Life Starts at Retirement

Planning your retirement income can be like solving a complex puzzle. Do I take funds from my tax free account? Do I sell some investments? In this video we explore some strategies to pay less in income taxes so you have more income and we look at some of the essential factors to consider when deciding where to start your withdrawals, ensuring a financially secure and worry-free retirement. DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.

Retirement is not just about reaching a certain age or financial milestone; it's an opportunity for a new chapter filled with exploration, growth, and fulfillment. In this video, we'll delve into the art of crafting a successful retirement by adopting six essential habits that can make your retirement truly remarkable. Whether you're already retired or planning for the future, these habits can help you design a retirement that's not only financially secure but also emotionally rewarding. -------CONTENTS OF THIS VIDEO----- 0:00 - INTRO :43 - WILL I HAVE ENOUGH MONEY? 1:32 - RETIRE TO SOMETHING NOT FROM SOMETHING 2:45 - COMMIT TO BEING HEALTHY 3:45 - LIVE YOUR LIFE NOW 4:30 - RELATIONSHIPS, RELATIONSHIPS, RELATIONSHIPS 5:16 - POSITIVE ATTITUDE Join our Facebook group at www.facebook.com/groups/lifestartsatretirement

In this enlightening speech, we'll explore how technology can unlock the hidden potential of your retirement years. Discover how digital tools, apps, and gadgets can transform your retirement experience into a time of exploration, connection, and boundless opportunity. We talk about the ways to stay in contact with your loved ones, apps that can help you learn and develop new skills, and how technology can elevate your retirement experience. Please consider joining our Facebook group at www.facebook.com/groups/lifestartsatretirement

Are you a retiree dreaming of escaping the winter chill and heading south to become a snowbird? Have your been going down south for many years? Well, you're in the right place! In today's video, we'll share seven invaluable tips that will help you make the most of your snowbird experience and enjoy your retirement to the fullest. Whether you're a seasoned snowbird looking for fresh insights or a newbie seeking guidance, our tips will help ensure a smooth transition to this exciting lifestyle. So, grab a cup of your favorite beverage and get ready to embark on a journey to a winter So, whether you're a retiree looking to join the ranks of snowbirds or already part of this vibrant community, these seven tips will guide you on your journey to an enjoyable retirement in the sun. We hope this video has been helpful in preparing you for the snowbird lifestyle. Don't forget to subscribe, hit that notification bell, and leave your comments below with any questions or tips you'd like to share with fellow snowbirds. Cheers to a retirement filled with sunshine, relaxation, and new adventures!

Retirement should be a time of relaxation and enjoyment, not financial stress. Learn how to protect your hard-earned savings from common money traps in this eye-opening video. These 6 crucial insights will help you to avoid financial mistakes during your retirement. Whether you're planning for retirement or already enjoying it, this information is vital to securing your financial well-being. DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.

The concept of the "Go Go, Slow Go, and No Go" phases of retirement is a helpful framework for understanding the changing financial dynamics retirees experience over time. These phases reflect the evolving lifestyle and financial needs during retirement. In the "Go Go" phase, which typically occurs during the early years of retirement, retirees are often eager to fulfill their long-held dreams and desires. This is the time for travel, hobbies, and pursuing activities they didn't have time for during their working years. While this phase can be exhilarating, it often comes with increased spending. Retirees may find themselves dipping into their savings or investment portfolios more aggressively. It's important to budget and plan for these years carefully to avoid overspending, as doing so can impact the sustainability of retirement assets in the later phases. The "Slow Go" phase follows the initial exuberance and tends to happen in the later part of retirement. During this period, retirees may gradually reduce their spending on activities and travel, settling into a quieter, more predictable routine. While expenses may decrease, healthcare costs can rise during this phase, so it's essential to have a plan in place for potential medical expenses. Careful financial management and a sustainable withdrawal strategy from retirement accounts become crucial in the Slow Go phase to ensure that one's savings last throughout retirement. Finally, the "No Go" phase refers to the later years of retirement when health concerns and reduced mobility may limit a retiree's ability to engage in expensive activities or travel extensively. During this phase, healthcare expenses can become a significant financial burden. It's essential to have a well-structured retirement income plan, including considerations for long-term care and medical expenses. Estate planning also becomes a priority during this time to ensure that one's assets are distributed according to their wishes. In summary, understanding the Go Go, Slow Go, and No Go phases of retirement is essential for effective financial planning. Each phase comes with its unique financial challenges and opportunities, and being prepared for these transitions can help retirees maintain their financial security and peace of mind throughout their retirement. DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.

If you Google the word retirement you'll get thousands and thousands of websites all focused on money. What to invest in, where to put your money and how to spend it. But "health is wealth" really takes on a profound significance the older you get. As we transition from our active working years into a phase of life characterized by leisure and relaxation, the value of good health becomes abundantly clear. Health serves as the foundational pillar upon which the entirety of one's retirement experience rests. The ability to savor newfound freedom, explore personal interests, and spend quality time with loved ones hinges upon the state of one's physical and mental well-being. In the absence of good health, the financial savings amassed over a lifetime often lose much of their luster. A healthy body and mind enables us to engage in the activities we love, travel to new destinations, and create cherished memories with family and friends. In this sense, the concept of wealth extends beyond mere money, encompassing the invaluable richness of experiences made possible by a robust state of health. The vitality that comes with being in good health could open the doors to part-time work or volunteer opportunities, augmenting retirement income and enjoying the benefit of having a new purpose and passion. In essence, the correlation between health and wealth in retirement go hand in hand. I guess the moral of this video is to ENJOY your life to the fullest while you can and to make your retirement REMARKABLE! f Please consider joining our facebook group at www.facebook.com/groups/lifestartsatretirement

Entering retirement is not just about stepping away from a career; it's about stepping into a world of endless possibilities. It's a time to embrace new challenges, embark on adventures, and tap into the wisdom accumulated over a lifetime. One can finally pursue those passions that were once sidelined due to time constraints, or delve into activities that bring genuine joy. Retirement can be an opportunity for personal growth and contribution, whether it's volunteering for a cause close to the heart, mentoring the next generation, or even starting a new business venture. The freedom that retirement brings allows individuals to shape their days according to their desires, fostering a sense of autonomy and empowerment that fuels their love for life. But what happens when you just cant' get out of a funk? When you get bored and grumpy? In this video I share the outcome of my four week experiment of working through a difficult time in my retirement. I share the fantastic outcome and the strategies I used to feel alive again. This is the first in this series all about how to overcome being tired. https://youtu.be/XG1AV4V6n84 This is the second video in this series and it's all about how dopamine affects your attitude and where is the best place to get dopamine. https://youtu.be/13m990l5NfE This is the third video in this series and its has strategies on where and how to find your passion and purpose. https://youtu.be/1Bb_aQ0axH0 Please join our facebook group at www.facebook.com/groups/lifestartsatretirement

Are you approaching retirement and wondering what your next chapter holds? Join me in this inspiring video as I delve into the transformative journey of finding your passion and purpose after retirement. Discover practical strategies and insightful tips to unlock your hidden passions, reignite your sense of purpose, and create a fulfilling and meaningful life. Don't let retirement be a time of uncertainty; embrace it as an opportunity for self-discovery and personal growth! Retirement doesn't mean slowing down; it means revving up for a new purpose-driven life! From exploring new interests to creating a bucket list of meaningful experiences, we'll guide you on a journey of self-discovery that will reignite your zest for life and leave you inspired to make the most of every moment in retirement. Please check out the first 2 videos of this series. Retirement Fatigue? Strategies to reclaim your energy https://youtu.be/XG1AV4V6n84 Finding your passion and purpose in retirement https://youtu.be/13m990l5NfE Please join us on Facebook at www.facebook/com/groups/lifestartsatretirement

Retirement marks a significant life transition, presenting a unique opportunity to explore and rediscover your passion and purpose. While some of us may find ourselves struggling to identify our newfound direction, there are several effective strategies to help navigate this journey towards fulfillment and meaning. In this video we look at how dopamine can help you or hinder you in finding passion and purpose in retirement. We explore how we uncover what makes us happy, what we get excited about and what makes us excited to get up in the morning. Remember, the path to finding your passion and purpose in retirement is not always straightforward, and it may evolve over time. Embrace the process, be patient with yourself, and allow yourself the freedom to explore various avenues. Finding your passion and purpose in retirement can lead to a rewarding and enriching phase of life, where each day is filled with a sense of meaning and fulfillment.

Retirees often find themselves feeling tired due to a combination of factors. After years of working, the sudden shift to a more relaxed lifestyle can lead to a loss of structure and routine, resulting in fatigue. Additionally, the natural aging process may contribute to decreased energy levels. However, there are ways to overcome this tiredness and regain vitality. In this video, we'll explore some strategies that retirees can implement to combat fatigue and boost their energy levels. One common reason retirees experience tiredness is the lack of physical activity. During your working years, you may have been more active, either through job-related tasks or simply having a more active lifestyle. Upon retiring, the reduced activity level can lead to decreased stamina. Incorporating regular exercise into your routine, such as walking, cycling, or swimming, can help combat fatigue and increase energy levels. Sleep disturbances can also contribute to tiredness among retirees. Changes in daily routines, increased free time, or underlying health conditions can disrupt sleep patterns. Establishing a consistent sleep schedule, creating a relaxing bedtime routine, and ensuring a comfortable sleep environment can help improve sleep quality. Adequate restful sleep is essential for recharging the body and combating fatigue. Social isolation and lack of social engagement can lead to feelings of tiredness and fatigue in retirees. After retiring, individuals may lose the social connections and interactions they had in the workplace. It's important to actively seek out social opportunities, such as joining clubs, attending community events, or participating in group activities. By fostering social connections, retirees can combat feelings of tiredness and gain emotional support, which can have a positive impact on overall energy levels. Let's connect - www.facebook.com/groups/lifestartsatretirement

In this inspiring video, we delve into the art of creating a remarkable retirement that goes beyond the conventional. Join us as we uncover the secrets to infusing your retirement years with passion, purpose, and unforgettable experiences. From exploring new hobbies to nurturing meaningful relationships, we'll guide you through a fun process to help you design a retirement that truly reflects who you are and what you want to achieve. Get ready to embrace the extraordinary and make your retirement years the most remarkable chapter of your life! Don't settle for an ordinary retirement when you can have an extraordinary one. Watch now and embark on the journey of a lifetime. As mentioned in the video here is the link to the 4 phases of Retirement https://youtu.be/sELWGP7Iyus Please join our community at www.facebook.com/groups/lifestartsatretirement

In this video, I explore the concept of retiring with little income and share valuable insights on how to create a fulfilling retirement despite financial limitations. I understand that not everyone has had the opportunity to amass significant savings for retirement, and in this video I offer guidance and practical tips to make the most of what you have. We'll discuss how to save money, prioritize your needs, and identify potential sources of assistance or benefits that can help you maintain a comfortable lifestyle. By adopting a strategic approach and implementing smart financial choices, you can retire with dignity and make the most of your limited income. Throughout the video, I provide practical strategies to help you stretch your income and make it work for you during retirement. From creating a realistic plan that focuses on essential expenses to exploring cost-saving measures and alternative living arrangements, I cover various ways to reduce costs and increase your financial flexibility. My aim is to empower you with knowledge and inspiration, showing that even with little income, retirement can still be a chapter filled with joy, purpose, and financial stability. DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses. Please join our community at www.facebook.com/groups/lifestartsatretirement The best places to retire as per US News https://money.usnews.com/money/retirement/slideshows/the-best-places-to-retire Programs and services for Seniors in Canada - https://www.canada.ca/en/employment-social-development/campaigns/seniors.html

Happiness and contentment are at the core of a fulfilling retirement. But life doesn't always go the way we thought or the way we planned. When life throws us a curve ball there are many ways we can react. In this video I share a heartwarming story about life and some new lessons I've learned. One life lesson that has brought me immense joy is the power of gratitude and cultivating positive relationships. Expressing gratitude for the small joys in life and nurturing meaningful connections with loved ones can greatly enhance your overall well-being during retirement. Additionally, learning to let go of past regrets and embracing forgiveness and self-compassion can free you from unnecessary burdens and allow you to truly savor the present moment. When it comes to RETIREMENT 98% of the information online is about financial planning. But there is so much more to retirement than just money. Remember, retirement is a time to enjoy life, to try new things and create memories! Let's Connect - https://www.facebook.com/groups/738130833844116

Are you ready to learn the secrets of a successful retirement? In this video, we delve into the six essential habits practiced by retirees who have achieved remarkable success. Discover how their routines, mindset, and financial strategies have paved the way for a fulfilling and prosperous post-work life. From maintaining a healthy lifestyle to cultivating lifelong learning, these habits will inspire and empower you to make the most of your retirement years. Retirement doesn't have to be a time of idle relaxation; it can be an opportunity for personal growth and achievement. Get ready to embark on a retirement journey like no other! .------CONTENTS OF THIS VIDEO---- 0:00 - INTRO 0:43 - WILL I HAVE ENOUGH MONEY? 1:32 - RETIRE TO SOMETHING NOT FROM SOMETHING 2:45 - COMMIT TO BEING HEALTHY 3:45 - LIVE YOUR LIFE NOW 4:30 - RELATIONSHIPS, RELATIONSHIPS, RELATIONSHIPS 5:16 - POSITIVE ATTITUDE ✅ Subscribe to see our new videos https://www.youtube.com/channel/UCGha... Please join our amazing Facebook Group at https://www.facebook.com/groups/lifes.. . DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses.

What is life like after years of retirement? Today I discuss what we have found out about retirement including the realities and fears. I have discovered the stress is almost gone but I still worry about money. Health, both mental and physical are becoming more and more important. Discover the realities retirees face and gain insights on how to overcome these fears to make your retirement remarkable. I AM NOT FINANCIAL OR INSURANCE ADVISORS, AND AM NOT QUALIFIED TO GIVE FINANCIAL AND INSURANCE ADVICE. THIS VIDEO IS FOR INFORMATION AND ENTERTAINMENT PURPOSES ONLY. PLEASE SEEK OUT PROFESSIONAL FINANCIAL AND INSURANCE ADVICE BEFORE MAKING ANY INVESTMENT DECISIONS AND PURCHASING INSURANCE. LIFE STARTS AT RETIREMENT MAUREEN DOBRANSKI SUITE 803, 234-5149 COUNTRY HILLS BLVD NW CALGARY, ALBERTA T3A 5K8 Please consider subscribing https://www.youtube.com/@UCGhafB5XfQocC1UscKcEw6w Join us on Facebook at www.facebook.com/groups/lifestartsatretirement #lifestartsatretirement THANKS to AleXZavesa at Pixabay for the music

"Retiree's reveal their top advice of what they were glad they did in their lives!!" Retirement is often seen as a golden opportunity to finally pursue one's passions, reconnect with loved ones, and enjoy the fruits of a life well-lived. In this eye-opening video, we dive deep into the world of retirement happiness as shared by retirees themselves. Discover the top non-financial things that retirees commonly experience and gain valuable insights into what they were glad they had done! From taking care of themselves to neglected passions, this video will provide you with a greater understanding of the potential ideas to make your own retirement remarkable! I apologize for the quality of this video, it was made deep in the mountains of British Columbia, Canada with limited access to Internet. TIMESTAMPS 0:00 - INTRO 2:15 - CONNECTION 3:10 - RISKS 4:27 - WORRY 5:50 - HEALTH 7:03 - AGING GRACEFULLY As mentioned in the video, here is the link to the top regrets retirees have. https://youtu.be/eeAS16aQihM THANKS to Pixabay for the music! LET'S CONNECT Please join our amazing Facebook Group at https://www.facebook.com/groups/lifestartsatretirement

"Retirees Reveal Their Top Regrets: What They Wish They Did Differently" In this eye-opening video, we dive deep into the world of retirement regrets as shared by retirees themselves. Discover the top non-financial regrets that retirees commonly experience and gain valuable insights into what they wish they had done differently. From taking care of themselves to neglected passions, this video will provide you with a greater understanding of the potential pitfalls to avoid in your own retirement journey. TIMESTAMPS 0:00 - INTRO 2:18 - HEALTH 4:05 - WORRY LESS 5:57 - DO THINGS WHILE YOU CAN 7:00 - CONTINUE LEARNING 7:38 - CONNECTION 8:30 - EXPERIENCE LIFE As mentioned in the video, here is the link to the GO/GO, SLOW GO, NO GO PHASES OF RETIREMENT. https://youtu.be/4-_kDrQnwN8 LET'S CONNECT Please join our amazing Facebook Group at https://www.facebook.com/groups/lifestartsatretirement

Retirement is not just about money; it's about living a life that is in line with your values and priorities. In this video, you'll learn how identifying and understanding your personal values can help you create a retirement that is meaningful, purposeful, and fulfilling in every way. Please join our Facebook group at https://www.facebook.com/groups/738130833844116 Here is the values exercise I talked about in the video. It is a comprehensive exercise so please feel free to ask questions if you have one. I"d love to hear your values. file:///C:/Users/Maureen%20Dobranski/OneDrive/Public/Retirement/core%20values.pdf

In today's video you'll learn 5 things you can expect to experience when you retire! When it comes to RETIREMENT 98% of the information online is about financial planning. But there is so much more to retirement than just money. Although this video does mention financial planning, there are so many other things to think about and prepare for. But look no further! In this video, we'll share five tips for what you can expect when you retire. TIMESTAMPS 0:00 - INTRO 1:20 - REAL LIFE 3:43 - GONNA LIST 4:44 - FINANCIAL PLANNING DOESN'T END 6:16 - MARKET FLUCUATIONS 7:20 - TIME SPEEDS UP LET'S CONNECT Please join our amazing Facebook Group at https://www.facebook.com/groups/lifes.. .

Inflation can have a significant impact on retirement income, causing retirees to dip into their savings faster than anticipated. In this video, we explore how inflation affects retirement and what you can do to prepare. TIMESTAMPS 0:00 - INTRO 1:18 - INFLATION RATE 1:15 - WHAT IS INFLATION 3:58 - RULE OF 72 4:32 - REVERSE OF RULE OF 72 5:32 - WHAT DOES THIS MEAN TO YOU DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses. Subscribe to see our new videos @Lifestartsatretirement We would love to have you join our Facebook Group at www.facebook.com/groups/lifestartsatretirement

Happiness when you retire is something we all strive for, but it can often feel elusive. In this video, we share expert tips and advice to help you unlock the secrets to happiness. From cultivating gratitude and mindfulness to finding purpose and meaning in your life, I provide valuable insights and strategies for living your best life and finding true happiness. Retirement is often considered a time to relax and enjoy life, but it can also come with its own set of challenges. Check out these 5 secrets to finding happiness after retirement. CONTENTS OF THIS VIDEO 0:00- INTRO :46 - BE HAPPY WHERE YOU ARE 2:23 - COMPLIEMNT SOMEONE 3:33 - PRACTICE GRATITUDE 4:12 - SMILE 5:55 - BE IN THE MOMENT

In today's video you'll learn 5 reasons why you'll want to retire as soon as you can. When it comes to RETIREMENT 98% of the information online is about financial planning. But there is so much more to retirement than just money. And how will you know when the time is right for you to retire? But look no further! In this video, we'll share five tips for how you will know its your time to retire. TIMESTAMPS 0:00 - INTRO 1:07 - HEALTH 3:10 - TIME 4:12 - FRIENDS AND FAMILY 5:25 - FULFILLMLENT 7:10 - TIME VS MONEY LET'S CONNECT Please join our amazing Facebook Group at https://www.facebook.com/groups/lifes...

"Retirement: A New Chapter in Your Life": Retirement is often seen as the end of one chapter and the beginning of another. In this video, I discuss the various changes and transitions that come with retirement, from redefining your sense of purpose to adjusting to a new routine and lifestyle. Please join our amazing Facebook Group at https://www.facebook.com/groups/lifes... DISCLAIMER: I’m not a financial adviser. These videos are for educational purposes only. No official financial advice is being given. Please always check with a professional before making any investments or financial decisions. Your investments are your sole responsibility, these videos merely share my own opinions with no guarantee of gain or losses. --------CONTENTS OF THIS VIDEO------ 0:00 - INTRO 1:27 - RETIREMENT HISTORY 2:35 - PHASE 1 3:47 - PHASE 2 5:00 - 3 D'S OF RETIREMENT 8:30 - PHASE 3 9:45 - PHASE 4