{"id":10083,"date":"2020-11-24T10:48:01","date_gmt":"2020-11-24T15:48:01","guid":{"rendered":"http:\/\/staging-prblog.paladinregistry.com\/blog\/?p=10083"},"modified":"2020-11-24T10:48:02","modified_gmt":"2020-11-24T15:48:02","slug":"2020-embracing-the-silver-linings","status":"publish","type":"post","link":"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/","title":{"rendered":"2020: Embracing the Silver Linings"},"content":{"rendered":"\n

As 2020\ndraws to a close, it\u2019s likely that many of us are harboring a host of mixed\nemotions surrounding the events of the past ten months. From small business\nshutdowns, to the Black Lives Matter movement, to the Presidential election,\n2020 has been a polarizing year. Despite living in the same pandemic-swept\nworld, we are all having very different experiences.<\/p>\n\n\n\n

In\naddition to physical social distancing that quite literally dictates we isolate\nourselves from one another, there are currently a number of other forces\npulling us apart from one another: political party affiliations, ideological\ndifferences, racial division, health concerns, and COVID-19 precautions, just\nto name a few. These, of course, are the heavy-hitters that have impacted our\ndaily lives so powerfully. <\/p>\n\n\n\n

In\nreality, though, some days we may feel isolated or distanced from others\nbecause of our heightened emotions. At moments, the sheer frustration and\nfatigue that accompany life transitions\u2014learning to live differently, work\nvirtually, or become our children\u2019s second teachers\u2014can wear us down and cause\nus to push those closest to us away. <\/p>\n\n\n\n

But\ndespite all of the dynamics working to physically and emotionally divide us,\nit\u2019s certainly worth noting that these hardships have also endeared us with a\nnumber of silver linings. These silver linings (ironically enough) essentially\ncome down to us having more opportunities to grow closer together. Our new\nvirtual working environments and children\u2019s remote learning situations have\nafforded us time luxuries with one another we previously did not have. <\/p>\n\n\n\n

Without\nhaving to commute to and from the office, we are able to spend more time at\nhome. Want to take a walk with your spouse or a friend mid-day to enjoy the brisk\nair of this shift to fall weather? This new atmosphere makes that possible.\nWant to help your child in an area of study they are struggling in? You are now\nmore present to be able to do so. <\/p>\n\n\n\n

Even\nthough there is much to be frustrated with in 2020, we can\u2019t forget to\nacknowledge what we have gained. There is no argument that longer days and more\nquality time with those we love are invaluable gifts that have served to bring\nus closer amidst so many external dividers. <\/p>\n\n\n\n

Retirement Planning \u2013 The Personal Side<\/strong><\/h2>\n\n\n\n

This\nnew world we live in could also present somewhat of a tectonic shift for those\nindividuals nearing retirement\u2014and not just from a financial standpoint, but a\npersonal one. Once you retire from your life\u2019s work, after having diligently\nsaved and invested for this next chapter, you should get the opportunity to\ntruly enjoy it. <\/p>\n\n\n\n

Chances are you\u2019ve been looking forward to and planning how you will spend your retirement for decades. For many, this vision involves traveling or spending more time with children and grandchildren. But, current conditions may have you considering some adjustments.<\/p>\n\n\n\n

If traveling was a major cornerstone in your retirement plans, for example, but you have health concerns that could deter you from flying, you may need to delay travel until conditions improve. If you were planning on working part-time in your early retirement years, there may not be as many positions available as there once were pre-pandemic. And of course, from a financial standpoint, you may have felt the need to delay retirement due to the market downturn in March until you were able to feel more confident you\u2019ll have the financial resources to be able to enjoy the things you\u2019d like to once you leave the workforce.<\/p>\n\n\n\n

Financial\nplanning for retirement is only one side of the coin when it comes to a\nsuccessful retirement. Choosing activities to fill your days that bring you personal\njoy and fulfillment is the other. As financial planners, it is our job to align\nthese goals to help you enjoy this time you prepared so long for. In our eyes,\nonly addressing the financial side of retirement is like handing you a broom\nwith half the bristles missing. Getting the job done is going to be much harder\nand take longer to get right when you don\u2019t have the most efficient tools you\nneed to succeed. <\/p>\n\n\n\n

So\nperhaps, then, the silver lining here is that you really get the chance to\nre-evaluate what is important to you and decide how you will prioritize those\nelements in your retirement years. If you\u2019re postponing your travel plans,\nperhaps there is a new hobby or interest you\u2019ll now have the time to explore.\nOr, maybe you can take time to uncover some local treasures you have yet to\nexperience. The important thing is that you have a plan, even if it has to be\nadjusted (which it most likely will) as both you and your retirement evolve. <\/p>\n\n\n\n

At\nWilliams Asset Management, we are here to support you through all of life\u2019s\n(and the markets\u2019) ups and downs. We won\u2019t hand you a sub-par broom and wish\nfor the best. We endow you with the most up-to-date, academic knowledge, tools,\nand guidance to increase your probability of retirement success both financially\nand personally.  We take great pride in\nseeing our clients live their best lives to and through retirement. <\/p>\n\n\n\n

Brian\nMcKinney, CFP\u00ae <\/sup>is a Financial Advisor with Williams Asset\nManagement. Williams Asset Management is located at 8850 Columbia 100 Parkway,\nSuite 204, Columbia, MD 21045. He offers advisory services as Investment\nAdviser Representatives of Commonwealth Financial Network\u00ae, a Registered\nInvestment Adviser. Fixed insurance products and services offered by Williams\nAsset Management. For additional information about the services of Williams\nAsset Management, please call (410) 740-0220 or email\nat Info@WilliamsAsset.com. \u00a9 Williams Asset Management. For more\ninformation about Williams Asset Management, please visit\nwww.WilliamsAssetManagement.com.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

As 2020 draws to a close, it\u2019s likely that many of us are harboring a host of mixed emotions surrounding the events of the past ten months. From small business shutdowns, to the Black Lives Matter movement, to the Presidential election, 2020 has been a polarizing year. Despite living in the same pandemic-swept world, we are all having very different experiences. In addition to physical social distancing that quite literally<\/p>\n","protected":false},"author":116,"featured_media":10084,"comment_status":"open","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[324,765,117],"tags":[],"class_list":["post-10083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-the-news","category-personal-finance","category-retirement"],"yoast_head":"\n2020: Embracing the Silver Linings - Paladin Registry<\/title>\n<meta name=\"description\" content=\"Chances are you\u2019ve been looking forward to and planning how you will spend your retirement for decades. 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Want to know in details read on.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/\" \/>\n<meta property=\"og:site_name\" content=\"Paladin Registry Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-24T15:48:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-11-24T15:48:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2020\/11\/Retirement_Planning.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"730\" \/>\n\t<meta property=\"og:image:height\" content=\"608\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Brain McKinney\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:site\" content=\"@PaladinRegistry\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Brain McKinney\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/\",\"name\":\"2020: Embracing the Silver Linings - Paladin Registry\",\"isPartOf\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/retirement\/2020-embracing-the-silver-linings\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.paladinregistry.com\/blog\/wp-content\/uploads\/2020\/11\/Retirement_Planning.jpg\",\"datePublished\":\"2020-11-24T15:48:01+00:00\",\"dateModified\":\"2020-11-24T15:48:02+00:00\",\"author\":{\"@id\":\"https:\/\/www.paladinregistry.com\/blog\/#\/schema\/person\/5ba474f6e19dfbaa627f8f0ea41a9cb6\"},\"description\":\"Chances are you\u2019ve been looking forward to and planning how you will spend your retirement for decades. 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If you ask him where is the best place to get crabs in the greater Baltimore area, his response would be Bird River Inn & Crab House, a quaint crab house located in Middle River.\",\"url\":\"https:\/\/www.paladinregistry.com\/blog\/author\/brian-mckinney\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"2020: Embracing the Silver Linings - Paladin Registry","description":"Chances are you\u2019ve been looking forward to and planning how you will spend your retirement for decades. 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