Why Financial and Lifestyle Planning Are Both Critical for a Successful Business and Retirement
In this episode of the Real Retirement Show, Yasmin and Kathleen welcome Toni Petrillo, a seasoned financial industry leader with over 25 years of experience, to discuss the multifaceted world of retirement. Toni emphasizes the importance of addressing both financial and lifestyle plans for a fulfilling retirement, detailing her journey from a financial planning executive to a retirement coach. She shares insights on the emotional challenges retirees face, the importance of building trust with clients, and her unique approach to retirement coaching that combines financial and non-financial aspects. Through real stories and expert advice, this episode aims to help retirees transition confidently into the next chapter of their lives.
00:00 Building Trust with Clients
01:17 The Real Retirement Show Introduction
02:00 Meet Toni Petrillo
03:26 Toni's Retirement Journey
05:24 Challenges and Solutions in Retirement Coaching
11:14 Connecting Financial and Lifestyle Planning
24:21 Advice for Future Retirees
25:57 Final Thoughts and Resources
Antoinette Petrillo is a seasoned professional with over 25 years of experience in the financial industry, where she excelled in building and leading teams. Recently retired from her role as a financial executive, she identified a significant gap in resources for corporate professionals navigating the transition from a thriving career to a fulfilling retirement.
Throughout her career, Antoinette has been passionate about helping others lead with confidence, both in their personal and professional lives. This dedication has driven her to provide valuable support and guidance to individuals facing the unique challenges of transitioning from the corporate world to retirement. Her mission is to empower others by offering insights and strategies that foster confidence during this transformative phase of life.
Committed to leveraging her extensive experience, Antoinette now contributes her expertise to those seeking guidance, ensuring they navigate this transition with assurance and purpose. She continues to inspire and support professionals in redefining what retirement can mean for them.
LinkedIn Profile: https://www.linkedin.com/in/antoinette-petrillo-cprc-cfp-27245198/
Website: https://retirewithintention.com/
Ask A Retirement Coach: https://boomingencore.com/community/people/a3e323c9-7af5-48ec-989b-739ec3173230
Real Retirement Video Podcast: Real Retirement - YouTube
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Toni Petrillo (00:00):
We're in the business of building trust with
(00:01):
our clients.
It's not just about theinvestments and before they hand
over their portfolio to you.
They have to know that they cantrust you.
and if you only talk aboutmoney, it will solve money
problems.
It won't solve the emotional andpsychological concerns that they
may have.
Retirement planning today reallyhas two parts to the equation.
There's the financial plan andthe lifestyle plan, and you need
(00:25):
to prepare for both so this issomething that I used to coach
my financial planners all thetime when I was reviewing their
plans, I would ask them, okay,so here's your financial plan.
You've created a good map interms of how much they're going
to need, annually and live on,and how long the money will
last.
And then I said, tell me alittle bit more about the
client.
What are their dreams inretirement?
What do they wanna do?
(00:46):
how do they wanna spend theirtime?
and.
They could tell me a little bitabout the client, but not a lot.
They know all the financials.
They know exactly what theirrisk profile is and what kind of
investments they like, and wehave to, that's our due
diligence.
We have to get that.
But I said just tell me a littlebit more about the client and
talk to me about them.
And I wait.
And the pause is quite longbecause they don't have a lot to
(01:09):
say.
So I said, we need to dig alittle bit deeper.
And at the end of the day, howcan you actually build a
financial plan for a client ifyou don't know what their
lifestyle plan
Yasmin Nguyen (01:17):
Welcome back to the real retirement show.
My name is Yasmin here with mycohost Kathleen, whether you're
retired or thinking aboutretirement, we delve into the
multifaceted world of retirementbeyond the finances.
This isn't your typicalretirement discussion.
It's a vibrant journey into whatretirement truly means in
today's world.
(01:38):
We bring you real stories fromreal retirees and experts
discussing real challenges,surprises, joys, heartaches, and
the myriad of emotions that comewith retirement.
From addressing family dynamicsto mental and physical health to
finding purpose, we tackle theissues that truly matter to
retirees and those thinkingabout retirement.
(02:00):
We are thrilled to welcome ToniPetrillo, a seasoned financial
industry leader with over 25years of experience in building
and leading teams.
After retiring from herexecutive role, Toni recognized
a critical gap in resources forcorporate professionals
navigating the transition from athriving career to a fulfilling
(02:23):
retirement.
With a deep passion forleadership and confidence
building, Toni now dedicates herexpertise to empowering
individuals through this majorlife shift.
She provides valuable guidance,insights, and strategies to help
professionals embraceretirement.
With assurance and purpose, joinus as we dive into Toni's
(02:46):
journey and the challengesprofessionals face when stepping
away from a corporate world andher mission to make retirement,
not just an end, but an excitingnew beginning.
Welcome Toni.
So glad to have you here today.
Toni Petrillo (03:00):
Thank you so much.
Thank you.
It's, it's a pleasure to behere.
Kathleen Mundy (03:03):
I was really excited to know that we were
doing this today becauseCanadians are sticking together
and I love that you're aCanadian.
Toni Petrillo (03:11):
yes, exactly.
at the end of the day, we havegreat relationships and we have
to maintain that.
So, all just white noise that weneed to just forget and keep it
out there and remember and focuson what's important.
Kathleen Mundy (03:22):
What's important?
Absolutely.
And that's what we're gonna betalking about today.
Yasmin Nguyen (03:26):
well, Toni, I'm curious, would you share with us
a little bit about your journeyand what inspired you to focus
on this retirement transitionand experience?
Toni Petrillo (03:36):
sure.
That's a great place to startactually.
So, let's talk a little bitabout my story.
as you mentioned earlier, Ispent, I.
30 years in the financial world,building and managing, financial
planning teams actually.
So I spent a lot of time on thefinancial part of retirement
planning and, I was, as much asI loved the role and I loved it,
(03:57):
did it for 30 years, I wasexcited about retirement and I
had a dream.
So while I was working andbuilding my career, I always had
a dream about.
What I would like to do inretirement, and that would be to
open up a coaching practice.
wasn't sure exactly what theniche would be, but I knew I
wanted to open up a coachingpractice.
So, as I approached retirement,I was really excited about it
(04:18):
and I.
I didn't expect though, was theemotional rollercoaster that
came with it.
and as much as you have a planand you spend a lot of time
planning on the financial side,like a lot most people do,
right?
They make sure that theirinvestments are in order and
they have enough funding forretirement.
what I didn't prepare for waswhat my life would look like
(04:39):
after work.
And even though I had a plan orsomewhat of a plan in terms of.
What my vision would be.
it really made me think and itsaid, if I'm struggling this
way, imagine that others are notstruggling the same way.
And, it made me think that thisis what my niche is gonna be.
and as much as I wanna open up acoaching practice, I wanted it
(05:01):
to be retirement coaching.
And the message is really toraise awareness just like all my
other colleagues and my peers.
for anyone that is strugglingout there and is not really
understanding why they're nothappy in retirement, that there
is help for you out there.
and that's my job really to helpthem navigate this transition
into retirement with confidenceand get and excitement for this
(05:23):
next chapter.
Kathleen Mundy (05:24):
you summed that up beautifully and I'm wondering
what were some of the biggestchallenges when you started this
journey?
Toni Petrillo (05:31):
for me the biggest challenge was, really
getting the word out there andmaking sure that, Everybody
really understood that there wasa retirement coach.
what are retirement coaches?
from a personal side, one of mychallenges was really a lack of
structure thrive in a verystructured environment and, not
(05:52):
having this sense of structure,leading teams or a sense of
purpose.
it was something that was a bigpart of my, my new life, right?
So, I quickly had to redefinewhat purpose and productivity
meant for me in retirement.
so when I was building mypractice, I really based it on
those pillars in terms of,helping people to understand how
(06:12):
to maintain their identity, howto build their social
connections and, theirwellbeing.
So those four pillars werereally the basis of my.
Coaching practice.
Retired with Intention.
Yasmin Nguyen (06:25):
would you share with us some of the challenges
that you actually face that,that may have inspired, a sense
of relatability with thoseclients that you're working
with?
Toni Petrillo (06:34):
so some of the challenges that I faced, again,
it goes back to when I closedthat office door.
and it's not literally, it wasfiguratively because it was
during the pandemic.
So it's really more when Iclosed my Zoom call.
but.
When I did close that, it was avery surreal moment for me
school.
So after 30 years having thissense of purpose and this
(06:54):
identity, which I realized atthat point that as excited as I
was about retirement, I realizedhow closely my identity was tied
into my career, and I had toquickly look around and say,
okay, well, This is somethingthat is, is if I'm struggling
with, like I said before, Ithink a lot of other people are
(07:16):
struggling with as well.
So it really made me reflect andI went into, a self-discovery
mode.
I went to find out who am Ibeyond my work and my career?
Who is Toni or who was Tonibefore she started building her
career and who is sheafterwards?
And, That question is reallysomething that is built in, and
hardwired into my coaching withmy clients as well.
(07:39):
So it's really finding that thatfeeling of disconnection, social
connections and feeling lonely.
Those were the biggestchallenges for me.
I would say
Yasmin Nguyen (07:50):
Thank you for sharing that, Toni.
we're not alone in this journeyand what you shared is really
powerful experiences that, weget a chance to navigate.
and are there particular typesof clients that really are,
ideal fit for you?
in terms of their backgrounds,where they're coming from and
what they're experiencing?
Toni Petrillo (08:08):
Sure.
so I mainly focus on careerprofessionals, professionals,
people that have reallydedicated, of their lives
towards a very long andsuccessful career.
And as, as excited as they areabout retirement, they too, end
up.
Feeling a little bit lost.
So there's what we call thehoneymoon phase, right?
And the minute they completethat phase and they start
(08:32):
realizing that, there's a senseof disconnection.
There's a loss of identity.
not really understanding whythey're not happy and thriving
in retirement, when in fact theyshould be.
so these are really The targetaudience or the clients that I
help.
having been there and havinggone through that and crossed
over into retirement, and gonethrough all of those, that
(08:53):
emotional rollercoaster, feellike those are the ones that I
can help the most and reach outto the most.
And that's where my job rightnow is to really help them
transition into this, next phaseof their life and next chapter
of their life with a lot ofconfidence and happiness really.
'cause otherwise they're not
Kathleen Mundy (09:11):
You know what you're outlining to me is
wonderful because you'veactually lived it and you have a
personal experience and I'm justwondering what makes your
approach this retirementjourney?
I.
Different from others in yourfield?
Toni Petrillo (09:26):
so others in my field.
I'm gonna ask you, Kathleen, doyou mean other, retirement
coaches
Kathleen Mundy (09:32):
Yes.
Toni Petrillo (09:33):
planners and financial advisors?
'cause they also do retirementplanning, so
Kathleen Mundy (09:38):
what you've outlined for us is dealing with
kind of the soft side of it, notthe financial end of it.
And I'm just wondering otherpeople who are working in that
field that are helping with thatretirement journey, what makes
your methodology and, differentand sets you apart?
Toni Petrillo (09:54):
so it goes back to my 30 years in the financial
world.
So I'd have to say that havingmy financial background is very
much into the mix and, wheretraditional retirement planning
does involve a little bit of.
not a little bit, but involvesthe money side.
but what I like to say is, Ihave both the 30 years of
coaching a sales team, so that'sdefinitely a strength that I
(10:17):
bring into the mix and a littlebit of my financial background
and only because.
I understand what the retirementconversation is, and what
clients are living on one side,and I wanna really compliment
the other side of that.
So having seen the financialside, I know there's definitely
a gap in the conversation, withclients and financial advisors
(10:40):
and I wanna be able to,compliment that when they are
retiring.
it's a mix of both, Kathleen.
it's really throwing into themix.
The, my financial background, mycoaching background.
I always tell clients, there'stwo forms of spending in
retirement.
There's spending of time andspending of money, and you
really do have to prepare both.
And understanding both sides ofthe equation is something that I
(11:03):
think, is what I bring to thetable.
That's, that's a strength forme.
Kathleen Mundy (11:07):
that certainly is a unique approach compared to
many others, so thank you forsharing that and really
explaining it in detail to us.
Yasmin Nguyen (11:14):
Toni, with your extensive experience in the
financial services world, andI'm curious are you finding that
more advisors are, open tohaving these conversations
beyond the financial piece withtheir clients, or is that
something that they're lookingfor outside expertise to support
them?
Hmm.
Toni Petrillo (11:33):
are financial advisors that are starting to
see the importance and therelevance of incorporating, a
holistic conversation and thatit does entail both the
financial and the lifestyleplan.
they're not ready to do itthemselves.
and I don't blame them havingrun my financial planning team,
I experienced it firsthand asimportant as they understood
what it was.
(11:53):
They weren't ready to or evenequipped to have that
conversation with their clients.
a lot of them.
Really started reaching out HeyToni, what do you do as a
retirement coach and how can wework together?
And it's, I have a call thisafternoon and right after this
with a financial advisor, fromone of the major banks here, and
he wants to know a little bitmore about my business and how I
(12:14):
can help him and how we couldwork together.
I'm working with a lotConnections that I've had, my
previous financial plannerswhere a lot of them are starting
to open up and seeing thebenefits and I've created,
guides and strategies for themas well so that they could
incorporate it within theirpractice without that extra
workload.
So it's basically just givingthem triggers on.
(12:36):
What to look for when you'rehaving the financial planning
conversation so that you couldsee that your client is also
struggling on the non-financialside.
And if you make it easy forthem, give them the triggers
that they need to look for.
Perhaps some conversationstarters so that they could,
understand but not be thesubject matter expert And know
(12:56):
when to say and bring a,retirement coach into the
conversation and say, look, Iwork very closely with so and so
who's a retirement coach, andthey can help you with some of
these questions, and some ofthese issues if you're looking
for help.
Yasmin Nguyen (13:09):
Yeah.
Toni, have you noticed thatthere's, any friction with
regards to adopting, this moreholistic approach and where does
you know some of that friction?
come from,
Toni Petrillo (13:20):
even the ones that do see the value, don't
know if they have the time.
they don't know the, and I'll bequite honest with this, is
what's the, what's in it for me,
Yasmin Nguyen (13:28):
Yeah.
Toni Petrillo (13:29):
They're all financial advisors are all
pretty much, I.
Evaluated on their sales.
I ran that team.
So as much as they understoodand liked the importance of it,
they weren't prepared to reallyincorporate it into their
practice and not understandingthe, what's in it for me?
What are the benefits for myclient, what are the benefits
for my practice?
(13:50):
are the three main pillars thatI.
Focus on when I do talk tofinancial advisors I really make
them understand, in terms ofwhat are the benefits for you
and your practice, So one thingthat they're looking for is
client referrals and how hard isit to get client referrals?
it really does help with.
Clients becoming big ambassadorsof you and your practice.
(14:11):
It helps with client retentionlong term.
It helps with, your assetretention and building trust,
which is the number one and themost important thing in terms of
the client and financialadvisory relationship.
So I really do emphasize thosethree ends.
we go into a little bit moredetail in terms of how they
could incorporate that, but Imake it very easy for them to
spot when a client is strugglingon the non-financial side then
(14:36):
quickly understand what are theconversation starters that you
can to incorporate me into theconversation or a retirement
coach, not just myself, but doyour client a favor.
But those are the aspects that Ifocus on, and those are the,
answer your question as Yasminis the.
the tension I feel is that theydon't know how to incorporate
it.
They don't wanna put in thework, they don't wanna feel like
(14:58):
a one hour conversation is gonnaturn into a two hour
conversation, so make it easyfor them.
Yasmin Nguyen (15:03):
Yep.
Kathleen Mundy (15:06):
Wow.
That is absolutely what we havefound as well.
what you're doing is confirmingto us, we've done so much
research and it's important thatthe clients are benefiting.
The advisors, the money managersare benefiting.
I think it's really important tobe able to tie those two success
stories together.
And what methods have you used,what tools do you use in,
(15:28):
reinforcing this concept toyour, financial planners?
Toni Petrillo (15:33):
so I've built out a few, like I said, a few guides
for them to make it easy.
and the first and foremost, Ihave a very honest conversation
with them just like I did I wastheir boss and they were my
financial planners.
And I said, how can I make iteasy for you or.
What is it that's stopping youfrom having this conversation?
And a lot of times we get rightto the heart of what the problem
(15:54):
is.
I'm not ready to have a two hourconversation on the
non-financial side.
I'm not equipped to have thatconversation.
I'm not even interested inhaving that conversation.
So we really pinpoint what someof the obstacles are.
then I've just created, based ontheir feedback, and I've done a
lot of focus groups and justmeetings, lunch and learns with.
(16:15):
My financial planners and otheradvisors and really to uncover a
lot of these little, Questionsand concerns that they have.
And then I built guides and justconversation starters.
what is the importance offinancial retirement, lifestyle
planning, what is it?
I really, I give them all theseguides and conversation starters
(16:36):
and, email templates so that ifthey did have to email a client
to do a follow up, just make itvery easy for them, very turnkey
equip them with just that kindof conversation.
Toni, you're really making animpact in the industry and
especially the type of, approachthat you're doing to simplify
this so that it makes it easierfor, those out on the front
(16:59):
lines to be able to at least,have that conversation and then
get them the support Through youor others that may be able to
dive deeper.
when you're working with a newclient, what are some of the
things that you've, discoveredis the first starting point to
be able to have a deeperexploration with them?
(17:19):
they need to have an openmindset.
And there's three things that Ifocus on in my coaching and that
is, mindset is important.
So you have to have thatopenness and, be curious.
'cause there are a lot ofopportunities and possibilities
out there, and flexibility.
you really wanna be flexible andopen to change, because you
could explore all theopportunities out there and if
(17:41):
you're not open to change, thenyou won't have a successful
retirement.
so those are the three that Ireally work on and I focus, I
start coaching sessions with.
Kathleen Mundy (17:52):
Because of that, I wonder if you can share a
story with us that you found oneof your clients had a major
breakthrough using yourtechniques.
Toni Petrillo (18:00):
one of my initial clients he's a retired lawyer
quite excited about hisretirement and, had all these
grand plans of very big, avidgolfer and was gonna hit all the
golf courses, everywhere andjust, have fun and enjoy the
freedom.
And, he quickly realized that,once he left his career as a
(18:20):
lawyer, that he really was alittle bit lost Without his
title, he wasn't sure.
He had worked so many years andhis identity was so intertwined
with his career that as much ashe had passions and After a few
months of playing golf, herealized that it wasn't enough
for him and he didn't understandwhy that was.
(18:41):
The big concern is, I have allthis freedom.
I have enough funding to enjoymy retirement, but I'm not happy
and I don't feel fulfilled.
So we quickly went into a fewexercises that I like to use.
for anybody post-career.
And, and one of them is, who amI beyond my work activity?
And that really helps youunderstand your core values,
(19:02):
your passions.
And we, when we did thatexercise, we realized that he
really likes to coach and towork with young professionals,
from a mentoring capacity.
So we explored that opportunityand, Shortly after he ended up
stepping into that role as oneof the mentors for young
professionals in the, some ofthe law firms that he used to,
(19:25):
that he knew.
and that's what he is doingtoday, is just mentoring young
professionals on all the ins andouts.
and he's absolutely happy.
And such gratitude that we wereable to get there together.
Kathleen Mundy (19:37):
that truly is, an example of success for sure.
Toni Petrillo (19:40):
was,
Kathleen Mundy (19:41):
Thank you for sharing that.
Yasmin Nguyen (19:43):
Yeah.
Toni, what's been mostfulfilling for you to be able to
support and guide people throughthis journey?
Toni Petrillo (19:51):
For me, it's really raising the awareness
and, knowing that there areresources.
and this is where we started atthe beginning is when I did
retire, I was struggling with myown identity and even though I
had a plan of more or less whatI wanted to do in retirement.
I could imagine with how peoplestruggle without a plan and just
(20:13):
go into retirement saying, oh, Ihave all this freedom.
I don't need to plan.
I think my biggest, I.
Where I get the most joy isknowing that there are resources
that we're building, and notjust myself, I work very closely
with other retirement coaches aswell.
with one of my colleagueretirement coaches, Jennifer, we
wrote a, retirement workbookthat we built these exercises
(20:35):
together.
and this is out there for them,so whether they want our
coaching services, if they feelthat whatever.
they're at in terms ofretirement planning.
if they wanna do it themselvesand try to see if they could
plan for it, then our book isavailable or other books are
available.
I'm just happy that we aretogether raising an awareness
(20:57):
for.
Anybody that is in retirementand not feeling happy, feeling
alone, feeling disconnected, andto be honest with you, a lot of
them are very ashamed to put upor embarrassed to put up their
hand and say, I'm not happy inretirement, that I'm not sure
why, for fear that people willjudge them.
So knowing that we've createdresources and my practice is
(21:20):
there to help them, I feel verygrateful for that.
Yasmin Nguyen (21:23):
Wow, that's really powerful.
Thank.
Thank you, Toni.
Hey, when we talk about allthese different non-financial
challenges and transitions thatpeople might face as a financial
planner, how do you connect thedots between those?
experiences that people may begoing through with the
implication of it financially.
as those things come up, likehow do you connect the dots
(21:46):
between, the financial planningpiece with the non-financial
life pieces that's going on inpeople's lives?
Toni Petrillo (21:53):
so this is something that I used to coach
my financial planners all thetime when I was reviewing their
plans, right?
I would ask them, okay, sohere's your financial plan.
You've created a good map interms of how much they're going
to need, annually and live on,and how long the money will
last.
And then I said, tell me alittle bit more about the
client.
What are their dreams inretirement?
What do they wanna do?
(22:13):
how do they wanna spend theirtime?
and.
They could tell me a little bitabout the client, but not a lot.
They know all the financials.
They know exactly what theirrisk profile is and what kind of
investments they like, and wehave to, that's our due
diligence.
We have to get that.
But I said just tell me a littlebit more about the client and
talk to me about them.
And I wait.
And I, the pause is quite longbecause they don't have a lot to
(22:37):
say.
So I said, we need to dig alittle bit deeper.
And at the end of the day, theway I connect the dots, Yasmin,
is I tell them, how can youactually build a financial plan
for a client if you don't knowwhat their lifestyle how can you
plan for that if you don't knowthat's what they wanna do?
So that's how I connect thedots.
I.
Kathleen Mundy (22:54):
So it's always about a complete understanding.
and a deep one at that andtrying to source out that
information without seeming to,be judgmental or to invade a
little bit of their privacy.
so I think that's a fine linewhen you're an advisor and
you're dealing with, quitefrankly, the unknown for them as
(23:14):
well, because it's a path thatthey, from what you've under
just explained, they don'tunderstand how to navigate that
path.
Toni Petrillo (23:22):
Exactly.
and at the end of the day, it'swhat we've been saying.
Retirement planning today reallyhas two parts to the equation.
There's the financial plan andthe lifestyle plan, and it's,
you need to prepare for both,and that's what I tell everyone
right now going forward.
That's what we need tointegrate.
And I challenge that head onwith anybody who I'm speaking to
and is, we have to have thosetwo parts.
Yasmin Nguyen (23:43):
And I imagine along with that, Toni is that
when someone really feels seenand heard and understood, it
deepens that level of trust aswell.
I.
Toni Petrillo (23:54):
and that's my hook with the financial
advisors.
Is I tell them, We're in thebusiness of building trust with
our clients.
It's not just about theinvestments and before they hand
over their portfolio to you.
They have to know that they cantrust you.
And we're in the business ofbuilding trust, and if you only
talk about money, it will solvemoney problems.
It won't solve the emotional andpsychological concerns that they
(24:17):
may have.
So you need to dig deeper alittle bit.
Yasmin Nguyen (24:20):
Wow.
or, Toni, I'm curious what, ifyou could just give one piece of
advice for someone who ispreparing for retirement, what
would that be?
I.
Toni Petrillo (24:30):
So if I've learned anything in terms of
even my own experience is, um.
you need to have an openmindset, and you have to look at
what's ahead of you and not whatyou're leaving behind.
And, always stay curious andknow what's out there for you.
Be flexible and give yourselfsome time to adjust and,
(24:51):
surround yourself with veryinspiring people.
And, that will be a good guidefor you to get started.
for what I feel are the bestchapters in your life.
Kathleen Mundy (25:01):
Toni, you've given us so many lessons to take
from this interview.
I'm wondering, what lesson haveyou learned from your clients?
Toni Petrillo (25:10):
I think the biggest lesson for me, Kathleen,
is that there's really no rightway to retire.
really is individual.
it's a, an individual journeyand it's a very personal journey
for everyone.
If I got anything from mycoaching career in, in, in
coaching in my career is thateverybody is unique and their
retirement journey is going tobe unique as well.
(25:32):
like I said, the key is juststay flexible.
Remember to embrace change andbe open to it.
And because at the end of theday, and just embrace what truly
brings you joy and fulfillment.
Yasmin Nguyen (25:46):
Wow.
this conversation has definitelybrought us joy and fulfillment
as well.
And Toni, we're so grateful thatwe get a chance to spend time
together and just the wisdom andinsights that you've been able
to share with us.
Where can our listeners find outmore and learn more about your
work?
Toni Petrillo (26:02):
sure.
So you can, find me on LinkedIn,Petrillo Antoinette Petrillo,
it's my full name.
You, I also contribute, on aregular basis to a, magazine
called Booming Encore.
I.
good friend of mine, SusanWilliams, found that and is
running it.
And, we run a, segment calledAsk a Retirement Coach.
So I often have, contribute tothat segment as well.
(26:24):
And obviously, there's mywebsite, there's a lot of
resources there, free guides.
Called, Retire With Intention.
So I invite you to take a lookaround, take a look at that, and
it's really bent to help peopledesign a, a, a happy and
fulfilling retirement.
Yasmin Nguyen (26:42):
Wonderful.
we'll make sure to include allof those resources in our show
notes so we can access directly.
Kathleen, any final thoughtsbefore we wrap up?
Kathleen Mundy (26:51):
every time we have a conversation, I learn
things and, I, I have learned somuch and it was attitudinal as
much as a hard, fast.
conversation.
I think the one thing that Ilearned is to have an open mind
and be flexible and areinforcement that everyone's
journey is different, and itsounds to me as though you're on
(27:12):
top of those, multitude ofchanges and opportunities for
people.
So I wanna thank you so much forbringing those to us today, and
we look forward to hearing moreabout what your journey is like.
Toni Petrillo (27:23):
Absolutely.
It's been a pleasure.
Thank you so much for havingthis conversation.
I enjoyed it thoroughly,
Yasmin Nguyen (27:29):
Thank you for taking the time to join us
today.
If you enjoyed this episode orfound it valuable, please
subscribe, follow, and leave acomment or review on your
favorite platform.
If you have friends, clients, orloved ones who are retired or
thinking about retirement, weinvite you to share this show
with them.
Check out the show notes withlinks to resources mentioned in
(27:49):
this episode atRealRetirementShow.
com.
Remember, retirement is a joyfuljourney we get to experience
together.
Join us next week for anotherReal Retirement Conversation.
We're in the business of building trust with
(00:01):
our clients.
It's not just about theinvestments and before they hand
over their portfolio to you.
They have to know that they cantrust you.
and if you only talk aboutmoney, it will solve money
problems.
It won't solve the emotional andpsychological concerns that they
may have.
Retirement planning today reallyhas two parts to the equation.
There's the financial plan andthe lifestyle plan, and you need
(00:25):
to prepare for both so this issomething that I used to coach
my financial planners all thetime when I was reviewing their
plans, I would ask them, okay,so here's your financial plan.
You've created a good map interms of how much they're going
to need, annually and live on,and how long the money will
last.
And then I said, tell me alittle bit more about the
client.
What are their dreams inretirement?
What do they wanna do?
(00:46):
how do they wanna spend theirtime?
and.
They could tell me a little bitabout the client, but not a lot.
They know all the financials.
They know exactly what theirrisk profile is and what kind of
investments they like, and wehave to, that's our due
diligence.
We have to get that.
But I said just tell me a littlebit more about the client and
talk to me about them.
And I wait.
And the pause is quite longbecause they don't have a lot to
(01:09):
say.
So I said, we need to dig alittle bit deeper.
And at the end of the day, howcan you actually build a
financial plan for a client ifyou don't know what their
lifestyle plan
Yasmin Nguyen (01:17):
Welcome back to the real retirement show.
My name is Yasmin here with mycohost Kathleen, whether you're
retired or thinking aboutretirement, we delve into the
multifaceted world of retirementbeyond the finances.
This isn't your typicalretirement discussion.
It's a vibrant journey into whatretirement truly means in
today's world.
(01:38):
We bring you real stories fromreal retirees and experts
discussing real challenges,surprises, joys, heartaches, and
the myriad of emotions that comewith retirement.
From addressing family dynamicsto mental and physical health to
finding purpose, we tackle theissues that truly matter to
retirees and those thinkingabout retirement.
(02:00):
We are thrilled to welcome ToniPetrillo, a seasoned financial
industry leader with over 25years of experience in building
and leading teams.
After retiring from herexecutive role, Toni recognized
a critical gap in resources forcorporate professionals
navigating the transition from athriving career to a fulfilling
(02:23):
retirement.
With a deep passion forleadership and confidence
building, Toni now dedicates herexpertise to empowering
individuals through this majorlife shift.
She provides valuable guidance,insights, and strategies to help
professionals embraceretirement.
With assurance and purpose, joinus as we dive into Toni's
(02:46):
journey and the challengesprofessionals face when stepping
away from a corporate world andher mission to make retirement,
not just an end, but an excitingnew beginning.
Welcome Toni.
So glad to have you here today.
Toni Petrillo (03:00):
Thank you so much.
Thank you.
It's, it's a pleasure to behere.
Kathleen Mundy (03:03):
I was really excited to know that we were
doing this today becauseCanadians are sticking together
and I love that you're aCanadian.
Toni Petrillo (03:11):
yes, exactly.
at the end of the day, we havegreat relationships and we have
to maintain that.
So, all just white noise that weneed to just forget and keep it
out there and remember and focuson what's important.
Kathleen Mundy (03:22):
What's important?
Absolutely.
And that's what we're gonna betalking about today.
Yasmin Nguyen (03:26):
well, Toni, I'm curious, would you share with us
a little bit about your journeyand what inspired you to focus
on this retirement transitionand experience?
Toni Petrillo (03:36):
sure.
That's a great place to startactually.
So, let's talk a little bitabout my story.
as you mentioned earlier, Ispent, I.
30 years in the financial world,building and managing, financial
planning teams actually.
So I spent a lot of time on thefinancial part of retirement
planning and, I was, as much asI loved the role and I loved it,
(03:57):
did it for 30 years, I wasexcited about retirement and I
had a dream.
So while I was working andbuilding my career, I always had
a dream about.
What I would like to do inretirement, and that would be to
open up a coaching practice.
wasn't sure exactly what theniche would be, but I knew I
wanted to open up a coachingpractice.
So, as I approached retirement,I was really excited about it
(04:18):
and I.
I didn't expect though, was theemotional rollercoaster that
came with it.
and as much as you have a planand you spend a lot of time
planning on the financial side,like a lot most people do,
right?
They make sure that theirinvestments are in order and
they have enough funding forretirement.
what I didn't prepare for waswhat my life would look like
(04:39):
after work.
And even though I had a plan orsomewhat of a plan in terms of.
What my vision would be.
it really made me think and itsaid, if I'm struggling this
way, imagine that others are notstruggling the same way.
And, it made me think that thisis what my niche is gonna be.
and as much as I wanna open up acoaching practice, I wanted it
(05:01):
to be retirement coaching.
And the message is really toraise awareness just like all my
other colleagues and my peers.
for anyone that is strugglingout there and is not really
understanding why they're nothappy in retirement, that there
is help for you out there.
and that's my job really to helpthem navigate this transition
into retirement with confidenceand get and excitement for this
(05:23):
next chapter.
Kathleen Mundy (05:24):
you summed that up beautifully and I'm wondering
what were some of the biggestchallenges when you started this
journey?
Toni Petrillo (05:31):
for me the biggest challenge was, really
getting the word out there andmaking sure that, Everybody
really understood that there wasa retirement coach.
what are retirement coaches?
from a personal side, one of mychallenges was really a lack of
structure thrive in a verystructured environment and, not
(05:52):
having this sense of structure,leading teams or a sense of
purpose.
it was something that was a bigpart of my, my new life, right?
So, I quickly had to redefinewhat purpose and productivity
meant for me in retirement.
so when I was building mypractice, I really based it on
those pillars in terms of,helping people to understand how
(06:12):
to maintain their identity, howto build their social
connections and, theirwellbeing.
So those four pillars werereally the basis of my.
Coaching practice.
Retired with Intention.
Yasmin Nguyen (06:25):
would you share with us some of the challenges
that you actually face that,that may have inspired, a sense
of relatability with thoseclients that you're working
with?
Toni Petrillo (06:34):
so some of the challenges that I faced, again,
it goes back to when I closedthat office door.
and it's not literally, it wasfiguratively because it was
during the pandemic.
So it's really more when Iclosed my Zoom call.
but.
When I did close that, it was avery surreal moment for me
school.
So after 30 years having thissense of purpose and this
(06:54):
identity, which I realized atthat point that as excited as I
was about retirement, I realizedhow closely my identity was tied
into my career, and I had toquickly look around and say,
okay, well, This is somethingthat is, is if I'm struggling
with, like I said before, Ithink a lot of other people are
(07:16):
struggling with as well.
So it really made me reflect andI went into, a self-discovery
mode.
I went to find out who am Ibeyond my work and my career?
Who is Toni or who was Tonibefore she started building her
career and who is sheafterwards?
And, That question is reallysomething that is built in, and
hardwired into my coaching withmy clients as well.
(07:39):
So it's really finding that thatfeeling of disconnection, social
connections and feeling lonely.
Those were the biggestchallenges for me.
I would say
Yasmin Nguyen (07:50):
Thank you for sharing that, Toni.
we're not alone in this journeyand what you shared is really
powerful experiences that, weget a chance to navigate.
and are there particular typesof clients that really are,
ideal fit for you?
in terms of their backgrounds,where they're coming from and
what they're experiencing?
Toni Petrillo (08:08):
Sure.
so I mainly focus on careerprofessionals, professionals,
people that have reallydedicated, of their lives
towards a very long andsuccessful career.
And as, as excited as they areabout retirement, they too, end
up.
Feeling a little bit lost.
So there's what we call thehoneymoon phase, right?
And the minute they completethat phase and they start
(08:32):
realizing that, there's a senseof disconnection.
There's a loss of identity.
not really understanding whythey're not happy and thriving
in retirement, when in fact theyshould be.
so these are really The targetaudience or the clients that I
help.
having been there and havinggone through that and crossed
over into retirement, and gonethrough all of those, that
(08:53):
emotional rollercoaster, feellike those are the ones that I
can help the most and reach outto the most.
And that's where my job rightnow is to really help them
transition into this, next phaseof their life and next chapter
of their life with a lot ofconfidence and happiness really.
'cause otherwise they're not
Kathleen Mundy (09:11):
You know what you're outlining to me is
wonderful because you'veactually lived it and you have a
personal experience and I'm justwondering what makes your
approach this retirementjourney?
I.
Different from others in yourfield?
Toni Petrillo (09:26):
so others in my field.
I'm gonna ask you, Kathleen, doyou mean other, retirement
coaches
Kathleen Mundy (09:32):
Yes.
Toni Petrillo (09:33):
planners and financial advisors?
'cause they also do retirementplanning, so
Kathleen Mundy (09:38):
what you've outlined for us is dealing with
kind of the soft side of it, notthe financial end of it.
And I'm just wondering otherpeople who are working in that
field that are helping with thatretirement journey, what makes
your methodology and, differentand sets you apart?
Toni Petrillo (09:54):
so it goes back to my 30 years in the financial
world.
So I'd have to say that havingmy financial background is very
much into the mix and, wheretraditional retirement planning
does involve a little bit of.
not a little bit, but involvesthe money side.
but what I like to say is, Ihave both the 30 years of
coaching a sales team, so that'sdefinitely a strength that I
(10:17):
bring into the mix and a littlebit of my financial background
and only because.
I understand what the retirementconversation is, and what
clients are living on one side,and I wanna really compliment
the other side of that.
So having seen the financialside, I know there's definitely
a gap in the conversation, withclients and financial advisors
(10:40):
and I wanna be able to,compliment that when they are
retiring.
it's a mix of both, Kathleen.
it's really throwing into themix.
The, my financial background, mycoaching background.
I always tell clients, there'stwo forms of spending in
retirement.
There's spending of time andspending of money, and you
really do have to prepare both.
And understanding both sides ofthe equation is something that I
(11:03):
think, is what I bring to thetable.
That's, that's a strength forme.
Kathleen Mundy (11:07):
that certainly is a unique approach compared to
many others, so thank you forsharing that and really
explaining it in detail to us.
Yasmin Nguyen (11:14):
Toni, with your extensive experience in the
financial services world, andI'm curious are you finding that
more advisors are, open tohaving these conversations
beyond the financial piece withtheir clients, or is that
something that they're lookingfor outside expertise to support
them?
Hmm.
Toni Petrillo (11:33):
are financial advisors that are starting to
see the importance and therelevance of incorporating, a
holistic conversation and thatit does entail both the
financial and the lifestyleplan.
they're not ready to do itthemselves.
and I don't blame them havingrun my financial planning team,
I experienced it firsthand asimportant as they understood
what it was.
(11:53):
They weren't ready to or evenequipped to have that
conversation with their clients.
a lot of them.
Really started reaching out HeyToni, what do you do as a
retirement coach and how can wework together?
And it's, I have a call thisafternoon and right after this
with a financial advisor, fromone of the major banks here, and
he wants to know a little bitmore about my business and how I
(12:14):
can help him and how we couldwork together.
I'm working with a lotConnections that I've had, my
previous financial plannerswhere a lot of them are starting
to open up and seeing thebenefits and I've created,
guides and strategies for themas well so that they could
incorporate it within theirpractice without that extra
workload.
So it's basically just givingthem triggers on.
(12:36):
What to look for when you'rehaving the financial planning
conversation so that you couldsee that your client is also
struggling on the non-financialside.
And if you make it easy forthem, give them the triggers
that they need to look for.
Perhaps some conversationstarters so that they could,
understand but not be thesubject matter expert And know
(12:56):
when to say and bring a,retirement coach into the
conversation and say, look, Iwork very closely with so and so
who's a retirement coach, andthey can help you with some of
these questions, and some ofthese issues if you're looking
for help.
Yasmin Nguyen (13:09):
Yeah.
Toni, have you noticed thatthere's, any friction with
regards to adopting, this moreholistic approach and where does
you know some of that friction?
come from,
Toni Petrillo (13:20):
even the ones that do see the value, don't
know if they have the time.
they don't know the, and I'll bequite honest with this, is
what's the, what's in it for me,
Yasmin Nguyen (13:28):
Yeah.
Toni Petrillo (13:29):
They're all financial advisors are all
pretty much, I.
Evaluated on their sales.
I ran that team.
So as much as they understoodand liked the importance of it,
they weren't prepared to reallyincorporate it into their
practice and not understandingthe, what's in it for me?
What are the benefits for myclient, what are the benefits
for my practice?
(13:50):
are the three main pillars thatI.
Focus on when I do talk tofinancial advisors I really make
them understand, in terms ofwhat are the benefits for you
and your practice, So one thingthat they're looking for is
client referrals and how hard isit to get client referrals?
it really does help with.
Clients becoming big ambassadorsof you and your practice.
(14:11):
It helps with client retentionlong term.
It helps with, your assetretention and building trust,
which is the number one and themost important thing in terms of
the client and financialadvisory relationship.
So I really do emphasize thosethree ends.
we go into a little bit moredetail in terms of how they
could incorporate that, but Imake it very easy for them to
spot when a client is strugglingon the non-financial side then
(14:36):
quickly understand what are theconversation starters that you
can to incorporate me into theconversation or a retirement
coach, not just myself, but doyour client a favor.
But those are the aspects that Ifocus on, and those are the,
answer your question as Yasminis the.
the tension I feel is that theydon't know how to incorporate
it.
They don't wanna put in thework, they don't wanna feel like
(14:58):
a one hour conversation is gonnaturn into a two hour
conversation, so make it easyfor them.
Yasmin Nguyen (15:03):
Yep.
Kathleen Mundy (15:06):
Wow.
That is absolutely what we havefound as well.
what you're doing is confirmingto us, we've done so much
research and it's important thatthe clients are benefiting.
The advisors, the money managersare benefiting.
I think it's really important tobe able to tie those two success
stories together.
And what methods have you used,what tools do you use in,
(15:28):
reinforcing this concept toyour, financial planners?
Toni Petrillo (15:33):
so I've built out a few, like I said, a few guides
for them to make it easy.
and the first and foremost, Ihave a very honest conversation
with them just like I did I wastheir boss and they were my
financial planners.
And I said, how can I make iteasy for you or.
What is it that's stopping youfrom having this conversation?
And a lot of times we get rightto the heart of what the problem
(15:54):
is.
I'm not ready to have a two hourconversation on the
non-financial side.
I'm not equipped to have thatconversation.
I'm not even interested inhaving that conversation.
So we really pinpoint what someof the obstacles are.
then I've just created, based ontheir feedback, and I've done a
lot of focus groups and justmeetings, lunch and learns with.
(16:15):
My financial planners and otheradvisors and really to uncover a
lot of these little, Questionsand concerns that they have.
And then I built guides and justconversation starters.
what is the importance offinancial retirement, lifestyle
planning, what is it?
I really, I give them all theseguides and conversation starters
(16:36):
and, email templates so that ifthey did have to email a client
to do a follow up, just make itvery easy for them, very turnkey
equip them with just that kindof conversation.
Toni, you're really making animpact in the industry and
especially the type of, approachthat you're doing to simplify
this so that it makes it easierfor, those out on the front
(16:59):
lines to be able to at least,have that conversation and then
get them the support Through youor others that may be able to
dive deeper.
when you're working with a newclient, what are some of the
things that you've, discoveredis the first starting point to
be able to have a deeperexploration with them?
(17:19):
they need to have an openmindset.
And there's three things that Ifocus on in my coaching and that
is, mindset is important.
So you have to have thatopenness and, be curious.
'cause there are a lot ofopportunities and possibilities
out there, and flexibility.
you really wanna be flexible andopen to change, because you
could explore all theopportunities out there and if
(17:41):
you're not open to change, thenyou won't have a successful
retirement.
so those are the three that Ireally work on and I focus, I
start coaching sessions with.
Kathleen Mundy (17:52):
Because of that, I wonder if you can share a
story with us that you found oneof your clients had a major
breakthrough using yourtechniques.
Toni Petrillo (18:00):
one of my initial clients he's a retired lawyer
quite excited about hisretirement and, had all these
grand plans of very big, avidgolfer and was gonna hit all the
golf courses, everywhere andjust, have fun and enjoy the
freedom.
And, he quickly realized that,once he left his career as a
(18:20):
lawyer, that he really was alittle bit lost Without his
title, he wasn't sure.
He had worked so many years andhis identity was so intertwined
with his career that as much ashe had passions and After a few
months of playing golf, herealized that it wasn't enough
for him and he didn't understandwhy that was.
(18:41):
The big concern is, I have allthis freedom.
I have enough funding to enjoymy retirement, but I'm not happy
and I don't feel fulfilled.
So we quickly went into a fewexercises that I like to use.
for anybody post-career.
And, and one of them is, who amI beyond my work activity?
And that really helps youunderstand your core values,
(19:02):
your passions.
And we, when we did thatexercise, we realized that he
really likes to coach and towork with young professionals,
from a mentoring capacity.
So we explored that opportunityand, Shortly after he ended up
stepping into that role as oneof the mentors for young
professionals in the, some ofthe law firms that he used to,
(19:25):
that he knew.
and that's what he is doingtoday, is just mentoring young
professionals on all the ins andouts.
and he's absolutely happy.
And such gratitude that we wereable to get there together.
Kathleen Mundy (19:37):
that truly is, an example of success for sure.
Toni Petrillo (19:40):
was,
Kathleen Mundy (19:41):
Thank you for sharing that.
Yasmin Nguyen (19:43):
Yeah.
Toni, what's been mostfulfilling for you to be able to
support and guide people throughthis journey?
Toni Petrillo (19:51):
For me, it's really raising the awareness
and, knowing that there areresources.
and this is where we started atthe beginning is when I did
retire, I was struggling with myown identity and even though I
had a plan of more or less whatI wanted to do in retirement.
I could imagine with how peoplestruggle without a plan and just
(20:13):
go into retirement saying, oh, Ihave all this freedom.
I don't need to plan.
I think my biggest, I.
Where I get the most joy isknowing that there are resources
that we're building, and notjust myself, I work very closely
with other retirement coaches aswell.
with one of my colleagueretirement coaches, Jennifer, we
wrote a, retirement workbookthat we built these exercises
(20:35):
together.
and this is out there for them,so whether they want our
coaching services, if they feelthat whatever.
they're at in terms ofretirement planning.
if they wanna do it themselvesand try to see if they could
plan for it, then our book isavailable or other books are
available.
I'm just happy that we aretogether raising an awareness
(20:57):
for.
Anybody that is in retirementand not feeling happy, feeling
alone, feeling disconnected, andto be honest with you, a lot of
them are very ashamed to put upor embarrassed to put up their
hand and say, I'm not happy inretirement, that I'm not sure
why, for fear that people willjudge them.
So knowing that we've createdresources and my practice is
(21:20):
there to help them, I feel verygrateful for that.
Yasmin Nguyen (21:23):
Wow, that's really powerful.
Thank.
Thank you, Toni.
Hey, when we talk about allthese different non-financial
challenges and transitions thatpeople might face as a financial
planner, how do you connect thedots between those?
experiences that people may begoing through with the
implication of it financially.
as those things come up, likehow do you connect the dots
(21:46):
between, the financial planningpiece with the non-financial
life pieces that's going on inpeople's lives?
Toni Petrillo (21:53):
so this is something that I used to coach
my financial planners all thetime when I was reviewing their
plans, right?
I would ask them, okay, sohere's your financial plan.
You've created a good map interms of how much they're going
to need, annually and live on,and how long the money will
last.
And then I said, tell me alittle bit more about the
client.
What are their dreams inretirement?
What do they wanna do?
(22:13):
how do they wanna spend theirtime?
and.
They could tell me a little bitabout the client, but not a lot.
They know all the financials.
They know exactly what theirrisk profile is and what kind of
investments they like, and wehave to, that's our due
diligence.
We have to get that.
But I said just tell me a littlebit more about the client and
talk to me about them.
And I wait.
And I, the pause is quite longbecause they don't have a lot to
(22:37):
say.
So I said, we need to dig alittle bit deeper.
And at the end of the day, theway I connect the dots, Yasmin,
is I tell them, how can youactually build a financial plan
for a client if you don't knowwhat their lifestyle how can you
plan for that if you don't knowthat's what they wanna do?
So that's how I connect thedots.
I.
Kathleen Mundy (22:54):
So it's always about a complete understanding.
and a deep one at that andtrying to source out that
information without seeming to,be judgmental or to invade a
little bit of their privacy.
so I think that's a fine linewhen you're an advisor and
you're dealing with, quitefrankly, the unknown for them as
(23:14):
well, because it's a path thatthey, from what you've under
just explained, they don'tunderstand how to navigate that
path.
Toni Petrillo (23:22):
Exactly.
and at the end of the day, it'swhat we've been saying.
Retirement planning today reallyhas two parts to the equation.
There's the financial plan andthe lifestyle plan, and it's,
you need to prepare for both,and that's what I tell everyone
right now going forward.
That's what we need tointegrate.
And I challenge that head onwith anybody who I'm speaking to
and is, we have to have thosetwo parts.
Yasmin Nguyen (23:43):
And I imagine along with that, Toni is that
when someone really feels seenand heard and understood, it
deepens that level of trust aswell.
I.
Toni Petrillo (23:54):
and that's my hook with the financial
advisors.
Is I tell them, We're in thebusiness of building trust with
our clients.
It's not just about theinvestments and before they hand
over their portfolio to you.
They have to know that they cantrust you.
And we're in the business ofbuilding trust, and if you only
talk about money, it will solvemoney problems.
It won't solve the emotional andpsychological concerns that they
(24:17):
may have.
So you need to dig deeper alittle bit.
Yasmin Nguyen (24:20):
Wow.
or, Toni, I'm curious what, ifyou could just give one piece of
advice for someone who ispreparing for retirement, what
would that be?
I.
Toni Petrillo (24:30):
So if I've learned anything in terms of
even my own experience is, um.
you need to have an openmindset, and you have to look at
what's ahead of you and not whatyou're leaving behind.
And, always stay curious andknow what's out there for you.
Be flexible and give yourselfsome time to adjust and,
(24:51):
surround yourself with veryinspiring people.
And, that will be a good guidefor you to get started.
for what I feel are the bestchapters in your life.
Kathleen Mundy (25:01):
Toni, you've given us so many lessons to take
from this interview.
I'm wondering, what lesson haveyou learned from your clients?
Toni Petrillo (25:10):
I think the biggest lesson for me, Kathleen,
is that there's really no rightway to retire.
really is individual.
it's a, an individual journeyand it's a very personal journey
for everyone.
If I got anything from mycoaching career in, in, in
coaching in my career is thateverybody is unique and their
retirement journey is going tobe unique as well.
(25:32):
like I said, the key is juststay flexible.
Remember to embrace change andbe open to it.
And because at the end of theday, and just embrace what truly
brings you joy and fulfillment.
Yasmin Nguyen (25:46):
Wow.
this conversation has definitelybrought us joy and fulfillment
as well.
And Toni, we're so grateful thatwe get a chance to spend time
together and just the wisdom andinsights that you've been able
to share with us.
Where can our listeners find outmore and learn more about your
work?
Toni Petrillo (26:02):
sure.
So you can, find me on LinkedIn,Petrillo Antoinette Petrillo,
it's my full name.
You, I also contribute, on aregular basis to a, magazine
called Booming Encore.
I.
good friend of mine, SusanWilliams, found that and is
running it.
And, we run a, segment calledAsk a Retirement Coach.
So I often have, contribute tothat segment as well.
(26:24):
And obviously, there's mywebsite, there's a lot of
resources there, free guides.
Called, Retire With Intention.
So I invite you to take a lookaround, take a look at that, and
it's really bent to help peopledesign a, a, a happy and
fulfilling retirement.
Yasmin Nguyen (26:42):
Wonderful.
we'll make sure to include allof those resources in our show
notes so we can access directly.
Kathleen, any final thoughtsbefore we wrap up?
Kathleen Mundy (26:51):
every time we have a conversation, I learn
things and, I, I have learned somuch and it was attitudinal as
much as a hard, fast.
conversation.
I think the one thing that Ilearned is to have an open mind
and be flexible and areinforcement that everyone's
journey is different, and itsounds to me as though you're on
(27:12):
top of those, multitude ofchanges and opportunities for
people.
So I wanna thank you so much forbringing those to us today, and
we look forward to hearing moreabout what your journey is like.
Toni Petrillo (27:23):
Absolutely.
It's been a pleasure.
Thank you so much for havingthis conversation.
I enjoyed it thoroughly,
Yasmin Nguyen (27:29):
Thank you for taking the time to join us
today.
If you enjoyed this episode orfound it valuable, please
subscribe, follow, and leave acomment or review on your
favorite platform.
If you have friends, clients, orloved ones who are retired or
thinking about retirement, weinvite you to share this show
with them.
Check out the show notes withlinks to resources mentioned in
(27:49):
this episode atRealRetirementShow.
com.
Remember, retirement is a joyfuljourney we get to experience
together.
Join us next week for anotherReal Retirement Conversation.
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