Page 6 - Jupiter Ocean Mile - December '22

Page 6, Jupiter Ocean Mile
Financial Focus

Avoid Becoming “Burden” On • Plan for health care costs. Once you are retired, • Evaluate your housing needs. As you enter retirement,
you may want to evaluate your living situation. Could you
health care costs will be a significant expense. You may
Grown Children have Medicare, but you’ll also want to consider your need downsize to a smaller home, or perhaps a condominium
for supplemental health insurance to cover traditional or apartment? Not only might you save money with such
By Sally Sima Stahl medical costs. And you’ll want to consider another a move, but you could also end up relieving your grown
Here’s an interesting potential health-related expense: long-term care. You may children of the responsibilities and hassles involved in
statistic: Some 72 percent never need the services of a home health aide or a stay clearing out and selling your home should you become
of retirees say one of their in a nursing home, but no one can predict the future. unable to do so yourself during the later years of your
biggest fears is becoming Medicare does not cover most costs for long-term care, retirement.
a burden on their families, which can be quite high. In 2021, the annual national By taking these measures, along with others, you can
according to a 2021 survey median cost for a private room in a nursing home was go a long way toward maintaining your independence
by Age Wave and Edward over $108,000, while the median cost for a full-time home and putting yourself in a place where you won’t burden
Jones. Both before and during health aide was nearly $62,000, according to a survey your grown children. And that’s a good place to be.
retirement, what steps can you by Genworth, an insurance company. You may want to This article was written by Edward Jones for use by
take to avoid burdening your consult with a financial professional on strategies for your local Edward Jones Financial Advisor, Edward
loved ones in the future? protecting yourself from these costs. Jones, Member SIPC.
Here are a few suggestions: • Create necessary legal documents. If something were Edward Jones is a licensed insurance producer in
• Build your retirement savings. The greater your to happen to you, and you didn’t have the appropriate all states and Washington, D.C., through Edward D.
financial resources, the less likely it becomes that you’d legal documents in place, your loved ones could be placed Jones & Co., L.P., and in California, New Mexico and
ever have to count on your grown children for financial in a bind, both financially and emotionally. That’s why Massachusetts through Edward Jones Insurance Agency
support. You may have access to a 401(k) or similar it’s a good idea to create documents such as a durable of California, L.L.C.; Edward Jones Insurance Agency
retirement plan at work, so take advantage of it. Even with financial power of attorney, which lets you name someone of New Mexico, L.L.C.; and Edward Jones Insurance
an employer-sponsored plan, you also may be eligible to to manage your finances if you became incapacitated, and Agency of Massachusetts, L.L.C.
contribute to an IRA. In addition to offering a variety of a durable power of attorney for health care, which allows Edward Jones, its employees and financial advisors
investment options, a 401(k) and IRA provide potential someone to make medical decisions on your behalf if you cannot provide tax advice. You should consult your
tax advantages. And once you do retire, be careful about can’t make them yourself. You’ll want to work with a qualified tax advisor regarding your situation.
how much you withdraw each year from your retirement legal professional to develop the documents appropriate Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
plans and other investments. for your needs. 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
Is Your Child Smart?

By Jim Forgan, Ph.D., underrepresented group and meet the criteria specified in together in classes for the entire school day in grades
School Psychologist a school district plan for increasing the participation of three through five. Second, the enrichment model works
Most children are underrepresented groups in programs for students who as a “pull-out” program from the regular classroom for
smart and a child can be are gifted. one day per week for students who are excelling in grades
intelligent in multiple You may seek private IQ testing or request it from kindergarten through five. Martin Schools have a gifted
ways. The Palm Beach and your child’s school. According to the Palm Beach County handbook available at Martinschools.org/page/gifted.
Martin Schools offer gifted School District gifted web page, they universally screen Children who meet the gifted criteria receive a special
classes for children who second-grade students for gifted with the cognitive educational plan to meet their individual academic and
meet the IQ requirement abilities test. This is a group-administered assessment social needs. The plan is implemented by teachers with a
for being “gifted.” The that estimates students’ learned reasoning and problem gifted teaching certification endorsement. Gifted classes
eligibility requirements solving abilities through a battery of verbal and nonverbal allow for project based learning and enrichment beyond
are defined by the state test items. They offer full-time gifted classes starting in the typical Florida standards.
of Florida and followed by local schools. Your child is kindergarten. You can learn more at: palmbeachschools. Call if you need help with your child as we test children
eligible for special instructional programs for the gifted org/students_parents/ese/gifted. ages 5.5 through college for gifted, dyslexia, ADHD,
from kindergarten through grade 12 if they meet the In the Martin Schools they offer two elementary depression, anxiety, and other processing disorders. Visit
following criteria. choices. First, the full-time model has gifted students JimForgan.com or dial (561) 625-4125.
First, your child demonstrates a need for a special
program through strong grades. Second, they have a
majority of characteristics of gifted students according
to a checklist completed by the teacher. Third, they
demonstrate superior intellectual development as
measured by an Intelligence Quotient (IQ) score of 130
or above. Alternatively, your child can be a member of an
$ $ 489 Reg. 589 $ 250
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