allworth-financial-logo-color
    • Wealth Management
      • Financial Planning
      • Investment Management
      • Tax Planning
      • Estate Planning
      • Insurance Services
    • 401(k) For Employers
    • For Airline Employees
    • Our Approach
    • Why People Work With Us
    • Office Locations
    • FAQs
    • Our Fees
    • Our Story
    • Advisors
    • Our Leadership
    • Advisory Firm Partnerships
    • Allworth Kids
    • Webinars & Events
    • Podcasts
    • Financial Planning
    • Investment Management
    • Tax Planning
Meet With Us
  • Locations
  • Login
  • Contact

A Health Roadmap for Pre-retirees and Retirees

  • Share this post

“Feeling lonely (and doing nothing about it) makes no more sense than ignoring that you feel hunger.”
–John T. Cacioppo, Ph.D., University of Chicago

Feeling lonely? Or do you have a friend, relative or neighbor who is alone? Most people don’t want to admit they’re lonely because we’ve been taught to just tough it out. But that’s not good for you. Because new research has shown that, if unchecked, loneliness can actually harm you physically.

Pride and Your Health

There are 35 million people in the United States over the age of 65, and 33 percent of them live alone.[1] By 2030, there will be roughly 70 million people over the age of 65. Whereas loneliness can impact just about anyone, it gets exponentially more common as we age.

Yet far too many people choose to suffer in silence.

According to Dr. Kay M. Tye, a professor at the Picower Institute for Learning and Memory at M.I.T., 80 percent of people over the age of 65 who report feeling alone or isolated simply choose not to do anything about it.

While pride and inner strength are admirable, we should never prioritize them over our health.

Other Reasons Loneliness Goes Untreated

Another major reason we may not be equipped to address our own loneliness is that, with age, comes the passing of our partners, friends or siblings; we might be alone for the first time in our lives. Simply, it’s been many years since we built a social network.

But what that 80 percent statistic also means is that, unfortunately, even in 2016, and even with everything we’ve learned about depression and isolation, that there’s still an unfortunate stigma associated with admitting you’re lonely.

Why Loneliness is the New Smoking

First, there’s no safety net. Most of us probably understand that an elderly person living alone is at risk of falling and becoming trapped. According to US News, falls are the #1 cause of death (due to injury) for people over the age of 65 in America.[2]

But the dangers of living alone are actually much more acute than physical injury or even depression. New studies by John T. Cacioppo, Ph.D., the director of the University of Chicago’s Center for Cognitive and Social Neuroscience, have found that loneliness imperils our overall health.

According to an article published in The New York Times, Cacioppo’s research proved that severe, short-term loneliness overstimulates our body’s fight or flight response, and subsequently increases cortisol, which spikes blood pressure, limits white blood cell production, increases fat and suppresses immunity while decreasing blood flow to vital organs.

Simply, loneliness not only places a strain on the heart, it means we get sick easier; we stay sick longer, and we are more prone to chronic illness.

How do you Beat the Threat Posed by Loneliness?

“I am who I am, I am what I am,
I do what I do and I ain’t never gonna do it any different.”
–Buck Owens

Change is difficult. Most of us know that all too well. But isn’t that what makes life so interesting? Even the most-stubborn among us can adapt, if necessary.

Here are 3 ways for you, or for someone you know, to change course in life and hopefully realize a healthier and happier existence.

  1. Find and embrace your sense of purpose.

Over the last few years, I’ve dedicated myself to researching quality of life in retirement, and one thing is crystal clear: when I meet a retiree who is happy or tells me that they’ve never been happier, it’s usually someone who volunteers with a charity, nonprofit, or with children.

  1. Form relationships with your neighbors.

I know people who’ve lived in the same house for 30 years, and yet have rarely ever spoken to their neighbors. As we age, this is a habit that must be broken. All desire for autonomy aside, forming friendships with neighbors who can look in on you is a great way to feel connected and help you stay safe.

  1. Join a travel group.

A lot of single retirees don’t travel because they don’t want to do it alone. But from bird watching to bungee jumping to cruises to safaris in the jungle, the world is your oyster.

Beating loneliness means opening yourself up to new experiences. If you’re reading this, you’ve got a computer or a smart phone. Search “travel groups” in your area, and it won’t be a matter of if you can find a suitable outlet for your inner Sir Edmund Hillary, but, rather, what type of travel experience do you want to have?

Many of my clients have taken our advice and changed their lives for the better by joining a travel group.

Conclusion

At Hanson McClain, we work with people to help them enjoy secure retirements. And, yet, over the last decade, I’ve been witness to how everything has changed. For the Baby Boomer Generation, retirement is no longer an ending, it’s a beginning; a time of choice and experience and fulfillment. With more Baby Boomers founding successful startup companies than any other generation, our marketplace reflects this.

If you or someone you know is lonely, there’s never been a better time than right now to make the decision to break old patterns and habits and start anew.

[1] The New York Times, September 6th, 2016,/h6>
[2] US News, August 31, 2016

Give yourself an advantage. Sign up to receive monthly insights from our Chief Investment Officer, and be the first to know about upcoming educational webinars. You'll also get instant access to our retirement planning checklist.

Allworth Financial logo
Talk with an Advisor Contact us
  • Services
    • Wealth Management
    • 401(k) For Employers
    • For Airline Employees
  • Working With Us
    • Why People Work With Us
    • Office Locations
    • FAQs
    • Our Fees
    • Client Login
  • About Us
    • Advisors
    • Our Leadership
    • Advisory Firm Partnerships
    • Allworth Kids
    • Careers
    • Form CRS
  • Insights
    • Workshops & Events
    • Podcasts
    • Financial Planning
    • Investment Management
    • Tax Planning

Newsletter

Subscribe to receive monthly insights from our Chief Investment Officer, and be the first to know about upcoming educational webinars.

©1993-2025 Allworth Financial. All rights reserved.
  • Privacy Policy
  • Disclosures
  • Cookie Preferences
  • Do Not Sell or Share My Personal Information

Advisory services offered through Allworth Financial, a Registered Investment Advisor

Securities offered through AW Securities, a Registered Broker/Dealer, member FINRA/SIPC. Check the background of this firm on FINRA's BrokerCheck.

HMRN Insurance Agency, LLC license #0D34087

Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Allworth is engaged, or continues to be engaged, to provide investment advisory services.  Rankings should not be considered an endorsement of the advisor by any client nor are they representative of any one client’s evaluation or experience. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized advisor.  Therefore, those who did not submit an application for consideration were excluded and may be equally qualified.

1.  Barron’s Top 100 RIA Firms: Barron’s ranking of independent advisory companies is based on assets managed by the firms, technology spending, staff diversity, succession planning and other metrics. Firms who wish to be ranked fill out a comprehensive survey about their practice. Allworth did not pay a fee to be considered for the ranking.  Allworth has received the following rankings in Barron’s Top 100 RIA Firms: #14 in 2024, #20 in 2023 and #31 in 2022. #23 in 2021, #27 in 2020.

2.  Retention Rate Source: Allworth Internal Data, FY 2022

3 & 9.  NBRI Circle of Excellence and Best in Class Ethics:  National Business Research Institute, Inc. (NBRI) is an independent research firm hired by Allworth to survey our customers. The survey contains eighteen (18) scaled and benchmarked questions covering a total of seven (7) topics, and a range of additional scaled, multiple choice, multiple select and open-ended question and is deployed biannually. NBRI compares responses across its company universe by industry and ranks the participating companies in each topic. The Circle of Excellence level is bestowed upon clients receiving a total company score at or above the 75th percentile of the NBRI ClearPath Benchmarking database.  Allworth’s 2023 results were compiled from 1,470 completed surveys, with results in the 92nd percentile. Allworth pays NBRI a fee to conduct the survey.

4.  As of 1/1/2025, Allworth Financial, an SEC registered investment adviser and AW Securities, a registered broker/dealer have approximately $26 billion in total assets under management and administration.

5.  Investment News Best Places to Work for Financial Advisors:  Investment News ranking of Best Places to Work for Financial Advisors is based on being a United States based Registered Investment Adviser with a minimum of 15 full or part-time employees working in the United States and having been in business for over a year.  Firms who meet Investment News’ criteria fill out an in-depth questionnaire and employees were asked to take part in a companywide survey.  Results of the questionnaire and employee surveys were analyzed by Investment News to determine recipients.  Allworth Financial did not pay a fee to be considered for the ranking.  Allworth Financial has received the ranking in 2020 and 2021.

6.  2021 Value of an Advisor Study / Russel Investments

7.  RIA Channel Top 50 Wealth Managers by Growth in Assets:  RIA Channel’s ranking of the Top 50 Wealth Managers by Growth in Assets is based on being an active Registered Investment Adviser with the Securities and Exchange Commission with no regulatory, criminal or administrative violations at the time of the ranking, provide wealth management services as their primary business and have a two year growth rate of 30% based on assets reported on Form ADV Part 1 at the time of ranking.  Allworth Financial did not pay a fee to be considered for the ranking.  Allworth Financial received the ranking in 2022.

8.  USA Today Best Financial Advisory Firms: USA Today’s ranking of Best Financial Advisory Firms was compiled from recommendations collected through an independent survey and a firm’s short and long-term AUM growth obtained from public sources. Allworth Financial did not participate in the survey, as self-recommendations are prohibited from consideration, and all surveyed individuals were selected at random. Allworth Financial did not pay a fee to be considered for the ranking. Allworth Financial received the ranking in 2024.

Tax services are provided by Allworth Tax Solutions, an affiliate of Allworth Financial. Allworth Financial does not provide tax preparation services or advice.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Important Information

The information presented is for educational purposes only and is not intended to be a comprehensive analysis of the topics discussed. It should not be interpreted as personalized investment advice or relied upon as such.

Allworth Financial, LP (“Allworth”) makes no representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of the information presented. While efforts are made to ensure the information’s accuracy, it is subject to change without notice. Allworth conducts a reasonable inquiry to determine that information provided by third party sources is reasonable, but cannot guarantee its accuracy or completeness. Opinions expressed are also subject to change without notice and should not be construed as investment advice.

The information is not intended to convey any implicit or explicit guarantee or sense of assurance that, if followed, any investment strategies referenced will produce a positive or desired outcome. All investments involve risk, including the potential loss of principal. There can be no assurance that any investment strategy or decision will achieve its intended objectives or result in a positive return. It is important to carefully consider your investment goals, risk tolerance, and seek professional advice before making any investment decisions.