Page 18 - The Jewish Voice - November '22

Page 18, The Jewish Voice

Lifestyles from page 17 be careful and consider getting help from your financial and me to take the training necessary to be appointed and I joined
tax professionals. These funds can play a big role in your him in 2013 working with Medicare consumers. My mom
tract or cause bloating. Macadamia nuts can cause increased retirement income, so manage them wisely. was my first client.
body temperature, muscle stiffness, increased heart rate, and This article was written by Edward Jones for use by your Many people are great at internet research and can analyze
tremors. Pets seem to be attracted to alcohol, so don’t leave local Edward Jones Financial Advisor, Edward Jones, Member and choose a plan that works for them. But did you know: If
drinks unattended. It is no joke to get a pet drunk, and serious SIPC. you choose a plan and enroll, you cannot add a local agent
intoxications have occurred. Small amounts of antifreeze can Edward Jones is a licensed insurance producer in all states later. Your only resource is the 800 number on the back of
be fatal. Potpourri/potpourri oil can cause severe burns and and Washington, D.C., through Edward D. Jones & Co., L.P., your card.
ingestion can affect the nervous system. and in California, New Mexico and Massachusetts through Most EXTRA benefits of a local agent happen after you
A few other, often overlooked dangers include electric Edward Jones Insurance Agency of California, L.L.C.; Edward enroll. I am a resource for my members. I can reorder lost
shock from chewing on Christmas lights or other electrical Jones Insurance Agency of New Mexico, L.L.C.; and Edward cards, answer benefit questions, give a list of specialists,
cords and traumatic injuries from cats climbing trees or Jones Insurance Agency of Massachusetts, L.L.C. review notices, claim statements, and so much more. The
children climbing pets. Edward Jones, its employees and financial advisors cannot best part is there is NO COST to you, the Medicare recipient!
Holiday festivities can get stressful. You should provide provide tax advice. You should consult your qualified tax I’m an educator of Medicare Basics: I guide you through
a special quiet place to which your pet can retreat when the advisor regarding your situation. enrollment. We meet one on one to review and analyze your
excitement gets too stressful (sometimes, you may want Contact us at (561) 748-7600, Sally Sima Stahl, AAMS, specific health situation and needs. We review the features
to join him!). Family and guests are coming and going, 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458. and benefits and limitations of plans. I also look up costs of
so watch out for open doors and windows to prevent pets medications, check out doctors and networks, and compare
from escaping. Be sure your pet has a collar with tags or a Medicare Corner with Kathy O multiple plans with you.
microchip. Discourage visitors from feeding your pets treats; I speak Medicare: Supplement, Drug Plan, and Advantage
we want our pets to enjoy the holiday season with us — not I Speak Medicare Plan.
with vomiting and diarrhea. As an insurance agent For a free Medicare Plan review please call me.
The Palm City Animal Medical Center wishes you all a who specializes in Medicare Kathy Olejniczak, Agent
very happy and healthy holiday season. plans, I am often asked: 561-212-7640
Established in 1981, Palm City Animal Medical Center Why do I need a local agent?
is dedicated to providing the best possible care for your Medicare can be complex Do You Need Lung Cancer
pets. With focuses on compassionate care in surgery, and confusing with all the
physical therapy and rehabilitation, preventative medicine, different options and all Screening If You Quit Smoking?
extensive diagnostics, and emergency service, Palm City the mailers, commercials
Animal Medical Center combines exceptional medical that promise the moon, According to the
care with a caring philosophy for pets and their owners. suggestions, “facts” or stories American Cancer Society,
For more information, call 772-283-0920, visit www. you might hear from friends, smoking contributes to 80
palmcityanimalmedicalcenter.com, or find us on Facebook relatives, or neighbors. In and 90 percent of lung cancer
at www.facebook.com/PalmCityAnimalClinic. fact, my mom fell into this web of confusion, and I watched deaths in women and men,
her struggle with navigating plans as she moved between respectively.
Financial Focus North Carolina and Florida and during Annual Enrollment smoking? Quitting has some
But what if you quit
each year. She had complex medical issues and a fixed income
What Should You Know About Ira Rollovers? so additional benefits were very important to her. When I health benefits that start right
would ask her questions about her coverage, she had no idea away and others that can
By Sally Sima Stahl and no one to turn to for help. It broke my heart to see her lead to improved health over
If you’ve been contributing struggle and frustrated me that I didn’t have the knowledge many years.
to an IRA, you’ve chosen a to help her. I had a life and health license since 2008 but was The risk of having lung
great way to save and invest only trained in life insurance. I also did customer service for cancer or other smoking-
for retirement. All IRAs property and casualty but could not offer my own mom the related illnesses decreases Ivan Romero-Legro, M.D.
have potential tax benefits type of support I could give my clients at work. A close friend
and a range of investment working with United Healthcare Medicare plans encouraged Lifestyles on page 20
possibilities, but not all IRA
providers offer the same
features. So, if you decide
that your current IRA provider
is charging higher fees than
you’d like, or perhaps doesn’t offer as many investment choices
as you want, then you might choose to move your IRA assets Changing the way we
to another provider. How should you go about making this find love, one date at a time.
switch?
Here are some options to consider:
• Trustee-to-trustee transfer or direct rollover – You can ask
the financial institution holding your IRA to move the money
directly to another IRA. No taxes will be withheld from the
amount transferred at the time of the transfer. This method is
generally hassle-free, but some IRA sponsors will still only
mail the check to your address of record, so you’d have to
forward it to your new IRA.
• Indirect rollover – If you take an indirect rollover, also
known as a 60-day rollover, the assets from your existing
IRA will be liquidated and the custodian or plan sponsor
will send you a check or deposit the funds directly into your
bank or brokerage account. This payment may be subject to
withholding for federal taxes, and possibly state taxes, unless Happy Thanksgiving!
you opt out of withholding. You have 60 calendar days from
the time the funds were withdrawn to deposit the money,
including any amount withheld, into a new IRA. If you miss Connecting Real People in Real Life!
this 60-day deadline, the withdrawal may be taxable at your
personal income tax rate, and it could also be subject to an
early withdrawal penalty if you’re younger than 59 ½.
Given the immediate withholding and the possibility of
further taxes if you don’t move the money into a new IRA
before the 60 days are up, you’ve got much to consider before
initiating an indirect rollover. Consequently, you should consult
with a financial advisor and tax professional before you make CALL START LOVE
this type of move.
In addition to a rollover from an existing IRA, you may
someday want to move the money from your 401(k) or similar ♥ NOT Online Dating ♥ All Clients Pre-Screened
employer-sponsored retirement plan to an IRA. This can occur 31 31 ♥ Love Local ♥ Photos & Bios Created In-House
when you retire or change jobs, although if you do take on YEARSof ♥ 90% Success Rate ♥ One-on-One Matchmaking
MATCHMAKING
another job, you might have the options of leaving your 401(k) est. ♥ Private & Confidential ♥ Representing Ages 21-80+
1991
with your former employer or rolling it over into your new
employer’s plan. However, if you do want to move your 401(k) PALM BEACHES: 561.630.XOXO (9696)
funds into an IRA, you can make what’s known as a direct TREASURE COAST: 772.932.HERE (4373)
rollover, in which the administrator of your old retirement plan
will send you a check made payable to the custodian of your REVOLUTIONDATING.COM
IRA. No taxes will be withheld, but you need to get the funds #Gratitude #MenMagnets #TellYourFriends
transferred within 60 days to avoid any potential tax issues.
You spend years contributing to your IRA and 401(k) — Kelly Leary, M.S.
THE Florida Matchmaker
and for good reason. So, when it’s time to move that money,