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www.SanTanSun.com Copperstar FROM PAGE 8


Catch the acting bug Along with its quality musical


productions, Copperstar Repertory Co. offers summer theatre camps for children ages 4 through 15. Kids 9 and older can take part in Musical Theatre Camp, learning dance, music, singing and drama in the morning, and rehearsing for an end-of-camp performance in the afternoon. The younger children participate


in Fun Tales, where they “experiment with story-telling, improvisation and puppets,” explains Copperstar’s founder and performing arts teacher Mary-Jo Okawa.


“This will be our fifth year,” she says.


“In every setting there are students who are anxious and eager to do something like this, and then there are some who are super shy and reluctant, but who find a niche – a place where they can shine. So it’s a wide gamut of kids, but we’ve found a really great formula to make it successful.” Session I runs June 4 through 15;


Session II July 2 through 13. Fun Tales costs $195 for one session, $300 for both, and is held three days a week from 9:30 to 11:30 a.m. Musical Theatre Camp is $295 for one session, $500 for both, and is held five days a week from 9 a.m. to 3 p.m., concluding with an evening performance. To learn more, call 480-699-1655, ext. 500, or visit www.copperstarrep.org.


Community Financial planning FROM PAGE 1 What was once accepted as


conventional wisdom regarding wealth- building has now been resoundingly rejected, leaving homeowners, investors and anyone concerned about the financial future anxious and confused. The problem is especially acute for retirees and those hoping to retire in the next 10 to 15 years, who can no longer rely on ever-appreciating home values or solid investment returns to see them through their golden years. “The rules for saving and investing


have drastically changed in the current low interest rate environment,” says John T. Hagensen, managing partner of Warren & Hagensen Wealth Management in Sun Lakes. “When CD rates were over 8%, retirement planning and managing your own portfolio was much less complicated; put the money in laddered CDs and live off the interest. Fast forward to present day, with inflation over 2%, most CD owners are watching their purchasing power erode, and most retirees find it difficult to take an 80 to 90% reduction in income and still maintain their present lifestyle.” In this shaky and frustrating economic


climate, many choose to pull money out of investments altogether or simply ignore them in hopes the problem will resolve itself. Hagensen says it’s not a good choice. “There is far too much volatility and


uncertainty right now to not have a legitimate strategy in place.”


John T. Hagensen STSN photo


Calculating moves Planning for a sound fiscal future can be intimidating. The best strategy is for individuals to look at the specifics of their own situation and make distinct choices on meeting their particular objectives, says Hagensen. “There are a lot of moving parts when calculating what your retirement number is. Some of the factors to consider are social security projections, tax-reduction planning, breakdown of tax-deferred accounts versus non- qualified and Roth IRA accounts, inflation adjustments, projected rate of


return on investments, long-term care insurance, life insurance, short and long- term liabilities, life expectance, desired income replacement and importance of inheritance for heirs.” Hagensen urges anyone seeking help with money management to do some research before selecting a financial advisor. “You would never see a doctor who hadn’t gone to medical school or a dentist who hadn’t gone to dental school,” Hagensen cautions. “Unfortunately there are many financial advisors who are operating practices, but when you peel back the layers, they have no professional designations and in many cases do not even have a college degree. These are not the type of people you want managing your life savings.” He also recommends a practical rather than emotional approach to finances. “Investors tend to act on emotion


with regard to their financial decisions and unfortunately this typically lends negative results,” says Hagensen. “When investors understand that there is absolutely no additional risk beyond what is needed to meet goals, it creates a strong peace of mind and confidence. This allows them to direct their energy toward the more important and meaningful aspects of their life.” Miriam Van Scott is a former Kerby


Estates resident who can be reached at Miriam@SanTanSun.com.


June 2 - 15, 2012


9


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