When facing challenges on her job,  Annette Lavigne had to think  about her plans to continue working or retire, she decided it was time to open a new door. Through her years of being a Toastmaster, Annette knew she had many skills to help her move forward. 
One thing she knew for sure. She wasn't ready for retirement.
With the help of others, Annette decided to take the necessary courses to move to a new industry...one of great interest to her. She studied and with working at her own pace, she passed the requirements to become a Mortgage Agent.
She says that maybe you won't want to become what she has become, but to know that making changes even as you enter the senior years is very doable.