gift advice

You could say that the law of diminishing returns applies to Christmas gifts as we age: As time goes on, we can use less and less material gifts. At a certain point, we accumulate so many possessions that when we say “I don’t need anything for Christmas,” we really mean it. So, rather than continue to fill your house (or someone else’s) with new objects, consider these gift ideas.

Refurbish Something Old

At a certain point in life, we might not need many new things – but we may have some old things we love that have been worn down over the years. Rather than replacing these possessions, which might have sentimental value, you can refurbish them and present them as gifts. Old instruments, jewelry, and watches are good candidates. Beloved t-shirts can be made into a quilt, and old pictures can be nicely framed and hung. Giving an old possession an upgrade can also be less expensive than replacing it.

Indoor and Outdoor Plants

For gifts that keep on giving, consider a tree, bush, flower garden, or indoor plant. These can enhance the beauty of one’s yard or home and benefit the environment as well. Buying the seeds for or planting a fruit tree or an herb garden for someone can be a gift they can enjoy year-round. You don’t necessarily have to wait to plant a tree because one of the best times to plant is during their dormant stage in early winter.


Rather than slowing down, many near-retirees and retirees speed up, taking advantage of their time and wealth to travel and explore interests. Even if some travel plans and activities are put on hold for now, there will be plenty of time for them in the future. Unlike things, experiences don’t take up room, and they can create lifelong memories with loved ones. Your retirement should be what you want it to be, and you may be looking for a new hobby or travel idea. Getting an experience as a gift can be a great first step.

We can take your lifestyle goals into account when creating a comprehensive retirement plan. Whether you want to give yourself the gift of an earlier retirement, travel, or create a legacy, we can help you. We offer no cost, no obligation financial reviews so that we can meet you to learn more about your retirement goals and concerns. A retirement plan could be the most useful gift you could give yourself this year – come talk to us!

Epstein & White Financial, LLC (“Epstein & White Financial”) is an SEC-registered investment adviser; however, such registration does not imply a certain level of skill or training and no inference to the contrary should be made. A copy of Epstein & White Financial’s current written disclosure statement discussing our advisory services and fees is available for review upon request or at & White Retirement Income Solutions, LLC (“Epstein & White Retirement”) is a licensed insurance agency with the State of California Department of Insurance (#0K53785). All investment advisory and financial planning services are provided only through Epstein & White Financial.

Information contained herein is for informational and illustrative purposes only and general in nature. It should not be considered investment advice or a recommendation to buy or sell any type of securities or insurance products and no investment decision should be made based solely on any information provided herein. We provide this information with the understanding that we are not engaged in rendering legal, accounting, or tax services. We recommend that all investors seek out the services of competent professionals in any of the aforementioned areas.

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