The golden years of retirement are what people look most toward after years of toiling at work. However, as author and reverse mortgage specialist James Blythe explains in his new advice book, Challenges of Change, it is important for seniors to be proactive in personal finances right now. A certified senior advisor, James has been involved for years in helping people of all ages with budgeting for finances, but has a soft spot for seniors struggling with social security and unprepared financially for the future. His book compiles real-life stories of senior clients he's meet through his Texas-based services who needed his help when unforeseen changes happened: death of spouse, need for wills and powers of attorney, in debt, etc. James also discusses the need to be living a healthy quality of life, both mentally and physically, so you can be alive to plan and enjoy the retirement you want.