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Combatting Loneliness in Retirement: A Guide for Washington State Employees

5/29/2025

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After decades of serving the public in Washington State, retirement offers well-deserved freedom. Yet for many DRS members, the transition from a workplace filled with daily interactions to more unstructured days can lead to unexpected isolation.
About 43% of adults over 60 report feeling lonely regularly¹, and the impact on both mental and physical health can be significant. As you prepare for retirement from the public sector, understanding how to maintain and build meaningful connections deserves as much attention as your financial planning.
Core Principles for Preventing Loneliness in Retirement
  1. Proactive relationship building: Social connections require intentional cultivation, especially after leaving the workplace where relationships often develop naturally².
  2. Purpose drives fulfillment: Meaningful activities that connect you with others and provide a sense of contribution are strongly linked to retirement satisfaction³.
  3. Community engagement matters: Washington State offers unique opportunities for retirees through programs like the Retired Public Employees Council (RPEC) that provide both social connection and continued engagement with state issues⁴.
  4. Health and social wellbeing are interconnected: Research shows that maintaining strong social ties reduces the risk of depression by 30% and may reduce cognitive decline by up to 50%⁵.
  5. Digital connections complement in-person relationships: While technology cannot replace face-to-face interaction, it offers valuable ways to maintain connections, especially given Washington's geography with both urban centers and remote communities⁶.
Your 5-Step Strategy for Building a Connected Retirement
1. Plan Your Social Transition Before Your Last Day
The months before retirement are crucial for establishing your social network beyond work. Too many public employees wait until after retirement to think about their social connections.
Steps to take before retirement:
  • Identify colleagues you want to maintain relationships with beyond work
  • Exchange personal contact information and schedule the first post-retirement gathering
  • Research and join retiree groups like the Washington State School Retirees' Association or RPEC⁴
  • Attend pre-retirement workshops focused on the social aspects of retirement (DRS offers these quarterly)
2. Reimagine Your Identity Beyond Your Career
For many public servants, work identity becomes deeply entwined with personal identity. Retirement requires finding new ways to define yourself.
Ways to develop post-career identity:
  • List your values and interests separate from your professional role
  • Explore activities you've always wanted to try but never had time for
  • Consider how your skills from public service could transfer to volunteer roles
  • Join groups based on interests rather than profession
3. Create Structure With Social Components
Unstructured time can lead to isolation. Creating routines that naturally include interaction with others provides both purpose and connection.
Ideas for social structure:
  • Join a regular fitness class at your local community center (Washington State employees get discounted rates at many community centers)⁷
  • Volunteer on a consistent schedule (Washington's RSVP program specifically connects retirees with volunteer opportunities)⁸
  • Take multi-week classes at community colleges (tuition-free for residents over 60 at many Washington State institutions)⁹
  • Participate in regular community events like farmers markets or neighborhood meetings
4. Leverage Technology Thoughtfully
Digital tools can help maintain and build connections, especially important in Washington State where weather and geography can sometimes limit in-person gatherings.
Effective ways to use technology:
  • Schedule regular video calls with family and friends who live at a distance
  • Join online communities related to your interests (Washington State has numerous regional online groups)
  • Use apps designed for social connection like Meetup to find local events
  • Consider taking a technology class specifically for seniors at your local library
5. Prioritize Physical Wellbeing as a Foundation for Social Health
Physical health limitations can become barriers to social engagement. Maintaining your health supports your ability to stay connected.
Key health habits that support social connection:
  • Maintain mobility through regular exercise (Washington State Parks offer free entrance days for seniors)¹⁰
  • Address hearing or vision issues promptly as they can lead to social withdrawal
  • Establish regular sleep patterns, which affect both energy and mood
  • Consider transportation options for when driving might become difficult (King County offers reduced senior fares on public transportation)¹¹
Alternative Approaches: Three Pathways to Connection
The Mentor Approach
Some retirees find fulfillment by sharing their professional expertise. Washington's Retired and Senior Volunteer Program can connect you with opportunities to mentor younger professionals or students. This approach works well for those who derived significant satisfaction from their professional identity.
The Explorer Approach
Other retirees prefer to develop entirely new interests and social circles. Organizations like Washington State University's Extension programs offer classes and workshops in everything from master gardening to financial literacy, providing structured ways to develop new skills alongside others.
The Community Builder Approach
Some find meaning in addressing community needs. Serving on local boards, participating in community planning, or volunteering for civic organizations allows you to continue contributing to public good while building relationships with diverse community members.
Your Action Plan
  1. Three months before retirement, identify and join at least one organization or group related to your interests.
  2. During your first month of retirement, establish a weekly schedule that includes at least three activities involving other people.
  3. Schedule regular check-ins with former colleagues for the first six months after retirement.
  4. Within six months, identify a new skill you want to learn in a group setting and enroll in a related class or workshop.
  5. By your one-year retirement anniversary, evaluate your social connections and identify any gaps you want to address.
Remember that combating loneliness requires both planning and flexibility. Your approach should align with your personality and interests, and may evolve over time. Many financial advisors can help with both the financial and social aspects of retirement planning.
Sources and Resources
  1. National Institute on Aging - Social isolation and loneliness in older people
  2. Journal of Gerontology - Social Relationships and Health in Later Life
  3. American Psychological Association - Finding meaning in retirement
  4. Retired Public Employees Council of Washington
  5. Centers for Disease Control - The Health Benefits of Social Connection
  6. AARP - Technology Use Among Older Adults
  7. Washington State Recreation & Conservation Office
  8. Washington State RSVP Program
  9. Washington State Board for Community and Technical Colleges - Senior Citizen Tuition Waivers
  10. Washington State Parks - Senior Citizen Passes
  11. King County Metro - ORCA LIFT and Senior Fares​

-Seth Deal

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    Authors

    Bob Deal is a CPA with over 30 years of experience and been a financial planner for  25 years.

    Seth Deal is a CPA and financial advisor.

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    ​LifeFocus Financial Advisors, LLC
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    Walla Walla, WA  99362
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