Baby Boomers – 6 Major Issues You Need To Address In Retirement Planning

People are retiring earlier. The average age for a first retirement is 57.5 years. According to the latest statistics, if you are in good health now, you are probably going to live another 30-40 years. If you are like most people, you planned for previous stages in your life. Retirement is no exception.

What are the six major issues you need to be considering before you retire?

1. More than any other age group, Boomers are concerned about having a purpose during their retirement years. A purpose (goal) gives you a sense of meaning which contributes to your overall well-being and happiness. The challenge is to focus on who you are instead of what you do.

2. Now is the time to discover the things you feel passionate about, that you find engaging and meaningful. How you choose to spend your retirement years will depend on the choices you are making as you approach this next stage in your life.

3. The timing of when you retire can be critical. To determine when you will retire, reflect on who you are (your strengths and values) and what you want during retirement. Your experiences over the years, the knowledge you have gained, and self-awareness you have developed will help you make your decision.

4. Financial planning is one of the two main cases of successful retirement. Because of the changing financial scene, there are three areas for you to consider for your financial plan to be solid: Social Security, employer's pension plans, and your personal savings. Discussing your financial needs with a financial planner is highly recommended.

5. Once basic financial needs are met, other issues become more important. Your health is the second pillar of retirement. This is a time to learn more about wellness which includes making yearly physical, dental and eye exams. It also means making good choices about nutrition, managing stress, moderate physical exercise for your body, and mental exercises for your brain.

6. Some relationships change during retirement. If you end your career, you no longer have the built-in contacts with people you would see on a daily basis. It is a time to build new relationships and cultivate a relationship relationship with your spouse, children, grandchildren, and other significant people in your life.

This is a critical time in your life. Planning helps you maximize the unlimited capabilities and fulfill your purpose. Your journey will be unique to you. Make it be all that you hope for.

Bressler, Amery & Ross Forms Senior Issues Group to Address Baby Boomer Financial Issues

“For years, the financial industry has grappled with how to best protect seniors and vulnerable adults from exploitation,” said Richard C. Szuch, a principal at the firm who is helping spearhead the new group. “The aim of the group is to help our corporate clients deal with these issues.”

The Senior Issues Group lawyers have a shared interest in providing counsel to corporate clients who confront issues affecting seniors. They design programs to help clients prevent and detect the exploitation of seniors and avoid regulatory and litigation risk, including drafting supervisory and compliance procedures; preparing and conducting training programs; advising on reporting obligations and regulatory filings; and defending claims in litigation, wherever they may arise.

The new Senior Issues Group includes 21 attorneys drawn from Bressler’s insurance, securities, and estate planning and administration practice areas. Attorneys in the group work out of the firm’s offices in New Jersey, New York, Miami and Fort Lauderdale, Florida and Birmingham, Alabama.

Recently, Bressler completed a 50 state survey of regulations pertaining to seniors and vulnerable investors. As the laws in the 50 states are rapidly evolving, this survey is updated monthly. To view the survey, go to

“About 10,000 baby boomers will turn 65 each day for the next twelve years. With such numbers, it should be no surprise that financial exploitation costs ‘seniors’ and the financial services industry billions of dollars annually,” added Mr. Szuch, who focuses most of his practice on defending clients in the financial services sector.

Bressler’s Managing Principal, Brian Amery, said the new group is a natural outgrowth of the firm’s work in the financial services and wealth management areas. “We want to help our financial services clients navigate the transition of their baby boomer clients to aging seniors, and in the process allow them to avoid problems of financial exploitation.”

The group also provides advice on estate planning issues affecting seniors, such as identifying estate and tax strategies for seniors of varying wealth levels and ways to address a client’s current or potential incapacity.

For more information on the overall new Senior Issues Group, go to

About Bressler, Amery & Ross, P.C.

Bressler, Amery & Ross, P.C. is a leading full-service law firm that represents Fortune 500 corporations, midsize, and small privately held companies, brokerage firms, banks, franchises, insurers and non-profits. The firm also represents emerging companies, high-net-worth individuals and families. The firm’s main practices include securities, insurance, employment, and business litigation, including dispute resolution and tax. A NLJ350 firm and NJLJ Top 20 firm, Bressler has more than 175 attorneys in Florham Park, NJ; New York, NY; Birmingham, AL; Ft. Lauderdale and Miami, FL; and Washington, DC. For more information, visit


Andrew Blum, AJB Communications
917-783-1680, [email protected]

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SOURCE Bressler, Amery & Ross, P.C.

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Motor Development Milestones And Baby’s Sleep 4 – 12 Months

So, you thought that you had nailed it – your baby has just mastered the art of sleeping through the night and bang – it’s all gone sideways because they have developed a new motor skill.

Here is a list of motor development milestones – how they can affect sleep and what you can do to help your baby get back on track. A recent study noted that there was a relationship between an onset of night wakings and motor development milestones – babies were found to have a harder time settling down to sleep and would start waking more frequently at night, two weeks before they took their first steps. It is also important to remember that often babies wake up at night and like to practice their new found skills as it is so much more exciting than going to sleep – in fact, they like to cry a little or give you a call to join them for their late night rendezvous.

o 4 – 6 months

Rolling over from their back to their front but can’t roll back.

Once a baby starts to roll, the above scenario will have you up a couple of times in the night to help your baby roll back, onto their back. If you have not witnessed them roll from their tummy to their back then they probably have not yet mastered that skill – so you might have to help out initially. However, once you have seen them do it – you should refrain from getting too involved otherwise they will be calling for you to come and do it for them every time. Once a baby has the ability to roll over the neck muscles are stronger and the chance of SIDS decreases. Lots of parents worry about their baby and this tragic phenomenon, but there is no need to worry, your baby is developing normally and is building even more strength for their next amazing step.

o 6 – 9 month

Sitting – Crawling & Standing

Sitting – Once a baby has grown into their head they are not so top heavy anymore and they finally have the ability to sit. You may find that once in bed then can go from being on their back to rolling to doing a fast push- up and are up in 5 seconds flat. For co-sleeping parents this can be especially challenging once there little one is awake and sat up, they think its super fun to poke your eye and touch your nose, while practicing the odd vowel or delightful squeal at the same time. OUCH! You should deal with this by laying them back down and saying a key word or shhh in a calm and collective manor, limit eye contact and don’t do anything that will get them excited into thinking it is morning time. They may sit back up a few other times but lay them back down again.

Crawling – This is the one that you were waiting for – your little sugar plum starting to crawl and then of course – when it happens – you realize that you had so much more control when they were sitting only. Whether your baby is crawling on all fours, using their hands, with bum in the air and their legs like they are walking, or sitting on their bum and scooting around in reverse, this is another little wrench in the sleep works for you!

Babies just love to practice this kind of stuff during the night when waking during their light sleep phase. You put them to bed in one spot and the next time you see them they are squashed up in the corner with a blanket intertwined around their limbs looking rather like a pretzel.

Crawling can also bring on separation anxiety as your little one starts to realize that they are not an attachment of you but their own separate being. This type of anxiety has a distinctive cry that is often described by parents as more of a scream or as hysterical and can cause quite a bit of sleep regression.

Standing up in the crib is extremely frustrating for parents especially when this happens half way through sleep training. Just a few nights ago you could lay your baby down and they would drift off to sleep – now you lay them down and before your back is turned two little hands grasp onto the crib rails and the top of a head peppered with wisps of fine hair is struggling to peek over the top. This scenario always makes me chuckle even though it is frustrating. I think it is one of the cutest things to have your little one try and stretch to see you. If you have already left the room though and then they decide to stand it can leave your child with the feeling of being stranded – COME BACK- they cry – for you to be met by a gummy smile and wet cheeks. For most little monkeys who have reach this stage – they can get up but not down, the most worrying part is the possibility that they could fall and bang their head. If this milestone happens before sleep training – then hold off while you teach your baby how to lower himself back down. This can be done by placing your hands on top of theirs on the crib slats and lowering them down and saying a key word as well. If you are in the middle of sleep training you should stay close by and keep helping them down just be careful that you don’t turn it into a game – but practice teaching them how to get back down during the day too. If they are already sleep trained – you may have some regression – so you will be back to going in at night for a short while – stay in night time mode and don’t make too much of a fuss. The phase will pass and next on the list is walking!

o 9 – 12 months plus

Walking – another bump in the night for you – during these milestones their will be no stopping your little one as they want to explore every avenue possible – yes they will wake up at night and practice scaling the crib – walking up and down – be careful and refrain from having anything in the crib that is hard that could be a possible hazard and if you need to put some crib bumpers on or safety proof then go ahead.

Offer lots of opportunities throughout the day for you little one to explore and use up their energy, at this age they barely stop for to breath. Babies rarely like to be confined to their strollers or strapped into car seats at this age.Although your little one is full of energy that they are just waiting to burn off they still need an adequate amount of sleep so don’t be fooled into thinking that naps are not important just because your toddler is not showing signs of slowing down. At this age they still need between 11 – 12 hours of nighttime sleep and 2 – 3 hours during the day made up of two naps.

Did The Baby Boomers Ruin America?

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“Since the Boomers’ ascension to power, America has accomplished far too little, and in many important ways, has slid backward.”

“The difference between what is and what could have been is substantially the product of Boomer mismanagement and selfishness. … Their collective, pathological self-interest derailed a long train of progress, while exacerbating and ignoring existential threats like climate change.”

“As a generation, the Boomers present as distinctly sociopathic, displaying antisocial tendencies to a greater extent than their parents and their children.”

OK, I get it: My generation sucks. Venture capitalist Bruce Cannon Gibney spares no venom in his recent, data-laden indictment, “A Generation of Sociopaths: How the Baby Boomers Betrayed America.” Gen X’er Gibney argues in his book that the key driver of American failure is not ideological so much as generational.

The Baby Boomers — swaddled in affluence, morally and cognitively stunted by bottle-feeding (really — read the book), permissive parenting, and the boob tube — embraced it’s-all-about-me politics once we came to dominate the electorate in the early 1980s. It’s been downhill ever since, as we punted on national problems except when they affected our personal interests.

And so: our public works are rotting, our entitlement programs will cosset us Boomers while our progeny stagger under the bills, our planet continues to warm unsustainably, and other neglected problems pile up (including the pitfalls of artificial intelligence, which Boomers will ignore “so long as Amazon’s neural networks continue to improve the timely delivery of Depends.”)

… our current Boomer leaders, including the president and vice president, are poster boys for the book’s argument.

That line captures Gibney’s engagingly fun style, even as he heaps deadly serious blame. “Not all Boomers are sociopaths, and not all of them deserve to be condemned,” he writes. “But many Boomers do behave sociopathically, and as a generation, their management has been disastrous and needs to be terminated.”

By “terminated,” he’s not suggesting you sign do-not-resuscitate orders for your Boomer parents at Happy Acres. Rather, he’s counting on the natural evolution of the electorate. This year’s midterm elections mark the first time that more Millennials will be eligible to vote than Boomers, though whether they’ll take advantage of that fact is an open question.

Gibney focuses on the economic consequences of Boomers’ dominion, which is fair enough, as his generation got left holding the bag. But that focus skates over how we might have bettered the world in other areas, from medical advancements by Boomer researchers to Boomer President Bill Clinton’s intervention against ethnic cleansing in the 1990s.

Yet what stands out about Gibney’s book, ultimately, is its conventionality.

The economic problems he spies, and his solutions for them, are neither novel nor unreasonable. He merely wraps his analysis in deliberately provocative branding that pins the State of the Union on a generational mental illness, going so far as to consult the Diagnostic and Statistical Manual of Mental Disorders for criteria of sociopathy.

You can disagree with his view of Boomers — the Pew Research Center finds Millennials have a higher opinion of us than does Gibney — but he’s indisputably right in his conclusions: Our infrastructure has gone from best in the world to lousy. Entitlements, particularly Medicare, do need shoring up. Inequality is plundering younger Americans of the prosperity Boomers enjoyed. Only fools dismiss the scientific consensus that we must address climate change. Taxes and spending must be jiggered to address these challenges.

(And yes, for some geriatric Boomers, Amazon’s Depends delivery might add sunshine to a cloudy day.)

While not everyone born in the two decades after World War II is a sociopathic jerk, our current Boomer leaders, including the president and vice president, are poster boys for the book’s argument.

As Millennials, Gen Xers, and Boomers with a social conscience confront this hangover of neglect, they should learn from Boomer experience and tread with humility. Boomers have always been a holier-than-thou bunch. I recall a 1990s news story noting that, as children, we looked contemptuously at our parents’ gas-guzzling station wagons and swore we’d drive greener vehicles.

Ask your local SUV dealer how that turned out.

Our comeuppance at Gibney’s hands suggests that every generation, freighted with human frailty, will be haunted by the disapproval of the generation to come. Boomers’ parents, the so-called Greatest Generation, admirably conquered the Depression and fascism, but their children found them less enlightened about things like racial justice, making the civil rights movement necessary.

Remember King Lear’s lament: “How sharper than a serpent’s tooth it is to have a thankless child.” Even in Shakespeare’s day, they knew all about the generation gap.

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Baby Boomer Fitness – Getting Started

If you have had past injuries or have been sedentary for a while, you may need some additional help when starting an exercise program. Common gym exercises that may be fine for someone in their twenties, may cause discomfort or injury for someone in their forties or beyond.

The first thing you should look for is a trainer who is experienced in working with injuries or has had several post-rehab clients. You will probably have some muscle imbalances that need to be addressed first, to keep from causing an injury or to keep you from sitting a plate too soon.

After starting an exercise program you will usually see some progress in the first three or four months and then your body adapts to this new stimulus. Then you will need a new stimulus to see additional results. This could include increasing the length of time you exercise, the amount of resistance, or shortening the rest periods.

With those with past injuries or imbalances due to poor posture, if you do not correct these right away, this exercise plateau could occur sooner than normal, if injury does not occur first. So finding a trainer who is knowledgeable in future and corrective exercise is important.

Often times after an injury or being sedentary, the muscles that help stabilize your joints are weak. To not address these important stabilizers would be like putting a souped up engine in a car with worn out tires and shocks – you will not be able to use this additional power and may wreck the car.

So how do you address these important areas? Glad you asked. You first have to make sure that your body is balanced. Your muscles should be balanced front to back, side to side, and top to bottom. You need to work on your posture, making sure that your body is properly aligned with gravity, to make your movements more efficient.

One way to do this is by using whole body vibration platforms, such as the Power Plate. These platforms place you in positions where several muscles and joints are used at the same time, such as standing in a squat position. The vibrations cause your muscles to contract reflexively 25-50 times per second, beyond your conscious control.

This is a lot of stimulation to your nervous system and this can also stimulate and strengthen these important stabilizing muscles, muscles that often are weak and inefficient after injury. For example, one of my clients is looking to lose some weight. She also has past knee problems which need to be addressed.

The vibrations help stimulate her weak knee muscles and turn them back "on", so that they are contracting correctly. Obviously, this contributions to a more stable knee and allows her to exercise in a somewhat controlled manner, as many of these positions occur in a static position.

Meaning she stands on the platform and squats down to a comfortable position and places there, while the vibrations occur. Initially, these exercises are done without moving.

We have also added in different standing and floor exercises to help strengthen her "core" muscles. By combining these different exercises she can now feel her knee muscles contracting, as well as her glutes (hips), which are vital to providing stability to her pelvis, and then her low back.

So in addition to increasing her metabolism, burning some fat, she also has greater stability in muscles that were lacking strength, prior. By building this foundation of a balanced body first, we can now build the rest, knowing that we will get further results without hitting a plateau or reinjuring weak muscles.

By the way, this 30ish mother of three and part-time student had tried the traditional healthclub routine with little to show for it. The kicker is, her workouts last only 20 minutes! After about 8 sessions, she has seen results and has greater strength, stability, and endurance.

Do not think that she is not working hard, though. She is – but we're also working more efficiently. Getting more done in a shorter amount of time.

Hey, Millennials: Do you know how to make your voices heard? | Hood County News

The Millennial generation now outnumbers Baby Boomers, but Boomers are calling the shots in government because they turn out to the polls at a rate of 60 percent compared to 20 percent for Millennials, according to the Hood County Democratic Party. The obvious way to fix that disparity, of course, is for more young people to vote. A blog post on the Hood County Democratic Party’s website, titled “A Guide to Voting in Texas,” explains in detail how to become an active voter.

How to Create a Business on the Internet Without Being Frustrated

A lot of people want to start their own business, and become independent with a small business of their own.

For this, you must recognize that the Internet is the ideal way. It offers so many possibilities, or so that's what we hear say everywhere, the gurus of the Internet will tell you, its talked about about all the forums, and even in everyday life, in the press or at work.

But now, what company will you create? what will you sell? what service do you offer?

You should know that today, 80% of people who want to start a business on the Internet, do not know what business to start.

And then you start searching, browsing, to want to get into all kinds of plan that you are offered on the web.

But unfortunately, it never works, so we persist, we try a new system that promises to win big by hard working, and then another, and so on, until one day we quit fed up all this money money and so much effort for nothing. I know what I'm talking about, I've been there.

And our beautiful dream of working at home, in pajamas, or taking breakfast at the pool side, while viewing our turn of the night, has vanished.

And so what is left of all this? From everything we have been promised, solely in order to take our money?

Nothing, nothing remains!

Yet some, with a lot of will power and perseverance, and above all hard work, ever succeeded.

Yes, if you really want to make money on the Internet, you need to find a business idea that really suits you, and above all that you like, this means something that you will enjoy doing.

If you have a passion, a hobby such as gardening, building models, collections of all kinds, and many other things, why not make it a business on the Internet?

There you'll be in your element, and it is much easier to talk about something that we know.

It's important not to hurry things and thoroughly researching the pros and cons, and especially avoid like the plague miracle methods, you know those when they say you do not need a site, or training, or much time to devote to it, and you will earn lots of money.

I've tried dozens of them, to no avail.

Because to succeed in making money on the Internet, you have to work hard. Making money without working, it does not exist not on the Internet or anywhere else. There is no free lunch.

But if you are organized, persistent, and you're ready to spend several hours every evening in front of your computer screen, then you should pull yourself ahead of the game And when you start to see money go into your bank account, what happiness , what pleasure.

In conclusion, if you're really motivated, then go for it, carefully, but go for it, you will not regret it.

Millennials Are Way Poorer Than Baby Boomers Ever Were

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Baby Boomers and Timeshare Travel – Warning – Why You Should Not Buy a Timeshare

Baby boomers who love to travel do not need to fork out the thousands of dollars needed to buy a timeshare just to travel to timeshare properties worldwide.

Why address the concerns of baby boomers and timeshare travel? Many boomers are not even aware of what is involved in purchasing a timeshare. Timeshares are not only very expensive but they are also very restrictive. Once you purchase a timeshare your obligation is not over. Most timeshare purchases require a maintenance fee that is to be paid either monthly or yearly. The price of the fee can change at any time due to unforseen circumstances such as bad weather or damage to the properties commonly owned. Perhaps the common ownership wants new furniture in all of the units. That cost will get passed along to the timeshare owners as well.

Timeshare purchases up front are very expensive ranging on average from $ 15,000 plus maintenance fees to $ 80,000 plus other expenses. Normally a downpayment is required and then monthly payments can be arranged or you will be asked to put the balance on a credit card. When you are ready to travel you will have options of traveling to the same property year after year for a designated number of years or you will be on a point system. If you are on a point system you will be able to travel to a wide variety of properties and you may even be able to choose the time of the year you want to travel.

What happens to a baby boomer and timeshare travel when the baby boomer can not travel for some reason? That property will sit empty without the boomer can find someone to rent it to or give it to to use for that year. That is money wasted that did not need to be wasted.

There are alternatives. One of the best I have seen is a timeshare travel club membership. This type of membership will allow you to travel to just about anywhere in the world to 5, 4, and 3 star resorts for a one time membership fee and then dearly discounted prices thereafter. Every baby boomer should weigh the facts about timeshares and travel club memberships before they purchase either one.

For more information on two of the leading travel membership clubs on the internet today you may want to visit the two links below.

How the ‘Baby Boomer’ Label Can Lead to Discrimination

New research finds aging people are treated more fairly if they are identified as older workers rather than Baby Boomers.


Many labels come with stereotypes attached, and applying them can influence how a specific individual is viewed, and treated. While these harmful labels are often based on race or religion, new research identifies a different large group of Americans who are surprisingly subject to being stigmatized: Baby Boomers.