Page 22 - PGA Community News - January '24
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January 2024
Page 22, PGA C.A.N.! BW January 2024
The Pet Cottage Post
Catching Up With Wendy Derhak or deployment. We also
provide senior people with
11 Years After Launching, This Nonprofit pet companions.
Founder Discusses The Past, Present What Are You Most Proud
And Future Of The Pet Cottage In This Of?
Exclusive Interview I’m proud of our forever
promise. We are not an adoption
Why Did You Start The Pet Cottage? agency or foster program. We
It all started with my dear friend are a new concept. When a
Joan. She was an active senior in pet becomes homeless due
her early 70s and at the time I was to the death, disability, or
her personal trainer. We worked deployment of their owner we
out three times a week and became provide a nonjudgmental and
close friends. Truthfully, she was like supportive place for solutions.
a mother to me. When she received a If a homeless pet fits our
terminal pancreatic cancer diagnosis, her biggest concern mission, we commit to taking
was: Who will care for my three senior cats? care of it for life. This forever
Joan was a strong promise gives surviving family
independent woman. and friends peace of mind. What’s Your Vision For The Future?
She had no spouse, no Our pets, which are mostly seniors, live in the home Our big goal is to secure a sanctuary property that we
children and no siblings. of a forever guardian or at our sanctuary property. The can call our own. We currently rent in Jupiter Farms and
Her three furbabies, majority of our forever guardians are senior people. The having our own property would allow us to expand our
Shadow, Smokey, forever guardian provides love and a safe place to call mission and services by building additional dog cottages,
and Jeremy, were her home. The Pet Cottage covers all veterinary expenses. a cat hotel, and larger volunteer space. We want to be a
entire world and sweet Because of this partnership, many senior people in our pillar of support in the community and a known entity for
companions. community are able to have a senior pet companion. people and pets in need.
We started to explore Our forever promise to each pet in our care means that We are always open to new volunteers and forever
options for rehoming no matter what happens to a guardian, the pet will have a guardians joining our pack. Contact us below for more
them upon her death. loving home. It’s a win-win-win situation that makes us information.
And we kept hitting dead do a happy dance! The Pet Cottage,
ends. The thought of To date, we have made 100 forever promises to pets (561) 818-5025,
placing these beloved Wendy and Bella Pom and supported 84 forever guardians and 87 volunteers. www.thepetcottage.org
family members who had
brought her so much joy and love in a shelter was out of
the question. Advertise in this paper.
So we decided that I would become the guardian of her
cats and her lawyer crafted a legal agreement. Check out our website!
As I supported Joan through the end of her life, I had
many conversations with the hospice staff about how often www.seabreezepublications.com
pet owners with terminal illnesses face this reality. They
said it was a problem without a solution. or call 746-3244
In 2012, I founded The Pet Cottage as a solution!
Today, we celebrate and protect the magical relationship
between people and pets by offering home-style care to
pets who lose their humans due to death, disability Financial Focus ®
Please
Don’t Feed Alligators Don’t Leave Your IRA To for individuals who failed to take RMDs in 2021 and 2022
and extended the RMD penalty waiver for 2023.
or Any Wildlife The IRS Although these rulings give beneficiaries – those not
eligible for the exemptions listed above – more time to
By Sally Sima Stahl plan, they will eventually need to start taking RMDs, which
Report all aggressive alligators to the If you’ve invested in an could affect their tax situations. To help protect your heirs,
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may well turn into a key
• Using permanent life insurance. A properly structured
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retirement. Still, you might assets your family might lose to the taxes resulting from an
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or a 401(k) and other the life insurance could then provide tax-free benefits to
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your IRA still has sizable • Leaving taxable investment accounts to your heirs.
assets after your passing, it Apart from your tax-deferred IRA, you may own other,
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HOME SERVICES beneficiaries who inherited an IRA after 2019, meaning The tax and investment issues surrounding inherited
that beneficiaries of inherited IRAs had only 10 years IRAs can be complex, so consult with your tax and financial
(beginning the year after death) to withdraw the entire advisors before making any moves. And, as with many
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NO JOB TOO SMALL create a tax burden. (Inheritors of Roth IRAs are also the better.
required to follow the 10-year distribution rule but are not This article was written by Edward Jones for use by
subject to income taxes on account earnings if the Roth your local Edward Jones Financial Advisor, Edward Jones,
u Water Stains u Screen Repair IRA’s five-year holding period has been met.) Member SIPC.
u Painting u Leak Repair However, not all beneficiaries were affected by the new Edward Jones is a licensed insurance producer in
rules. Spouses can stretch their inherited IRA distributions all states and Washington, D.C., through Edward D.
u Caulking u Misc. Repair over their lifetimes and exceptions exist for certain non- Jones & Co., L.P., and in California, New Mexico and
u Interior/Exterior spouse beneficiaries. Minor children of the IRA owner Massachusetts through Edward Jones Insurance Agency
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... and much more! individuals, and beneficiaries who are no more than 10 New Mexico, L.L.C.; and Edward Jones Insurance Agency
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Housesitting Available • References Available distributions. Edward Jones, its employees and financial advisors
The new 10-year requirement applies to IRAs inherited cannot provide tax advice. You should consult your
(Serving Palm Beach County since 1980) on or after Jan. 1, 2020. But due to confusion over changes qualified tax advisor regarding your situation.
to required minimum distribution (RMD) rules for some Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
Call Rubin beneficiaries of inherited IRAs, the IRS waived penalties 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
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