Casey Weade - Job Optional*: *The science of retiring with confidence; the art of living with purpose.

The opinions expressed in this material represent the current, good faith views of the author at the time of publication and are provided for limited purposes, are not definitive investment advice, and should not be relied on as such. Any investments or strategies referenced herein do not consider the investment objectives, financial situation or particular needs of any specific person. Product suitability must be independently determined for each individual investor. Casey Weade and Howard Bailey Financial Inc. explicitly disclaim any responsibility for product suitability or suitability determinations related to individual investors.

Some of the investment products discussed herein are considered complex investment products. Such products contain unique risks, terms, conditions and fees specific to each offering. Return of principal is not guaranteed above FDIC insurance limits and is subject to the creditworthiness of the issuer. You should not purchase an investment product or make an investment recommendation to a customer until you have read the specific offering documentation and understand the specific investment terms and risks of such investment.

Any guarantees described herein are subject to the claims-paying ability of the issuing company.

Investment advisory services offered through Howard Bailey Securities LLC, a Registered Investment Adviser. Casey Weade and Howard Bailey Financial do not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.

Copyright 2019 by Casey Weade.

All rights reserved. No part of this publication may be reproduced, distributed or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law. For permission requests, write to the publisher at the address below.

Job Optional*, The Purpose Based Retirement and Howard Bailey Financial are registered trademarks of Howard Bailey Financial. All rights reserved.

Casey Weade/Howard Bailey Financial

6526 West Jefferson Blvd.

Fort Wayne, IN 46804

www.HowardBailey.com

Job Optional*/ Casey Weade1st ed.

ISBN 978-1944194543

I would like to dedicate this book to my wife and rock, Chelsie, and my two boys, Calvin and Carver, who are my greatest purpose in life.

In his new book, Casey has brought his experience and stories to really drive home what retirement is all about, and how to achieve it successfully. This is great food for thought for those approaching retirement.

~Dr. Wade Pfau, Professor of Retirement Income at The American College, Author & Founder of Retirement Researcher

Casey delivers a very personal and powerful message in his book Job Optional and continues to move the needle forward for the financial planning profession. This is a must read for anyone doing retirement income planning.

~Jamie Hopkins, J.D., LL.M., CFP, Director of Retirement Research at Carson Group

Casey Weade delivers sound wisdom packaged in a fresh, relevant form. Dive into his content and youll grow yourself as well as your assets.

~Kary Oberbrunner, Speaker, Coach, Author of Day Job to Dream Job

A unique and refreshing take on breaking free from your 9 to 5 and preparing for your dream retirement; not just the financial side, but the emotions that come along with beginning a new chapter and making sure your Golden Years are fulfilling.

~Dr. Hans Finzel, best-selling author of Launch Your Encore, President of HDLeaders

A must read for sound financial guidance. Casey compacts 10+ years worth of retirement planning experience into an easy-to-follow guide to having the financial freedom to step away from your job and into your next chapter.

~Cody Foster, Co-Founder & Owner of Advisors Excel

Most investment professionals focus strictly on the financial side of retirement planning. But Casey Weade believes retirement planning should start with the question, What does a purposeful retirement mean to you? His book will help you create a meaningful retirement that is both financially secure and personally rewarding. Using his advice, the rest of your life really can be the best of your life.

~Nancy Collamer, author of Second-Act Careers: 50+ Ways to Profit from Your Passions During Retirement

I have had the opportunity to work with some amazing clients over the years and have developed wonderful and long-term relationships with many of them. Not only do I appreciate the opportunity to work with them, but I value the trust I have developed with them.

The people whose financial lives are discussed in this book are a composite of many clients I have worked with over the years. As you might expect, the names, situations, and personal details shared throughout the book have been changed to protect their privacy.

This isnt your typical financial book looking to sell you on a product or service; its unfiltered and frank advice offering actionable items to implement in your personal and financial life. This book is a guide to help you pursue the retirement you have always dreamed of.

This book is about discovering and deciding what your lifes purpose is and how to live it to the fullest in retirement.

For you, retirement may mean that you stop working and enjoy each day without the worry of how you will pay for everything.

Or perhaps for you, retirement means the freedom to quit your current job at a moments notice with financial confidence and live out your passions.

Or maybe you never want to stop working, and for you, retiring simply means being able to fund your professional passions without sacrificing your personal endeavors.

Whatever retirement means to you, if youre ready to take the planning of it seriously, youve found the right place to start. We are about to take a deep dive into retirement planning, covering a broad range of topics, risks, ideas and strategiesno holds barred. To have a truly confident retirement, you might have to do some legwork and dig deep.

There is no silver bullet for your retirement years, despite what you may have been told. There are no perfect investments, or plans, for that matter, but if you can identify the specific purpose for your life savings, you can find the most efficient way of getting there.

Once you have a solid understanding of the risks you will face and an outline of the specific strategies to overcome each risk, you can start enjoying the money you saved and stop thinking about it not being there when you need it most.

CHAPTER
ONE

I remember it like it was yesterday. I was 8 years old, sitting in my grandparents living room in the small town of Ligonier, Indiana, on a Saturday afternoon. My grandparents lived in a modest home on Second Street, just a few blocks from the city park where my dad played as a child. Usually when I remember the times I spent at my grandparents home, I remember them sitting around the dining room table playing cards or reading the paper. This Saturday was no different. My grandfather, Howard, was reading the newspaper and my grandmother, Christine, was playing Solitaire with actual playing cards (at the time, I didnt even know it was possible to play that game without a computer). I sat in the living room playing with my favorite toy, an old wooden train set that was handed down from a prior generation. I had trouble putting this train set down for anything, much like my own sonby the scale of the tantrum he throws, youd think it was the end of the world when its time to put down old Thomas the Train. But this afternoon, something was different. I heard a noise we dont too often hear anymoreone that excites most children (and, I think, anyone with an inner child).