Page 6 - The Shores of Jupiter - August '22

Page 6, The Shores

Financial Focus Senior Dogs At The Pet Cottage

When Can You Choose Fetch A Nonprofit Grant

Retirement? Old dogs have we’re looking forward to helping more senior dogs who
something to wag about lose their humans due to death, disability, or deployment.”
By Sally Sima Stahl this summer as The Grey Over the past 13 years, the national nonprofit Grey
If you’re like most Muzzle Organization Muzzle Organization has provided more than $3.1 million
people, your work has been announces the recipients in grants to support its vision of “a world where no old
a central part of your life. of its annual grants, and dog dies alone and afraid.”
So, wouldn’t it be nice dogs at The Pet Cottage “Thanks to the generosity of our donors, we’re
to have the flexibility to are among the winners. delighted to help deserving organizations like The Pet
decide when you no longer The Pet Cottage in Cottage make a difference in the lives of dogs and people
want to work? Jupiter is one of 77 animal in their communities,” Grey Muzzle’s Executive Director
Many people of welfare groups chosen Lisa Lunghofer said. “Many senior dogs in Palm Beach
retirement age have from 266 applicants and Martin counties are enjoying their golden years in
achieved this type of nationwide to receive loving homes with ‘Furever Guardians’ thanks to the
control. In fact, two-thirds a grant to help local wonderful work of The Pet Cottage.”
of workers ages 65 and older say they work primarily because senior dogs and they Grover, age 15, is one of The Pet Cottage – Facts
they want to, not because they have to, according to a 2021 were awarded $5,000. many wonderful senior dogs • Between The Pet Cottage Sanctuary in Jupiter
study by Edward Jones and Age Wave. But that means The winning groups who are residents at The Pet Farms, Fla., and The Lifelong Guardianship Program,
that one-third of workers in this age group feel financially received a total of more Cottage Sanctuary. For more approximately 50 dogs and cats are being cared for.
compelled to work. This doesn’t necessarily mean they than $616,000 in grants to information, please visit www. • A key part of their mission is matching pets with
dislike the work they do — but it’s probably fair to say they help save or improve the thepetcottage.org/ or call seniors who want a companion – but would be frightened
would have liked the option of not working. How can you lives of at-risk older dogs (561) 818-5025. Photo by to accept the responsibility without the support of The
give yourself this choice? in their communities. Sandra Effertz Pet Cottage.
You can start by asking yourself these questions: “This grant will help us About The Pet Cottage
• When do I want to retire? You’ll want to identify the give senior dogs like 15-year-old Grover the veterinary We celebrate and protect the magical relationship
age at which you wish to retire. You may change your mind and dental care he needs to live out his best life,” said between people and their pets by providing homestyle
later and move this date up or back, but it’s a good idea to Wendy Derhak, executive director of The Pet Cottage.
have a target in mind. “No one is more grateful or loving than an old dog, and Senior Dogs on page 7
• 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 Peripheral
business or do some consulting? Clearly, some of these
choices will require more resources than others, so you’ll Neuropathy?
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 FREE Consultation
course toward your retirement journey, you’ll want to assess
the sources of income you’ll have available. If you think you
may be falling short of achieving your retirement goals, you for Acupuncture
may need to consider saving more.
• 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 Social Security
will depend on several factors, including your other sources 561-745-1002
of income and your family history of longevity. Of course, as
you’re probably aware, the Social Security system is facing 654 West Indiantown
significant financial stress, so it’s possible that we may see THE PATIENT AND ANY OTHER PERSON RESPONSIBLE FOR PAYMENT HAS THE RIGHT TO Road, Jupiter, FL 33458
REFUSE TO PAY, CANCEL PAYMENT OR BE REIMBURSED FOR PAYMENT FOR ANY OTHER
changes to Social Security, based on actions Congress could SERVICE, EXAMINATION OR TREATMENT WHICH IS PERFORMED AS A RESULT OF AND
WITHIN 72 HOURS OF RESPONDING TO THE ADVERTISEMENT FOR THE FREE, DISCOUNTED
take. In any case, you might want to be fairly conservative OR REDUCED FEE SERVICES, EXAMINATION OR TREATMENT. www.drlaruffa.com
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 work is
optional. But you’ll also need to consider other factors, too, CAMPBELL AND KARLIK, P.A.
such as how much you enjoy working or when your spouse or
partner is planning to retire. In any case, the sooner you start ATTORNEYS AT LAW
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, Wills • Trusts • Estate Planning • Probate
Member SIPC.
Edward Jones is a licensed insurance producer in Taxation • Real Estate • Corporations
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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