Page 6 - Jupiter West - March '25

Page 6, Jupiter West
Financial Focus ®

Key Decisions For Retired 75 if you were born in 1960 or later, you will have to take • Have you finished your estate plans? If not, now is the
time. You’ll want to work with your legal professional to
certain amounts, based on your age and account balance,
Couples from your traditional IRA and traditional 401(k) each year.) create whatever documents are needed – a will, living trust,
• When should you take Social Security? The answer to power of attorney – to help ensure your assets go where
By Sally Sima Stahl, this question depends on many factors, such as your age and you want them to go, and that your financial and health
Edward Jones other sources of income. You can take Social Security as care choices will be protected if you become physically or
Once you and your early as age 62, but your monthly payments will typically mentally incapacitated.
spouse retire, you’ll have be bigger if you wait until your full retirement age, which Of course, many of these same issues will apply if you
some decisions to make – will be age 67 if you were born in 1960 or later. And if are single, divorced or widowed. But if you are married, you
decisions that could affect you can afford to wait even longer, your payments will and your spouse will want to discuss all your choices and
your quality of life in your “max out” when you reach age 70. Your decision on when then decide which steps to take. Once you’ve got your plans
retirement years. What are to take Social Security can affect your spouse – and vice in place, you may well find that you can fully enjoy your
these choices? versa. If the lower-earning spouse claims Social Security retirement years.
Here a few of the most before their full retirement age – again, age 67 – their own This article was written by Edward Jones for use by
important ones: retirement benefit and any potential spousal benefit will be your local Edward Jones Financial Advisor, Edward Jones,
• How much should you reduced. (Spousal benefits are given to the lower-earning Member SIPC.
withdraw from your retirement accounts? By the time you spouse if their full retirement benefit is less than half the Edward Jones is a licensed insurance producer in all states
retire, you may have contributed for decades to an IRA and other spouse’s full retirement benefit.) and Washington, D.C., through Edward D. Jones & Co., L.P.,
a 401(k) or similar employer-sponsored retirement plan. • Should you downsize? If you live in a big home and your and in California, New Mexico and Massachusetts through
But once you retire, you’ll probably need to draw on these children are grown, you may find it economical to downsize. Edward Jones Insurance Agency of California, L.L.C.;
accounts to help pay your living expenses. Consequently, Of course, this is also an emotional decision, but you may Edward Jones Insurance Agency of New Mexico, L.L.C.; and
both of you will need to be sure that you don’t withdraw find that you can save money by moving into a smaller home. Edward Jones Insurance Agency of Massachusetts, L.L.C.
so much each year that you risk running out of money later • Where should you live? Some states are far more Edward Jones, its employees and financial advisors cannot
in your retirement. One common guideline is to aim for an expensive to live in than others. You’ll want to weigh your provide tax advice. You should consult your qualified tax
annual withdrawal rate of 4 percent, but everyone’s situation decision carefully, considering the cost of housing, food, advisor regarding your situation.
is different based on age, pre-retirement income, lifestyle, income and real estate taxes, transportation and health care Contact us at (561) 748-7600, Sally Sima Stahl, CFP ,
®
health, travel plans and other factors. (Once you turn 73, or in whatever state you choose. AAMS™, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Colon Cancer Screenings – When To Start

According to the American Cancer Society, colorectal • Not exercising regularly • A family history of colorectal cancer or polyps
cancer is the third most common cancer in the U.S. • Too much red or processed meats in your diet • Having a hereditary cancer syndrome like Lynch syndrome
While the number of overall colorectal cancer-related • Not enough vitamin D in your diet or familial adenomatous polyposis (FAP)
deaths has actually been dropping for several decades thanks • Smoking • Your race or ethnic background
to more people getting regular colon cancer screenings and • Heavy alcohol use • Being diagnosed with Type 2 diabetes
advances in treatments, colorectal cancer for people under You should watch out for rectal bleeding, changes in bowel If you have a strong family history of colorectal cancer,
50 has been increasing. Why? Researchers aren’t sure and movements (meaning going from having frequent ones to inflammatory bowel disease or a hereditary cancer syndrome,
are investigating. being constipated or having diarrhea), abdominal pain and you’d be considered higher risk and might need to be screened
So, when should you get a colonoscopy? weight loss. If you’re experiencing these symptoms, contact before the age of 45.
Since 2021, the U.S. Preventive Services Task Force, an a healthcare provider immediately for a diagnosis. Overall, the lifetime risk of developing colorectal cancer
independent, volunteer panel of national experts in prevention What About People Who Are At Higher Risk Of Colon is about 1 in 24 for men and 1 in 26 for women. The hope is
and evidence-based medicine, recommends that colorectal Cancer? that these newer guidelines will increase screenings and help
cancer screenings start at age 45, as compared to the prior What makes you high risk? Risk factors that are beyond identify health issues before they become severe, allowing
recommendation of age 50. your control include: for more effective treatment and better outcomes.
A colonoscopy screening doesn’t only detect cancer but • Being older You may be able to schedule a colonoscopy at Cleveland
it can also help prevent cancer by finding polyps that can be • A history of colorectal polyps, colorectal cancer or Clinic in Stuart or Port St. Lucie without an office visit. Visit
removed before they have a chance to turn into cancer. inflammatory bowel disease (IBD) ClevelandClinicFlorida.org/Colonoscopy to learn more.
At What Age Should You Get Your First Colonoscopy?
What exactly is a colonoscopy?
During the procedure, healthcare providers use a flexible
camera to look inside your colon and rectum.
And for most people, the colon cancer screening age starts
at 45. The current recommendation is mainly for average-risk
individuals, meaning those who don’t have a family history
of colorectal cancer or symptoms. With colorectal cancer,
there are a number of risk factors. Some can be reduced while
others are beyond your control.
Risk factors that you can manage include:
• Being overweight

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