Page 19 - Abacoa Community News - July '20

Abacoa, Page 19
Financial Focus

Nearing Retirement? What adjustments in your financial and investment strategies can you (or do you want to) adapt your lifestyle plans?

Questions Should You Ask? might you need to make for your retirement? And can you accept the same flexibility with your other
Here are a few areas to consider, and some questions lifestyle goals, such as purchasing a vacation home,
By Sally Sima Stahl to ask yourself: pursuing hobbies, and so on?
The recent market • Retirement goals – Now is a good time to review • Tradeoffs – Based on your retirement goals and your
volatility has affected just your retirement goals and assess your progress toward willingness to adjust your retirement lifestyle, you’ll
about everybody’s financial achieving them. You may want to work with a financial want to consider your options and tradeoffs. For example,
and investment situations – professional to determine if the current environment has would you be willing to work more years than you had
so, if you were planning to materially affected your goals or if you need to make originally planned in exchange for greater confidence in
retire soon, will it still be modest adjustments to stay on track. your ability to enjoy a comfortable retirement lifestyle?
possible? • Retirement lifestyle – You probably created your By working longer, you can continue adding to your IRA
Of course, the answer investment strategy with a particular type of retirement and 401(k) or similar retirement plan, and you may be able
depends somewhat on your lifestyle in mind. Perhaps you had planned to become a to push back the date you start receiving Social Security
employment situation. With world traveler when your working days were over. Of to receive bigger monthly benefits. You might also review
so many people’s jobs being course, in the near term, extensive travel may not be your budget for opportunities to reduce spending today
affected by the coronavirus pandemic, your retirement possible, anyway, but once we move past the pandemic, and potentially save more toward your retirement goals.
plans may also have been thrown into confusion. your freedom to roam will likely return. But if your • Social Security – You can file for Social Security
But assuming your employment is still stable, what investment portfolio is not where you thought it might be, benefits as early as 62, but you can get 25 to 30 perecent
more if you wait until your full retirement age, which is
likely between 66 and 67. As you created your retirement
plans, you likely also calculated when you would take
Endless indulgence. If you postpone retirement a few years, what effect will
Social Security, but you may need to review that choice.
that have on when you choose to take Social Security and,
consequently, the size of your benefits? You won’t want
Every day. to make a hasty decision, because once you start taking
Social Security, you can’t undo your choice.
This is certainly a challenging time to be entering

retirement, and you’ll have some questions to answer.
But even in the midst of uncertainty, you still have many
choices. Consider them carefully and make the decisions
that work for you.
This article was written by Edward Jones for use by
your local Edward Jones Financial Advisor.
Edward Jones, its employees and financial advisors are
not estate planners and cannot provide tax or legal advice.
Call me for a free portfolio review at (561) 748-7600,
Sally Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste.
106, Jupiter, FL 33458.

South Australia from page 18

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