BARRY LAVALLEY is President, Retirement Lifestyle Center and has studied the retirement transition in North America, Australia and Great Britain for the past twenty years. His company is a research, education and advocacy organization focused on the non-financial aspects of the transition into retirement for aging boomers. Barry's approach is to look at the psychological and emotional aspects of aging; he then uses the research available from around the globe to help people understand their passage to this next phase of life. His work in the financial services industry starting in 1980 helped