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Are We Ready for the Baby Boom Retirement?

Fifteen years ago, a Health Services Research report described the challenges ahead for the United States as the Baby Boom generation aged into retirement. Four issues were paramount: 1) improving payment and insurance systems for long-term care, 2) ensuring people remain healthy and active as they age, 3) organizing community services so care is readily available, and 4) changing cultural perceptions of aging so everyone remains “integrated into the fabric of community life.”1


Have these challenges been met? Let’s take a look at each issue:


Long-term Care Needs

Here’s the bad news: Government estimates suggest 62 percent of older Americans will need long-term care (LTC) during their lifetimes, yet just 7 percent of Americans age 50 or older have stand-alone LTC policies. In fact, sales of these policies have fallen by 60 percent, according to LIMRA.2


Here’s the good news: Sales of combination products, such as life insurance policies or annuities that also have long-term care provisions, have increased.2


Health and Wellness

Here’s the bad news: Older Americans have many more physically unhealthy days than younger Americans do, according to the Centers for Disease Control.3


Here’s the good news: Boomers are more focused on health and wellness than prior generations. In a Forbes article, the authors of Health + Wellness 2017 wrote, “There has been, perhaps, no more pervasive lifestyle shift in the American contemporary scene than the desire among Baby Boomers to lead active, healthy lives…it is the initiative taken by aging Boomers to create a new way of living based on the pursuit of not just wellbeing but being well that has driven permanent changes in America food culture and healthy living.”4



Here’s the bad news: The need for caregiving is expected to increase rapidly during the next few decades.5


Here’s the good news: The resources available through private and public organizations “can help solve long-term care issues and ease the strain on the caregiver,” according to AARP. Home and community-based services often include companionship, transportation, housekeeping, and meal programs.5


Perceptions of Aging

Here’s the bad news: Cultural views of aging are slow to change.6


Here’s the good news: We continue to evolve as we age, and our lives often become more fulfilling, according to the longest longitudinal study of human development in history. “Surrounding oneself with positive people is boomers’ best strategy to be joyful in their third act, with love and support from others a far more effective anti-aging technique than any pill or treatment,” reports Psychology Today.7


While some issues related to the health and wellbeing of the Baby Boom generation have yet to be resolved, many boomers will probably enjoy rich and satisfying lives for years to come.


Breakfast: The Most Important Meal of the Day

A healthy breakfast can kick start your metabolism and give you the energy to get through a long day. On most days, it’s a good idea to start with something tasty and nutritious, like granola with fruit or a smoothie. On the days you decide to indulge, this recipe will thrill your taste buds!


White Gull Inn's Cherry and Cream Cheese Stuffed French Toast8

1 loaf egg bread, unsliced

1 8-ounce package cheese cream, room temperature

1/4 cup whipping cream

1-1/4 cups tart Montmorency cherries, drained, divided in half

7 eggs

Cinnamon, for garnish

Powdered sugar, for garnish


Trim ends from loaf and cut bread into six slices (approximately 1½ to 2 inches thick). Make a cut three-quarters down the middle of each slice (to form a pocket) being careful not to cut all the way through (each slice will become two slices but will be joined together at the bottom). Set aside.


In a small bowl, mix together cream cheese, whipping cream, and 3/4 cup cherries. Spread approximately 1/6 cup of the mixture into the pocket of each slice of bread. Gently press slices together, evenly distributing filling.


In a separate bowl, beat eggs and milk together. Dip stuffed slices into egg mixture and coat all sides. Place immediately on a lightly-oiled, heated griddle and sprinkle with cinnamon. Cook over medium heat until golden brown, turning to cook second side.


Remove cooked slices from griddle and place on a cutting board. Gently make a diagonal cut through each slice, forming two triangles. Arrange two triangles on six individual plates. Sprinkle with powdered sugar and remaining cherries. Serve with maple syrup.


What Do You Know About Women?

During Women’s History Month (March), the World Economic Forum celebrates the achievements of trailblazing women who may not be remembered in our history books. See what you know about some of these amazing women.


  1. Who was the first African-American woman elected to the United States Congress? (Hint: She was also the first woman to run for the Democratic Party’s presidential nomination.)9
  2. Barbara Jordan
  3. Yvonne Burke
  4. Shirley Chisholm
  5. Cardiss Collins


  1. What didn’t Huda Shaarawi do in her lifetime?9
  2. Live in a harem
  3. Fight British colonialism
  4. Establish the Egypt Feminist Union
  5. Send a text message


  1. Anglo-Irish sports photographer and journalist Lilian Bland was the first woman in the world to design, build, and fly an aircraft. What did her father offer to buy her if she would stop flying?9, 10
  2. An automobile
  3. A race horse
  4. A husband
  5. A camera


  1. Hedy Lamarr wasn’t just a pretty face. She patented an invention that has been employed in wireless technologies like cell phones. What was it called?9
  2. Electrodynamic induction
  3. Frequency-hopping spread-spectrum
  4. Electronic numerical integrator and computer
  5. None of the above


What Would You Say?

Imagine one of these scenarios: You’ve just finished a grueling seven minutes of wrestling, your team eked out a win in a close football match, or you’ve completed a run or swim with a personal record. Next thing you know, a reporter thrusts a microphone in your face and expects you to say something. What would you say? Here are a few memorable quotes from some great athletes:


“Nobody beats Vitas Gerulaitis 17 times in a row.”

--Vitas Gerulaitis, Professional tennis player (after winning his 17th match against Jimmy Connors)11


“Just take the ball and throw it where you want to. Throw strikes. Home plate don’t move.”

--Satchel Paige, Professional baseball player11


“Victory is fleeting. Losing is forever.”

--Billy Jean King, Professional tennis player11


“Age is no barrier. It's a limitation you put on your mind.”

--Jackie Joyner-Kersee, Olympic heptathlon and long jump champion12


“You can't win them all but you can try.”

--Babe Didrikson Zaharias, American gold medalist and LPGA player12


“If everything seems under control, you're just not going fast enough.”

--Mario Andretti, Professional racecar driver13


“I never said most of the things I said.”

--Yogi Berra, Professional baseball player13




5133 S. Lake Drive

Cudahy, WI 53110

Cafe: (414) 747-9800 Hotel: (414) 747-9810

The cafe is open daily from 7 am - 2 pm, serving breakfast and lunch. See what's new on the menu at Sheridan's! The menus and cocktails change with the seasons!  Dine fireside or relax with a latte at our espresso and cocktail bar.  Take a stroll along the lakefront Oak Leaf trail, just steps away!

View menus online and if you're not already on our mailing list, sign up to receive weekly emails with info about special offers, holiday events, and more! Make your reservations online anytime or call 414.747.9800.

Sheridan House...Coming to Milwaukee? Stay with us! Be sure to check out our Hotel Packages, you can conveniently book your stay online. Enjoy the beautiful lakefront scenery and we're just minutes from downtown and the airport – Sheridan House in Cudahy is so comfortable and so close to it all!


2473 S. Kinnickinnic Avenue

Milwaukee, WI 53207


Mistral is open daily from 5 pm - 10 pm.  Offering upscale Meditteranean inspired cuisine and is located inside the Avalon Theater building. The menu is simple yet adventurous in flavor and presentation ~ the wine list is exceptional. Visit us online where you can browse photos, make reservations, view the menu and wine list. We look forward to serving you and hope you enjoy the new best place to dine in historical Bay View! Take advantage of Buy 3 Get 1 Free movie ticket! Dine and enjoy three menu items at Mistral PLUS a movie at the Avalon Theater! Monday through Wednesday only. Visit us online to make reservations or call 414.539-6469.




Visit The Times CinemaThe Rosebud Cinema and The Avalon Atmospheric Theater and Lounge for movies, events and so much more!  The Avalon features luxury seating and in-theater food and beverage service! Enjoy special movie events like Shocktoberfest, Film Festivals and Second Saturday Classics complete with Brunch!  Showing first run films, cult classics and special features all in high definition and HFR Digital 3D! 
The Avalon's theater menu is new and improved! Tweaked to mirror the Mededterranean inspiration of Mistral, Chef Joe has raised the bar on theater fare. Of course, we still offer the old favorites as well including our signature popcorn, snacks and candy.  View the menu online at
All serve local brews, wine and signature cocktails along with the classic movie theater fare including all the popcorn you could eat, but not typical popcorn, the “Lobster of Popcorn!”  Made with premium white kernels and white coconut oil, perfectly popped and topped with REAL butter. So kick back on and enjoy the show! Visit us online at for movies and show times.

See you at the movies!



Lee Barczak



Quiz Answers:

  1. C – Shirley Chisholm
  2. D – Send a text message
  3. A – An automobile
  4. B – Frequency-hopping spread-spectrum



















Securities offered through Morgan Kenwood Advisors, LLC, Member FINRA/SIPC.

Some of this material was prepared by Carson Group Coaching. Carson Group Coaching is not affiliated with the named broker/dealer.

Contact Details

Morgan Kenwood Advisors, LLC
5130 West Loomis Road
Greendale, WI 53129-1424
Phone: (414) 423-4020
Fax: (414) 423-4023
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