Page 24 - PGA Community News - March '25

Page 24, PGA C.A.N.! 2 Spaces March 2025
March 2025
Navigators Are Here To Help Guide You

Through Court Document Prep

By Joseph Abruzzo, Clerk Navigator assistance is available for free by appointment And for those who prefer to tackle things on their own,
of the Circuit Court and at our West Palm Beach, Palm Beach Gardens and Delray we have a range of how-to videos and workshops at https://
Comptroller, Palm Beach Beach locations. Navigators can assist you in completing www.mypalmbeachclerk.com/services/self-service-center/
County court documents and can give you procedural information how-to-videos-toolboxes.
As your Clerk of for most family law and county civil actions. Do not hesitate to take advantage of this free service – we
the Circuit Court and Navigators can assist you with filing many of the forms are here to help make navigating the court system as easy as
Comptroller for Palm Beach that we offer, including divorce, legal custody and tenant possible.
County, I am excited to share eviction complaints. You can find a full list of forms available About The Clerk Of The Circuit Court And
a valuable resource that is on our website at mypalmbeachclerk.com/selfservice. Comptroller, Palm Beach County
making a real difference While our navigators are here to help, they cannot provide The Clerk of the Circuit Court and Comptroller is Palm
in our community: our legal advice or represent you in court. Also, they are unable Beach County’s protector of public money and records
free document preparation to assist with certain specialized forms such as those involved including marriage licenses, court documents, financial
assistants, known as “navigators.” in probate, mortgage foreclosure, or guardianship cases. reports and real estate records. Visit www.mypalmbeachclerk.
To schedule an appointment with our navigator, please com and find us @ClerkPBC on Facebook, YouTube,
call (561) 355-7048. Instagram, Threads, LinkedIn and X.
Reminder From

Palm Beach Gardens Financial Focus ®

Police Department Key Decisions For Retired (Spousal benefits are given to the lower-earning spouse if

Adopt These Habits To Couples their full retirement benefit is less than half the other spouse’s
full retirement benefit.)
Prevent Vehicle Burglaries • Should you downsize? If you live in a big home and
By Sally Sima Stahl your children are grown, you may find it economical to
• Please lock your vehicle doors every time Edward Jones downsize. Of course, this is also an emotional decision, but
– even for a quick stop or at home. Once you and your you may find that you can save money by moving into a
• Never leave items of any kind inside your spouse retire, you’ll have smaller home.
some decisions to make –
• Where should you live? Some states are far more
vehicle. Hiding items doesn’t work! decisions that could affect expensive to live in than others. You’ll want to weigh your
• At a minimum, if you must leave items, your quality of life in your decision carefully, considering the cost of housing, food,
place them in your trunk. retirement years. What are income and real estate taxes, transportation and health care
• Cell phone/iPod power cords, GPS these choices? in whatever state you choose.
holders and other key sets act as neon signs. Here a few of the most • Have you finished your estate plans? If not, now is the
• Park in well-lit areas, stay alert and call important ones: time. You’ll want to work with your legal professional to
• How much should you
create whatever documents are needed – a will, living trust,
in any suspicious activities to the police withdraw from your retirement accounts? By the time you power of attorney – to help ensure your assets go where
department nonemergency number: 799-4445. retire, you may have contributed for decades to an IRA and you want them to go, and that your financial and health
a 401(k) or similar employer-sponsored retirement plan. care choices will be protected if you become physically or
But once you retire, you’ll probably need to draw on these mentally incapacitated.
accounts to help pay your living expenses. Consequently, Of course, many of these same issues will apply if you
both of you will need to be sure that you don’t withdraw are single, divorced or widowed. But if you are married,
so much each year that you risk running out of money later you and your spouse will want to discuss all your choices
in your retirement. One common guideline is to aim for an and then decide which steps to take. Once you’ve got your
annual withdrawal rate of 4 percent, but everyone’s situation plans in place, you may well find that you can fully enjoy
is different based on age, pre-retirement income, lifestyle, your retirement years.
health, travel plans and other factors. (Once you turn 73, or This article was written by Edward Jones for use by
75 if you were born in 1960 or later, you will have to take your local Edward Jones Financial Advisor, Edward Jones,
certain amounts, based on your age and account balance, Member SIPC.
Attention Dog Owners from your traditional IRA and traditional 401(k) each year.) Edward Jones is a licensed insurance producer in
• When should you take Social Security? The answer to all states and Washington, D.C., through Edward D.
this question depends on many factors, such as your age Jones & Co., L.P., and in California, New Mexico and
It is your responsibility to pick and other sources of income. You can take Social Security Massachusetts through Edward Jones Insurance Agency
up after your dog. as early as age 62, but your monthly payments will typically of California, L.L.C.; Edward Jones Insurance Agency of
be bigger if you wait until your full retirement age, which New Mexico, L.L.C.; and Edward Jones Insurance Agency
It’s the law. Some of you will be age 67 if you were born in 1960 or later. And if you of Massachusetts, L.L.C.
have been negligent can afford to wait even longer, your payments will “max Edward Jones, its employees and financial advisors
in doing so. out” when you reach age 70. Your decision on when to take cannot provide tax advice. You should consult your
Social Security can affect your spouse – and vice versa. If qualified tax advisor regarding your situation.
the lower-earning spouse claims Social Security before their Contact us at (561) 748-7600, Sally Sima Stahl, CFP®,
Please keep our full retirement age – again, age 67 – their own retirement AAMS™, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL
community beautiful! benefit and any potential spousal benefit will be reduced. 33458.

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Fisher Seebreeze ad.indd 1 10/15/24 7:38 PM