Archive for Retirement Income

Looking for a tax deduction before the end of the year?

As the year is beginning to end and tax time looms large in the near future, I just wanted to share the tax benefit of owning your own business in case you want to join our team with Dr. Christiane Northrup.

You can deduct the following:

All your start-up costs – for us it ranges from $300-$700

Business expenses like product give-aways, promotion, supplies, travel

*Also contact your tax professional for more possible deductions


Here’s what Sandy Botkin CPA, former IRS tax attorney says:

“Every north American taxpayer who works a full-time job and does not have a side business is probably overpaying taxes to the tune of $3000 to $9000 a year.”

So what do you think?  Is the time right for you to join us?  Please email back and we can set up a time to discuss this opportunity.  Would love to have you be a part of Dr. Northrup’s global wellness movement!

Just to refresh your memory, here are all the benefits of joining our WellPro wellness team who works in conjunction with Team Northrup.

  1. Exclusive access to WellPro International Wellness Coaching Certification* a clear and practical system to develop your coaching skills to apply directly to your Wellness Business (Priceless)
  2. The Igniting Prosperity Training – An 8-module online (self paced) course that will give you everything you need to know to activate your new wellness business. ($1500 value)
  3. Weekly WellPRO International Business Support – A weekly call with Dr. Karen Wolfe, Dr. Deb Kern and featured team leaders offering business coaching, updates and group trainings. ($500 value)
  4. Turn-Key Business System – Your own professional business management system. It’s like having a personal assistant for real time reports, progress charts & graphs, recognition and client support. (Priceless -Imagine hiring an assistant for these items!)
  5. The WellPRO International Business Workbook – Get started right with your blueprint for sustainable success. ($200 value)
  6. Exclusive membership in our WellPRO International and Team Northrup Facebook communities to connect with our incredible team, get your questions answered, and stay up-to-date on new announcements. (Priceless)
  7. The Sugar Buster Program – A Step by Step weight-loss/lifestyle program without deprivation and starvation. Learn how to increase your energy, improve your immune health, and achieve lasting lifestyle change. Shopping list, email support, recipes, stress reduction, exercise, meditation, low glycemic cooking, self-care tips and resources to continue on with your healthy lifestyle.
  8. Exclusive use of Clear The Way Program – An online program that guides your clients as they follow a specific nutritional protocol to enhance their digestion and support their body’s detoxification.
  9. A personalized, signed copy of Dr. Karen Wolfe’s book Is Your Lifestyle Killing You? + audiobook Medicine from the Inside Out ($50 value)
  10. The e-book of Create the Body Your Soul Desires: The Friendship Solution to Weight, Energy and Sexuality by Dr. Karen Wolfe and Deborah Kern. At last a soulful guide to the weight issue that is long overdue. This book puts you back in the driver seat of your life. It is a guidebook for you to live a conscious and fulfilling life. ($25 value)
  11. 21 Day Online Mentor Mastermind Program – Go step by step to build your business with Dr. Karen’s simple daily action strategy. ($1000 value)
  12. Online Media Center where you get an exclusive, behind-the-scenes peek at how the top wellness business builders in have grown their wellness businesses ($500 value)
  13. Unlimited access to our training call archives with new sessions being added weekly. ($1000 value)
  14. A free ticket to next the annual international conference when you join with the WellPRO Entrepreneurial business pack. ($450 value)
  15. Your own customizable, personal online nutrition store and customer website free for a year including your own fully integrated shopping cart. ($1540 value)
  16. A cutting edge and completely customizable business HUB with professional presentation tools, team management software, calendar, tax tracking software, and more. ($240 value)
  17. You’ll be part of The WellPRO International team, an extensive, international community of like-minded professionals dedicated to wellness in conjunction with Dr. Christiane Northrup. (Priceless)
  18. Access to the leading, highest quality nutritional products in the world from USANA Health Sciences at a 20% discount (Priceless – you can’t put a price tag on your health)
  19. Access to In-Person Mastermind Gatherings – Connect, get inspired and gather as a community of like-hearted wellness professionals. (priceless)
  20. A proven, duplicable system for growing residual income in your wellness business and improve your financial and physical health. (Priceless)


So what do you think about joining before December 31?  As Penny Northrup Kirk (Dr. Northrup’s sister) says:  What would your life be like in 5 years if you continue doing what you are doing right now?  Isn’t it time to take action toward creating the life you are meant to live?

Let’s talk!  When is a good time for a call before Christmas.  Let me know by clicking below.

Connect with Carol

Be well on your wellness journey.

Thanks.  Carol

Announcing a New Breakthrough in Nutritional Science

I’m just back from the “excitement and high” of the USANA International Convention last week in Salt Lake. What I love about being partnered with this company is they never cease to amaze me with their scientific advances and innovative products toward the goal of keeping us as healthy as possible.

USANA made an announcement this week at convention that’s changed the game for the nutritional industry and our business.

I wanted to make sure to let you know about it ASAP, which is why I’m hurrying to get this out this week!

They just revealed the next generation of nutritional science and cutting edge products, and IT’S LIKE DAY ONE in terms of the opportunity and possibility for this company and the people who partner with us.

So what’s the big announcement? It’s a patent-pending technology called InCelligence that uses cell signaling to tap into our bodies’ innate wisdom to nourish, protect, and renew our cells.

The two things that stuck out for me the most about what this means are:

1. It tells your body to make more antioxidants. The antioxidants your body makes are 100x more powerful at fighting free radicals than the antioxidants you eat. The InCelligence technology signals your cells to make more of their own so that more free radicals are neutralized, and the body doesn’t break down as quickly.

2. It tells your cells to renew their aging mitochondria. The mitochondria are where all of the energy is made. When mitochondria age they make less energy (ATP) and more free radicals. The InCelligence technology signals the cell to repair and renew the mitochondria so they can go back to making more energy!

To learn more about how InCelligence works in our flagship product called CellSentials, (multi-vitamin/multi-mineral) click to watch the video.

USANA is the only company whose products nourish, protect, and renew the cells of our bodies. Other companies do one or two of these things. Only USANA does all three, now with InCelligence.

If you want to become part of the exclusive community of wellness entrepreneurs spreading the word about these cutting edge products and helping to fulfill the vision of freeing the world of pain and suffering caused by degenerative disease,  click here to connect with me.

Connect with Carol

If you want to try products first, you can become a Preferred Customer for free and get them at a discount, let me know when you connect with me!

There has literally never been a better time to start a USANA business. This new InCelligence technology is the future of nutritional science, and USANA is the only one doing it.

If you have any questions, please call or email me.  I’m really looking forward to working with you as part of our community changing the face of health and business globally with USANA as our partner!

Be well on your wellness journey!



3 Cravings you must have in the New Year

3 Cravings you must have in the New Year

  1. Craving to meet new like-minded people and expand your circle of friends
  2. Craving to make a difference in other people’s lives
  3. Craving to get healthier yourself

Now if that sounds like something you can commit to, and you don’t mind taking the time and energy to make that happen, then you are in the right place right now.  Of course if this is not your desire, you may stop reading now, but I do wish you a very happy and healthy new year!

For the rest of you, want to learn more?  Read on.

As I ended my career in the corporate world and branched out on my own,  I realized I still had more to offer and craved these 3 things.  I never saw myself retired so I knew I had to create a new path for myself that would still be fulfilling personally but would also allow me to continue making a difference in the health and wellness of others.  The path I chose fell into place because I was OPEN TO POSSIBILITIES  and was WILLING TO TAKE CALCULATED RISKS.

If you are at such a crossroads as this, then I have 8-STEPS  that moved me forward into a place of new challenges, renewed energy, exciting possibilities, more relationships and support than at any other time in my life, more fun and travel, better health (I thought I was super healthy, but found out I could do even better) and even opened a path to financial security (that was a bonus!)  Believe me this was a welcome surprise to me at this time in my career and I felt rejuvenated and ready to tackle a NEW BEGINNING in life.  So are you ready for a new beginning this NEW YEAR  too?

Click below to request a FREE download of my 8-STEP PLAN FOR A NEW BEGINNING.

My New Year GIFT TO YOU!

Then  connect with me for a FREE CONSULT to discuss your thoughts.

Remember, making a commitment to one other person means you have taken the best first step toward making a change in your life.  Welcome to my world!!


Be Well!



Community builds immunity – and maybe your bottom line too!!

How much value do you place on being with friends, family and co-workers? Probably alot, but did you know that it can improve your health as well?  I remember when I could count the number of friends I had on one hand, and now I need at least 10 hands when I add them all up.  A big change for me and I am definitely happier and healthier as well.  So what is this all about?
You are invited!
Dr. Christiane Northrup knows and will be sharing her wisdom and the science on an upcoming conference call that I would like to invite you to.
Tuesday, October 20th 2015
8:00pm – 8:30pm ET
It is a well-known fact that the company we keep influences our well-being, and research shows that the more varied the groups to which we belong are directly reflected in healthier immune system functions.
Have you also heard this – ‘your network is your net worth?’ These ideas serve to reinforce the notion that belonging to multiple and varied communities serves to boost not only your health and but also your finances, and undoubtedly your sense of well-being along the way!
Join leading women’s health expert Dr. Christiane Northrup with her sister Penny Northrup Kirk for an intimate, 30-minute call, to find out how this has been true in their lives and the people they know!

Team Northrup Business Opportunity Call
Tuesday, October 20th 2015
8:30pm – 9:00pm ET

Immediately following the telegathering, join Team Northrup leaders, Dr. Deborah Kern and Karen Wolfe as they teach you how to harness the power of the health-wealth connection with Team Northrup and our product partner, USANA.
This thirty-minute call will give you an overview of our clinically tested and proven products, how to earn residual income with Team Northrup, and how we use personal growth as a business building strategy in a supportive community.


Just click here to register
(remember it’s FREE) and I will send you the call-in numbers.
What if this information was just what you need right now to improve your life and your health!  Don’t miss out.

Your 10 Step Guide to a Rockin’ New Year

Are You In a Position of  a Lifestyle Transition?

The word TRANSITION means the passage from one form, state, style, or place to another – CHANGE!  Some of you are cringing thinking about change, but others are thinking – BRING IT ON!  How many transitions are you experiencing right now?  From holiday over-eating to New Year reckonings about weight?  From worrying about money to wondering what else you could do to increase your income?  From working in a job that is not a fit for you to wondering what else you could be doing? From leaving the workforce to enter the world of retirement and not knowing how to adjust? Transitions are everywhere at any time and can be perceived as negative or positive.  I prefer the latter and have some thoughts to consider.

T – Trust your instincts.  Rather than be caught off guard when things change, take the high road and note what your gut is telling you about what it going on. Keep in mind the change you are experiencing might be just what you have been secretly wanting!

R – Reset your eating and exercise program.  Have you been stuck and know you want to get healthier but not sure how to make the first move? Is sugar standing in the way of you losing weight and being more active?  I’m sure you have dealt with this before, so reflect on what helped you be successful in the past and recreate those steps. Check out his video of how I was able to conquer my sugar cravings and lose weight too.

A – Adjust your thinking from I CAN’T  to  I CAN.  See yourself healthy, happy and whole.  Send time every day imagining yourself being your best and being grateful for all that you are and have.  Hang up pictures to visually represent what your goals look like so you can start living in that body even before you get there. Click here if you would like to be inspired by Karen Drucker’s inspirational song I Am So Blessed .  Love her!

N – Notice what you need right now. Go outside right now for a walk.  Yes – right now!  By yourself!  Take a notepad and pen along because great ideas are sure to surface while you are walking and you may want to write them down before you lose them.  Focus as you walk on what you really need right now to move forward thru this transition. This will be your starting point.

S – Set goals in alignment with your values to create the life you love.  There are plenty of people teaching how to set goals in the world, but have you ever taken the time to really ask yourself what you want? Yes, you know what your mother wants for you, what your kids want, what your partner wants, and what you “should” want.  But what do you really want?  Write down 3 dreams you have for a more complete life and post it where you can ponder it.  Start planting those seeds in your thoughts and they will begin to sprout.

I – Integrate all your skills into a single focus.  By now you have probably acquired a lot of great life and work skills that make you the fantastic talented person you are.  During this transition, you might find that it is time to put them all to good use and see what emerges.  Write down a list of everything you are great at – write until you can’t think of anything else – at least 30 things.  Now send this list to your closest friends and ask them what kind of role or position this skill set reminds them of.  Maybe they will be able to help you realize what you are meant to do, even if you can’t figure it out.  Sounds like a fun exercise, doesn’t it?

T – Train yourself for new skills.  After I had acquired all the skills I thought I needed in life, I opened up myself to what might be next for me – the key – being open to possibilities.  What showed up for me was “wellness coaching”, or some people call it “life coaching”.  When I was searching for “what’s next for me”, a friend coached me and after just 2 sessions, I had a new direction, a plan, and I was on my way again.  I loved the experience so much, I was trained to be a coach as well as a coach trainer.  If this idea is attractive to you, check out for a FREE download to get yourself started.

I – Invite new opportunities.  When I was transitioning out of the workforce and into my own independent wellness business, I needed to figure out how to earn money while still doing the work I am passionate about.  Because I remained open to new ideas, I was presented with a way to help people get healthy as well as make passive income that could grow over time and secure a prosperous retirement income for me.  What’s not to love about that!  The key was to stay open to new ideas and give them a chance to see if they could work for you. Check out my website at to learn about what’s working for me.

O – Own up to what is best for you. Not sure what direction to take as you transition?  Your guide should be how you “feel” about what you decide to do.  As they say, if it feels right – do it?  I love the “emotional guidance system” as a great tool to use from the work of Abraham and Esther and Jerry Hicks in their book Ask and It Is Given

N – Now is the time to reinvent yourself.  I wrote a whole chapter on this in the book Wise Women Speak – Choosing Stepping Stones Along the Path.  My gift to you is a FREE download of this chapter by logging on to my website

Enjoy the process of your transition.  Remember, it’s about the journey not the destination.

Fun times ahead!


Freeing Yourself from the Status Quo

There was a time when I would “stick with it” because it was the thing to do. You know – “don’t rock the boat” –  “behave yourself” – “don’t draw attention to yourself”. All that did was keep me stuck and confined to living a “safe” life but maybe not an exciting and fulfilling life. I especially notice this happening to my age group who may be “sticking” with a job that no longer works for them, but keeps them safe with a paycheck and benefits. But how happy are they, and what kind of life are they living?

I experienced this myself when I thought I could stick it out for the paycheck and benefits. I actually remember saying that to myself – you can do your last 5 years standing on your head. Well I couldn’t. I ended up not being true to myself and what my needs were and my body and mind took a hit to the point that I finally had to quit to regain my health. Isn’t it interesting that “misery” can make you sick?

 So what is it that keeps us stuck?

Here’s my list.

Fear – I’ve always played by the rules and I might fail if I go out on my own

Complacency – quitting my job would make my life scary and uncomfortable

Perceived Financial security – I made enough money working for a boss so why quit (even tho I was miserable)

No risk takers as role models – I didn’t know what it was like to take a risk so didn’t know what to expect

Friends and family weren’t supportive – they might ridicule me for giving up a paying job

Good news! I was able to overcome all of those obstacles – because I got sick and tired of being sick and tired – and have come out on the other side as a successful business woman. I was able to overcome the Status Quo and broke thru to experience joy and fulfillment in my work once more. So it can be done.

 Now what about you?

What things in your life keep you in the status quo?

What are you waiting for?

Are you willing to take a baby step toward lessening the fear of change to enable you to move forward with your dreams?

As a member of Team Northrup, I have a gift for you from Dr. Christiane Northrup. Listen to this recording and find out what she has to say about what “unconscious slavery” might be holding you back from the life you were meant to live.

Click here to listen and ENJOY!

 Be well on your journey!



How to make $1000 per month “extra” in Retirement


Taking a “cut in pay” when you retire is a hard pill to swallow and not ideal if you want to spend your newly found free time traveling to visit your grandkids or go to exotic places you’ve only dreamed of. Well I have a solution and it is working great for me right now.  Because you have a nursing background (like me) and are a “wellness seeker” (like me) you know that not having enough money can be very stressful and that is not what you want to deal with in retirement.

So I have a solution for you! I am a WellPro Partner and WE EARN – as WE LEARN – while WE HELP others get healthy – IN OUR FREE TIME. It’s perfect for who we are.

Our WellPro partners earn great cash.

I can attest to that because it has been my retirement income for the past few years and it keeps growing as I continue to learn and have fun doing it. Our team has been so successful—because we really believe in what we do! It’s very common that our partners start earning an extra $100 per month in their first few months of business. It’s also not uncommon for a dedicated WellPro Partner (like me) to produce 5 figures after their first two years of business.  I did!

It takes work – but you know how to do that!

Don’t get me wrong, it takes work. This isn’t a get-rich-quick-scheme.  But building your own business and creating long-term, sustained residual income will open a world of possibility that most could have never imagined.

We always ask our partners:

What have you been able to do as a WellPro Partner that you never could have dreamed of in the past?

 The answers range, of course. Some are able to finally retire and have extra money to carry them forward, travel whenever they want, put extra income down on their mortgage, upgrade their car, help their parents retire, save for a rainy day, or splurge to go to a high-end health spa and healing center in Mexico – like I did!

 So I’d like to take a moment to ask you:

What would you do with an extra $1000 per month? Or more?  And, how hard would you work to get there?

Click here to check out  this world of possibility!  

Be sure to click on the “Who We Are” tab to meet Dr. Deb and Dr. Karen – you will love them!!


Be well on your journey!





Help me and I will help you!!

After struggling with at least two versions of having a web-presence over the last 10 years and neither being exactly what I wanted, I finally found the right person who could bring me alive online.  And after months of prep work, writing copy that reflects my personality, creating a home-studio and making videos that hold your attention, getting photos taken that are fun, the finished product is finally here!

Drum roll – – –

I’m excited to share my brand new website focused on nurses who are retiring!  (Just like me)  Is that you? Ready to ROCK OUT in your Retirement?

But first, listen up

I have such a deal for you – if you can help me with feedback on what you think of my new site, I will help you.  All you have to do is review my new website and answer 8 simple questions.  Once you have completed this, I will schedule a FREE 45 minute coaching call to help you get started on your own Rockin’ Retirement. 

That’s a $150 value all for FREE. 


But first – here are the questions you need to answer.  Just by reviewing the site you should find the answers very quickly.

  1. Where can I find Carol’s story of how she shifted from nursing care to wellness?
  2. What is my first step toward a “healthy” retirement?
  3. What is a simple way to regain the energy I need to rock my retirement?
  4. How can I jumpstart my health with a plan I can do on my own?
  5. How can I make health a priority for the rest of my life so I can live as long as possible?
  6. Where can I go to really experience what true healthy living is all about?
  7. How can I make extra money doing what I want and when I want without reporting to a boss?
  8. Where can I find a wellness coach with a nursing background to help me sort out my next phase of life?

Now – Just click here to access my website and find the answers.

Notice when you start your review, there is another FREE resource for you to help you get started on your new life!

Once you answer these questions, click here and fill out the form including your feedback and I will be in touch with you to schedule your FREE 45 minute Retirement Coaching Call.

Thanks so much for your help!

Be well on your retirement journey!