What Will You Do When you Retire?

Retirement planning“They've spent the past 35 to 40 years saving money but they haven't spent much time at all thinking through how they want to invest their time once they retire."

Last fall, Kiplinger's explored a very important issue in "The Biggest Oversight in Most Americans' Retirement Planning." This article warned about the perils of poor preparation for the mental and emotional demands of retirement. Not many of my clients make this complaint, rather they wonder how to fit everything they want to do in their day.

There are folks however, that head into retirement with a sense of excitement and a bit of anxiety—they haven't given much thought to their actual goals or how to best to use their unique skills and abilities. Perhaps these retirees did very little "avocational" planning when preparing for retirement and planned instead to just "take it as it comes." With my clients who have obviously put some time and effort into planning prior to the day they stopped working, they’ve experiencing more meaningful and interesting lives. They’ve devoted their time of service to others, newfound creativity or even starting new businesses.  This is not for everyone however, so it’s important to give what you want retirement to be some thought. There is no doubt that for most people retirement—and the freedom that comes with it—can be the best part of their life. Unfortunately, there is the other side of retirement as well: loneliness, depression, and alcoholism are all too common afflictions of some retirees.

The best way to avoid these darker possibilities is to get your finances ready for retirement while setting some worthwhile goals. Take time each week to determine where you excel, to define your interests, and to consider what types of things you'd like to learn and what experiences will give you the most satisfaction. Then, look for ways to employ those skills and goals. As so many now realize, retirement isn't the end of anything. Quite the contrary, when you plan and prepare, it's really the beginning of new pursuits.

Don't spend your retirement sitting in front of the television! Start planning what you want to do in your retirement. If you don't know where to start, chat with family and friends. Ask them what they could see you doing. Don't delay! Figure out today what's going to bring you a sense of purpose and fun in retirement.

Reference: Kiplinger's (October 2015) "The Biggest Oversight in Most Americans' Retirement Planning"


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We've been putting together as many resources as possible so that we can continue to help:

  • If you’re a current client with a signing appointment or a prospective client with a consultation and would prefer that meeting take place in your own home, we can accomplish that with a little bit of pre-planning on our part and with the addition of a laptop, smartphone, tablet or other computer in your home to facilitate this virtual meeting. For those of you that need to sign legal documents, that too can be accomplished with the use of a webcam (FaceTime etc.), so that we can witness and electronically notarize all of your important legal documents.
  • We launched the rollout of our on-demand webinar early so that new clients and our allied professionals can view the important component parts of ‘an estate plan that works’ at their convenience.  That is available on our website.
  • Live video workshops will be produced as quickly as possible and certainly ahead of our previous schedule; we will keep you posted as these events become available. Given the ‘boutique’ nature of the firm, we rarely have more than ten people in our office including team members at any one time. During this period of ‘social distancing,’ we promise to have no more than 8 people at any time.   This allows us to comply with the Governor’s directive to limit in-person gatherings.
  • The best way to communicate with us is still by phone during regular office hours of 8:30 to 5:00, Monday through Friday, or, you can email any of our team members (that is, their first name followed by @zarembalaw.com).  We will respond to these emails as quickly as possible.
  • Please continue to follow the directives of our local, state, and federal agencies. For your health and in consideration of our team who is assisting you, if you’ve scheduled an office appointment or planned to drop off paperwork and are experiencing a fever, dry cough, or shortness of breath, please contact your primary care doctor for guidance and then our office to reschedule.

Thank you, Walt and the Zaremba Team

Update to our Process

The unprecedented coronavirus pandemic has taken our entire country by surprise. We understand how difficult this time is for America’s businesses and families.  However, we believe it is vitally important that we make every effort possible to continue to offer solutions that avoid disrupting our important partnership with you, your family and friends.  As you know, estate planning is not something that should wait for a more convenient time, therefore the opportunity to address your important goals both during and after this crisis should not wait.  To that end, we have added the option of a ‘virtual consultation’ to our office process.  You will now have a choice of either meeting with us in our office or in the comfort of your own home.