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hec ha l l engesoft oda y’ sec onomyha sev ent he mos tc onfidentques t i oni ngt hei ra bi l i t yt oma k eendsmeet-muc h l es sbei nga bl et ooffert hei rf a mi l ywha twa sonc ec ons i der ed nor ma l r ewa r dsf orha r dwor ks uc ha sv a c a t i ons , newc l ot hes , a ni ghta tt hemov i esa nddi ni ngout . Soher ea r eT enT i pst oRec ha r geY ourOpt i ma l Pr oduc t i v i t y , Ha ppi nes sa ndConfidenc e: 1.L i s t ent oa ndF ol l owY ourI nt ui t i on. Dur i ngt hes et r y i nga nddi ffic ul tt i mes , i t ' snec es s a r yt or epr i or i t i z e i nor dert oa c hi ev et hebes tout c omes . Y ouri nt ui t i oni smos tof t en c or r ec twheni tc omest oy ourl i f e , wor ka ndr el a t i ons hi ps . Soev en i ft her e ’ a ni nk l i ng-at i nyr ev el a t i on-t a k eamomentt or ec ogni z e i ta ndt henmov ef or wa r da c c or di ngl y . 2.S t a ywi t hi nY ourI nt egr i t y-NoMa t t erWha t . Nor ea s onorper s oni si mpor t a ntenought oev ers t r a y .I fy ouha v e t r i edt hi sov ert hey ea r s , whet heri nt ent i ona l l yornot , y ouk nowi t a l wa y sba c k fir es . 3.L ov ea ndL a ugh! Bot ha r epr ov ens t r es sr educ er s .Ha ppi nes si sc ont a gi ousa nda wa r m hugi sr enewi ng.Ma nypeopl eneedmor eofbot hnow whi l ebei ngs ur r oundedbynega t i v i t y , di ffic ul tt i mesa ndc ha os , a s wel l a sbei ngi mmer s edi n, " t henewr ea l i t y " . Got oac omedyc l ub, wa t c hagoods i t c om a nds pendt i mewi t hf r i endsa ndf a mi l y member swhoa r ef unny .L a ught erI St hebes tmedi c i nef orbot h bodya nds oul . 4.F or gi v eY our s el ff orMi s t a k es-L etGoa ndMov eOn. Sel f f or gi v enes si ses s ent i a l i nor dert of or gi v eot her s .F or gi v enes s i sa l s oes s ent i a l t ol etgoofa nger , ama j orobs t a c l et oha ppi nes s . 5.T a k eT i meE a c hDa yt oRel a xa ndDr ea m. Weneeddownt i memor et ha nev er .Honory ourmet hodof r el a x a t i ona nda l l owdr ea mst os ur f a c e .Beopent ol ea r ni ng a ddi t i ona l r el a x a t i ont ec hni quesa ndgi v et hem at r y .Wha t ev er wor k sf ory oua ndwhenev ery oudoi ti sfinea sl onga si tha sno MI L L ENNI UM |22
nega t i v eeffec t sonhea l t horov er l a pswi t hper s ona l orwor k r es pons i bi l i t i es . I ft hi ngsa r eunma na gea bl e-gethel p i mmedi a t el y . 6.BeaGr ea tl i s t ener . L i s t eni ngi st hemos ti mpor t a ntpa r tofc ommuni c a t i on.I f y oudonotunder s t a ndwha ti sbei ngs a i d, a s kaques t i on. L i s t enwel l a ndy ourr es pons ewi l l bemor eont a r get . 7.S t a yHea l t hybyPr a c t i c i ngE x t r emeSel f Ca r e . ( Di et , S l eep, E x er c i s e , Y oga , Rel a x a t i onT ec hni ques ) S t r es st a k esi t st ol l onhea l t ha ndma yex a c er ba t ec ondi t i ons a l r ea dyi nex i s t enc e . T her ef or e , weneedt obemor edi l i gent i nt hi sr ea l mi nor dert ot hr i v ea mi ds tc ha os . 8.S t opPr oc r a s t i na t i nga ndT a k eAc t i on-Mov eF or wa r dor Dr opt hePr oj ec t . Wea l l pr oc r a s t i na t e . Ac k nowl edgementofbei ngi nt hi s modei st hefir s ts t epi nmov i ngf or wa r d.Al l pr oc r a s t i na t i on i sf ea rba s eda ndma ni f es t si t s el ft hr oughnega t i v e s t a t ement ss uc ha s , " I t ’ snott her i ghtt i menow, "a nd" Why ev enbot her ? " Somet i mest hea c tof" nondoi ng"i sa ni ndi c a t i ont ha tt he i deaneedst obet os s ed. Wha thol dsusba c kf r om a c c ompl i s hi ngourgoa l si s : •F ea roff a i l ur e . •F ea rofbei ngj udged. •F ea rofs uc c es s . •F ea rofbei ngc ont r ol l ed. T hes ef ea r sa r eof t enc a us edbydeepr out eda nx i et i es . No ma t t er . Y ouc a nt ur ni ta l l a r oundwi t hE mot i ona l F r eedom T ec hni ques( E F T)s uc ha smer i di a nt a ppi ngc ombi nedwi t h pos i t i v el a ngua gev i s ua l i z a t i on, r ef r a mi nga ndPea k Per f or ma nc eS uc c es sCoa c hi ng. Bal anceandPowerCont i nuedonPage47.
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Abl a c kdr es s . Ac r i s pbl ous ea ndk ha k i s . Ac a s hmer es wea t era nd j ea ns . T ha t ’ swha twewea ront heout s i debutunder nea t h, t he wor l di souroy s t era ndi tc a nbeawhol el otmor eda r i ng, r i s qué , a ndempower i ng. T oda y , womenofa l l s ha pesa nds i z eswea rs e x yl i nger i e . Us ua l l y , i t ’ sf ornoonebutt hems el v es .T heyf eel s e x ya ndc onfident wea r i ngs omet hi ngpr et t yundert hei rda y t oda yout fit s .T he s ec r etbenea t hma k est hem f eel l i k e“ t hec a tt ha ts wa l l owedt he c a na r y” . Nomor eoft hewhi t ega r t er s , gi r dl esa ndbus t i erofy es t er y ea r . T het ur nofc ent ur ys a wt hel i nger i ema r k etdr i v enbyt hea dv ent ofmoder nt ec hnol ogyt ha tc r ea t edi nnov a t i v epr oduc t ss uc ha s l a s er c ut , mol dedT s hi r tbr a s . Di dy ouk nowt ha tt her ea r eonl y28Vi c t or i a ’ sS ec r etmodel si nt he wor l d?T hes er a r ewomenha v eha dahugei mpa c tonl i nger i ea nd s ha pewea r , hel pi ngi tgr owi ngi nt oa$29. 8bi l l i onbus i nes s( a sof 2009) . Mor er ec ent l y , des i gner sbega nt oputgr ea t erempha s i son r i c hl ook i ngl a c es , hi t ec hf a br i c ss uc ha sc a r bon, s oya nd f r es hF X™, pl usbr i ght erc ol or sa ndpa t t er ns . S e x yl i nger i ei sf una ndfina l l yc omf or t a bl e . I fy ouha v en’ twor n a nys i nc ey ourhoney moona ndr ememberbei ngonl ypi nc hed a nds queez ed, c hec koutwha t ’ si nt hes t or esnow.T hey’ r enot onl yea s yt owea rbuts e x ya nds ens i bl ea tt hes a met i me . T her i ghtunder ga r ment sc a nel ev a t ey ourmooda ndi mpr ov e y oura t t i t ude . T heydonots i mpl yf unc t i ona sapr ot ec t i v ea nd s uppor t i v el a y erbet weens k i na ndc l ot hi ng, t heya ffec taper s on' s s el fi ma gea ndc ons equent l yhowot her sper c ei v et hem. Oneoft hes ec r et st obei ngc onfidenta c t ua l l yl i esunder nea t hi t a l l .Wea r i ngpr et t yl i nger i egi v esawoma nas ens eof empower mentl i k es he ’ snev erf el tbef or e . T r yi t ! NewYor kbasedbusi nesswomanCat hyBer ger ,f ounderofFashi onSoci et é, i st hef ashi onexper tpeopl ecal lont oassi stt hem wi t hget t i ngt hei ri magepol i shed. MI L L ENNI UM |27
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Asanent r epr eneur ,he pr ov i desananal y t i c al under s t andi ngoft he dy nami c sof ," beaut i f ul hai r "andhi sabi l i t i es i nc l udet r ai ni ngc r eat i v e t al entt ohel ppeopl e c el ebr at et hei rown i ndi v i dual l ook sand s t y l es .
Pet erLoui sAgr oi san i ndus t r yl eaderi nc r eat i v e s t y l i ng,heal t hyhai r managementandbeaut y . Hehasanadr oi t under s t andi ngofbeaut y t r endsandf as hi on i magi ng.Cr eat i v e s t r engt hsi nc l ude c onc ept ual i z i ngper s onal dev el opment ,s t y l i ng adv i c e,i ns t r uc t i onand pr ec i s i onc ut t i ng.
Si nc e1992,Pet erhas beenc ut t i ngands t y l i ng hai r ,wor k i ngi nc r eat i v e s t r at egywi t hi nt er nat i onal " hai rgur us "att het opt i er oft hebeaut ys c ene. Ser v i c i ngal oy al c l i ent el e i nf as hi on,beaut y , ent er t ai nmentands oc i et y , Agr omai nt ai nsongoi ng r el at i ons hi pswi t h pr omi nentf i gur esi n pol i t i c s ,l i t er at ur e,f i l m, andot hermedi a. Wor k i ngwi t hc el ebr i t i es andl oc al NewYor k er s , Pet erdec i dedt ol aunc h hi sowns uc c es s f ul s al on, t hePet erLoui sSal on,i n 1999,andal s oc r eat ed ani nnov at edwebs i t e, www. pet er l oui s s al on. c om. Ser v i c i ngNewYor kCi t y ' s hi ghendSut t onCor r i dor , t hes al onpr ov i desf ul l s er v i c ebeaut yandhai r c ar es ev enday saweek . Pet erLoui sSal on s pec i al i z esi nhai r t r eat ment swhi c hr equi r e ahi ghdegr eeoft ec hni c al s k i l l f orhai rex t ens i ons , J apanes es t r ai ght eni ng andhi ghl i ght i ng,aswel l asc utandc ol or .The s al onc ar r i ess omeoft he t ophai randbeaut y
pr oduc t swi t ht opl i nes l i k ePhy t ol ogi e,whi c hhe mak esav ai l abl ef or pur c has eatt hes al onor onhi swebs i t e. Pr i ort opur s ui nghi s degr eei nCos met ol ogy , Pet erear nedaBBAi n Mar k et i ngManagement f r om Bar uc hCol l ege.He al s oenj oy edas uc c es s f ul bus i nes sc ar eerwhi l e at t endi ngTheSc hool of Vi s ual Ar t sf ors c ul pt ur e, whi c hgav ehi mt he bac k gr oundandc our age t of ol l owhi sdr eamsand openhi sowns al on. Pet eral s os uppor t s y oungar t i s t sbyhel pi ng t hem pr omot et hei rwor k t ohi sc l i ent s ,f ami l y& f r i endsbyhos t i ngev ent s athi sgal l er y .ThePet er Loui sGal l er ymi s s i on s uppor t sv i br ant , emer gi ngar t i s t sby pr es ent i ngex hi bi t i ons t hati nc r eas et hepubl i c ’ s awar enes soft hear t i s t s ’ wor k .Thegal l er y nur t ur esar t i s t swho c hoos et ol i v eandwor k i nNewYor kandneeda v enuet oex hi bi tt hei rar t . Anar t i s twhoex hi bi t sat Pet erLoui sGal l er y r ec ei v eseduc at i onal f eedbac kand c ons t r uc t i v ec r i t i c i s m f r om j ur or s ,t hepubl i c , Pet er ’ speer sandof t en t hepr es s . Pet erdi v i deshi st i me bet weenhi sbus i nes s , phy s i c al f i t nes s ,aswel l ashi sar t i s t i cpur s ui t s .
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l l i z aKaur at ei soneoft hos es peci al model swhopos s es s t het al entandchar i s mat ocr os s overf r om model i ngt ot hebi gs cr een. S hehasachi evedt hi ss ucces s ,al l whi l ewor ki ngonherBachel or ’ s Degr eeatNew Yor kUni ver s i t y.S hehasherownDJbus i nes s , “DJ BADBUNNY”t hats t ar t edatCl ubBedi nNYC. S hehasgr acedt hecoverofS t eppi n’OutMagaz i ne,December2010 S peci al Edi t i on,andwasf eat ur edi nMax i mI nt er nat i onal .I ts eemst hat ever yt hi ngs hedoesgr avi t at est owar dsent er t ai nment ,gl amour ,andher l oveofmus i c. El i z awascas ti ncommer ci al sf orDomi no’ sPi z z aandAXE.S hebecame amemberofS AG andwascas tasanex t r ai nt hemovi e,‘ S pi der man3’ . Dur i ngf i l mi ng,s hes hott hr ee,12hours et s ,andappear ednex tt oJ onah J ames onatt hef i nal s cene–whenS pi der man( T obeyMagui r e)i sf i ght i ng S andman. El i z awasbor ni nt hef or merS ovi etUni onandhasl i vedbet weenNew Yor kCi t yandL at vi as i nces hewasf i veyear sol d.I n1999,atage14,s he movedper manent l yt oNew Yor kandhass i ncet r avel edt hewor l d, s pendi ngs ummer si nS t .T r opezandt heHampt ons .Wi t hi naf ew year ss he hades t abl i s hedher s el fasar unwayandcat al ogmodel f ors ever al campai gns ,i ncl udi ngEckoS wi mwearandVabi eneL i nger i e.S hewas t he,“Ul t r aGi r l ”andherl i f es i z ed“Ul t r aDance”pos t ergr acedbi l l boar ds al l overNew Yor kCi t y. El i z ahasal waysbeenatt het opofhercl as sandr ecei vedmanyawar ds t hr oughoutherl i f e.S hehass t udi edmoder ndanceands peaksf l uent Rus s i anandL at vi an.S hes t udi edS pani s hex t ens i vel yandi snow l ear ni ng F r ench.S hehasbeenamemberofPeopl ef ort heEt hi cal T r eat mentof Ani mal s( PET A)s i nceage15,donat i ngherl unchmoneyt ot hecaus e whi chs hecont i nuest os uppor tt oday. El i z ai sawor l dcl as sgl amourgi r l .Herbeaut y,i nt el l i gence,andchar i s ma ar et aki ngt hewor l dbys t or m!
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AI JAcont i nuedf r om page19. t hemoder nwor l dandwhatr ol e doyouseeyour sel fi nLat vi a' s f ut ur e. AT:Ri ghtnowIam wor ki ng wi t hLat vi anWomen' s Associ at i onandt heKi ndness Academyf orar t i st s,t obel i eve i nt hemsel ves.Lat vi ai s exper i enci nganeconomi cand pol i t i calcr i si sr i ghtnow.Iam ver yi nspi r edbyourf or mer Lat vi anwomanPr esi dentVai r a Vi keFr ei ber ga.Shei sa womanwhogavepowerand i nspi r at i ont omanywomeni n Lat vi a,andmet oo.
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T hef ol l owi nga r eaf ewc ommone x c us es peopl eus ewhent heya r e pr oc r a s t i na t i ng: T het a s ki s : •T oobor i ng. •T oot i mec ons umi ng. •I j us tdon’ tf eel l i k ei t . •I j us tdon’ twa ntt odoi t . •I ’ l l k nowwheni t ’ st her i ghtt i mea ndi t ’ s notnow. T hegoodnewsi st ha tE F Ti swonder f ul l y s uc c es s f ul i nr ev er s i ngpr oc r a s t i na t i on, bei ngt ha tus ua l l ydeeperemot i ona l i s s uesa r ei nv ol v ed. I ti sba s edont he s i mpl es t a t ementt ha tt hec a us eofa l l nega t i v eemot i onsi sadi s r upt i oni nt he body ' sener gys y s t em. I ti nv ol v est a ppi ng onmer i di a npoi nt swhi l ema k i ng s t a t ement sa boutt hei s s ue . Knowi ngt ha ty oua r ea f r a i dwi l l not ma gi c a l l yr emov ef ea rorc ha nge beha v i or .Y ouc a nus eE F Tt oer a di c a t e t her oa dbl oc k sofgui l ta ndf ea rt ha tk eep y ouf r om mov i ngf or wa r d. Wheny ouus e E F Ta nds t i mul a t et hea c upr es s ur epoi nt s , t hel ev el ofs er ot oni ni nt hebr a i nr i s es
a ndfloodst hea my gda l e , t hes ec t i onof t hebr a i ni nv ol v edwi t hc ont r ol l i ng emot i ona ndf ea r , a ndt het r epi da t i on l oopi sdi s c onnec t ed. Onc et hebr a i ns t opse x per i enc i ngf ea r wi t ht hepr operE F Tt a ppi ng, s et up phr a s esa ndi nt ui t i v eNeur oL i ngui s t i c Pr ogr a mmi ng( NL P) , y ouwi l l findt ha t y ourt hought sa ndbeha v i or st r a ns f or m effor t l es s l y . Ac c or di ngt oNL PCent er . c om, “ NL P e x pl or est hei nnerwor k i ngsoft he huma nmi nd: howwet hi nk , howwe dev el opourdes i r es , goa l sa ndf ea r sa nd howwemot i v a t eour s el v es , ma k e c onnec t i ons , a ndgi v emea ni ngt oour e x per i enc es . NL Ppr es ent st hes pec i fic s k i l l sa ndpa t t er nsnec es s a r yt oma k e pos i t i v ec ha nges , c r ea t enewc hoi c es , be mor eeffec t i v ewi t hot her s , br ea kf r eeof ol dha bi t s , s el f des t r uc t i v epa t t er nsa nd 9.Begi nE a c hDa ywi t haS hor t Medi t a t i ona ndPos i t i v eVi s ua l i z a t i onsof S uc c es s f ul Out c omesof Y ourGoa l s . Oh! I a ms omuc habel i ev eri nt hi s ! Res ea r c hha ss hownf a nt a s t i cr es ul t s .I t ' s a l l upt oy ou-a ndy ourc onnec t i ont oa hi gherpower / t heuni v er s e .
F ormos tofus , l i f eha snev erbeens o c ha l l engi ngi nev er ywa ypos s i bl es oi t ’ s i mpor t a ntnowmor et ha nev ert ha twe s t a ys ha r p, f oc us eda ndc onfident-j us t l i k et heE y eofaT i ger ! Ei l eenLi cht enst ei ni saCer t i f i edAnger ManagementSpeci al i st( exceptf orU. S. cour tmandat edcases) ,aCer t i f i edCar eer andMi dLi f eCoachandEFT( Emot i onal Fr eedom Techni ques)Pr act i t i oner .Shei s al sot her enownedaut horof“ SOAR!wi t h Resi l i ence™”ani nt er act i vemanualt hati s t hecor emat er i alf ormanyofhert r ai ni ngs andast andal onemot i vat i onalr eadf or anyonest r uggl i ngt ot aket hei rper sonalor pr of essi onall i f et oahi gherl evelof successandsat i sf act i on. Tol ear nmor evi si t www. bal anceandpower . com.
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e v e r s emo r t g a g e sr e pr e s e ntas ma l lf r a c t i o n o ft hemo r t g a g e sma r ke t ,butt he y ’ r eg r o wi ngf a s tbe c a us eo fs o me a l l ur i ngc o mpo ne nt s : The yl e ts e ni o r swi t hs ma l lr e t i r e me nts a v i ng s pul le qui t yf r o mt he i rho me sf o rc a s h,wi t ho utha v i ngt or e pa ya s l o nga st he ys t a yi nt heho me .Thepr e s s ur ef r o mt hei ndus t r yt o pus ht he s et a nt a l i z i ngpr o duc t si ss t r o ng . Ast heba bybo o me r s c o nt i nuet or e t i r et he ya r el i ke l yt obef l o o de dwi t ho f f e r st ha twi l l l o o ka t t r a c t i v ey e ts ho ul dber e s e a r c he dt ho r o ug hl y . Thea mo unty o uc a nbo r r o wi nar e v e r s emo r t g a g ede pe ndso ny o ur a g e ,t heho mev a l uea ndi nt e r e s tr a t e s .Ge ne r a l l yt heo l de ry o ua r e t hemo r ey o uc a nbo r r o w. Ac c o r di ngt oAARPt hea v e r a g ea g eo f bo r r o we r si sf a l l i ng .Wi t hl i f ee xpe c t a nc yr i s i ng ,pr o po ne nt swo ul d s a yt ha tt ur ni ngaho mei nt oa ni nc o mev e hi c l ema ke ss e ns e .The r e i smuc ht oc o ns i de r . I nt hec ur r e nte c o no my ,ar e v e r s emo r t g a g ei sno ta l wa y sawi s e i de a ,e s pe c i a l l ydur i ngt hee a r l yr e t i r e me nty e a r s .The r ea r eo t he r wa y st odr a wi nc o meo uto faho mes uc ha saho mee qui t yl o a n. Wi t hi nt e r e s tr a t e sa tc ur r e nthi s t o r i c a ll o ws ,aho mee qui t yl o a n ma ybeamo r ef l e xi bl ea ndc he a pe ro pt i o n.Di s c us s i ngt hi s pr o c e s sa ndt hei nv e s t me nto pt i o nswi t hy o urf i na nc i a lc o ns ul t a nt a ndt a xa dv i s o rma ybet hebe s tc o ur s eo fa c t i o n.The r ea r ema ny ba nksno wo f f e r i ngho mee qui t yl o a nsbe l o w4%. Wi t ht hepr o pe ri nv e s t me nta l l o c a t i o na ndpo t e nt i a lt a xde duc t i o n o nt hel o a ni nt e r e s ti tma yg i v emo r ef l e xi bi l i t yf o rf i na nc i a lmo v e s i nt hef ut ur e . Fo rma nyr e t i r e e s ,t he yne e dt oc a r e f ul l yc o ns i de rt her i s kso fs i g ni ng a nyc o nt r a c tt ha tt a ke sc o nt r o la wa yf r o mt heho me o wne ra ndg i v e si t t oa no t he re nt i t y .The r ei sat r a deo f ff o rt hei nc o me . Fo rma nyr e t i r e e s ,t he yne e dt oc a r e f ul l yc o ns i de rt her i s kso fs i g ni ng a nyc o nt r a c tt ha tt a ke sc o nt r o la wa yf r o mt heho me o wne ra ndg i v e si t t oa no t he re nt i t y .The r ei sat r a deo f ff o rt hei nc o me . Ther e c i pi e nt ’ spa y me nt swi l le ndupo nde a t ha ndt hee qui t yi nt he ho mei sno wo wne dbyt hea g e nc yt ha twr o t et hec o nt r a c t .I fi ti s
MI L L ENNI UM |48
y o urwi s ht ol e a v eaho mee qui t yl e g a c yt oc hi l dr e no rf a mi l yt he na r e v e r s emo r t g a g ei spr o ba bl yno tt hebe s ti de a . Re v e r s emo r t g a g e sha v et y pi c a l l ybe e nus e dbyo l de rr e t i r e e st opa y he a l t hc a r ec o s t s .Si nc et hee c o no mi cdo wnt ur n,t heAARPi ss e e i ng at r e ndo fy o ung e rme mbe r st a ppi ngi nt ot hi sc a s ht opa ydo wnc r e di t c a r dbi l l sa nds t ude ntl o a ns . Ev e nt hel a r g ea g e nc i e ss uc ha sFHA,whoa r ei nt her e v e r s e mo r t g a g eg a me ,c a nha v eo r i g i na t i o nf e e so fupt o2% o ft heho me v a l uea ndamo r t g a g ei ns ur a nc epr e mi um o f2%.The r ea r ea ddi t i o na l t i t l es e a r c ha nda ppr a i s a lc o s t si nv o l v e da swe l l . Ge ne r a l l ys pe a ki ng ,ar e v e r s emo r t g a g ei sal a s tr e s o r tf o rs e ni o r s whone e dt ot ur nt he i rho mei nt oa na nnui t ys t r e a m.Thec a s hf l o wi s c o upl e dwi t hs o c i a ls e c ur i t ya nda nype ns i o no ri nv e s t me nti nc o me i f ,a ndo nl yi f ,t he r ei sas ho r t f a l lt ha twi l la f f e c tt heba r ene c e s s i t i e s , i . e .f o o d,he a l t hc a r ea ndba s i cho us e ho l dbi l l s . The r ema ybeaf e wg o o de xc e pt i o nsf o rt a ki ngo utar e v e r s e mo r t g a g e ,buto net hi ngha sc a us e dmuc hc o nc e r n.To oo f t e nr e t i r e e s a r eur g e dt ous et hel o a nt opur c ha s ede f e r r e da nnui t i e swhi c ho f t e n pr o v i del a r g ec o mmi s s i o nst os a l e spe o pl e ,a ndma yno tbes ui t a bl e ,i n t he i ro wnr i g ht ,f o rs e ni o r s . I fy o ua r ei nt her e t i r e me nt“ r e dz o ne , ”i ti sbe s tt owo r kwi t ha n e xpe r i e nc e dr e t i r e me ntpl a nne rwhoha sdo neat ho r o ug hi nv e nt o r yo f y o ura s s e t sa nde xpe ns e s . Yo urr e t i r e me nthe a l t hs ho ul dbeat e a m e f f o r ti nv o l v i nga ni nv e s t me nta dv i s o r ,a c c o unt a nta nda t t o r ne y .I t ’ s ne v e rt o oe a r l yt opl a n. St evenMucci ol oi saRaymondJamesFi nanci al Advi sorandPar t ner atNewYor kWeal t hManagement ,ani ndependentf i r ml ocat edat401 Fr ankl i nAvenue,Sui t e.320,Gar denCi t y ,NY1 1530.Secur i t i es of f er edt hr oughRaymondJamesFi nanci alSer vi cesI nc.Member FI NRA/ SI PC. Anyopi ni onsar et hoseofSt evenMucci ol oandnotnecessar i l yt hose ofRaymondJames.Thi sar t i cl ei sf ori nf or mat i onalpur posesand doesnotconst i t ut ear ecommendat i on.