For more than two decades, I’ve sat across the table from people who did everything “right.”

They saved consistently.
They contributed to their 401(k).
They worked with advisors.
They watched their balances grow.

And yet—despite the spreadsheets, projections, and optimistic assumptions—they were still deeply anxious about retirement.

That anxiety isn’t a personal failure.
And it isn’t because they didn’t save enough.

It’s because most retirement plans are built on math without design.

Market Anxiety Is a Symptom, Not the Problem

When people tell me they’re nervous about the market, what they’re really saying is this:

“I don’t actually know how my money is supposed to support my life.”

Market anxiety shows up when your retirement plan depends on:

• Hopeful projections
• Average rates of return
• “We’ll figure it out later” assumptions

Without a clear structure, even a large portfolio can feel fragile.

If your plan requires perfect market conditions to work, it isn’t a plan—it’s a gamble.

True confidence doesn’t come from watching balances go up and down.
It comes from knowing how income will show up in your life—no matter what the market does.

The Difference Between Accidental Retirement and Designed Retirement

Most people drift into what I call an accidental retirement.

They accumulate assets without ever answering the most important questions:

• How will this money pay me?
• When does income start?
• What happens if markets decline early in retirement?
• How do taxes, inflation, and longevity work together?

An accidental retirement relies on guesswork.

A designed retirement, on the other hand, is intentional from the start.

It’s built around:

• Purposeful income design
• Coordinated tax strategy
• Risk awareness (not risk avoidance, but understanding)
• A clear relationship between money and life

This is the foundation of our Wealth by Design philosophy, where every decision serves a larger system—not isolated accounts or products.

Why Large Balances Don’t Create Peace of Mind

I’ve seen million-dollar portfolios cause more anxiety than modest, well-designed ones.

Why?

Because accumulation does not equal income.

A balance tells you what you have.
Design tells you what you can use—and how long it will last.

Without design:

• Taxes quietly erode withdrawals
• Inflation reduces purchasing power
• Market volatility impacts timing
• Emotional decision-making increases

This is why retirement success is not about “how much you’ve saved,” but how intentionally that money is structured to support your life.

The “Family Secret” No One Talks About

There’s a quiet truth many families carry—but rarely say out loud:

“We don’t want to become a burden to our children.”

I hear this constantly.

People worry about:

• Running out of money
• Needing financial help later in life
• Losing independence
• Creating stress for the people they love most

This fear often drives overly conservative decisions—or excessive risk-taking—both rooted in the same lack of clarity.

A well-designed retirement plan isn’t just about finances.
It’s about dignity, autonomy, and peace of mind—for you and your family.

Mindset Is the Missing Ingredient

Traditional planning focuses heavily on accumulation.

Design focuses on behavior, structure, and mindset.

When your mindset shifts from:

• “How much can I earn?”
  to
• “How does my money work for me?”

Everything changes.

You stop reacting emotionally to headlines.
You stop measuring success by account statements alone.
You begin to experience an abundant relationship with money—one rooted in clarity, confidence, and control.

This mindset is what allows people to move from anxiety to ease.

Abundance Isn’t About Excess—It’s About Alignment

An abundant retirement isn’t necessarily extravagant.

It’s one where:

• Income is predictable
• Decisions are intentional
• Risks are understood
• Money supports your values

Abundance comes from alignment—not accumulation.

When your financial system is designed around your life (not the other way around), retirement becomes something you step into with confidence instead of fear.

Why Design Changes Everything

Design replaces:

• Guesswork with clarity
• Fear with structure
• Hope with intention

It allows you to:

• See how income flows
• Understand trade-offs before they matter
• Coordinate decisions instead of reacting to them

This is why we don’t start with products.
We start with design.

Because when the design is right, the math finally works for you—not against you.

Final Thought: Retirement Isn’t a Number—It’s a System

If you’re feeling anxious about retirement, I want you to know something important:

Your concern is valid.
And it’s also solvable.

Most retirement plans don’t fail because people didn’t save enough.
They fail because no one helped them design how their money was meant to serve their life.

When you stop chasing certainty through numbers alone—and start building with intention—you create something far more powerful than a projection.

You create confidence.

And that’s what retirement was always supposed to deliver.

CA LIC #0C71264, #0G81294
Investment advice offered through Copia Wealth Management Advisors, Inc.
Copia Wealth Management Advisors, Inc. is a registered investment advisor.

Introduction

Do I Have Anxiety? Signs, Symptoms, and When to Seek Counselling in Vancouver Anxiety is one of the most common mental health challenges people face today. While it’s normal to feel nervous before a big event, ongoing worry, fear, or restlessness can be a sign of an anxiety disorder. If you’ve ever asked yourself “Do I have anxiety?” this article will help you understand the signs and when to consider anxiety counselling in Vancouver. What Is Anxiety? Anxiety is your body’s natural response to stress. But when it becomes overwhelming or constant, it can affect your daily life, relationships, and overall health. Common symptoms of anxiety include: • Racing thoughts and constant worry • Physical symptoms like rapid heartbeat, sweating, or trembling • Difficulty sleeping or insomnia • Avoidance of certain situations • Irritability or feeling “on edge” Do I Have Anxiety? Key Questions to Ask Yourself If you’re unsure, consider these prompts: • Do I feel nervous or restless most of the time? • Am I avoiding situations because of fear or worry? • Does anxiety interfere with work, relationships, or sleep? • Do I experience physical symptoms (headaches, stomach issues) without medical cause? If you answered “yes” to several of these, speaking with an anxiety counsellor in Vancouver could help. Why Seek Anxiety Counselling? Professional anxiety counselling Vancouver offers tools to: • Understand triggers and patterns • Learn coping strategies and relaxation techniques • Reframe negative thoughts with Cognitive Behavioural Therapy (CBT) • Reduce physical symptoms linked to stress • Regain balance in your daily life Online and In-Person Options At Open Space Counselling, clients can choose: • In-person sessions in Vancouver and North Vancouver • Online counselling BC for flexible, confidential therapy from home Both options provide access to trained, registered counsellors who specialize in anxiety therapy Vancouver. When to Reach Out Consider contacting a counsellor if: • Anxiety affects your ability to concentrate or function • You’re experiencing panic attacks • You struggle with sleep (insomnia) due to worry • Anxiety is affecting your relationships If you’ve been asking “Do I have anxiety?” the answer may be clearer than you think. Anxiety is treatable, and seeking support is the first step toward healing. Start your journey today with Open Space Counselling, where experienced anxiety counsellors in Vancouver can help you regain peace of mind.

In the picturesque landscapes of New Hampshire, a person stands out not only for their contributions to the community but also for their embodiment of resilience, compassion, and dedication to improving the lives of those around them. Brenda Falwell Atkinson, a prominent figure in the region, has become synonymous with local development, volunteerism, and an unwavering commitment to making the world a better place. This article delves into the life of Brenda Falwell Atkinson, exploring her early years, professional journey, community impact, and legacy in New Hampshire.

The story of Brenda Falwell Atkinson is one of triumph over adversity, a narrative of someone who began their life with humble beginnings and steadily rose to become a role model for many. She has deeply influenced both her immediate community and the broader New Hampshire region, and her impact continues to be felt long after her initial foray into community service.

Brenda Falwell Atkinson’s journey is a testament to hard work, empathy, and perseverance. From her personal life to her work in the community, she has touched the lives of countless individuals, demonstrating the power of one person to make a significant difference. Throughout this article, we will examine the milestones and life events that have shaped Brenda Falwell Atkinson’s legacy and how she has earned her place in the hearts of many.

Early Life and Background of Brenda Falwell Atkinson

Brenda Falwell Atkinson’s journey to becoming a renowned figure in New Hampshire started long before she was known for her community involvement. Born in the early 1970s, Brenda Falwell Atkinson grew up in a tight-knit family in New Hampshire, where values such as hard work, compassion, and giving back to the community were instilled in her from an early age. The small-town environment of New Hampshire shaped much of her character, as she learned the importance of relationships and local support systems.

Throughout her childhood, Brenda Falwell Atkinson excelled academically, earning recognition for her efforts and commitment. Her early schooling years were marked by a love for reading, writing, and learning, and it was during this time that she began to develop a deep sense of responsibility for those around her. Raised in a family that believed in the power of giving back, Brenda learned the value of volunteerism early on, participating in local charity drives and helping neighbors with daily tasks.

As a young adult, Brenda Falwell Atkinson faced numerous challenges, but she remained focused on her goals. Her passion for education led her to pursue a degree in social work, which laid the foundation for her future in community service. During her university years, Brenda was active in various student organizations and was known for her leadership abilities and passion for advocacy. This formative period helped hone the skills and values that would later define her work in New Hampshire.

Professional Journey and Contributions to New Hampshire

After completing her degree, Brenda Falwell Atkinson returned to New Hampshire, where she began her professional career in the field of social work. Initially, she worked with various non-profit organizations, focusing on youth development, mental health advocacy, and social justice. Her role involved providing support to underserved communities, helping individuals and families navigate the complexities of life in difficult circumstances.

Brenda Falwell Atkinson’s expertise in social work quickly gained recognition, and she was soon called upon to take on leadership roles in several community-focused projects. Her work in New Hampshire became widely known, especially her efforts to promote mental health awareness, youth empowerment, and local economic development. Brenda understood the challenges faced by marginalized groups, and she used her knowledge to create programs that addressed these issues.

One of Brenda Falwell Atkinson’s most notable contributions was her involvement in developing community outreach programs aimed at providing mental health services to rural areas of New Hampshire. Recognizing that many people in rural communities lacked access to proper mental health care, Brenda helped to establish counseling services, support groups, and educational campaigns that brought resources to those in need. Her innovative approach to service delivery not only improved access to mental health care but also broke down the stigma surrounding mental health in small-town America.

As she continued her work, Brenda Falwell Atkinson was also involved in various civic organizations, including chambers of commerce and town committees. Her work often intersected with local government efforts to improve infrastructure, education, and public health. Throughout this time, Brenda earned the respect and admiration of local officials, business leaders, and fellow community members for her dedication to making positive change.

Personal Life and Legacy of Brenda Falwell Atkinson

While Brenda Falwell Atkinson is best known for her professional accomplishments, her personal life has also played a significant role in shaping her legacy. Throughout her career, Brenda has remained deeply connected to her family and close-knit circle of friends. She values her relationships and strives to maintain a healthy work-life balance, even as her professional responsibilities grew. Brenda Falwell Atkinson is a proud mother, wife, and mentor, and she often credits her loved ones for providing her with the strength and support needed to carry out her work.

In addition to her family life, Brenda has always been a strong advocate for outdoor activities and environmental sustainability. She has long been involved in efforts to protect New Hampshire’s natural beauty, advocating for conservation initiatives and sustainability practices. Her love for the outdoors has not only shaped her personal life but also inspired her professional work, as she recognizes the importance of maintaining a healthy environment for future generations.

As a result of her many contributions, Brenda Falwell Atkinson has left a lasting legacy in New Hampshire. Her dedication to improving the community, empowering others, and making a tangible difference in people’s lives has earned her numerous awards and accolades. From receiving local awards for her volunteer work to being recognized on the state level for her leadership, Brenda Falwell Atkinson’s influence can be seen in the many programs, initiatives, and projects that continue to thrive in her absence.

Conclusion

In conclusion, the life and work of Brenda Falwell Atkinson represent a remarkable journey of service, dedication, and compassion. Her contributions to New Hampshire have had a profound impact, and her legacy continues to inspire future generations of leaders, volunteers, and activists. Whether through her work in social justice, mental health advocacy, or environmental conservation, Brenda Falwell Atkinson has shown that one individual can make a significant difference in the lives of others.

As we reflect on her life, it is clear that Brenda‘s story is one of perseverance, empathy, and the power of community. Her work reminds us that, even in the face of adversity, there are always opportunities to create change and improve the world around us. The impact of Brenda Falwell Atkinson will undoubtedly continue to resonate in New Hampshire and beyond, ensuring that her legacy lives on for many years to come.

Frequently Asked Questions (FAQs)

1. Who is Brenda Falwell Atkinson?

Brenda Falwell Atkinson is a renowned community leader and social worker based in New Hampshire. She is known for her work in social justice, mental health advocacy, and her involvement in various community development projects in the region.

2. What are Brenda Falwell Atkinson’s main contributions?

Brenda Falwell Atkinson has contributed significantly to the development of mental health programs in rural New Hampshire, youth empowerment initiatives, and environmental sustainability efforts. She has also been involved in local government and civic organizations.

3. How did Brenda Falwell Atkinson impact New Hampshire?

Through her work in social services, Brenda Falwell Atkinson helped establish essential community outreach programs, promoted mental health awareness, and advocated for policies aimed at improving the quality of life for residents in rural New Hampshire.

4. What is the legacy of Brenda Falwell Atkinson?

The legacy of Brenda Falwell Atkinson lies in her unwavering commitment to community service, her advocacy for mental health, and her dedication to environmental preservation. She has inspired many individuals in New Hampshire and beyond to engage in public service and work toward positive change.

5. What motivated Brenda Falwell Atkinson to pursue a career in social work?

Brenda Falwell Atkinson was motivated by her desire to make a difference in the lives of others, particularly those who are marginalized or underserved. Her background and upbringing in New Hampshire taught her the value of compassion, community, and service to others.

Also Read This: The Life and Legacy of Brenda Falwell Atkinson: A Resilient Individual in the Heart of New Hampshire