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for more time to connect with friends and family, and to do the activities you love. Stepping away from your career can also reduce your stress level and free you from the burden of having competing priorities. However, saying goodbye to your workplace, business associates, day-to-day responsibilities and regular paycheck may trigger anxiety and sadness. This is especially true for those who’ve enjoyed their professional status and Navigating Your First Year fulfilling career. in Retirement If your spouse or significant other is already at Like most Americans, home, either as a homeyou’ve probably spent years working to achieve maker or first retiree, recognize that your new the retirement of your lifestyle may cause similar dreams. Then there emotions for this person. comes a point when this career milestone changes Imagine your reaction if he or she were retiring to from a distant goal to an imminent reality. You can your “office.” The change make your first year away would mean a departure from work more rewarding from your schedule and habits, even if it means and less stressful when you take the time to antici- more time together. pate potential challenges For those experiencing mixed feelings, it’s helpand prepare for how you ful to acknowledge them, will handle this important both to yourself and a life change. partner or trusted friend. Remind yourself why Your state of mind you chose to retire and In your first weeks as a new retiree, it’s normal to remember all that you accomplished to reach this feel both excitement and point. trepidation. You’re eager
Your purpose With your calendar clear of work obligations, it’s important to identify a few ways to fill your time. To start, keep the promises you’ve made to yourself, your spouse or others about what your retirement will include. For example, if you’ve promised distant relatives that you’ll reconnect, then organize a reunion. Set a date to fulfill your dream of visiting France’s wine country or find an instructor who can teach you to play the piano. Alternatively, you may decide to pursue an encore career, part-time job or an opportunity to open your own business.
easier, create a plan for how you will pay yourself in retirement. Start by tallying your income sources before determining which ones you’ll tap into first. Next, estimate your cash flow for year one. Planning this in advance can help ease worries and reduce your risk of overspending. As a benchmark, have enough cash to cover three years of potential unexpected expenses. Once you’re in retirement, monitor your cash reserves regularly to gauge your spending and make adjustments as needed. If you’re uneasy or need reassurance that your income and cash flow plans are sufficient, meet with a financial advisor. Together you can look at the impact of taxes, evaluate your portfolio diversification and prepare for the legacy you’d like to leave your community and family.
With all your new possibilities, it’s important to avoid overcommitting yourself. Give yourself some breathing room in each day and ease into volunteer organizations or activities. Now that you have the freedom to do so, be sure that you’re choosing to spend your Becoming a retiree means time in ways that are most enduring a lot of change. gratifying to you. Although you can’t prepare for every challenge Your finances and opportunity you might Adjusting your mindset face in your first year, from building your nest planning for what you egg to spending it can can control allows you be challenging. To make to move into this new life your initiation to retiree life stage with confidence.
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Duane J Lusson, CFP, ChFC, CLU, MSFS, is a Private Wealth Advisor with Ameriprise Financial Services, Inc. in Ottumwa, Iowa. He specializes in fee-based financial planning and asset management strategies and has been in practice for 30 years. To contact him, call 641-684-4200 or stop by his office at 527 W. Second in Ottumwa, Iowa. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value. Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation. Ameriprise Financial Services, LLC. Member FINRA and SIPC. © 2021 Ameriprise Financial, Inc. All rights reserved. File #3942404
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SALE
YEAR’S
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Lay-Flat Lift Chair
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IN STOCK AND READY FOR DELIVERY OR PICKUP in Black
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Recliner with Ottoman in camel
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875 2999 875 FREE 875 36 MONTHS INTEREST
Chocolate
in Grey
NEW Upholstered YEAR’S $ Headboard
SALE Upholstered Headboard
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385
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958
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EADY FOR DELIVERY OR PICKUP
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subject to credit approval. PAGE see store for details.
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958
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in black leather
ALE
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Upholstered Headboard in herringbone linen
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485
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63’’ TV Console MARSHALLTOWN 111 W. Main St. (641) 753-6627
1926
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62’’ TV Console with fireplace
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Recliner with Ottoman
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1398
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in camel Pub Chairs
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875
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Recliner with Ottoman
485
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Lay-Flat Lift Chair
with fireplace
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1255
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Recliner with Ottoman
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OTTUMWA 1020 North Quincy Ave.(641) 684-6561
MCGREGORSFURNITURE.COM Offers do no apply to previous purchases. This offer cannot be used in conjunction with any other offer. Not redeemable for cash. Special 36 months financing is available. See sale associate for details. Some restrictions may apply. Although every precaution is taken, errors in price and/or specifications may occur in print. We reserve the right to correct any such error.
SALE PRICE
MARSHALLTOWN & WATERLOO HOURS:
1396
$
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