Media/Press Kit/Events

Media/Press Kit/Events

Press Release and Short Bio

About the Author

Questions and Answers with Tom Hardin

Here's an ad (for a workshop in the same publication)

Author says getting older means getting better (from the Daily Herald, June 8, 2005)

Rocking in the 'Fee' World (from The Daily Sun, January 6, 2006)

Book Review: 'Life After 50' sets out to prove it's never too late (from the Indianapolis Star, December 11, 2004)

Book Review: In the News: Rock'n and Roll'n At 80 (from The Zionsville Sentinel)

Book Review: Never Too Old to Rock and Roll Dispels Myths (from Indianapolis Prime Times, January 2005)

Reinventing Retirement

Media Contact Information

A quote from Money Magazine:

"Rather than thinking of income as a stream of interest coupons and dividend checks, focus on the total return from your investments, and reap your cash not just from periodic payments but also from strategic sales of stock and bond holdings. With this approach, says Tom Hardin, chief investment officer of Canterbury Financial Group in Indianapolis, you're holding bonds not so much to generate interest payments but to mitigate the ups and downs of your stock portfolioŚmuch as a properly diversified growth investor does."

-Excerpted from "Income Investing" by George Mannes, Money, 4/21/05. Click here to read the whole article.

Media Release

For more information contact:
Kim Hardin, Canterbury Group
Phone: 317.732.2075

Never Too Old to Rock and Roll Shatters Stereotypes About Aging and Retirement

Local expert outlines how life after 50 can be the best years yet.

INDIANAPOLIS 3/4 January 5, 2005

At a time when many experts are predicting the aging baby boomer generation could overwhelm the health care system and bankrupt Social Security, Never Too Old to Rock and Roll is hitting the shelves with a refreshing perspective on retirement.

Since the 1960s, baby boomers have created radical change. Whether it's voting rights or civil rights, relating to kids or in the workplace, baby boomers have approached life differently. According to author Tom Hardin, how this generation approaches retirement will also be different.

"Baby boomers are expected to live longer than any generation before them and they are realizing they have vast options when it comes to retirement,"Ł said Hardin. "As this generation considers how to approach retirement differently than their parents, Never Too Old to Rock and Roll is intended to help them achieve total wealth and abundance by revolutionizing retirement."

Available on and at, Never Too Old to Rock and Roll outlines how baby boomers can make life after 50 their best years yet by focusing on three crucial areas: a compelling vision of the future, the financial freedom to pursue their dreams, and a sense of health and vitality.

With an eye on the trends affecting today's aging population, Hardin offers guidance to baby boomers facing a retirement unlike their parents or grandparents. The possibility of creating a purposeful life requires visioning and planning with intention. Reading this book with a spirit of adventure will help the baby boom generation blaze the new trail of 21st-century retirement.

About the Author

Thomas L. Hardin, CMT, CFP, is the CEO and Chief Investment Officer of Canterbury Financial Group in Zionsville, Indiana. As Chief Investment Officer, he oversees all portfolio management and investment activity.

Hardin's career encompasses more than 28 years of diverse investment management, personal wealth management, and personal financial coaching. In addition to holding a bachelor's degree in business and certification in portfolio management, Hardin has also earned the following designations: Certified Financial Planner (CFP), Chartered Market Technician (CMT), and Chartered Retirement Planning Consultant (CRPC).

Hardin resides in Zionsville, Indiana, with his wife Kim.

Never Too Old to Rock and Roll is currently available for purchase online at

About Thomas L. Hardin

Thomas L. Hardin, CMT, CFP, is the CEO and Chief Investment Officer of Canterbury Investment Management. As Chief Investment Officer, he oversees all portfolio management and investment activity. His career encompasses more than 28 years of diverse investment management experience and 25 years in personal wealth management and personal financial coaching.

After earning a bachelor's degree with a major in business from Skidmore College in Saratoga Springs, New York, he received his certification in portfolio management from the renowned University of Chicago Graduate School of Business. In addition, he has earned the following designations: Certified Financial Planner (CFP), Chartered Market Technician (CMT), and Chartered Retirement Planning Consultant (CRPC). Hardin currently resides in Zionsville, Indiana, with his wife, Kim.

As an avid advocate of personal wealth management, Hardin is the author of several articles intended to help successful individuals achieve total wealth and abundance in all their forms. Personal wealth management, according to Hardin, integrates three crucial components: life vision coaching, customized investment management, and personal financial coaching.

Hardin's first book was released in the winter of 2004. Never Too Old to Rock and Roll shatters stereotypes about aging and showcases how baby boomers can make life after 50 their best years yet.

Questions and Answers with Thomas Hardin

Who is "the rock and roll generation" you describe in the book?

It's a term I coined for people born between 1937 and 1957. The rock and roll generation includes baby boomers and the group born just before them. Back in the 1950s and '60s, a few members of the older group led the countercultural revolution. They were the real trailblazers in areas like civil rights, feminism, voter reform - and rock and roll. When baby boomers jumped on the bandwagon and embraced those ideas, the revolution exploded. The same thing is happening today. As people from the older group are reaching their mid to late 60s, a few innovative thinkers are taking a radically different approach to aging. They're continuing to work beyond retirement. They're using part of their savings to turn hobbies into income producers, retrain for second careers, or start businesses of their own. These bold pioneers are forging a path for baby boomers to follow.

What makes you think life after 50 can be the best years yet? That's a pretty radical idea.

The rock and roll generation is different from any other. Unlike the previous generation, whose memories of the Great Depression and World War II left them worried about the future and world events, we rock and rollers have always been creative, optimistic, unafraid of change, and young at heart. We believe the best is yet to come. We're living a lifestyle we love and we don't want it to end. Rather than retiring to inactivity, we feel like kids out of high school - many opportunities are ours for the taking, and this time we have the wisdom, insight, intuition, and money to make our dreams come true.

What do we have to do to make life after 50 the best years yet?

Making life after 50 our best years yet won't happen automatically. To enjoy healthy longevity, we'll have to create the possibility for it to occur. We'll need to develop the physical, mental, spiritual, emotional - and yes, financial - readiness to face what many consider the retirement years. Since we're likely to live longer than we may have imagined, we may need or want to continue working beyond age 65. To do that, we'll need to be in good shape physically, financially, mentally, and emotionally. It may sound complex, but it comes down to focusing on three key areas: a compelling vision of our future life, a sense of health and vitality, and the financial freedom to pursue our interests.

What do you mean by a "compelling vision"?

My grandfather once told me, "Tommy, if I'd known I was going to live this long, I would have taken better care of myself." Like many people of his generation, he had no idea he would get so old and feel so bad. With the average life expectancy going from 47 to 75 in the last 100 years, old age probably took many people of his generation by surprise. We can't let that happen to us. By creating a compelling vision of our future lives, we can take steps now to make that vision possible. Of course, there are always those who say, "Why should I waste my time thinking about the future? I could get hit by a bus tomorrow." As a technical analyst, I look closely at probabilities. Statistically, it's highly unlikely that many of us will be hit by buses or killed in other calamitous ways. It's far more likely that we'll live to be at least 75, and perhaps much older. The real question isn't whether or not we'll be alive in the future, but how will we feel and what will we do when we get there? I don't know about you, but I don't want to end up like Grandpa Pratt, surprised to be alive and wishing I'd done things differently when I had the chance. Creating a compelling vision means taking time to vision about the future and put the wheels in motion to create some possibilities.

You refer to yourself as a personal wealth manager. What do you mean by that?

I define personal wealth management as the pursuit and management of wealth and abundance in all their forms. Your personal wealth involves more than just money and tangible items. It's about your relationships; health; knowledge; and rewarding, fulfilling experiences. When managed wisely, money and tangibles are the tools you can use to create freedom and the options to pursue true wealth. A personal wealth manager guides people through three critical areas: life vision coaching, customized investment management, and personal financial coaching.

What simple steps can we take in the areas of health and nutrition?

The rock and roll generation was the first group to embrace the concepts of exercise, good nutrition, and a healthy lifestyle. Taking advantage of all the opportunities available to us - like continuing to work or starting a new career, traveling, mentoring the younger generation, and enjoying the things we're passionate about - will be much more fun and enjoyable if we're in the best physical condition we can possibly achieve. The best way to do that is by applying my seven keys to the areas of health and nutrition.

What are the seven keys?

They're the same keys I practice in personal wealth management. By applying them to your health, finances, and other areas of life, you'll quickly discover how easy it is to maximize your wealth and live an abundant life.

Key #1: Take time to create a compelling vision. By creating a vision of your future life, you can take steps now to make that vision possible.

Key #2: Connect your vision to your values, passion, and purpose. Unless your vision is closely aligned with what you value most in life, sustaining and achieving your vision will be difficult to impossible.

Key #3: Educate yourself and find a great coach. If you want to learn something new or improve your existing skills, there's no substitute for a good coach. Before you can choose a coach, you need a basic understanding of the area in which you want to be coached.

Key #4: Formulate and implement a measurable plan. Plenty of people develop plans they never bother to implement.

Key #5: Monitor your progress and update the plan as needed. When a plan isn't working, a slight change here or there can make all the difference in the world.

Key #6: Enjoy your abundance. Don't take it for granted; enjoy and appreciate it every day.

Key #7: Leave a lasting legacy. Take time to think about the mark you want to leave upon the world.

What financial steps should we take to be ready for life after 50?

Many of us learned from the older generation that saving meant sacrifice. We may even have forgone some current consumption in exchange for a vague reward in the years ahead. However, as those years draw ever closer, it's apparent that many people in our generation haven't saved enough. If you're one of them, it's time to focus on your finances and develop new ways to become financially independent. It's time to get away from scarcity thinking and adopt a new attitude of abundance thinking. In other words, it's time to get serious about managing your money so you can use it as a tool to achieve total wealth and abundance in all areas of life.

You describe a new concept called life vision coaching. What is that?

The rock and roll generation is beginning to understand that life after 50 includes a number of transitions, each of which affects their personal finances. When people are coached through those transitions by a caring, competent advisor, they can begin to develop a much more functional relationship between their money and their lives. With a qualified coach to guide them through the process of creating, monitoring, and achieving their own compelling life vision, and helping them make sure they'll have the money to fund it, dealing with finances can be a rewarding experience.

Tom, a terrific suggestion in your book calls for developing a training mentality. Can you explain what that means?

Let's consider for a moment this concept of training and how it differs from exercise. World-class athletes don't just exercise, they train for their success. They discipline themselves to think healthy thoughts, eat properly, maintain their physical health, shape optimistic attitudes, and develop hidden potential. If you're just exercising, you can skip a workout or two, and it won't bother you at all. If you're in training, missing a workout sets you back from where you could have been in terms of improved strength, flexibility, and endurance. If you're just exercising, it's okay to skip the occasional meal or indulge in that sugary snack you crave. If you're in training, you know you need good nutrition to support your efforts in the gym, on the practice range, and on the course. Creating a training mentality is as easy as flipping a switch. You simply decide that you're in training for a long and healthy life. From that point forward, everything you do from an exercise perspective suddenly becomes more purposeful. With a training mentality, it becomes easy to prioritize and make small sacrifices to achieve your goals.

You recommend that we each become the CEO of our healthcare team. Why is that important?

Just as a corporation needs a CEO to take responsibility for the activities of the business and its employees, each of us must accept the ultimate responsibility for our health. Health care today is a multifaceted and rapidly evolving field. To further complicate matters, American society has become increasingly mobile, with people frequently changing jobs and moving to new communities. Gone are the days of having the same family physician throughout your life. When you change jobs, you generally change healthcare plans. When you relocate, you have to find a new doctor. Today, it's more important than ever to be knowledgeable about your health and take responsibility for your care.

In Never Too Old to Rock and Roll, you say it's time for the next revolution. How do you think that will come about?

I believe the rock and roll generation is about to change forever the way society views life after 50 and the way people age. Research indicates that many of us intend to remain active and financially self-sufficient by continuing to work during the "retirement" years. As our generation begins the move toward enjoying more leisure time, I think we'll see a number of variations on the old retirement theme. Taking a sabbatical during our 50s or 60s to rethink our lives may become a commonplace event. As increasing numbers of our generation decide to pursue similar options, I believe the marketplace will respond to our demand for courses, seminars, and other supportive materials to help us in our quest. I also believe many of us will "graduate" from our jobs or careers and move to our true calling in life. We may remain in a similar job role or field, but we'll focus on the areas we're most passionate about and diversify our interests.

Reinventing Retirement
by Thomas L. Hardin
Author of Never Too Old to Rock and Roll

If you're a baby boomer or a pre-boomer (born between 1937 and 1957), you're a member of what I like to call the rock and roll generation. Like me, you're about to become a second-generation retiree. Do you realize our parents were the first generation to embrace the concept of retirement? Before that, most people didn't live long enough to think about doing anything in their "later years." For many, there were no later years - as recently as 1900, the average life expectancy was only age 47.

We've come a long way in a very short time. What the older generation did with their lives after 50 is not very compelling to most of our generation. They grew up in the depression era and they generally had lower expectations, were very conservative, and didn't spend as much money as we do. They tended to work at jobs rather than careers, and giving up a job wasn't hard to do. In fact, it was pretty easy for them to "downsize" their lifestyle and live on a pension for their remaining years.

The rock and roll generation doesn't think that way. We're living a lifestyle we love and we don't want it to end. We don't ever want to be "over the hill." We believe that if we do things right, we can just keep getting better and living profitably for many years more than our parents imagined. Thanks to breakthroughs in science, medicine, nutrition, and technology, most of us will enjoy good health and strength for many years to come.

What will we do with all that time and energy? As the oldest members of our generation start to reach their mid to late 60s, a few innovative thinkers are taking a radically different approach to those years. So far, they're only a small percentage, but they're continuing to work beyond the age when they could realistically retire. They're using part of their savings to turn hobbies into income producers, retrain for second careers, or start businesses of their own. They're remaining active in their companies and communities by heading up boards of directors and providing valuable leadership based on their vast experience. These bold pioneers are forging a path for the rest of us to follow.

If you're interested in following their lead, here are a few ideas to get you started:

  • Eliminate any beliefs that make you think life after 65 is all downhill. Human creativity doesn't end at some arbitrary age. If you're savvy, you'll be able to choose the type and duration of the activities you pursue, not by your calendar age, but by your health, physical condition, personal disposition, desire, and a host of more important factors. Don't let limiting beliefs stop you from living to your full potential.
  • Take time to think! Take a sabbatical for a year or two in your 50s or early 60s to rethink your life and rediscover your purpose. Evaluate and envision your future. You might even want to go back to school full- or part-time and learn new skills or develop untapped passions.
  • Consider a variety of options. Remember the word semiretirement? You don't hear it very often, but it's a great alternative to the all-or-nothing approach of traditional retirement. Explore the options available to you for cutting back your work hours and spending more time doing the things you really love. Rather than losing their most experienced employees, a few innovative companies are letting people customize their work schedules to focus on areas they're most passionate about and in which they add the most value.
  • Think about starting a new career. Instead of retiring, how about using your knowledge, skills, and insights to become productive in exciting new ways? Many people in their 50s and 60s are starting second or third careers, pursuing their calling in life, or turning their hobbies into revenue sources.

You've heard the old saying: To get the same results as everyone else, do exactly what they did. If you want to age like many people of the older generation did, just follow their example - retire in your 60s, sit on the couch and watch TV, go to the same restaurant every week for the early bird special, and take vacations to the same place every year. That may have worked for them, but if you want a different lifestyle, you'll have to do something different. Make a radical change. Join the revolution. Together, we rock and rollers will reinvent retirement!