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Jan presenting for AARP in Dublin, Ohio (Sept. 2013)



Lessons from Parker




I recently had the privilege of watching my 11-month old adorable grandson for eight days while my daughter and son-in-law went on a vacation.  What did I learn?


  • Wake up smiling each day.  Parker views each morning as a great adventure waiting to happen, and he relishes every day.  So should we.
  • Take pleasure in the little things.  Who knew balloons or a box could be so intriguing?  Approach even the mundane with fresh eyes.
  • Live in the moment.  When Parker is devouring his cantaloupe and Cheerios, he is fully involved  and engaged. Enjoy the present.
  • Balance is important.  Parker can take about a dozen steps at a time, but needs to be “centered” before he takes off.  Good advice for us all.
  • Love generously.  Parker hasn’t met a person he doesn’t like.  He accepts everyone, regardless of race, religion, politics, or sexual orientation. Try it.
  • Get plenty of sleep.  Eleven hours a night, plus two naps during the day keeps Parker in a good mood and full of energy. Slumber like a baby.
  • Try new things.  Each day brings new opportunities: trying a new food, looking at a new book, investigating new surroundings. Makes the mind grow.
  • Be resilient.  When Parker falls down, he might cry a bit, but he gets back up, crawls to a piece of furniture (or grammy’s leg), and pulls himself up again. He views failure as a temporary set-back.  Nice outlook.
  • Laugh often.  Nothing like a huge belly laugh from a baby watching a tennis ball thrown in the air.  Find the humor in everyday things.




From "Book Page Reviews"

Money makeovers for the new year

As the new year begins, many readers are looking for advice on getting their finances or careers in order. Whether you need a kickstart for saving and organizing your money, a guide to planning your retirement, a blueprint for considering a second career or a handy encyclopedia of money-saving tips and tricks, these books will help you get your footing when it comes to your finances.

Though you may be reluctant to be seen reading it in public, Jan Cullinane’s The Single Woman’s Guide to Retirement is a guidebook in the best possible sense. Carefully organized and exceedingly thorough, Cullinane’s guide covers everything from financial basics—including taxes, retirement funds and costs of living—to where to live now that the kids have left the nest and what to do with your sudden influx of free time. Featuring first-hand accounts from women who have gone through a myriad of life changes, including being widowed or divorced, or changing careers or locations, Cullinane moves through the considerations many retiring women face with logic and heart. Lest you think this is only for the older (and, as the title suggests, single) women in your life, the book opens with information on how women are statistically likely to outlive men, or suffer financially from a divorce. It’s full of good advice for all, although the carefully researched and detailed specifics Cullinane includes at the end of each chapter might be best for those single women close to, or in, their retirement years.

Restart Retirement: "Surprising New Retirement Statistics" by Jan Cullinane

Here are several fascinating findings from the 2012 EBRI (Employee Benefit Research Institute) survey.

This is the 22nd year that the EBRI has published its “Retirement Confidence Survey.” The results demonstrate that what we THINK will happen in retirement and what WILL happen are not always the same.

I call this “Expectation vs. Reality.”

For example:

  • 70% of respondents planned to work in retirement, but only 27% are actually working in retirement.
  • 8% of respondents planned to retire before they are 60, but 40% actually did retire before 60.
  • 16% planned to retire between the ages of 60 – 64, but 25% actually retired between 60 – 64.

Other interesting findings:

  • 60% of workers have saved $25,000 or less (not counting their home and any defined benefit plan) for retirement.
  • 56% of workers haven’t calculated what they will need to save so they can live comfortably in retirement.

Where are you in these statistics? Did you plan to keep working, but couldn’t? Do you know how much you’ve saved for retirement? Were you able to find a job in retirement?

All the Single Ladies by Jan Cullinane in Ideal Living's 2013 Winter Magazine

Looking to relocate?  One good resource is the free IdealLiving Resort and Retirement Expos (  My article is on page 42 of their Winter 2013 magazine, Ideal Living: 

From New Book: The Single Woman's Guide to Retirement

New Book: The Single Woman’s Guide to Retirement

The number of single women age 45 and older in the United States is 25 million — and growing every year. For them, retirement planning offers unique challenges. On average, women have fewer savings and live longer than men. They have different health needs and are more likely to care for family members. This means they need a unique set of guidelines for approaching all facets of retirement, including finances, working after leaving a primary career, relocation, health, travel, giving back, and caregiving.

A new book, The Single Woman’s Guide to Retirement, is the only book that approaches retirement for single women in a holistic manner. Retirement expert Jan Cullinane addresses the challenges and opportunities single women have when it comes to planning for a successful and rewarding retirement. She combines personal anecdotes and professional advice to offer a comprehensive guide to the retirement-related issues single women encounter.

The Single Woman’s Guide to Retirement offers a wide breadth of advice, encouragement, and specific suggestions to help women plan for a happy, fulfilling retirement. It provides the reader with checklists, references, quizzes, and advice from experts and women just like the reader, Cullinane presents a retirement guide that is all-encompassing yet practical and easy to read. It covers topics from fitness to finances to “the five D’s”—divorce, death, dating, dependency, and deepening connection

The book will help this large and growing demographic answer questions such as:

  • What makes single women special?
  • When is the right time to retire from a primary career?
  • How should you best use the 168 hours a week after you retire?
  • How can you maintain a healthy lifestyle after retirement?
  • What are some financial strategies to achieve a successful retirement?
  • Should you pursue a second career? And if so, where are the hot jobs?
  • What are the best places to retire and how do you choose where to relocate?

The 307-page paperback book was published in October and retails for $18.95.

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