Page 8 - Hobe Sound Reflections - September '19

Page 8, Hobe Sound

tip Of the tail

Importance Of Feline teeth can save your cat a great deal of pain and potential keep to themselves much of the time, which makes it even
Our feline companions are resilient, stoic, and tend to
weight loss and other oral problems.
Wellness Exams Kidney disease is unfortunately extremely common more important for them to see their veterinarian yearly
in older cats. Early kidney disease is accompanied by than any other species. Even if your pet appears healthy
hardly any clinical signs. As the disease progresses, at home, veterinarians are often able to detect subtle, less
the signs that develop are subtle and include increased obvious signs of illness which will help to keep your best
drinking and urination, weight loss, unkempt coat, and friend happy and healthy for years to come.
hiding. Owners often do not detect these signs due to Established in 1981, Palm City Animal Medical
their slow onset and seemingly insignificant nature. With Center is dedicated to providing the best possible care
an appointment, through questioning and a good exam, for your pets. With focuses on compassionate care in
your veterinarian can detect these subtle changes. Blood surgery, physical therapy and rehabilitation, preventative
work and urinalysis are able to detect kidney disease medicine, extensive diagnostics, and emergency service,
often before any of these signs become apparent. This Palm City Animal Medical Center combines exceptional
allows us to intervene and slow the progression of this medical care with a caring philosophy for pets and their
unfortunate disease which is critical. Once kidney disease owners. For more information, call (772) 283-0920, visit
has progressed to its late stages we are very, very limited www.palmcityanimalmedicalcenter.com or find us on
in our options for treatment. Facebook at www.facebook.com/PalmCityAnimalClinic.

All too often in the veterinary clinic, we only see cats
when they are very sick. Many owners do not recognize Wealth ManageMent
the importance of bringing their feline companions in for
yearly visits whether they appear healthy or not. There
are many common cat diseases that can easily be detected Managing Market Risk long period of time, they also carry greater risk. Bonds
and treated, but this is only possible if cats are brought tend to be less volatile, but they do not have the same
in to their veterinarian for routine preventative care. Cats Interest rates, political growth potential as stocks. Cash is generally immune
age much more rapidly than humans. One cat year equals agendas, and other from market volatility, but its value may be eroded by
about four to five human years. A great deal can change economic forces can lead inflation. Depending on your time horizon, goals, and risk
tolerance, some combination of these three asset classes
in that span of time so it is so important to keep up with to market volatility. This is prudent.
volatility can stoke fears
yearly care. and motivate investors to
Cats are very good at hiding the fact that they are make rash decisions that Diversification
sick, whereas clinical signs in dogs are often much ultimately jeopardize their Once you have determined an appropriate asset allocation,
more obvious. As cats age, they are commonly affected financial future. Although you must diversify your investments within each asset
class. For example, the funds allocated to stocks should
by hyperthyroidism, kidney disease, diabetes and even you cannot control the be spread across a variety of holdings. Diversification may
economic forces that drive
cancer. A physical exam allows the veterinarian to observe market volatility, you can help minimize the impact of volatility while providing for
your cat’s behavior, overall condition of its skin and coat, control how you react more consistent returns over time.
and monitor its weight. Change in these subtle things that when volatility occurs. A
may not seem significant at home can help vets identify well-designed financial Rebalancing
As diversified investments perform differently, your assets
some health conditions early. Yearly screening blood game plan will incorporate may stray from the desired allocation. When the stock
certain strategies to help
work is critical, especially in adult cats. Detection of defend against the pitfalls you may encounter when market is doing well, stocks may become over-represented
kidney or liver disease before your pet begins to show managing market risk. in your portfolio, introducing more risk than intended. In
clinical signs can greatly slow the progression of disease, order to minimize your exposure to undesired risk, you
prevent suffering, and ultimately extend their life. Blood Perspective and Time Horizon should regularly rebalance your portfolio. Rebalancing
On January 3, 1993, the hometown crowd poured out of involves periodically buying or selling certain holdings
work helps us to determine overall health and allows us to Rich Stadium in Buffalo, New York, after the visiting to maintain the desired asset allocation. This may have
take preventative measures to keep your feline happy and team built a 32-point lead with 13:19 remaining in the tax consequences that you should discuss with your tax
healthy. Monitoring your cat’s weight is also extremely third quarter. Disgusted by the performance of the advisor.
important. Weight gain or loss can be an indication that hometown team, these fans lost perspective. There was
there is something else going on with your furry friend. still nearly an entire half of football to be played, and the Dollar-Cost Averaging
hometown team featured one of the league’s most potent Dollar-cost averaging is a systematic and disciplined
Cats are commonly affected by dental disease. Dogs offenses. By making a rash decision, these fans missed investment strategy that helps to reduce the impact of
are always panting and playing and are often amenable the greatest comeback in professional football history. market fluctuations and the overall cost of investing. This
to owners looking in their mouths. Most cats will not strategy requires you to invest a specific dollar amount
allow their owner to look at their teeth at home, so it This cautionary tale demonstrates the importance of on a regular basis. The price of the desired holdings
is necessary to have your veterinarian perform an oral perspective and time horizon. According to the Social will determine how many shares you are able to buy.
Security Administration, a man reaching age 65 today This disciplined approach to investing will discourage
exam yearly and determine if your cat needs a dental can expect to live, on average, until age 84.3. A woman emotional decisions and help you continue to move the
cleaning. Some problems unique to cats include stomatitis reaching age 65 today can expect to live, on average, until chains toward your financial goals.
(painful inflammation of the oral tissues) and resorptive age 86.7. If history is any indicator, there are bound to
lesions. Resorptive lesions occur when the body attacks be countless market drops throughout this time horizon. Asset allocation, diversification, and dollar-cost averaging
the surface of the tooth causing cavities which erode into Your financial game plan should help you withstand these do not ensure a profit or protection against loss.
the pulp and can be extremely painful. Early detection short-term market shifts and remain focused on your Article provided by Bob Sander, Senior Vice President/
long-term financial goals.
of these lesions and possible extraction of the affected Investments, with the Stuart branch of Stifel, who has
Asset Allocation attained the Certified Financial Planner™ (CFP®)
Asset allocation is the process of apportioning an designation and the Accredited Investment Fiduciary®
individual’s investment portfolio among different asset (AIF®) certification. He can be reached at (772)
classes, such as stocks, bonds, and cash. A well-designed 403-8305 or sanderb@stifel.com. Stifel, Nicolaus &
financial game plan bases its asset allocation on your time Company, Incorporated Member SIPC & NYSE.
horizon, goals, and risk tolerance. While stocks overall
are expected to generate the highest rate of return over a