Page 12 - PGA Community News - February '25

February 2025
Page 12, PGA C.A.N.! 2 Spaces February 2025

Experience The Wonders

Of Manatee Lagoon This Cool Weather Season

As temperatures Here’s what to expect when visiting Manatee Lagoon. observation deck is the ideal spot to view manatees basking
drop this winter, • Close encounters with manatees: Observe manatees in the clean, warm-water outflows from Florida Power &
Manatee Lagoon – An basking in the warm waters, an engaging and educational Light Company’s adjacent Riviera Beach Next Generation
FPL Eco-Discovery experience for all ages. Clean Energy Center. Manatee Lagoon also offers digital
Center invites visitors • Educational exhibits, interactive displays and tours: resources and educational virtual content for manatee fans
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to witness the seasonal Discover the importance of manatee conservation and learn near and far on its website: VisitManateeLagoon.com.
migration of Florida’s about Manatee Lagoon’s ongoing environmental preservation The center is open seven days a week, 9 a.m. to 4 p.m.,
beloved manatees. efforts. Explore exhibits such as a seagrass nursery and except for major holidays, through manatee season, which
From Nov. 15 through March 31 (manatee season), mangrove tank and join tours throughout the day. runs through March 31, 2025. Manatee Lagoon is open the
manatees seek out the warm waters near Florida Power • Scenic views and amenities: Enjoy the serene beauty rest of the year Tuesday through Sunday, 9 a.m. to 4 p.m.
& Light Company’s (FPL) Rivera Beach Clean Energy of the lagoon, complete with picturesque views and
Center outflow, creating a unique opportunity for the comfortable facilities to enhance your visit.
public to observe these gentle giants up close. “We are excited to welcome guests to Manatee Lagoon
Manatee Lagoon – An FPL Eco-Discovery Center this winter season,” said Rachel Shanker, education and
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provides the perfect viewing conditions for families, conservation manager at Manatee Lagoon. “Winter is a
nature enthusiasts and tourists alike. great time to witness manatees in their natural habitat and to
appreciate the crucial role they serve in our ecosystem. With
cooler temperatures expected in the coming weeks, there’s
no better opportunity to experience the magic of these gentle
giants and to learn about our collective conservation efforts.”
Manatee Lagoon is committed to providing a safe,
educational and enjoyable experience for all visitors.
With free admission and a range of activities designed
to inspire a passion for wildlife and conservation, this is
an ideal destination for a day trip.
Make sure to keep an eye out for various educational
programs and events hosted by Manatee Lagoon. Notably,
its 9th anniversary celebration, ManateeFest, will take place
on Saturday, Feb. 1.
For more information about visiting Manatee Lagoon,
please visit www.VisitManateeLagoon.com.
Manatee Lagoon – An FPL Eco-Discovery Center
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is a free Palm Beach County educational attraction Manatees seek out the warm waters at Manatee Lagoon – An
with a dedicated area to view manatees up close. The FPL Eco-Discovery Center , creating a unique opportunity
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16,000-square-foot center features engaging, hands-on for the public to observe these gentle giants up close.
exhibits for visitors to learn all about the unique creatures as Visitors can enjoy the rare chance to watch manatees bask
well as the natural wonders of the surrounding Lake Worth in the outflow’s warmth, an experience that highlights the
Lagoon. During the colder winter months, the facility’s importance of conservation and environmental stewardship.

Financial Focus ®

A mother manatee and her baby calf swim gracefully in
front of Manatee Lagoon – An FPL Eco-Discovery Center What Should You Know prior December 31 by a life expectancy factor published
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during the cooler weather. This enchanting scene offers by the IRS. Your financial professional should be able to
visitors a rare and glimpse into the lives of these gentle About RMDS? perform this calculation for you.
giants as they seek out the warm waters provided by Florida • If I have multiple accounts, do I have to take an RMD
Power and Light Company’s (FPL) Rivera Beach Clean By Sally Sima Stahl from each one? If you are taking RMDs from a traditional
Energy Center outflow. You may spend many IRA, you must calculate each RMD individually, but you
decades contributing to can take the total amount from one or more IRAs. If you’re
your IRA and 401(k), but taking RMDs from a 401(k) or similar plan, you must take
the RMD from each of your accounts.
eventually you will likely
Season need to take the money income tax rate on the amount of the withdrawn RMD.
• How are RMDs taxed? You are typically taxed at your
out — in fact, you must
Is Here! take the money out or face You may be able to avoid taxes in a particular year if you
transfer your RMDs to a qualified charity in what’s known
penalties. What should
as a qualified charitable distribution.
you know about these
mandatory withdrawals? • If I inherit an IRA or 401(k), am I subject to RMDs?
Along with season comes the Here are some of the Yes. When you take RMDs from an inherited account, you
increased temptation to utilize the golf basics: generally must withdraw all the funds within 10 years, as
• What are they called? Mandatory withdrawals are opposed to over your lifetime, which is the RMD window
courses as a park/playground, but we technically called required minimum distributions, or RMDs. that applies to your own accounts. The rules are somewhat
must ask you to refrain from any non- • When must I take RMDs? If you were born before different if you inherit an IRA or 401(k) from your spouse.
golf related access. 1951, you’ve probably already begun taking RMDs. If you In any case, though, you’ll want to consult with your tax
were born between 1951 and 1959, your RMD age is 73. advisor about how to take RMDs from an inherited account.
Maintenance is performed on all And if you were born in 1960 or later, your RMD age is If you’re already subject to RMDs, be sure you’ve taken
the courses during the year, so there 75. You can postpone accepting your first RMD until April them before the year ends. And if you haven’t yet started
is equipment and work being done. 1 of the year after you reach your RMD age, but this will taking RMDs, learn as much as you can about them —
result in two RMDs for the year. After you take your first because the more you know, the more likely you’ll make
In addition, it is a time when there are RMD, you must take subsequent ones by December 31 of the right moves at the right time.
more golfers on the course enjoying our each year. This article was written by Edward Jones for use by
• What penalties will be assessed if I don’t take all your local Edward Jones Financial Advisor, Edward
beautiful weather. my RMDs? For every dollar not withdrawn, the IRS will Jones, Member SIPC.
Thank you charge a 25 percent penalty, but this can drop to 10 percent Edward Jones is a licensed insurance producer in
if you subsequently withdraw the correct amount within all states and Washington, D.C., through Edward D.
two years. Jones & Co., L.P., and in California, New Mexico and
• Which accounts have RMDs? RMDs apply to Massachusetts through Edward Jones Insurance Agency
traditional IRAs, as well as other types of IRAs, including of California, L.L.C.; Edward Jones Insurance Agency
SIMPLE and SEP IRAs. RMDs don’t apply to Roth IRAs. of New Mexico, L.L.C.; and Edward Jones Insurance
RMDs also apply to traditional 401(k)s, but not Roth Agency of Massachusetts, L.L.C.
401(k)s. Edward Jones, its employees and financial advisors
• Can I withdraw more than the RMD for any given cannot provide tax advice. You should consult your
year? Yes, you are free to take out as much as you want. qualified tax advisor regarding your situation.
However, if you take out more than the RMD for one year, Contact us at (561) 748-7600, Sally Sima Stahl,
you can’t apply the excess to the RMD for the next year. CFP®, AAMS™, 1851 W. Indiantown Road, Ste. 106,
• How are RMDs calculated? Typically, your RMDs Jupiter, FL 33458.
are determined by dividing your account balance from the
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