Welcome to the Art (AND Science, AND Economics) of Retirement
brought to you by William Seavey, 70, whose solutions and insights may even amaze you…
Endorsement:"I cared for my late mom in our home for many years, and these (assisted living alternatives and aging/retirement possibilites) were subjects close to her heart--which makes them close to mine. Not everyone has the options she had, so Bill Seavey's alternatives could mean the world to seniors like her." Catherine Ryan Hyde, author of bestselling novel Pay It Forward (made into what one critic called the most inspirational movie of all time starring Helen Hunt, Kevin Spacey and Haley Joel Osment. Ryan, who resides in Cambria, has also penned bestselling novels Allie and Bea and Take Me With You.
You’ve lived a half century or more and are now pursuing or contemplating retirement. Or maybe retirement is a “dirty word” to you. (We understand.) So what’s next?
Do you want to eventually live ”happy, wild and free” as one author on aging issues describes the optimal post full-time work life?? But do you first want to carefully plan for your future life, verify what the possibilities (and obstacles) are along the way, and then start living The Good Life ASAP (but maybe on a budget). BOTH are quite possible.
If you’re a boomer (born between 1946-1964)
you face some unique generational challenges:
Yet the 21st century is still a great time to be alive. (One of my favorite books is The Good Old Days My Ass, which details how bad previous centuries REALLY were. They were, in fact, rather TERRIBLE!)
If you’re relatively healthy you can do many things today thanks to more choices in transportation, trends in part-time employment, myriad volunteer opportunities, the “online economy,” better medical care, even “senior” discounts.
"Get busy living or get busy dying."
--"Andy Dufresne" to friend "Red" in Shawshank Redemption (one of my favorite movies). Source: getbusylivingblog.com
"He who isn't being born is busy dying."
"Let no one be slow to seek wisdom when he is young nor weary when he has grown old. For no age is too early or too late for the health of the soul."
--Epicurus, Greek philosopher of "fun"
In fact, many people can live well into their 70’s and 80’s or more, and have full, productive and even financially stable lives. There’s lots to be positive about, even if you aren’t particularly happy about things right now…
But how do you get the “gold” in your so-called golden years?? Consultant Seavey of Cambria and San Luis Obispo has many answers. See below for his detailed bio.* (But if you want a quick verification of his background, Google: William Seavey Retirement Choices where a half dozen recent articles appear in online publications that he’s contributed to.)
YOUR INVITATION FOR AN AFFORDABLE PERSONAL CONSULTATIONAppointments are Sunday through Tuesday (evenings ok as available). Your personal consultation includes TWO free books, one specifically on retirement planning--and many handouts. Cost of session: $49 whether for one or two persons. (At least two sessions recommended but there is no pressure to commit.) (FYI, he does NOT sell ANY financial “instruments,” you will not be “pitched.”) Topics Covered (as needed):• What are you going to do for the rest of your (potentially long) life?• Assessing your Level of Activity (LOA), which AARP writer Bart Astor feels is the first thing you need to do before you can really know the possibilities for your future life.• Do you have a Bucket List of worldwide adventures? (Pros and cons of even having one!) If you’re single, tips on how you can find a compatible travel companion. A $20 per night BnB network (2000 homes).• If you still need to work (at least part-time), Seavey has some great suggestions—especially home-based (Seavey and his wife have had numerous home-based businesses).• Investing strategies that are “lifetime proof”; dividend stars. Ways you can protect yourself in a downturn (Seavey wrote the book!).• Staying in the peak of health well past 60, and aging realities you may not be aware of (like sleep deprivation’s downsides).• Do you need a financial advisor (besides Seavey)? The new Robo advisory services from Vanguard, Schwab, etc.• Where you can live outside the U.S. that’s cheaper or simply different (Seavey has had properties in Mexico and Canada, and wrote a book on the latter which includes a relocation chapter).• Where in the U.S. can you put down roots that is much cheaper than SLO OR SB Counties (or even in some parts of California—but not Bakersfield!)• If you’re of pre-Medicare age, how you can live WITHOUT health insurance by adopting preventive health strategies and/or setting up an HSA.• The latest in reverse mortgages--and the alternatives--if you have a lot of home equity. New laws to protect you!• How to pay off your mortgage debt as quickly as possible without stressing yourself financially; a simple trick that’s pretty painless• Examining the controversial “Die Broke” philosophy of Stephen Pollan (quit today, pay cash, don’t retire, die broke); will it work for you?• Alternatives to assisted living/nursing homes if those needs eventually arise, and who you can trust to advise you. Explanations of the differences in care.• And Much More!Contact: (805) 924-1719 • (805) 689-4022 (cell)email: firstname.lastname@example.org
Please call, email or text us at any reasonable hour to ask questions about ANYTHING related to retirement planning and your individual circumstances. We can send you a questionnaire which you can either fill out (or not), but if you do and eventually come in for a consultation, it will save us both time. By sending in the questionnaire you are under absolutely no obligation. (Ask for 2 copies if married/coupled). Need physical or mailing address.
ABOUT WILLIAM SEAVEY:
Gary Collins ABC TV Interview
BOOKS BY (or about) WILLIAM SEAVEY
Available at consultation or order directly from Amazon (in most cases)
Americanada.us(Relocation details)The Ultimate Guideto Healing Your Past(chapter about Seavey's experience losing a loved one)The Simple Life(chapter by William Seavey on relocation issuesMoving toSmall Town America(the classic moving to the country book)Crisis Investing &Entrepreneuring(the classic downturn survival book)How to NeverBecome Homeless20+ ideas for affordable housing(not available at Amazon)
Book Review by Jay Skiles, JD, MPA, Boise, Idaho
(bought book in 2015)
Crisis Investing and Entreprenuering
"In a world filed with books that purport to tell you how to start and run your own business, protect yourself from economic trouble or get rich quick - most of which end up sounding like a personal ad on an Internet dating site for the author - here is one that is to the point and simply: useful. Bill Seavey has boiled down his many decades of experience operating a variety of small businesses and developing revenue streams that will show you the ropes with an absence of fluff--and motivate you to start building your own business. Trust me, if you ever dreamed of being your own boss it will be the best $15 you ever spent.
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