When it comes to the baby-boom generation, it pays to be old.

The first of the boomers began reaching normal retirement age seven years ago, and those who have already gone through the process probably are in better shape financially than their boomer brethren who will be retiring in the future.

In fact, it might seem as if the deck is stacked against younger boomers, who range in age from 53 to 62. For one, they are less likely to have a traditional pension than older boomers. If they are helping their children pay for college, they are facing far higher tuition costs than older boomers. And then there are their parents. As people live longer, younger boomers are more likely to have to help support their parents in old age than boomers who came before them. 

Compass & Clock is here to help set you on a stronger path to retirement. The goal is to outlive your money. Whether you want to learn about the new hybrid Long-Term Care Insurance policy or how to turn the equity in your home into income through a Reverse Mortgage - we're here to help you start preplanning today for a financially-sound tomorrow.

A great place to start would be reviewing the below Financial Solutions Assessments sheet below, and then feel free to reach out to any of our Compass & Clock experts in our online directory following the tip sheet.


Concierge services for seniors include but are not limited to: transportation to appointments, errands & shopping; assisting with minor housework & minor home repairs; managing mail & bills; fiduciary services; providing computer & technology support and instruction; scheduling appointments; companionship; and so much more.

Concierge services allows the senior to remain independent longer, and when family members come to visit, they actually can have a quality visit, and not work on the "to do list" of tasks.


WINGMAN FOR SENIORS, Serving Kitsap County, 360-362-0356.  Wingman for Seniors will be your "wingman" and they will help you with transportation, wellness checks, socialization, and so much more. 


A CPA (certified public accountant) is a trusted financial adviser who has passed the rigorous CPAExam, met work experience requirements, and takes continuing professional education courses to maintain the CPA certification.

SCHULTZ & ASSOCIATES CPA'S: 19679 Front Street NE, Poulsbo, 360-779-5606


More and more people today are choosing to preplan their own or a loved one'sfuneral as an alternative to having others make the decisions for them. Three fundamental benefits of planning a funeral in advance are: The peace of mind that comes with knowing your wishes have been made known and the details taken care of; The comfort of knowing your family will not have to make funeral arrangement decisions during the difficult time of their initial grief; and Assurance that informed, thoughtful decisions have been  made about the funeral home provider, choice of service and costs.

COOK FAMILY FUNERAL HOME: 163 Wyatt Way NE, Bainbridge Island, 206-842-2642

HARPER RIDGEVIEW FUNERAL CHAPEL: 105 W 4th Str., Port Angeles, 360-452-9701

SEQUIM VALLEY FUNERAL CHAPEL: 108 W Alder Str., Sequim, 360-683-5242


IMAGE CONSULTANT (Image & Styling Services, Wardrobe Makeover and Personal Shopping)

Image consulting is a professional field that aims to improve the image of the client personally or professionally through appearance, behavior, and communication. It is the process of evaluating the effect of a person's appearance on their professional image. 

Image consultants are usually experts in marketing and fashion; they train their clients to improve their image for social events or to achieve certain goals. Not only individuals but also companies can be clients of image consultants. An image consultant's main focus is on dressing, personal style, clothes buying, body language, and etiquette, taking a customer through a process of evaluating their lifestyle and helping them change their body language and attire in order to help improve their image

CLEAN LINES FASHION: Lisa Kemmerling, Serving the Kitsap, Jefferson, Clallam Counties and the Surrounding Areas. 925-719-2314


Long-term care (LTC) insurance is coverage that provides nursing-home care,

home-health care, personal or adult day care for individuals above the age of 65 or with a chronic or disabling condition that needs constant supervision. LTC insurance offers more flexibility and options than many public assistance programs.

LONG TERM FINANCIAL: Stephen Hecht, 360-868-4429 (serving Mason County)


Having a lot of options is good, but making a choice can become overwhelming. With over 30 Part D Prescription Drug Plans and nearly 50 Medicare Health Plans available in the WestSound Region alone, many people find themselves not knowing where to begin. 

JC MADISON INC:  Stephanie Kirk, 18887 Highway 305, Suite #300, Poulsbo, 360-779-1082

Medicare Planning ~ Long Term Care Insurance ~ Annuities ~ And More

FARMERS INSURANCE - THOMPSON AGENCY: Victor Thompson, 1703 SE Sedgwick Rd, Suite #103, Port Orchard, 360-602-6999.

Home ~ Auto ~ Life ~ RV ~ Pet ~ And More

KMi KRISTIN MANWARING INSURANCE: Kristin Manwaring, 2300 South Park Ave., Port Townsend, 360-385-4400.  

Medicare ~ Employee Benefits ~ Individuals & Families ~ Financial Protection


REETZ INSURANCE: Mike Reetz, 835 E 2nd Street, Port Angeles, 360-452-5820 

STATE FARM INSURANCE - Paula Weissinger, 175 Parfitt Way SW, Suite 180, Bainbridge Island, 206-855-0855.

Home ~ Auto ~ Property ~ Life ~ And More

WE SPEAK MEDICARE - Gary Floring, Serving Jefferson & Clallam Counties. 360-434-6791

Medicare Planning and Education.


A mortgage is a legal agreement by which a bank or other creditor lends money at interest in exchange for taking title of the debtor's property, with the condition that the conveyance of title becomes void upon the payment of the debt. Mortgage loan consultants deal with lending institutions, acting on behalf of potential borrowers to get the best loan for their financial situation.

Caliber Home Loans: Andrea Epstein, 175 W. Washington St., Sequim. 206-818-4110. Serving Sequim, Port Angeles, Port Townsend, and surrounding area.


A reverse specialist will help educate you on how a reverse mortgage is a way to turn the equity in your home into cash which is usually tax free without having to make monthly mortgage payments. Instead of monthly payments, the loan is taken against a senior’s (62 or older) home equity and repaid in one lump sum when the last borrower leaves the home. As part of the loan, the borrower is required to continue paying property taxes, insurance and maintenance (and HOA fees, if applicable). These loans can potentially help seniors gain financial independence from increasing living expenses.

FAIRWAY INDEPENDENT MORTGAGE CORP: Joan Qvigstad, 19140 8th Ave., Poulsbo, 360-271-5946. Serving the WestSound Region and surrounding area.