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Knollwood A military retirement residence


Understand your retire- ment plan’s rules. Retirement plans like In- dividual Re-


Over 50 years of serving the military family Ɛ ƚŚĞ ŶĂƟŽŶƐ ĮƌƐƚ ƌĞƟƌĞŵĞŶƚ ĐŽŵŵƵŶŝƚLJ ĞdžĐůƵƐŝǀĞůLJ ĨŽƌ ŵŝůŝƚĂƌLJ


ŽĸĐĞƌƐ ĂŶĚ ƚŚĞŝƌ ĨĂŵŝůŝĞƐ <ŶŽůůǁŽŽĚ ĐĂƚĞƌƐ ƚŽ ƚŚĞ ůŝĨĞƐƚLJůĞ LJŽƵ ĞdžƉĞĐƚ ĂŶĚ ĚĞƐĞƌǀĞ ŝŶ ĨŽƵƌ ĚŝƐƟŶĐƚ ůĞǀĞůƐ ŽĨ ĐĂƌĞ :ƵƐƚ ŵŝŶƵƚĞƐ ĂǁĂLJ ĨƌŽŵ ĚŽǁŶƚŽǁŶ


ŝŶĚŽŽƌ ƉŽŽů ĐŚĂƉĞů ǁĂůŬŝŶŐ ƉĂƚŚƐ ĂŶĚ ĚĂŝůLJ ƚƌĂŶƐƉŽƌƚĂƟŽŶ ƚŽ tĂůƚĞƌ ZĞĞĚ EĂƟŽŶĂů DŝůŝƚĂƌLJ DĞĚŝĐĂů ĞŶƚĞƌ Ăƚ


ĂŶĚ ŽǀĞƌůŽŽŬŝŶŐ ZŽĐŬ ƌĞĞŬ WĂƌŬ ĂŵĞŶŝƟĞƐ ŝŶĐůƵĚĞ ĂŶ ĞƚŚĞƐĚĂ


Ăůů ƵƐ ƚŽĚĂLJ


KǁŶĞĚ ĂŶĚ ŽƉĞƌĂƚĞĚ ďLJ


;ဒϬϬ ϱϰϭ-ϰϮϱϱ ϲϮϬϬ KƌĞŐŽŶ ǀĞ Et tĂƐŚŝŶŐƚŽŶ


ǁǁǁĂƌŵLJĚŝƐƚĂīŽƌŐ ϮϬϬϭϱ


Serving the heroes of yesterday... Supporting the heroes of today.


tirement Accounts, 401(k)s/Thrift Savings Plan, and some insurance annuities stipulate that withdraw- als prior to age 59½ can have costly tax consequences. There are work- arounds, but get fi nancial advice if necessary to ensure you do things properly. If you can’t pull from your retirement accounts because of the age requirements, you’ll have to de- velop other plans for income.


Test the waters. Work part-time to ease into the retired lifestyle. It not only al- lows for ad-


ditional contributions to investment plans and supplements your income, but it also helps you adjust emotion- ally to retirement. Retiring can be a signifi cant emo-


tional event for some because of the perceived loss of purpose and service and lack of a mission or deadlines to drive your days. “You need to think this through at


T rough our partnership with USO Northwest, we continue our ongoing tradition of caring for military heroes and their families...past, present, and future.


Learn More About The Northwest’s ONLY


Military Retirement Community Today! $PUUBHFT


.BSTIBMM $JSDMF t %V1POU 8" 68 MILITARY OFFICER MARCH 2014


"QBSUNFOUT t "TTJTUFE -JWJOH t 4FDVSF .FNPSZ $BSF t


www.patriotslanding.com


the strategic level,” Koslov says. “If you, like so many Americans, are a ‘live to work’ rather than a ‘work to live’ person, don’t retire early — you will neither be content nor happy.” Remember, retiring early is not a


pipe dream, but it does require de- sire and preparation.


MO


— Lt. Col. Shane Ostrom, USAF (Ret), is a CFP® and benefi ts information expert at MOAA. He writes the Financial Forum department.


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