Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64A NEW KIND OF RETIREMENT When financial planning expert Melissa Phipps decided to quit her 9-to-5 job and start her own business, it was the first step toward retirement. Soon she found her- self in the middle of an unanticipated financial dilemma. In order to survive it, she had to make some major changes that ultimately came down to one thing: redefining retirement. Her book The Retirement Rescue Plan: Retirement Planning Solu- tions for the Millions of Americans Who Haven’t Saved “Enough” (Sonoma Press) will prepare you for retirement in a way that takes you into account—allowing you to define “retirement” in a new, realistic, and exciting way. The goals are simple: work less, earn enough, and be happier than ever. WWW.AGRM.ORG JULY/AUGUST 2016 57 TRUST ME The three most important actions that both leaders and employees agree will build trust, according to forum.com: 1. Listening to employees and under- standing their concerns. 2. Walking the talk—following through on commitments. 3. Encouraging employees to offer ideas and suggestions.