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Financial News Plan for Retirement as You


Would a Vacation By Reesa Manning


I hear from clients is: Will I have enough money to stop working and retire? Fund- ing retirement is one of people’s most worrisome financial concerns. Yet most of us spend more time planning a vaca- tion than we do planning for a comfort- able retirement.


this: Where are we going and when? How will we get there? How long and where will we stay? How much is it going to cost us?


Typical vacation planning starts like One of the most frequent questions


hotel, eat at the finest restaurants, and stay until the money runs out.


The difference between these two ap-


proaches is that the former involves set- ting a goal and managing money to reach it. The latter is an impulse-driven approach based on dreams, wishes and hope.


To be more than a dream, an invest-


like most plan for retirement, here’s what it might sound like: Okay, honey, it’s time for our dream vacation. Pack the bags; We’ll go to an airport and take the first plane we can catch. We’ll stay in the best


Yet, if people planned their vacations


ment goal should include the following: 1) Time Horizon: When will you need it? 2) Amount: How much money will you need? 3) Term: For how long will you need it? 4) Resources: How much do you already have put aside, and how much more can you put aside every year, and 5) Rate of Return: What rate of return will you need? Now, let’s see what’s involved in answering these questions:


When Do You Want to Retire? This is where you start with your dream.


If you’ve always dreamt of retiring at 55, run the numbers and see what happens.


How Much Annual Income Do You Want to Make?


where from 60% to more than 100% of your current annual household budget. If you can’t decide, start with 80%.


How Long Will You Need It? If you reach the age of 65, the odds are


good that you’ll live at least to age 85, so use that age for your calculations. If you’re older than 65, add 20 years to your time horizon.


How Much Savings Do You Have Already, and How Much Will You Have When You Retire?


Start with how much you’ve already accumulated in retirement assets, and how much these assets will total by the time you retire, given how much you put away and the rate at which it’s growing. Also any other sources of annual income,


Simple rules of thumb indicate any-


May/June 2011 News from the Valley’s Integrated Health Community


including Social Security, a pension, and rent or royalties, plus the value of the sale of any assets like investment property or a business.


What Annual Rate of Return Do You Need?


from the answers to the preceding ques- tions. Likewise, the investment choices you make and returns you earn will be heavily dependent on these answers.


gent review of your current situation, po- tential future challenges, and goals. To al- leviate your concerns and ensure that you are on track for a secure retirement, con- sult with a professional financial advisor who specializes in retirement planning. Together you can discuss optimal invest- ing strategies and a strategic long-term plan geared to your specific needs…and dreams.


Reesa Manning is a Senior Financial Advi- sor at Integrated Wealth Management. For more information, call Reesa at (760) 834.7200 or e-mail Reesa@IWMgmt.com.


Planning for retirement requires a dili- The answer to this must be derived


www.iwmgmt.com


Why We Should LOVE the SUN Continued from front page


in better sleep and overall health.8 Reduce anxiety: Serotonin, a neurotrans-


mitter that is often lacking in people with anxiety and depression, is thought to be in- creased by Vitamin D, as possibly are other essential neurotransmitters such as Dop- amine.8


Fight Seasonal Affective Disorder (SAD):


Snowbirds know this one! If you suffer from SAD during the winter, introduce more sun- light into your environment through open shades and windows.8


Disease Prevention Reduce the chance of multiple sclerosis:


There are indications that Vitamin D can help ameliorate some of the symptoms as- sociated with MS and even fight against its development. This theory is supported by the geographic distribution of MS, which is nearly zero in equatorial regions and in- creases dramatically with latitude in both hemispheres.9


Reduce risk of rheumatoid arthritis:


Women living in the northeastern US are more likely to develop rheumatoid arthritis (RA), suggesting a link between the autoim- mune disease and vitamin D deficiency10


Reduce the risk of type 2 diabetes: Mul-


tiple studies suggest that Vitamin D, along with calcium, may help reduce the risk for developing the disease.11


In addition, both


nutrients may be beneficial in optimizing glucose metabolism12


Prevent high blood pressure: A growing www.jensensfoods.com


body of research suggests that vitamin D may play a role in blood pressure regulation and heart health. It is known, for example, that cases of high blood pressure increase during the winter and in places that are fur- ther from the equator.13


Cancer risk reduction: Studies show that


Vitamin D could actually aid in reducing the risk of different cancers. And some cancers are actually encouraged by a lack of Vitamin D.8


www.DesertHealthNews.com


Dermatologists May Disagree The nation’s largest dermatology group


remains unconvinced. In a recent press release, the American Academy of Derma- tology wrote that they were “deeply con- cerned” that messages that unprotected sun exposure may have health benefits could “mislead the public about the very real danger of sun exposure, the leading cause of skin cancer.”


As with all things related to health and


wellness, moderation is the key. The recom- mended exposure to direct sunlight is 15-20 minutes daily14


, however a sun burn is never


recommended. For longer periods of expo- sure, SPF 15+ should be selected and used regularly based on skin type.


So be wise, but get outside and embrace


that big yellow ball in the sky…I’ll see you out in the sun!


1) Harvard Medical School Family Health Guide June 2004; 2) Na- ture Immunology, March 2010 Professor Carsten Geisler, of the De- partment of International Health, Immunology and Microbiology at the University of Copenhagen in Denmark; 3) 2. Adams and Hollis, “Vitamin D: Synthesis, Metabolism, and Clinical Measurement.” In: Coe and Favus, eds., Disorders of Bone and Mineral Metabolism, Philadelphia: Lippincott Williams and Wilkins (2002) p. 159. 4) An- ticancer Res. 2009 Sep;29(9):3713-20. The dependency of vitamin D status on body mass index, gender, age and season.; 5) Gregory A. Plotnikoff, MD, of the University of Minnesota Medical School; 6) Vitamin D and outcomes in chronic kidney disease. Cheng S, Coyne D. 2007 Mar;16(2):77-82. Division of Nephrology, Washing- ton University School of Medicine; 7) Sunlight and vitamin D for bone health and prevention of autoimmune diseases, cancers, and cardiovascular disease. Holick MF. Department of Medicine, Bos- ton University Medical Center 2004 Dec;80(6 Suppl):1678S-88S; 8) Issues Ment Health Nurs. 2010 Jun;31(6):385-93. Vitamin D and depression: where is all the sunshine? Penckofer S, Kouba J, Byrn M, Estwing Ferrans C. Loyola University Chicago, School of Nurs- ing, Maywood, Illinois; 9) Department of Biochemistry, University of Wisconsin-Madison Proc Soc Exp Biol Med. 1997 Oct;216(1):21-7. Vitamin D and multiple sclerosis.Hayes CE, Cantorna MT, DeLuca HF.; 10) Arthritis Rheum. 2004 Jan;50(1):72-7.Vitamin D intake is inversely associated with rheumatoid arthritis: results from the Iowa Women’s Health Study. Merlino LA, Curtis J, Mikuls TR, Cerhan JR, Criswell LA, Saag KG; Iowa Women’s Health Study.College of Public Health, University of Iowa, Iowa City. 11) DIABETES: Vita- min D and Calcium Intake in Relation to Type 2 Diabetes in Women Anastassios G. Pittas, MD, Division of Endocrinology, Diabetes and Metabolism, Tufts-New England Medical Center; 12)The Jour- nal of Clinical Endocrinology & Metabolism Vol. 92, No. 6 2017- 2029 Copyright © 2007 by The Endocrine Society 13) BP: Lind, L, Wengle, B, Wide, L, et al. Reduction of Blood Pressure During Long-Term Treatment With Active Vitamin D (Alphacalcidol) Is De- pendent on Plasma Renin Activity and Calcium Status. A Double- Blind, Placebo-Controlled Study. Am J Hypertens 1989; 2:20.(14) National Institutes of Health


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