RETIREMENT WITH A PENSION: WILL
YOU LIVE TO ENJOY IT?
By COACHLYON – THE Pre-Retirement Coach
The California Public Employees Retirement System (CalPers) states
that up to 30 percent of pensioners die after just 18 months of
retirement. Why? Indicators strongly suggest that
the stress of
sudden "unemployment," coupled
with the stress of no clear direction for retired life, lead to
that 18-month death spiral. While financial advice is readily available
for planning retirement, it is difficult to find resources to help
with planning what to do with one's life when retired. Fortunately,
pre-retirement coaching is now available to help pensioners plan
their next career - that of a happy and fulfilled retiree.
When an employee retires, there can be a variety of emotions
involved. Positive emotions include happiness at being able to
do what you want, go where you want and possibly sleep as late
as you want. But retirees can also suffer from the trauma
loss. This is considered, psychologically and emotionally, a major
loss in our society on a par with the loss of a loved one by death,
loss of relationship (divorce, or major break-up), and physical
up-rooting (a major move).
Some of the major loss factors retirees face are:
* Loss of professional identity
* Loss of social circle at work
* Disconcerting, even disorienting new physical schedule
* Loss of their outlet for creative and productive energies
If not remedied, all these factors can bring about
boredom, apathy, and depression which can then easily lead to steadily
declining levels of activity. This can end up looking like a lack
of activity and exercise, a lot of daytime TV (negative and depressing),
and eating junk food,... All of which are unhealthy, heading
toward premature death.
Retirement should be a time of enjoying the fruits of your labors,
and coaching can help make this happen.
A sports coach helps athletes focus on what they want to do,
and how to do it. As an empowerment coach, I work with clients
to tap into their passion and purpose, and to come up with a game
plan for their retirement that has them leaping out of bed in the
morning to get to it!
Issues addressed with coaching include:
- relearning what you love to do, and why
- analyzing specifically how much supplemental income is needed for a comfortable
- learning how to do what you love in retirement and make
the extra income
you need doing it by developing a step by step action plan
- alleviating the anxiety of "What am I going to really
do in retirement?"
- learning to cope with the sudden loss of your usual
schedule and social circle
- making necessary plans to fill the creative, productivity,
and social voids
of your new life
- getting a sense of completion with your old job, and
making a plan to move
forward into a meaningful and
- learning how to really "celebrate" your retirement
Coaching helps retirees re-learn their sense of
purpose, get their new life on track, and look forward to the challenges
and triumphs that are their deserved reward in retirement.
Richard A. Lyon, CEC, aka COACHLYON - THE Pre-Retirement
Coach, is a “Baby Boomer”, and works mainly with his fellow “Boomers”.
As a practicing Life Coach here in Sacramento for over 4 years,
besides Pre-retirement planning, he has worked with clients on
various challenges including writing and publishing a book, successful
internet dating, career changes, and enhancing spiritual awareness.