Page 20 - PGA Community News - October '21

Page 20, PGA C.A.N.! October 2021 October 2021

Clerk Alert

Clerk’s Office Looks To to focus on what matters most – the people we serve. the need for them to visit our office in-person.

Electronic certification of court and official records:
The Future By Embracing More than one-third of the court documents that are Our team is working on electronic certification, or
electronically filed with our office are processed using
Technology automation and artificial intelligence software. We also eCertification, of court and official records. Once this
will use A.I. to help answer your questions about our system launches, you will be able to get certified copies
Providing you with services, using a new “chatbot” on our website. That bot of court records and official records without coming into
quick and easy access should be available to you in the coming months. our offices. We will share more information on this service
to public records and Digitizing financial records: Our finance team launched once it’s ready to serve you.
information is one of my a new program this year that minimizes the need for paper Over the last year, we’ve learned that we all must be
top priorities. Your time records. By processing invoices and payments electronically, able to adapt. Technology continues to change the way we
is valuable, and my team we’re improving efficiencies to better serve you. live and work. My team and I are committed to embracing
and I want to make it as eRecording: As more services have moved online, these changes to provide you with fast and efficient service.
convenient as possible for we’ve seen a record number of people using our Regards,
you to access the services eRecording services to digitally record their marriage Joseph Abruzzo,
and information you need, licenses, deeds and other official records – eliminating Clerk of the Circuit Court and Comptroller
when you need it.
As the Clerk of
the Circuit Court and
and public record in Palm Beach County passes through Financial Focus
Comptroller, nearly every payment, court document
my office. By embracing technology, my team and I are
making it easier than ever for you to connect with this What Does Retirement and can’t always be predicted, such as those connected
information. with health care. Even with Medicare, you could easily
Our use of digital innovations is eliminating the need Security Mean To You? spend a few thousand dollars a year on medical expenses,
for many paper files, which improves efficiencies within so you may want to budget for these costs as part of your
our office and expands our ability to provide services By Sally Sima Stahl emergency savings, and possibly purchase supplemental
electronically. October is National insurance. You may also want to consider the possibility
As we look to the future, I wanted to share a few of Retirement Security of needing some type of long-term care, which is not
the ways we are using technology to serve you more Month. But what does typically covered by Medicare and can be quite expensive.
effectively and efficiently. retirement security mean The average annual cost of a private room in a nursing
Artificial intelligence and automation: We’re to you? And how can you home is more than $100,000, and it’s about $55,000 per
using artificial intelligence to scan and docket many work toward achieving it? year for a home health aide, according to Genworth, an
electronically-filed court records, enabling our team Here are some insurance company. To address these costs, you may want
suggestions: to consider some form of protection, such as long-term
• Build your resources. care insurance or life insurance with a long-term care
Drainage Information While you’re working, component.
• Do your estate planning. It’s hard to feel totally
save in tax-advantaged
From Northern accounts such as your IRA and 401(k) or similar secure in retirement if you’re unsure of what might
employer-sponsored retirement plan. In your 401(k), happen if you have an unexpected health event, become
Palm Beach County contribute at least enough to earn your employer’s incapacitated or die earlier than expected. That’s why
match, if one is offered, and increase your contributions you’ll want to create a comprehensive estate plan – one
Improvement District whenever your salary goes up. Remember, especially that might include documents such as a durable power
early in your career, time is often your biggest asset. Be of attorney, a will and a living trust. A review of your
Why do some yards flood after large sure to save early, since the longer you wait, the more insurance coverages and beneficiaries can also help
quantities of rain? The simple answer is you’ll need to save to help reach your goals. protect your assets and ensure they are distributed the way
• Look for ways to boost retirement income. When you want. In creating your plan, you will need to work
according to most approved drainage designs, transitioning to retirement, you can take steps to align with your financial advisor and a legal professional, and
some water is meant to be temporarily stored your income with your needs. For example, consider possibly your tax advisor as well.
in public recreational areas, yard swale and Social Security. You can start collecting it as early as 62, Thinking holistically about your retirement security
streets. The excess surface water slowly drains but your monthly payments will be much larger if you can and developing and executing a strategy aligned with
to community lakes or on-site ponds via street wait until your “full” retirement age, typically between your goals may help free you to enjoy one of the most
and yard drainage grates and/or via swales, 66 and 67. (Payments will “max out” at age 70.) So, if rewarding times of your life.
you have sufficient income from a pension or your 401(k) This article was written by Edward Jones for use by
ditches and canals. The more complex answer and other retirement accounts, and you and your spouse your local Edward Jones Financial Advisor. Edward
is that each yard is different. Some yards are in good health with a family history of longevity, you Jones. Member SIPC.
have drainage swale areas. These are areas may consider delaying taking Social Security. You also Edward Jones, its employees and financial advisors
that are sloped to catch water and filter out might want to explore other income-producing vehicles, are not estate planners and cannot provide tax or legal
pollutants as water is absorbed into the ground. such as certain annuities that are designed to provide a advice. You should consult your estate-planning attorney
Some yards direct water to the community lifetime income stream. or qualified tax advisor regarding your situation.
• Prepare for unexpected costs. During your Call me for a free portfolio review at (561) 748-7600,
drainage system as run-off with very little retirement, you can anticipate some costs, such as housing Sally Sima Stahl, AAMS, 1851 W. Indiantown Road, Ste.
water retained in the yard. Familiarize yourself and transportation, but other expenses are more irregular 106, Jupiter, FL 33458.
with how your yard was built to determine how
water drains from your home. Paid Advertisement

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