About the Author

Dave Bernard is a California born and raised author and blogger with an extensive 30 year career in Silicon Valley. He has written more than 300 blogs for US News & World On Retirement and his personal blog Retirement – Only the Beginning.

Some years ago Dave began what would prove to be an on-going search to find and create a meaningful fun retirement. While he discovered plenty of information on the financial side of retirement planning, what was sorely missing was useful hands-on guidance to prepare for the non-financial aspect. What can you personally do to make the most of your retired days? Believing preparing for how to live retirement is just as important as having enough money he focuses his blogging on retirement planning from a non-financial perspective.

Candid feedback from thousands of reader has given him a unique glimpse into the realities and challenges that all retirees will ultimately face, inspiring his book I Want To Retire! – Essential Considerations for the Retiree to Be.

His other books include Are you Just Existing and Calling it a Life? and Navigating the Retirement Jungle.

Dave was a contributing writer for the books 65 Things to do when you Retire (“Positive Aging – Old is the New Young”) as well as 65 Things to do when you Retire – TRAVEL (“Travel to Discover your Family Heritage”).

He has been quoted in various articles and magazines including The Wall Street Journal and The Times of India..

Dave lives in sunny California with his wife where they share their passion for hiking, sunsets, good wine and the San Jose Sharks hockey team.

He can be reached by email at lovebeingretired@hotmail.com

48 thoughts on “About the Author

  1. Dave, I found your site on Bill Birnbaum’s Adventure Retirement blog. Great site you have hear. People get an earful of financial planning for retirement and almost no lifestyle advice. Glad to see some people are trying to fill that niche.

    I added you site to my blog roll on Being Retired. I’m just beginning the site. It’s only about six months old. I’m only a month into my retirement, but I want to not only document my journey and experience, but offer a little advice. I would humbled if you would add my link to you roll.

    By the way, I am also a Sharks fan. Looking forward to hoisting the cup in 2011!

    • Dan – an excellent choice for a retirement “career”. I have fished the Eastern Sierra with my dad many times from a tube and if there is a more beautiful place to chase the elusive native trout, I have not found it. Enjoy your retirement and I may reach out to you should I need direction on a little trout fix in the future.

  2. Hi Dave,

    So great to have found your blog via our connection on Twitter. I have been retired for a year now after a 32 year career as a firefighter. So nice to be in control of time now! One thing I have learned is that I seem to either have money, or time, but never both. With my oldest daughter getting married in August, a son in college, and my youngest in high school, there are certainly more expenses on the horizon.
    So many people are not where they want to be financially, even those who invested for many years.
    It’s sad really…but there are options.
    I’m looking forward to visiting your blog often and may I say it is great to meet you.
    Best regards,

    • Good to meet you Bill. My son just graduated in June and my daughter a year prior so woo hoo! Now I realize that I need to start putting aside $$ for the eventual wedding which is hopefully a ways down the road! It never ends but I feel that as long as we are helping to build sane, productive future generations we are investing well. Enjoy the blog and good luck! – Dave

  3. Hi Dave,
    Like your new site. I’m already there and I’m enjoying it. Do some volunteer work and love being at the beach every day now. Stay in touch and if you get over to the beach, let’s have lunch.

  4. I am adding this to my links of my favorites. My readers often leave through the links and I think you are on the right track. Just remember, retirement is not a destination…it is just a small change in the itinerary. I am very experienced and have talked to many retiree and wannabe retirees. The path is well marked and people seem to just follow the sign posts with out much thought. I find the patterns they follow to all be very similar.


  5. Hey Dave,

    Your blog is very insightful and definitely encourages me to start planning a retirement now. I want to retire early as well, like around my early to mid 30s – I’m currently 22. For a class assignment, I recently read your article “Why Early Retirement is Not for Everyone” and it really made me wonder, if early retirement is really right for me or not. I see that the later generations seem to want to retire early whereas the earlier ones want to postpone their retirement. As an expert in this field, I would like to know what’s your insight on this?

    – Leila

  6. Hi Dave, my husband and I retired 6 years ago and just recently started a blog to chronicle our new life. Please feel free to take a peek and see what we are up to. I’ve added you to my blogroll and will check in often. Good work.

  7. Hallo Dave,
    You talk about retiring as if it was something to be apprehensive about – why? I am fast approaching 68 and have been retired since I was sixty. Apart from putting my finances in order for my retirement, I have never really given this phase of my life much thought. I have children and grandchildren, I have worked all my life and have also had a great deal of interests outside these spheres. For me retirement was just another phase in life and one in which I could do all the things I enjoyed whenever I wanted to. I have always loved writing and now I have made this into a second career, but on my terms. I am my own boss and I take time off without asking anyone else.
    If you approach retirement with apprehension you will never enjoy it. Even if the finances are not all that they should be, remember that you went to school and learnt to write. Use this ability to top up your finances occasionally and find yourself in the centre of life and really living.
    Good Luck to everyone on the threshhold to retirement.

    Jean kotzur

    • Hi Jean and thanks for your comment. Actually I look forward to retiring and doing all the things I have always wanted to but could not because of the job and other requirements. I believe that to have the best retirement it is important to prepare beyond just the financial side of things. I want to have identified what I am most passionate about so my days are fulfilling and exciting. You mention writing – definitely one of my passions. With my blog I often hear from retirees who are bored or unhappy in their retirement life and I think a bit more preparation may have helped them to realize a better retired life. But as long as I keep myself engaged and trying new things I look forward to retiring. After all, it is only the beginning! 🙂

  8. Wow Dave what a great encouragement for those of us approaching the golden years! Great job on this site and I’ll look forward to more insightful perspectives! Thanks.

  9. Hi Dave

    So glad to have found your website. I have been looking for this kind of thing for a while. I finished working some years ago, although I have only just reached official retirement age, and for some time I did find the transition from full time work to lady of leisure more problematic than I had expected.

    I guess I hadn’t really factored in what I was “losing” in addition to a monthly salary. Creating a sense of purpose to replace the imposed sense of purpose that work gives is something that I have long felt is a key to a happy retirement. I shall look forward to sharing experiences here. I write a daily inspiration blog at soulsnet and that is largely inspired by this need to share common experiences and learn from one another.

    I look forward to staying in touch.

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  14. I just came across your site and am happy to see that someone is so thoroughly covering important retirement issues. It is one topic that I need to cover more on my own blog. Thanks for the great resource and feel free to stop by and say hi.

  15. I found your blog via your recent article from US News and World Report which was posted on Yahoo “Don’t Delay Retirement”. I loved the article. Have you given in any thoughts to posting about the decision process that goes into actually “pulling the trigger” on early retirement? I’m going through that myself right now and working with spreadsheets to determine when we can really cover our expenses with pension , investments and future social security. Psychologically I feel fully ready.

  16. At 69 1/2, I’m satisfied to have no plans to retire, even though I’ve been the 401(k) guy for three employers. Better to keep working as long as the body and mind, or one of the two, last.

    As a war baby, I’ll probably have even more opportunities to work as the self-centered baby-boom crowd gallups off to Costa Rica, Baja California and other mythological retirement havens.

    Society is better off to have its citizens continue in the scrum of work, and be productive, than it is to have millions with little to do but plan their medical appointments around their vacations.

    Come what may, work.

    Daniel P. Doyle

  17. Dave,
    Thank you for and sharing inspirational thoughts and conveying positive motions. Thanks to great retirement websites such as yours, I look forward to embracing my final and best life’s journey commencing in October-2014. My goal is to enjoy and have fun every day and try to inspire other fellow voyagers to do the same. My plans include: daily spiritual reflections and gratitude for the blessings received throughout life; daily exercise; geezer softball; community involvement in charitable and political organizations; focusing on my spouse and best/loving friend of 42 years, returning to academic studies for courses in psychology and philosophy, in short living and enjoying life.
    Thanks again, for providing such great inspiration.
    Jack F

  18. Thank you Dave. I’m looking forward to reading more of your material. I appreciate that your audience (and mine) can easily find material about retirement planning that focuses on finances. Yet, what retirees do with their time has to be equally important. Check out the interviews on my website: retire-to.com. Does an interview sound interesting?

    Ed Zinkiewicz
    …and I’m retired

  19. Hi Dave:
    I love your blog posts on US News & World Report. I repost them on Facebook, Linkedin, Google+ and sometimes Twitter. I like to share interesting articles with my friends. Also, I have just begun following your personal blog. I am sure it will be just as alluring.

    I have been retired over 3 years and have just realized I “need to work”…but on my terms. I spent 25 years in the public relations and fundraising world and now find that blogging allows me to do a lot of the activities I enjoyed when I worked. I am adding you to my blogroll and hope you might consider adding my site to your list as well.

    I am at http://7thlifetime.com. My writings are about the “Inspirations and Challenges of 21st Century Seniors.” Hope you have the time to visit my site. I am a self-taught webmaster…learning the interesting art of using wordpress as I go along. Lifelong learning is one of my favorite things. I recently completed an online course through Coursera–college level and it’s free!

    There are so many wonderful things to do as a retiree starting in our communities. And if you are fortunate enough to leave near a city the choices are endless. Traveling opens our world to a vast array of interesting destinations. I recently took my Granddaughter to Italy through a Road Scholar Family Trip (formerly Elder Hostel). Wonderful adventure.

    Retirement is great!

  20. Dave: My latest post gives brief reviews of the blogs I follow. I have included your blogs–both of them with links.

    Also thanks for having me on your blog roll I have gotten a number of referrals. Thanks much!!!!

    It’s taking time but my following is building. 🙂


  21. Reading your book, I want to retire. I just turned 65, my count down calendar has 536 days. I have to wait because my wife is a year younger, and insurance is a killer. She thinks I am thinking too much about retirement, but I have been working over 40 years in my career, that’s enough. I believe one can not get too much info on being retired. Your book is great, and fun to read. Appreciate it very much.

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  23. Dave,

    Thank you for all the wonderful insight you give. I’ve read several of your articles on Marketwatch and Yahoo, and you are always spot on. I purposely look for your name now – forget retirement, you need to write more! 🙂

    I’m almost 58, and I’m studying and trying to determine the age I’ll begin drawing Social Security. I see pros and cons to 62 and 66, and the way I’m leaning depends on the day. Please keep writing so the rest of us can learn from your very good wisdom. You’re very much appreciated.

  24. I really did enjoy the idea of embracing the retired life that you have throughout your blog! I too am working to transition a family of career driven folks into the retirement world! It’s hard work and I often find myself lost in the who, where, what, how, when of it all! I appreciate your direction and candor of the retirement life.
    Until Next Time,
    Life Adventurer @ http://www.livemyretirement.com

  25. I am retiring in 15 days (at age 55!) after 31 years in Calpers from a municipal recreation and leisure services organization. My second act consists of two ideas: one–to provide leisure counseling to retirees and two–to continue teaching part-time at a northern California University. I’d love to follow your blog.

  26. I have just retired from 40 years practicing radiology at age 70. My parents were both MD’s and worked until 82 and 90.Not my plan. Given the concerns apart from money such as lack of external time structuring and potential for feeling less useful , I organized a seminar called “The Aging Radiologist-How to Cope and When to Quit”. It covers a lot of what you have spoken about but also the issues of safely practicing medicine as one’s vision and multi-tasking abilities age out.It’s been quite popular. Realtively few organizations have graceful ways to help older associates change their status in a dignified and appropriate manner.

  27. As I prepare to “retire” for a second time, I find myself largely in agreement with what you’ve written in your many posts. I prepared for “retirement” since I opened an IRA back in 1975 as a working student. I’m amazed at those who haven’t planned and executed, whether financially or mentally or otherwise. It’s my “second childhood” to explore and enjoy with personal purpose added. DW and I will enjoy the ride as long as we can.

    Here’s my two cents: Time is now the most important thing – the quantity remaining is unknown. Everything else is workable if one allows. Do whatever you wish, enjoy what you do, and get on with it while able.

    My father was incapacitated by a stroke a year before dying at 65 – right after a thorough physical pronounced him fine. My dear 93-year old mother enjoys her longevity while she realizes her world is changing as it seemingly becomes more challenging daily. She gave me this insight: Those years aren’t added to your twenties. LIVE!

  28. Hello Dave,

    My name is Arthur Bretschneider and I recently started Seniorly (www.seniorly.com). Seniorly is a new marketplace that connects people searching for – and providers listing – senior housing communities. We launched in January and have well over 1o0 providers that have signed up in the San Francisco Bay Area. Seniorly empowers consumers to make their own choices by giving them the tools they need to manage and complete their search process.

    I wanted to share our company with you, since we may be a valuable resource to your readers. Happy to tell you more about what we are doing, and I encourage you to visit our website http://www.seniorly.com to see our housing marketplace.


    About Seniorly:
    Seniorly was founded by Arthur Bretschneider, a third generation senior housing operator, and Sushanth Ramakrishna, a software engineer, who met at U.C. Berkeley while pursuing their MBAs. Seniorly is now a 7-person startup working from a small office space in San Francisco’s Chinatown. Link to our press release: http://www.prweb.com/releases/2015/01/prweb12472081.htm.

  29. Dave, I am not much of a “internet stroller” but spotted your website “love being retired today”. I have been in and out of retirement for years, always going back to work, in construction in one form or another, to include starting businesses. It is not easy for me, or most “retirees” especially men in my opinion, to retire and all of a suddeen have “time” on their hands. I won’t say anything about women, because I don’t relate to them easily, or spend much time around them. No I am not gay, just have found over the years, they are a “challenge” shall we say for me.

    I am a firm believer that a “man” needs something to do and a “man” needs something to look forward to, to do. Once he loses the desire or the inclination to “look forward to, something to do”, he is in trouble. Boredom, a sedentary life style sets in, more drinking, more smoking, less exercise, more depression, more stress and anxiety presents themselves.

    Once a guy gets over the “hill” and it is far enough down the other side, he is in trouble, and normally doesn’t make it make up on top of the hill, ever again, no matter how hard he try’s.

    We all learn and live by example, set by others, very seldom ourselves. I firmly believe in a new view, as often as necessary. My wife of 28 years has chosen to go in a different direction, I am sure that the 16 year age difference has helped that to materialize. At 68 1/2 I have no sense of letting up on the seeking out and finding the “new view”.

    I am an avid kayaker, river rafter and hiker (up until I have started to have trouble with my feet being sore) and am constantly searching out new adventures. Presently I am in La Parguera, Puerto Rico, kayaking and enjoying a Caribbean life style.

    I also do a fair amount of fly fishing, in the Northwest, especially when I am on the water. My brother owns this Game Reserve in SE Oregon, http://www.lakeinthedunes.com and his son and my son guide the http://www.grindstonelakes.com and we own some property in a National Monument in Oregon, http://www.volcanoproperty.com. All exceptional fly fishing waters. When I am in Bend, Oregon, where I call home I guess, we spend a tremendous amount of time on the Deschutes River fishing the Native Red Side and my son is a world class Steelhead fisherman.

    Last year for the months of July/Aug I kayaked/river rafted the entire Snake River from the S Border of the Yellowstone, above Jackson Hole to the Columbia River a total of 1,000 plus miles, by myself. Did all of my own shuttles, except for Hells Canyon. That included putting in a Point A, driving to point B, (where I had to take out and go around a dam) hitch hiking back, then doing the water.

    Next year it is the Yellowstone at Gardner, MT, to the Missouri at Williston, ND, then on to the Mississippi at St. Louis then on down to the Gulf. About 3,000 plus miles and 5 plus or minus months. There will be no problem finding a “new view” on that trip.

    Many of us spend far to much time looking at the past,especially what we could have done differently and way to much energy and time worrying about the future. Financial security for “most of us” is the issue, but I have learned to live within my means, don’t want anything, have had it all, none of it is left and view things a whole lot differently than I did when the money was rolling in.

    I have never wanted to be the guy sitting on the side of the road watching the traffic go by. What has helped is I am active exercising wise, get up early, I don’t drink, don’t smoke, don’t drink coffee, don’t read the newspaper, don’t watch TV and I am just about ready to delete the desk top Icon for Yahoo news, which is where I get the worst of the worst. I have found that by not participating in the “horror” of it all, my day is so much more positive. A long 4/5 hour kayak and a good 5/6 mile walk can do wonders to start a day, rather than reading all of the “horrific” things going on domestically and internationally. Serves me no purpose. I have also found at watching NO TV at all has enriched my life significantly.

    I have carried on here I know, but this “retirement thing” is not as easy as you make it out to be, at any age, under any circumstances, with a lot of money or without a lot money. It takes guts, it takes proper and determined planning, it takes wisdom, it takes a good amount of life’s experiences to choose from, it takes common sense, it takes a “purpose” it takes money, it takes health and above all it takes a “new attitude”.

    Good Luck
    Dave Scott

  30. Love your site! I’ve been reading it for over year while getting ready for retirement and found i very helpful.

    Please delete my old email (hallock@mit.edu) and add my new one: hallocklyn52@gmail.com

    I am officially retired!

  31. I am looking to purchase a blog post on your lovebeingretired.com blog. Is this something you offer?

    I have posts pre-written, ready to go, 800+ words, all written by professional writers.

    If this is something you’d consider please get back to me with your price for placement and terms for the content.

    Obviously you’re welcome to review the article before agreeing to a deal.



  32. Transitioning through many changes in life- divorce, empty nest after four children, moving, retirement.
    Financially ok and adopted a dog this year. Feeling on the verge of so many things and enough energy to enjoy things again. Slowly adding things to my new life- wardrobe improvement, hiking and walking with my dog, fly fishing, biking, gardening,decluttering my home and bins of moved belongings, small travel trips this year with larger travel plans in coming years, symphony concerts, reading a lot, participated in local chorus and concert, farmers markets and considering a bit of volunteering. Still have boring days but very at peace with my freedom.
    Good to hear from others who are in this stage of life. Every day is new.

  33. Dave, I have enjoyed reading your blog for over five years now, and always find useful information and suggestions. My wife and I have used our “Golden Years” to the fullest, and now spend about six months a year traveling in our RV. We love the lifestyle and worked hard to prepare for it. We visit your state at least once every year and love it.
    Just wanted to say “hi” and wish you a Merry Christmas. Keep up the good work! Joe in TN

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