Page 8 - Jupiter Ocean Mile - October '22
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Page 8, Jupiter Ocean Mile
      Northern Notes



      Preserving The Preserves                          behind a resident’s home. When one of the palms dropped to
                                                        the ground, seven newborn squirrels fell out of it. Staff had to
      By Katie Roundtree,                               build a temporary “home” for the babies close to the tree and
      Director of Finance and                           hope that the mother came back to find them. Many bird nests
      Administration, Northern                          can also be lost because of cutting plants down.
      Palm Beach County                                   A 2019 study in south Florida found that cavity nesters,
      Improvement District                              native woodpeckers specifically, favored palm snags over pine
        Northern owns and                               trees or maples in urbanized tropical regions. A snag is a dead
      maintains approximately                           tree. This is even more of a reason to keep standing snags in
      2,000 acres of preserves                          the preserve. We had a resident request to take out a maple snag
      throughout the 128-square-                        from behind his home. It wasn’t threatening any property, just
      mile district. It is an integral                  was a bit of an eyesore. Northern staff went to check it out and
      part of many of our residential                   as soon they got close to the tree, a woodpecker flew towards
      communities and a pristine                        them and into a small cavity it had built in the tree. Not only   exposure to the poison and will likely die. If we start targeting
      area of native Florida that we strive to protect. Since these   was there a nest, but there were several baby chicks inside that   organisms on the lower end of the food chain, this will disrupt
      areas sometimes lie behind residents’ houses, we get many   the woodpecker was feeding. Even more importantly, many of   the rest of the food chain and could cause serious harm to the
      calls to trim back trees or take out trees that are not aesthetically   these birds and their nests/eggs are protected by federal law   health of the preserves.
      pleasing. If it is warranted or threatening to property, we will   (The Migratory Bird Treaty Act).    An essential part of preserving the preserves is to let
      trim back or remove vegetation, but in most cases, trees should     We also get requests to remove rodents from preserves.   nature be nature. Removing exotic species of plants and
      be left in their native state. Why is this? Why can’t we make   Northern staff does not treat for rodents or any other pests in   allowing for nature to take its course are important for the
      the preserve areas look like parks?               the preserves. The baits and poisons used for that purpose are   health of the preserves and the rest of our environment in
        First and foremost, we are required through permit with   designed to attract and kill rodents but are also known to attract   South Florida. Nature is not always perfectly groomed, but
      South Florida Water Management District (SFWMD), not to   other nontarget mammals. Aside from the risk of primary   for everything there is a purpose. What may seem like an old
      remove or kill any native trees or plants in the preserve. As for   exposure to nontarget mammals in the preserves, there is also   ugly tree to you, may be home to birds and other wildlife.
      other more ecological examples, native trees and vegetation   the risk of secondary exposure.        Leaving the preserves in their natural state is required and
      provide many benefits to wildlife. Cabbage palms are Florida’s     Rodents, including mice and rats, are a key component   the right thing to do.
      state tree. They provide housing for many animals such as   of the food chain in the natural ecosystems throughout the     NPDES tip: Planting a rain garden with native plants
      squirrels, racoons, frogs, lizards, etc. Small rodents, lizards,   preserves. Many of the desired animals in the preserves rely   somewhere around your home helps lock rainwater in the
      insects, and even rare plant species rely on the uncut “boots” on   on rodents as food, including animals such as hawks, owls,   ground, reducing the flow of pollutants and poisons into the
      a palm for a home. Squirrels and birds will use the palm thatch   bobcats, foxes, and snakes. When the rodents are poisoned,   drains. Using organic fertilizers and pesticides in your garden
      as nesting material and will often nest in the palm. Recently   they become weak and are easy prey for predators. If these   further protects and brings health to your yard and all the
      staff and preserve crews removed three cabbage palms from   predators eat the poisoned rodents, they will get secondary   species living there.
      Financial Focus




      Should You Consolidate                            find it easier to manage your investment mix and to rebalance     So, if you do have multiple retirement accounts, give
                                                                                                           some thought to consolidating them. The consolidation
                                                        your portfolio as needed. The need to rebalance may become
      Retirement Accounts?                              more important as you near retirement because you may want   process is not difficult, and the end result may save you time
                                                        to shift some of your assets into investments that aren’t as   and hassles, while also helping you manage your retirement
      By Sally Sima Stahl                               susceptible to swings in the financial markets.    income more effectively.
        One of the rewards for                            • Possible improvement in investment options – Often,     This article was written by Edward Jones for use by
      working over several decades                      401(k)s may have limited investment selection, so consolidating   your local Edward Jones Financial Advisor, Edward Jones,
      is the ability to contribute to                   accounts with a full-service firm may allow for a wider array of   Member SIPC.
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      years went by, you may well                       minimum distributions, or RMDs — from your traditional   Jones Insurance Agency of New Mexico, L.L.C.; and Edward
      have accumulated several                          IRA and your 401(k) or similar plan. If you don’t take out   Jones Insurance Agency of Massachusetts, L.L.C.
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      IRAs and 401(k)s or similar                       account balance, you could face a penalty. If you have several   provide tax advice. You should consult your qualified tax
      employer-sponsored plans. But you might find it advantageous   accounts, with different providers, it could be cumbersome and   advisor regarding your situation.
      to consolidate these accounts with a single provider.  difficult to calculate your RMDs — it will be much easier with     Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
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      benefits, including these:
        • Less confusion and clutter – If you have multiple accounts
      in different locations, it may be difficult to keep track of tax
      documents, statements, fees, disclosures and other important
      information. Consolidating accounts could help provide clear,
      simplified account maintenance.
        • Less likelihood of “lost accounts” – It may be hard to
      believe, but many people abandon their retirement accounts,
      leaving thousands of dollars behind and unclaimed.
        In fact, at the end of 2021, there were nearly 25 million
      forgotten 401(k) accounts, worth about 20 percent of all 401(k)
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      services company that helps individuals roll over retirement
      plan assets into new accounts. It’s possible that employers can
      even move small, old accounts out of their 401(k) plans and into
      an IRA on behalf of their former employees, thus increasing
      the chances that savers will lose track of their money. By
      consolidating your retirement plans with one provider, you can
      ensure you don’t lose track of your hard-earned money.
        • Ability to follow a unified strategy – With multiple
      retirement accounts, and different investment portfolios, you
      might find it difficult to maintain a unified financial strategy
      that’s appropriate for your goals and risk tolerance. But once
      you’ve consolidated accounts with a single provider, you’ll
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