Portfolio Life: The New Path to Work, Purpose, and Passion After 50 by David D. CorbettPortfolio Life: The New Path to Work, Purpose, and Passion After 50 by David D. Corbett

Portfolio Life: The New Path to Work, Purpose, and Passion After 50

byDavid D. CorbettAs told byRichard Higgins

Hardcover | November 10, 2006

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Praise for Portfolio Life

"Dave Corbett's book turns two simple ideas into a program for life-enrichment, that you can create a life expressly for yourself and that the so-called retirement years are the best time to do it. Drawing on a lifetime of work with people who were rethinking what they wanted and their direction, he shows how to do both those things. Be warned: If you read the book, you're going to be changed. But I think you'll like how you turn out."
--Bill Bridges, author, Transitions and Job Shift

"Dave's book reveals a powerful and profound formula for crafting a genuinely rich life. If you agree that retirement is passé, and you are a lifelong learner and have a desire to make your life count in a deeply fulfilling way, you will love this book."
--Fred Harburg, former chief learning officer and president, Motorola University

"Healthy, fit, financially secure, and happy for another 40 years? Is there really that kind of gold over 'them thar' hills? Yes, and Portfolio Life is the guide, leading boomers to a life path never before traveled by so many. Don't pass 50 without it."
--Natalie Jacobson, news anchor, WCVB-TV Boston

"This is the work of a wise, thoughtful author with decades of experience helping people be more successful in the next chapter of their lives. It will help you embrace change and explore the possibilities that come with an additional 20 to 30 productive years to be designed and lived on your own terms."
--Anne Szostak, chairman, The Boys & Girls Clubs of America

"This timely book should be read by anyone of any age who wants his or her life to have meaning and purpose beyond the accumulation of money and things."
--Millard Fuller, founder, Habitat for Humanity and the Fuller Center for Housing
David Corbett is the founder of New Directions, Inc., on Boston's historic waterfront, which offers planning in career and post-career fulfillment to accomplished individuals. He speaks frequently on life transitions to audiences that include executive forums, business school groups, as well as legal, medical, and human resources profe...
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Title:Portfolio Life: The New Path to Work, Purpose, and Passion After 50Format:HardcoverDimensions:208 pages, 9.1 × 5.9 × 0.8 inPublished:November 10, 2006Publisher:WileyLanguage:English

The following ISBNs are associated with this title:

ISBN - 10:078798356X

ISBN - 13:9780787983567

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It can be a time of less stress, in which we can expand our)TjT*-0.0097 Tc0.0018 Tw(minds and imaginations, play more, and enrich our wisdom. It can)TjT*-0.0002 Tc-0.0026 Tw[(be a time of oppor)-11.2(tunity for us to give back some of what we have)]TJT*-0.0088 Tc0.0008 Tw[(lear)-26.1(ned and gained. But it does not come with an owner)19.4(s manual.)]TJT*-0.0002 Tc0.0001 Tw[(In fact, most people are lar)-7(gely on their own as they enter it.)]TJ1.6364 -1.1818 TD0.0153 Tc-0.0025 Tw(Throughout their careers, they received plenty of advice on)Tj-1.6364 -1.1818 TD0.0072 Tc0.0056 Tw[(how to save for retirement and what to do with their money)68.5(. But)]TJT*-0.0002 Tc-0.0056 Tw[(in my view)66.7(, they received too little advice, education, and training)]TJT*0.0258 Tc0.0474 Tw(about how to rebalance their greatest assets: their time, their)TjT*0.0043 Tc0.0085 Tw[(ener)-7(gy)73.8(, and their gifts. In addition to having no clear guidelines,)]TJT*0.0134 Tc-0.0006 Tw(people who are age fty and above were generally not taught as)TjT*-0.0001 Tc0.0129 Tw(they grew up to think of this time as a period of personal growth.)TjT*-0.0002 Tc0.0085 Tw[(It)19.6(s hardly surprising, then, that many of them feel of)-22.2(f-kilter or in)]TJT*0.0001 Tw(need of direction as they enter this new chapter in their lives.)Tj1.6364 -1.1818 TD0.0114 Tc0.0014 Tw[(Helping people in that situation move for)-73.2(ward is one of two)]TJ-1.6364 -1.1818 TD0.0056 Tc0.0072 Tw[(purposes I have in writing this book. W)-18.1(ith traditional retirement)]TJT*0.0232 Tc-0.0104 Tw[(no longer a serious or viable postcareer option, I want to show)]TJT*0.0218 Tc-0.009 Tw[(readers how to build the creative alter)-26.2(native of a life por)-11.3(tfolio,)]TJT*-0.004 Tc-0.0039 Tw(which rests on a balance of integrated elements. Drawing on years)TjT*0.0031 Tc0.0097 Tw(of experience, I will share the ideas behind it as well as strategies)TjT*-0.0002 Tc0.0001 Tw[(and practical steps that have proven to be ef)-22.2(fective.)]TJ1.6364 -1.1818 TD-0.0066 Tw(What does the process look like? I believe that the rst step in)Tj-1.6364 -1.1818 TD-0.0037 Tc-0.0043 Tw(exploiting new possibilities is challenging your mind-set about the)TjT*0.0003 Tc0.0125 Tw[(notion of retirement. T)66.6(ake the time to investigate your assump-)]TJT*-0.0001 Tc-0.0045 Tw[(tions or to sur)-40.9(face any subconscious expectations about it. T)66.8(alk-)]TJT*-0.0051 Tc-0.0029 Tw(ing with others is a good way to do this. Thoughts that you did not)TjT*0.0258 Tc0.0519 Tw[(fully realize you had may tumble out. Be willing to lear)-26(n and)]TJT*-0.0023 Tc-0.0056 Tw(change your attitude. Why? Because how we think shapes our des-)TjT*-0.0003 Tc0.0059 Tw[(tiny)68.5(. Our inward attitudes and assumptions contribute strongly to)]TJT*0.0107 Tc0.002 Tw[(our outward reality)68.6(. Also, be bold about reframing the potential)]TJT*0.0056 Tc0.0072 Tw[(vistas before you. W)58.6(e)-0.1( need to move beyond tinkering with retire-)]TJT*0.0026 Tc0.0102 Tw(ment by adding more physical exercise or hiring retirees to work)TjET1 g90.046 653.328 312 -17.578 refBT/F4 1 Tf12 0 0 12 90.0464 644.8351 Tm0 g0 Tc0 Tw(2)Tj/F2 1 Tf9 0 0 9 104.0693 644.8351 Tm(P)Tj6.75 0 0 6.75 109.2879 644.8351 Tm-0.0002 Tc[(OR)14.7(TFOLIO)]TJ9 0 0 9 147.2923 644.8351 Tm0 Tc(L)Tj6.75 0 0 6.75 152.8712 644.8351 Tm-0.0002 Tc(IFE)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 2)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj4 0 obj>endobj5 0 obj> /ExtGState>>>endobj6 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 114.0464 619.1136 Tm0 g0.0002 Tc0.0125 Tw(in retail chain stores, as welcome as those initial steps are. What I)Tj0 -1.1818 TD-0.0003 Tc0.0037 Tw(mean is that merely resolving to walk the course instead of taking)TjT*-0.0002 Tc0.0001 Tw[(the car)-11.2(t is not going to put you in a new frame of mind.)]TJ1.6364 -1.1818 TD-0.0037 Tc-0.0042 Tw(The second step is to revise the time line you have of your life.)Tj-1.6364 -1.1818 TD-0.0132 Tc0.0052 Tw(All of us need to plan for the likelihood that we may not fully retire)TjT*0.0045 Tc0.0083 Tw[(until far later than we had ever imaginedor maybe never)79.6(. Indi-)]TJT*-0.0114 Tc0.0035 Tw[(viduals var)-69.9(y)74.1(,)0.2( of course, but increasingly this means our eighties and)]TJT*-0.0058 Tc-0.0021 Tw(nineties. Ive been astonished by the number of people I have met)TjT*0.0234 Tc-0.0106 Tw(or heard about who are working, active, and vital during those)TjT*-0.0018 Tc-0.0061 Tw(ninth and tenth decades of life. 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Possibly)73.9(,)]TJT*-0.0002 Tc0.0123 Tw[(but the mere fact that T)66.7(aylor could speculate about the existence)]TJT*0.0258 Tc0.0331 Tw(of such a consumer market and be taken seriously shows how)TjT*-0.0002 Tc0.0001 Tw[(much things have changed. W)58.6(e)-0.1( are in it for the long haul.)]TJ1.6364 -1.1818 TD-0.0097 Tc0.0018 Tw[(A third critical step is to recognize and embrace the lar)-7.1(ger per-)]TJ-1.6364 -1.1818 TD0.0005 Tc0.0123 Tw[(sonal oppor)-11.1(tunity or goal in this new stage of life. I have come to)]TJT*0.0074 Tc0.0054 Tw(think that in order to have a successful postcareer life, one must)TjT*0.0003 Tc0.0125 Tw(grapple with an existential question: How do I go about discover-)TjT*-0.0001 Tc-0.0054 Tw[(ing and experiencing what makes me happy)73.9(, what gives me fulll-)]TJT*-0.0088 Tc0.0009 Tw(ment and a sense of purpose? This means nding what creates, for)TjT*-0.0001 Tc0.0001 Tw[(each of us, the beginnings of a personal legacy)68.7(. 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The)]TJT*-0.017 Tc-0.0013 Tw(golden years style of retirement was predicated on the assumption)TjET1 g114.046 653.328 312 -17.578 refBT9 0 0 9 361.0029 644.8351 Tm0 g0 Tc0 Tw(T)Tj6.75 0 0 6.75 366.9421 644.8351 Tm-0.0001 Tc(RAILBLAZING)Tj/F4 1 Tf12 0 0 12 421.3794 644.8351 Tm0 Tc(3)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 3)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj7 0 obj>endobj8 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 90.0464 619.4993 Tm0 g0.0072 Tc0.0108 Tw(that aging equaled decline. Research has shown this assumption)Tj0 -1.1818 TD0.0156 Tc0.0024 Tw(to be self-fullling. No wonder that half of full-time retirees say)TjT*-0.0009 Tc-0.0018 Tw(they are bored! I speak before groups of retired people. Listeners)TjT*0.0095 Tc0.0085 Tw[(often approach me after)-73.2(ward to say how hard it has been to live)]TJT*0.0036 Tc-0.0064 Tw(without a purpose beyond lowering handicaps or monitoring the)TjT*0.0048 Tc0.0002 Tw(pool temperature.)Tj1.6364 -1.1818 TD0.0257 Tc0.0005 Tw[(Even with the recent shift to more active models, however)83.7(,)]TJ-1.6364 -1.1818 TD0.0118 Tc0.001 Tw(retirement in America remains a waste of what Marc Freedman,)TjT*-0.012 Tc0.0041 Tw[(the founder and president of the nonprot or)-7(ganization Civic V)96.8(e)0(n-)]TJT*[(tures, calls our nation)19.4(s enor)-26.3(mous untapped resourcethe skills,)]TJT*0.0148 Tc-0.002 Tw(experience, and wisdom of tens of millions of older Americans.)TjT*0.0132 Tc-0.0004 Tw[(This collective social capital is, to continue the metaphor)83.7(, like a)]TJT*0.012 Tc0.0008 Tw(vein of gold in the ground that we refuse to mine and spend on)TjT*-0.0002 Tc0 Tw(good purposes.)Tj1.6364 -1.1818 TD-0.0025 Tc-0.0054 Tw[(Let)19.6(s engage companies, universities, and public and religious)]TJ-1.6364 -1.1818 TD-0.0002 Tc0.0091 Tw[(institutions in generating new ways of thinking about the win-)-52.2(win)]TJT*0.0258 Tc0.0076 Tw[(oppor)-11.2(tunities that extended middle age af)-22.1(fords. Let)19.6(s make it)]TJT*0.0077 Tc0.0051 Tw[(more possible for those privileged enough to live a life por)-11.5(tfolio)]TJT*0.0085 Tc0.0043 Tw[(to for)-26.1(m par)-11.3(tnerships with those who are not. Let)19.5(s create excite-)]TJT*0.0131 Tc-0.0003 Tw(ment and curiosity around the idea that what follows a career is)TjT*0.0258 Tc0.0058 Tw(not retirement but a new perspective on life, characterized by)TjT*-0.0002 Tc0 Tw(experimentation, growth, giving back, and fulllment.)Tj1.6364 -1.1818 TD0.0165 Tc-0.0037 Tw(One hurdle still to be overcome is what to call this new per-)Tj-1.6364 -1.1818 TD-0.0088 Tc0.0009 Tw(spective, this stage that people in their fties, sixties, seventies, and)TjT*-0.0003 Tc0.0118 Tw[(eighties are passing through. Most ter)-26.2(ms for it emphasize its rela-)]TJT*0.0011 Tc0.0117 Tw(tion to aging)Tj/F3 1 Tf6.5985 0 TD[(the third age,)-272.9(the second act,)]TJ/F2 1 Tf11.3056 0 TD0.0118 Tw(and the many variations)Tj-17.9042 -1.1818 TD-0.0072 Tc-0.0008 Tw(on retirement, including )Tj/F3 1 Tf10.8763 0 TD-0.0063 Tc0 Tw[(unretirement,)-251.4(anti-retirement,)]TJ11.5003 0 TD-0.0015 Tw[(revolving retir)-4.5(e-)]TJ-22.3766 -1.1818 TD-0.0039 Tc0 Tw[(ment,)-251.5(rewirement, )]TJ/F2 1 Tf7.0818 0 TD-0.0045 Tc(and)Tj/F3 1 Tf1.8986 0 TD-0.0037 Tc(rehirement. )Tj/F2 1 Tf4.5324 0 TD-0.0045 Tc-0.0035 Tw(I call it )Tj/F3 1 Tf3.1845 0 TD0 Tw[(por)-44.1(tfolio,)]TJ/F2 1 Tf3.711 0 TD-0.0034 Tw[(after the Life Por)-11.1(t-)]TJ-20.4083 -1.1818 TD-0.0004 Tc0.005 Tw(folio Program)Tj8.25 0 0 8.25 156.7032 259.1293 Tm0 Tc0 Tw()Tj11 0 0 11 167.698 255.4993 Tm-0.0002 Tc0.0048 Tw(we developed and launched at New Directions in)Tj-7.0592 -1.1818 TD0.0238 Tc-0.011 Tw[(1994. A por)-11.1(tfolio is, literally)73.9(, a balanced collection of holdings)]TJT*-0.0028 Tc-0.0051 Tw(related to one person, such as nancial assets, job responsibilities,)TjT*-0.0156 Tc0.0077 Tw[(ar)-11.1(tistic works, and accomplishments. It)19.6(s something por)-11.1(table, some-)]TJT*0.0141 Tc-0.0013 Tw[(thing you car)-30(r)-69.9(y)-0.1( with you. The por)-11.2(tfolio represents the whole. It)]TJT*-0.0154 Tc0.0075 Tw(represents what you have or have done as an expression of who you)TjT*0.0018 Tc0.011 Tw(are. As work and life change, we take some elements out and put)TjT*-0.0104 Tc0.0025 Tw(others in, which is just what we do when we reallocate or rebalance)TjT*-0.0002 Tc0 Tw[(our investment por)-11.2(tfolios.)]TJ1.6364 -1.1818 TD0.0062 Tc0.0066 Tw[(It is tr)-33.1(ue that, practically speaking, we may not take the por)-11.1(t-)]TJ-1.6364 -1.1818 TD-0.0048 Tc-0.0031 Tw[(folio approach or pursue a por)-11.2(tfolio lifestyle until we have worked)]TJET1 g90.046 653.328 312 -17.578 refBT/F4 1 Tf12 0 0 12 90.0464 644.8351 Tm0 g0 Tc0 Tw(4)Tj/F2 1 Tf9 0 0 9 104.0693 644.8351 Tm(P)Tj6.75 0 0 6.75 109.2879 644.8351 Tm-0.0002 Tc[(OR)14.7(TFOLIO)]TJ9 0 0 9 147.2923 644.8351 Tm0 Tc(L)Tj6.75 0 0 6.75 152.8712 644.8351 Tm-0.0002 Tc(IFE)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 4)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj9 0 obj>endobj10 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 114.0464 619.1136 Tm0 g-0.011 Tc0.0031 Tw[(enough years or gained exibility on the need to make money)68.7(. But)]TJ0 -1.1818 TD-0.0002 Tc0.0078 Tw[(I also believe that there is a por)-11.2(tfolio perspective)-267.7(or mind-set that)]TJT*0.0039 Tw[(we may enter into at any age. It)19.6(s a lifelong way of looking at your)]TJT*0.0109 Tc0.0019 Tw(career integrated into the rest of your life. Although I like )Tj/F3 1 Tf26.0943 0 TD0 Tw(prime)Tj-26.0943 -1.1818 TD0.0043 Tc(time)Tj/F2 1 Tf1.9102 0 TD0.0084 Tw[(and sometimes use it, I feel that the ter)-25.9(m )]TJ/F3 1 Tf18.3697 0 TD0 Tw[(por)-44.1(tfolio)]TJ/F2 1 Tf3.536 0 TD0.0085 Tw(has advan-)Tj-23.8158 -1.1818 TD-0.0035 Tc-0.0044 Tw[(tages over the age- or stage-related ter)-26.1(ms. It speaks to what people)]TJT*-0.0139 Tc0 Tw(are )Tj/F3 1 Tf1.59 0 TD-0.0131 Tc(doing)Tj/F2 1 Tf2.3865 0 TD0.0052 Tw(with their lives, how they are living, and what they value)Tj-3.9764 -1.1818 TD-0.0029 Tc-0.0051 Tw[(not their age or stage of life. And por)-11.3(tfolio, as I said, expands into)]TJT*-0.0086 Tc0.0007 Tw(a mind-set that is ageless, in the broader sense of guring out what)TjT*-0.0003 Tc0.0001 Tw(really matters in life.)Tj/F1 1 Tf18 0 0 18 114.0464 469.1136 Tm0.072 Tc-0.0001 Tw[(From Limbo t)9.3(o)0( Lega)13.2(cy)]TJ/F2 1 Tf11 0 0 11 114.0464 450.1136 Tm0.0108 Tc0.002 Tw[(The por)-11.1(tfolio way of thinking about late middle age is still fairly)]TJT*0.0051 Tc0.0077 Tw[(new)62.8(. For decades, Americans retired after sixty)73.8(, with too many of)]TJT*-0.0048 Tc-0.0031 Tw[(them entering a period of inactivity)68.7(. The hope of spending leisure)]TJT*-0.0002 Tc0.0013 Tw(time at the golf course, pool, or shopping mall was well marketed)TjT*0.0257 Tc0.0166 Tw[(and widely shared, even if it masked a reality of boredom and)]TJT*-0.0081 Tc0.0002 Tw(depression. Not that retirees could go back if they wanted to. They)TjT*0.0027 Tc0.0101 Tw[(would clean out the desk, go to the retirement par)-11.3(t)0(y)73.7(,)-0.1( andupon)]TJT*-0.0002 Tc0.0047 Tw[(leaving the of)-22.2(ce for the last timehear a gurative loud click as)]TJT*0 Tw[(if exiting a one-way door)79.6(.)]TJ1.6364 -1.1818 TD0.0104 Tc0.0024 Tw[(This approach has not completely faded. Senior)29.8(-level execu-)]TJ-1.6364 -1.1818 TD0.007 Tc0.0058 Tw[(tives and professionals still come to me after tr)-70(ying it. I unked)]TJT*-0.012 Tc0.0041 Tw[(retirement, one for)-26.2(mer CEO told me. I point out that in fact their)]TJT*-0.0003 Tc0.0002 Tw(vision of retirement failed them.)Tj1.6364 -1.1818 TD0 Tc0 Tw(Y)Tj0.4664 0 TD-0.0129 Tc0.005 Tw(et there is a whole new life zone between career and complete)Tj-2.1027 -1.1818 TD-0.0138 Tc0.0059 Tw[(retirement, one that seems to get wider ever)-70(y day)68.7(. In this zone, new)]TJT*0.0258 Tc0.025 Tw[(for)-26.1(ms of paid and unpaid work, pursuits and possibilities, are)]TJT*0.0055 Tc0.0073 Tw(becoming available. But it has been a do-it-yourself revolution to)TjT*-0.0146 Tc0.0067 Tw[(this point. Needed oppor)-11.3(tunities are not being created fast enough)]TJT*-0.0079 Tc0 Tw[(by companies or gover)-26.2(nment programs. Progress )]TJ/F3 1 Tf21.2205 0 TD-0.008 Tc(is)Tj/F2 1 Tf0.8564 0 TD-0.0077 Tc-0.0002 Tw(being made by)Tj-22.0769 -1.1818 TD-0.0136 Tc0.0057 Tw[(those acting entrepreneurially between fty and whenever who feel)]TJT*-0.0003 Tc-0.0033 Tw[(too young or ener)-7.1(getic to retire yet who feel tired of work that no)]TJT*-0.0001 Tc0 Tw(longer enriches their lives.)Tj1.6364 -1.1818 TD-0.0092 Tc0.0013 Tw(Older people who choose to pursue a second or third vocation)Tj-1.6364 -1.1818 TD-0.0042 Tc-0.0037 Tw(are also increasingly physically able to do so. People may continue)TjT*-0.0021 Tc-0.0058 Tw(working at a reduced pace until age eighty-ve and beyond. Their)TjT*-0.0086 Tc0.0007 Tw(reasons are diverse. One is the need for income. Pension plans are)TjET1 g114.046 653.328 312 -17.578 refBT9 0 0 9 361.0029 644.8351 Tm0 g0 Tc0 Tw(T)Tj6.75 0 0 6.75 366.9421 644.8351 Tm-0.0001 Tc(RAILBLAZING)Tj/F4 1 Tf12 0 0 12 421.3794 644.8351 Tm0 Tc(5)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 5)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj11 0 obj>endobj12 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 90.0464 619.4993 Tm0 g-0.0014 Tc-0.0065 Tw(no longer reliable, and Social Security benets down the road are)Tj0 -1.1818 TD0.0044 Tc0.0084 Tw[(at risk. Investment por)-11.2(tfolios took a hit after the dot-com bubble)]TJT*-0.0002 Tc-0.0074 Tw(burst. The combination of much higher medical costs and longer)TjT*0.0001 Tc0.0127 Tw(life spans has made a long, xed-income retirement prohibitively)TjT*-0.0001 Tc0 Tw(expensive for many people.)Tj1.6364 -1.1818 TD0.0257 Tc0.0096 Tw(But there is also something else going on, which reects a)Tj-1.6364 -1.1818 TD-0.0047 Tc-0.0032 Tw[(major theme of this book. It)19.5(s a kind of revolt against the prospect)]TJT*-0.005 Tc-0.0029 Tw(of coasting through retirement. Many people in the zone between)TjT*0.0062 Tc0.0066 Tw(total career mode and total retirement want to discover or redis-)TjT*0.0203 Tc-0.0075 Tw(cover their passion. They would rather begin to create a legacy)TjT*0.0144 Tc-0.0016 Tw[(than to be in limbo. Even those who don)19.6(t have to work to ear)-26(n)]TJT*-0.0054 Tc-0.0025 Tw[(income want to work in order to tur)-26.1(n careers into callings, success)]TJT*-0.0002 Tc0 Tw(into signicance.)Tj1.6364 -1.1818 TD-0.0067 Tc0.0091 Tw[(They want to be active and contribute, star)-11(t businesses, and be)]TJ-1.6364 -1.1818 TD0.0094 Tc-0.007 Tw[(mentors and community leaders. They want to lear)-26(n and create,)]TJT*-0.0075 Tc0.0099 Tw[(paint and teach, ear)-26.1(n black belts, write musicals, and invent better)]TJT*-0.0128 Tc-0.0055 Tw(ways to do things. They are becoming entrepreneurs, going back to)TjT*-0.0249 Tc0.0066 Tw(school, and using their experience to advise or create nonprots and)TjT*-0.0058 Tc0.0082 Tw(foundations. Instead of wanting to get )Tj16.6248 0 TD-0.0041 Tc0.0065 Tw[(ahead, they want to )-5.2(make )-5.2(a)]TJ-16.6248 -1.1818 TD-0.0186 Tc0.0055 Tw[(dif)-22.2(ference. Like good visionaries, they looked at the models handed)]TJT*0 Tc0.0076 Tw[(to themtr)-33.3(udging along in golden chains or whiling away retire-)]TJT*-0.0053 Tc0 Tw[(ment in trivial pursuitsand decided they could do better)80(.)]TJ1.6364 -1.1818 TD0.0045 Tc0.0083 Tw(I heard about a woman who captured this change eloquently)Tj-1.6364 -1.1818 TD0.0258 Tc-0.0093 Tw[(not long ago. The speaker was Nancy Bailey Miller)83.8(, a poet and)]TJT*-0.02 Tc0.0069 Tw[(teacher who helped r)-33.2(un the chapel at Phillips Academy)73.7(, in Andover)83.8(,)]TJT*-0.0054 Tc0.0001 Tw[(Massachusetts, where she delivered a ser)-26.1(mon.)]TJ10 0 0 10 108.0464 269.4993 Tm0.0102 Tc0 Tw(At fty-two, I still ask myself what I will be when I grow up. I)Tj0 -1.2 TD[(have)-270.3(had many careers: middle school and high school English)]TJT*0.0206 Tc[(teacher)83.8(, mother)83.8(, Suzuki violin teacher)83.9(, grant writer)83.9(, poet, admin-)]TJT*(istrative )Tj3.8265 0 TD0.0101 Tc0.0001 Tw[(worker in nonprot, and now of)-22.3(ce manager here at)]TJ-3.8265 -1.2 TD0.0103 Tc0 Tw(Cochran Chapel. Does this mosaic comprise a sequence of jobs)TjT*0.0101 Tc0.0001 Tw[(over thir)-11.3(ty years or a calling? And now that our children are liv-)]TJT*(ing away from home, which door is opening? Which threshold)TjT*0.0102 Tc0 Tw(needs crossing? What am I supposed to be doing with my life?)TjT*0 Tc(A)Tj0.9405 0 TD0.0102 Tc[(job no longer denes who I am. Rather)83.8(, who I am seems to)]TJ-0.9405 -1.2 TD[(be)-270.3(dening the jobs I do)]TJ/F3 1 Tf10.9454 0 TD0 Tc(.)Tj/F2 1 Tf11 0 0 11 108.0464 138.4993 Tm-0.0116 Tc-0.0067 Tw[(Jobs may have once dened who we were. Now)66.6(, in the por)-11.3(tfolio)]TJ-1.6364 -1.1818 TD-0.0105 Tc0.0007 Tw[(perspective, it)19.6(s we who dene the jobs we do. I believe that people)]TJET1 g90.046 653.328 312 -17.578 refBT/F4 1 Tf12 0 0 12 90.0464 644.8351 Tm0 g0 Tc0 Tw(6)Tj/F2 1 Tf9 0 0 9 104.0693 644.8351 Tm(P)Tj6.75 0 0 6.75 109.2879 644.8351 Tm-0.0002 Tc[(OR)14.7(TFOLIO)]TJ9 0 0 9 147.2923 644.8351 Tm0 Tc(L)Tj6.75 0 0 6.75 152.8712 644.8351 Tm-0.0002 Tc(IFE)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 6)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj13 0 obj>endobj14 0 obj> /ExtGState>>>endobj15 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW n0.9 g114 626 312 -500 ref1 g114.046 653.328 312 -17.578 refBT/F2 1 Tf9 0 0 9 361.0029 644.8351 Tm0 g0 Tc0 Tw(T)Tj6.75 0 0 6.75 366.9421 644.8351 Tm-0.0001 Tc(RAILBLAZING)Tj/F4 1 Tf12 0 0 12 421.3794 644.8351 Tm0 Tc(7)Tj/F6 1 Tf14 0 0 14 182.2061 604.7358 Tm-0.0002 Tc[(Pruning Oneself in P)9.8(ortf)16.4(olio)]TJ/F2 1 Tf10.5 0 0 10.5 126 585.7358 Tm-0.0003 Tc0.0002 Tw[(There is no one right way to create a fullling alter)-26.2(native to)]TJ0 -1.2381 TD-0.0002 Tc0.0001 Tw[(retirement. Those who manage to do so, however)83.8(, tend not)]TJT*0 Tw[(to)-260(r)-33.1(ush into a plan in order to ll a void. They slow down and)]TJT*(take the time to assess their lives and their goals, during which)TjT*(they often look for ways to apply in a new way something they)TjT*-0.0001 Tc(have done well in the past. The key is listening to themselves)TjT*-0.0002 Tc(and to others and using intuition and instinct to identify what)TjT*[(feels right. A for)-26.1(mer client who did just that and who agreed to)]TJT*-0.0003 Tc0.0002 Tw[(share his stor)-70.1(y is Hank Schmelzer)79.5(. Hank is the president of the)]TJT*-0.0002 Tc0.0001 Tw(Maine Community Foundation. How he got there is an exam-)TjT*-0.0003 Tc0.0002 Tw(ple of how meaningful lives after fty are created.)Tj1.7143 -1.2381 TD-0.0054 Tc0 Tw(Hank began his work in philanthropy in 2000, at age fty-)Tj-1.7143 -1.2381 TD-0.0053 Tc[(seven and after thir)-11(ty years in nancial ser)-71.8(vices. As the presi-)]TJT*[(dent and CEO of a Boston-based mutual fund company)74.1(, he)]TJT*-0.0105 Tc[(managed $8 billion and super)-71.9(vised 240 people. When he)]TJT*-0.006 Tc0.0003 Tw[(tur)-21.5(ned fty)73.2(, Hank set a goal of star)-11.7(ting a new career in a dif)-22.7(fer-)]TJT*-0.0053 Tc0 Tw[(ent eld within ve years. When his fty-fth bir)-11.1(thday came, he)]TJT*-0.0054 Tc0.0001 Tw[(knew he)-254.8(had to tr)-70(y something dif)-22.1(ferent; he just didn)19.7(t know)]TJT*(what. At the time, the idea of walking away from his top-dog)TjT*[(salar)-70(y and perks, he told me, was gut-wrenching. Exter)-26(nal)]TJT*[(events inter)-71.9(vened. A corporate reor)-7(ganization in 1998 gave)]TJT*(him an opening: he took it and left. Hank became one of our)TjT*[(clients at New Directions that year)79.7(.)]TJ1.7143 -1.2381 TD-0.0262 Tc(Hank took the time to decompress and conduct a thorough)Tj-1.7143 -1.2381 TD0 Tw(assessment before jumping on the next train at the station.)TjT*0 Tc(W)Tj0.8917 0 TD-0.0262 Tc(illiam Bridges \(2004\), author of the book )Tj/F3 1 Tf17.1216 0 TD0 Tc(T)Tj0.567 0 TD-0.0262 Tc(ransitions, )Tj/F2 1 Tf4.1262 0 TD(calls)Tj-22.7066 -1.2381 TD[(this)-234(going into )]TJ/F3 1 Tf6.1612 0 TD(neutral,)Tj/F2 1 Tf3.1446 0 TD0.0001 Tw[(a ter)-26.1(m we frequently use at New Directions.)]TJ-9.3058 -1.2381 TD0 Tw[(Hank and his wife traveled to Italy)73.9(, where for several months he)]TJT*0.0001 Tw[(skied ever)-70(y mor)-26.1(ning and studied Italian and wrote ever)-70(y after-)]TJT*0 Tw(noon. Ideas kept coming to me, Hank told me. For the rst)TjT*0.0001 Tw[(time, I was free to create. I loved skiing ever)-70(y day)73.8(, studying Italian)]TJT*0 Tw[(and writing ever)-69.9(y day)68.7(. I began to clear away what felt insignicant.)]TJT*0.0002 Tw[(He later did a research project on gover)-26.2(nment r)]TJ19.7153 0 TD-0.0158 Tc0 Tw(egulation of)Tj-19.7153 -1.2381 TD0.0001 Tw[(hedge funds through Har)-72(vard)19.6(s Kennedy School of Gover)-26(nment.)]TJ/F3 1 Tf9 0 0 9 371.1343 137.7358 Tm-0.0106 Tc0 Tw(\(Continued\))TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 7)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj16 0 obj>endobj17 0 obj> /ExtGState>>>endobj18 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW n0.9 g91 627.5 312 -488.626 ref1 g90.046 653.328 312 -17.578 refBT/F4 1 Tf12 0 0 12 90.0464 644.8351 Tm0 g0 Tc0 Tw(8)Tj/F2 1 Tf9 0 0 9 104.0693 644.8351 Tm(P)Tj6.75 0 0 6.75 109.2879 644.8351 Tm-0.0002 Tc[(OR)14.7(TFOLIO)]TJ9 0 0 9 147.2923 644.8351 Tm0 Tc(L)Tj6.75 0 0 6.75 152.8712 644.8351 Tm-0.0002 Tc(IFE)Tj10.5 0 0 10.5 120 607.8402 Tm-0.0105 Tc(Hank said that as he sought his new path, he had to develop)Tj-1.7143 -1.2381 TD-0.0001 Tc[(a deeper knowledge about what was most impor)-11.1(tant to)-259.9(him,)]TJT*-0.0002 Tc0.0001 Tw[(what fed his core self. W)58.6(e)-0.1( sometimes glibly call the assessment)]TJT*0 Tw[(process Me 101. On the sur)-41(face, this sounds selsh. But in)]TJT*[(fact, people who tr)-33.2(uly know themselves tend to make life)]TJT*(choices that give them the will and ability to help others. I)TjT*0.0001 Tw[(believe deeply in ser)-72(ving others and changing our world for)]TJT*[(the better)79.6(. Never)-11.2(theless, I tell this to clients who want to do)]TJT*0 Tw[(just)-260(that: don)19.6(t ask yourself what the world needs. Ask what)]TJT*-0.0001 Tc(makes you come alive and go do that, because what the world)TjT*-0.0002 Tc0.0001 Tw(needs are people who have come alive.)Tj1.7143 -1.2381 TD(I also advise clients in the assessment process to follow)Tj-1.7143 -1.2381 TD0 Tw(hints from their own histories. Hank did this and along the)TjT*0.0001 Tw(way found a great metaphor for career change. He had loved)TjT*-0.0003 Tc0.0002 Tw[(apple trees since growing up in a r)-33.3(ural community outside)]TJT*-0.0002 Tc0.0001 Tw(Boston. His father had apple trees, and Hank worked in sev-)TjT*-0.0003 Tc0.0002 Tw(eral orchards. So he decided to take a course on how to revital-)TjT*(ize an apple tree.)Tj1.7143 -1.2381 TD-0.0002 Tc0 Tw[(It was all about pr)-33.2(uning the dead wood, he said, about)]TJ-1.7143 -1.2381 TD0.0102 Tc(gradually getting rid of the weak branches and suckers and)TjT*-0.0001 Tc[(laterals that overlap each other)79.7(. When you cut out the weak)]TJT*-0.0002 Tc0.0001 Tw(branches at the center of the tree, you make it a strong,)TjT*[(healthy tree that holds the heavy fr)-33.2(uit. Hank lear)-26.1(ned that)]TJT*-0.0004 Tc0.0003 Tw[(an)-260.2(overcrowded apple tree is hard to protect from disease and)]TJT*0.0002 Tw(produces small, dull apples. The older an apple tree grows,)TjT*-0.0002 Tc0.0001 Tw[(the)-260(heavier a pr)-33.2(uning it needs.)]TJ1.7143 -1.2381 TD-0.0001 Tc0 Tw[(The teacher was this old Maine duf)-22.1(fer named Amos.)]TJ-1.7143 -1.2381 TD-0.0001 Tw[(Someone asked how you know when youve pr)-33.1(uned enough.)]TJT*-0.0002 Tc0 Tw[(Amos thought for a minute. Then he said, W)58.6(ell, stand)]TJT*[(back)-260(and look. If you think you can pick up your cat and)]TJT*-0.0003 Tc0.0001 Tw[(toss)-260.1(him right through the middle, then youve pr)-33.3(uned)]TJT*-0.0002 Tc0 Tw(enough.)Tj1.7143 -1.2381 TD-0.0003 Tc0.0002 Tw(I loved that response, because it reminds me of what)Tj-1.7143 -1.2381 TD[(you)-260.1(have to do when youre going through career change.)]TJT*-0.0322 Tc0 Tw(Yo)Tj1.0474 0 TD0.2598 Tc(uh)Tj1.4396 0 TD-0.0002 Tc0.0001 Tw[(ave to tr)-70(y to open yourself up and get rid of all)-260(the dead)]TJ-2.4871 -1.2381 TD0 Tw(aspects of yourself that weigh you down or drain the nutrients)TjETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 8)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj19 0 obj>endobj20 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW n0.9 g114 627 312 -488.126 ref1 g114.046 653.328 312 -17.578 refBT/F2 1 Tf9 0 0 9 361.0029 644.8351 Tm0 g0 Tc0 Tw(T)Tj6.75 0 0 6.75 366.9421 644.8351 Tm-0.0001 Tc(RAILBLAZING)Tj/F4 1 Tf12 0 0 12 421.3794 644.8351 Tm0 Tc(9)Tj/F2 1 Tf10.5 0 0 10.5 126 607.8402 Tm-0.0002 Tc0.0001 Tw[(from your mind and soul. It)19.6(s self-pr)-33.2(uning, and it)19.6(s what you)]TJ0 -1.2381 TD-0.0003 Tc0.0002 Tw[(have to do to rejuvenate and be able to grow productively)68.5(.)]TJ2.2857 -1.2381 TD-0.0002 Tc0 Tw(In late 1999, a year after he had left his job, Hank heard)Tj-2.2857 -1.2381 TD(about an opening at the Maine Community Foundation, which)TjT*[(is based in Ellswor)-11.2(th, Maine, and which funds state projects in)]TJT*0.0001 Tw[(education, conser)-72(vation and the environment, the ar)-11.2(ts, and)]TJT*[(social ser)-72(vices. Hank said the job interested him for several)]TJT*[(reasons. He was trained as a lawyer)83.8(, and through his years in)]TJT*(the securities world, he had always remained interested in)TjT*0 Tw[(doing something connected to public ser)-72(vice. In addition, he)]TJT*0.0001 Tw(had resolved during self-assessment to seek a role that would)TjT*-0.0001 Tc0 Tw(tap into and build on his years of experience, and he discov-)TjT*-0.0003 Tc0.0001 Tw(ered that the nonprot world could benet from his nancial)TjT*-0.0002 Tc0 Tw(and managerial skills.)Tj2.2857 -1.2381 TD(Plus he had Maine in his blood. His grandfather had)Tj-2.2857 -1.2381 TD-0.0003 Tc0.0001 Tw(been a minister in Maine. His mother had grown up there.)TjT*-0.0002 Tc(And Hank had vacationed there as a child, graduated from)TjT*[(the)-260(University of Maine, and now owned a second home there.)]TJT*[(Ever)-70(y day after I lear)-26.1(ned about the job, it just got more and)]TJT*-0.0003 Tc0.0002 Tw(more interesting and engaging, he said.)Tj2.2857 -1.2381 TD-0.0106 Tc0 Tw(Hank took the job in 2000. The change took some adjust-)Tj-2.2857 -1.2381 TD0.0001 Tw(ing, he recalls, because the nonprot world, which prizes con-)TjT*[(sensus, is a dif)-22.2(ferent animal from the hard-driving corporate)]TJT*-0.0107 Tc0.0002 Tw(culture he came from. I knew my skills were valued, but it took)TjT*-0.0105 Tc0 Tw[(awhile for people to accept me and for me to feel comfor)-11.1(table)]TJT*[(in that culture. But it worked. Since he took over)83.8(, the endow-)]TJT*0.0001 Tw(ment of the Maine Community Foundation has more than dou-)TjT*0 Tw[(bled, from $78 million to $180 million, per)-26.1(mitting it to make)]TJT*0.0001 Tw[(more grants and help more people. T)74.7(oday he calls his new job)]TJT*0 Tw[(just about per)-41(f)0(ect for him. The knot he used to have in his gut)]TJT*-0.0001 Tw(Sunday nights, thinking about the coming week, has vanished,)TjT*0 Tw(and he says he loves )Tj8.679 0 TD-0.0002 Tc(getting up each day and going to work.)Tj-8.679 -1.2381 TD[(W)58.6(ere tr)-70(ying to make life better)83.8(, he explains. And he gets)]TJT*-0.0001 Tc[(an)-259.9(occasional bonus that he tr)-33.1(uly values: Hank has traded his)]TJT*-0.0002 Tc[(Blackber)-30(r)-69.9(y)0( pager for visits in his jeep on bumpy back roads to)]TJT*[(blueber)-30(r)-69.9(y)0( far)-26.1(mers in Maine.)]TJETQ41 732.015 166.438 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 9)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj21 0 obj>endobj22 0 obj> /ExtGState>>>endobj23 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 90.0464 619.4993 Tm0 g0.001 Tc0.0066 Tw(who do this during extended middle age have come to recognize)Tj0 -1.1818 TD-0.0023 Tc0.0099 Tw[(and accept that their chance to be happy)74(, to be fully who they are)]TJT*-0.0042 Tc0.0118 Tw[(meant to be on this ear)-11.2(th, is now)62.8(. This comes at dif)-22.2(ferent times to)]TJT*-0.0088 Tc-0.0043 Tw[(each of us. Sadly)73.7(, some never )]TJ12.5572 0 TD(r)Tj0.3885 0 TD(ealize it. I ur)Tj5.3023 0 TD(ge those )Tj3.7922 0 TD-0.0054 Tc-0.0076 Tw(just awakening)Tj-22.0402 -1.1818 TD-0.0094 Tc0.0015 Tw[(to this feeling to persevere. Keep this re bur)-26.1(ning, and as you plan)]TJT*0.0203 Tc-0.0075 Tw[(for the future, don)19.5(t let the concept of passive retirement even)]TJT*0.0043 Tc0.0085 Tw[(creep into your thinking. Y)31.8(ou may not do all you hope, but culti-)]TJT*0.0006 Tc0.0122 Tw(vating the ability to imagine the possibilities in front of you is the)TjT*-0.0002 Tc0 Tw(rst step.)Tj/F1 1 Tf18 0 0 18 90.0464 482.4993 Tm0.0719 Tc[(Reclaiming Oursel)21.9(ves)]TJ/F2 1 Tf11 0 0 11 90.0464 463.4993 Tm-0.0048 Tc-0.0031 Tw(I mentioned earlier that building New Directions has been a great)TjT*0.0112 Tc0.0016 Tw[(vantage point from which to obser)-71.9(ve the emer)-6.9(gence of this new)]TJT*0.0258 Tc0.0095 Tw(perspective on later life. Id like to tell you some of the broad)TjT*-0.0014 Tc-0.0065 Tw[(lessons I have lear)-26.1(ned to set a context for my discussion of por)-11.3(tfo-)]TJT*-0.0085 Tc0.0006 Tw(lio. One is how many clients have been willing to help others, even)TjT*0.002 Tc0.0108 Tw[(as they seek help planning their own careers and lives. Y)40.7(ears ago,)]TJT*-0.0016 Tc-0.0063 Tw[(I star)-11.2(ted a foundation to put the managerial skills and experience)]TJT*0.0221 Tc-0.0093 Tw(of our clients to work helping low-income people nd employ-)TjT*0.0057 Tc0.0071 Tw[(ment. So far)83.8(, some 450-plus clients have volunteered as job men-)]TJT*0.0141 Tc-0.0013 Tw(tors. Many of them may not have known it inside, but they were)TjT*0.0066 Tc0.0062 Tw(simply waiting to be asked. A surprise lesson has been how often)TjT*0.0082 Tc0.0046 Tw(our alumni, as we call them, have compared their time of transi-)TjT*0.01 Tc0.0028 Tw[(tion with us with going back to school to get rechar)-7(gedexcept)]TJT*-0.0003 Tc0.0001 Tw(that, in this case, they majored in their own lives.)Tj1.6364 -1.1818 TD-0.0006 Tc-0.0073 Tw[(I have also lear)-26.1(ned that senior executives who are able to revi-)]TJ-1.6364 -1.1818 TD-0.0057 Tc-0.0022 Tw[(talize a company)73.8(, shift its strategic focus, or adapt its of)-22.3(ferings may)]TJT*0.0234 Tc-0.0106 Tw[(not be able to do that for themselves. W)58.7(e)0( have had clients who)]TJT*-0.0047 Tc-0.0033 Tw(could manage huge, multinational corporations but hit stumbling)TjT*-0.0002 Tc0 Tw(blocks managing their own lives.)Tj1.6364 -1.1818 TD0.0081 Tc-0.0057 Tw[(The most striking surprise, however)83.8(, has been how much the)]TJ-1.6364 -1.1818 TD-0.0232 Tc0.0049 Tw[(process of career change entails a more subjective, interior)83.7(, and even)]TJT*-0.0077 Tc0.0101 Tw[(spiritual process: nothing less than the rediscover)-70.1(y and reclaiming)]TJT*-0.0082 Tc0.0003 Tw[(of our unique spark as individuals. 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They become players, not spec-)TjT*-0.0002 Tc0 Tw(tators, in the game of life.)TjET1 g114.046 653.328 312 -17.578 refBT9 0 0 9 356.3359 644.8351 Tm0 g0 Tc(T)Tj6.75 0 0 6.75 362.2752 644.8351 Tm-0.0001 Tc(RAILBLAZING)Tj/F4 1 Tf12 0 0 12 416.7124 644.8351 Tm-0.0002 Tc(11)TjETQ41 732.015 171.239 -13.015 refBT/F5 1 Tf8 0 0 8 45 723 Tm0 g0 Tc0 Tw(c01.qxp 9/14/06 3:51 PM Page 11)TjET1 G0 J 0 j 0.5 w 10 M []0 d1 i 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS0 G0.25 w 42 732 m42 708 l0 690 m24 690 l474 732 m474 708 l516 690 m492 690 l42 0 m42 24 l0 42 m24 42 l474 0 m474 24 l516 42 m492 42 lS1 G0.5 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cS0 G0.25 w 234 720 m282 720 l234 12 m282 12 l12 390 m12 342 l504 390 m504 342 l258 732 m258 708 l258 24 m258 0 l0 366 m24 366 l492 366 m516 366 l258 720 m264 720 l264 716.688 261.312 714 258 714 c254.688 714 252 716.688 252 720 c252 723.312 254.688 726 258 726 c261.312 726 264 723.312 264 720 c258 12 m264 12 l264 8.688 261.312 6 258 6 c254.688 6 252 8.688 252 12 c252 15.312 254.688 18 258 18 c261.312 18 264 15.312 264 12 c12 366 m18 366 l18 362.688 15.312 360 12 360 c8.688 360 6 362.688 6 366 c6 369.312 8.688 372 12 372 c15.312 372 18 369.312 18 366 c504 366 m510 366 l510 362.688 507.312 360 504 360 c500.688 360 498 362.688 498 366 c498 369.312 500.688 372 504 372 c507.312 372 510 369.312 510 366 cSendstreamendobj26 0 obj>endobj27 0 obj>stream1 g/GS2 gs0 732 m0 732 lfq1 i 24 708 468 -684 re0 732 mW n0 732.015 516 -732 reW nBT/F2 1 Tf11 0 0 11 108.0464 619.4993 Tm0 g-0.0057 Tc-0.0023 Tw(If you can direct that kind of curiosity )Tj/F3 1 Tf16.388 0 TD-0.0055 Tc0 Tw(inward,)Tj/F2 1 Tf3.3138 0 TD-0.0023 Tw(you will discover)Tj-21.3381 -1.1818 TD-0.0042 Tc-0.0037 Tw(the values, interests, and abilities at your core, at the nut and ber)TjT*-0.0045 Tc-0.0034 Tw(of who you are. Those qualities, once identied, can be applied to)TjT*0.0041 Tc0.0087 Tw[(oppor)-11.1(tunities and communicated to others in ways as exciting as)]TJT*-0.0002 Tc0 Tw[(the business plan of any star)-11.2(t-up.)]TJ1.6364 -1.1818 TD-0.0122 Tc0.0043 Tw[(I sometimes str)-33.1(uggle with this because it may sound selsh. But)]TJ-1.6364 -1.1818 TD0.0039 Tc0.0089 Tw(if this kind of self-actualization makes us stronger and thus more)TjT*0.0231 Tc-0.0103 Tw(able to give back to others, and I believe that it does, then why)TjT*-0.0002 Tc0.0014 Tw[(shouldn)19.6(t we speak of it with boldness and conviction? It)19.6(s usually)]TJT*0.006 Tc0.0068 Tw(people in touch with their passions who are on the front lines of)TjT*-0.0083 Tc0.0003 Tw[(volunteering. If you want to lift yourself up, said Booker T)97.8(.)0.1( W)37.7(ash-)]TJT*0.0168 Tc-0.004 Tw[(ington, lift up someone else. It)19.6(s just as tr)-33.1(ue that if you lift up)]TJT*-0.0003 Tc0.0001 Tw(yourself, you are more likely to lift up someone else.)Tj1.6364 -1.1818 TD0.025

Table of Contents

Foreword.

Preface.

1 Trailblazing.

2 A New Beginning.

3 New Realities.

4 Portfolio Life.

5 Steps Toward Portfolio.

6 Time to Give Back.

7 Closing the Gap.

8 Listen to Your Life.

9 Steps and Tools in Assessment.

10 The Portfolio Frame of Mind.

11 Five Paths to a New Mind-Set.

12 Anchors in a Sea of Change.

13 Planning for Success.

14 Moving into Portfolio.

15 Pockets of Turbulence.

16 The Goal Beyond.

Recommended Books.

Recommended Organizations and Web Sites.

Works Cited.

Acknowledgments.

The Authors.