THE EQUINE 401(K)
“Smokey’s slowing down,” my client tells me. “I just don’t understand it; he’s only 25. Last year we rode mountain trails all summer long and he never missed a beat.”
“You’re really lucky!” I respond. “Smokey is the equivalent of an 80-year-old man. Imagine taking your grandpa on a long mountain hike! I’m sure you’ve been building up your 401(k) and have your own retirement plans in place. Have you thought about a plan for your horse as he grows older?”
Believe it or not, this is a common conversation. And while a rare 80-year-old man is still running marathons, most have slowed down—at least a little bit. The same is true for horses. While a rare 25-plus-year-old horse is still out there competing or doing hard mountain rides, most have turned it down a notch—either fulfilling a less demanding job or
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