Boo! It’s almost Halloween. Since mid September you’ve seen all the preparations, decorations, and merchandise. There are lights for your lawn, bags of trick-or-treat candies for your give-away bowl, and – of course - the Starbuck’s Pumpkin Spice latte!

Now comes the big question. You are probably going to a Halloween party, so...

I’ll bet you probably started planning for it far in advance. After all, you’ll need to think it through, get a costume, make sure it’s comfortable, and check that it looks good.  Will you be someone scary? Someone cool? Someone funny? A gorilla? A princess? A Zombie?  Such choices! And what fun to play and search, and be creative. 

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Which reminds me of …, RETIREMENT!  So...

Soon your old identity of “doctor,” “lawyer,” “businessman,” “teacher,” will be no longer applicable, so who are you going to be without that business card?  

It’s a good idea to start planning now. Just like for Halloween, you’ll need to make some plans, decide how you want to spend your time, and then figure out how you will make it all happen. You can try on different costumes and take different paths towards the treats you so desire. 

The special beauty of retirement is that you can always take off the costume if it becomes uncomfortable. Then you can change into something else!

Take Bob, for example.  He knew when he retired, he was going to spend his time riding and grooming horses. He had a place to start.
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He soon found that doing this all day every day was not really what he had in mind. So, he then cut back to going to the stables twice a week.  And since he always liked writing, now he spends a lot of time writing mysteries set in the horseback riding world.

Emily’s love for taking photographs had to take a back seat to work and family responsibilities. Two years before she retired, she made some plans and signed up for a weekend course in photography to sharpen her skills. She loves going out in the early morning to walk along the lake, and her nature photographs are beautiful.

Recently, someone asked her to take photos of their son’s wedding and various other special events. That then turned into teaching photography as a continuing education course to adults at the local high school.

It all started with having a plan. That is the secret to success with most things, and it is really important in retirement. Sure, you might say you have your finances in order, but after all, retirement is about so much more than the money.

Loretta Saff is a Certified Professional Retirement Coach and can be reached at www.coachingwithloretta.com.

SO, …, WHAT WILL YOU DO NOW?
Some people facing retirement say:

• “Ah, – time to do what I want, when I want.”
• “I’m going to get up late and enjoy my coffee and the newspaper.”
• “Travel!  I am going to travel!” 
• “Well, I’ll probably start another company or get a paying job.”

All these sound great and interesting – on the surface.  But let’s look at them more carefully.

“Ah, time to do what I want when I want.”  Ok, but what do you want? And in what order do you want it? There may be a lot of choices and a lot of opportunities for you and your time. Thinking about it and planning ahead can make a huge difference and help avoid disappointment.

“I’m going to get up late and enjoy my coffee and the newspaper.”  Ok, so assuming you don’t sleep later than 8:00, that brings us to around 10 a.m. Good for you! You are caught up on what is happening in the world. Now what? (And, by the way, if you’re only having coffee and you use a Keurig, you will probably be done by 9:30!)

“Travel! I am going to travel!” Yes! Plan those trips to your dream cities. And go. But remember, travel is getting harder and harder. Planes are cancelled; security causes long lines; prices are through the roof.  And what if your knee starts hurting again? Just like you spend time planning the details of a trip, you need to have a plan for all those other weeks when you are not traveling!

“Well, I’ll probably start another company or get another job.”  But wait, why did you retire in the first place? Will you make sure that you won’t face the difficulties and stressors that made you leave?

Don’t get me wrong – any of these are a good starting point for some real thinking and self-assessment. Being honest with yourself is a lot easier with an objective partner. A few sessions with a Retirement Coach can make all the difference.

You recognize that quote. It’s the opening scene to MISSION: IMPOSSIBLE. Of course, Jim always accepts the assignment; and we get to enjoy the adventure.

Sometimes in life you do have choices. You can choose – even volunteer – for the mission. But sometimes the mission is simply forced on you, and then you have to navigate the challenges.

Transitions
Lately, I’ve been thinking a lot about TRANSITIONS. Often it’s as simple as going off to college or wanting to change jobs. Other times it’s finding yourself an empty nester, being ‘let go’ from a job, or becoming single after years of partnership. Or maybe you are moving from one place to another, just lost someone you love, or realize that you must RETIRE.

These transitions – or CHANGES – all force you to ask yourself similar questions:

• Who am I NOW?
• How will I spend my spare time?
• Which people will I surround myself with?
• How am I going to find fulfillment?

I‘ve heard lots of the answers.  Many people think that they will be fine because they are comfortable financially.  And yet there are many ‘rich’ people who are very unhappy and lost. Others look forward to the change and they will simply “take it as it comes.” Maybe…, for a little while.

Each transition happens to a different you. It’s important to take a good look at who you are NOW. Then you can explore what you really want and make a plan for how to get there.

Coaching You Through the Transition
As a coach, I don’t give you the plan. Only you know what will make you enthused about getting up in the morning. But coaching will help you decide what you really want and what’s been stopping you from getting there. Once you are armed with that information, you’ll sharpen your focus and be ready for what lies ahead.

CHANGE – Some people can handle it just fine, and others, ‘not so much.’ Whether you are Jim (or Janet) and find that your:

• Relationship is changing;
• Lifestyle is changing;
• Attitude is changing;
• Job/place to live is changing;
• You’re getting married/Having a baby/Becoming empty nester; or
• Yikes! You’re going to Retire (!)

having a coach makes a big difference as you navigate the new environment. The “Transition Mission” is yours – and you have to choose to accept it.  Let me help you make it an exciting

MISSION: POSSIBLE!