READY TO RETIRE, SECURE AND HEALTHY!
LET JOEL HELFER, RETIREMENT MENTOR, LIFE CHANGE EXPERT, AND BEST SELLING AUTHOR OF “57 Rules to Make the Most of Your Retirement Now” HELP YOU CREATE A SUCCESSFUL FIRST RETIREMENT YEAR AND ENJOY THE LIFESTYLE YOU ALWAYS DREAMED ABOUT!
LET HIM HELP YOU WITH A SERIES OF STRATEGIES AND A COMPREHENSIVE PROCESS THAT WILL MAKE THE FIRST YEAR AND THE NEXT 15-20 YEARS OF YOUR LIFE FASCINATING AND FUN!
Pope Benedict XVI, the first pope in over 600 years is retiring this month. Hillary Clinton, former first lady, Unites States Senator, and the most recent Secretary of State also retired. And other famous people are retiring every day. That puts you in good company. And no question, your retirement is just as important to the world and more important to your family and friends.
Joel Helfer is turning 65 this month (February 17, 2013). He’s got a five year head start as he retired at age 60, but don’t call him a “Senior Citizen.” That’s for old people like Pope Benedict XVI. Joel, a suburban Chicago based life change expert and retirement advisor, has spent the last five years researching, writing, speaking, and interviewing retirement experts, and living the new life you are beginning, trying to answer one simple question:
How do I create a successful retirement and how do I define successful?
The answer will be different for each individual, but there is a process and some proven strategies to help you answer this question. You want the right answer for yourself, because you do not want to fail at retirement. How embarrassing that would be since it’s the last big phase of your life, and you want your family to be proud of you, up to and including when you just become a wonderful memory.
This question, “How do I create a successful retirement?” which has many parts came to Joel five years ago, when he started his journey, no different than any average or very famous person. The journey started when he and his brother sold the assets of their multi-million dollar business, The Costello Glass and Mirror Company. Joel is eager to share the results of his extensive research including into both the cold reality and intense anxiety and fears surrounding people of retirement age.
His goal and passion is to provide you with a proven system to create a new identity for yourself, answer questions that will paint a retirement picture for you, and minimize the challenges and obstacles you will face in this new phase of life. He offers high value, custom solutions so you don’t have to waste precious time and money living your dream, the first year. His dream is that you become a Strategic Senior, a term he coined, and he is excited about the opportunity to give you a treasure map leading to massive emotional and physical freedom.
Though Joel has immediate plans to work as a non-financial authority, side by side with wealth managers, CPA’S and estate attorneys, to share his expansive vision (which he prefers to call a “lifetime treasure map” ), his overall goal is to help baby boomers and the generation behind with key concepts about the non-financial aspects of retirement. Improper handling of these can make the difference between success and failure.
Citing that approximately 35% of people in the U.S.A. have no retirement funds to fall back on, Joel adds, “since the current financial position of the vast majority of Seniors makes it difficult for them to consider the old traditional form of retirement, a new form with new rules is being created each day by the 10,000 people who are reaching age 65.”
His passion and experience, which he is going through himself, just like you, is to teach seniors how to kind of, sort of retire with a part time job and income to pay the essential bills. While beginning to create their new identity and enjoy the freedom they’ve worked hard for and truly deserve.
A current Merrill Lynch survey has found that 71% of all people nearing or over 65 want to keep working in some form, but most are not sure how to accomplish this, and
enjoy a new lifestyle at the same time. Joel recommends that seniors make every effort to negotiate a part time position with their current employer before they retire or work out an arrangement with their partners and employees to continue working in their businesses. This approach will provide a continual stream of cash income and eliminate the daunting task of going out into the world and starting over.
While the specific needs of each of his clients are unique, Joel has created a list of essential strategic rules and corresponding lists of questions for each one, that he feels will stand the test of time. These categories include Money, Identity, Emotional Struggles, Time Management (how to spend six Saturdays and one Sunday each week),Family and Friend Relationships, Exercise and Wellness, Fun and Dreams ( Your Bucket List ) and the Last Hurrah. This final element involves down the road end of life issues, including getting one’s estate in order and planning for the next generation.
Most of his clients want to leave money for their kids and grandkids, colleges, religious institutions and charities. But he had one client who wanted to die $1,000 in the hole. She wanted to spend it all and just a little more so here kids never forgot her, proving everyone has a unique outlook on legacy issues.
Joel believes that Time is the most valuable asset you have. It’s equally, if not more important than Money and not to be squandered. His process gives you a great way to use your time to get the maximum retirement experience. When beginning to work with a client, he offers them a list of simple, but powerful questions intended to get them thinking about what retirement means to them.
These questions will produce the following beneficial outcomes.
How to determine when you should retire and why.
How to develop at least 10 important whys (reasons) for your retirement.
How to protect your assets and income to support the lifestyle you choose.
How to deal with the fact that in your first year of retirement you will probably spend
more money than you usually do, why this will happen and what to do about it.
How to decide whether or not you should live in your current home or a new residence.
How to use our time to its maximum advantage.
How to develop a meaningful checklist of achievable goals.
How to have a conversation with your spouse about what retirement means to her.
How to have the same conversation with your kids.
How to develop a new social network of friends since you will probably lose contact with your work friends very quickly. It’s a shocking reality of retirement.
How you intend to take care of yourself and protect your health.
How to make a few of your dreams come true and have some fun.
How to watch less TV. (A recent study has concluded that for every hour of TV an older person watches, he/she reduces their life span by 22 minutes due to inactivity.)
How to decide if you really want to give up your life the way it is now.
Based on the answers to the questions you receive, which will give you the answers to the entire hows” above, Joel offers you a custom process related to your backgrounds, interests and place. “Your marital and family status is important. Singles can hop off to Hawaii, Florida, or Europe and have a ball anytime they want to, but if you have a family and two kids in college, like I do, your priorities will be very different,” he says.
Joel also gives his clients a compiled list of 100+ benefits that the average person receives once he or she decides to retire. He wants to show them the many wonderful things that should be obvious advantages, but which many probably haven’t thought about. One in particular is the fact that many local universities and junior colleges allow seniors to take free classes, and some offer full time enrolment at a reduced price to pursue a degree.
“I have written a new book, titled ’57 Rules to Make The Most of Your Retirement Now’ that includes this strategy and 56 others that will help you enjoy these ‘golden years’,” he says. “At the end of this article, I’ll tell you how you can get two free copies of my new book… one for yourself and one for a friend. I have also created a six CD audio program called ‘Strategic Senior Moves.’
You can get your two free copies right now, either by downloading them from www.strategicseniors.com or www.joelhelfer.com. If you prefer, you can email Joel Helfer at firstname.lastname@example.org and request your free copies. And don’t be surprised if you get unannounced bonuses. Joel loves to give you more than your money’s worth, even when the information provided is free.
“In my teaching and process, I help seniors realize that age 65 and beyond can be the best time of their lives,” he adds. “If they are willing to embrace the new possibilities with a positive mental attitude, they can overcome obstacles and challenges they will face. Examples of these challenges include…
What you do when you no longer can drive your car?
How to stay close to your family and friends?
How not to outlive your money? A great fear for many seniors.
“I give them a lot of different choices. Because of my years of research and experience,
I feel that I can provide massive amounts of valuable information, without making any value judgments as to how you are living or intend to live your life. That’s entirely up to you.”
Beyond conducting seminars and Chamber of Commerce events, and working with clients in his home base of Chicago land, Joel is continually developing new 21st century methods to benefit seniors all over the world.
One of the keys to Joel’s success in establishing lasting relationships with his clients, is to draw from his own life story—including several years of struggling and searching for an identity, and for meaning and productivity after choosing to retire from his lucrative glass business at age 60. On the personal side, he and his wife Evie of over 25 years, have three wonderful children: Zachary, who is currently working for a top Chicago architectural firm after receiving his master’s degree at the University of Illinois, Champaign-Urbana campus, Jeffrey is a student at Iowa State University, Ames campus, pursuing a degree in Kinesiology and a career as a Division 1 College Football Coach, and Rachel, a James Scholar at the University of Illinois, is pursuing a career in teaching. Joel graduated from the U of I too, with a BSBA degree from the School of Business in 1971.
After two years of working as a Medicare Auditor for the Social Security Administration, Joel returned to the family glass business, originally established 100 years ago as Novelty Glass and Mirror, by his grandfather Joseph Hershkopf, for who he is named. Joel ultimately became a partner and owner of four glass businesses, a well respected industry leader and served as President of the Illinois Glass Association for five years. He wrote numerous trade articles, and founded the National Glass and Metal Hall of Fame. When he retired, his colleagues and competitors thought he was crazy, but his vision told him the commercial construction industry was headed for a rough time. The labor rates had gone up so high that his union workers were making as much as the company executives were. So he and his brother sold their assets and walked away clean.
It was sort of a forced retirement. The bio on Joel’s website mentioned that 10,000 people were retiring every day for the next ten years or so- and that realization led him to create the concept of “Strategic Seniors”. Stats like that and the fact that the average length of retirement in the US is growing to 15-20 years were contributing influences, but Joel’s journey also involved a lot of trial and error as he tried to figure out what to do with this new phase of his life.
During a five year period, He started an internet business, spent a year hanging out with his wife, became a telemarketer in a room full of convicts and drug addicts, and finally decided to develop a process that would make his life better. It was a struggle and after making every mistake imaginable that cost him lots of money and time, he founded a system that now works very well, for himself, his family and his clients.
“After all,” Joel says, “I decided to figure out what was the best course of action for an individual who wanted to retire, and not go through what I did. I realized that the first year of retirement was critical to establishing a successful lifestyle and new routine. If I was going to live another 20 years, I needed to figure this out. There were bit and pieces, sound bites of useful information all over the place, but no comprehensive process that connected the dots into a framework of both financial and non financial strategies. I even researched and read most of the top 100 blogs on the subject. Everyone had something valuable to say and add, but a lot of repetition and no simple, easy fast process of getting the first year going down the right path.
“The Strategic Senior concept grew out of the personal strategies I developed for myself and my family, when I realized I wasn’t satisfied with the choices I had made thus far,” he says. “Fortunately, I had enough financial resources to develop this system to help people so they wouldn’t have to endure the baloney I went through. When I learned that Hallmark makes tens of thousands of cards every year for people celebrating their 100th birthday, it hit me that a large group of people could benefit from the process of short and long term strategies I was using for myself and my family.”
While Joel is confident that his ideas will benefit perhaps thousands of people retirement age in the coming years, he also realizes that he is in uncharted territory- because when most people think of post retirement strategies, they think strictly about financial issues. “I’m a rebel”, he says. “I admire and appreciate the work that wealth management specialists do in helping their clients come up with a plan for their futures. But unfortunately, a plan is no more than an estimate and it can change for so many reasons. Strategies and a going deeper process to the core of my client’s greatest fears, hopes and desires— and a system to cover all those bases, will last forever. And make it easier to rock and roll with daily living.
“If any of these comments, suggestion, observations and stories makes sense to you, we are a match,” Joel continues. “If I’ve even rung one bell in your heart, where you say Joel, that’s totally me, then there is a way I can help you uncover your best retirement strategies. You have to do a little bit of work to make your life better, but it’s worth it. I’m talking about raising your hand over your head and telling me you want to learn what I’ve learned without going through all the time, effort and expense. A lot of people approaching retirement just think about it and retire from living. They never act. My process will only work if you get off your butt and take positive actions to improve your quality of life.
“If what I have said here resonates with you…If you are suffering from some of the same mistakes I made, or ones you made yourself, I want you to do one of two things right now. I want you to call me directly at 847-559-8836, or call me on my cell at 847-946-8522. I’ll give you 15 minutes of free, fun conversation where you can ask me anything. I’ll give you a few suggestions on how to handle your first year, I’ll give you a couple of comments, and we’ll have a nice conversation and get on with the rest of our day.”
He adds: “If you feel more comfortable writing than speaking, send me a private email at email@example.com put in the subject line “new retirement buddy” so I make sure to open it. Share with me anything you want to and don’t forget to ask for two free copies of my new book. Part of successful retirement is making new friends and I’m excited about the opportunity for us to become friends. We may have a lot in common.
The reason why I exist and thrive these days is to help you with your retirement journey and offer you a process so you don’t make the mistakes I did. The faster you can get from A to Z, the happier you will be, the less frustrations you will encounter, and the better your chance to have a maximum positive retirement experience, that you have always dreamed about.
I believe that your years of experience and accumulated wisdom will help you succeed. All you need to do now is have the right strategies, implemented in the right order, and applied at the right time. I am really looking forward to hearing from you. I hope you have a great day and a successful retirement experience. I offer you congratulations and honor you on reaching this stage and hope you realize that the rest of your life depends on what positive actions you take, as the clock never stops ticking.”