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 B O OM ER S!
F U N D I N G YO U R
FUTURE
IN AN AGE OF
U N C E R TA I N T Y

BY MARK MILLS, CFP, AND NANCY MILLS

00_Boomers_FrontMatterx.indd i 6/4/07 10:06:42 AM

 This publication is designed to provide accurate and authoritative information
in regard to the subject matter covered. It is sold with the understanding that the
publisher is not engaged in rendering legal, accounting, or other professional
service. If legal advice or other expert assistance is required, the services of a
competent professional should be sought.

Editorial Director: Jennifer Farthing

Development Editor: Mary Good
Production Editor: Fred Urfer
Production Artist: Janet Schroeder
Cover Designer: Rod Hernandez

© 2007 by Mark Mills, CFP, and Nancy Mills

Published by Kaplan Publishing,

a division of Kaplan, Inc.

All rights reserved. The text of this publication, or any part thereof, may not
be reproduced in any manner whatsoever without written permission from
the publisher.

Printed in the United States of America

August 2007

07 08 09 10 9 8 7 6 5 4 3 2 1

ISBN 13: 978-1-4277-5469-1

Kaplan Publishing books are available at special quantity discounts to use

for sales promotions, employee premiums, or educational purposes. Please
email our Special Sales Department to order or for more information, at
[email protected], or write to Kaplan Publishing, 1 Liberty Plaza,
24th Floor, New York, NY 10006.

00_Boomers_FrontMatter.indd ii 5/15/07 3:17:38 PM

 DEDICATION

This book is dedicated to Adam, Tammy, Jacob, Carrie,

Grant, and Lauren. You make life worth living, at any age!

iii

00_Boomers_FrontMatter.indd iii 5/15/07 3:17:39 PM

00_Boomers_FrontMatter.indd iv 5/15/07 3:17:39 PM
 C o n t e n t s

Acknowledgments xi
Preface xiii

PART ONE
PLANNING
1. You Are Your Best Asset 3
Lifelong Learning 4
Maintain Your Health 4
Measuring Up 5
Nurture Relationships 6
The Joys of Work 7
Measuring Up 9
Investments 12
Assets from Uncle Sam 13
Property, Plant, and Equipment 16
Time on Our Side 17

2. Here Today, Where Tomorrow? 19

Make Your Own Blueprint 20
Crunching the Numbers 22
And the Number Is . . . 22
Boomer Optimist 24
The Inflation Factor 25
Debt Is a Four-Letter Word 26
Planning with a Pro 27
How Planners Are Paid 29
The Not-So-Almighty Dollar 30

00_Boomers_FrontMatter.indd v 5/15/07 3:17:39 PM

 vi Contents

PART TWO
WORK

3. Workplace Revolution 35
Purpose and a Paycheck 36
Alexandra Bassil’s Story 38
Will You Still Need Me . . . When I’m 65? 39
Age Discrimination in the Workplace 41
Strategies for Keeping Boomer Talent 42
Staying in the Game 44
Promises and Perils of Early Retirement 45

4. Blueprint for a Boomer Career Change 47

Time to Dream Big 48
Jim Fripp’s Story 49
Let the Journey Begin 50
Self-Exploration 50
Research 53
Action 55
Sandra Sessoms-Penny’s Story 57
Don’t Quit Too Soon 58

5. Time to Be Your Own Boss? 61

Can You Cut the Mustard? 63
You Against the World 64
Jeff Williams Interview 64
From Hobby to Business 67
Risky Business 68
From Passion to Paycheck 69
Make a Business Plan 70
Business Based on Values 72

PART THREE
HOME

6. The Next Boomer Housing Boom 77

Boomer Bellwethers 78
What’s Your Pleasure? 80
Age in Place 82
Making the Case for Home Cookin’ 83
Put It in Reverse to Move Forward 84

00_Boomers_FrontMatter.indd vi 5/15/07 3:17:39 PM

 Contents vii

Age in Community 85
Simplify 86
Get Out the Calculator 87
Single and Downsizing 88
Age in Region 90
Relocate 91
Where the Buffalo Roam 93
Combo Plate 94
Preserve Your Equity 96

7. It’s Your Move 97

Active Adult Communities 98
Housing to Match Values 99
Creature Comforts 100
It’s My Turn 101
Family Matters 102
Big Boomer on Campus 103
Cohousing 105
Build Your Dream House 107
Avoid the Home-Building Blues 110
Hasta la Vista, Baby 113
Field Guide to Living Overseas 115
Retiring to Paradise 118

PART FOUR
MONEY
8. Boomer Guide to the Basics of Investing 123
Designing Your Portfolio 124
Stock Essentials 125
Vive la Difference 125
Sizing Things Up 126
Marching to Their Own Drummers 128
Size Matters 129
You Gotta Have Style 129
Style Points 131
Chart Your Course 131
Profits and Prices 133
Making Your Picks 134
Going Global in a Flat World 135
Get a Load of This 136

00_Boomers_FrontMatter.indd vii 5/15/07 3:17:39 PM

 viii Contents

Key Points of Stock Investing 136

Getting a Fix on Fixed-Income Investments 137
Why Bond Prices Go Up or Down As Interest Rates Change 138
Bonds Have Style, Too 138
Key Points of Bond Fund Investing 140
Bonds to the Rescue 141
Cash on the Barrel 141
Cash in Retirement Plans 142
Long-Term Returns 142

9. Making the Most of Your 401(k) 145

Rules of the Road 146
Give Yourself a (Tax) Break 147
Get Your Cheeseburger in Paradise 148
What Color Is Your Portfolio? 149
Retire in 5 Years 150
Retire in 10 Years 151
Retire in 15 Years 153
Retire in 20 Years 154
Model Portfolios Summary 155
Hitting the Target 156
Look at the Big Picture 157
Emotions Are Hazardous to Your Portfolio 157
Maintain Your Balance 158
Keep Beneficiaries Up to Date 158
Borrowing Trouble 159
Rollover Beethoven 159
Rollover Pitfall 160

10. Retirement Savings Toolbox 161

Individual Retirement Accounts 162
Roth IRA 166
Retirement Plans for the Self-Employed 170
Simplified Employee Pensions Plan, or SEP-IRA 170
Solo 401(k) 172
Annuities 173
Social Security: When to Start Collecting 178

11. Living on Less 183

Big Apple to the Little Apple 184
Crunching the Numbers 186

00_Boomers_FrontMatter.indd viii 5/15/07 3:17:40 PM

 Contents ix

Smart Ways to Save Money 187

Coupons to Cash 194
Capture the Savings 195

PART FIVE
HEALTH
12. Bridging the Health Care Gap 199
Defanging COBRA 201
Snakebit Despite COBRA 202
Getting Hip to HIPAA 202
Preexisting Conditions and “Breaks in Coverage” 203
What’s Your State of Health? 204
Buying in the Open Market 205
A Defining Moment 206
Let’s Go Shopping 207
Will You Qualify for an Individual Health Plan? 212
Where to Look, What to Ask 213
Health Insurance Policy Checklist 214
The Fine Print Matters 215
Health Savings Accounts 215
Making a Healthy Change 220

13. Health Care for the Long Haul 223

Medicare Overview 223
Medicare Benefits 225
Part A 226
Part B 228
Part C—Medicare Advantage 231
Part D—Prescription Coverage 232
Medigap—Medicare Supplement Insurance 234
Budgeting for Health Care 239
Long-Term Care 240
Activities of Daily Living—ADL 242
Financing Long-Term Care 242
Long-Term Care Policy Features 243
Health Care: The Big Picture 248

00_Boomers_FrontMatter.indd ix 5/15/07 3:17:40 PM

 x Contents

PART SIX
FAMILY AND COMMUNITY
14. Four Generations: Boomers on Point 251
The Certain Journey 252
Boomers and Boomerang Kids 254
(Grand) Parents in a Pinch 256
RINKS and DINKS 258

15. An Encore Performance 261

Boomers and the “Helping” Professions 263
Many Ways to Serve 264
An Experienced Farmhand 266
Giving Circle 268
Vacationing Vet 269
Here’s to Your Health 271

References 273
Index 275

00_Boomers_FrontMatter.indd x 5/15/07 3:17:40 PM

 A c k n o w l e d g m e n t s

While the authors have their names on the cover, this book
builds upon the work of many, nearly all of them members of
Boomer Nation. We especially thank our partner, Bill Charette,
who lit the Boomers’ path and helped us repeatedly along the
way. We thank our colleagues and collaborators, including John
Carver, Michael Azevedo, Katie Gulde, Gino Mauro, Ann Peck,
Paul Stern, Art Cohen, Gene Mackles, Marty Gardner, and Shady
Hartshorne. The insights and enthusiasm of career experts Lin
Schreiber and Jeff Williams are most appreciated.
We thank Michael Kolowich for his guidance and technical
wizardry, Judy Goggin of Civic Ventures for her friendship and
support, and Larry Brink for his wise counsel, generosity, and
decades-long friendship.
Our heartfelt admiration goes to John Rosenthal for his sup-
port and for setting a high standard for all Boomers. We thank
Tom Davison of American Public Television for his encourage-
ment and patience.
We thank the many authors who taught us much and whose
work we have quoted, including Fred Brock, Dee Lee, Marc
Freedman, and Abigail Trafford.
Much appreciation and thanks go to Mary Good, or Good
Mary, whichever you prefer. She is our editor at Kaplan and
helped to pull us through the process as first-time authors.

xi

00_Boomers_FrontMatter.indd xi 5/10/2007 12:08:55 PM

00_Boomers_FrontMatter.indd xii 5/10/2007 12:08:55 PM
 P r e f a c e

We are Boomers, members of a generation 78 million strong,

born in the prosperous postwar years of 1946 to 1964. As mem-
bers of the older half of the Boomer generation, we shared the
good and the bad of many life-shaping experiences. We ducked
for cover under school desks in Cold War drills, but eventually
saw the Berlin Wall come down. We reveled in the early years
of rock ’n’ roll, only to see John Lennon gunned down on the
streets of New York. While President John F. Kennedy inspired
us, his assassination and those of Martin Luther King Jr. and
Robert Kennedy were all crushing blows.
Many Boomers protested against the Vietnam War and in
favor of civil rights, equal rights, and a cleaner environment.
Our distrust of the establishment deepened with the Watergate
scandal. We came of age in revolutionary times, a generation
hell-bent on challenging authority and changing the world.
Now, as the oldest Boomers enter their early sixties, we are
poised to launch a new revolution, reinventing “retirement” and
redefining aging in America. With advances in medicine and
greater awareness about diet, exercise, and the risks of smoking,
many Boomers will make it to age 100. The U.S. Census Bureau
estimates that by 2050 there will be nearly one million centenar-
ians. If Willard Scott were still doing the weather on TV, he would
have to spend all day congratulating Boomers who were hitting
the century mark. For a healthy couple age 65 today, there is a 50
percent chance that at least one of them will live to age 92. That’s
27 years past the traditional retirement age of 65. And many will
go well beyond that.
Today’s Boomers may be around to benefit from remarkable
breakthroughs in fields such as stem cell research and nano-

xiii

00_Boomers_FrontMatter.indd xiii 5/10/2007 12:08:55 PM

 xiv Preface

medicine, which promise dramatic advances in the diagnosis

and treatment of cancer, heart disease, diabetes, and other life-
threatening illnesses. Add 20 years of scientific progress, and
today’s fifty-year-olds may reach 70 with well-founded hopes of
enjoying healthy, active lives to 100 and beyond.
Many will use that “longevity bonus” to change careers, start
a business, pursue hobbies, get an advanced degree, spend time
with family, and give back through civic engagement. Whatever
they do, they will not withdraw to the sidelines; they will not slip
quietly into later life. Boomers are all about seeking new adven-
tures, experiences, accomplishments, and relationships.
“It’s the first time in evolution that we have ever lived so long,
so well,” says Abigail Trafford, author of My Time: Making the Most
of the Bonus Decades after 50. “This changes the landscape from
sex to politics, to family to work to creativity, and we’ve only just
begun to see what’s going to happen in this revolution.”

“THE BIG CHURN”

Still, these wonderful prospects are not without risks and

worries. Many Boomers are finding themselves in a time of
transition. Millions are becoming empty nesters while others
are coping with divorce and being single again. Many are still
raising children while also caring for elderly parents. “I call it
the big churn,” says Trafford. “There’s a lot of loss. You get to
this period in life when doors close, it’s absolutely true. There
are a lot of problems at this time. You lose your parents, you may
suffer in the workplace, your kids go off, and you wonder ‘what’s
next?’ But other doors open. The good news is there’s potential
here. There’s potential in relationships, there’s potential in work.
I have talked to so many people, and they’ve regenerated, they
found new lives and they’ve said, ‘I can’t believe it.’ But these are
really good decades in life.”

00_Boomers_FrontMatter.indd xiv 5/10/2007 12:08:55 PM

 Preface xv

The setbacks and the opportunities at this time of life make

for a mixed blessing, a yin and yang of regret and relief, sadness
and joy, optimism and uncertainty. The aim of this book is to
inspire Boomers to grab the possibilities, and to offer guidance
on navigating the challenges.

NOT YOUR FATHER’S RETIREMENT

Retirement used to be an event: a good-bye party and a gold

watch. For most Boomers, fathers were the principal breadwin-
ners. When it was time to retire, our dads usually quit work
cold turkey, and began what was billed as a life of leisure, or a
permanent vacation. For Boomers, “retirement” will not be an
event but a process, an evolving life chapter that lasts for years
and includes a mix of paid work, education, volunteering, family
activity, travel, and recreation. Eventually, Boomers will adopt
a more traditional retirement lifestyle, but at a much later age
than did our parents’ generation.
This will happen for two main reasons. First, Boomers want
to stay in the game, to enjoy the satisfaction, sense of accom-
plishment, and meaningful relationships that are part of the
work experience. Second, they can’t afford to quit. This is not
a generation of dedicated savers. Growing up during the Great
Depression, our parents may have learned to be thrifty. But those
lessons didn’t transfer to the Boomers, who came of age in afflu-
ent postwar America. For both the psychic benefits and financial
rewards, Boomers will remain in the workforce in some capacity.
They will make it fashionable to keep on truckin’, and “uncool”
to drop out for a life of bingo and early bird specials.
Studies indicate that 75 to 80 percent of Boomers plan to do
some kind of work after age 65. The desire to continue working
may vary by occupation. If you work in an office setting, it’s not
too hard to roll up to the computer for a few years after age 65 to
keep reading and writing email. But if you’ve been cranking away

00_Boomers_FrontMatter.indd xv 5/10/2007 12:08:56 PM

 xvi Preface

for 30 years in construction or at a meat packing plant, you may

not be too eager to keep punching the time clock and pounding
away at your body.
But will the economy have room for all these aging Boomers
to keep working? Age discrimination has been a serious problem
in the American workplace for years. It could become an epi-
demic with so many older workers in need of a paycheck. But the
generation coming up after the Boomers is smaller. It has fewer
workers to feed a growing economy. Many employers will need to
retain the skills, experience, and solid work habits of the Boomer
generation. We may see a happy coinciding of Boomers who want
to keep working, and employers who need all the skilled hands
they can find.
Work has become less physically demanding, which enables
people to stay on the job longer. Most working Boomers are
computer literate so they can handle many of today’s workplace
tasks. They may even be able to telecommute from home, saving
employers the cost of office space. The U.S. economy has seen an
increase in the use of part-time and temporary workers, which
fits neatly into the Boomer desire for part-time employment in
“retirement.”
More and more, we will find Boomers who consider them-
selves to be both “retired” and working. Both will be true, but the
work will be in a post-career job, probably part-time and hope-
fully in a field that is personally satisfying.

THE TIMES THEY ARE A-CHANGIN’

While we believe many Boomers will have tremendous

opportunities to live exciting and fulfilling lives as they age, we
also recognize that we live in uncertain times. Americans face
an array of challenges, as a nation and as individuals. From the
war on terror to our bulging fiscal deficits, from global competi-

00_Boomers_FrontMatter.indd xvi 5/10/2007 12:08:56 PM

 Preface xvii

tion to global warming, we live in an era fraught with risks and

uncertainties.
Ward Cleaver never seemed to worry about job security;
today it is a fact of life. Companies are restructuring, shutting
down pensions, and forcing workers to pay more for health insur-
ance. We urge people to contribute to their 401(k) plans, but
guess what? Now you have to be your own pension fund manager
in addition to everything else you do in your life.
We all get annual statements from the federal government
detailing our projected Social Security benefits, but Federal
Reserve Board Chairman Ben Bernanke calls Medicare and
Social Security “unsustainable entitlement programs.” To keep
them going we have to either cut benefits or raise taxes. Presi-
dent Bush proposed private Social Security accounts. But instead
of a guaranteed fixed monthly payment, with private accounts,
individuals assume the risk of how their investments perform.
Some people would be winners in that system, but there would
also be losers.
Traditional social safety nets are less reliable. The old three-
legged stool of retirement savings is getting wobbly. As we near
the end of our active careers, the system of guaranteed pensions
and rock solid Social Security that worked for our parents is fad-
ing. We are seeing a transfer of risk, burden, and responsibility
from institutions to families and individuals. The reality is we are
all much more on our own.
Some Boomers will benefit from an inheritance, but the par-
ents of Boomers are also enjoying increased longevity. They are
having a grand time spending their money, as well they should.
Many older Americans will require nursing home care, which
will rapidly deplete their savings. While Boomers should talk to
their parents about estate plans, living wills, and medical prox-
ies, most should not be counting on Mom and Dad to bail them
out of their faulty retirement planning.

00_Boomers_FrontMatter.indd xvii 5/10/2007 12:08:56 PM

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