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January 2026
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A New Year’s Reality Check The 40 Percent Retirement Risk No One Talks About
The start of a new year is usually filled with optimism, fresh goals, and big plans for the future. However, a less comfortable reality deserves attention. Recent research uncovered a striking statistic: People face roughly a 40 percent chance of one or more major life events occurring right before or shortly after retirement, becoming seriously ill, developing dementia, or even passing away. It is an unsettling statistic, especially as we look ahead to a new year. The research revealed just how common these outcomes can be. While this is not an uplifting fact to start the year with, it is important to take the discussion a step further. There are actions individuals can take to reduce the likelihood of these events and increase their chances of maintaining health and longevity during retirement. The first and most foundational factors are diet and exercise. These are concepts people hear about repeatedly, yet few truly take them to heart. An article by Dr. Andrew Huberman, a neuroscientist and professor at Stanford University, emphasizes a simple framework for healthy eating ("Diet & Nutrition," Huberman Lab, 2025 ). He suggests focusing on consuming meat, fish, eggs, fruits, and vegetables. Notably, none of these foods are man-made or come from a can or a box. This approach is not presented as a miracle diet, but rather as a framework for eating clean, whole foods while avoiding processed foods. Exercise is equally important, though often more difficult to maintain. Weather conditions, fatigue, and soreness can all make regular exercise challenging. One effective way to build consistency is by exercising with a partner. Having someone else involved
creates accountability and helps ensure individuals not only show up but also engage in meaningful workouts.
Further research also shows that having a sense of purpose plays a critical role in longevity. [1] Purpose can come from goals, hobbies, and activities that provide structure and meaning. Having something to work toward gives people something to look forward to, which can positively impact both mental and physical health. As Elsa Bonstein often says, without a dream, a dream can never come true. The final key element is having confidence in the future. A written financial plan is essential in creating that confidence. For clients of CAPTRUST Alexandria, this plan is already in place. The reassurance that comes from knowing they have a clear financial road map can significantly reduce stress. Lower stress levels are closely linked to better overall health and well-being. As we move into 2026, it is worth reflecting on what steps will be taken to ensure a long, healthy life, one that allows for the enjoyment of family, children, and grandchildren. Eating well, exercising with a friend, building and regularly reviewing goals or a bucket list, and integrating these habits into a comprehensive financial, retirement, and life plan can make a meaningful difference.
Good luck in 2026!
Kelly Campbell
1. Ali Mostashari, "The Hidden Power of Purpose for Longevity: Purpose is a key to enhanced lifespan and healthspan," Psychology Today (March 18, 2025).
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Staying Engaged After Retirement
OVER THE HILL AND LOVING IT HOBBIES THAT HELP YOU PAUSE WITH PURPOSE Life is a marathon. For the first few decades of our lives, everything is go-go-go. We constantly look ahead to the next stage of life and wonder what we need to do to reach it, whether it’s finishing high school, earning a college degree, or moving up in our industry. As we settle down and start families, things slow down slightly, but life remains chaotic. Many tire of the hustle culture as they approach that over the hill age. They’ll start looking for a quieter lifestyle, ideally as part of their retirement. This way of life calls on us to slow down and shift our habits to align with what matters most. One of the best moves we can make to incorporate this idea of slower living fully is participating in hobbies that allow us time for introspection and reflection.
The Case for Part-Time Work For many people, retirement once meant a clean break from work. One day, you were busy with meetings and deadlines, and the next, you were officially done. Today, retirement looks very different. More and more retirees are choosing to work part time, not because they have to, but because they want to. Like most retirement decisions, this choice comes with both advantages and trade-offs worth considering. Financial Perks One of the most obvious benefits of working part time in retirement is the additional income. Even a modest paycheck can reduce the strain on retirement savings and help extend how long those funds last. This extra income may support everyday expenses, cover travel costs, or provide peace of mind. In some cases, it can also allow retirees more flexibility in deciding when to claim Social Security or how much to withdraw from investment accounts. Purpose, Routine, and Mental Engagement Beyond the financial benefits, part-time work can add structure and meaning to retirement life. After decades of having a set routine, unlimited free time can feel overwhelming. A part-time role creates consistency, keeps the mind active, and allows retirees to continue using their skills. Whether through consulting, mentoring, or trying something entirely new, many find continued work to be fulfilling. Social Connections Leaving the workforce often means losing regular social interaction. Part-time work can help replace that connection by providing opportunities to engage with coworkers, clients, or customers. These interactions can reduce feelings of isolation and contribute to overall emotional well-being, especially for those adjusting to a quieter pace of life. Time and Flexibility Despite the benefits, part-time work does come with compromises. One of retirement’s greatest rewards is freedom, and even a flexible job requires some sacrifice of that time. Travel plans may need to be scheduled carefully, and spontaneous days with family or friends can be harder to manage. Potential Financial Considerations Additional income can also affect taxes, Medicare premiums, or Social Security benefits, depending on individual circumstances. Without proper planning, the financial advantages of working part time may be smaller than expected, which is why it’s important to review how added income fits into a broader financial strategy.
Here are three accessible and simple hobbies that allow us to focus on what matters most.
Walking There’s something magical about being outside in nature. Walking is a great way to add extra movement to your day, connect with nature, and refocus your thoughts. While you can walk anywhere, it’s best to get out in the wilderness, where distractions are in short supply. Arts & Crafts If you can find an activity that speaks to your artistic side, you’ll gain a new way to express yourself and center your thoughts. The best part of arts and crafts is that there are activities for everyone. You can journal, write short stories, paint awe-inspiring landscapes, knit beautiful pieces of clothing, sculpt something from clay, make soap, or even work on your calligraphy. Baking Those who want to lose themselves in thought while creating something delicious should head to the kitchen. Baking is a great way to create something from nothing while relieving stress, developing patience, and expressing yourself creatively. All you need to get started are a few ingredients, a recipe, and the willingness to bake!
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THE EXPENSIVE SIDE OF ‘YES’ FOMO FUELS OVERSPENDING
We all know the feeling: A friend posts that dreamy beach photo, someone’s heading to a music festival, or you see the perfect brunch video pop up on your feed, and suddenly there’s this itch, “What did I miss out on?” That whisper has a name: FOMO, or the fear of missing out, and when it nudges you to open your wallet, it becomes FOMO spending. FOMO spending is when the urge to partake in experiences like concerts, travel, and social getaways overrides your financial boundaries. It’s not just about wanting “stuff”; it’s about wanting in. The problem is that those desires often come with a huge price tag. Studies suggest this isn’t just anecdotal. Empower’s research found that 51 percent of Americans admit they’ve made purchases or investments sparked by
FOMO, with many pointing to experiences like dining out and traveling. When social media becomes a nonstop highlight reel, we compare ourselves and our bank accounts to a filtered ideal. The stakes are real. The 2019 Modern Wealth Survey sponsored by Charles Schwab revealed that more than a third of Americans admit their spending is influenced by what friends are doing, often leading them to exceed their means. In an experimental study, researchers found that FOMO significantly increased the likelihood of impulse purchases even with budget constraints in place. That tells us FOMO isn't just temptation; it’s a powerful nudge against rational behavior. Experiences are powerful. They build memories, foster connections, and bring joy. But when every experience becomes
“must-do,” the balance breaks. You end up chasing the next event, trip, or spending spree, and your long-term goals take a back seat. You might skip saving, rack up credit card debt, or delay retirement goals all in pursuit of that next “memorable” moment. Here’s the catch: Living for the moment is fine until that moment’s price tag pushes your future out of reach. The challenge is to be intentional. Deciding where you should spend your energy (and money) gives you permission to skip the rest. The thrill of one impulsive decision fades fast; the peace of financial security lasts. If FOMO is the voice telling you to just go for it, try asking yourself: Will I thank myself in five years for this? Strike a balance between living fully today and protecting tomorrow. That’s how you stop FOMO from bankrupting your joy.
Ooh La La Luxe Lifestyle TREAT YOURSELF LIKE A PARISIAN EVERY DAY
Savor life’s little luxuries. In Paris, the pace moves fast, but the people live in the present, slowing down to enjoy the simple pleasures of life, such as people- watching at a café, taking a break to read, or simply enjoying a light breeze. Savor the little things and give yourself technology breaks to enjoy the moment you are in. Luxury is synonymous with Paris, but you don’t need a huge budget to treat yourself. Instead of buying a designer handbag or Chanel suit, splurge on nicer sheets or a tasty pastry. Learn, explore, repeat often. Parisians appreciate imperfections and lead authentic lives, prioritizing joy over self-criticism. Acculturate yourself by visiting museums, enjoying art often, and staying up to date on current affairs. You want to ensure you always have something interesting to discuss at a party or gathering. In conversation, develop your own witty style, expressing your opinions clearly and inviting others to join in. You can never have too many books on the shelf because they will grow your knowledge base and are excellent conversation starters. Don your best beret, pour yourself a café au lait, and get ready to add a little Parisian elegance to your routines.
Ooh la la! While we can’t all wake up to the twinkle of the Eiffel Tower or stroll past a boulangerie on the way to work, we can bring a little touch of Parisian flair to our everyday lives. From savoring the simple things (like delicious croissants) to adding some je ne sais quoi to your home, you can bring the best of French lifestyle trends into your world, no matter how many miles are
between you and the City of Lights.
Cherish your cozy chez-soi. Most Parisian apartments are small but feel like elegant chateaus. Embrace the maximalist style and add your own unique touches to your space. Parisian home design is about developing something uniquely you and filling your space with your favorite things and comforts. Pops of color and pleasant fragrances are French staples, so add fresh flowers to your table or find candles with delightful aromas. Bonus points if the candle is a French classic like the popular Diptyque brand.
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captrust.com | 703.535.5300 330 John Carlyle St., Suite 400 Alexandria, Virginia 22314
INSIDE
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Planning for Retirement Means Planning for Health, Purpose, and Longevity
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Rediscover Yourself With Hobbies That Heal, Create, and Inspire
Is Part-Time Work the Missing Piece in Your Retirement Plan?
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FOMO Spending Is Breaking the Bank
Elevate Your Routine With a Touch of Paris
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Your Guide to the Great Barrier Reef’s Most Epic Experiences
Investment advisory services offered by CapFinancial Partners, LLC (“CAPTRUST” or “CAPTRUST Financial Advisors”), an investment advisor registered under The Investment Advisors Act of 1940. @2026 - CAPTRUST | All Rights Reserved. CAPTRUST does not endorse, nor is it affiliated with any third-party entity mentioned in this newsletter. The information published herein is provided for informational purposes only, and does not constitute an offer, solicitation, or recommendation to sell or an offer to buy securities, investment products, or investment advisory services. Data contained herein from third-party providers is obtained from what are considered reliable sources. However, its accuracy, completeness, or reliability cannot be guaranteed. Nothing contained herein constitutes financial, legal, tax, or other advice. Consult your tax and legal professional for details on your situation.
Uncover the Magic of Australia’s Living Wonder Swim With Turtles, Whales, and Wonder at the Great Barrier Reef
Cod Hole for an up-close look at the Reef’s most famous marine residents, while those craving a more remote experience can hop aboard a dive ship to explore untouched corners teeming with biodiversity. Prefer to keep your head dry? The 74 tropical Whitsunday Islands are perfect for cruising, whether on a bareboat charter or a luxury superyacht. For a show-stopping perspective, consider a scenic helicopter transfer to the Outer Reef. From the air, the patterns of coral, tiny secluded islands, and endless shades of blue make it clear just how massive this natural wonder truly is. For a once-in-a-lifetime adventure, the Reefsleep Experience takes you to
Hardy Reef after day-trippers have left. Snorkel, dive, or relax on the Reefworld platform, then enjoy a barbecue as the sun sets. When night falls, snuggle into your floating tent under the stars or take a night dive to see the reef glow in a completely different light. Thrill-seekers, take note: Mission Beach offers a jaw-dropping skydiving experience over the reef and surrounding rainforest, plunging from 15,000 feet with expert guides to ensure an unforgettable ride. No matter how you experience it (by snorkel, yacht, helicopter, or parachute), the Great Barrier Reef is an adventure that promises awe, excitement, and memories you’ll treasure forever.
If you’ve ever dreamed of exploring a place so vast it dwarfs entire countries, Australia’s Great Barrier Reef should be at the top of your bucket list. Stretching over 1,400 miles along the eastern coastline, this paradise is larger than the United Kingdom, Switzerland, Belgium, and the Netherlands combined! The Great Barrier Reef is home to dazzling coral gardens, colorful fish, giant clams, and six of the seven known marine turtle species. From snorkelers to skydivers, the Reef offers something unforgettable for every kind of adventurer. Underwater, the options are endless. Lizard Island is a snorkeler’s paradise where you can float above giant clam beds and glide alongside green turtles. Divers flock to
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