Swad Wealth Management’s Post

Many of us won't experience a near-death experience that shocks us into realizing our true priorities. Many of us will continue to grind and keep ourselves "so busy" that we won't escape the day-to-day to see the big picture. Last week, I talked about Morrie from the book "Tuesdays with Morrie" where Morrie shares his wisdom, while facing death, to help us lead more fulfilled lives. While I never want to see you or anyone have to face something like ALS, like Morrie did, I hope you are doing all you can to live your most fulfilled life. So, without intentionally putting ourselves in a near-death experience, how do we gain clarity over each of our individual priorities? Enter - THE THREE QUESTIONS About 70% of the time, the third question is where people really get clear. And while the question is simple, it's not always the easiest to answer. So what is the third question? "The doctor shocks you with the news that you only have one day left to live. Notice what feelings arise as you front your very real mortality... Ask yourself: -What did I miss? -What did I not get to be? -What did I not get to do?" This question isn't about what you would do over the next 24 hours... It's about understanding your feelings, which as Morrie tells us can lead to a richer life. If you want to learn about the other two questions and exercises you can do to help plan for your future, check out Zack Swad's guide, 15 Retirement Planning Tips for People Age 50+. You can DM us or comment below and we'll send you a free PDF copy. #financiallifeplanning #wealthmanagement #lifeplanning #georgekinder

None of us want to admit we're going to die. But recognizing our mortality is an essential part of planning for a life in retirement. Many retirees don't spend enough because they act as if retirement isn't finite. Science shows that the fear of death often prevents us from making more rational choices. To quote my uncle, who I often refer to in my presentations on life in retirement, "Sometimes I wish there would be a clock I could set for the end of my life. If I set it now and it gave me a reading of 2,124 days, 13 hours, 25 minutes, and 14 seconds to go before the end, I would not procrastinate any more. If I was aware that every tick tock of this clock was winding my time down to zero, I might not relish those deep sixty-minute naps I am taking every afternoon, from which I awake completely disoriented. I would be painting my house. Repairing cracked caulk in the bathrooms. Attending social gatherings and musical soirees. I would be driving my Alfa Romeo Spider as fast as I could every day of the week." (from Please Enjoy Your Happiness by Paul Brinkley-Rogers). Russell James, J.D., Ph.D., CFP® has done important research on the impact of mortality salience on financial planning decisions and the techniques advisors can use to get around it.

Many of us won't experience a near-death experience that shocks us into realizing our true priorities. Many of us will continue to grind and keep ourselves "so busy" that we won't escape the day-to-day to see the big picture. Last week, I talked about Morrie from the book "Tuesdays with Morrie" where Morrie shares his wisdom, while facing death, to help us lead more fulfilled lives. While I never want to see you or anyone have to face something like ALS, like Morrie did, I hope you are doing all you can to live your most fulfilled life. So, without intentionally putting ourselves in a near-death experience, how do we gain clarity over each of our individual priorities? Enter - THE THREE QUESTIONS About 70% of the time, the third question is where people really get clear. And while the question is simple, it's not always the easiest to answer. So what is the third question? "The doctor shocks you with the news that you only have one day left to live. Notice what feelings arise as you front your very real mortality... Ask yourself: -What did I miss? -What did I not get to be? -What did I not get to do?" This question isn't about what you would do over the next 24 hours... It's about understanding your feelings, which as Morrie tells us can lead to a richer life. If you want to learn about the other two questions and exercises you can do to help plan for your future, check out 15 Retirement Planning Tips for People Age 50+. You can DM me or comment below and I'll send you a free PDF copy. #financiallifeplanning #wealthmanagement #lifeplanning #georgekinder

People don't often fail for lack of truth, but rather a lack of action on that truth. We know that eating Doritos and drinking a liter of Pepsi on a routine basis isn't good for us. We know that working out daily IS good for us. That eating bad and not working out will lead to potential health decline. It is not good enough to simply know of truth, but rather to act on it. We all know we need money to retire, yet do people have a plan and act on the truth of one day retiring? Do we know that dying is inevitable and sickness can happen? Absolutely! Do we put protection plans in place in the event it comes about unexpectedly? Often times, no. Often times people don't act on the truths above because they need a trainer/educator/mentor/advisor to keep them accountable. They need these people to have a plan and continue along the path set before them because it is easier to deviate from that path. Who cares if you know that eating terribly leads to health risks if you don't change your eating habits? What good does that do you? If you don't have a plan, get with someone who can create one and help guide you. The countless times I have talked with advisors who are starting to work with people in their 50s who basically have no money in retirement are numerous unfortunately. The amount of times I sit with advisors to talk about income protection on their clients in their accumulation stages of life is 100x that. Act on truth. Don't simply retain it as knowledge.

Day 12: The Circle of Life and Making It Count I just read one of the most humorously written articles a friend sent me. The writer took me on a reflective journey—narrating life’s twists and turns, the inevitability of aging, and how retirement planning sneaks up on you like an uninvited guest at a party. It was hilarious yet deeply reflective, and it made me pause to think about the circle of life. How often do we stop to reflect on what truly matters? For some, it’s about living in the moment—those vodka-fueled nights or carefree days that seem endless. For others, it's about thinking long-term—investing in family, planning for retirement, or building communities that provide belonging and support as we age. The one thing that stood out? Life doesn’t come with a manual. Aging feels anticlimactic, but it’s also an opportunity to redefine our purpose, to reflect, and to make deliberate choices. The article reminded me of a poignant truth: You were born alone, and you’ll die alone. But it also left me inspired to make every moment count—whether through building meaningful relationships, creating a legacy, or simply embracing the chaos of this journey called life. If you’d like to read the article, comment ARTICLE, and I’ll share it in your DMs. Let’s keep this conversation going. #Reflections #LifeJourney #MakingItCount

What are the top three concerns people have about retirement?* 1️⃣ Financial 2️⃣ Financial 3️⃣ Financial Something is missing: ❤️ Health I'll share some statistics with you. 1️⃣ Life expectancy: 80.8 years** 2️⃣ Healthy life expectancy: 62.4 years** Healthy life expectancy is the number of years a person is expected to live in good health. 3️⃣ Now, let's consider the average retirement age: 66 years** 🤯 100% of the average person's retirement will be spent in ill health. Think of all those amazing things you want to do: 💑 Time with loved ones 🏌️ Enjoying a hobby 🫶 Volunteering 🛫 Travelling All the money in the world will not compensate for poor health. So, please remember, you'll need BOTH: ====== 👋 I'm Trevor Dias, A speaker, author, and coach helping people change their lives. 🔔 I'd love it if you gave me a follow; in return, you'll receive valuable content that can transform your life, covering Mindset, Nutrition, Fitness, Health, & Well-being. ====== * Forbes ** UK Office for National Statistics

𝐈𝐬 𝐘𝐨𝐮𝐫 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐖𝐞𝐥𝐥𝐛𝐞𝐢𝐧𝐠 𝐒𝐞𝐭𝐭𝐢𝐧𝐠 𝐘𝐨𝐮 𝐔𝐩 𝐟𝐨𝐫 𝐚 𝐇𝐞𝐚𝐥𝐭𝐡𝐲, 𝐇𝐚𝐩𝐩𝐲 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭? 🤔 As a financial planner in the UK, I often see a direct link between financial wellbeing and overall wellness – especially when it comes to preparing for retirement. Let's be honest, financial stress isn't just about numbers on a spreadsheet. It can creep into every corner of your life: 🔹 𝐒𝐥𝐞𝐞𝐩𝐥𝐞𝐬𝐬 𝐧𝐢𝐠𝐡𝐭𝐬: Worrying about bills and savings can seriously disrupt your rest. 🔹 𝐒𝐭𝐫𝐚𝐢𝐧𝐞𝐝 𝐫𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩𝐬: Financial pressure can put a real strain on your personal connections. 🔹 𝐏𝐨𝐨𝐫 𝐡𝐞𝐚𝐥𝐭𝐡:  Chronic stress can manifest in physical symptoms and affect your mental wellbeing. The good news? Taking control of your finances today is an investment in your future happiness AND your health. Here's how financial wellbeing can pave the way for a more enjoyable retirement: 𝟏. 𝐏𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝: Knowing you've got a solid plan in place reduces anxiety and allows you to focus on what truly matters. 𝟐. 𝐌𝐨𝐫𝐞 𝐜𝐡𝐨𝐢𝐜𝐞𝐬: Financial security opens up possibilities for travel, hobbies, and giving back to your community. 𝟑. 𝐋𝐞𝐬𝐬 𝐬𝐭𝐫𝐞𝐬𝐬 𝐨𝐧 𝐲𝐨𝐮𝐫 𝐡𝐞𝐚𝐥𝐭𝐡: Lowering financial stress can positively impact your physical and mental health, leading to a more fulfilling retirement. 𝐑𝐞𝐚𝐝𝐲 𝐭𝐨 𝐭𝐚𝐤𝐞 𝐭𝐡𝐞 𝐟𝐢𝐫𝐬𝐭 𝐬𝐭𝐞𝐩? Let's chat about creating a personalized financial plan that prioritizes your wellbeing, both now and in your retirement years. - Stephen Pitcher #RetirementPlanning #FinancialWellbeing #UKFinance #MentalHealthMatters #FinancialPlannerUK #MentalHealthAwarenessWeek

Coping with Major Life Changes: A Guide for Seniors - https://lnkd.in/dURjSyDd This article offers guidance for seniors coping with significant life changes, such as losing a loved one, retirement, illness, moving, and adjusting to financial issues. It emphasizes resilience strategies like staying connected, setting routines, practicing self-care, and seeking support from loved ones or professionals to help maintain emotional and physical well-being during these transitions. #seniorhealth #lifetransitions #mentalwellbeing #aginggracefully #emotionalresilience #evergreenclubapp #seniorstodaymagazine #seniorstoday

🌟 Empower Your Future with the Life Plan Assessment 🌟 #LongevityPlanning can feel overwhelming, but it doesn’t have to be. The Life Plan Assessment is a transformative tool designed to help you focus on the key areas that matter most for a secure and fulfilling life. By addressing crucial aspects like health, finances, social connections, caregiving, and purpose, the Life Plan Assessment empowers you to: ✅ Feel stronger by identifying risks and preparing for challenges. ✅ Become more connected by building a reliable support network. ✅ Gain confidence by creating a roadmap tailored to your unique needs and goals. Whether you’re preparing for retirement, #agingsolo, or helping a loved one plan, this assessment is your first step toward clarity, stability, and peace of mind. Get it here: https://lnkd.in/gX3vZ45q Let’s make your future not just a possibility but a plan. 🌟 #RetirementReady #EmpowerYourFuture

Strong relationships lead to longer, healthier, and happier lives. Emotional wealth—your connections with Loved Ones—is what makes retirement truly fulfilling. 𝑾𝒉𝒂𝒕'𝒔 𝒐𝒏𝒆 𝒘𝒂𝒚 𝒚𝒐𝒖 𝒄𝒐𝒖𝒍𝒅 𝒔𝒕𝒓𝒆𝒏𝒈𝒕𝒉𝒆𝒏 𝒂 𝒓𝒆𝒍𝒂𝒕𝒊𝒐𝒏𝒔𝒉𝒊𝒑 𝒘𝒊𝒕𝒉 𝒂 𝑳𝒐𝒗𝒆𝒅 𝑶𝒏𝒆? Click the link or scan the code: bit.ly/49CrdRG #EndgamePlanning #LifePlanning #garthhassel #keepyourlife #RelationshipsMatter