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Kevin Kroskey – About – Contact
Intro:
Welcome to Retire Smarter with Kevin Kroskey. Find answers to your toughest questions and get educated about the financial world. It’s time to retire smarter.
Walter Storholt:
Well, welcome to another edition of Retire Smarter, Walter Storholt here alongside Kevin Kroskey, President and Wealth Advisor at True Wealth Design serving you in Northeast, Ohio, Southwest Florida, and the Greater Pittsburgh area. You can find the team online at truewealthdesign.com. Kevin, good to be with you this week. All right, my friend
Kevin Kroskey:
Walter, it’s always my pleasure. We’re good, I’m just back from our first successful camp family camping trip.
Walter Storholt:
Very nice.
Kevin Kroskey:
It was fun. My wife has been prodding for a while to do a trailer thing and/or Harvey of some sort. And I just perceive that as complexity and work. And so I’ve been able to hold her off for a while, but we have a three year old, almost three year old and a almost eight year old, so I think we’re in that sweet spot and we bit the bullet we’re going through the whole introduction to the trailer. And I just remember having this feeling of being overwhelmed and just thinking like, Man, we didn’t sign on the dotted line yet. We can just beat the heck out of here.
Walter Storholt:
Hotel or something, right?
Kevin Kroskey:
Yeah, exactly. I mean, RV is, it’s not really the chiefs, not like we did anything extravagant, but nonetheless, I mean, I think it cost more money than it was getting in the car and do it a hotel.
Kevin Kroskey:
But nonetheless, we went through it as I like to say, I made my wife’s dream come true yet again. And we had a great time. It was more enjoyable than I was expecting. I certainly thought we were going to get it a lot of good family memories out of it and we certainly started down that path. The girls were crying because they didn’t want to leave the campground, they were having so much fun. Pretty good indication that it was awesome. Not to toot my own horn a little bit, but no accidents, you got to learn all these tanks and deal with sewage and all this and drive this thing, which is, just a feed and it’s on back it up.
Walter Storholt:
Was this a big Class A or Class C?
Kevin Kroskey:
We just did a trailer. We got the hitch, got the sway bars. I haven’t driven a Class A or Class C, but I presume that those are easier to drive than these trailers just because it’s all one self-contained unit.
Walter Storholt:
At least going backwards is much easier when it’s all one piece.
Kevin Kroskey:
Yeah, well, I would imagine going forward too. I mean, you don’t have to deal with the sway so much and just some of the other forces. But nonetheless, it went pretty well. I went from a place of fear. I don’t want to say I’m confident now, but my confidence is building and we have something planned every weekend for the next several weeks where we’re going to be making those family memories and I’m doing my best Clark Griswold impersonation.
Walter Storholt:
It sounds like in terms of Maslow’s hierarchy, you made it at least to the psychological needs. You got that feeling of accomplishment from the excursion, so well done.
Kevin Kroskey:
What a great segue into today’s episode. Man, I knew I have you on the show for a reason, kudos to you.
Walter Storholt:
To be your foil and to sometimes have a clever segue. That’s the purpose here?
Kevin Kroskey:
Yes.
Walter Storholt:
No, I’m interested in today’s topic. What in the world does Maslow’s hierarchy have to do with financial and retirement planning and the like? I’m curious to see where you take this one today.
Kevin Kroskey:
Sure, so I guess a backup for a moment. I don’t know if I’ve always called it and I certainly didn’t invent the term, but I like to use the phrase Financial Life Planning. So it’s not just about the money, money’s a tool. Money, I think used properly should be aligned to support the ideal life that you want. Set another way, maybe find it first and then fund it, find what you want to do, what you want to be, what you want to become, and then figure out how to fund it in a way. And that’s the only part of this story. I think we can all think of people that we know, whether we knew them firsthand or whether it’s even a figure of some sort, whether a TV character or something of the like where people may be, at least on the surface appeared to prioritize money over life and maybe we’re unfulfilled to varying degrees.
Kevin Kroskey:
But, this is part of what we do. And just getting to know people, getting to know our clients, talking with a new client about what’s important to them, what’s important to them about money, where do they want to take their life to? And then after we understand the big picture of who they are, where they are, and where they want to go, more of that qualitative softer side, then we can start getting into the financial aspect and making sure that we’re making smart decisions with their overall retirement planning, with their investments, with their taxes and making sure all of that is well-aligned in concert with the life that they want to live and make sure that they can sustain it over time, so that’s the starting point. I know a lot of the things that we’ll talk about on the podcast are people think about financial advisors talking about is all more of the strategies and tactics around money around investments, around taxes, and you can start there.
Kevin Kroskey:
And candidly, that’s what drew me to the profession early on. I mean, I was really good at Math and just had an interest, pulling me into this way, but really what’s kept me here where I found my passion is marrying this together. And really being able to understand people, help them and then use all the technical capabilities to align all the resources to the life that they want to live. If we can help them get a little bit more out of life then, I mean, that just gives you that good warm, fuzzy, and it keeps bringing you back with a smile every day.
Kevin Kroskey:
When I say Maslow’s hierarchy of needs or Maslow meets retirement. I think back to when I was an Undergrad school and I had many majors in Undergrad college, took me a while to find myself as they say, but my Undergrad degree was in education and I was able to teach Physics and Earth and Space Science. And anybody that goes through a college of education has to take some foundational courses. And one of the foundational courses I had to take was on just, Theory of Education and really it was more of, actually, I think it was the foundations of education was the name of it, but it was really more of a philosophy class, at least that’s how this professor taught it.
Kevin Kroskey:
He just made a really big impact on my life and the content of what he taught us, just that point in my life that really resonated with me and really sparked an interest for me to learn more and really learn more about myself and become a better person as well. And part of that was going through Maslow’s hierarchy of needs and Abraham Maslow, I’m sure everybody’s at least somewhat heard of them.
Kevin Kroskey:
At some point in time, Maslow was really an American Psychologist that at least as I understood it, being taught by Dr. Tibideau at the time really studied healthy brain people. He studied people like Albert Einstein, Frederick Douglas, Eleanor Roosevelt, where a lot of his well-known predecessors were a little bit different. I mean, everybody’s heard of Sigmund Freud, he more so studied mentally ill people, neurotic people. BF Skinner, a stimulus-response sort of guy studied rats. And Maslow was different in who he was studying. And he came up with this hierarchy of needs and just envision a pyramid. If you haven’t seen this before, maybe you have, but it’s somewhere in your brain that you’re just trying to recall it right now. And it may be difficult, but just imagine a pyramid in at the base of the pyramid, the foundation of the pyramid, you have these different levels and it starts out with your physiological needs.
Kevin Kroskey:
Things like breathing, pretty important, food, water, sleep, all those sorts of things really formed the basis of our physiological being and are obviously, very obviously quite important. As you move up the pyramid to the next level more so your safety needs, security, security of your body security of employment, of resources, of your family, of your health, of property, a lot of different things there.
Kevin Kroskey:
And you’re starting to see some things related to work too, security of employment, of resources, well, how do you get resources? Well, the predominant way we get it today in a modern economy is really trading our time for money and in some way, and going to work, having a business, things along those lines. So you start seeing work really creep in here pretty early on at, not the base of the pyramid, but close to it. Then the third level, moving up, the pyramid, Maslow called this love and belongingness, friendship, family, sexual intimacy. And actually, I skipped over it, but Maslow also had sex at the base of the pyramid in physiological. He was apparently I’m a big proponent of sex, but Dr. Tibideau-
Walter Storholt:
Just in case you missed it the first time, we’ll throw it in there a second time.
Kevin Kroskey:
So my professor from college, Dr. Tibideau and he’s from New York city, and it seems like everybody I meet from New York is just, it’s like in the water, they’re just an awesome storyteller. And so, he was short, but really a verbose and just a booming voice guy. And there were probably about a hundred people in this auditorium. He’s really going into some of the more sexual aspects of his work, which for young college kids with a lot of hormones, I think he got everybody’s attention. So apparently it stuck with me, but with a lot of the belongingness, again, friendship, people have a lot of friends from work. You get a lot of socialization from work. You spend a lot of time at work. It’s just natural. So it depends on the type of work that you do.
Kevin Kroskey:
Sometimes people, maybe it’s more isolation or what have you. I mean, today you have a lot more remote work being done, your post-COVID and maybe it’s a little bit more difficult for a lot of people to stay engaged and have that sort of relationship. Maybe it’s easier to maintain them, but to build them new over a zoom or teams video, maybe a little bit more challenging, I’ll be curious to see how this plays out over time. But again here too, we’re three rungs up on the pyramid and we’re seeing work creep in here, friendship, family, sexual intimacy, some of the things that are there, hopefully, the sexual intimacy part is not happening at work and violating the HR manual that we may have. But certainly, the friendship is there, and then there are two more levels. So we’ve gone over the first three physiological, safety, and then love and belongingness.
Kevin Kroskey:
And now we get up to your esteem needs. And so things along the lines, confidence, achievement, respect of others, respect by others, getting that out of boy or that out a girl for a job well done. Again, a lot of work showing up in the esteem needs category. And then as we move up to the top of the pyramid, this is what Maslow called self-actualization. And there’s a lot of things here, but it’s really to become more of what you truly are and what you’re capable of becoming, things like you almost have your own morality. You really follow your creativity, whoever you are, you’re creating it and defining it and becoming more and more of it. And the basic premise here with Maslow was as you move up the pyramid, you really can’t move up the pyramid until the base in the prior levels are satisfied.
Kevin Kroskey:
You’re not going to be worrying about your self-esteem needs if you can’t breathe if you don’t have food if you don’t have water if you can’t sleep. All those are much more primary to us and he’ll talk about things or at least I remember, my professor, from many, many years ago telling like, well, hey, I mean, if some of these things are maybe out of sorts, maybe somebody is unemployed for a period of time and maybe they don’t have money coming in. It’s not like the whole pyramid comes crumbling down. You can be out of whack for a while and maybe have a portion of your needs met at those lower levels before you move up, but you can’t stay that way and remain that way forever, the whole idea of the pyramid and just the engineering aspect of it. I mean, it’s really built upon, the next levels stacked upon the prior.
Kevin Kroskey:
So all of this, this is just really about studying healthy brain people and I think Maslow did a lot of his work back in the 60’s and I’m sure there’s been innovations in Psychology since then. But this seems, it resonated with me. It seems like it makes a lot of sense. I really think it plays a lot into retirement too, because there’s work that’s involved with really every aspect of this, at least beyond the physiological base. But the other four levels I’ll have work in some fashion in there. And just because when we retire and if we remove work from the equation, it doesn’t mean that these needs go away. It just means that we have to find other ways to go ahead and meet those needs that we have so we can be well-rounded satisfied, high functioning, happy self, having our needs met, having the hierarchy of needs in mind and making sure that we’re being that person that we really want to be.
Kevin Kroskey:
So I think that’s the critical thing just to think of, and there’s different ways you can apply this. If anybody wants to learn more about this, one of the ways that this gap was bridged to me, I mean, I’ve known about Maslow since College, but there’s a gentleman by the name of Mitch Anthony that wrote a book called The New Retirementality. I think he wrote it at probably 20 years ago now, but there’s several additions and updates and it’s still selling quite well. And we’ll often give it out to clients just as just more so like a thinking tool to go ahead and mentally prepare for retirement and think about this hierarchy of needs and hierarchy of retirement needs, if you will and just bridge that gap.
Kevin Kroskey:
When I think about this, just pragmatically in working with people, I’ll maybe use a couple of different stories to illustrate this. So I’ll start off and I’ll use my normal names just to protect the innocent so to say. But I’ll use John and Jane and I’ll use them separately, they were not husband and wife, but John was, think of more of an old school guy. Think about maybe more like the Leave It to Beaver time in our history. the guy goes to work, his wife stays home and takes care of the kids and work’s important and really the primary thing to a large degree, maybe that’s not, I didn’t want to Leave It to Beaver, but maybe that was not a good person first there, but think of that time.
Walter Storholt:
I would love to Leave It to Beaver either, so we’re making it dangerous now.
Kevin Kroskey:
Anyway, that the prior time, you’re not today, I mean, you say these things today and not like it’s bad and I don’t mean it in any negative way to women or anything like that, but just more, that’s traditional sort of family unit, if you will. And so John, I mean, he went to work every morning. He drove about half an hour to get to work on the way there and probably 45 minutes on the way back — just because there’s more traffic. He worked at least eight hours, if not more every day and came home and spent a little bit of time with his family, had some dinner and that was about it. And back in and did it again. And he worked all the way until he was just before he turned 70.
Kevin Kroskey:
And one of the reasons why I think he worked that long was, I mean, it was who he was, it was really him. I mean, he didn’t have a lot of things outside of work to go ahead and retire to. Work was such a primary focus for him that I think he would say he’s down past, unfortunately. But I think he would say that in hindsight, he probably should have spent more time developing those relationships and meeting those love and belongingness needs, not only for himself, but for his family outside of work. And just because he worked or excuse me, when he retired, he had more time. It doesn’t mean that he could just pick up those relationships because they really weren’t tended to, maybe as well as they should have been for many, many years. So then John went ahead and retired.
Kevin Kroskey:
Retirement was quite empty for him. He was having all of these needs met even though he’s this traditional male, maybe somewhat unemotional or I don’t want to say insensitive, but , a tough upper lip, sort of guy, he still had those needs. I mean, maybe he didn’t show them as much, maybe kept them in, but he’s still human. I mean, he’s a good guy, but he just didn’t show them. He was that more, that traditional guy. And when he retired, it was tough. It was really tough for him. It was tough for him to get to the point where he could actually retire, just mentally do it because of the fear. I don’t know if he really ever came to terms with that. At least he didn’t voice it to me, even though we spoke about it repeatedly over the years, but when he retired, it was really difficult for him.
Kevin Kroskey:
And unfortunately, just a few years into retirement, he ended up passing away, but he really never found his footing. He really never found what retirement really could be and have his needs met, have his hierarchy of needs met outside of work in, in retirement. On the other hand, I think of another client Jane. And for Jane, when she retired, it was also tough. And for neither John or Jane, was it about the money? They both completely plan very well, live below their means, had pensions, had investments. None of this was about the money, the base of their pyramid as far as the safety needs and what have you, we’re really, really well provided for. It was all the other stuff, all of the other human stuff that is why I’m eliciting and sharing these stories.
Kevin Kroskey:
But for Jane, when she retired, she actually ended up going back to work. She was a little bit bored and they said, “Hey, you can retire, but if you come back, we’ll be happy to hire you on as a contractor. You don’t have to work full time. You can work maybe 20, 30 hours a week, we’ll figure it out.” And, she did, so she retired for a while. Didn’t work for about six months, was bored, at least that’s what she said she was. She also seemed to have some issues around her finances and come to find it through a lot of discussion and self-introspection over the years, and even with the help of a Psychologist, quite frankly, which just helped really explore some of this. It was really that a lot of her needs particularly around her love and belongingness needs, the friendships that she had at work, some of the esteem needs that she was having met at work, when she retired she just hadn’t found another way to go ahead and directly meet those needs.
Kevin Kroskey:
And sure she was getting together for lunches or breakfast with some of her work friends. But one of the things that she remarked to me after a while as well. I was really up to the conversations for a while, but eventually things evolved and they were on new projects or people had come or gone. And I was a little bit more removed from the relevance of these conversations. And she felt that, and she perceived that, her work friends felt that too. And so the relationships were waning a bit. And then after she tried to retire again, she tried to get involved in some charities and more so with our church and it was satisfying to a certain degree, but at the same time, it just didn’t exactly the role that she was playing in these organizations really wasn’t meeting those needs either.
Kevin Kroskey:
So it took a while. I would say it probably took a few years before she really found her new rhythm, if you will, and found ways to have those needs met and maybe reset expectations a little bit. And I think a big part of it was her husband retiring too. He ended up working a little bit longer than she did, but they did some things together. Once they both retired, they moved somewhere where they have more family and things like that. So some of those needs were naturally met just by being in closer proximity to family. But the point being is she found it, but it took a while to get there. And some of her, what she perceived as problems were really, I would say symptoms. She thought she had a financial problem early on and she wasn’t getting a paycheck.
Kevin Kroskey:
So even though she had plenty of money, even though she had a pension, it was really being manifest as a financial problem because I think it was on the surface. It was easier to say like, “Hey, it’s that, it’s not that my needs aren’t being met. It’s not that I’m a sociable person and now a big part of my needs that were being met through work from socializing, for my work friends, from my having my esteem needs met.” That was, if I go back to Freud, that was like the iceberg and the part of the iceberg that was below the water. She was just focusing on the top part about, “Hey, I think I have this pain, I have this problem.” And it was really much deeper than that.
Kevin Kroskey:
So, all of this matters a great deal and some of this isn’t, some people know who they are, what they want to do, but other times, I mean, it takes a while to wrestle with this. You have to figure out, who am I really, what am I retiring to? What are some of the things I really enjoy about work that I need to find and replicate outside of work? What’s going to be my purpose? What’s going to be my passion?
Kevin Kroskey:
All those things. I mean, there’s so much to it, but Walter, let me involve you here a little bit, but I mean, you’re only 35, but when you think of, maybe you look at your parents and I can’t remember if your parents are still working and I’m sure they’re listeners of the show. I will speak freely, but I don’t know when you think about your own family or maybe even somebody close to you that you’ve seen retire, have you ever noticed anybody’s gone through this transition where maybe it was a little bit bumpy, not because of the money, but more of these other softer side of routine?
Walter Storholt:
Definitely, because my parents were about two years away from retirement. And so they’re starting to have these conversations and thinking about what they want to do. Dad is fully leaning into a full change in life. I mean, he’s really looking forward to it that they can’t come fast enough. And he’s looking forward to living in a completely different state and a completely different lifestyle. But he has plans for absolutely how he’s going to occupy his time and he has a deep interest in getting involved in hospice and where they move to probably getting involved in the church as much as he possibly can. He’s just got plans for what he wants to do, and he can always fall back on being an artist. He paints in his spare time and is a pretty good artist by all accounts and at least in my opinion.
Walter Storholt:
He’s just got so many different things that he can fill his time with. And my mom is a little bit different in that she is, she can’t wait to get to retirement and do nothing for a little while. And that can be a plan too, because she’s just worked so hard her whole life and you talked about that hierarchy of needs. She’s very much someone who identifies a lot of self-worth and that self actualization in the work category, like it’s very pervasive in all those different layers and levels of her life.
Walter Storholt:
I don’t think she’s going to have a problem figuring out what to do, but I think she’ll have a little bit harder time than dad just trying to transition into retirement and a little bit more of the, not the financial element of it, but there’s the sort of all right, what should I do now with all my time to continually work on filling these needs and finding space and time to do that? But I think she has seen a few other family members that are a few years ahead of her go through that struggle. Someone in particular, I’m thinking about had a really hard time adjusting. And in fact, still participates even a couple of years after retirement in conference calls and things with his old work, just to like still feel connected and still talk to the same people at work. And that’s where all the friendships were, and then, when those things got taken away, I know it was a really hard adjustment period.
Kevin Kroskey:
Your parents are a little bit unique if I just think of some of the gender traits. I don’t want to say stereotypes, but women tend to be more sociable than men in general. I think like 70% of Facebook users are women, maybe as part of a point for evidence to that. But when men disengaged from the workforce, having that social network as often a little bit more difficult, just like a shared for the story of John. Women tend to be a little bit more natural at that and have those relationships built. So I think those are some things we all need to be mindful about. Men stereotypically often will have more of their needs met through work to have a little bit more of an ego there as well.
Kevin Kroskey:
I don’t mean that in a negative way, just more of the, I guess, scientific way, I suppose. I simplify this and I’ve talked about this before, but one of the questions that well often ask is, and this is more one of those introspective questions that maybe you can utilize for yourself when you’re thinking about this. But if we’re sitting here having a conversation three years from today, and you’re looking back on those three years, what has to happen for you to be happy with your progress. Three years from today, looking back, what has to happen for you to be happy with your progress? And we’ll ask those questions and a lot of times when people come in to meet with a financial advisor, they think we’re just asking about financial and I’m not. And anytime I’m asked that question, which I do like a quarterly reflection going over it, the financial parts are for me are always, I don’t want to say last, but they’re certainly not first.
Kevin Kroskey:
And it’s just because of the same thing that I started this whole conversation with, we have to figure out, who we are, who really want to be and become what ideal life that we have, and then try to garner and align our resources to support that, spend our time there. That’s probably the most valuable resource that we have, but if you’re, if you say something’s important, but you spend very little time there, maybe like John did with his family when he was working all those years.
Kevin Kroskey:
In his mind, he’s working for his family and providing for his family, doing something noble and honorable something that was necessary and important, but he really did spend a lot of his time there. So you have to have all of this align, but if you can ask that question and just really spend some time reflecting on it, then ask it again, some months down the road, I think it’ll help you think about this in a way that is more than about the money. And maybe we’ll help you get better align to whoever you are and aligning your resources, financial time and otherwise to who you are and who you want to be and become, whatever your ideal life is. And I imagine that continues to evolve for different people and it doesn’t have to be completely profound.
Kevin Kroskey:
You don’t have to change the world or anything, but it’s really just, if you can just be happier, if you can get a little bit more out of life to be, have a little bit better relationships, do some of the things that you really want and are excited about, yeah, that’s great. But if you aren’t doing that, it’s like the Cheshire cat and Alice in Wonderland, if you don’t really know which way you want to go, any road will do. So again, I think you need to be intentional about these things, intentional about life, be self-aware, ask these questions and then, just with yourself and with your spouse and if you’re working with an advisor and, sharing some of those outcomes with them as well, just to make sure everything is well aligned, that you do have maybe an accountability partner to hold you accountable to, are you spending your time where you really say you want to spend your time?
Kevin Kroskey:
Those sorts of things. I mean, it’s Financial Life Planning. Again, it’s not just the number crunching aspect of it, but it really is more the holistic person in the process and just getting a little bit more out of life when it’s done, right?
Walter Storholt:
Seems like as I visualize the hierarchy of needs, a lot of financial planning or retirement planning or whatever umbrella you want to put it under works to cover the bottom two elements. Those safety needs and the physiological needs, but probably very little planning expands beyond that, into the other three levels.
Walter Storholt:
But it sounds like your process, Kevin, you’ve sort of designed it so that when somebody comes in to talk to you or a team member and go through your planning process, that you want to make sure you explore those other three levels. Not that you’ve based your plan exactly off of the hierarchy of needs, but all the questions you ask, the things that you poke and prod around the fact that you take it beyond just the finances, you’re really looking to make sure that these things are thought through thoroughly and helping cover all of these different things from the physiological needs all the way up through, some of the self-actualization conversations because to you that spells the biggest success for somebody to go through a planning process to make sure all those levels are covered.
Kevin Kroskey:
You’re completely right about the traditional role of the financial planner, I think it’s maybe it was constructed and perceived even to today. It is more the base of the pyramid type of stuff. And that’s important, it’s very important. It’s also table stakes. It’s all these other things that are just really important to be able to actively listen, to be able to ask open-ended questions, just to help people, understand them and help them get a little bit more out of life. I mean, we just had a meeting yesterday where very humble, live below their means people but I was just asking him the husband, about what he’s been doing. He’s really into camping and he customizes his own cars. And , he’s taking this trip with his son out west for three to four weeks and talked about, then he just remarked how you really wanted a sprinter van.
Kevin Kroskey:
And, and I’m like, “You couldn’t do it.” I mean, there’s no doubt you can do it. But we basically just explore that a little bit more and I nudge them and then his wife nudged them. And let’s just say that we have a penciled into the plan now, but it’s not about the sprinter van, that’s just part of the means so he can do these other things that are really important to him. Having his needs met, having a stronger bond with the son, even having the accommodations that his wife would feel comfortable camping in, because right now the way that he does it, she doesn’t want to do it that way, but she’s open to doing it in a much better well-constructed sprinter van, where they are at the same place for a week, rather than bolting from place to place every day or two days.
Kevin Kroskey:
So it’s little things like that, but those little things can make big, massive changes in just somebody’s life and happiness. And to me, that’s financial planning done, right? I mean, those are the meetings that I just come away at the end, just grinning, because I know, he’s not doing it now, but it’s very likely that they’re going to do some things that maybe they didn’t perceive that they could do before and they’re going to get more out of life and they’re going to spend more money and they’re going to pay us less because they’re going to be taken out of our account. And we are both going to be very happy for it. And I couldn’t be happier to be part of that conversation.
Walter Storholt:
And you’ll get to bond over camping now.
Kevin Kroskey:
We did his eyes lit up when I told him that I started camping too. So, and it’s good to have some people you can learn from whether it’s a financial advisor, learning about finances and financial planning and investments or camping and how to be safe and not get hurt.
Walter Storholt:
Definitely, and how to have a good time. That’s so important, there’s so many different levels of this hierarchy of needs. And hopefully this has been helpful to somebody to take a step back, absorb the financial planning world from a higher view and looking at all these different elements and needs that we have in life and how good planning helps accomplish all of these things. Especially once we lose that work component in our lives and that big shift, we need to be thinking about some of these things. If you’ve got any questions for Kevin, you can certainly reach out anytime 855-TWD-PLAN puts you in touch with the team that’s 855-TWD-PLAN. If you want to go through the full planning process, a great way to start is to go to truewealthdesign.com and click on the are we right for you button to schedule a 15-minute call with an experienced financial advisor on the true wealth team.
Walter Storholt:
You can begin these kinds of conversations. Again, that’s truewealthdesign.com and we’ll link to that and put the contact info for Kevin in the description or the show notes section of today’s show. We’ll also link to that New Retirementality book that Kevin mentioned in case you want to pick up a copy of that on Amazon or something like that, or Kevin, I guess people can also give you a call if they’re interested, maybe when they come in. You might have a few of those copies laying around when somebody comes in to meet with you as well, so either way. Maybe somebody can get their hands on that book for a little bit more on this topic. And hopefully that helps somebody out today. Kevin, appreciate the help and the guidance glad you made it back safely from camping so you could share these stories and this insight with us, and we’ll look forward to another good conversation with you next time.
Kevin Kroskey:
Thank you, Walter.
Walter Storholt:
All right. Have a good one. That’s Kevin Kroskey I’m Walter Storholt, thanks for joining us. We’ll talk to you next time, right back here on Retire Smarter.
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