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Mountain Peak Financial, Inc

At Mountain Peak Financial, Inc., we are dedicated to informing our clients and working closely with them to help develop the best financial strategies for their long-term goals. Our goal is to be the trusted lifetime advisor that helps our clients achieve the confidence they deserve for their financial futures.

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Mountain Peak Financial, Inc.  |  1425 W. Foothill Blvd., Ste 115, Upland, CA 91786 MAP  |  Tel: 909.982.2277

Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Mountain Peak Financial, Inc. are not affiliated companies.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product. Charles Ragonese CA LIC #0B02155, Firm LIC #0I088569

Any references to protection benefits, safety  or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual's situation.

Neither the firm nor its agents or representatives may give tax or legal advice.  Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Mountain Peak Financial is not affiliated with the US government or any governmental agency. 615813

© 2018 by Mountain Peak Financial, Inc.

Feeling Apprehensive About Life in Retirement?

July 12, 2017

 

If you’re heading into retirement or have already retired, you’ll know there is a lot to plan. But more than just finances, it’s important that you plan your lifestyle too – how you’ll spend your time. You’ve been working for the majority of your life and though the sudden halt in work will no doubt be a relief, many of our clients find that they soon get bored if they haven’t previously thought about how they’ll spend their time.

 

To get some more insight on the topic, our client offered some good advice in an interview for our client e-newsletter.

 

*Please note our client’s name has been omitted for privacy.

 

How long have you been retired?

Technically, 5 years, but as she describes it, the position she “retired” from is like the song Hotel California - once you check in you can never check out! 

 

What was your occupation?

The Director of Religious Education at a local Catholic parish.

 

Can you describe what a typical day looks like for you?

Mornings begin with the Today Show, coffee, and sudoku puzzles. A couple times a week she’ll have meetings at the church, as she is still very involved with various programs. She feels her continued involvement in the church gives her meaning, especially when she is able to share her faith with the children. Outside of church activities she’ll spend time with friends, walk the dogs, and do typical things around the house.

 

"We have so much opportunity in our later years to be

productive and give so much.”

 

Do you have any projects you’re focusing on now?

She and her husband recently purchased an RV and are preparing to take road trips in various parts of the country. She hopes to be able to use this time of her life to travel to and explore other parts of the world as well.

One special project she has been working on is a historical photo album of family photos that are over 100 years old.

 

Is retirement what you expected it to be?

Yes! She loves the luxury of sitting with a cup of coffee and the paper without having to be somewhere. She expected to stay busy during retirement and that is exactly what she has done. The joke in her family is that “she’ll get to that when she retires” because she’s so busy it seems she never actually did!

 

Do you have any advice for people who are looking to or are in the process of retiring? 

“You need to have a goal, or passion, or something you want to do when you retire. Whether you decide to become an exercise fanatic, volunteer - you have to do something beyond yourself. If not, then you do just sit and worry. You need a post-job passion that will keep you feeling young and energized.” From experience, she believes that having a responsibility to something other than yourself will drive and motivate you. “You have to have something that you can anchor to,” she says, “or you will drift. We have so much opportunity in our later years to be productive and give so much.” But of course, she is all for a day of doing absolutely nothing here and there, and believes that allowing yourself to be bored occasionally is a necessary break from the day-to-day chaos.  Retirement to her is “the freedom to do what you want, but still with an overarching goal.” 

 

There you have it, folks! Our client’s key to a happy and successful retirement lifestyle is to have a plan for how you want to spend your time and to fill that time with activities that bring you joy. This looks different for everyone, so be sure to take some time to think about what you enjoy doing most!

 

 

This is a hypothetical example provided for illustrative purposes only; it does not represent a real life scenario, and should not be construed as advice designed to meet the particular needs of an individuals situation.

 

 

You may be mentally ready to retire, but do you know if you're financially ready to retire? Here's how to find out!

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