There’s no hiding from the effects of the COVID-19 pandemic, racial protests and rioting, and the political push and shove of an election year, yet one thing remains unaffected by all the above: the march of time. Come what may, we are all a year older than last year; 10 years older than 2010. 

Ready or not, we are all on our way to retirement, or have already crossed that Rubicon. So let’s step aside from the current turmoil for a moment and look down the road ahead.

When you’ve attained senior status, presumably you’ve reached the crest of that proverbial hill. Once over that summit you face life’s next great intersection.

No one approaches this juncture without some trepidation. This is no place to make