The Roanoker September/October 2017 - RVA23

confident, but 30 percent are stressed.
In fact, just one in 10 has a formal retirement plan and may well be forced to
work longer than they want to.
Linda Ballentine, CEO of Roanokebased Crowning Touch Senior Moving,
is on the front line of the adjustment
retirees make: helping them downsize.
Her company moves people and helps
sell the household items they choose
not to keep.
"When you downsize," she says,
"there's an in-your-face reality check.
You realize you either can't take care
of it all or you simply can't afford it" any
longer.
Retirees "sacrificed to own their collected treasures for 45 years, but now
the whole formal lifestyle is passe. Still,
by the time you're 70, you should be
honest with yourself about what you
want to do and where you want to live."
The difficult moment often comes, she
says, when retirees realize "nobody
wants your stuff."
Anne and Andy Hudick of Fee Only
Financial Planning in Roanoke wonder
"how many people get their hands on
their 401(k) and spend it?" They see too
many, says Anne. "Our rule of thumb,
says Andy (who has written the book
"Thirty-Five Great Ideas: Timeless Advice for Financial Success") is to live on
a third of your salary, spend a third for
tax and put away a third for retirement."
She urges that the house be paid off,
"clean up and consolidate" all your accounts. He adds that "it helps to see
the big picture." He sees his advisory
position as "making sense of the mess.
That's the fun part."
Says Tom Nasta: "I think most people
understand when they're not prepared
to retire. Most people are aware (and
concerned) of the cost of additional
health care in retirement and are looking for a way to prepare for that. Most
people do contribute systematically to
their retirement saving and are focusing more on reducing/eliminating debt
prior to retirement."
Bottom line: Enter retirement
debt-free.


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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
The Roanoker September/October 2017 - 5
The Roanoker September/October 2017 - 6
The Roanoker September/October 2017 - 7
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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
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The Roanoker September/October 2017 - 61
The Roanoker September/October 2017 - 62
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The Roanoker September/October 2017 - Cover3
The Roanoker September/October 2017 - Cover4
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