Page 22 - Abacoa Community News - August '22

Page 22, Abacoa
Financial Focus Dyslexia Warning Signs

When Can You Choose By Jim Forgan, Ph.D., It’s a dyslexia warning sign when an elementary

Retirement? Licensed School age child is saying, “I’m not smart.” Simply put, young
Psychologist children don’t want to go to school and fail. In a class of
By Sally Sima Stahl As a certified dyslexia 20 kids, all the kids know the top and bottom readers. They
If you’re like most testing specialist, I test a know which kids’ papers are returned with a teacher’s red
people, your work has been lot of children suspected marks on it.
a central part of your life. of having dyslexia. A Your child is at risk for dyslexia if you have a
So, wouldn’t it be nice mom recently brought diagnosed or a suspected family history of reading
to have the flexibility to her second grade son for struggles. Dyslexia is genetic and more than 50 percent
decide when you no longer testing because his iReady/ of children identified have a family member who was not
want to work? MAPP scores were low, a good reader and might not like to read as an adult.
Many people of he was saying he was the If you are the parent, trust your instinct as you know
retirement age have worst reader in his class, there was family history of reading something is underlying your child’s reading struggles.
achieved this type of difficulty, and her motherly instinct told her something was In my years of experience, moms’ instincts are highly
control. In fact, two-thirds interfering with his ability to learn to read. accurate. Testing provides answers, future direction, and
of workers ages 65 and older say they work primarily These were classic dyslexia warning signs. The iReady/ can put your mind at ease.
because they want to, not because they have to, according MAPP testing that children take give scores that show their If you suspect dyslexia, call our office as we test
to a 2021 study by Edward Jones and Age Wave. But that reading level. However, the scores the school considers children ages 5.5 through college for dyslexia, ADHD/
means that one-third of workers in this age group feel “low” don’t always align with real life because schools focus ADD, gifted, and other processing disorders. Visit
financially compelled to work. This doesn’t necessarily on helping the “extremely low” kids. Kids with dyslexia are JimForgan.com or call (561) 625-4125.
mean they dislike the work they do — but it’s probably smart and can fake reading because they memorize words
fair to say they would have liked the option of not but may still struggle with fluency and decoding.
working. How can you give yourself this choice?
You can start by asking yourself these questions:
• When do I want to retire? You’ll want to identify the Dyslexia, ADD/ADHD,
age at which you wish to retire. You may change your
mind later and move this date up or back, but it’s a good
idea to have a target in mind. Gifted Testing
• What sort of retirement lifestyle do I want? When
you retire, do you anticipate staying close to home and
pursuing your hobbies or do you hope to travel the world? NOW OFFERING: Dr. Jim Forgan & Associates
Would you like to spend your time volunteering? Open • Jupiter & Stuart Offices
your own business or do some consulting? Clearly, some Licensed School Psychologist
of these choices will require more resources than others, • Testing for Processing www.JimForgan.com
so you’ll want to follow a financial strategy that aligns Problems, Anxiety,
with the retirement lifestyle you intend to pursue. Defiance (561) 625-4125
• Am I saving and investing enough? As you chart • Weekend and After
your course toward your retirement journey, you’ll want School Appointments
to assess the sources of income you’ll have available.
If you think you may be falling short of achieving your
retirement goals, you may need to consider saving more. “Helping Parents Help Children”
• When should I start taking Social Security? You can
begin collecting Social Security benefits as early as 62,
but your monthly payments will be much bigger if you
wait until your “full” retirement age, which will likely
be between 66 and 67. Your decision about when to take CONNECTING
Social Security will depend on several factors, including REAL PEOPLE
your other sources of income and your family history of
longevity. Of course, as you’re probably aware, the Social IN REAL LIFE
Security system is facing significant financial stress, so
it’s possible that we may see changes to Social Security,
based on actions Congress could take. In any case, you
might want to be fairly conservative in estimating how
much Social Security can contribute to your retirement
income.
By addressing the above questions, you can get a
clearer sense of when you might reach the point at which Join the Summer
work is optional. But you’ll also need to consider other
factors, too, such as how much you enjoy working or Love Club Today!
when your spouse or partner is planning to retire. In any
case, the sooner you start planning for this next phase of
your life, the better position you’ll be in when it’s time
to make the transition.
This article was written by Edward Jones for use by
your local Edward Jones Financial Advisor, Edward
Jones, Member SIPC.
Edward Jones is a licensed insurance producer in
all states and Washington, D.C., through Edward D.
Jones & Co., L.P., and in California, New Mexico and
Massachusetts through Edward Jones Insurance Agency
of California, L.L.C.; Edward Jones Insurance Agency
of New Mexico, L.L.C.; and Edward Jones Insurance
Agency of Massachusetts, L.L.C.
Edward Jones, its employees and financial advisors
cannot provide tax advice. You should consult your
qualified tax advisor regarding your situation.
Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.

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