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      Financial Focus




      When Can You Choose                                may be falling short of achieving your retirement goals, you   such as how much you enjoy working or when your spouse or
                                                                                                           partner is planning to retire. In any case, the sooner you start
                                                         may need to consider saving more.
      Retirement?                                          • When should I start taking Social Security? You can   planning for this next phase of your life, the better position
                                                         begin collecting Social Security benefits as early as 62, but   you’ll be in when it’s time to make the transition.
      By Sally Sima Stahl                                your monthly payments will be much bigger if you wait until     This article was written by Edward Jones for use by
        If you’re like most                              your “full” retirement age, which will likely be between 66   your local Edward Jones Financial Advisor, Edward Jones,
      people, your work has been                         and 67. Your decision about when to take Social Security will   Member SIPC.
      a central part of your life. So,                   depend on several factors, including your other sources of     Edward Jones is a licensed insurance producer in all states
      wouldn’t it be nice to have                        income and your family history of longevity. Of course, as   and Washington, D.C., through Edward D. Jones & Co., L.P.,
      the flexibility to decide when                     you’re probably aware, the Social Security system is facing   and in California, New Mexico and Massachusetts through
      you no longer want to work?                        significant financial stress, so it’s possible that we may see   Edward Jones Insurance Agency of California, L.L.C.;
        Many people of retirement                        changes to Social Security, based on actions Congress could   Edward Jones Insurance Agency of New Mexico, L.L.C.; and
      age have achieved this type                        take. In any case, you might want to be fairly conservative in   Edward Jones Insurance Agency of Massachusetts, L.L.C.
      of control. In fact, two-thirds                    estimating how much Social Security can contribute to your     Edward Jones, its employees and financial advisors
      of workers ages 65 and older                       retirement income.                                cannot provide tax advice. You should consult your qualified
      say they work primarily                              By addressing the above questions, you can get a clearer   tax advisor regarding your situation.
      because they want to, not because they have to, according to   sense of when you might reach the point at which work is     Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
      a 2021 study by Edward Jones and Age Wave. But that means   optional. But you’ll also need to consider other factors, too,   1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
      that one-third of workers in this age group feel financially
      compelled to work. This doesn’t necessarily mean they
      dislike the work they do — but it’s probably fair to say they
      would have liked the option of not 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
      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.
        • 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? Would
      you like to spend your time volunteering? Open your own
      business or do some consulting? Clearly, some of these
      choices will require more resources than others, so you’ll
      want to follow a financial strategy that aligns with the
      retirement lifestyle you intend to pursue.
        • Am I saving and investing enough? As you chart your
      course toward your retirement journey, you’ll want to assess
      the sources of income you’ll have available. If you think you

        Dyslexia



        Warning Signs



        By Jim Forgan, Ph.D.,
        Licensed School
        Psychologist
          As a certified dyslexia
        testing specialist, I test a
        lot of children suspected
        of having dyslexia. A
        mom recently brought
        her second grade son
        for testing because his
        iReady/MAPP scores
        were low, he was saying
        he was the worst reader in his class, there was family
        history of reading difficulty, and her motherly instinct
        told her something was interfering with his ability to
        learn to read.
          These were classic dyslexia warning signs. The
        iReady/MAPP testing that children take give scores
        that show their reading level. However, the scores the
        school considers “low” don’t always align with real life
        because schools focus on helping the “extremely low”
        kids. Kids with dyslexia are smart and can fake reading
        because they memorize words but may still struggle with
        fluency and decoding.
          It’s a dyslexia warning sign when an elementary age
        child is saying, “I’m not smart.” Simply put, young
        children don’t want to go to school and fail. In a class
        of 20 kids, all the kids know the top and bottom readers.
        They know which kids’ papers are returned with a
        teacher’s red marks on it.
          Your child is at risk for dyslexia if you have a
        diagnosed or a suspected family history of reading
        struggles. Dyslexia is genetic and more than 50 percent
        of children identified have a family member who was not
        a good reader and might not like to read as an adult.
          If you are the parent, trust your instinct as you know
        something is underlying your child’s reading struggles.
        In my years of experience, moms’ instincts are highly
        accurate. Testing provides answers, future direction, and
        can put your mind at ease.
          If you suspect dyslexia, call our office as we test
        children ages 5.5 through college for dyslexia, ADHD/
        ADD,  gifted, and  other  processing  disorders. Visit
        JimForgan.com or call (561) 625-4125.
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