Sunset-Laguna-Beach-Calif When you're ready to ride off into the sunset, do you have an exit strategy? (Photo: R. Donlon)

I'm writing this on my birthday as I watch the ocean in Laguna Beach, Calif. (It's a tough job, but someone has to do it!) It's a nice break from the winter weather back home in Connecticut.

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Rosalie Donlon

Rosalie Donlon is the editor in chief of ALM's insurance and tax publications, including NU Property & Casualty magazine and NU You can contact her at [email protected].