Advisor Today - November/December 2016 - 16

PRACTICE SPECIALTIES

FINANCIAL PLANNING
By Steve Decker

A New View of Retirement
Enrich the lives of your clients who are 55 years old and over by helping them see retirement as a time for recess.

P

icture a traditional arc. At one
end of the arc is childhood,
and at the other end is old age.
There are three other milestones along
the path of this arc: adolescence,
adulthood and retirement. This is the
traditional view of life.

But since I became a financial
advisor, I have witnessed that this
theory is outdated and just not true.
This is my view: The arc is not an
arc. Instead, it's a fluidly moving
line that takes you from childhood,
adolescence, adulthood, and to a new
life stage right before retirement and
old age.

When you view this line, you'll
notice that it dramatically shoots
I 419 475-9393
up. Why? Because
life is hardly over

16 ADVISOR TODAY | November/December 2016

I like to call this life stage "Ready for Recess" because it's
a permission slip for retirees to do what they really love
and want to do.
once a person retires. Some people
call retirement a second chance or a
second act to life. To me, those sound
like "do overs," or that the person
got something wrong the first time
through.
Ready for recess
I like to call this new life stage
"Ready for Recess" because it's a
permission slip for retirees to do
what they really love and want to do.
I believe that people over the age of
55 have a wonderful opportunity to
create new things - art, ceramics,
music, a new business perhaps - and
discover more about themselves as
well as what life has to offer.
I've had clients who have become
professional table tennis champions

at the age of 70! Other people I know
have taken on volunteer assignments
at hospitals and read to or visit
people who don't get many visitors.
Some have found part-time work at
a national park like Yellowstone. I
praise these individuals for teaching
all of us a valuable lesson: Don't let
others determine your destiny.
We all remember what recess was
like as a kid. Isn't it time we think
of the life stage before retirement as
recess? Certainly! Life is not about
slowing down in today's age. As a
matter of fact, it can mark a new
beginning.
Steve Decker is the owner of Decker
Financial Group in Perrysburg, Ohio.
Contact him at 419-475-9393.



Advisor Today - November/December 2016

Table of Contents for the Digital Edition of Advisor Today - November/December 2016

FROM THE EDITOR
VIEWPOINT
NEW PRODUCTS
I Love My Job, But I Don’t Want to Do it Forever!
Building a Practice You Love
The New American Dream
A New View of Retirement
College Education Funding: Helping Clients Evaluate What’s Best
Portfolio Allocations for New Market Conditions
Leveraging the Power of Study Groups
An Interview with MassMutual’s James Ocampo on Critical Illness Insurance
Start with “Why”
Best Practices for Selling Group LTCI
From Yes to Success
Meet NAIFA’s New President
NAIFA’s 2016 Performance + Purpose Conference
NAIFA GOVERNMENT RELATIONS
4 Ways to Build an Effective Email Marketing System
ADVERTISER INDEX
BACK PAGE
Advisor Today - November/December 2016 - cover1
Advisor Today - November/December 2016 - cover2
Advisor Today - November/December 2016 - 1
Advisor Today - November/December 2016 - 2
Advisor Today - November/December 2016 - 3
Advisor Today - November/December 2016 - 4
Advisor Today - November/December 2016 - 5
Advisor Today - November/December 2016 - 6
Advisor Today - November/December 2016 - 7
Advisor Today - November/December 2016 - FROM THE EDITOR
Advisor Today - November/December 2016 - 9
Advisor Today - November/December 2016 - VIEWPOINT
Advisor Today - November/December 2016 - NEW PRODUCTS
Advisor Today - November/December 2016 - 12
Advisor Today - November/December 2016 - I Love My Job, But I Don’t Want to Do it Forever!
Advisor Today - November/December 2016 - Building a Practice You Love
Advisor Today - November/December 2016 - The New American Dream
Advisor Today - November/December 2016 - A New View of Retirement
Advisor Today - November/December 2016 - College Education Funding: Helping Clients Evaluate What’s Best
Advisor Today - November/December 2016 - 18
Advisor Today - November/December 2016 - Portfolio Allocations for New Market Conditions
Advisor Today - November/December 2016 - 20
Advisor Today - November/December 2016 - Leveraging the Power of Study Groups
Advisor Today - November/December 2016 - 22
Advisor Today - November/December 2016 - 23
Advisor Today - November/December 2016 - An Interview with MassMutual’s James Ocampo on Critical Illness Insurance
Advisor Today - November/December 2016 - 25
Advisor Today - November/December 2016 - Start with “Why”
Advisor Today - November/December 2016 - 27
Advisor Today - November/December 2016 - Best Practices for Selling Group LTCI
Advisor Today - November/December 2016 - 29
Advisor Today - November/December 2016 - From Yes to Success
Advisor Today - November/December 2016 - 31
Advisor Today - November/December 2016 - Meet NAIFA’s New President
Advisor Today - November/December 2016 - 33
Advisor Today - November/December 2016 - 34
Advisor Today - November/December 2016 - 35
Advisor Today - November/December 2016 - 36
Advisor Today - November/December 2016 - 37
Advisor Today - November/December 2016 - NAIFA’s 2016 Performance + Purpose Conference
Advisor Today - November/December 2016 - 39
Advisor Today - November/December 2016 - 40
Advisor Today - November/December 2016 - 41
Advisor Today - November/December 2016 - 42
Advisor Today - November/December 2016 - 43
Advisor Today - November/December 2016 - 44
Advisor Today - November/December 2016 - NAIFA GOVERNMENT RELATIONS
Advisor Today - November/December 2016 - 4 Ways to Build an Effective Email Marketing System
Advisor Today - November/December 2016 - ADVERTISER INDEX
Advisor Today - November/December 2016 - BACK PAGE
Advisor Today - November/December 2016 - cover3
Advisor Today - November/December 2016 - cover4
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