RA Retirement Advisors

RA Retirement Advisors Retirement fulfillment consultancy. Helping boomers successfully transition to life after work.

Happy New Year! Thanks to all for your support and encouragement with my efforts in helping people successfully transiti...
01/01/2023

Happy New Year! Thanks to all for your support and encouragement with my efforts in helping people successfully transition into life after work.

It makes my day when I learn I’ve helped someone find purpose and fulfillment.

All the best for an enjoyable and positively challenging year. When creating your 2023 to-do list, remember to add ’ bui...
12/31/2022

All the best for an enjoyable and positively challenging year. When creating your 2023 to-do list, remember to add ’ build my vision of retirement & actions to make it happen’.

For ideas & tips, visit

Don’t Just Retire – Live It, Love It! Rick Atkinson helps people plan and realize their best retirements. He is president of RA Retirement Advisors, author of several books, a retirement coach, workshop facilitator, and a sought-after speaker. He is Mr. Retirement. What I do​ I am dedicated to...

Concerned about retirement?Build your confidence by taking my 10-module self-directed Strategies for Retiring Right! cou...
09/10/2022

Concerned about retirement?

Build your confidence by taking my 10-module self-directed Strategies for Retiring Right! course. For only $77, receive descriptive materials, videos, exercises, quizzes, true stories, retirement model plans & more.

Course will help you create your realistic vision of life after work & plans to make it happen.

Be successful in retirement. Live an enjoyable, fulfilling, & purposeful life.

Sign up today! Visit www.whencaniretire.ca.

Don’t Just Retire – Live It, Love It! Rick Atkinson helps people plan and realize their best retirements. He is president of RA Retirement Advisors, author of several books, a retirement coach, workshop facilitator, and a sought-after speaker. He is Mr. Retirement. What I do​ I am dedicated to...

05/23/2020

Caring for Parents
In the age of COVID19, for many the question is obtaining potential need of caring for an aging parent. Can you get them help at home rather than placing them in a senior living accommodation.
If you have a senior parent, how do you go about finding the most suitable person who will assist with the care and comfort of your loved one? Here are steps to finding the right candidate.
Step 1. Advertise. A simple ad could read as follows: 'Female needed part-time for personal care and housekeeping for older disabled woman. Flexible hours. Call .... after 7 p.m."
Step 2. Screen candidates. Before arranging an interview, create a job description and make sure to ask questions so that the person applying understands the basic duties and schedule. In addition, be ready to provide information on (a) hours; (b) days and times; (c) specific duties including driving, if applicable; (d) salary and benefits; (e) others (i.e. non-smoker; must speak fluent English).
Step 3. Prepare interview questions designed to evaluate the candidate, Here is a sample of possible questions:
Tell me about yourself, your interests & hobbies
Where have your worked before? Do you have experience working with an elderly or disabled person?
What made you choose this kind of work?
Do you have any health or physical problems that might hinder you on the job? (ask about lifting, bending, ability to drive, etc.)
What other obligations do you have (i.e. school, part-time job) that will affect your schedule?
Step 4: Evaluate the candidate. Take time to note your impressions, concerns and gut feelings. Ask yourself: did the person arrive on time?; Did we agree on the duties and schedule"; Did the person provide references?
Step 5: Check reference. Once you have narrowed your choices, be sure to check the background of each candidate.
Step 6: Select the candidate and offer the position. Hiring a home care worker requires patience and trust, and your instincts will be important. The time invested in screening candidates and checking references will greatly improve your choices of finding someone whose qualifications meet your care giving needs.
Once hired, ensure your home care worker has all the critical information and documentation that may be needed in an emergency such as: health card number; name and contact information of your parent's family doctor; list of allergies and medications; medical history; name and contact information of next of kin; name and contact information of the substitute decision maker; contact information for the Power of Attorney.
The decision to hire a home care worker is not an easy one. The more you and your spouse discuss the options in an open and trusting way, the better the decision and its acceptance. Include your parent in the discussions and get his/her suggestions. Also as part of the discussions, explore placing a loved one into a nursing home or have a parent come live with you. Be sure to consult with family members and knowledgeable community advisers before making your final decision.

Naming an ExecutorIn today's world with covic19, more and more people are considering their will. As part of your estate...
04/22/2020

Naming an Executor
In today's world with covic19, more and more people are considering their will. As part of your estate planning, give special consideration to naming an executor. Your executor acts as your estate's legal representative. The normal responsibilities of an executor are as follows:
- Locating your original will and documents amending your will
- Confirming with your lawyer that it is valid
- Securing inventories and appraising your valuables and assets
- Participating in your funeral arrangements and if necessary, notifying your next of kin
- Protecting your property including the continuation of fire and theft coverage
- Hiring a lawyer to obtain probate, if necessary
- Identifying debts, pays all bills, taxes and creditors
- Getting investment, legal, business and tax advice
- Distributing your assets according to your wishes, to your beneficiaries

When choosing an executor, consider the following:

1. Choose a family member if possible. Family members are normally motivated to work quickly and some will do so without a fee. Executors can charge up to 5% of your estate for their time and effort.

2. Assess your particular needs. Do you operate a business; have substantial investments or rental properties. If so, you may need an executor with special skills.

3. Consider your long and short-term goals. The ex*****on of most estates can be completed in less than one year. However, if you have a disabled beneficiary, you may need to protect his/her inheritance on a long-term basis. This may require an executor who is prepared to undertake the role for a lengthy period of time.

4. Avoid conflicts of interest. Don't try to patch up family feuds by forcing relatives to work together as executors and don't ask your financial advisor to be your executor as he/she may be in a conflict of interest.

5. Name a back-up executor. Give consideration to naming a back-up executor who would take the place of your executor if for some reason, your originally named executor cannot fulfill his or her duties.

6. Ask for consent in advance. Before you invest time with your lawyer preparing your will, get your proposed executor's verbal consent. Professional executors, such as a trust manager, will normally consent in writing and at the same time, confirm the fees to be charged.

Sign up for my free newsletter. rickatkinson.ca.

Staying Healthy Now and In RetirementMany people contemplating retirement believe it is a time to throw you cares away, ...
04/09/2020

Staying Healthy Now and In Retirement

Many people contemplating retirement believe it is a time to throw you cares away, just relax and smell the roses. True,retirement is a time when you focus on yourself and it's a time when work priorities change. However, keeping healthy should be part of every person's journey into retirement - especially with the onslaught of Covis 19.

Being healthy means having good physical, mental and spiritual well-being. The interesting thing is when you are well you have a feeling of vitality and personal confidence. And when you are unwell, you feel tired, lethargic and down in spirit. Building a strong sense of wellness means spending time assessing your current state of health and asking, "What can I do to improve my well-being?"

Obviously you need to get regular physical checkups and work with your doctor in developing a wellness plan that makes sense for your age and body. You need to create and follow a regular physical exercise routine. You need to eat the right foods in the right proportions and develop a healthy frame of mind.

Realistically, you cannot stop the aging process but you can slow it down. By taking control of your wellness, you can reduce the risk of some serious diseases. You can increase the odds of living longer, reduce the amount of money you pay out in medical costs and improve the quality of your life. You can influence the course of your own health and life by educating yourself, staying active, and following practical and sensible health and nutrition guidelines.

What are you doing to keeping yourself healthy?

Sign up for my free retirement newsletter. Visit: www.rickatkinson.ca

Self-Isolating?  Want Something to Do?  Start Your Retirement Planning!There is life after self-isolation and surviving ...
03/30/2020

Self-Isolating? Want Something to Do? Start Your Retirement Planning!

There is life after self-isolation and surviving the pandemic. After watching TV for hours, e-mailing or talking with friends, playing solitaire for the 50th time,why not think about life after work.

When most people think about retirement, they imagine leaving a job they dislike, dropping out of the rat race and turning their back on the pressures of employment. They often see retirement as a welcome change or an escape to something more peaceful and serene.

Well, you've now had a dose of peace and serenity staying at home. How does it feel? Miss the routine of the office or job site? The camraderie at coffee or lunch? Losing contact with friends? These are not just limitations to self-isolating, they can also be inaction experienced when retired.

So what do you want to do about it? Most of us retiring today will live another fifteen, twenty, thirty years, or more. Retirement could be your second longest period of life. Considering this fact, I have a question for you: Will you create the best retirement you can, or will you let your retirement years just happen to you?

Unsuccessful retirees are like the hundreds of thousands of those who today are bored, with little to do that interests or engages them, and time begins to weigh heavily on their shoulders. Many experience increased frustration and disappointment, caught up in a vortex they cannot or will not escape.

What about the successful retirees? Like the people who are taking self-isolating in stride, they have a clear concept of what makes for a well-rounded, holistic, happy and stimulating retirement. Many acquire that information from people who are already living a successful retirement. What's more, successful retirees apply that information in two key ways:
1. They build their own realistic and well-rounded vision of retirement
2. They create and implement a plan to make it happen!

Just like those who are successfully self-isolating, they are concerned with their health and well-being. They have an exercise regime, eat healthily, use stress-busting programs to manage change, and give thanks for friends and family. They also build and implement a household and personal budget to help control spending. They create a balanced leisure lifestyle which includes: entertainment, learning, virtual social activities and hobbies.

They are foster good communications with their spouse/partner and recognize the space needs of others. They think ahead about living accommodations, their legacy and a host of other topics which are part of planning for retirement.

I urge you now to visualize what "retirement" means to you. Find a quiet place to just think!

Two elements of holistic retirement planning are often particularly helpful for visualization:
1. Picture yourself waking up ... What happens next? How do you spend your time?
2. Picture your surrounding ... Let your mind's eye include your current home, an imagined home, a current or imagined vacation home, visiting familiar and unfamiliar places or people. Where do you spend your time?

Here are some questions that can also help you get started:
- Do you look forward to going to bed and getting up whenever you want?
- Do you want to spend more time with your children, grandchildren, or partner?
- Do people in your life have certain expectations of you once you retire?
- Does retirement mean leaving work you love and/or co-workers you consider friends?
- Do you look forward to having more time to take care of yourself?

Keep notes of your thoughts and ideas as you begin your life after work. Talk to your spouse/partner and get their input.

For more tips on how to create the best retirement for you, visit my website: www.rickatkinson.ca. Also, as an assist, order my workbook, The Strategies for Retiring Right! An Abridged Workbook. Contact me at [email protected].

If you are between the ages of 45 to 65 and want a happy and stimulating retirement or are already retiring looking to add a little sizzle to their 'golden years', let RA Retirement Advisors help you build a personal retirement plan to enhance your life after work.

We offer books: (Strategies for Retiring Right! & Why Me? and No Gold Watch!); workbooks (The First Step! & Strategies for Retiring Right, an Abridged Workbook); free newsletter; facebook (retirement planning) discussion group; speaking & workshop services; plus one-on-one coaching.

For information, 416-282-7320.

How to Survive Self-Isolation (Especially with your Spouse/Partner)By Rick AtkinsonSelf-isolation is now part of battlin...
03/23/2020

How to Survive Self-Isolation (Especially with your Spouse/Partner)
By Rick Atkinson
Self-isolation is now part of battling the Coronavirus.

Our society is experiencing a pandemic caused by the spread of the Coronavirus, something we've never seen before. As an action step to curb the pandemic's effect, we're being asked by authorities to self-isolate in our place of residence.

For many, we’re living with our spouse/partner, and other family members twenty-four, seven. The close quarters, abnormal anxiety, and unfamiliarity of constant chatter or long periods of silence can be unnerving, and bothersome. As a result, tempers may rise, impatience flares, and negative comments can be made.

So how can we successfully navigate our new surroundings?

Let's step back and think about our relationship with partners/spouses before the Coronavirus pandemic. The average couple normally doesn’t spend a lot of time together. As partners, we are busy making a living, raising a family and fixing up a home. In a recent survey, it was found the average married couple spends only three or four hours a week together, without the children, and that may be collapsing on the couch and watching TV.

Due to today's hectic pace, each partner tends to develop his/her schedule and routine around their work, family and home demands. Then an experience like the pandemic comes, and we're forced into close proximity with those we love.

However, a time together filled with good times is not something that just happens. Like all other aspects of life, it requires planning and effort. As part of your plan, it's important to recognize that you and your partner have built up your own space and privacy needs. Each of you needs time to pursue your interests, hobbies, tasks and just 'chill out alone.' One train of thought is if you were apart from your partner eight hours a day during your regular working days, you should plan to be apart approximately four hours a day when in self-isolation. This enables each partner to have his/her own time and space. Be sure to talk with each other about your individual needs and agree on how those needs can be successfully fulfilled.

June and Rob agreed that when in self-isolation, in the mornings, June would indulge in her hobby – oil painting and Rob would work in the garage or do yard work. The couple agreed that they would have lunch together and then, again 'do their own thing' until five o'clock when they'd have a social drink, make dinner and spend the evening together playing board games or watching their favourite TV programs.

You and your spouse need to tell each other what living together means in terms of roles and responsibilities. By doing this, you create a mini job description; it can outline dates, duties, responsibilities and authorities.

Before Mike and Janet began their self-isolation, they discussed who would be responsible for what when restricted to their home. It was mutually decided that Mike would do the emergency grocery shopping and garden raking. He would make the bed each morning, prepare for dinner and several other domestic chores. As part of the division of duties, Janet would do the cleaning and vacuuming, washing and drying of clothes, folding and ironing. They agreed that household decorating would be done together. This sharing of responsibilities assisted Mike and Janet build a harmonious working relationship without one partner feeling he or she is doing the lion’s share of the work.

For some couples (and families), however, there is no prior discussion about what self-isolation means to them and who will take care of the numerous life tasks. This often leads to disastrous results.

Paul is a senior manager for a transportation company and is used to telling others what he wanted and by when. His wife, Paula, is a successful advertising executive. When they self-isolated, both looked forward to some downtime and spending time together in their garden. However, three days into their isolation, Paul began to criticize Paula's housekeeping and cooking. Paul's nitpicking continued until one day Paula got so angry she stormed out of the door and sat in the family car for four hours. Paul was shocked when he got a text from Paula that she may stay at a friend’s place for the duration of the pandemic.

The essential elements of a happy relationship are feeling valued, being appreciated and loved. When a couple (or family) lacks any one of these positive feedbacks, the relationship suffers and the partners drift apart. Accepting the status quo wears away at a couple's intimacy and bond.

Though it is easy to take each other for granted, the preparation for long periods together provides you and your spouse an opportunity to assess and enhance your relationship. Are you thoughtful? Do you express appreciation? Have you a sense of fun and adventure? These traits, among others, add to the quality of your relationship and the satisfaction level between you and your partner.

Don't fall into the trap of believing if your partner isn't complaining; everything must be okay. Keep the communication lines open and take the time to listen to your spouse. Encourage discussion about each other's issues and concerns with the mindset of finding solutions.

If you tend to be indifferent about your appearance thinking it's not a big deal, take the time and make an effort to look good – even when lounging around the house.

To add spice to your relationship, do little things such as saying ‘thank you’ to recognize what he/she does for you and your relationship. Spend quality time together and share fun activities. Relationships are like a garden. They require regular care and feeding if they are to grow and become fruitful.

Exercise:

List some acts of kindness and appreciation you can do for your spouse to let him or her know how much you love them (i.e. make the coffee/tea in the morning, help with meal preparation, or wash his/her car)

Little Acts of Kindness
____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________

Subscribe to Rick Atkinson’s Retirement Newsletter for news and advice about how to build your best retirement at www.rickatkinson.ca.

Stressful Week - How Do You Cope with Stress?I don't know about you, but this past week has been very stressful. The str...
03/21/2020

Stressful Week - How Do You Cope with Stress?

I don't know about you, but this past week has been very stressful. The stress is originating from actions we all need to take to combat the coronavirus (i.e. constantly washing hands, regularly using sanitizer wipes and sprays, closure of schools, businessses and entertainment centers, etc.)

Then there is social isolation and social distancing, something we're not used to. As a part-time college professor, learning how to present my lectures on-line and mark papers electronically, rather than receiving hard-copies is challenging.

Along with our worries, the question of 'Will I have a job?", "How do I pay my bills?" "Will my benefits be affected?" "How soon will announced Government programs kick into place?" "How do I explain to my kids what's happening including 'no play dates'?"

To cope with my stress I'm trying to maintain my exercise program (my gym is closed) by walking at least 30 minutes daily. I'm also practicing deep breathing (taking a deep breath through my nose, holding it for ten seconds and releasing it slowly through my mouth. I repeat the process for five minutes. And my favorite, thinking of a sunny beach in the Caribbean. For the most part, the use of these techniques for me helps reduce my tension and lets stress slip away.

One other stress reliever for me is 'trying' to reduce watching the TV news to twice a day - once in the morning and one time in the late afternoon. This one needs more practice!

What are you doing to reduce or eliminate your stress? Your ideas may help others in this 'weird' time in our life.

Thanks for your ideas.

Subscribe to Rick's free newsletter (www.rickatkinson.ca)

03/12/2020

Your Choice: Retirement Successful or Bust!

Successful retirees build their own realistic and well-rounded vision of retirement. They create and implement a plan to make it happen.

In my most recent book, Why Me? And No Gold Watch!, I assist you in doing the same. The book outlines the issues you need to address, and it covers best practices. It is my intent to provide you with insight and direction without compromising your own decision-making.

To spotlight the learning, you'll look at Sally McBride, a fifty-seven-year-old employee at Benson & Sons who will be involuntarily leaving her position as a senior marketing associate due to an organizational restructuring.

Throughout the book, Sally, her friend Thelma Brooks and others will be referenced to help you to explore the knowledge, thoughts and insights I've gleaned from interviews with hundreds of successful retirees.

So now the choice is yours. You can sit and wait for whatever comes along or you can tackle the challenges and opportunities of retiring successfully. Will you reserve your place in the rocking chair or grab the brass ring of retirement life?

Why Me? And No Gold Watch! is available from Amazon, Barnes & Noble, Indigo Books & other book sellers.

www.rickatkinson.ca

Retirement - Are You Prepared?In a world in which one in five people can expect to live beyond their 90th birthday, gove...
03/01/2020

Retirement - Are You Prepared?

In a world in which one in five people can expect to live beyond their 90th birthday, governments in many countries are coming under increased strain to meet the costs associated with an aging society.

Traditional ways of looking at retirement are also changing. People see retirement as an active stage of life in which they aspire to stay socially connected, involved in their communities, and continue to work in some capacity.

Employers can help prepare their employees for life after work. Employers play a significant role in designing a workplace environment that helps to stimulate greater savings, healthier lifestyle choices and the opportunity for employees to transition to retirement. Everything from offering automatic enrolment in employer retirement plans, workshops and lunch 'n learns on strategies for retiring right, establishing health and wellness programs to offering the option to move from full-time to part-time work.

In my books, Don't Just Retire - Live It, Love It!; Strategies for Retiring Right! and Why Me? And No Gold Watch!, I elaborate on lessons learned from successful retirees including (a) how to construct a realistic and well-rounded vision of retirement and (b) plans on how to make your vision happen!

The models of a successful retirement contain the knowledge, thoughts, and insights I've gleaned from interviews with hundreds of successful retirees.

So now the choice is yours. You can sit and wait for whatever comes along, or you can tackle the challenges and opportunities of retiring successfully. Will you reserve your place in the rocking chair or grab the brass ring of retirement life?

www.rickatkinson.ca

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7 Blue Anchor Trail
Toronto, ON
M1C3N9

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