Growing Bolder Magazine: Vol. 36 by Growing Bolder

SP E E D C IT I IO AL N

The Villages, FL May 30

C O M E S E E U S AT T H E AT H L E T E V I L L AG E !

O R D I N A RY P E O P L E L I V I N G E X T R AO R D I N A RY L I V E S

Albuquerque, NM in partnership with The National Senior Games June 18

T I C K E T S AT G R O W I N G B O L D E R . C O M/ L A U N C H PA D

SPRING 2019 $ 9.9 9 G R O W I N G B O L D E R / VO L . 3 6

CONTRIBUTORS

R O G E R L A N D RY, M . D . , M . P. H .

Roger Landry, M.D., M.P.H. is a preventative-medicine physician and author. He is president of Masterpiece Living, a group of specialists in multiple aging-related disciplines who partner with communities to assist them in becoming destinations for continued growth. Dr. Landry specializes in building environments that empower older adults to maximize their unique potential.

CHRIST Y WILSON DELK

Christy Wilson Delk is a business professor at Rollins College in Winter Park, Fla., as well as a contributing franchise industry writer. Delk is a franchise educator. She consults, leads workshops and gives presentations about how to achieve greater performance and success through the franchise business model.

C O L L E T T E H AW

Chef Collette Haw studied at the prestigious Culinary Institute of America. After training in some of the countryâ€™s most-honored restaurants, she became a personal chef for celebrities. She launched her own business, Colletteâ€™s Clean Eats, to provide healthy, prepared meals for busy families. She is now partnering with the Winter Park Health Foundation to launch Nourish Coffee Bar + Kitchen in the new Center for Health & Wellbeing.

BOB KEALING

Bob Kealing is an award-winning author and historic preservationist. He is a six-time Emmy recipient and two-time winner of the Edward R. Murrow Award. He has co-founded three Florida landmarks and is the author of four books on pre-Disney history and culture in Florida.

K AY VA N N O R M A N

Kay Van Norman is president of Brilliant Aging and an internationally known author, writer and thought leader in healthy aging. Her passion is uncovering hidden barriers so that people can move from intending to age well into taking actions that will help ensure that they age well.

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AMY SWEEZEY

D E R R E C K K AYO N G O

Derreck Kayongo was named a 2011 CNN Hero for his work as founder of the Global Soap Project. Kayongo and his family fled Uganda as political refugees when he was a child. He went on to become CEO of the National Center for Civil and Human Rights in Atlanta, Ga. A sought-after speaker, Kayongo’s inspiring 2014 TED Talk and hundreds of media interviews teach audiences about the displacement of civil war.

J O S E P H F. C O U G H L I N , P H . D .

Joseph F. Coughlin, Ph.D. is director of the Massachusetts Institute of Technology AgeLab. A best-selling author, his research examines how the disruptive demographics of an aging society, social trends and technology will shape future innovations in business and government. He’s a regular guest on major media outlets worldwide.

DA N R I T C H I E

Dan Ritchie, Ph.D., is co-founder and president of the Functional Aging Institute, which certifies trainers worldwide to safely and successfully work with older clients. He’s an author and speaker with expertise in personal training for special populations: athletes, stroke recovery, Parkinson’s, multiple sclerosis, cerebral palsy, fibromyalgia and Alzheimer’s disease.

H E L E N VO N D O LT E R E N - FO U R N I E R C F P ®, J . D . , S P H R

Helen Von Dolteren-Fournier CFP®, J.D., SPHR is the founding member of the AEGIS Advisors, an independent boutique firm specializing in making sense out of life-planning strategies. She shares her 20 years of financial planning and legal experience as a prolific speaker on topics including life planning, retirement choices, aging parents and estate planning.

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STRENGTH TO TRAVEL WITH EASE Functional Fitness for Lower Body DA N R I T C H I E P H . D .

Functional fitness is not just about athletic performance. It’s also about functional ability and capacity. Each and every one of us is an athlete at some level. Some of you want to continue playing sports from pickleball to basketball, softball, golf and other lifetime sports. But what about the athletic ability to enjoy life with zest and adventure or race your grandchildren? Imagine you are climbing the Spanish Steps in Rome— all 135 of them— with your family. You are almost to the top, when your grandchildren say, “Race you to the top,” and take off in a burst of giggles. You chase after them; and in a burst of energy, and to their astonishment, you not only catch them but pass them. But, of course, as you near the top you slow down and let them win. Everyone laughs and highfives, and together, you take in the marvelous view of the Piazza di Spagna at the top. You get to cross that one off the bucket list. But more importantly, you also get a special moment with your family that you can cherish forever. Sounds great doesn’t it? What could be better? But what if you weren’t able to race up the stairs with your grandchildren because your body isn't fit and healthy enough? Because your joints ache. Because you just don’t have the energy. Because you were too worried that you would fall and either hurt yourself or embarrass yourself. 14

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What if you had to walk so slowly and take so many breaks that the grandchildren were no longer having any fun because they were too bored waiting on you? What if you couldn’t even climb the steps at all and had to wait at the bottom while the rest of your family created that special memory—without you? Let’s face it, the aging process can be unkind, and it wants to zap our bodies of stamina and vitality so that we aren’t able to enjoy special moments like these. Plus, we end up spending so much money taking care of our health needs that we no longer even have the money to travel and visit family like we want to do. It gets too expensive, and our bodies can’t handle it. This is exactly why we have focused our research and practice on functional fitness for what we call functional longevity. If there are things you can do every week that ensure you have the functional ability and capacity to age well and enjoy life in every decade wouldn’t you want to invest that time? Here are three foundational exercises to help build and maintain the ability to move with ease. They will help with lower-body strength, power, agility, balance and center-ofgravity control. They will improve your athletic or functional ability. If these movements are new for you, start slowly with one set and work your way up to three sets.

Here are three foundational exercises to help build and maintain the ability to move with ease.

Perform each exercise for 12-15 reps or for 1-2 minutes, 3 times per week.

They will help with lower-body strength, power, agility, balance and center of gravity control. They will improve your athletic or functional ability. If these movements are new for you, start slowly with one set and work your way up to three sets.

The Faux Jump

Pretend you are going to explode up from the floor and jump, finishing on your toes.

The Pick-Up Exercise

Pick up an object off the floor and put it back down, rotating through three positions. First, place the object on the ground inside your foot. Second, move the object in front of your foot. Third, move the object to the outside of your foot. Perform this sequence twice while keeping the same foot forward, just switch the object from one hand to the other. Then switch feet and repeat with the object in each hand again.

The Side-to-Side Hop and Shuffle Step

Ideally, you need a small-step platform for this exercise. Lunge side to side over the step while reaching with your arms as if you are skating. For an additional challenge, add a hop over the step and finish by holding your inside leg in a march position. 1

Dan Ritchie received his Ph.D. in Kinesiology with a minor in Gerontology. from Purdue University. Heâ€™s the co-founder and president of the Functional Aging Institute with expertise in personal training for special populations: athletes, stroke recovery, Parkinson's, multiple sclerosis, cerebral palsy, Fibromyalgia, Alzheimerâ€™s, etc. He regularly presents at national and regional conferences and has been active on committees for the American College of Sports Medicine. G R O W I N G B O L D E R / VO L . 3 6

NATIONAL SENIOR GAMES

Fitness, Fun and Fellowship DEL MOON

The National Senior Games is the largest multi-sport event in the world for people 50 and over. Founded in 1987, these Olympic-style games are held in different host cities every two years. This June, more than 12,000 qualified athletes will come to Albuquerque, New Mexico to compete in 20 diverse sports ranging from archery to volleyball. It would be easy to assume that the participants are all seasoned athletes focused on winning gold medals, since they have to qualify the previous year in one of 54 affiliated Member Games held around the country. But the real goal for most is to pursue an active, healthy lifestyle and enjoy the camaraderie of participating in an activity with other like-minded people. “People of a broad age span and level of ability participate in the Senior Games,” says Marc T. Riker, CEO of the National Senior Games Association (NSGA). “Some are elite or career athletes, but many others have just reconnected with their sport activities or taken up a new sport in midlife or even later.”

“Everyone has a competitive spirit and strives for their best performance,” he continues, “but many are primarily motivated by the social, physical fitness and quality of life benefits they derive from participation. We characterize Senior Games as offering fitness, fun and fellowship.” The commitment to advocate for healthy aging is ingrained into the DNA of NSGA. Its mission statement pledges “to promote health and wellness to adults 50 and over through education, fitness, and sport,” and the organization actively pursues partnerships and opportunities to motivate older adults to get moving and to keep moving throughout life. NSGA is the only sporting event with a fulltime health and wellness director, and its partners include the YMCA, American Council on Exercise, National Council on Aging, and the President’s Council on Sports, Fitness and Nutrition, among others.

The “Great Eight”

Visit NSGA.com for more information. 16

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The “Great Eight” are the athletes who have competed in every National Senior Games from 1987 through 2017. They exemplify the spirit of persevering through life’s challenges and obstacles to pursue their optimum health and well-being, which NSGA promotes as everyone’s “real personal best.” Read more about these amazing and dedicated athletes at NSGA.com/2017PB

Del Moon

We characterize Senior Games as offering fitness, fun and fellowship. G R O W I N G B O L D E R / VO L . 3 6

Savor the Season C O L L E T T E H AW

People think comfort foods and healthy foods are mutually exclusive, but that’s not true! I believe comfort foods are really what make you feel good. When people think about healthy eating, they think, “Oh, I have to eat a salad for the rest of my life.” But there are so many other nutrientdense foods people can eat that aren’t raw kale or steamed vegetables. Take this dish, for example. People usually associate ceviche with seafood, but I made this version using fresh, seasonal ingredients from my local farmer’s market. Not only is it colorful to look at, thanks to the acid from the limes and grapefruit, it explodes in your mouth with fresh, bright flavors. The best part about a recipe like this is you can customize it to your tastes, or to whatever’s in season. Experiment and enjoy!

Spring Farmers Market "Ceviche" Salad Yield: 10 Servings Ingredients 1 ½ cup fresh frozen edamame or fresh garbanzo or lima beans 2 ½ teaspoons lime zest 2/3 cup fresh lime juice ¼ cup avocado oil 2 scallions, thinly sliced 1 jalapeno, seeded and sliced thinly 1 large shallot, thinly sliced 2 cups fresh corn off the cob 2 grapefruit, supreme 3 Hass avocados, cubed 1 large bell pepper, thinly sliced (yellow, red, orange) 3 large heirloom tomatoes, sliced into wedges ¾ cup chopped cilantro Himalayan pink salt and fresh ground pepper to taste Directions If you’re using fresh, frozen, whole edamame, let the edamame thaw while you’re putting the rest of the recipe together. If you’re using fresh garbanzo or lima beans, remove them from the shell, blanch in boiling, salted water for 6-9 minutes and shock in an ice bath. (Ice bath: Fill mixing bowl with ice, cover ice with water until it’s about 50 percent water.) Combine the lime zest, lime juice and avocado oil in a small mixing bowl. Add the scallions, jalapeno and shallot and let it marinate in the vinaigrette while preparing the rest of the salad. In a separate mixing bowl, add the fresh corn, grapefruit, avocados, bell peppers and cilantro. Lightly toss all those ingredients together, add the vinaigrette with the scallions, jalapeno and shallot to the bowl with the heirloom tomatoes and lightly toss once more. Season to taste, and let the salad marinate in the fridge at least an hour before serving. Nutrition facts (per serving):

Chef Collette Haw believes you don’t have to sacrifice flavor or convenience for healthy eating. With her classical French training from the prestigious Culinary Institute of America in Hyde Park, New York, Haw has unlocked innovative new ways to combine healthy eating with delicious food. She spent several years training in some of the country’s most-honored restaurants before embarking on a new path—becoming a personal chef for celebrities. The role inspired her to create healthy prepared meals for busy families, so she launched Collette’s Clean Eats. She’s now focused on partnering with the Winter Park Health Foundation to launch Nourish Coffee Bar + Kitchen in the new Center for Health & Wellbeing. 20

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Calories per serving: 118 Total fat: 3.6g Saturated fat: .4g Cholesterol: 0mg Sodium: 58mg Carbohydrates: 19.9g Fiber: 4.4g Total Sugar: 6.1g Protein: 4.7g

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THE TIME IS NOW Stop Waiting Until ‘Someday’ to Fulfill Your Dreams AMY SWEEZEY

I always wanted to write a book. As a journalism major in college, I’d written for newspapers, magazines, radio and television. There were no blogs then since the internet didn’t even exist; but if it had, I’d have probably been a blogger. Writing was an enjoyable, creative outlet. I was a selfproclaimed member of the grammar police and a spellingbee champ. I loved to read. I loved words. How hard could it be? I could write a book. No problem. It would be my dream come true. Fresh out of college in my 20s with my first real job, I had lots of dreams and my whole life ahead of me. And then, life happened. Having an idea is almost always easier than making the idea a reality. It’s easy to dream. It’s harder to take the steps to make your dreams come true. Unlike Cinderella, we tend to let life get in the way of our dreams rather than to help us reach those dreams. For me, I went from dating to marriage, then a new job and a big move. Next was three kids and another house. The hours at work were demanding. The mortgage was due. There’s not enough sleep, not enough time, not enough energy. When life happens, the dreams get put on hold. I loved my family. I loved my job. I wasn’t willing to give any of it up, so I decided, “I’ll write my book later—perhaps when I retire.” I didn’t really see it as giving up my dream. I was simply putting it on hold. I wasn’t letting go of the idea. I was simply lowering its priority. Through the years I jotted down notes. I put ideas on paper and thoughts in files. I kept in the back of mind that “one day I’ll write a book.” 22

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I was several years into my 40s when a friend wrote a book. He self-published, which I didn’t even know existed. I asked a lot of questions. I researched. I Googled. I made lots and lots of lists. At some point my “ah-ha” moment came when I decided the time was now. I could keep putting off the book until retirement, until I had more time, or I could start today. I told myself that making dreams come true could happen at any age—not just fresh out of college or at retirement. So, I started writing. But more importantly, I started making my lists. It was about taking small steps and making my goals attainable little bits at a time. I couldn’t just put “write a book” on my bathroom mirror and stare at it every morning (I’m sure by now you’ve heard of the “dream board,” which has become quite popular).

was my trade-off. I didn’t have the luxury of moving to France for six months to simply write (like is often portrayed in movies). Instead I had to make my dream fit my life. “Research book genres” and “email editors for samples” started showing up on my to-do list next to “do laundry” and “pick up kids from school.” I’m sure you’ve heard the quote, “The days are long, but the years are short.” It was in a book. It’s in a country song. There are even versions of it in Bible verses. It resonates with so many people that it’s become a cliché. If you haven’t heard it, it likely still has meaning to you. It sure does with me. Just watch your kids. One day they’re in diapers and the next, they’re graduating from high school. While you’re elbow-deep in messy diapers, you think it will never end. And

I surrounded myself with encouragers and helpers and cut out the negativity. I quickly realized that staring at pictures of book covers wasn’t going to get my book written. I had to take action. The thing about taking action is you have to actually do the work. No one can do it for you. You have to make up your mind and then take steps. Make a list. Do the work. Make a little progress every day. Other people can support you. Other people can encourage you. But other people can’t do the work for you. If you want to learn to golf, you have to take that lesson. If you want to lose 10 pounds, you have to stop eating that cookie for breakfast and walk that extra mile. You can hire someone to clean your house. You can hire someone to cook your food. You can hire someone to help take care of your kids. But if you want to accomplish something for you, then you are the only one who can do it. I surrounded myself with encouragers and helpers and cut out the negativity. I didn’t need anyone to tell me that I was too busy to write a book. I needed people to walk beside me and help ease the load so I could focus. Working on my book in the middle of living my life and enjoying my family meant that the process was slower. That

Will it be hot or cold? Sunny or cloudy?

Have you ever wondered how forecasters on TV can tell what the weather will be? In Let’s Talk Weather, you’ll find answers to these questions and more, from the science behind the weather, to the tools and instruments used to measure it. Get a behind-the-scenes look at how broadcast meteorologists gather information and work to keep you safe during dangerous

LET’S TALK WEATHER

How do meteorologists predict the weather? Why is the weather constantly changing?

weather, like tornadoes and hurricanes.

SWEEZEY SWEEZEY

is an award-winning Broadcast Meteorologist and mom of 3.

For more than 20 years, she has delivered daily forecasts on television and spoken to countless groups of children about weather. In her latest book, Let’s Talk Weather, Amy explains the science behind the forecast and the tools she uses for predicting weather changes. She lives in Central Florida with her family. You can find Amy at www.amysweezey.com

AMY SWEEZEY

AMY AMY

TV FORECASTING: BEHIND THE SCENES

AMY AMY

SWEEZEY SWEEZEY

yet, suddenly it does. Like everyone else, I’m tired. I’m busy and overwhelmed and trying desperately to stop and smell the roses along the way. I’m in the stage of life where my kids are still needy. I chauffeur and I cook. I homeschool part-time. I wake up at 2 a.m. for my fulltime job. I have years left on my house payment. My husband and I are too often ships that pass in the night rather than teammates who are doing life together. It takes a concentrated effort to enjoy life and family while not letting the years fly by. Little bits at a time, I’m making my dreams come true. In 2015, I self-published my first children’s fiction book, It Never, Ever Snows in Florida. In 2017, my non-fiction book, Let’s Talk Weather, TV Forecasting: Behind the Scenes, hit store shelves. Now, in 2019, I’m working on book No. 3. It’ll be a fiction chapter book about a little girl who loves weather. Instead of waiting until retirement to begin writing books, I’m taking steps to live my dreams now. It’s not always easy and often takes much longer than I’d like. But I know I can’t wait until I have the time. There’ll never be enough time. Not only did I write my book—I’ve written (almost) three!

Amy Sweezey is an award-winning broadcast meteorologist and mom of three. For more than 20 years, she has delivered daily forecasts on television and spoken to countless groups of children about weather. Sweezey has authored two children's books: the fiction It Never, Ever Snows in Florida and the nonfiction Let’s Talk Weather, TV Forecasting: Behind the Scenes. Her third book is due out in late 2019. She lives in Central Florida with her family. You can find Amy at amysweezey.com.

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Blake Blakely Photography, BeTheMatch.org 36

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HE'S FOUND HIS MATCH Robert Masson, M.D. Likes a Challenge, and He’s Found One MARC MIDDLETON

Robert Masson, M.D. is alone in the cockpit of a high-powered Le Mans prototype. He’s competing in one of sports’ most prestigious races against the best drivers in the world. It’s pitch-black, and it’s pouring rain. The track is dangerously slick. Multi-million-dollar race teams are spinning out, crashing, hitting walls and struggling to survive. Masson is, as he describes it, “in the flow.” He’s the calm in the eye of a 180-mph storm. Masson is 55, decades older than most of the other drivers, and he never sat behind the steering wheel of a race car until four years ago. His meteoric rise in motorsports led him to the World Center of Racing and dumped him into the center of high-speed chaos. Later, he offers what may be one of sports’ most unusual post-event sound bites: "My family and friends understand that my participation in racing gives me structure and clarity around the importance of safe, simple, incremental, perpetual improvements in performance.” If it sounds like he’s a surgeon and an engineer, it’s because he is. Masson is a renowned spine surgeon known worldwide for transforming complex surgical procedures into minimally invasive processes that can be performed quickly, with little trauma and rapid recovery. He not only invents the procedures, in many cases, he designs and creates the tools necessary to implement them. It’s that reputation that led Be The Match®, a national marrow donor program, to ask if he was interested in helping reinvent the bone-marrow biopsy, donation and transplant procedures. His answer was immediate: “Hell, yes! “ Be The Match is operated by the National Marrow Donor Program and connects people with life-threatening blood cancers, like leukemia and lymphoma, with their donor match for a transplant. While the need for these life-saving transplants is growing, many potential donors are scared away by a donation procedure that often elicits fear because of how it's portrayed through the media. The procedure, mostly unchanged for decades, involves inserting a needle multiple times into the back of the pelvic bone and using syringes to withdraw liquid marrow. “Be The Match has enacted an incredible, multi-tiered strategy towards changing this process,“ Masson said. “My role is procedural design and development...The opportunity to reimagine blood stem cell collection brings my professional commitment to improving neurosurgery, my passion for extreme recovery and survival and my dedication to cancer causes to a crossroads. I am so proud to support Be The Match in its work to improve access to blood stem cell transplant." G R O W I N G B O L D E R / VO L . 3 6

Be The Match has challenged Masson to totally rethink the collection and transplantation process. He’s confident he can design the procedure, the tools and the technology to turn marrow donation into a 15-minute procedure under local anesthesia. Doing so would result in less bone and muscle trauma, a rapid and pain-free recovery and most importantly, an increase in the number of donors. “There are over 70 diseases treated with bone marrow,” he said. “We realize if we don't diligently and purposefully charge ahead, people will be lost that could have been saved with donor acquisition and production.” Masson’s younger sister, Calley, is a 20-year cancer survivor who is never far from his thoughts. When he climbed into the cockpit of the No. 38 Performance Tech prototype at the Rolex 24, Calley and other cancer survivors were along for the ride.

Sure, we wanted to win; but more than anything else, we wanted to bring awareness to marrow donation and to the opportunity for extreme recovery. “We had the Be The Match logo on our race car,” Masson said. “Sure, we wanted to win; but more than anything else, we wanted to bring awareness to marrow donation and to the opportunity for extreme recovery.” Masson knows something about extreme recovery. A spinal reconstruction patient himself, he successfully summited Mount Kilimanjaro, post-surgery, with LIVESTRONG to raise awareness for cancer survival and recovery. When he got off the mountain, he returned home and immediately set his sights on his next goal—learning to drive a racecar and competing at the sports’ highest level. Mission accomplished. Masson’s Rolex 24 team, captained by his son Kyle, finished second in its class and seventh overall—beating many of the world’s most famous race teams. “We couldn't be more proud of Dr. Masson and the Performance Tech Motorsports team's performance," said C. Randal Mills, Ph.D., chief executive officer at Be The Match. "Dr. Masson brings dedication and passion to everything he does, from medical innovation to extreme racing." Driving in the Rolex 24 with his son, Kyle, while honoring his sister, Callie, raising awareness about the need for marrow donors and sending a message to his patients about the possibility of extreme recovery will be a tough act to follow; but Masson has no plans to slow down. “This journey has been priceless,” he said. “Sharing this with Kyle has enhanced our family and our own relationship in ways we couldn’t have imagined. Having Be The Match along for the ride made it even more special.” What’s his next challenge? He and his teammates at Be The Match are working on it now. 38

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To learn more about Be The Match's mission to save lives, visit BeTheMatch.org or call 800-627-7692.

Blake Blakely Photography, BeTheMatch.org

MASSON AD

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WHAT'S IN A NAME? ‘Wellbeing’ vs. ‘Wellness’ and the Shift Toward Whole Health 40

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Sure, the difference between the words “wellness” and “wellbeing” may seem subtle and inconsequential. Each carries a perceived meaning of good health, of being sound in mind and body, eight letters versus nine. But make no mistake, these two words bear a significant distinction and embody different concepts that lie at the heart of the mission of the Center for Health & Wellbeing. Wellness, by definition, refers only to the physical health of the body and its absence of illness. Wellness, just one part of one’s greater wellbeing, is easier to metric and measure, typically happening in a clinical setting or fitness center. Wellbeing, on the other hand, encompasses a whole-of-life view, existing more as a hub and spoke with quality of life, attitude and outlook at the center of the hub. Its spokes, dimensions of wellbeing such as emotional and spiritual health, overlap and interrelate, each informing and affecting the other. Wellness is a state of physical health and is an actively-pursued goal with a clear start and end. Wellbeing is an evolving state-of-mind, a measure of how one perceives his or her life and the possibilities for the future. “In the very near future, I believe we will see a collective paradigm shift away from a focus on exclusively ‘wellness’ and toward a more holistic approach to ‘wellbeing’,” says Patty Maddox, CEO of the Winter Park Health Foundation, developer of the Center in partnership with AdventHealth, a national healthcare system with 50 hospitals in almost a dozen states. As you might deduce from its name, the Center for Health & Wellbeing, a new 80,000 squarefoot facility in Winter Park, Florida., seeks to illuminate these differences and educate the surrounding communities, not just on the importance of whole-person health but on the many ways to improve it. Through learning programs, a healthy café and its adjoining Nutrition Theater, a full roster of medical services, including physical therapy, massage and acupuncture, and a stateof-the-art fitness facility, the Center offers the tools and opportunities needed for its visitors to achieve whole-person health. In turn, they will foster a balance of their Seven Dimensions of Wellbeing—physical, intellectual, environmental, vocation, social, emotional and spiritual wellbeing. Another key element of this educational outreach is the Wellbeing Network, a joint production of the Winter Park Health Foundation and Growing Bolder. This revolutionary and unique online hub will provide free tools, resources and inspiration to encourage people of all ages to live with passion and purpose. Growing Bolder’s team of storytellers will document the Center’s many innovative, educational programs dedicated to wellbeing and share them with both visitors to the Center and those who may never step foot inside the building. The goal is simple: share the life-changing benefits of wellbeing far and wide. “We’ve already seen it with forward-thinking employers who are now offering wellbeing programs in lieu of wellness programs,” Maddox said, “and we are proud to be at the forefront of this important evolution with the creation of our new Center for Health & Wellbeing.”

Stay tuned for details surrounding a special seminar series dedicated to incorporating well-being into your everyday life. For more information on the Center for Health & Wellbeing, please visit YourHealthandWellbeing.org and follow the Center on Facebook and Instagram.

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ON THE ROAD TO REINVENTION, CELEBRATING 50 YEARS OF KEROUAC News anchor Bob Kealing turned his passion for history into a second career BY B O B K E A L I N G

I was inspired to follow Jack Kerouac's life and career in Orlando after visiting the Hemingway House in Key West. The history and lore of that amazing and legendary end-of-the-road outpost is seductive. There's a constant pull to return. Those initial visits in the mid-’90s also inspired me to write seriously. After a 25-year career as a TV news anchor, I'm now at work on my fifth book. My hope is that my interest in Central Florida history helps people realize that Orlando has more to its story than our attractions. This year marks the 50th anniversary of Kerouac’s passing. The Orlando Kerouac home's landmark status is important. Kerouac's life in that small back-porch apartment is emblematic of hard work paying off—of believing in one's talent and destiny despite setbacks and opposition. It's where all his years of struggle were finally recognized. You’ll see what I mean in the article that follows. 52

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Jack Kerouac has been gone longer than he lived. In fact, 2019 marks 50 years since the writer known as the “King of the Beats” died a lonely drunkard’s death. It was October 22, 1969 in St. Petersburg, Florida. He was 47. During research for my book, Kerouac in Florida, Where the Road Ends, I remember speaking with his emergency room nurse Anne Houston. “It was one of those situations where you didn’t know how we could possibly make it,” she recounted. Despite a record number of transfusions, Kerouac’s liver shut down—and that proved to be the end of the road. Early on, Kerouac’s sad ending permeated anything I’d heard about his time in Florida. To historians, Florida was where Kerouac went to die. Through the course of my research, I found a far different narrative. In 1996, a friend commented that he’d read on the back of a book jacket that Kerouac had also lived in Orlando. Infected with wanderlust and curiosity, 23 years ago I decided to explore Kerouac’s road-less-traveled in my own backyard. It was serendipity that Kerouac’s first book of letters had been published at the same time. The volume contained correspondence Kerouac had written at his sister’s house in pre-tourist-mecca Orlando. His visit there in December, 1956, marked a crucial turning point. “I have another week here of mad typing and working on FOUR different manuscripts that’ll make us rich,” Kerouac wrote to girlfriend Helen Weaver. After years of laboring in obscurity, the nomadic 34-year-old nobody from Lowell, Massachusetts was making final edits to On the Road, the novel widely regarded as an American classic. His letters included a return address on Yates Street in the northwest Orlando neighborhood of College Park. After that, the trail on Kerouac’s life in Orlando went cold. I found out Kerouac returned to Orlando in the summer of 1957, renting a place not far from his sister’s house. No one —not the locals, not old editions of the local newspaper, not even the Kerouac biographies of the day—had any mention of exactly where that rental was. Sometimes as a researcher, you have to throw caution to the wind. That’s what I did when I cold-called the executor of Jack Kerouac’s estate, his brother-in-law, John Sampas. Sampas, brother of Kerouac’s last wife Stella, was listed in the Lowell, Massachusetts, phone book and even took my call. I explained that I was looking for the Orlando apartment that Kerouac rented during this important stage in his career.

T R A N S FO R M

“Jack kept a list of every place he ever lived. I have it right here on the wall,” Sampas said to my astonishment. “Let’s see, 1957… that would be 1418-and-a-half Clouser Street.” (He pronounced it “Cloiser”). Soon after, I ventured out to a single-story, wood-frame home about four blocks from his sister’s house in College Park. In July 1957, Kerouac paid $45 a month to rent the small apartment on the home’s back side. It was all he had. The small back door stood open and squirrels were running in and out. I approached cautiously and knocked. From the darkened space inside the back-porch hovel, a friendly voice invited me in. “My neighbor Rose McCray met him while he was living here,” said Carol Ney, a 70ish retired antiques dealer reclining on a small sofa bed and smoking a long, brown cigarette. “He told her he was waiting for his novel to be published. As soon as it came out he would send her a copy.” Carol confirmed that this tiny back-porch apartment, which merited only a “one-half” mailing address, was indeed historic. It was where Jack Kerouac was living when his novel On the Road was published. “Would you like to see it?” she asked. “See what?” I said. From behind the sofa bed Carol pulled out a book sealed in a plastic bag and handed it to me. Out from the bag I pulled an inscribed first-edition of On the Road. “To Mrs. McCray, my good neighbor, Jack Kerouac.” It was a breathtaking, unforgettable moment and a crucial turning point in research for my book. In the march of years since this historic find, many amazing things have occurred. This little house in northwest Orlando is now a national literary landmark. As we reach a half-century since Kerouac’s death, those of us who reside in his home-away-from-home in the Sunshine State can say with certainty: Jack Kerouac came to Florida and lived.

Author and historic preservationist Bob Kealing is a six-time Emmy recipient and two-time winner of the Edward R. Murrow Award. He has co-founded three Florida landmarks: The Jack Kerouac House in Orlando, Gram Parsons Derry Down in Winter Haven and the Allman Brothers' Band birthplace in Jacksonville. He is the author of four books on pre-Disney history and culture in Florida. For inquiries about speaking engagements and book signings, email him at callingmehomebook@gmail.com.

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DEVELOP A PLAN TO AGE IN PLACE

Location and logistics for the next stage of life JOSEPH COUGHLIN , PH . D.

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Preparing yourself for the next stage of life often begins with determining where and how you’ll be spending it.

One of the main questions facing Americans today concerns housing needs as we get older. Specifically, it’s about the decision whether to stay in our current homes and communities as the years go on. According to the AARP, nearly 90 percent of adults age 65 and older intend to stay in their homes as long as possible. Often, the memories associated with our homes and being comfortable in familiar environments are the leading factors in wanting to stay put. But here’s the reality: Even if you’re determined to age in place, work needs to be done. A H O M E FO R A L I F E T I M E

How will you continue living in your home safely and independently? When we’re younger, most of us take for granted our ability to do daily house cleaning, maintenance and basic repairs—even home modifications. However, forward-thinkers understand our homes as they appear today are most likely not ones that can sustain us into the future. Incorporating universal design principles — a framework used to create a more functional living environment—into our modifications can greatly increase accessibility. These changes include widening hallways, creating single-floor living spaces and adding safety modifications to accommodate medical equipment, walkers and wheelchairs. WO R K T O B E D O N E

A 2015 study conducted by the Hartford Center for Mature Market Excellence and the University of Southern California Davis School of Gerontology found that 40 percent of baby boomers expect to remodel their homes soon. The bathroom and kitchen—often areas most in need of updates for aging in place—came out as the top two rooms many of us plan to tackle. However, most of these projects were centered on aesthetics, with only 21 percent saying they were considering their age or health while planning the project. This is where we can be proactive and get our aging-in-place planning started. We can start by incorporating design modifications into already-planned projects. These modifications (listed below) can range from minor to major, depending upon our needs.

FINANCE

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FROM GOOD INTENTIONS TO NEW HABITS FOR AGING WELL The Vitality Portfolio Can Help You Take Action ®

K AY VA N N O R M A N

Maintaining health and independence is consistently listed as one of the top two aging concerns. The other is building financial security. Creating a financial portfolio by making a plan, balancing assets, and making regular deposits is a familiar strategy to build financial security. 76

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But what about your health and independence? Do you have a plan? Have you considered what “assets” you’ll need to support lifelong vitality, and whether your daily habits—your deposits—are taking you toward or away from your healthy aging goals? Most people, if asked, say they intend to age well. They can recite what’s necessary to retain health—eat nutritious food, be physically active, stay engaged in life—but have a difficult time moving from intentions into actions. I wanted to help people bridge this gap and embrace positive change. So, I created a practical roadmap to lifelong health in three simple steps I call the Vitality Portfolio®: — — —

Make a plan Balance vitality assets Make regular deposits

MAKE A PL AN

Wellness, including the six dimensions of health. Core, including ageless thinking and resilience. Functional, including strength, mobility, and endurance.

Fourth of July barbeque! It was a very clear signal: “Don’t count me out I’m still part of this group.” Seven weeks later, Eldo called to say the doctor had cleared him to ride and we went to the mountains. After two months of building strength and stamina, he rode our annual 24-mile loop in Yellowstone National Park. Now age 89, he continues his passion for riding. How different his story would have been without ageless thinking and resilience. Functional Assets: Strength, mobility and endurance are essential functional assets. Yet it’s easy to disregard gradual changes. For example, if you’re not regularly challenging your strength, you’re losing it, at an average rate of about 1 to 1.5 percent per year after about age 30. That doesn’t sound like a lot until you do the math and realize that you can easily lose almost half your strength by age 70. That’s like going about your daily life carrying a backpack filled with your body weight (half the strength requires double the effort). In some ways, immediate feedback would serve us better. For example, if after a week of sedentary behavior we found ourselves unable to get out of bed, that would inspire action!

Following are expanded explanations about these three assets:

MAKE DEPOSITS

How long do you expect to live? I ask this question during keynote speeches and people always seem to have a number in mind. Consider your number. Where it comes from is a question for another time, so consider instead what you want to be able to do through your full lifespan! Whether your number is 70-plus or 100-plus, consider where you want to live, what you want to be able to do and what you need to make that happen. People often spend more time planning vacations (where, what, how) than they do planning their lives. Making a vitality plan helps you set, track, and reach your goals for lifelong health. B A L A N C E V I TA L I T Y A S S E T S

After 25 years immersed in the field of healthy aging, I’ve identified three main assets groups that, when combined, consistently create a strong foundation for lifelong health.

Wellness Assets: To assess life balance, visualize the six dimensions of health—physical, social, emotional, intellectual, spiritual and vocational—as spokes on a wheel. Consider how many regular deposits you make into each dimension (spoke). If you drew your Wellness Wheel today, would some spokes be large (lots of deposits) while others would barely exist? Are you missing an entire spoke on your wheel? The Wellness Wheel is a visual reminder to consciously create a richly balanced life for optimal health. Core Assets: These assets—ageless thinking and resilience— are my favorite things to talk about! You’re probably already well aware of the power of attitudes and expectations to uplift and enrich lives. Immersing yourself in a culture of possibilities and associating with others who believe in positive aging helps you deliberately reject negative expectations of aging and activate Ageless Thinking. It also triggers a mindset of resilience to engage adaptive strategies and keep moving forward, regardless of age or challenges. My friend Eldo taught me everything I needed to know about the core assets. At age 82, he broke his back and neck falling off a haystack. His large group of horseback riding friends were devastated, certain he was finished. But when I walked into his hospital room, the first thing he said was, “I can’t believe I messed up my whole summer of riding.” It never occurred to him that he couldn’t recover because of age. With Ageless Thinking, every decision he made, every action he took, was focused on fullest recovery. Eldo also activated the building blocks of resilience: optimism, self-efficacy, purpose, and social engagement. He made a plan and asked for what he needed to recover. Two days after being discharged from the hospital, he co-hosted a

DEFY

It’s not enough to have a plan and identify vitality assets. You must choose action. You must make deposits! Many people fear the big things that can derail health, such as an injury or illness. But most often, it’s the small choices, made day after day and compounded over time, that determine health outcomes. Don’t leave your health to chance. Make a plan, balance your assets and make regular deposits for lifelong vitality.

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Courtesy Webster Public Relations

QUESTIONS JAC K I E C A R L I N

The Gambler Plays On

Kenny Rogers Reflects on Old Friends and New Passions Kenny Rogers is a country star, pop star, record producer, photographer, actor, entrepreneur, autobiographer, novelist and philanthropist. In his more than 50 years in the music business, he has sold more than 120 million records worldwide across a variety of music genres, including country, pop, gospel and soul. A member of the Country Music Hall of Fame, he’s recorded some of the most beloved country music songs of all time, including The Gambler, a song so popular it inspired five TV movies starring Rogers. Now 80, Rogers admits he may be slowing down physically; but creatively, he’s more passionate and engaged than ever. You’ve been very open about your humble upbringings and the fact that you were born into poverty in Houston, Texas. When you were a child, you and your sister went to a show and it changed the course of your entire life. What happened? When I was 10 or 11 years old, we went to a Ray Charles concert. I can still remember looking around that show and thinking to myself, “Wow, here is a guy doing things people love. They clap at every song he sings; they laugh at everything he says. Who wouldn’t want to do that?” Then, years later, Ray became a good friend of mine. The music business is notoriously fickle. You’ve experienced some of the highest highs possible but you’ve also endured some down times. What helped you through those experiences? How did you overcome your obstacles? My mom gave me a piece of advice when I was young. She said, “Son, always be happy where you. Never be content to be there; but if you’re not happy where you are, you’ll never be happy.” Even when I’ve had down points in my career, I was still making a living doing what I wanted to do, and it was better than where I came from.

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You recorded a duet with your long-time friend Dolly Parton many years after your duet Islands in the Stream was a chart-topper. What was it like to work with her again? It was such a touching experience to record the song You Can’t Make Old Friends with my friend, Dolly. That song was written about our lives and our relationship by Don Smith, the same guy who wrote The Gambler. We were singing the song in the studio, and I looked up, and Dolly had left her microphone, had come all the way around to my booth and put her arms around my neck and said, “Kenny, I want you to know something. I could never sing at your funeral.” I was like, ‘What?!? Are we assuming I’m going first? Is that what you’re saying?” But that is so Dolly. It was a very sweet moment in our lives and our career, and I’m thrilled about that experience. What’s life like for Kenny Rogers in your 80s? Well, I have no original working body part; but other than that, I’m fine! I keep going and I feel good. I just don’t get around as good as I used to. I’m very passionate about my work with the Kenny Rogers Children’s Center in Sikeston, Mo. When I first got involved with the Center in the 1970s, it was seeing 500 patients a year and struggling to make ends meet. Today, I’m proud to say we treat 5,000 children a year and the families are not charged anything. (Editor’s Note: Through its various therapy programs, the Kenny Rogers Children’s Center serves children with a variety of special needs and developmental delays, including prematurity, cerebral palsy, down syndrome, spina bifida, autism and more.) What can the rest of us learn from your story? I think I got my wisdom from my mother and my humor from my father. I think if you have a good sense of humor, you can overcome a lot of obstacles. If you can’t laugh at something, you’re going to be destined to stay there. I say no matter what hits you, it’s temporary if you let it be temporary. It’s permanent if you let it be permanent. I N E V E RY I S S U E

Finding Your Passion Career How to Create Your Dream Job at Any Age BY C H R I S T Y W I L S O N D E L K

To me, Growing Bolder means taking one more step toward my ultimate dream job. In my dream job, I’m the boss of me, and I have no employees except a part-time and very faithful assistant. My job description—written by me, of course—is to inspire, encourage and guide you to pursue your dream job or small business. My clients and I are Growing Bolder together. I know the opportunity costs of doing nothing are far too great to ignore. As a joyful and committed work in progress, I believe there’s great value helping others pursue their passion careers. If you already know what your dream job is—or at least the general field—skip to the second step.

In the next issue, I’ll outline the best steps for moving forward if your desire is to own a small independent business or franchise. Here’s a preview: Start with your means and two key numbers. Christy Wilson Delk is a business professor at Rollins College in Winter Park, Florida, as well as a contributing franchise industry writer. With more than 15 years of successful franchise ownership, Delk uses her cumulative business and franchise experience, as well as her new book, Adventures in Franchise Ownership, to consult, lead workshops and give presentations about how to implement your own “4 Pillars” approach and achieve greater performance and success. Learn more at christywilsondelk.com. FINANCE

1. Start by listing the two or three things that you do—or used to do—that brought you great joy. It may be gardening, cooking or something that has a physical aspect to it. Have you always enjoyed entertaining children? List that. Do your eyes linger at gorgeous floral arrangements and envy those who mindfully pursued their passion? List that.

2. Write down the type of organizations, enterprises and businesses that surround each passion you listed. Keep it general, such as floral shops, nurseries and gardening centers. You want one list for each passion area listed. Circle the two or three that have the most appeal.

3. Ask yourself, now that you’ve refined your desire and opportunities, what exactly are you looking for at this point in your life? Do you want to supplement your primary income or social security? Are you looking for something to fill a specific—now empty—block of time during your week? Do you want to hone a skill and gain experience before opening your own business?

4. Consider who you know. This is bigger than you think, because the people you know also know people who might lead you to your next favorite boss or future business partner. Start mining your connections and network. I feel confident that you know people who know other people willing to help you in this simple way. G R O W I N G B O L D E R / VO L . 3 6

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Even healthy individuals can find themselves in a life-or-death battle with heart failure, through no fault of their own. Steve Lacey is a lifelong athlete. He started swimming in the fourth grade and competed all the way through college. While swimming was his primary sport, Steve always enjoyed cycling. After his collegiate swimming career ended at graduation, cycling became his primary sport and hobby, until heart failure made it impossible for him to ride.

FROM TRANSPLANT TO BRONZE MEDAL An athlete makes the most of his second chance

HEAL

Steve caught a virus that attacked his heart. He went from being healthy and active to facing a heart failure diagnosis. One plummeting metric landed Steve on the heart transplant list. Ejection fraction (EF) is a measure of the percentage of blood pumping out of your left ventricle, your heart’s main pumping chamber. Normal, healthy hearts function at an EF of 55%-65%. Steve’s EF dropped to 10% because of the damage the virus caused to his heart. Steve was told he would need a Left Ventricular Assist Device prior to a heart transplant. It took five months to find a heart transplant for Steve. Dr. Nirav Raval of the AdventHealth Transplant Institute was Steve’s heart failure cardiologist. During those 5 months, Dr. Raval offered medical management and therapies to Steve that improved his strength and prepared him for a transplant surgery and recovery. On his daughter’s birthday, Steve was told he would be getting a heart transplant. At 10pm, he received a call that there was a heart for him. He and his wife called back fifteen minutes later to confirm that Steve wanted to proceed with the heart transplant. “We made the decision rather quickly because time is of the essence. Knowing that they’re going to take your heart out and give you a different one...the unknown on not waking up...that was tough to prep for in a very short period of time. I thought I was ready for it, but that was really hard. Plus, we asked the surgeon if we could wait until the following day because I didn’t want anything bad happening on my daughter’s birthday,” recalled Steve. Steve’s 10-hour heart transplant procedure was successful. After being released, he was out for a walk with his wife and said, “I’m alive again. Let’s go!” Three weeks after the transplant, after receiving earlier-than-typical clearance from Dr. Raval, Steve was back to riding his bike. In his next clinical visit, Steve asked Dr. Raval about the Transplant Games of America—because he wanted to compete in them. Dr. Raval wasn’t surprised at all. “Steve is a very driven individual. He was very active prior to having heart failure and I really expected nothing less,” said Dr. Raval. G R O W I N G B O L D E R / VO L . 3 6

Nine months after his heart transplant, Steve was cleared for competition in Salt Lake City for the 2018 Transplant Games of America. When he and his wife went into the big event auditorium to pick up Steve’s race packet, that’s when he says it really hit him that every competitor he saw in that large room was able to be there because donors saved their lives. “The thousands of people who were there, wouldn’t be, without donors,” Steve said. Steve competed in the 5K and 20K cycling events as well as in six swimming events. His daughter, a collegiate swimmer like Steve had been, and his son both attended to show their support. “On the day of the swim meet, my daughter handed me her college swim cap, so I wore that. And that was really special,” Steve said through tears. In the last event, Steve came in third, earning a place on the podium and a bronze medal. “To me, it wasn’t surprising that Steve took a bronze medal at the Transplant Games. It shows how he’s going to live his life after his transplant. And I think that really sets the tone. Hopefully he’s an inspiration for folks that receive a second chance by getting a heart transplant,” said Dr. Raval. Recognizing that each patient has different circumstances and outcomes, Steve offered this advice for those healthy enough to be active. “Whatever you can do, now that you’re alive, get out and live. And the ones that are healthy, enjoy life. Because it’s not there tomorrow sometimes for some folks.”

Whatever you can do, now that you’re alive, get out and live. And the ones that are healthy, enjoy life. 82

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The AdventHealth Transplant Institute, a national leader in organ transplantation, is located in Orlando, Florida. Founded in 1979, the AdventHealth Transplant Institute treats adults and children, and specializes in heart, lung, liver, kidney, and pancreas transplant programs. To learn more, please visit AdventHealthTransplantInstitute.com.

Now Open: Health, Fitness & Wellbeing Made for You

Join the Peggy & Philip B. Crosby Wellness Center today. The all-new Wellness Center is located within the Center for Health & Wellbeing. Experience everything you need for whole-person health in one place: fitness facility, lab services, healthy cafĂŠ, childrenâ€™s wellness center, massage therapy, educational programming, personal training, physicians offices and more. For more information, and to join Crosby Wellness Center, call (407) 644-3606 or visit crosbywellnesscenter.org.

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Visit us today in the Center for Health & Wellbeing at 2005 Mizell Avenue in Winter Park.

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SQUEEZE YOUR LIFE

Understanding the Successful Aging Curve R O G E R L A N D RY, M . D, M . P. H .

Growing Bolder is about getting the most out of your life, right? It’s about being all you can be for as long as you can… preferably as long as you have a pulse. It’s about maximizing experience, minimizing impairment, and when necessary, accommodating life’s curve balls, hitting them out of the park or at least getting on base. Being in the dugout of life is not acceptable. OK. We agree. But, how can we best do this? When I set out to tackle these challenges with my book, I knew right away what the title would be. Looking at the graph of normal and successful aging was all it took. “Live Long, Die Short” was the only way to describe the dotted, successful aging curve. In public health terms, this is called the “compression of morbidity.” Morbidity is when we’re sick, impaired and declining. Aging successfully—growing bolder—is compressing that time, squeezing it into as short a time as possible so we can be fully living our lives until we’re not. So, again I ask, how do we do that?

research-based and data-confirmed approach we’ve successfully used with more than 40,000 older adults that my team and I have worked with during the last two decades. No hype, no sales pitches, no exotic equipment and no trendy diets. This is about knowledge and understanding of who we are as humans, what we need to be healthy, how we make changes that stick and how we take control of our life’s journey. This knowledge will then help you make lifestyle choices that will enrich your body, mind and soul. SIMPLE STEPS TO ‘FEEL THE SQUEEZE ’

Start moving just a little bit more. Learn something, however small, every day. Reach out to people, preferably being with them, looking them in the eye. Smile more. Begin asking yourself, “Why am I still walking the earth? What is my purpose?” The answer will most likely not come right away. But, just thinking about it is immensely helpful.

SIMPLE BUT ELUSIVE

The research is crystal clear: It’s all about paying attention to your lifestyle -- not just the physical part, but also the intellectual, the social and the spiritual. Moving more, always learning, staying connected to others in a substantive way and having meaning and purpose in your life are what make all the difference. Such attention is actually growth. This kind of growth is simple. Yet, for many reasons, it often eludes us. Frenetic lives and confusion over what’s best gets in the way of compressing morbidity or “Feeling the Squeeze.” As we have come to see with social media, everyone seems to have an opinion on just about everything, and how best to age in a better way is at the top of the list. A surging older demographic, with lots of resources, makes this area potentially lucrative for anyone who can convince us that their approach will do it. Claims about how best to exercise, train your brain, be with others and stay relevant do not fall on deaf ears. Some of these approaches have value, while some fail to consider the context of human aging. We’re motivated to be all we can be so we give some of these approaches a try, only to find we’ve wasted money and time. It’s akin to playing successful aging Whac-A-Mole, with a new or contradictory approach popping up even as we’re pursuing another. In contrast, we focus on an easy, intuitive, effective, 88

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Do all this in small steps and you’ll begin to “Feel the Squeeze” in your life.

Roger Landry, MD, MPH is a preventative medicine physician, author of multiple books including the award-winning “Live Long, Die Short: A Guide to Authentic Health and Successful Aging.” He is president of Masterpiece Living, a group of specialists in multiple aging-related disciplines who partner with communities to assist them in becoming destinations for continued growth. Dr. Landry specializes in building environments that empower older adults to maximize their unique potential. To learn more, visit www. livelongdieshort.com.

TAKE A HOLISTIC APPROACH FOR PEACE OF MIND H E L E N VO N D O LT E R E N - FO U R N I E R C F P ® , J . D . , S P H R FINANCE

As a woman who wears many hats, I provide my clients with a holistic overview of their financial life. My mission is to help my clients fully understand complicated issues through education and personal attention. It is impossible for an individual without legal and tax background to effectively plan a financial roadmap. On the other hand, it is impossible for a professional with just legal and tax background to plan a financial roadmap without in-depth knowledge of a client’s financial goals, needs, and overall family situations. Too often, lack of planning leaves the client’s goals and needs unmet. Don’t let that happen to you or the people you hold dear. As a Certified Financial Planner® and estate planning attorney, I place the utmost value on my clients’ financial and estate planning goals and objectives. I am dedicated to making the complex appear simple and to providing the sound legal and financial counsel that is required in every phase of my clients’ financial life management. And based upon my 20 years of service, I have found several, repetitive missteps that I hope won’t catch you by surprise. I simply call them my Top Considerations, and I would ask that you review each of them and hope that you can gleam something for yourself. G R O W I N G B O L D E R / VO L . 3 6