After spending a career as a weapons engineer, one of Jeff Runyan's clients was ready to live out his retirement adventure. He and his wife bought a sailboat and planned to spend their time as expats sailing the seven seas.

A year and a half in, however, Runyan, a Los Angeles-based independent advisor with Wedbush, got some unexpected news on Skype—they were cutting the journey short. It was not a medical emergency or sudden family crisis that sent them back home. It was boredom. After days spent fixing equipment, waiting out bad weather or waiting to find fresh food, the engineer and his wife realized that their dream of retiring on the high seas was turning out to be pretty dull.

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