Page 6 - Jupiter West - July '23

Page 6, Jupiter West
Financial Focus ®

Biggest Threats To A won’t be included in your income. This could help Edward Jones is a licensed insurance producer in all states

Comfortable Retirement? keep your income below certain levels, lower your and Washington, D.C., through Edward D. Jones & Co., L.P.,
Medicare premiums or avoid the 3.8 percent surtax on
and in California, New Mexico and Massachusetts through
net investment income that can be assessed on high-net- Edward Jones Insurance Agency of California, L.L.C.;
By Sally Sima Stahl worth taxpayers. Edward Jones Insurance Agency of New Mexico, L.L.C.; and
If you save and invest Retirement can be a pleasant time in your life — and Edward Jones Insurance Agency of Massachusetts, L.L.C.
for decades, you’d like you’ll enjoy it more if you’re prepared for the challenges Edward Jones, its employees and financial advisors
to know you can retire that face all retirees. cannot provide tax advice. You should consult your qualified
without financial worries. This article was written by Edward Jones for use by tax advisor regarding your situation.
Nonetheless, you still have to your local Edward Jones Financial Advisor, Edward Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
be aware of some threats to Jones, Member SIPC. 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
a comfortable retirement —
and how to respond to them. The Pet Cottage Post
These threats include:
• Inflation – Inflation
has been high recently, The Pet Cottage is a 501(c)(3)
but even a mild inflation rate can seriously erode your nonprofit located in Jupiter Farms
purchasing power. In fact, with just a 3 percent inflation that celebrates and protects the
rate, your expenses could double in about 25 years — and magical relationship between
your retirement could easily last that long. So, if you’re people and pets. We provide
going to rely on your investment portfolio for a sizable homestyle care for pets who
part of your retirement income, you will need to own a lose their humans due to death,
reasonable number of growth-oriented investments, such disability, or deployment.
as stocks or stock-based funds, whose potential returns Through our two unique programs
can equal or exceed the inflation rate. – The Sanctuary Residency Program and The Lifelong
• Excessive withdrawals – Once you retire, you Guardianship Program – we promise our pets will always
should establish a withdrawal rate for your portfolio — an have the home, care and love they deserve – for life.
amount you can take out each year and still feel secure We provide pet companionship for senior people and
that you won’t run out of money. Some people make cover all veterinary expenses. We are a promise and our
the mistake of withdrawing too much, too soon, once promise means forever. You are invited to join our pack!
they’re retired. Your withdrawal rate should be based on Happy Tails Max and Sharron Markovitz with B.J. and Dottie
several factors, including your age at retirement, the size Grover, a bearded collie
of your portfolio and the amount of income you receive mix, came to us when his mom
from other sources, such as Social Security. A financial unexpectedly passed away. He
professional can help you determine a withdrawal rate was well-loved and beyond
that’s appropriate for your needs. spoiled. His mom’s friends
• Market volatility – The financial markets will always rallied around Grover and
fluctuate. When you’re still working, this volatility may secured him a spot as a sanctuary resident. They continue to
not be such a problem, as you have years or decades to support his ongoing care as members of our Forever Protector
recover from short-term downturns. But when you retire, Program.
you don’t want to have to sell investments when their As a Forever Protector, you
price is down. To help prevent this, you can tap into the get to choose a sanctuary resident
cash in your portfolio, assuming you have enough to cover to sponsor with a monthly
several months’ worth of living expenses. You could also donation. And in return, we
draw on a CD “ladder” — a group of CDs that mature at send you exclusive pet photos,
different times — to provide you with resources for the behind-the-scenes insider news, Michelle DeMeritt with Sally Donna Wexler with Abby
next few years and allow your equity investments time and branded swag.
to recover their value. Because the majority of to meet the needs of the
• Unexpected costs – You had them when you were our pets are seniors, they need pets and people in our care.
working, and you’ll probably have them when you’re extra care. Please reach out with any
retired: the furnace that breaks down, the car that needs For example, last October, leads.
a major repair, and so on. But if you’ve established an Grover, who is 16 years old Become A Pet Cottage
emergency fund containing a year’s worth of living now, suddenly lost control of Superhero
expenses, with the money kept in a liquid account, you his legs and couldn’t walk. We were so worried and we We cannot support
may be able to “ride out” these costs without jeopardizing thought his time might be near. Thankfully, our vet team homeless pets and senior
your investment portfolio. Be sure to keep these reserves suggested a weekly pentosane injection and Grover is now people without community
separate from your typical day-to-day accounts to avoid back up and running around! A true miracle! members like you. Our
the temptation of spending your emergency money. In addition to this injection, Grover is on three other signature promise – that
• Health – Retirees may face more health concerns medications. His monthly medication expense is over $200. pets who lose their humans
than younger people, and those concerns often come Will you consider becoming a Forever Protector and due to death, disability,
with larger medical bills. That’s why it’s important to keeping pets like Grover healthy and happy? Learn more or deployment will have Judy Wilgar with Lucy
maximize the benefits from Medicare or your Medicare and join us at our website. homestyle care for life –
Advantage plan. Also, if you contributed to a Health Forever Sanctuary Needed requires significant financial resources. In April alone, our
Savings Account (HSA) while you were working, and you Can you help us find our next forever home? Our lease on pets required over $4,000 of vet care. Will you consider
haven’t depleted it, you can use the money in retirement. our current sanctuary property is set to end soon. We need making a donation and being a pet superhero?
As long as the HSA funds are used for qualified medical a new and fabulous property to call our own. Our dream is The Pet Cottage can be contacted at (561) 818-5025 or
expenses, withdrawals are tax- and penalty-free, and acreage in Jupiter Farms with a main house and outbuildings www.thepetcottage.org.

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