Charles S. Yanikoski, Retirement Adviser

Retirement is a whole new stage of life. Two stages, actually - early retirement, when we adjust to greater freedom from work, and late retirement, when we use our hard-earned wisdom to deal with the losses that aging brings.

Money matters during both stages, because it creates opportunities and imposes limits. But retirement should not be mostly about money.

Chuck Yanikoski can certainly help you un- derstand and manage your finances. But primarily he is an "integrative adviser" who works on the principle that retirement truly succeeds only when all aspects of life are clicking together.

Yes, you can afford it. 

Chuck specializes in working with middle-income folks, and is flexible about the amount and form of payment.

Not yet retired and:

• You want to know if you can afford to retire by a certain date (and if not, when).
• You are not sure what you want to do after you retire.
• You and your spouse or partner are not yet on the same page about what your future life should be like.
• You need to decide whether to accept an early retirement offer.
• A big change has occurred in your family or your own life, and you need to adapt to it, or help a parent or someone else adapt.
  

• You need help making all the financial decisions you are facing.
• You are trying to decide whether you need to or want to work after retire- ment (for pay, or as a volunteer).
• You wonder whether you should move, to save money or for other reasons.

• Retirement isn't what you expected, and you want to re-think your options.
• You are concerned that you might run out of money some day.
• You want to make sure that you have thought about the physical, mental, and spiritual issues of aging, and are prepared for what might happen.
• You feel that your financial situation needs to be reviewed in light of recent changes in the economy or in your life.