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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.