September/October 2017 - RVA27
The Roanoker September/October 2017 - RVA28
The Roanoker September/October 2017 - RVA29
The Roanoker September/October 2017 - RVA30
The Roanoker September/October 2017 - RVA31
The Roanoker September/October 2017 - RVA32
The Roanoker September/October 2017 - 59
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The Roanoker September/October 2017 - Cover3
The Roanoker September/October 2017 - Cover4
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