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Increasing longevity can be, and often is, a blessing. It offers extra time for retirees to enjoy the fruits of their labors. Travel and hobbies can be explored after the kids have all flown the coop and early retirement is opted for. Many individuals are in much better shape physically as they enter the "Senior" category--due to better health practices and fitness programs.

The early years of such a life style are often uncomplicated and full of adventure for those interested in creating it. The specter of the years ahead producing a "winding-down" effect may drop by fleetingly and haunt the twilight hours, but most of the time it is set aside, to be dealt with "when the time comes."

Something that is not often noted is that when that time arrives others may have to do the deciding. More often than not, it just isn't easy to face the need to down-size living quarters, seek help with the house and yard or face the fact that other arrangements need to be taken into consideration. The optimal time comes...and goes. Why would someone who is well and active want to think about such things? Who wants to look down the off-putting road that is the beginning of the end?

Practical people! People who want to be in charge of their lives for as long as possible and want to continue to make their own choices and decisions about their future. People who are fine-tuned to their adult children's full schedules and limited free time and want to alleviate pressure. People who respect their kid's opinions but who also want to create and preserve a mutual, reciprocal plan for problem solving.