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The Retirement Power Hour
The Retirement Power Hour
Creating Your Retirement Identity w/ Wendy Green
In this episode, Host and CERTIFIED FINANCIAL PLANNER™ professional Joe Allaria is joined by Wendy Green, the Founder and Host of the "Hey, Boomer" podcast, and the two discuss Creating Your Retirement Identity.
Recent retirees can often find themselves in a retirement identity crisis after using their title as a defining adjective for who they are for so many years and then having that title anymore. Tune in to hear more about different ways to frame your identity both prior to and during retirement.
Listener Question
You'll also hear an answer to Dale's question, which is regarding what health insurance alternatives exist for those that wish to retire before they are eligible for Medicare at age 65, but still need health insurance.
Resources Mentioned in the Show
Submit Your Questions
To submit a listener question, visit our website HERE and enter the details of your question.
Disclaimer: All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an Investment Adviser Representative of CarsonAllaria Wealth Management, a Registered Investment Advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but CarsonAllaria Wealth Management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.
Welcome everybody to the Retirement Power Hour. My name is Joe Allaria , and this is episode 16. Today we are going to be talking about creating your retirement identity. And I am going to be joined in just a bit by Wendy Green, who I will share more about in a minute. And we're going to be talking about the unique challenge that people face as they transition from their working career to retirement and how sometimes it can even cause us the question who am I really now that I don't have my job, now that I'm not in my career anymore? So that is going to be an awesome conversation with Wendy. But before that, I would like to share a listener question from Dale about health insurance prior to age 65. He writes, Hello, I'm 62 and my wife Brenda is 59. We currently have health insurance through my employer, but I plan to retire in 2023. I will receive employer coverage until I reach Medicare eligibility age. My wife would like to retire as well, but my concern is where will she get health insurance coverage until she's 65? She's thought about approaching her employer to ask if she can work part-time and keep her coverage until she is 65. Are there any other options? Well, Dale, this is a very good question. And it's one that a lot of people think that they do have to keep working until 65 for the health insurance, even if they don't need to work for financial reasons to save more money. Maybe you have more than enough saved up, but people oftentimes still think they need to continue to work for the health insurance. And so let me let me help you here and let me help anyone else who might be in this position, because there is another option, and it's to simply get health insurance through healthcare.gov or the exchange. You can go to healthcare.gov and then search for plans for your zip code, and you'll see that you can get individual health insurance coverage. If you're not quite 65, you can get coverage through the exchange, through healthcare.gov, depending on your specific state, you'll have to enter that information. And you'll see that there are health insurance plans available in your state that are not Medicare, but they are not employer plans. Now, a lot of people think, well, geez, I've heard these plans are really expensive. They can be, but it it really depends on your income. So because we now have tax credits that relate to our income where health insurance is concerned, there's a chance if you if you don't have high income that you would actually get tax credits because of that, that would help you to pay for your health insurance. So if I apply for health insurance and I'm extremely high income, even though I'm retired, and maybe you and your wife are both retired if you still have a lot of income, then you're gonna pay most likely full price for your health insurance coverage. You know, if you make a few couple hundred thousand dollars a year or something like that, you'll pay full price. But if not, then you will get a reduced premium offered to you. And that's all part of the Affordable Care Act that was passed a few years ago. This is to help individuals get insurance at a more affordable rate through the issuance of tax credits, which are based on your income. So you have to go in. I just Googled healthcare.gov insurance quotes, and that took me right to the page I needed to be. But if you go to healthcare.gov, the main page, and then you want to click get coverage, then get health plans and prices. That's where you can enter your zip code, enter your information, your income, and it will explain to you and show you the plans that are available to you in your area. So you don't need to make your wife keep working, Dale, until she's 65. She can retire. If you guys are financially stable and financially independent at this point, then she can retire. You can have your coverage, she can get coverage through healthcare.gov until she's 65. And she will want to get on Medicare, of course, when she is 65. So I hope that was helpful, Dale, and for anyone else that may be in that same situation. And everyone else, don't forget to go to retirement powerhour podcast.com if you have a question that you would like me to answer on a future episode. Just go to the website, retirementpowerpodcast.com, click submit your question, fill in the details, and I will do my best to get to it on a future episode. While you're there on the website, you can also request your very own complimentary retirement assessment by clicking work with me and scheduling the first step, which is just a 30-minute phone call with me, so that you can share some of your details and we can help you figure out are you on track to retire? Are you on track to outlive your money? And what are some opportunities that you could take advantage of, whether it be investments, whether it be taxes, whether it be retirement in general, Social Security, Medicare, that is where you'll get those answers by requesting your complimentary retirement assessment. So do that on the website at retirementpowerhourpodcast.com, and you can access all the past resources from our other shows as well. So with that, I am excited to welcome our guest, Wendy Green, who is the founder of Hey Boomer, the host of the Hey Boomer Podcast. And we are going to be talking about creating your retirement identity. Wendy is not only the host of the Hey Boomer podcast, but she is also a coach. She likes to call herself a transitions coach, but she specializes in working with people as they make the transition from their working years to their retirement years. And we are going to be talking about the unique challenges that people face as they exit their career and as they enter this new phase called retirement. With that, I hope you enjoyed this interview with Wendy Green on creating your retirement identity. Enjoy. Welcome everybody to the Retirement Power Hour Podcast. My name is Joe Allaria. This is episode 16, and I'm going to be joined today by Wendy Green. Wendy is the founder and the host of the Hey Boomer podcast. She is also a transitions coach, focusing mainly in the transition from working to retirement. Wendy, thank you so much for coming on the show and talking with me today.
Wendy Green:So I'm so glad to be here, and thanks for inviting me.
Joe Allaria:Well, I'm looking forward to this topic. It's not one that is extremely financial in nature. And I like to mix it up on our show. And we talk about financial strategies quite often, but we also talk about the lifestyle part of retirement. Why? Because that's a huge part of retiring better. It's not all money, it's not all financial. So we are going to talk today, Wendy, about creating your identity in retirement. As I'm interested to hear your viewpoint because I know that you talk to a ton of people. You have had sort of a transition yourself, but you've spoken to a lot of people that have gone through this transition, working to retirement or working to the next phase, which is maybe a better term. And we'll get into that here in a little bit. I've also seen this working with people that are planning for retirement from a financial point of view. And they at times struggle to find their feet as they hit that new phase. But I don't want to take away our thunder. Wendy, the first question I have for you what is the biggest misconception about transitioning to retirement?
Wendy Green:Joe, I'm glad you asked that. And I'm glad we're focusing on identity because that is certainly one of my favorite areas to talk about. But I think what happens is we've been sold this idea that retirement means a complete life of leisure. And a lot of us, that's what we've looked forward to. We are burned out by the time we're done with 40, 50 years of work. We just want leisure. And those first couple of weeks, maybe the first couple of months of having time with no alarm clock going off and no endless meetings and all these deadlines and all this stuff, we're like, oh, this is fabulous. And then we hit that time where we're saying, oh my gosh, today is like yesterday, which was like the day before. And what am I gonna do today? I've played golf every day or I've visited my grandkids, I've done all these things. But we're so used to having a routine, a schedule, things that make us feel useful and meaningful. And without that, it starts to seem like the days are getting longer and longer. We are getting less vibrant. We are feeling like, where is our purpose? Why are we getting up in the morning? Oh, I could sleep another couple of hours. That's not the life we want to live for the next 20 or 30 years. So I think the misconception is oh my gosh, this is gonna be great, all this leisure time. And yes, we don't know how to just do leisure.
Joe Allaria:100%. I've said this on our podcast. I like to play golf, but I can't imagine playing golf every single day of the week for eight hours a day, or at least five days a week for eight hours a day. My body could not hold up to that pace. And it's something I really like to do, but there's gotta be something that fills the rest of that time. I can already see that in my own life, but I also sit across from retirees all the time. I often ask them, I encourage them before you retire, make sure you have a plan for what you're gonna do every day because hunting, fishing, golfing don't generally take up.
Wendy Green:Well, and you know what's true also, Joe, is a lot of times people that have had really high stress, high-powered careers, they didn't have time for hobbies. No, and so when they maybe they played golf because that was the business thing to do. You had meetings on the golf course, but they don't know what to do. They don't have those hobbies and interests that you spoke of. And so it's a whole discovery of what they left behind, what they might be interested in, what they could get involved in now.
Joe Allaria:Yeah, it's a whole new set of options that that we have to deal with. Whenever we transition to, I say retirement offline. You kind of mentioned you didn't like to use that word, and I'm gonna dovetail off for a moment and ask you to elaborate on that if you could.
Wendy Green:So the dictionary definition of retirement means withdrawal when you get old. So I have a problem with both of that, you know, because full disclosure, I'm 69. I don't think I'm old, I don't feel old. I'm certainly older, which is where all of us are heading, if we're lucky, is to be older. But when you think about old, you think about decrepit, you think about unable and run down and then withdrawal. Like, no, I still have a lot to contribute to society, to my family, to my neighborhood, my community. So I'm not withdrawing, I'm totally engaging. And the cool thing is at this stage in our lives, when we're not fully committed to a career, we can engage so much more because we have the time and the flexibility.
Joe Allaria:Absolutely. So I want to lead into the next question, which is we're talking about identity. And why do some people find themselves in an identity crisis when they retire or when they transition out of their career to the next phase?
Wendy Green:Well, if you think about it, all our lives we've had our roles defined for us, our identity defined for us, right? When we were little kids, our identity was we were our parents' children, we may have been siblings, we were students in school, maybe we were an athlete or a performer. We move into the work world, and we're then defined by our titles, right? So if someone says to you, What do you do? you're saying, Well, I'm an accountant or I'm a podcast host, or I'm a, you know, I'm a performer or I'm an HR professional or whatever. You define yourself by your title.
Joe Allaria:Right.
Wendy Green:And suddenly the title is gone. And when you meet people out in public and they don't know you're retired, they may say, Well, what do you do? And we interpret that to mean, who are you? And that's where the identity crisis comes in because who am I now? That I'm not my title.
Joe Allaria:Sure.
Wendy Green:Who am I now? And so that's a big time of reflection and struggle to figure out when when I do this with my group in the group coaching, they struggle, you know. Well, I I guess I'm a spouse or a parent. Yeah. Okay. So what else? And they just they get stuck.
Joe Allaria:Yep.
Wendy Green:They get stuck. Who else am I?
Joe Allaria:When you're working, I'm guilty of this. I go meet someone new. Hey, John, how you doing? I'm Joe. Well, what do you do?
Wendy Green:Right.
Joe Allaria:And that's I don't know why, but that's just one of the first questions that we ask. It's probably because it's just kind of surface level. If I met someone for the first time and I said, Hey, John, how you doing? I'm Joe. What are your most important life values? People would look at you like, who are you really, John?
Wendy Green:You know, that would be a great question to ask, though. Can you imagine doing that in a network?
Joe Allaria:It would be a fantastic question. I mean, if you want to get to know someone, you should probably ask that and not what they do. But we're so accustomed to, hey, stand up, introduce yourself. Okay, I'm Joe. I'm from Glen Carbon, Illinois. I'm a financial advisor. Like that, that would probably be exactly I'm married, I have two kids, you know, that and I'm a financial advisor.
Wendy Green:And and you know what? I'm guilty of it too now because I know that the people, some of the people I'm meeting, are retired. And what do I ask? What did you do? So it is still we're still looking for that label to put on ourselves. And it's so much more than that.
Joe Allaria:Yeah, it's not who we are, but I know I've seen it a lot when people wake up every day, they go to their job, and they feel like they're needed at that job. And it does become a little bit of your identity in a way, but it's certainly not the entire, shouldn't be your entire identity. But do you have any stories that have you seen this happen yourself? That someone has, it's just been so evident that they've retired and it's almost that they lose sense of who they are.
Wendy Green:I see it all the time. I see it all the time. One story that comes to mind is a man that I was working with who uh was an engineer. That was his role. He also defined himself as a problem solver, as an engineering manager, problems would come up, and he was really good at figuring out solutions. And so when we started meeting, his ideas initially were well, I'm gonna stay involved in business. Maybe I'll be on some boards, maybe I'll mentor business owners or up-and-coming young people in the engineering field. And as we worked through it, he started to realize that's not really what I want to do. That's what I've been doing 40 years. But what I want to do now is be more of service.
Joe Allaria:Right.
Wendy Green:And eventually what he has settled on is he is being trained with the Red Cross to be a disaster recovery type of a person, disaster responder. He also I think it's blood transport that he's doing.
Joe Allaria:I don't know if you see a pattern men versus women, but I tend to see it more in men where the identity I've seen has been wrapped up more in my job. I don't know if it's because of how men are wired. Do you see any sort of pattern there? Or is it does it happen with both men and women where sometimes that identity is just really wrapped up in the career?
Wendy Green:I think I do see it in both men and women, Joe. And I think part of it is your personality type. Yeah. Are you a driver type of a personality? Part of it is the types of roles that women have traditionally had may not have been as self-identifying, but more so they are now. You see a lot more women in senior leadership roles.
Joe Allaria:Absolutely.
Wendy Green:And they've worked hard to get there. Sure. And giving that up doesn't come easy for either men or women because it's a part of your ego sense too. And so being able to find something else that makes you feel good about yourself and gives you that sense of meaning, I think is important.
Joe Allaria:Yes. And I certainly have seen it. I've got clients who are business owners, who are executives in large corporations. And absolutely, I would imagine for them it's going to be more challenging to switch that off. And that kind of leads into my next question is I think one thing that we like as human beings is to feel relevant, to feel like someone needs me, feel like someone's counting on me. So I can be there for whoever that is, it's counting on me. Well, my employer is counting on me, and I know I'm relevant there. And then when I retire, it's like I could go do anything I want. No one needs me to be anywhere at any certain time. And I all of a sudden don't feel so relevant. Do you think that I mean, talk about that a little bit? Is that do you hear that when you counsel people, when you coach people through that transition?
Wendy Green:So let me tell you a story, a very personal story with my husband. He was in the senior executive service in Washington, D.C. with the Department of Energy, responsible for safety at nuclear power plants. When he retired, he was a hunter, he was a fisherman, he was so looking forward to that's what he was gonna do. And it wasn't too long before he started to realize he had no friends, really. I had been the one bringing in friends, but he had no friends. He had nobody calling him that needed him to check on him, to ask his opinion on things. And that was really hard for him to take. And unfortunately, he then developed bladder cancer and went through all the treatments. But basically, Joe, he had come to this mindset that his life wasn't worth anything anymore. Yeah, nobody needed him. I mean, I did. I was trying to come on, we've got this, let's go. But yeah, he he pretty much gave up at that point. And I think that's a big reason I do the work I do because seeing his loss of relevance, seeing his loss of meaning, and you can't replace that for another person just because you love them. They have to take the initiative to find their own way and to look inside to do the work to get to that sense of relevance and meaning again. And he just wasn't able to do that.
Joe Allaria:Wow.
Wendy Green:Yeah.
Joe Allaria:Yeah. And these are deep things to think about whenever I challenge clients. We talk about what are you going to do when you retire and what are you going to do with all this money and what is going to provide you the most retirement fulfillment. These are not easy questions. Some people, very few, I would say the minority, are able to rattle off an answer really quickly. Usually it doesn't happen that way. It's a period of exploration, which is why I'm sure you would agree that trying to figure out your identity before you retire is pretty important to make sure it doesn't get wrapped up. My personal beliefs on this, Wendy, is your identity is not your job, your identity is not, it's all part of it, but it's not a spouse. It's your identity is not in someone else. Because when that someone else isn't in the picture, you could run into the same thing. Yes, I am a husband, but that's not who I am. I mean, that's at this point in my life, that's one thing that I am, and I hope I am pro time. But that's not who I am. Who I am is even deeper than that. Who am I? Why am I on this on this earth? You know, for me, my my Christian faith is a big foundation for me. I go back to that. I know who I am because that's where I get my identity. Of course, I believe strongly in that, but everyone's gonna believe their own ways. I just would caution anyone. It's not in a job, it's not in a person, it's not in being a grandparent, it's not in being a parent. Those are all things that are part of it. Part of it, but it can't be it because I wasn't always a parent. And you weren't always a grandparent. But yeah, challenging that, looking inward, very serious, heavy, but can be really productive. Generally speaking, the activities that I encourage people to do, the things that lead to real fulfillment, generally involve helping others in some way, and that generally leads to more fulfillment. And you know, that's part of that could be part of your identity too, or you're really motivated, like you're doing, to go help people through this type of transition or help people with whatever they're they're dealing with.
Wendy Green:Right. Let me just go back to your question about discovering your identity before you retire. I do think there's value to that. Um, and it does take a lot of work. And sometimes we feel so overwhelmed with all the responsibilities that we have with work and family and all the other obligations that come along with that, that we haven't taken the time. It's nice when you can retire to something instead of from something, but there's also a philosophy that I follow that was developed by William Bridges. He wrote a book called Transitions. He did a lot of work on transitions, and it is that you go through an ending, and then there's what they call the neutral zone, and then there's the new beginnings. And in the neutral zone, that's where until we retire, we probably never have taken the time to be in that neutral zone. And that's uncomfortable because we're just being, we're kind of sitting in stillness in some sense. We may be walking in nature, we're spending time by ourselves, we're thinking about who am I, who do I want to be, and why do I want to be that? Not do, but why do I want to be that? And it's being open to the question and open to the answers that will bring you to that new beginning. Most of us have never done that before. We if we lose a job, we're immediately like, where's the next job? If something happens, we're immediately like, oh, I gotta find the solution to that.
Joe Allaria:Yep.
Wendy Green:The beauty of being in transition is to take that time and find those answers for yourselves because that's really powerful.
Joe Allaria:And that's probably the first step, though, in building out sort of a plan. And plans change, don't get me wrong, but we encourage people all the time to do a financial plan, a retirement plan. And we also talk, we have on this show even, we've done a whole show on designing your retirement life, creating a life plan for retirement or a next phase plan, or whatever you want to call it, but a plan. Because if you don't, you're just floating around, your head's in the sand, and chances are you're not gonna optimize the time that you have. Right. You're probably not gonna reach the optimal point of fulfillment or whatever you're trying to reach. So just map out a plan. Take some time to think about it. Map out a plan. These are the things I'm gonna fill my time with. I think you should ask yourself what's most important to me. We asked that question where money is related. Where do you want this money to go? What's most important to you? Want your kids to get it? Do you want are there charitable organizations you want to have this money? When do you want to see your money go to those sources? And by the way, I always like to pause at some point in this because we're talking about putting a plan together. We offer a free retirement analysis, a free financial analysis at our website, retirement powerhourpodcast.com. So if you go there and click work with me and schedule a call, we will take you through that process and guide you through it, help you answer those questions. And that's all on the financial side, but it certainly ties into what we're talking about right now. So retirement power hour podcast is the place that you can go and do that. But plan having a plan. Can the plans change? Yes. But having it, starting it by just it's asking a lot of these, kind of a lot of these tough questions. And you know what? It's no different than a financial plan, Wendy. When we draft one out, I tell everyone this is a rough draft, it will change. That's the only guarantee I have is that this is gonna change. We're gonna give it our best shot up front, but then we're gonna have to adjust right overnight.
Wendy Green:Right. And when I take people through the what's next coaching program that I do, we draft a plan too. And at the end of the six-week program, it's a six-month plan. And I also then provide the accountability. So I'll check in with them once a month. How are you doing on your plan? What needs to change? Do we need to tweak anything? Because, like you said, plans change. The difference from the financial plan is this is habit changes too, right? So I sure there are some habits that you have to develop to do to have a financial plan, but to change your lifestyle, yeah. We're developing some new habits. And so six months is a good time to start trying out new things and seeing new behaviors and seeing new outcomes. And then now what do you want to do?
Joe Allaria:Well, folks that we work with have done a great job building great financial habits. Generally, that's why they're working with us, is they've done a great job saving. They're just regular people. I don't that I say that like the next door millionaire, they're not Bill Gates or Warren Buffett, or they're just regular people. They've done a very good job saving, they've got great habits there. Not saying they don't have great habits in other places, but maybe not. Maybe maybe they struggle in other areas. Financially, they've always done what they need to do.
Wendy Green:But right. But there's new habits that we get to develop when we're not getting up and getting in our car and commuting to our job or working from home, even. There's new habits to develop.
Joe Allaria:One thing I always encourage too is if you can do some sort of bridge retirement, work part-time, something like that. Number one, from the financial side, great financial benefits. You keep making money so you don't have to pull as much out of your portfolio. You may even get benefits, but there's also a huge psychological component as well. Hey, I'm still relevant, I'm still needed. Is that the best case scenario? No, the the best case is again, you look inward, you're able to answer all those questions. Who am I? I don't need this job to tell me who I am, but I know that it is kind of supplement. It's a little extra help. If I can sure, if I can plug in, well, what it might be volunteer work, it doesn't matter, but even there's studies, medical studies that show this too. The more engaged I am, the higher healthier you are. Yeah, healthier, higher quality of life, longer I live.
Wendy Green:Absolutely.
Joe Allaria:So very interesting. So what and I'm glad you brought that up about the program that you offer, and you outlined it a little bit. If someone wants to learn more about that, where can they go to learn more about what you can do for folks?
Wendy Green:Yeah, thanks for asking. They can go to the website, heyboomer.bizbiz, and all of the podcast shows are on there, all of the information about the next coaching program. My next cohort will start on January the 11th. So we're we'll get through the Christmas break and New Year's and then dig into perfect time. New Year's juicy stuff.
Joe Allaria:Yeah. So you so this is in a group setting, is that correct?
Wendy Green:It is, yeah. I try to keep the group to no more than six, eight max.
Joe Allaria:Interesting.
Wendy Green:Well, it's because I like we learn so much from the group. It's a lot of I mean, I share ideas and do a lot of coaching on the call, and then people get from each other. Someone will say something about what they're trying, and you see this light bulb go off in someone else's head, and they're like, oh man, I hadn't even thought about that. So the group dynamic is so strong.
Joe Allaria:Yeah. No, I actually like that a lot. This kind of learning from others' situations, I think that's a good idea and sounds interesting. So it's fun too. Hayboomer.biz. Right. You're also on Facebook. I know social media, I've followed you there, and you've got again your own podcast, the Hay Boomer Podcast. So I encourage all my listeners, our listeners, to check out Hay Boomer and subscribe and like and stay tuned in because I've already seen evidence of all the conversations that you've had. There's a lot of good things to take away from all of that. With that being said, Wendy, I'm going to do a short game with you here. We'll do true false and then we'll wrap up for today. So one word answers, true, false things I've heard about retirement, quotes I've heard about retirement. First one true false. There's never an Enough time in retirement to do all that you want.
Wendy Green:Sometimes true.
Joe Allaria:Here's a good one. Retirement is like a long vacation in Las Vegas. The goal is to enjoy it to the fullest, but not so fully that you run out of money.
Wendy Green:Oh man, there's still a lot of parts to that. Um, don't run out of money. False that it's like a long vacation in Las Vegas.
Joe Allaria:I agree with you. 60s are the new 40s.
Wendy Green:Oh God, I hate that one. I hate that one because that goes into the whole ageism thing. Like, you know, I I am proudly 69. And I think we need to understand the difference between 60 is the new 40, and you look great for your age, and all of that. It's like, no, I am who I am, and I am great just as I am.
Joe Allaria:Just take off the last part. That's you know, hey, that that's really good for a 65-year-old. No, no, just just take that part out, right? Like, you know, uh, whether it's fitness or or whatever it is.
Wendy Green:Right. Because there are some 35-year-olds that you're like, oh my gosh, you are already acting old.
Joe Allaria:And sure, yeah, I know. And I gotta catch myself there too when I'm doing active things to not say, hey, uh that's pretty good for a you know, 30-something year old. But uh retirement years are are truly the golden years.
Wendy Green:Oh man, they so can be if you've if you've planned for them. They can be.
Joe Allaria:Last one here. You true or false, you get busier when you retire, after you retire.
Wendy Green:If you choose to.
Joe Allaria:I hear that all the time. I get busier once I retired. Wendy, thank you so much for for coming on today. I had a uh enjoyed our conversation, had a lot of fun, and learned a lot too. Um, again, I'm I want everyone listening to check out Hey Boomer, and I'm gonna put that in the show notes. And I'll any other resources that uh Wendy you think would be helpful, uh, we'll include in there. Do you have um like was it a quiz or a worksheet you said that I could include as well?
Wendy Green:Yeah, we're putting that link up on the page in the next few days. It's called a vitality assessment index. Perfect. So, you know, see where you're at when you're looking at this next stage. Awesome.
Joe Allaria:I love assessments. Yeah, we'll put that in the show notes. Thanks again, Wendy. Thanks to all that are listening to the Retirement Power Hour Podcast for sticking with us this episode. Join us next time where we help listeners invest wiser and retire better. Take care.
Speaker:Thank you for listening to the Retirement Power Hour Podcast. All material discussed on this podcast is for educational purposes only and should not be construed as individual tax, legal, or investment advice. Investing involves risk of loss, and investors should be prepared to bear potential losses. Past performance may not be indicative of future results. Joe Allaria is an investment advisor representative of Carson Allaria Wealth Management, a registered investment advisory firm. Information discussed on this podcast may be derived from third parties that are believed to be reliable, but Carson Allaria wealth management does not control or guarantee the accuracy or timeliness of such information and disclaims all liability for damages resulting from such sources. Any references to third parties are provided as a convenience and do not constitute an endorsement.
