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There is no shortage on the concept of employee onboarding. While there are many perspectives, a successful onboarding process is one that makes someone feel welcomed, valued, and prepared for their n…

There is no shortage…

There is no shortage on the concept of employee onboarding. While there are many perspectives, a successful onboarding process is one that makes someone feel welcomed, valued, and prepared for their new role. It’s more than just paperwork and training. It’s about fostering a sense of belonging and providing the tools and support needed to succeed. In a recent search on LinkedIn, I found there are almost 700 groups devoted to the concept.However, as the workforce ages – companies, financial advisors, trust lawyers, and employees themselves need to create a more formal “Offboarding” pr…

Advisors and their clients must plan for the very real possibility that Social Security benefits will be reduced if the system runs out of Money in 2033.This article first appeared at Rethinking65. Li…

Advisors and their c…

Advisors and their clients must plan for the very real possibility that Social Security benefits will be reduced if the system runs out of money in 2033.This article first appeared at Rethinking65. Listen here:I have had my emotional ups and downs with Social Security, and I have not even drawn a penny out of the program. I am 60 and have had my wages garnished and paid into the system since my first job at 16. As an economics major in college, I wrote a paper in my senior year on the viability of the entitlement program and concluded it might not be around when I retire.That has stuck with …

Frequently, I hear some version of the following, “I am always putting out fires.” Events in life cause people to have to stop, focus on some “emergency”, and solve an unexpected problem or ch…

Frequently, I hear s…

Frequently, I hear some version of the following, “I am always putting out fires.” Events in life cause people to have to stop, focus on some “emergency”, and solve an unexpected problem or challenge. These individuals become self-appointed firefighters, dousing problems with a flood of their time, only to move onto the next 5-alarm crisis.In professional settings, the tendency to always be putting out fires is often a sign of poor planning and an emotionally reactive workplace. For example, 15-20% of revenues for manufacturing companies and 30-35% for service businesses go towards rew…

I recently presented in front of a group of retired business professionals, who meet regularly with a purpose. They use their collective experiences to aid each other in their financial decisions. Som…

I recently presented…

I recently presented in front of a group of retired business professionals, who meet regularly with a purpose. They use their collective experiences to aid each other in their financial decisions. Some of them took the Retirement Time Analysis (RTA). When sending out each assessment, I ask for feedback on the report.Here is what one of the participants provided, “All other activities, interests, reading lists and of course, house and yard chores, tend to be on a best efforts basis. My ‘would like’ or ‘of current interest’ list is very long … to the point of distraction and related …

My second job out of college required I have a home office. I was on the road as a sales rep. This was before the age of smartphones and laptop computers. It was the time of landlines and fax machines…

My second job out of…

My second job out of college required I have a home office. I was on the road as a sales rep. This was before the age of smartphones and laptop computers. It was the time of landlines and fax machines. I was remote, before the term remote was cool.Fast forward to today, and I still have a home office. In fact, we have two – one for my wife and one for me. She runs her non-profit and me, my job. It has come to be such a part of my daily fabric of life, I would feel lost without it, even if I was not working. In fact, I think everyone should have their own office or dedicated space in their ho…

I was a long-time listener of the late radio host Rush Limbaugh. Now before you move on from this article, I am not going to get political.I mention him because every year around mid to late November …

I was a long-time li…

I was a long-time listener of the late radio host Rush Limbaugh. Now before you move on from this article, I am not going to get political.I mention him because every year around mid to late November he would do a monologue around the meaning of the Thanksgiving holiday. It painted a different picture of what the typical American might think when they sit down to celebrate a meal with family and friends. What struck me about his version was the time it took and the hardships the Pilgrims endured, that they always maintained a sense of thankfulness.As we head into the holiday season, realize th…

Note: This article first appeared at Rethinking65. Neighborhood gatherings, both planned and spontaneous, are common in my 55-plus community. Residents bring lawn chairs along with their beverages of …

Note: This article f…

Note: This article first appeared at Rethinking65. Neighborhood gatherings, both planned and spontaneous, are common in my 55-plus community. Residents bring lawn chairs along with their beverages of choice  and snacks and set up in someone’s driveway to enjoy a little fellowship.My wife and I recently grabbed our stuff and joined one of these get-togethers. It was eye-opening. Of those assembled, we were the only ones closer to 55 than 75. We still work. We’re soon to be grandparents, but many others had multiple grandchildren, some in their teenage years. The conversations ranged from l…