…and, it may have some thorns.

There’s something you should know about retirement. It’s not as easy as everyone makes it seem.

Remember what life was like when you tied the knot? How about once you had children? Or, when you accepted a new job? Did things change when your nest was empty?

If you’re like most people, you’ve faced some challenges at each stop along life’s journey. Retirement is no different. A 2012 article in the Canadian Journal of Counselling and Psychotherapy noted retirement tends to include both expected and unexpected events and has the potential to create issues that may not have been anticipated.1, pg 54

If you’re pragmatic and thorough, it’s possible you’ll have thought through most of these possibilities before you retire. For those who haven’t, here are a few suggestions that may help you navigate life’s later years:

 

  • Before deciding whether/when to retire, take a leave of absence. The journal stated, “The decision to retire is one of the most important decisions that people make in their lifetimes, especially if they…find meaning and satisfaction in their work and their friendships with coworkers. By taking a year’s leave of absence, those pondering retirement can get a taste of absence from the workplace before making their decision to retire.1, pg 54
  • Work through any marital rough patches. Adjusting to new roles, renegotiating domestic duties, and resolving retirement-related identity issues can take some time, but it’s probably worth the effort. AARP opined, “…The third act can be absolutely terrific. There are going to be some hard thumps, too. Maybe a touch of death at the end. And that may be easier if you’re with someone who knows you pretty well. Do what you must, but hanging on to family should be your default.”2
  • Stay in touch with friends. This is particularly important if you relocate. While new friends can be wonderful, friends who have a shared history offer a rich social network that can provide support when it’s most needed.1, pg 54
  • Look for engagement and purpose. Find opportunities to participate in activities you enjoy. Learn more about new topics. Master old hobbies. Help raise your grandchildren. Decide to become a mentor, volunteer, or an entrepreneur. You know what suits you best. Follow your passions.1, pg 51

 

It may take time to adjust to life in retirement, and that’s okay. Don’t be disappointed if retirement isn’t smooth sailing from the very start. As Frank Lloyd Wright once said, “You have to go wholeheartedly into anything in order to achieve anything worth having.”3

 

Cookies Fit for the King

January 8 is the day Elvis Presley was born. In 1956, Presley scored a number one single, ‘Heartbreak Hotel,’ and signed a movie contract. The rest, as they say, is history.4 In memory of the King of Rock and Roll, Food Network published a recipe for Elvis Cookies.

 

Elvis Cookies5

Cooking spray

3 cups sugar

2 sticks (1 cup) butter, softened

1 cup peanut butter (crunchy or smooth, your call)

2 tablespoons molasses

1 tablespoon pure vanilla extract

Big pinch of baking powder

2 teaspoons kosher salt

3 very ripe bananas

2-1/2 cups all-purpose flour

1-1/4 cups chocolate chips

5 ounces pretzels, smashed (about 3/4 cup pretzel crumbs)

10 bacon strips, cooked crisp and chopped fine

 

Preheat the oven to 350 degrees F and spray a baking sheet, or sheets, with cooking spray.

In a big bowl, mix the sugar, butter, peanut butter, molasses, vanilla, baking powder, and salt until it’s all one color. Add the bananas and mash them up real good in there. Add the flour and gently mix until incorporated, with no lumps. Fold in the chocolate chips, pretzel pieces, and bacon.

Using two spoons, form balls about the size of a large walnut and drop them on the prepared baking sheet(s) at least 2 inches apart. Place the sheet(s) in the fridge to chill for 10 minutes.

Bake for 12 minutes, or until golden on the outside and super gooey in the middle, just like the King would want them. Let cool on a wire rack off the baking sheet.

 

What Do You Know About Rock and Roll?

“From the moment rock and roll hit the airwaves, it has played a crucial role in politics and social movements around the world,” the Rock & Roll Hall of Fame’s website attests. Test your knowledge of Rock and Roll with this quiz.6

 

1.  The ‘Queen of Soul’ was the first woman inducted into the Rock & Roll Hall of Fame. Who was she?7

A.     Billie Holiday
B.     Aretha Franklin
C.     Janis Joplin
D.     Ruth Brown

 

2.     Which rock and roller won the Presidential Medal of Freedom last November? The musician was introduced as a songwriter, humanitarian, America’s rock and roll laureate, and New Jersey’s greatest ambassador.8

A.     Wyclef Jean
B.     Dionne Warwick
C.     Patti Smith
D.     Bruce Springsteen

 

3.     Which musician won the Nobel Peace Prize in 2016?9

A.     Bob Dylan
B.     Paul McCartney
C.     Bono
D.     Yoko Ono

 

4.     According to a 2012 list created by Rolling Stone Magazine, which of these was the all-time greatest album by a female Rock and Roller?10

A.     Joni Mitchell, ‘Blue’
B.     Aretha Franklin, ‘I Never Loved a Man the Way I Love You’
C.     Adele, ’21’
D.     Blondie, ‘Parallel Lines’

 

Forget Godzilla and the Rising Sun, Japan is the Land of the Robot, Avatar, and Android

If Steven Spielberg’s Jurassic Park and James Cameron’s Avatar had a baby, the result might be the all-too realistic and completely mobile Tyrannosaurus Rex, Allosaurus, and Raptor robots introduced at a recent event by a Japanese company that has plans to build a dinosaur-themed amusement park. People wear and control the 80-pound, 26-foot mechanical dino-bot suits, just like characters in Avatar wore their avatars (without the mind-link, of course).11, 12

You don’t have to wait for the Dino-A-Park to open to encounter fascinating robots in Japan. According to The New York Times, not all of the tourist greeters in one mall in Japan are human. One is an android:13

“She is not, however, human. Ms. Junco – if you can use an honorific for a machine – joins an incipient group of androids springing up around Japan. There are also Yumeko, a receptionist at…a robot-operated boutique in Nagasaki, and Matsukoloid, who appears in a popular television variety show with her human doppelgänger, Matsuko Deluxe.”

The Guardian reported some branches of a Japanese financial firm have begun using androids to help with customer inquiries, and astronauts at the International Space Station received a visit from a companion robot.14

Robots aren’t just for corporations and governments. Shipments of humanoid home robots went on sale in June 2015, and they sold out in less than one minute!14

 

Quiz Answers:

  1.      B – Aretha Franklin
  2.      D – Bruce Springsteen
  3.      A – Bob Dylan
  4.      B – Aretha Franklin, ‘I Never Loved a Man the Way I Love You’

 

 

Best regards,

DEAN, JACOBSON FINANCIAL SERVICES


Securities and Retirement Plan Consulting Program advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Other advisory services and investment advice offered through Dean, Jacobson Financial Services, LLC, a Registered Investment Advisor, and separate entity from LPL Financial.
*The views expressed are offered through Dean, Jacobson Financial Services, and do not necessarily represent the opinions of the firm or its advisors, nor those of LPL Financial.  These views should not be construed as investment advice.  Please contact advisors at Dean, Jacobson Financial Services for specific questions or explanations on interpreting this information for your personal circumstances.
*This newsletter was prepared by Peak Advisor Alliance for use by Dean, Jacobson Financial Services, LLC.  Peak Advisor Alliance is not affiliated with Dean, Jacobson Financial Services or LPL Financial.
Sources:
1http://files.eric.ed.gov/fulltext/EJ969555.pdf
2http://www.aarp.org/health/healthy-living/info-2016/emotional-brain-health-happiness.html
3http://www.azquotes.com/quote/486869?ref=anything-worth-having
4http://www.biography.com/people/elvis-presley-9446466#early-interest-in-music
5http://www.foodnetwork.com/recipes/duff-goldman/elvis-cookies.print.html?oc=linkback
6http://library.rockhall.com/home
7http://library.rockhall.com/aretha_franklin
8http://brucespringsteen.net
9http://www.nytimes.com/2016/10/14/arts/music/bob-dylan-nobel-prize-literature.html?_r=0
10http://www.rollingstone.com/music/lists/women-who-rock-the-50-greatest-albums-of-all-time-20120622/blondie-parallel-lines-20120621
11http://www.livescience.com/56948-wacky-science-stories-to-talk-about-thanksgiving.html
12http://www.cbc.ca/news/technology/robot-dinosaurs-japan-themepark-on-art-corp-1.3845213
13http://www.nytimes.com/2016/09/07/world/what-in-the-world/in-the-land-of-the-robot-androids-are-on-the-march.html?_r=0
14https://www.theguardian.com/technology/2015/dec/31/erica-the-most-beautiful-and-intelligent-android-ever-leads-japans-robot-revolution