Page 6 - The Shores of Jupiter - March '24

Page 6, The Shores
Financial Focus ®

When Should You Take Social see into the future, so the question can’t be answered full retirement benefits, regardless of when you start
taking them. (Your spouse’s benefit can be reduced by the
with total confidence. But to make an informed decision
Security? on when to take Social Security, you don’t need to know amount of their own retirement benefit and whether they
your exact lifespan – you just need to make a reasonably took Social Security before their full retirement age.) But
By Sally Sima Stahl good estimate. So, for example, if you’re approaching with a survivor benefit, your decision about when to take
One of your important 62, you’re enjoying excellent health and you have a Social Security can make a big difference. A surviving
sources of retirement family history of longevity, you might conclude it’s worth spouse can receive the larger of their own benefit or 100
income will likely be Social waiting a few years to collect Social Security, so you can percent of a deceased spouse’s benefit, so if you take
Security – but when should receive the bigger payments. Conversely, if your health benefits early and receive a permanent reduction, your
you start taking it? is questionable and your family has not been fortunate in spouse’s survivor benefit may also be reduced for their
You can start collecting terms of longevity, you might want to start taking your lifetime.
Social Security benefits at benefits earlier. When to take Social Security is an important – and
62, but your checks will • Employment – You can certainly continue working irrevocable – decision. So, consider all the factors before
be considerably bigger if and still receive Social Security benefits. However, if making your choice.
you wait until your full you’re under your full retirement age for the entire year, This article was written by Edward Jones for use by
retirement age, which is Social Security will deduct $1 from your benefits for every your local Edward Jones Financial Advisor, Edward
likely between 66 and 67. You could even wait until $2 you earn above the annual limit of $22,320. In the year Jones, Member SIPC.
you’re 70, at which point the payments will max out, you reach your full retirement age, Social Security will Edward Jones is a licensed insurance producer in
except for yearly cost-of-living adjustments. But if you deduct $1 in benefits for every $3 you earn above $59,520. all states and Washington, D.C., through Edward D.
need the money, you need the money, even if you’re just So, you may want to keep these reductions in mind when Jones & Co., L.P., and in California, New Mexico and
62 or any age before full retirement age. deciding when to begin accepting benefits. Once you Massachusetts through Edward Jones Insurance Agency
However, if you have adequate financial resources to reach your full retirement age, you can earn any amount of California, L.L.C.; Edward Jones Insurance Agency of
meet your monthly needs, whether through earned income, without losing benefits. (Also, at your full retirement age, New Mexico, L.L.C.; and Edward Jones Insurance Agency
your investment portfolio or a combination of the two, Social Security will recalculate your benefit amount to of Massachusetts, L.L.C.
you could have some flexibility in choosing when to take credit you for the months you received reduced benefits Edward Jones, its employees and financial advisors
Social Security. In this case, you may want to weigh these because of your excess earnings.) cannot provide tax advice. You should consult your
considerations: • Spouse – Spouses can receive two types of Social qualified tax advisor regarding your situation.
• Life expectancy – For all of us, it’s one of life’s great Security benefits: spousal and survivor. With a spousal Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
mysteries: How long will we live? Of course, we can’t benefit, your spouse can receive up to 50 percent of your 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
When Kids Say, ‘I’m Better Off Dead’

By Jim Forgan, Ph.D., reading, writing, and spelling so he was academically behind Education Plan which provided specialized instruction. As a
Licensed School Psychologist his peers. This caused embarrassment and he felt stupid. His family they began working with a counselor to improve home
A concerned parent came circumstances created the perfect storm for him to cry out to communication and understanding. Step by step they made
to us for testing because on his parent that he was better off dead. This boy had no suicidal changes to help their child’s mental health and learning.
more than one occasion her plan but he did not have the appropriate words to express he If you or your child have suicidal thoughts or behaviors,
son said, “I shouldn’t be wanted help and understanding. call or text 988 for the suicide and crisis lifeline. You know
alive. I’m better off dead.” This boy’s mom wanted to know how to help and our your child best so if you are concerned about a potential
Before contacting us, this testing results report provided recommendations. They learning disability, autism, or ADHD, call to discuss your
mom had already hid all obtained a public school plan called an Individualized child. Visit JimForgan.com or call (561) 625-4125.
the sharp knives in her
home. She was wise to seek
than dismissing or scolding her child for saying that since PBI Has Busiest Year Ever
professional support rather

suicide in children is a real concern. According to the Center
for Disease Control’s website and Youth Risk Survey Data, 2023 was a fantastic year for Palm Beach International to Tampa and Nassau beginning March 5; Tallahassee
among adolescents aged 12 to 17, 18.8 percent had seriously Airport (PBI) with record-breaking passenger numbers, service three times a week beginning March 6;
considered attempting suicide, 15.7 percent made a suicide national awards and continued growth. Pensacola service two times a week beginning March
plan, and 8.9 percent attempted suicide. These percentages are More than 7.76 million passengers were served last 7; and service to Marsh Harbour three times a week
higher for youth of color and those identifying as LGBTQ. year, surpassing the previous record set in 2019 when beginning March 5.
Our school neuropsychological testing revealed he had 6.89 million passengers passed through the terminal. Frontier Airlines has announced new nonstop service
ADHD and learning disabilities which caused significant The year-end passenger total for PBI was 12.6 percent from PBI to San Juan, Puerto Rico three times a week
school problems. This boy was viewed as the class clown higher than 2019 and 16.8 percent higher than 2022. beginning June 2. In addition, PBI continues to offer
and became the one people pointed to and assumed was the “The record-breaking number of passengers is a daily flights to Los Angeles, Calif., on JetBlue and
disruptive cause when there was a problem. This contributed testament to the hard work and dedication of our staff Toronto, Canada on Air Canada until April 30.
to him feeling rejected by most of his peers and teacher. who ensure we provide the easy, convenient experience American Airlines will offer extended nonstop
Furthermore, his learning disabilities interfered with his that customers have come to expect from PBI,” said service to Chicago O’Hare throughout the summer.
Gary Sypek, senior deputy director of airports. “2024 In addition, PBI has some exciting routes for sports
is shaping up to be an even greater year for PBI with enthusiasts with Delta Airlines providing nonstop
the continued and growing support from our airline service to Augusta, Ga., for the Masters Tournament
partners to the Palm Beaches.” and Southwest Airlines offering nonstop service to St.
PBI continues to bolster its airline roster with Silver Louis during Spring Training.
Airways coming on board and providing service to five Visit www.pbia.org to find out more and book your
new exciting destinations launching with daily flights flight today.

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