Page 8 - Jupiter Ocean Mile - July '23

Page 8, Jupiter Ocean Mile
Financial Focus ®

Biggest Threats To A too much, too soon, once they’re retired. Your withdrawal medical bills. That’s why it’s important to maximize the
benefits from Medicare or your Medicare Advantage plan.
rate should be based on several factors, including your age at
Comfortable Retirement? retirement, the size of your portfolio and the amount of income Also, if you contributed to a Health Savings Account (HSA)
you receive from other sources, such as Social Security. A while you were working, and you haven’t depleted it, you
By Sally Sima Stahl financial professional can help you determine a withdrawal rate can use the money in retirement. As long as the HSA funds
If you save and invest that’s appropriate for your needs. are used for qualified medical expenses, withdrawals are
for decades, you’d like to • Market volatility – The financial markets will always tax- and penalty-free, and won’t be included in your income.
know you can retire without fluctuate. When you’re still working, this volatility may not This could help keep your income below certain levels,
financial worries. Nonetheless, be such a problem, as you have years or decades to recover lower your Medicare premiums or avoid the 3.8 percent
you still have to be aware of from short-term downturns. But when you retire, you don’t surtax on net investment income that can be assessed on
some threats to a comfortable want to have to sell investments when their price is down. To high-net-worth taxpayers.
retirement — and how to help prevent this, you can tap into the cash in your portfolio, Retirement can be a pleasant time in your life — and
respond to them. assuming you have enough to cover several months’ worth of you’ll enjoy it more if you’re prepared for the challenges
These threats include: living expenses. You could also draw on a CD “ladder” — a that face all retirees.
• Inflation – Inflation has group of CDs that mature at different times — to provide you This article was written by Edward Jones for use by
been high recently, but even a with resources for the next few years and allow your equity your local Edward Jones Financial Advisor, Edward Jones,
mild inflation rate can seriously erode your purchasing power. investments time to recover their value. Member SIPC.
In fact, with just a 3 percent inflation rate, your expenses could • Unexpected costs – You had them when you were working, Edward Jones is a licensed insurance producer in all states
double in about 25 years — and your retirement could easily last and you’ll probably have them when you’re retired: the furnace and Washington, D.C., through Edward D. Jones & Co., L.P.,
that long. So, if you’re going to rely on your investment portfolio that breaks down, the car that needs a major repair, and so and in California, New Mexico and Massachusetts through
for a sizable part of your retirement income, you will need to on. But if you’ve established an emergency fund containing Edward Jones Insurance Agency of California, L.L.C.; Edward
own a reasonable number of growth-oriented investments, such a year’s worth of living expenses, with the money kept in a Jones Insurance Agency of New Mexico, L.L.C.; and Edward
as stocks or stock-based funds, whose potential returns can equal liquid account, you may be able to “ride out” these costs without Jones Insurance Agency of Massachusetts, L.L.C.
or exceed the inflation rate. jeopardizing your investment portfolio. Be sure to keep these Edward Jones, its employees and financial advisors cannot
• Excessive withdrawals – Once you retire, you should reserves separate from your typical day-to-day accounts to avoid provide tax advice. You should consult your qualified tax
establish a withdrawal rate for your portfolio — an amount you the temptation of spending your emergency money. advisor regarding your situation.
can take out each year and still feel secure that you won’t run • Health – Retirees may face more health concerns than Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
out of money. Some people make the mistake of withdrawing younger people, and those concerns often come with larger 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Jupiter Senior Softball News

Members of the Jupiter Senior Softball Association paid at Maplewood Community
tribute this past Memorial Day to those in the military who Park. Gary Vitaletti explained
made the ultimate sacrifice for their country. The pregame the difference between
ceremony included several persons who called out the Veterans Day that honors all
names of relatives and friends who died in World War II, who served in the military
Korea or Vietnam. and Memorial Day, which
Players from four teams, many of them veterans, is reserved for “those who
gathered before a large American flag for the observance made the ultimate sacrifice
while defending the ideals
that make us the greatest Gary Vitaletti, foreground, led Memorial Day ceremony. Photo by Mike Richmond
country on earth.” Memorial
Day originated during and after the Civil War when deceased solemn music of Taps ended the ceremony as players listened
soldiers were honored by placement of flags and flowers on with their caps over their hearts.
their graves, Vitaletti said. And, it was Union General John The senior softball program is sponsored by the nonprofit
Logan who designated May 30 as “Decoration Day,” a day Jupiter Senior Softball Association in cooperation with the
on which no named war battles had occurred so it would Town of Jupiter and is open to persons 55 and older. Games
become a universal day of remembrance and not coincide are every Monday, Wednesday and Friday morning at Jupiter
with other celebrations. Community Park, and new players of all skill levels are
Vitaletti also said Waterloo, N.Y., was among the first welcome.
Participants in the Memorial Day tribute included, from towns to make the holiday an annual community-wide event Registration can be made online at www.leaguelineup.
left, Bob Davis, Gene Holmes, Tom Guarino and Ron Seely. which in 1966 led the federal government to designate the com/jssa. For more information contact Gary Newman at
Photo by Mike McClanahan town as the birthplace of Memorial Day. A recording of the (917) 623-0791.
Testing Children For Autism

By Jim Forgan, Ph.D., Clearinghouse on Autism Evidence and Practice. These I co-authored the book Parent’s Quick Start Guide to
School Psychologist are 28 evidenced-based practices that independent research Autism which provides a quick, but deep dive into what to
Aut i sm dia gnose s documented best help children with autism. Treatments immediately do when your child is diagnosed with autism.
continue to increase. include applied behavior analysis (ABA) therapy, discrete When it comes to helping your young child, time is too
According to results from trial training, cognitive behavioral intervention, and social precious to squander.
a recent Centers for Disease narratives. Many insurance companies pay for evidenced- Call to discuss your child as we test for autism, dyslexia,
Control and Prevention based therapies with an official autism diagnosis. In addition, dysgraphia, attention-deficit hyperactivity disorder
(CDC) funded study, the Florida offers the Family Empowerment Scholarship to (ADHD), depression, and anxiety. Visit JimForgan.com or
autism prevalence was provide you funding to help your child. call (561) 625-4125.
that one in 36 children had
autism. For every one girl “Service is our number one priority”
identified with autism, four
boys were identified. For the first time, more African- 561-743-0070
American, Hispanic, and Asian children were identified than
White children. Researchers agree that early identification www.palmspoolservices.com
and use of evidenced-based treatments lead to the best
outcomes for children with autism.
We test children for autism starting at age 2. There is no one
test or even a medical test or blood test to diagnose autism. In
our practice we utilize the gold standard assessment called the
Autism Diagnostic Observation Schedule or ADOS, second
edition. In addition, we use caregiver interviews and tests of
language, attention, intelligence, and memory.
Five criteria should be met for a psychologist to diagnose
Autism Spectrum Disorder. First, the child must demonstrate
deficits in social communication and social interaction across
settings. Second, the child must display restricted, repetitive
patterns of behavior, interests, or activities, currently or by
history. Third, the child’s symptoms must have started early.
Fourth, there must be evidence of a significant impairment. Expires 8/15/23.
Fifth, the symptoms must not be caused by another mental
or physical condition. State Licensed & Insured
If your child is diagnosed with autism, we recommend Serving Palm Beach County CPC # 1457468 • LPG#30099
you start with treatments identified by the National