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7 Ways to Beat the Retirement Draw-Down Blues

Posted: February 28, 2012 at 3:17 pm


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BOSTON (MainStreet) -- Even as baby boomers march into the ranks of the retired, many are behind the ball in preparing for that inevitability. Complicating matters has been a recession, market volatility and staggeringly low interest rates. More than 76 million baby boomers -- nearly 25% of all Americans -- are approaching retirement age in the next 20 years, making the transition from retirement saving to retirement spending. That shift from accumulation mode to a deccumulation phase is proving difficult for many. So much so that a recent survey by Schwab found that one-third of those who say they are just five years away from retirement have not even calculated how much income they will need in retirement. "Flummoxed" is how those same researchers described nearly half of these soon-to-be retirees when it comes to how to invest money for maximized retirement income. The findings may not come as much of a surprise to Carrie Schwab-Pomerantz, Schwab's senior vice president, whose focus on financial literacy issues has given her insight on, and concern about, street-level investing behaviors. The Schwab survey suggests that "while the vast majority of pre-retirees express feelings of optimism about their retirement readiness," their outlook may be either filtered through rose-colored glasses or masking how they really feel. One-third said they have not yet determined their essential living expenses in retirement and 64% say they have less than one year of cash savings available for living expenses during retirement. "A quarter of all Americans are retiring, and yet there hasn't been a lot of thought around decummulaton and maximizing income utilizing your various portfolios and income streams," Schwab-Pomerantz says. "It comes at a time when it's hard enough to save and build that portfolio, one of the most expensive things you'll ever do. There's so many aspects to decummulation, and we found that from our clients that coming up with a drawdown strategy for income was very complicated." "The bottom line is that transitioning into retirement mode is a very emotional time," she adds. "Saving for retirement is something most Americans know they have to do, but many people are confused, scared and literally frozen when it comes to flipping the switch from saving to withdrawing. Our data shows that people even just a year or two away from retirement don't know how to tap their savings effectively once they transition to retirement."

 

Schwab offers the following tips for tackling the need for steady, long-lasting retirement income: Review your situation.
Know how much money you've earmarked for retirement, where you keep it and how much, if anything, you want to leave to heirs. Maintain a year of cash.
Set aside an amount equivalent to what you'll need from your portfolio for at least a year. This is the money you'll use -- along with your regular sources of income -- to cover all expenses throughout the year. "One of the basic principles of finance is that you should have three to six months of cash set aside for your nondiscretionary expenses," Schwab-Pomerantz says. "Given the economy and volatility, it's also a good time to probably have more fixed income, maybe two to four years of liquid assets -- short-term bonds and CDs and so forth -- as part of your asset allocation, so that even if we never have to deal with another year of all-time lows you can weather the storm and not have to sell equities during those all-time lows." "Even somebody who is farther away from retirement should have that emergency fund in case they lose their job or have an illness," she adds. "You don't want to have to spend down any equities you have built up at their lows and you don't have to resort to a short-term loan where you might have to pay very high rates." Consolidate income in a single account.
When possible, you may want to deposit your regular sources of income into the account where you keep your year of cash. Or you might choose a similar type of account where funds can be easily transferred. According to Schwab's survey, 51% of respondents say they have four or more financial accounts, yet two-thirds are not planning to consolidate those into one account from which to withdraw their retirement income. People do have insecurity about placing all their financial eggs in one institution," Schwab-Pomerantz says, and this is particularly true of those with $100,000 or more in investible assets who tend to keep their accounts in multiple places. "The idea of consolidating accounts is so you understand how much you have, or would like to have," she says. "Hopefully you will have some tax-deferred accounts and some non-tax-deferred accounts, so there is a strategy around tax efficiency and growing your income tax deferred for a longer period of time. It's really a matter of simplifying your life so that you can focus on more complex things, like building your assets and finding a tax-efficient source of income." Match your investments to your goals and needs.
As you begin to rely on your investments for income, you may feel most comfortable investing heavily in income-generating bonds and CDs. But to counteract the long-term effects of inflation, you may need to keep a portion of your savings in growth-oriented stocks as well. Cover essentials with predictable income.
Divide your expenses into essential and discretionary categories and cover the essentials with predictable income sources. Don't be afraid to tap into principal. "One of the steps is to sort your expenses between essentials versus non-essentials and then have a draw-down strategy that uses your predictable income to cover for essentials, such as housing and utilities food," Schwab-Pomerantz says. "That predictable income can be interest off a bond or when a bond matures and you know when it's going to come." To supplement your predictable income sources such as dividend and interest income, Social Security, pension payments and rental income, consider drawing money from your retirement portfolio in this order: Start by drawing principal from maturing bonds and CDs; Take your required minimum IRA distribution if you are 70.5 or older; Sell overweighted assets in your taxable accounts; Sell from your tax-advantaged accounts starting with traditional IRAs, then Roth IRAs. "There are strategies to be had," Schwab-Pomerantz says. "If you have a traditional IRA versus a Roth IRA you might do one first versus the other, depending on what your strategy is." Rebalance annually to stay aligned with your goals.
Annual portfolio rebalancing is especially important when you're retired, not just during the accumulation phase. There's less time to recover from the potential losses of lackluster returns caused by a portfolio that has strayed from your chosen asset allocation. Stay flexible and re-evaluate as needed.
Things change. Situations change. Markets change. Priorities change. It's important to periodically revisit your portfolio asset allocation to stay aligned with your broader investment goals. Schwab-Pomerantz stresses that even for those five years away from retirement, there is still time to right their financial ship. "It's not too late," she says. "We are seeing, culturally, that baby boomers don't think of sitting in a rocking chair and knitting. They are thinking of second careers and working part time, still being viable and productive. So, there is time to build income. There is time to balance out that portfolio, get that cash stream up. Also, retirement today could be a 30-year endeavor, and you can do a lot in 30 years." "You don't get a lot of chances to change your retirement outlook," Schwab-Pomerantz adds. "The sooner you can start thinking about it and working on it, the better it will feel and the more choices you will have later in life." -- Written by Joe Mont in Boston. >To contact the writer of this article, click here: Joe Mont. >To follow the writer on Twitter, go to http://twitter.com/josephmont.

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7 Ways to Beat the Retirement Draw-Down Blues

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February 28th, 2012 at 3:17 pm

Posted in Retirement

ClickBank Debuts New Podcast Format and Programming

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BROOMFIELD, Colo.--(BUSINESS WIRE)--

ClickBank, the premier online marketplace for digital information products, is bringing together the brightest minds in the industry on its new online radio show, ClickBank Insider Radio. Each weekly episode will feature industry insiders reviewing hot topics and sharing their personal success stories as learning lessons.

A fresh ClickBank Insider Radio podcast will be posted every Wednesday, and available for live playback or download from the ClickBank blog at: http://www.clickbank.com/blog/category/clickbank-insider-radio. ClickBank Insider Radio can also be accessed through iTunes and listeners can subscribe for free at: http://itunes.apple.com/us/podcast/clickbank-insider-radio/id501473802.

Tune in to hear ClickBank hosts Beau Blackwell and Molly Lane dish with successful Internet business owners and other featured guests on topics related to entrepreneurship, e-commerce, Internet marketing, affiliate programs and all points in between. They will also provide commentary on the issues impacting the industry at large.

“We have an active online community that is passionate about their businesses and always looking for new, under-the-radar tips and techniques to take their success to the next level,” said Blackwell, who also serves as ClickBank’s client knowledge guru. “ClickBank Insider Radio will be a direct line for affiliates and Internet marketers to learn from the people who are changing the face of the industry and paving the way for the next wave of online entrepreneurs.”

The first three episodes include:

Episode 1: Pat Flynn of Smart Passive Income
http://www.clickbank.com/blog/2012/02/08/clickbank-insider-radio-episode-1-pat-flynn-of-smart-passive-income
In this inaugural episode, Internet marketing superstar Pat Flynn of the Smart Passive Income blog and podcast shares his business secrets, including how he went from working 60 hours a week as an architect to a five-figure monthly online income.

Episode 2: ClickBank Tools You May Have Missed
http://www.clickbank.com/blog/2012/02/15/clickbank-insider-radio-episode-2-clickbank-tools
In this episode, collect insider information on some of the best features ClickBank has ever released – from Joint Venture to the Affiliate Whitelist – and learn how they can create new growth and opportunities for your Internet marketing business.

Episode 3: Success Secrets from a Superstar ClickBank Client
http://www.clickbank.com/blog/2012/02/22/clickbank-insider-radio-episode-3-success-secrets-from-a-superstar-clickbank-client
This week’s episode features guest Sean Malarkey who, along with his partner Lewis Howes, has built a seven-figure business around information product brands. Learn how they got their start and grew their business to where it is today.

About ClickBank

ClickBank® is an online marketplace for digital information products that allows individuals and businesses to attract the customers they can’t find anywhere else online, and provides affiliate marketers with secure ways to be successful and profitable.

ClickBank combines a diversified, established marketplace with an infrastructure that includes expert customer support for more than 50,000 digital products and more than 100,000 active affiliate marketers. ClickBank enables sales in more than 190 countries around the world and is consistently ranked as one of the most highly trafficked websites on the Internet. In December 2011, ClickBank reached a new milestone – distributing $2 billion in total revenue paid to affiliate marketers and product vendors from transactions completed via the ClickBank Marketplace since its launch in 1998.

ClickBank is privately held with offices in Broomfield, Colo. and Boise, Idaho. For more information, go to: http://www.clickbank.com. “Like” ClickBank on Facebook or “follow” @ClickBank on Twitter.

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February 28th, 2012 at 3:16 pm

Posted in Personal Success

Chelsea Carmona: Strategically Building a Personal Network

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Chelsea Carmona: Strategically Building a Personal Network

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February 28th, 2012 at 3:16 pm

Posted in Personal Success

Chiropractor Finds Success in Treating Lake Worth Back Pain Patients

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LAKE WORTH, FL--(Marketwire -02/28/12)- Chiropractor Dr. Jack Cacic announced that his practice has had success using natural, non-invasive treatments for back pain. Dr. Cacic treats auto accident injury and personal injury patients using a combination of chiropractic care, physical therapy, and massage therapy. His treatments also provide natural pain relief for individuals suffering from chronic back pain. Dr. Cacic serves the Florida communities of Green Acres, Lantana, Boynton Beach, West Palm Beach and Palm Springs.

Lake Worth chiropractor, Dr. Jack Cacic announced that his practice, Dr. Jack Cacic Chiropractic, successfully treats patients suffering from back pain using a combination of chiropractic care, physiotherapy, and massage therapy. Dr. Cacic uses non-invasive treatments for pain management rather than medication or surgery.

"I am happy to announce that we have had tremendous success using natural treatments for managing back pain," said Dr. Cacic. "Many auto accident injury patients are frustrated with traditional care, which only 'covers up' pain rather that correcting it. Our patients enjoy long-term relief thanks to chiropractic care, which corrects the underlying cause for patients' pain."

According to Dr. Cacic, an auto accident at speeds as slow as five miles per hour can cause serious traumatic injury to the musculoskeletal system. When a patient's spine is out of alignment, the nervous system is unable to properly send and receive messages, placing the entire body at risk for pain, injury, fatigue and illness.

Chiropractic adjustments correct the underlying cause for pain by restoring alignment to the body. For example, according to Dr. Cacic, a herniated disc can compress nearby nerves, such as the sciatic nerve, leading to a condition known as sciatica. Restoring alignment to the spine relieves pressure on the sciatic nerve, providing long-term pain relief.

"During treatment, we move through three key stages," said Dr. Cacic. "Our first goal is to provide immediate pain relief. Secondly, we work to correct the underlying condition. And finally, we focus on long-term pain management and overall wellness for the entire body. We help patients who have been struggling with chronic pain and give them the freedom to live active, pain-free lives."

Dr. Cacic uses a combination of treatments, including chiropractic adjustments, to relieve back pain. He also recommends complementary treatments, including massage therapy and physiotherapy.

"Massage treatments help to speed internal healing by promoting the flow of oxygenated blood," said Dr. Cacic. "At the same time, these treatments also provide immediate pain relief by helping the muscles and soft tissues relax, relieving painful symptoms of muscle spasms."

"Physiotherapy also provides important benefits," said Dr. Cacic. "Many patients who have suffered an auto accident or personal injury experience soreness or stiffness. Basic movements can be extremely painful. In addition to helping relieve pain, these treatments promote internal healing and help restore a full range of motion to the body."

Dr. Cacic emphasized that this comprehensive approach to pain relief is successful because it focuses on correcting the underlying cause, providing both immediate and long-term relief.

Individuals who would like to learn more about the Lake Worth chiropractor's approach to pain relief may do so by visiting the practice's website, http://chiropractorlakeworth.com/.

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Chiropractor Finds Success in Treating Lake Worth Back Pain Patients

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February 28th, 2012 at 3:16 pm

Posted in Personal Success

Personal Brand Expert Gretchen Neels Releases 'I Hate to Shop! But Still Want to Look Great' E-Book Series

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WASHINGTON, Feb. 28, 2012 /PRNewswire/ -- Most professional women complain of having a closet full of clothes and nothing to wear. After spending $107 billion in 2010 on women's apparel (according to the NPD Group, Inc.), one would think working women would be turned out more fashionably than ever.

"Not even close," according to personal brand expert, speaker and chief stylist at Neels & Company Gretchen Neels. "Many, many executive women struggle to find clothing that fits their bodies, fits their budgets and is work-appropriate."

Whether one works in a corporate or business casual setting, Neels comes to the rescue with advice, tips and strategies in her illustrated e-book series, I Hate to Shop! But Still Want to Look Great. 

"If we agree that we each have a personal brand, then what we wear is our packaging and how we communicate with others is our marketing plan," says Neels. "Like it or not, we are all judged by the clothing we wear. As humans, we are programmed to assess others in an instant. It may once have been to determine friend or foe, but now it's whether someone is capable and qualified."

A former recruiter, Neels has been in the professional development arena since 1998. "I am passionate about helping professionals manage the image they present to the world. Many women undermine their careers by dressing like college girls or party girls. They relinquish their authority and power by not understanding the impact clothing has on first impressions and subsequent meetings. Unlike their male counterparts who don't question what's expected in terms of dress," explained Neels, "many women lose sight of the advantages dressing well provides." 

After delivering dozens of her Style Workshops to corporate and professional services clients, she realized that many attendees dressed poorly because they simply hated to shop. Neels, a former Nordstrom personal stylist, decided to share her tried-and-true strategies, such as:

Never shop aimlessly. Know what you're looking for. Never shop for more than three hours at a time. Never shop in more than three stores during a shopping trip. Always bring water and a snack or two. Cultivate relationships with the best sales associates. Fit is key, second only to quality. Dress for the body you have today. 

In addition to shopping strategies, Neels takes readers step-by-step to determine their body type (hourglass, rectangle, triangle or inverted triangle) and then provides the best styles for each silhouette.

Once the body type is established, selecting core neutrals based on hair color, eye color and skin tone is next. "The trick is determining if one's coloring is cool or warm. Cool neutrals include navy, gray and black. Warm neutrals include olive, brown and camel. Building a wardrobe around two core neutrals removes a lot of guesswork, making it infinitely easier to get dressed in the morning because all the pieces will work together."

The series is divided into the following four volumes:

I Hate to Shop Volume I: Corporate Environment Basics

This first volume covers the basics of dressing appropriately for women working in more conservative corporate environments, such as banking, lobbying firms, trade associations, consulting firms, law firms and legal departments at major companies.

I Hate to Shop Volume II: Corporate Environment Advanced

Going beyond the basics, this second volume focuses on how to add style and sophistication to your wardrobe. You'll discover the small details that make a big difference when it comes to dressing the part, conveying trust, authority and confidence.

I Hate to Shop Volume III: Business Casual Environment

If you or members of your team struggle with the very vague and imprecise term "business casual," this guide will be tremendously valuable.

I Hate to Shop Volume IV: Accessories

In this guide, we'll show you how easy it is to develop a signature style by adding the perfect embellishment to your outfits, making you stand out from the crowd.

The e-books are $12 each and are available at http://www.NeelsCompany.com/store.   

About Gretchen Neels:

As a sought-after speaker, author, workshop facilitator and coach, Gretchen helps professional women manage the image they project to the business world by way of verbal and non-verbal communication, wardrobe selection and etiquette training.
Web: http://www.NeelsCompany.com. 

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Personal Brand Expert Gretchen Neels Releases 'I Hate to Shop! But Still Want to Look Great' E-Book Series

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February 28th, 2012 at 3:15 pm

"A Discussion About The Importance Of Obtaining An Education"/ Session Snapshot – Video

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27-02-2012 01:08 Educate1's mission is to improve the academic performance and increase the ambition of children in grades 6 - 12, by providing support services that contribute to academic success in school. Visit our website at http://www.educate1.com for more information about scheduled webinars.

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February 28th, 2012 at 3:14 pm

Posted in Online Education

Education needed to combat syphilis outbreak

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The New Brunswick government has to continue providing public health information in order to combat the rise in syphilis, according to an AIDS Saint John official.

The Department of Health released statistics recently showing there were 57 cases of syphilis last year, up from 37 in 2010.

Most of the cases were in Fredericton and Moncton but there has also been a rise in Saint John and in northern New Brunswick.

The provincial government has distributed information about syphilis and condom use in bars and online.

Julie Dingwell, the executive director with AIDS Saint John, said these public education initiatives are good, but she wants education about all sexually transmitted infections to include outreach groups in the classroom.

"Kids are obviously not getting the health education they need. But that is where it needs to take place, because we don't have them captive in any other venue,” she said.

Syphilis starts as a sore on the genitals but can turn into a rash, fever or even death.

Most of the cases involve men who reported only having sex with other men and a majority of them were between the ages of 20 and 25.

Along with education, another advocate said the provincial government needs to offer people more access to sexual health clinics so they could be tested.

Nick Scott, the executive director of AIDS New Brunswick, said the rise in the sexually transmitted infections is “a big concern.”

Scott said people should have better access to testing at sexual health clinics across the province. But he said that has been made more difficult by recent government cuts.

“Anyone in the demographic that is actually being impacted by this outbreak has to go to their family doctor or an after-hours clinic,” he said.

Dr. Denis Allard, the province's deputy chief medical officer of health, said the sexual habits of some young people are part of the reason for the increase in syphilis.

"They often meet them in places where they either use drugs or get drunk with alcohol so that their judgment gets poor, tends to have higher sexual activity, and also unprotected sexual activity," Allard said.

The provincial government has also recorded an increase in the number of women diagnosed with syphilis.

Syphilis is not the only sexually transmitted infection that has seen a recent increase.

Chlamydia has also noticed a 20 per cent increase in the last year, according to provincial statistics.

Chlamydia, a sexually transmitted infection that can damage female reproductive organs, is putting young women in the province especially at risk.

In February 2011, the provincial government said more than 1,800 youth had chlamydia up 20 per cent from the previous year.

Allard said the increase in the number of sexual partners is likely contributing to the increase in sexual transmitted infections.

“I think it is just that a lot more of the young people started to have many more sexual partners than they had before.They have more casual types of sex. So these things are very short-term sexual relations,” Allard said.

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Education needed to combat syphilis outbreak

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February 28th, 2012 at 3:14 pm

Posted in Online Education

Online gambling detracts from student education

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The kid in class one seat over, folks on library computers and roommates that never leave their desk - online gambling has become a serious hobby for some students on Miami University's campus. Whether for real money or not, the editorial board has noticed the surge in online gambling participants around campus. Due to the illegality of the issue at hand, we believe that Miami would be justified in banning gambling Web sites on-campus.

Technically, online gambling in the United States is illegal under the Wire Act of 1961 which prohibits the use of wire communication to place bets and is said to also extend to online gambling. The illegality of the situation would lend merit to any university decision to cut the wire on students' distraction. A few years ago, a similar situation arose when Miami pulled the plug on all music downloading capabilities on-campus, putting a serious dent in multiplying music collections. Prohibiting online gambling sites that require real bets would be a similar measure to prohibiting illegal online music sharing.

Then, there is the fact that gambling can easily devolve into an addiction. Online gambling is especially predisposed to such compulsion. It is far more personal and anonymous than sitting down with a group of buddies to play poker and it can be done at any time of day. Additionally, users can fly through online gambling games at a much quicker pace than traditional, live methods of gambling. Online gambling is under the radar - only the user is tuned in and no one else is present to judge, participate or otherwise make one feel uncomfortable about playing. Overall, online gambling has the potential to become an addiction, the same as other addictive substances banned on university property.

There are some people of the opinion that Miami is merely a university and its sole responsibility is to educate, not to be the moral backbone or micromanager of its students' lives. Nevertheless, there is an understandable role for the university in student life and Miami in particular has taken on that role for the betterment and increased quality of students' education, health and safety. Why else do we have counseling services, an alcohol task force or other amenities toward reducing risk and heightening students' capacity for learning? For those who believe the university should only be involved with its students' education, the editorial board argues that limiting a student's participation in illegal activities, including online gambling, is a promotion of the student's main objective at this university - to obtain an education.

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Online gambling detracts from student education

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February 28th, 2012 at 3:14 pm

Posted in Online Education

Celebrity Designer Kelli Ellis Launches New Design Psychology Coaching Facebook Group for Current and Aspiring Coaches

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Making it easier to learn the latest on design psychology, celebrity designer Kelli Ellis recently launched a design psychology Coaching Facebook group. Online at https://www.facebook.com/groups/390766821941/, the page offers information on home, work and business.

Rancho Santa Margarita, CA (PRWEB) February 28, 2012

Just as design psychology coaching seamlessly blends life coaching, interior design and environmental psychology, Facebook combines the best of casual social interactions with important news. To augment her design psychology coaching practice and help more people get the latest industry news, celebrity designer Kelli Ellis recently launched a design psychology coaching Facebook group at https://www.facebook.com/groups/390766821941/.

The online group focuses on the study of design psychology as it applies to home, work and business while offering a place for conversation and connection, the latest in education, and encouragement for design psychology coaches and students.

“Designing beautiful and attractive spaces is about so much more than just furniture, lighting and accessories. It’s all about creating beauty that resonates with clients from the inside out, so that their lives are actually enriched by their homes and offices,” Ellis said. “That’s what design psychology coaching is all about – combining the best of life coaching and interior design to create ideal environments, so I’m thrilled to add this new Facebook group for all the existing and aspiring design psychology coaches out there.”

The Facebook group is also linked to the Spencer Institute’s online Design Psychology Coach certification, designed for anyone in the fields of interior design, feng shui, professional organizing or life coaching. The program focuses on elements of design, environmental factors that affect success, coaching for commercial projects as well as successful business models in design psychology coaching.

Based in Orange County, Ellis works in the field of design psychology coaching and interior design. With a variety of budget-conscious options for clients, her interior design business, Kelli Ellis Interiors, Inc., includes space planning, color schemes, interior architectural detailing, holiday décor, flooring, fabrics, kitchen and bath design, lighting, outdoor space, accessorizing, staging and more.

About Kelli Ellis

Award-winning celebrity interior designer and design psychology expert Kelli Ellis is owner and lead designer of Kelli Ellis Interiors, Inc. Ellis has a bachelor’s degree in Communications from Cal State Fullerton, a law school background and a certification from the Interior Design Institute. She has appeared on TLC’s “Clean Sweep,” HGTV’s “Takeover My Makeover” and Bravo’s “Real Housewives of Orange County,” where she helped fan-favorite Jeana Keough turn her house in her dream haven. She is also spokesperson for the Society of American Florists. Kelli Ellis Interiors is co-owned with her husband, John Spencer Ellis. For more information on the design psychology coaching Facebook page, please visit https://www.facebook.com/groups/390766821941/

###

John Spencer Ellis
Kelli Ellis Interiors
949 683 3713
Email Information

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February 28th, 2012 at 10:08 am

Posted in Life Coaching

Lite Life Surgery Adds Palm Springs Weight Loss Coaching Programs

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PALM SPRINGS, CA--(Marketwire -02/27/12)- Lite Life Surgery is pleased to announce the addition of weight loss coaching, dietician, and weight management programs to their California weight loss clinic. Lite Life Surgery, renowned for their bariatric surgery services and weight loss surgery solutions, has recently updated their services with weight loss programs and health regimens. The weight loss services provide for ongoing maintenance to those who have undergone weight loss surgery and also offer a nutrition and coaching solution to those who may have a BMI that is not high enough to qualify for surgical intervention.

Guided through each step by a registered dietician, Palm Springs patients enrolled in the weight management programs are taken through a 12-week course. The program includes weekly visits with a registered dietician who will educate patients on nutrition and exercise. A focus is placed on glycemic eating, as well as behavior and exercise modifications. Throughout the weight management programs, Palm Springs attendees of the program have access to a suite of online tools including a journal to track their thoughts, caloric consumption, and pattern of exercise habits.

The Lite Life Surgery weight loss management program is a great way for patients to take control of their behaviors, bodies, and health. Whether for medical reasons or personal reasons, these programs prove successful because they offer consultation, one on one coaching, and unyielding support.

Overseen by a nutrition and weight loss coach, Palm Spring residents who are looking to lose a lot of weight, or just a little, are encouraged to check out these weight loss programs in California.

About Lite Life Surgery

Lite Life Surgery in Palm Springs, CA provides weight loss surgery, nutrition and exercise programs, and weight management programs for patients throughout Southern California and beyond. Lite Life Surgery is renowned for obesity weight loss surgery, including bariatric surgery, gastric bypass, lap band surgery, gastric sleeve and duodenal switch weight loss surgeries.

For more information about weight loss surgery options or weight loss management programs in Palm Springs visit http://www.litelifesurgery.com.

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Lite Life Surgery Adds Palm Springs Weight Loss Coaching Programs

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February 28th, 2012 at 10:08 am

Posted in Life Coaching


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