Kiplinger: Are You Ready For Retirement?

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By Ken Heise

Retirement is a huge transition, much like getting married or having kids.

And just like those other life events, it takes preparation.

Financial professionals tend to focus all their attention on the money side of things. (It’s what we’re paid for, after all.) But the people who are typically the most successful in retirement think beyond the bottom line to the other changes and challenges they might struggle with in their new lives.

So, before you trade in your ID badge for a fishing rod or tennis racket, ask yourself these questions to help prepare for retirement:

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Happy Thanksgiving!

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Heise Advisory Group will be closed for the Thanksgiving Holiday on Thursday, November 24th and Friday, November 25th.
Normal office hours will resume on Monday, November 28th.  Happy Thanksgiving! Have a safe and wonderful weekend!


Gratitude 365

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Healthier, More hopeful, Improved Sleep Quality, Increased Self Esteem, Increased Helpfulness and Empathy, Increased Resilience…

I imagine most of us could use a bigger dose of at least a few of these things. Guess what it comes from…GRATITUDE—scientifically proven benefits from the active practice of gratitude*.

This is the time of year we talk about gratitude quite a bit. We sit around our tables with family and friends; we express what we are thankful for, eat more than we intend to, laugh harder than we normally do, and embrace longer than we usually would…

What about the rest of the year? Most people are appreciative automatically when life is good. However, I believe we need to practice gratitude because life is not always good and especially when life is not good.

Ways to practice: a gratitude journal, think of someone you are grateful for each day, incorporate acts of kindness into your life, notice something beautiful or interesting each day, thank people sincerely, compliment a stranger, smile at someone (the real kind that makes your eyes crinkle), stay away from gossip, live in the present…

At my house there’s a jar sitting in the kitchen.  In our office it sits on the front desk. When we think of something we are grateful for, we write it down and put it in the jar. It absolutely changes my perspective on the day, it forces me to list what I’m grateful for and decide what to put in the jar. Above all, I’m always grateful it is a long list :).


Meaghan Shaffer

Director of Marketing and Operations



Kiplinger: 4 Big Retirement Regrets That You Should Avoid

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Retirement is a scary and exciting crossroads all at the same time. It is often said that we spend more time planning a vacation than we do retirement. This Kiplinger article makes some very keen observations. The most important is to make sure you have a plan. Give us a call and let us help you create your Retirement Roadmap. 314-909-1116.

“The closer you get to retirement, it seems, the more pressure there is to plan ahead. But how do you know if you’re coming up with the right answers when you’re facing life-changing questions—and there’s so little room for error? When should you stop working? How much money should you have saved? How can you make sure that money lasts?

Sometimes failure is the best teacher. When I talk to retirees, they frequently bring up their regrets—things they say they’d do differently if they could. Here are a few of the more common mistakes retirees make that we all can learn from:”

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