Lifestyle and Retirement Planning speaker Barry LaValley is a 40-something aging baby boomer caught in the struggle between remembering the Beatles and wondering about retirement. "I feel like a young man trapped in a middle-aged life. Where did the time go?" he asks. "Don't get me wrong, I like being the age that I am. I'm just not ready to be my parents yet."

Like many of his generation, LaValley is looking at the next stage of his life and has decided to make a plan. Not a retirement plan, but a lifestyle plan.

"People today are much more active than 25 years ago. They are taking a completely different view on life and retirement than their parents. Not only are we much more active in our daily lives, but technology has radically changed our relationship to the workplace."

That means that the traditional view on retirement and its association with "old age" is no longer valid. Retirement today has been redefined to mean "the next stage of your life."

LaValley's retirement plan has changed to planning for the next stage of his life. That next stage may include a second career or an at-home business. In his case, it does not mean trying to figure out how to never work again.

"The whole relationship between my financial plan and my retirement plan has changed for me," he says. "I am now looking at how I can best use the money that I have set aside for the future to really enjoy the life that I want and to do what I want."

1. Time Management, or how to keep structure in your life if and when you leave the traditional workplace. "One of the big stresses that affect people when they leave the traditional workplace is the lack of structure that suddenly appears. We've always had to be someplace and be on a schedule. All of a sudden, we don't particularly have to be anywhere. Therefore, we have to develop an internal mechanism to create the structure that we all need to run our lives."