Leaving full-time employment to enter retirement often requires a 180-degree change––in mindset and behavior––from the way you managed your time and money previously. This is especially true for Baby Boomers who may have never experienced adult life without a full-time job and have been practicing the same habits since their 20s. These life transitions can be looked at as if they require “flipping a switch.” Some changes happen suddenly like an on/off switch, while others happen over time like a “dimmer switch”. Some “switches” are voluntary like spending accumulated savings, while some are mandatory like taking required minimum distributions starting at age 72. And to make matters more confusing, there are also lifestyle and social changes to consider as well.Flipping a Switch discusses 35 financial, lifestyle, and social transitions you’ll encounter upon entering retirement, including: • Full-time work to new pastimes • Saving money to spending money • Receiving a paycheck to creating a “paycheck” • Funding retirement savings plans to taking required minimum distribution withdrawals • Accumulating possessions to downsizing Everyone has unique “switches” to flip. Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life offers important information and guidance new retirees need before undertaking their new life. Each chapter includes a “How to Flip This Switch” section with suggested action steps. Nationally known speaker, author, and Certified Financial Planner® Dr. Barbara O’Neill will help you develop a plan to become your best future self.

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