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…
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:
77 million of you will be retiring by the year 2030, if you haven’t done so already
40% of you over 65 still have mortgage debt unless you no longer own
The Medicare and Social Security systems could have failures or serious cutbacks in benefits
Incredibly, 50% of boomers have less than $10,000 in cash savings; 25% have NONE!! (Even if you have more, you’re losing at least 3% to inflation every year
According to a survey by Rutgers University, 69% of boomers over the age of 65 WANT to happily retire but only 25% feel they can AFFORD to!
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.
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 CONSULTATION
Appointments 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)
ABOUT WILLIAM SEAVEY:
William Seavey, left, then age 67, winning Cambria CA all-comers doubles tennis tournament (prizes awarded). Partner Gail McBride, center, a doctor's wife.He is a veritable Renaissance Man (for a modern age!)
He’s an author of nearly a dozen books, including Crisis Investing and Entrepreneuring and Moving to Small Town America).
He and his wife have been interviewed by AARP THREE times.
His contributions have appeared in the New York Times, Credit.com, Barrons, Reader’s Digest, The Street, Active Over 50, U.S. News, the Wall Street Journal and elsewhere.
He spent five years as a professional resume’ writer and started a national association.
He ran the Greener Pastures Institute 15 years and helped thousands relocate to their “Shangri-la.”
Locally he’s taught at the Osher Lifelong Learning Institute through Cal Poly and presented to Rotary and HopeDance audiences.
He built a house in a Baja California resort for $25,000 ($700 annual dues/taxes)!
He appeared on the front page of the SLO Tribune with his rainwater saving strategies to encourage conservation.
He was a founding board member of Hopes Village, which locally is trying to help the homeless with affordable "tiny" homes.
He co-runs a bed and breakfast inn and airbnb in Cambria, and has for the last 12 years.
He’s also worked in the health field (HMO/student clinic) and received a certificate in Primary Prevention healthcare.
He even attended the famous Woodstock Music Festival.
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.