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HEALTH

AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 1

Health

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HEALTH

2 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026

Setting the stage for a great school year DR. LAURA SHEFNER lshefner@metrohealth.org

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his month, our family is preparing for another milestone: our son will start kindergarten this fall. For the most part, he is eager and excited, but like many children facing a new chapter, I know he feels a bit anxious – as do we as his parents.

Whether it’s their first year of school or their 12th, the start of a new school year can be intimidating. For parents, the stress often comes from making sure registration is complete, especially if it’s a new school, ensuring all the necessary supplies are purchased, and encouraging their children to finish the summer assignments they’ve likely put off.

Kids have their own worries: whether they’ll like their teacher, have friends in their class, be able to keep up with the material and more. While the start of a new school year can seem daunting, there are steps we can take to make the transition to the classroom – or back to the classroom – a little easier.

For children starting school for the first time, or those attending

a new school, the experience can feel less intimidating if they have a chance to see the building beforehand. Many kindergartens offer an orientation or drop-in day so children can become familiar with the environment before their first day. If your school doesn’t provide this opportunity, consider arranging an informal visit. Even walking around the school grounds can make the setting feel more familiar and less overwhelming.

It can also help both children and parents feel more prepared by reviewing the route to school ahead of time, whether the child will be taking the bus, walking or being dropped off. If your child will be walking independently, practicing the route together during the summer can help build confidence and ensure they know how to get there safely.

It’s also helpful to review the daily schedule in advance so your child knows what to expect. Make sure you know what time school starts and ends, and have a plan in place for younger children when they arrive home. Check whether your child will need to bring a lunch or snacks, and review any school guidelines about what foods are allowed. Some schools also allow students to bring water bottles, while others have specific restrictions.

It’s also a good idea to review the school’s dress code to make sure your child’s clothing meets any requirements and to determine whether they should bring an extra change of clothes.

Schools should have released their supply lists by now, so review them ahead of time to avoid scrambling for supplies the weekend before school starts.

Some children may need to keep medications at school. If so, make sure you have enough medication available and find out what medical forms or documentation the school requires, especially if your child is starting a new school or taking a new medication.

Finally, choose a backpack with wide, padded shoulder straps and a padded back panel to help distribute weight evenly and reduce the risk of back strain.

While it’s important to make sure children are physically ready for school, it’s just as essential to ensure they’re mentally prepared.

For many children, especially older students and teenagers, summer sleep schedules can be very different from those during the school year. Start adjusting bedtimes and wake-up times at least two weeks before the first day of school. Gradually moving bedtime earlier each night can make the transition easier and help children adapt to the school-year routine. This is also a good opportunity to establish or reinforce healthy bedtime habits, such as avoiding screens right before bed and keeping electronic devices out of the bedroom.

If you think your child is nervous about returning to school, look for ways to reassure them. Talk about the positive aspects of the new school year, such as making new friends, reconnecting with classmates they may have missed over the summer and participating in activities they enjoy.

By taking these steps ahead of time, you can help your child start the school year with confidence and set the stage for a successful year.

Dr. Laura Shefner writes about pediatric care for the Cleveland Jewish News. She is a pediatrician at The MetroHealth System and practices in Beachwood and Parma.

DISCLAIMER The Cleveland Jewish News does not make endorsements of political candidates and/or political or other ballot issues on any level. Letters, commentaries, opinions, advertisements and online posts appearing in the Cleveland Jewish News, on cjn.org or our social media pages reflect the views and thoughts of the writer and do not necessarily reflect the opinions of the Cleveland Jewish Publication Company, its board, officers or staff or any other organization unless explicitly stated.

HEALTH

AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 3

The last hurrah of summer: When childhood adventures lead to broken bones DR. SHERYL HANDLER-MATASAR

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columnists@cjn.org

s August arrives, many families are squeezing in one last camping trip, bike ride, day at the pool, or afternoon at the playground before school begins. These carefree summer days create lasting memories – but they also bring an increase in childhood fractures. As a pediatric orthopedic surgeon, I see this pattern every summer.

The good news is that children’s bones are remarkable. Because they are still growing, they heal much faster than adult bones.

Furthermore, growing kids’ bones have the remarkable ability to “remodel” themselves from being slightly crooked to straight unlike the bones of adults. Even so, recognizing when an injury needs prompt medical attention can make all the difference in ensuring proper healing and a safe return to play.

Children break bones in many common ways. Falls from bicycles, scooters, monkey bars, trampolines, and backyard playground equipment are among the most common causes. Summertime sports such as soccer, football, baseball, and basketball also contribute to the late-summer surge in fractures as children try to fit in every last adventure before school starts.

It isn’t always easy to tell the difference between a sprain, a contusion, or a fracture.

While all these injuries can cause pain and swelling, warning signs of a broken bone include significant tenderness directly over the bone, obvious deformity, inability to bear weight or use the injured limb, or persistent pain that does not improve with RICE – rest, ice, compression and elevation. When in doubt, a medical evaluation will determine whether X-rays are needed and help guide treatment.

One important difference between children and adults is the presence of growth plates – areas of developing cartilage near the ends of long bones in the arms and legs. These growth plates can be weaker than the surrounding ligaments and can be injured during a fall or hard collision. Because an untreated growth plate injury can affect future bone growth, it is

important not to dismiss ongoing pain simply because there is no obvious deformity.

Fortunately, most childhood fractures can be treated without surgery. As long as the skin is in good condition, arm and leg casts can be waterproof. We also use removable braces or boots when appropriate. These allow children to remain surprisingly active while healing if it is safe for the healing bone. In some cases, surgery is necessary to properly align and fix the broken bone, particularly after more severe injuries, but this is the exception rather than the rule.

Parents and caregivers can help prevent injuries. Make sure children on bicycles, scooters, and skateboards use properly fitted helmets. Encourage children to wear appropriate protective gear for sports, supervise trampoline use (one child at a time, with a net), and remind young athletes that fatigue and dehydration increase the risk of falls and injuries. As exciting as the final weeks of summer can be, a little caution goes a long way.

Perhaps the most rewarding part of caring for children with fractures is watching their resilience. A child who arrives in the orthopedic

office frightened and in pain is often back to sports or the playground sometimes just three to four weeks later. Their ability to heal is truly remarkable.

As your family enjoys these final days of summer, embrace the adventures that make childhood special. With a few simple safety precautions – and prompt attention when injuries occur – you can help ensure that the season ends with happy memories rather than lingering problems.

Dr. Sheryl Handler-Matasar is a pediatric orthopedic surgeon at Akron Children’s and director of the system’s Mahoning Valley Orthopedic Surgery and Clubfoot Clinic.

DISCLAIMER

The Cleveland Jewish News does not make endorsements of political candidates and/or political or other ballot issues on any level. Letters, commentaries, opinions, advertisements and online posts appearing in the Cleveland Jewish News, on cjn.org or our social media pages reflect the views and thoughts of the writer and do not necessarily reflect the opinions of the Cleveland Jewish Publication Company, its board, officers or staff or any other organization unless explicitly stated.

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4 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026

The key to intermittent fasting DR. SETH LEVINE sethdlevinedo@gmail.com

Just don’t eat … to lose weight.

This adage, as common sense would have it, is true but with qualifiers being necessary of course. So much in medicine comes down to good old-fashioned common sense, and as common sense would have it, if you achieve a calorie deficit each day – meaning less calories going in than coming out – it will result in weight loss.

How can one safely achieve this, medically speaking?

Intermittent fasting, I believe, is the key.

I can speak from personal experience. Many patients can as well.

The key: fasting the right way, and not to excess. I lost about 15 pounds in two months with this strategy, of course combining it with exercise (30 minutes most days, get the heart rate up), and avoiding sugar/sweets/chips/late night snacking, you know, all the good stuff ).

Take a free day on the weekend where you switch the routine up and have brunch with some eggs. It’s the overall weekly trend and the routine that matters.

Of course, talk to your doctor first because, in general, fasting is not advised for diabetic patients, pregnant women or kids. However,

if you’re generally healthy and want to lose weight try intermittent fasting, which essentially means putting your body into a fasting state where you start to burn fat cells.

An early fasting state starts around four hours from your last meal, but a good target is to reach the six-to-eight-hour period of fasting per day.

My routine is as follows: • Oatmeal for breakfast with blueberries.

• Chicken wrap with hummus for lunch (small portion, hand-sized) • Fast for eight hours.

• Then proceed with a normal dinner. Eat what you want for dinner, just not to excess of course.

• During the day while fasting, drinking water or black coffee won’t take your body out of fasting, so you’re safe, and still losing.

The health benefits of intermittent fasting are emerging by the day, which include lowering blood pressure, lowering cholesterol levels, regulating glucose, decreasing oxidant stress on your cells (which in turn can lower cancer risk) and decreasing the risk of cardiovascular disease.

Intermittent fasting can help you lose 250 calories per day, which equates to 0.5 pounds per week. It doesn’t exactly burn calories, but it reduces hunger hormones like ghrelin your body, so you eat less and aren’t as hungry.

Give fasting a try and see if you can achieve some of your weight-loss goals.

Dr. Seth Levine writes about internal medicine for the Cleveland Jewish News. He is an internal medicine physician at the UH Internal Medicine Center in Independence.

Retronyms: Words that used to mean something else DR. ROXANNE SUKOL columnists@cjn.org

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ur food supply has undergone an unprecedented change in the past century. The drive to decrease consumer costs while maximizing profits has compromised the quality of our food supply to an astonishing degree. This phenomenon is reflected in the actual words we use to talk about food. Words that describe food have come to mean something quite different than what they meant just a few generations ago.

Despite the country meadow scene on the cartons, you can be sure that the dozens of eggs for sale at conventional supermarkets were laid by chickens that never saw a sunny day. If you’re looking for eggs from chickens raised the old-fashioned way, you’re looking for “free-range” chickens. Inasmuch as our fragile, centralized food industry depends heavily on fertilizers and pesticides to increase crop yield and protect against insects and other predators, strawberries and potatoes grown without such interventions are “organic” or “pesticide-free.” “Wild” salmon, the kind that swim upstream to spawn, grow strong and healthy, not to mention nutritious, on what salmon have always eaten.

Plain old milk, without any of the butterfat removed, is called “whole” milk.

The list goes on. Old-fashioned oats, pastured lamb, whole-wheat flour, hormone-free milk. These are retronyms, objects or concepts whose original names now mean something else. If more typical examples of retronyms (e.g., rotary phone, analog watch, black-and-white TV, acoustic guitar, cloth diaper, landline, biological parent, tap water) reflect a century of explosive technological change, what are they doing in our food?

Steaks at conventional supermarkets come from steer raised in a feedlot, or confined animal feeding operation, on grain, growth hormones, and antibiotics. If that’s not the kind of beef you want, you have to go to a different store and specify that you want “grass-fed” beef. One-hundred-andtwenty-years ago my great-grandfather, a butcher, had no reason to advertise his beef as grass-fed. That’s what cows ate, and that’s what he meant when he advertised “beef for sale” in the front window.

Although we continue to describe foods with the same words we have always used, the words no longer mean what they once did. “Wheat,” the staff of life, no longer refers to the entire grain, with its intact bran fiber coat, starch core, and wheat germ. Now it means only the starch core of the grain, otherwise known as the “endosperm.” In the 21st century, intact wheat is now called “whole-grain.” Another retronym.

Before the industrial revolution changed the American landscape, most goats, cows, hogs and chickens lived out in the barn, or alongside the house. Vegetables grew out back by the kitchen door. Leftover vegetables became animal feed, or got tossed into the compost pile, which families then used to fertilize the vegetable gardens. That world, in which people lived in an endless chain of recycled biomass, is virtually extinct in the United States. Our food supply has been redefined.

Dr. Roxanne Sukol writes about adult health, preventative medicine and wellness for the Cleveland Jewish News. She is a retired internal medicine physician from Cleveland Clinic.

DISCLAIMER The Cleveland Jewish News does not make endorsements of political candidates and/or political or other ballot issues on any level. Letters, commentaries, opinions, advertisements and online posts appearing in the Cleveland Jewish News, on cjn.org or our social media pages reflect the views and thoughts of the writer and do not necessarily reflect the opinions of the Cleveland Jewish Publication Company, its board, officers or staff or any other organization unless explicitly stated.

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AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 5

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University Heights expands senior services through Community Partnership on Aging MARTHA SOROHAN msorohan@cjn.org

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he city of University Heights took a step forward in February when it joined the Community Partnership on Aging, a nonprofit dedicated to improving seniors’ quality of life and helping them live independently in their homes as long as possible.

University Heights is the eighth city to join the network, in addition to the original cities of Lyndhurst, Highland Heights and South Euclid, and then Mayfield Heights, Mayfield, Richmond Heights and Gates Mills.

Gates Mills, like University Heights, Sattin joined in February.

University Heights had already begun extending services for seniors in January by partnering with the Cleveland Heights Community Center, giving seniors age 60 and up access to the Senior Activity Center at no cost.

“This created an amazing offering to our residents,” Renee Krause, University Heights communications coordinator and assistant to the mayor, told the Cleveland Jewish News.

University Heights residents with Silver Sneakers have always had free access to the Cleveland Heights Community Center’s fitness center, she said, but now they have access to its programs as well.

Other CPA programs include free meals, transportation, programs, access to social workers and more.

CPA Executive Director Wendy Sattin calls it an efficient “one-stop shop for cities.”

“The appeal is that we are so multi-faceted,” she told the CJN. “We offer a range of support and services so there’s something for everyone. Cities can rely on us to deliver quality services for their older residents. Everything we do is geared toward helping older people stay in their homes as long and safely and vibrantly as possible.”

With a staff of six full-time and eight part-time employees, CPA relies heavily on its 70 volunteers to help deliver services, according to Sattin. Most programs take place in community centers, although University Heights is partnering with libraries.

“We are helping the library find people and organizations for Topic Tuesdays, a weekly program from 3 to 4 p.m. that attracts seniors,” Krause said. “We also help promote their programming efforts.”

Sattin said the staff is what makes the organization “sing,”

but it is always looking for more volunteers.

One of CPA’s most popular programs is the free lunch, often with wrap-around programs, in every member city.

Last year, CPA served 8,000 lunches, with food provided by the Greater Cleveland Food Bank’s catering arm delivered in catering tins, according to Sattin.

“Our nutrition team serves it,” she said. “We also have a dietitian who prepares home-cooked meals for special events.”

Another popular program is transportation. CPA partners with Senior Transportation Connection, and after registering through a social worker, seniors are entitled to two free round-trip trips per week for doctors’ appointments, shopping, hair salon visits and more.

“Whatever service they need,” Sattin said. “They can even come to a senior center for lunch and that doesn’t count against their round trip.”

That, in turn, provides socialization, helping combat isolation.

“We are a family for them,“ Sattin said. “Many of them have outlived their friends, or their friends and family may have moved away. We’re a touchpoint for a lot of people.”

CPA also provides in-home social workers.

CPA is supported by its member cities, Cuyahoga County subsidies, and the Cuyahoga County Health and Human Services levy. Sattin said cost to each city is determined by an algorithm because cities also pay for the transportation, per use, some choose not to use it.

“It’s not one-size-fits-all when it comes to cost, but cities with more population will pay a little more than a smaller city,” she said. “There are different levels of presence in the communities.”

Once a city signs on, it’s usually long term, Sattin said.

“Lyndhurst, South Euclid and Highland Heights, our core cities, have been members for almost 50 years,” Sattin said.

CPA relies on word-of-mouth for marketing. Cities usually find CPA, according to Sattin.

“We do present to other cities, and because it’s such an unusual model that cities are working together in such a high level of cooperation, mayors talk among themselves,” she said.

Sattin said her job is very rewarding.

“Just seeing new friendships that people form, people having a good time,” she said. “It’s nice to provide that for everybody. We hope we are providing numerous ways that people can engage with their community.”

“The appeal is that we are so multi-faceted.

We offer a range of support and services so there’s something for everyone. Cities can rely on us to deliver quality services for their older residents. Everything we do is geared toward helping older people stay in their homes as long and safely and vibrantly as possible.”

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6 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026

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s people grow older and their bodies change, social connections remain just as important as caring for physical health.

Whether that means being involved in volunteering, community groups, exercise or spending time with family and friends, remaining socially active can improve older adults’ Berns mental, emotional and physical well-being.

Older adults are prone to isolation because changes such as retirement, losing a spouse or living alone become more frequent. Prolonged loneliness can deplete the mind because Glatley social interaction builds mental strength. Finding opportunities to interact with others can support adults aging and overall quality of life.

Nadine Glatley of Amvie in Beachwood works with older adults as an in-care service Plotkin provider. Glatley said she understands the importance of intertwining human interaction and activities into their daily lives.

“You have to move your body,” Glatley, who was president and founder of Rent-ADaughter Senior Care, which she sold to Amvie last year, said. “You have to move your mind. You want to stimulate them as much as possible and give them the best quality of life that there is for them.”

Staying active is important, but it looks different for every person. Some older adults are able to participate in physical activities, while others prefer memory based and quieter hobbies. The key is finding activities that match an individual’s interests, physical abilities and lifestyle.

Jamie Berns, CEO of Senior Solutions in

Beachwood, provides seniors with nonmedical care in-home to help them live independently. Berns said older adults should continue to enjoy activities they’re able to partake in.

“I discourage people from stopping doing anything that they feel comfortable doing,” she said. “I encourage all sports, all activities of all sorts for everybody of every age. There is no age limit to anything at all. It’s whatever the person feels comfortable doing.”

Shalom Plotkin, owner of Right at Home in Beachwood, works with a range of seniors and adults with disabilities to provide in-home care. Plotkin said there are many opportunities for older adults to remain socially connected in the Jewish community.

Depending on the person’s interests and abilities, options include water aerobics, bicycling, golf, pickleball, the PALS for Parkinson’s Walkathon, the MOSAIC Jewish Outdoor Club, boxing, Israeli dancing at the Mandel Jewish Community Center of Cleveland and many more.

“Activities bring blood through the brain, slow down any kind of dementia creeping up, clearing out cobwebs, and loosening up the joints,” Plotkin said.

While physical activities can benefit many older adults, Glatley said the right activity ultimately depends on each person’s abilities and stage of life.

“Each person is different,” she said.

“Every plan is personalized based on their needs and what they can handle.”

For older adults living with dementia, social interaction, activities look different as they’re primarily focused on familiarity.

Looking through photo albums, watching old movies or listening to music can help stimulate their mind.

Staying active is important, but Glatley said she understands how equally important it is to not overstimulate someone. Small, consistent interactions can help older adults remain social as well as mentally engaged.

While each person is different, remaining socially active is equally important within everyone. Finding the right activity that stimulates the mind, moves the body and interacts with humans can benefit one’s health and happiness.

Lindsey Brown was the David and Judy Zwick Family Fund Intern at the Cleveland Jewish News.

BOOMERS

AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 7

Staying hydrated is important for seniors in hot weather KATERYNA KOPYLCHAK kkopylckak@cjn.org

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xtreme heat warnings have become a regular occurrence across Northeast Ohio. For older adults, staying safe while spending time outdoors has become increasingly challenging during some of the hottest days of the summer. While many people enjoy gardening, exercising or spending time outside, high temperatures can pose Saxena serious health risks for older adults if they are not prepared.

Dr. Saket Saxena, a geriatric medicine physician at Cleveland Clinic, said one of the biggest priorities during extreme heat is staying hydrated. As people age, the body’s ability to recognize dehydration changes, making it easier to become dehydrated without realizing it.

“When younger people lose fluid, they get thirsty,” Saxena said. “On the other hand, in older people, the sensation of thirst and those thirst signals are relatively weaker.

That’s one factor. When an older person is exposed to extreme heat, there is less thirst and less desire to drink fluids.”

Unlike younger adults, older adults may not recognize when they need water, making it important to drink fluids regularly, especially while spending time outside.

Rather than waiting until they feel thirsty, Saxena recommended making hydration part of a daily routine. Setting an intentional goal to drink water throughout the day can help prevent dehydration.

“Make sure that you drink that 8-ounce or 12-ounce water bottle,” Saxena said.

“Have access to it and drink it while you are

working in your backyard.”

Prescription medications commonly taken by older adults can also increase the risk of dehydration during periods of extreme heat. Saxena said blood pressure and diabetes medications are among the most common examples. Because some medications affect how the body regulates fluids, older adults may be more vulnerable to heat-related illnesses.

“Many of these medications can make older adults relatively dehydrated,” Saxena said. “Exposure to extreme weather could have a disproportionate impact on a person’s ability to compensate.”

Monitoring blood pressure during hot weather is another way to prevent heatrelated problems.

According to Saxena, dehydration can cause blood pressure to drop, which may lead to dizziness, lightheadedness or even falls. Checking blood pressure at home can help people recognize when something may be wrong.

“Have a blood pressure machine at home, and when you are feeling lightheaded or dizzy, maybe it’s a good idea to sit down and check your blood pressure,” Saxena said.

Listening to your body is just as important as staying hydrated. Feeling lightheaded, dizzy, unusually tired or fatigued can all be warning signs that it is time to stop what you are doing, move to a cooler place and drink fluids. Ignoring those symptoms can increase the risk of developing a heat-related illness.

“I think paying attention to your body, making sure that you have access to water and giving yourself a break are important,” Saxena said. “But equally important is to hydrate. Sometimes it is difficult to drink plain water, but having access to flavored water that helps you consume more fluids can also help.”

“When younger people lose fluid, they get thirsty. On the other hand, in older people, the sensation of thirst and those thirst signals are relatively weaker. That’s one factor. When an older person is exposed to extreme heat, there is less thirst and less desire to drink fluids.”

Dr. Saket Saxena Cleveland Clinic

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8 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026

Retirement planning goes beyond finances SHAWNA POLSTER wolfintern@cjn.org

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he retirement boom has begun.

While many baby boomers have already begun their retired life, some are just approaching retirement and want to know more about balancing their finances and health when they’re no longer working.

Steven Raichilson, a senior living health care consultant who oversees Solon-based Raichilson & Associates, said that the best age to retire varies for every individual.

“There’s no good age to retire,” Raichilson said. “It definitely

depends on the person’s outlook, both physically and mentally.”

While there’s no set retirement age, Medicare, a federal health insurance program for older adults and younger adults with specific long-term disabilities, goes into effect at age 65. Retirees age 65 and older can opt for a Medicare plan to cover doctor appointments, prescriptions and medical costs rather than a work-provided health insurance plan.

“If you get a good Medicare plan, it’s going to pay for almost all of your expenses and it’ll give you a very good choice of healthcare practitioners,” Raichilson said. “So, when you’re retiring, it’s a must to look at your Medicare options that take the pain away from affording very

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expensive health care.”

Raichilson said that there are two options for Medicare. Each plan has its benefits and drawbacks, so it’s important that retirees examine which plan is best for them.

“One’s called traditional Medicare,” he said. “That’s when someone goes on Medicare and they buy a Medicare supplement and a drug plan. And they really have complete choice of using any doctor they want who accepts Medicare. Another Medicare option is Medicare Advantage. And that’s encountered a lot of criticism as of late for limiting people’s network of doctors and requiring unique permission to get advanced testing.”

In addition to choosing a Medicare plan, those preparing to retire should make sure they have a plan for handling their finances while not having an

income from work.

Dale Braun, a financial adviser at Edward Jones in Beachwood, said that each person is unique in terms of what costs are important to them.

“We really partner with them individually to see what their current needs are, their expenses, roof over their head, healthcare, day-to-day living expenses, for example,” he said.

Braun said that where people invest is a personal matter as well. There are many options, including individual stocks, municipal bonds and mutual funds, but retirees need to choose the right option for them.

“When we talk about where to invest, we want to look and see how much of a risk might they be willing to take, when might we need to generate income for them, or will they need to have access to those funds,” he said.

Another important factor of retirement is health. Baby boomers, the generation currently between 62 and 80 years old, are reaching an older age, and with age comes health complications. To minimize health problems, both mentally and physically, boomers can find ways to stay active and exercise their minds and bodies.

“You should be exercising more when you’re a senior that’s retired,” Raichilson said. “You have more time to exercise. You should be choosing to eat a little more carefully with special diets for aging. A third way is through mental preparation. I say taking up new hobbies or getting a part-time job.”

There are even memory classes people can take called “brain aerobics” to fight memory problems, according to Raichilson.

Raichilson and Braun both noted that during retirement, people should spend their time doing activities that they have wanted to do, but weren’t able to do as much while working, such as traveling, spending time with family or volunteering.

Braun said that retirees should prepare ahead of retirement in order to be able to do everything they hope to and have the best retirement possible.

“We’re planning for them to be able to do things that they want to do and want to enjoy,” he said.

Shawna Polster is the Linda and Clifford Wolf Editorial Intern at the Cleveland Jewish News.

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AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 9 ADVERTORIAL

Greater Cleveland Volunteers BE THE REASON A CHILD LEARNS TO LOVE READING A child’s reading level is uniquely tied to his or her likelihood of Our volunteers report feeling a renewed sense of purpose and graduating from high school. In fact, children who can’t read at grade satisfaction by contributing in a meaningful way to their communities. level by fourth grade are four times more likely not to graduate from Best of all, training and ongoing support are provided. The program is a high school. proven “triple win,” helping students to succeed, older adults to thrive, You can use your knowledge and experience to change this statistic and communities to grow stronger. and help guide the next generation of readers! AARP Foundation AARP Foundation Experience Corps helps make dreams come true Experience Corps is a volunteer program that trains people to tutor for students, schools and volunteers. Interested in making a difference students to become better readers by the end of fourth grade. The for local elementary students? Learn more and apply to become a Experience Corps program currently operates in 18 communities across volunteer today at bit.ly/GCVExpCorps or call 216-391-9500, ext. 2119. the United States, including right here in Northeast Ohio.

Since 1972, Greater Cleveland Volunteers has been engaging Greater Cleveland Volunteers, a proud program partner of AARP people in meaningful volunteer service to help address needs in our Foundation Experience Corps, is looking for individuals to volunteer community. Volunteers help at one-time, short-term and ongoing in person at select Cleveland Metropolitan and Euclid City schools assignments at more than 100 nonprofit organizations in Cuyahoga this upcoming school year. As an Experience Corps volunteer, you’ll County. implement a structured tutoring method that helps students in first through fourth grade become more fluent readers.

Greater Cleveland Volunteers Volunteers serve two days a week for approximately two hours each 4415 Euclid Ave., Suite 200 day. Through one-on-one tutoring sessions, students become better Cleveland, OH 44103-3758 readers, improve their literacy skills, and gain much-needed confidence 216-391-9500 to continue their educational journey. greaterclevelandvolunteers.org And it’s not just the students who are impacted by this experience.

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CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026 ADVERTORIAL

ADVERTORIAL

Senior Solutions SENIOR SOLUTIONS: COMPASSIONATE CARE, FROM OUR FAMILY TO YOURS At the heart of Senior Solutions is a motherand-son team devoted to redefining what compassionate care looks like for seniors and their families. Founded by Jamie Berns and run together with her son, Gabriel Malik, Senior Solutions is a true Berns family business — built on empathy, integrity, and the belief that every senior deserves to live with dignity, independence, and respect.

Jamie’s path to senior care has been as rich as it is meaningful. From teaching children as a horse trainer and educator to a successful career in real estate law and later as a beloved preschool teacher, Jamie has always dedicated herself to helping others grow and thrive. But it was her mother-in-law’s illness that changed everything. Witnessing the gaps in elder care firsthand, she was inspired to create a service that placed compassion and respect at the center of everything — and Senior Solutions was born.

Hospice of Greater Cleveland As the company grew, Gabriel joined his mother to help expand and modernize the family business while keeping its heart intact. Together, they’ve built something special — a care team that feels like family and operates with the same warmth and attentiveness they’d want for their own loved ones.

From companionship and personal care to memory support and respite services, Senior Solutions provides tailored, in-home assistance designed around each client’s needs. And whether your loved one lives at home, in assisted living, or in a nursing facility, the Senior Solutions team ensures they receive the attention, dignity, and comfort they deserve.

“When families call us,” Gabriel says, “they’re not talking to a call center — they’re talking to us. We take every call personally because we know how personal this decision is.”

At Senior Solutions, care isn’t just a service — it’s a relationship.

From our family to yours, we’re here to help your loved ones live comfortably, safely, and with compassion.

Get in Touch

SEASONS OF CARE: CHANGING THE NARRATIVE OF HOSPICE The current Hospice care model has been a vital part of compassionate healthcare since the 1960s, helping millions of individuals and their families navigate one of life’s most vulnerable chapters. At its core, hospice is not about giving up, it’s about enhancing quality of life. It offers comfort, dignity, and peace when patients and their families need it most.

Still, many misconceptions remain. Too often, people associate hospice solely with dying, when in reality it’s about living as fully and comfortably as possible. Hospice does not mean “the end”—in fact, many are surprised to learn that it’s possible to graduate from hospice if a patient’s condition improves. Unfortunately, because of these lingering misunderstandings, many individuals are referred too late to experience the full benefits hospice care provides.

At McGregor and within our collaboration, Hospice of Greater Cleveland, we work to change that narrative—offering education, compassionate support, and individualized care. When I spoke with several patients currently receiving hospice services here, the feedback was unanimously positive. Their stories reflect the deep value of hospice care not just for the patient, but for the entire family.

One patient in his early sixties shared that before beginning hospice, he didn’t know much about it and was unsure what to expect. After just a short time on service, his perspective shifted.

“They meet you where you are,” he said. “My pain is under control, and I feel supported.” Hospice, he explained, has provided not only physical relief, but emotional comfort. “It feels good to have help right here with me.”

Another patient, a woman in her nineties, entered hospice after her family realized her care needs had outgrown what they could provide at home. “We made the decision together,” she said. “It’s been working well for everyone.” She emphasized how hospice brought her family peace of mind while allowing her to maintain spiritual practices that are deeply important to her. “Everyone is pleased with the care. I know I’m in good hands.”

A veteran who has been receiving hospice care for several years described his experience as “peaceful.” After more than three decades of

Let Senior Solutions bring the comfort and care your loved ones deserve.

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military service, he values the respect and attentiveness of his care team. “It’s less stressful having them come to me,” he said. “The nurses are caring, and I’m able to stay connected with my chaplain and family.”

These testimonials highlight the many ways hospice improves quality of life—through pain management, emotional and spiritual support, and by simply being present.

Hospice Support Services Include: • Pain and Symptom Management • Nursing Services and Hospice Aides • Medication and Medical Supply Coordination • Emotional and Spiritual Counseling • Medical Social Services • Bereavement Support • Respite Care for Families • Trained Volunteer Assistance • 24/7 On-Call Support and More Hospice is not a place—it’s a philosophy of care that meets patients wherever they call home. Whether support is needed for weeks, months, or even longer, our goal is to help each individual and family make the most of the time they have—on their own terms, with compassion and dignity.

At McGregor, we are honored to provide hospice support services through Hospice of Greater Cleveland. We believe every season of life deserves comfort, respect, and care.

For more information or to make a referral to Hospice of Greater Cleveland, please contact us at (216) 268-8955 or visit www.

HospiceGreaterCleveland.org. They are here to walk with you, every step of the way.

Hospice of Greater Cleveland 14900 Private Drive Cleveland, OH 44112 216-268-8493 hospicegreatercleveland.org

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AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 11

Senior Solutions

Compassionate, Personalized Care with Senior Solutions

At Senior Solutions, we understand the unique needs of our seniors and their families. That’s why you’ll always connect with our dedicated owner, Jamie Berns, When youcare or a loved one to find the perfect solution.

requires care, we have the solution

CARE THAT BRINGS PEACE OF MIND Senior Solutions provides personalized, non-medical care for older adults who wish to remain safe, comfortable, and independent. We work closely with families to provide the best support—whether a loved one needs a few hours of help each week or care around the clock.

l Senior Solutions, you'll o the owner, Jamie Berns.

OUR SERVICES INCLUDE: e a need, she has a solution.

• Companionship & emotional • Meal preparation & light support • Help with daily activities • Medication reminders

housekeeping • Memory-care support • Respite, overnight & 24/7 care

Personal. Accessible. Trusted.

When you call Senior Solutions, you speak directly with our owner, Jamie Berns, who personally helps coordinate care and ensure the right fit for every family.

Because dignity, comfort, and peace of mind matter.

Get in Touch Contact Us

Jamie Berns 216-925-3042 jberns@seniorsolutions.site Let Senior Solutions bring the comfort and care seniorsolutions.site

your loved ones deserve.

Customized care to fit anyone and everyone’s needs

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12 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026 ADVERTORIAL

Right at Home PLANNING TO AGE IN PLACE STARTS TODAY “I don’t want to move.”

Shalom Plotkin hears those four words almost every week.

Sometimes it’s after a fall.

Sometimes after a hospital stay. Sometimes it’s because an adult son or daughter has started noticing that Mom or Dad isn’t as steady as they Plotkin once were.

“But when I ask why they want to stay,” says Plotkin, owner of Right at Home Cleveland East, “the answer is almost never about the house itself. It’s about the life they’ve built there. Their neighbors. Their friends. Their synagogue. Their pets.

Their independence.”

For nearly 90% of older adults, aging in place is the goal. The good news is that, with planning, many people can continue living safely in their own homes for years.

The biggest mistake families make is waiting until there’s a crisis.

“We’re often called after someone has fallen or been hospitalized,” Plotkin says. “I’d rather meet a family a year too early than a day too late.”

Preparing a home for aging doesn’t have to mean an expensive remodel. Some of the most effective improvements are also the simplest. Securely installed grab bars in the bathroom, removing loose throw rugs, improving lighting, adding a raised toilet seat, and placing frequently used items within easy reach can dramatically reduce the risk of falls.

But even the safest home can’t help someone get dressed, prepare a healthy meal, provide transportation, or offer companionship.

That’s where home care comes in.

“Our caregivers don’t replace independence, they protect it,” Plotkin says.

Whether someone needs help for a few hours a week or more comprehensive daily care, home care can provide assistance with bathing, dressing, meal preparation, transportation, medication reminders, light housekeeping, companionship, and specialized support for individuals living with Alzheimer’s, Parkinson’s, cancer, COPD, a stroke, depression, diabetes or the flu. Just as importantly, caregivers notice the small changes that often signal a larger problem before it becomes an emergency.

Professional caregivers also provide something families often need just as much as their loved ones: peace of mind. Adult children want to help, but many

are balancing careers, raising children, or living hours away. Having a trusted caregiver involved allows family members to spend more quality time with their loved one instead of focusing only on caregiving tasks.

While we encourage families to plan ahead, we also know life doesn’t always work that way. Many of the families we help first call us after a hospitalization, a fall, or an unexpected change in health. Our job is to help them recover safely at home and, whenever possible, continue living there with confidence and dignity.

For many families in our community, aging in place means more than staying in a familiar house. It means remaining close to family, friends, synagogue, and the traditions that have shaped a lifetime.

If you or someone you love hopes to remain at home for years to come, don’t wait for a crisis to start planning. A few simple home modifications, combined with the right support, can make all the difference.

Right at Home proudly serves families throughout Beachwood, Shaker Heights, Cleveland Heights, University Heights, Solon, Mayfield, Mayfield Heights, Lyndhurst, South Euclid, Pepper Pike, Orange Village, Woodmere, Moreland Hills, Gates Mills, Highland Heights, Richmond Heights, Warrensville Heights, Bedford, Maple Heights, Chagrin Falls, Bainbridge Township and surrounding communities.

For more information, visit OhioSeniorCare.net or call 216-752-2222.

If you’re beginning to notice changes in someone you love, even a short conversation can help you understand your options.

Right at Home Shalom Plotkin | 216-752-2222 Ohioseniorcare.net Shalom@OhioSeniorCare.net

ADVERTORIAL

Anna Maria Of Aurora BOOMERS CHANGED THE RULES. WHY STOP NOW? Baby Boomers have never been particularly interested in doing things exactly the way previous generations did.

This is the generation that grew up with rock ’n’ roll, witnessed enormous cultural change, embraced everything from aerobics to smartphones and, somewhere along the way, decided that 70 really doesn’t feel like 70 used to.

So why should their expectations about aging be any different?

At Anna Maria of Aurora, that changing mindset can be seen in the details that make up everyday life.

Take dining. Boomers watched dinner evolve from familiar meat and potatoes to a world of new flavors and food trends. Today, variety matters. Anna Maria places an emphasis on menu variety while recognizing that dining is about more than what’s on the plate. It’s also an opportunity to gather, socialize and enjoy the experience.

The same thinking applies to wellness. It might mean movement and exercise, an excursion, trying something creative, enjoying entertainment, laughing with friends, or simply having something on tomorrow’s calendar worth anticipating.

Of course, enjoying life also comes with the reassurance of exceptional care when it’s needed. Anna Maria has spent more than 60 years caring for older adults, with experienced professionals and a family-owned approach that places attention, compassion, and quality at the heart of the campus.

Anna Maria’s 70-acre campus offers multiple levels of senior living and care, allowing residents to enjoy activities, friendships, beautiful surroundings, and support as needs change throughout life’s next chapters.

Because aging well isn’t about suddenly becoming an “old person.” It’s about continuing to be yourself.

Good food still matters. So do interesting conversations, independence, choices, laughter, meaningful connections and having a little fun along the way.

Boomers have spent a lifetime challenging expectations, embracing change, and redefining every stage of life.

There’s absolutely no reason to stop now.

Anna Maria Of Aurora 889 N. Aurora Road Aurora, OH 44202 330-562-6171 annamariaofaurora.com Content provided by advertising partners

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AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 13

Minnie and Ramona - October 28, 2015 I am a past client

My caregiver is so compassionate. She was so much help. She went above and beyond. Right at Home is a wonderful company and their employees are professionnal, hardworking and always looking to help where we need them. We would use them again and would recommend them to anyone.

Dr. A - October 31, 2015

216.752.2222 Call Today for Your Free Consultation We accept long-term care insurance and veterans/spousal benefits

2025

I am a current client

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Trust the Plotkin Plotkin Family family Call the AA Tradition TraditionofofCaring Caring 216.752.2222 Cleveland 216.752.2222

Proud Winner of the 2017, 2018, 2019, www.ohioseniorcare.net 2020, 2021, 2022, 2023, 2024, 2025 and Shalom@ohioseniorcare.net Call the Plotkin Family 2026 Caring Super Star Award

Call the Plotkin Family

Call the Plotkin Family A Tradition of Caring

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14 CLEVELAND JEWISH NEWS | CJN.ORG | AUGUST 14, 2026 ADVERTORIAL

Advanced Insurance Solutions

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ongratulations on reaching this important milestone in your retirement journey!

You’ve devoted years of hard work, and now it’s time to embrace a new and exciting lifestyle. At Advanced Insurance Solutions, we are committed to guiding you through the complexities of senior health insurance, ensuring a seamless transition into Medicare.

Our mission is to simplify the Medicare options and help you select the plan that fits your unique needs and lifestyle. You can rely on us to provide ongoing support for your healthcare decisions throughout your retirement—so you can relax and focus on enjoying life to the fullest.

Navigating Medicare can feel overwhelming, but we are here to make it easier. For example, many people mistakenly enroll in Medicare Advantage Plans, believing they offer the same benefits as Medicare Supplement plans. However, it’s important to understand that they are not the same. We aim to empower you with clear knowledge so you can make informed decisions by highlighting the differences between these two options.

Medicare Supplement Insurance Plans work alongside Original Medicare to enhance your coverage. However, it’s important to remember that Supplements do NOT include Part D Prescription Drug Coverage (PDP). If you miss the opportunity to enroll

in a PDP when you first become eligible, you could face penalties down the road.

On the other hand, Medicare Advantage Plans—often called “Part C” or “MAPD Plans”—offer a comprehensive, all-in-one alternative to Original Medicare. These plans are provided by private companies approved by Medicare. By choosing a Medicare Advantage Plan, you keep your Medicare benefits while enjoying a bundled plan that includes Medicare Part A (Hospital Insurance), Medicare Part B (Medical Insurance), and often Part D Prescription Drug Coverage.

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Siegal Lifelong Learning program to offer Senior Scholars

Siegal Lifelong Learning program at Case Western Reserve University in Cleveland will kick off its fall Senior Scholars program in September, presenting a series of four to six academic courses featuring university faculty and local experts on several topics.

The format is lecture style, but the sessions are interactive with attendees allowed the opportunity to ask questions and hold open discussions.

Dr. David V. Skirball will present “The History of Medicine in Cleveland” every Tuesday from 1:30 to 3:30 p.m. from Sept. 8 to Oct. 6. He will explore the evolution of healthcare in Cleveland, looking at the growth of medical schools, hospitals and healthcare systems, from the early history to the present day.

Alfred Cowger will present “AI and Your Rights: How Artificial Intelligence Is Changing Everyday Life, Work and Society: each Wednesday from 1:30 to 3:30 p.m. from Sept. 9 to Oct 7. He will discuss how AI is reshaping the decisions that affect consumers, workers, and citizens, while raising important questions about privacy, fairness, accountability and civil liberties.

Henry Adams, the Routh Coulter Heede Professor of Art History at CWRU, will lead “Redesigning Everything: Viktor Schreckengost and the Founders of American Industrial Design” each Tuesday from 1:30 to 3:30 p.m. Oct. 13 to Nov. 17. The class focuses on a group of Americans in the 20th and 21st centuries who transformed the world around us by innovating common items like chairs, desks, cars and refrigerators, with a particular focus on Cleveland’s Viktor Schreckengost.

The final session will be led by Phil Wanyerka, the director of the department of anthropology and Anthropological Fieldschool Program at Cleveland State University, who will spearhead “Exploring the Wonders of Ancient Mesoamerica” every Wednesday from Oct. 14 to Nov. 18 from 1:30 to 3:30 p.m. The course will dive into the major formative cultures of Mesoamerica, beginning with the Olmec, the earliest culture in Mesoamerica to explain how urbanization and agriculture began and going through its timeline, ending with the Aztec Empire and the arrival of the Spanish.

The cost of each course for nonmembers is $102 while lifelong learning members receive a 15% discount. All of the sessions will be held at Landmark Centre Building at 25700 Science Park Drive in Beachwood.

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AUGUST 14, 2026 | CLEVELAND JEWISH NEWS | CJN.ORG 15 > edwardjones.com | Member SIPC > edwardjones.com | Member SIPC

ADVERTORIAL

> edwardjones.com | Member SIPC

Edward Jones OUR COMMITMENT TO YOUR WORKPLACE RETIREMENT PLAN Maintaining a quality retirement plan is an important responsibility. At Edward Jones, we’ll work with you to understand what’s most important to you and your organization, and through our established process, we will create a strategy that is customized to your workplace retirement plan. Over time, we will continue to help you stay on track as your goals and your organization’s goals change.

FIDUCIARY SERVICES As a fiduciary investment adviser, we will: • Understand the needs and goals of your organization and your retirement plan.

• Identify and implement a customized retirement plan solution to help meet your objectives.

• Provide investment advice to help you construct the plan’s investment menu.

• Provide advice regarding the selection of a broad range of investment options consistent with Section 404(c) of ERISA. • Conduct periodic comprehensive plan reviews to help your plan stay on track.

EDUCATIONAL SERVICES To support your employees with retirement readiness, we will: • Host enrollment meetings for both existing and new employees.

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• Use a personalized approach by tailoring our services based on your organization’s unique needs.

• Offer optional one-on-one sessions to further educate your employees on retirement readiness.

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Additionally, Edward Jones has over 75 associates in its headquarters dedicated to the retirement plan space. These individuals support our clients and overall business through the following functions:

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FEE TRANSPARENCY To ensure you and your employees understand your service providers and the fees you pay for their services, we will: • Explain all plan fees to you and your employees.

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REVIEW EDWARD JONES’ APPROVED RECORDKEEPERS Bank-issued, FDIC-insured Including the breadth, depth and competitiveness Bank-issued, FDIC-insured of product offerings; financial strength; risk Goldman Sachs Group Inc Goldman Sachs Group Goldman 3-month Sachs 12-month 6-month 6-month 1-year 1-year 6-month 9-month 9-month Goldman Sachs Group management capabilities; and capabilities in 3-month 12-month 6-month 6-month 1-yearYield to Call 1-year 6-month 9-month 9-month Goldman SachsGroup GroupInc 4.80% 4.80% Yield to Call Non-Callable the areas of wholesaling, marketing, service and Non-Callable > edwardjones.com | Member SIPC > edwardjones.com | Member SIPC Non-Callable Interest|Non-Callable Paid Annually >CITIGROUP edwardjones.com Member SIPC > edwardjones.com | Member SIPC InterestFinal Paid Annually INC MEDIUM TERM Maturity 12-29-2025 operations. Also includes reviewing new platforms, Final Maturity 12-29-2025 APY* APY* APY* Callable 5/27/2027 at 100 CITIGROUP INC MEDIUM TERM Final Maturity 12-29-2025 Final Maturity 12-29-2025 APY*APY*Yield APY* APY* APY* APY* APY* Callable 5/27/2027 atsemi-annually 100 features and services.

Interest paid APY* APY* APY* Interest paid semi-annually Final Maturity 2/11/2033 Minimum deposit $1,000APY*Yield Minimum deposit Minimum deposit $1,000 Callable 12/19/202 $1,000 Interest paid semi-annually to call* Interest paidbysemi-annually Final Maturity 2/11/2033 Yield $1,000 Minimum deposit Minimum deposit Minimum deposit Compare our CD Rates Compare our CD Rates $1,000 Callable 12/19/202 $1,000 At Edward Jones, we can help you find the answers. $1,000 $1,000 Minimum deposit Minimum Minimum deposit deposit Minimum Minimum deposit deposit Minimum deposit to call* Yield $1,000 $1,000 BBB+ rated Standard & Poor's Yield BBB+ Rating by$1,000 Standard and Minimum Poor's Compare our CD Rates Compare our CD Rates BBB+ rated by Standard & Poor's $1,000 $1,000 Minimum deposit Minimum Minimum deposit deposit Minimum Minimum deposit deposit deposit Final Maturity Yield $1,000 BBB+ rated by Standard & Poor's BBB+ Rating

by Standard and Poor's to call* BBB+ rated Standard & Poor's CONDUCT RISK ASSESSMENTS Your vision for retirement isfinancial unique to you, and natural to have questions onby how to turn Final Maturity 09/19 09/19 Bank-issued, FDIC-insured Call Bank-issued, FDIC-insured to it’s call* or visit your local advisor today. to call* Bank-issued, FDIC-insured Call Bank-issued, FDIC-insured to call* your goals into reality.

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440-226-3063 440-226-3063 Beachwood, OH 44122 Willoughby, OH 44094 lose principal value.

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EVALUATE EDWARD JONES’ FEE STRUCTURE Periodic analyses of Edward Jones’ Retirement Plan Services fee schedule to ensure our fees are reasonable for the services provided.

DEVELOP AND MAINTAIN EDUCATIONAL CONTENT Including retirement and financial wellness seminars as well as plan and participant online.

Edward Jones

MONITORING AND REVIEWING YOUR PLAN To ensure your plan stays on track and helps you meet your fiduciary obligations, together we will review: • Your plan goals and objectives to ensure our service approach continues to meet your needs.

• Plan features, services and the effectiveness of your service providers.

• Service provider fees relative to the market to help determine reasonableness.

• Your plan’s investment menu performance and recommend an appropriate mix of investments.

• Participation rates, contribution rates and other plan performance metrics.

> > edwardjones.com | You don’t have to be a corporate type You don’t have to be a corporate type You don’t have to be a corporate type You don’t have to be a corporate type Compare our CD to like corporate bonds Compare our CD Rates Rates to like corporate bonds Compare our CD to like corporate bondshave to like corporate bonds Compare our CD Rates Rates You don’t Bank-issued, FDIC-insured You don’t have to to be be a a corpora corpora Bank-issued, FDIC-insured

rate risk such that when interest rates rise, the prices of CDs can decrease. If CDs are sold prior to maturity, the bond. investor can lose principal value. theRd owner of institution, the $250,000 and interest accrued not yet perfinancial depositor, per insured depository forcan each account 3355 Richmond 182 Financial Advisor rate risk such(principal that when interest rates rise, the but prices CDspaid) can decrease.

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Yields quoted are net Subject ofmay all commissions.

Beachwood, OH 44122-4180 CBD-1869J-A ©does 2024 EDWARD D.©,JONES &EDWARD CO., L.P. ALL RIGHTS RESERVED. AECSPAD Yield effective 12/20/2023 subject tovalue. availability and price change.

Yield and market value fluctuate ifCDs EJB-16921A-A-E-DA 2026 D. JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD 29642418 ownership category.

Please visit www.fdic.gov or contact your financial advisor for additional information.

Subject to availability FDIC insurance does not cover losses in market value.

Early withdrawal may not be permitted.

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CDsand Yield effective 12/20/2023 , subject to availability and price change.

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CDs are Beachwood, OH 44122-4180 Dale Braun require the distribution of interest do not allow interest to compound.

CDs offered through Edward Jonesfluctuate are issued banks and CBD-1869J-A © 2024 EDWARD D.and JONES & CO., L.P. ALL RIGHTS RESERVED. AECSPAD Yield effective 12/20/2023 , subject to availability and price change.

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Yield and market value may fluctuate if sold prior to maturity, nationwide.

All CDs sold Edward are registered with the Depository Trust Corp.

(DTC). sold prior to the investor can lose value.

FDIC insurance does not cover losses in market value.

Early withdrawal sold prior to maturity, and the amount you receive from the sale of these securities may more than, less than and the amount you receive from the sale of these securities may be more than, less than ormay equalbe tomore the amount originally Financial Advisor 216-378-3874 sold prior to maturity, and the amount you receive from the sale of these securities than, less than nationwide.

All CDs sold by Edward Jones are registered with the Depository Trust Corp.

(DTC). sold prior to maturity, the investor can lose principal value.

FDIC insurance does not cover losses in market value.

Early withdrawal sold prior maturity, and the amount you receive frommay the be sale of these securities may than, less thanto or equal toto the amount originally invested. investments are subject to interest rate risk such that and the amount you receive from the sale these securities more than, less than equalbe tomore the originally may not be permitted.

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Bond subject to interest risk that or equal equal to to theinvestments amount originally invested.

Bond investments are subject to rates interest rate risk such such that when when 3355 Richmond Rd 182

may not be Yields quoted are net of alldecrease commissions.

CDs require the distribution interest andEdward do allowwhen interest to invested.

Bond investments are subject toL.P. interest rate risk such that when interest rise, the ofnot bonds can or equal to the amount originally invested.

Bond investments are subject to rates interest rate risk such FDI-1867K-A ©permitted.

2022 EDWARD D. JONES & CO., ALL RIGHTS RESERVED. interest rates rise, the prices of bonds can and the investor can lose principal value.

Any bond called compound.

CDs offered Edward Jones are issued by banks and thrifts nationwide.

Allof CDs sold by Jones are decrease and the investor can lose principal value.

Any bond called prior to maturity may result inprices reinvestment risk for the interest rates rise, thethrough prices ofOH bonds can decrease and the investor can lose principal value.

Any that bond called Beachwood, 44122 FDI-1867K-A © 2022 EDWARD D. JONES &principal CO., L.P. ALL RIGHTS RESERVED. interest rise, the prices of bonds can decrease and the can lose principal value.

Any bond called compound.

CDs offered through Edward Jones are issued banks andinvestor thrifts nationwide.

All CDs sold Edward Jones are decrease and the investor can lose value.

Anyby bond called prior to maturity may result in by reinvestment risk for the registeredrates with the Depository Trust Corp.

(DTC).

Let’s prepare for your future together.

From the Samuel H. Miller Keeping Our Words Alive Dale Braun Digital Archive of the Cleveland Jewish News Financial Advisor

interest rates rise,may the result pricesin bonds can decrease andowner the investor lose principal value. Any bond called prior to risk of bond. owner of maturity the bond. prior to maturity may result inofreinvestment reinvestment risk for for the the owner of the the can bond. registered with the Depository Trust Corp. (DTC). risk 216-378-3874 prior to may result in reinvestment for the owner of the bond. owner of maturity the bond. prior to maturity may result in reinvestment risk for the owner of the bond.

Let’s prepare for your future together.

FDl-1867K-A © 2024 EDWARD JONES CO., LP.29642418 ALL RIGHTS RESERVED. CBD-1869J-A © 2024 EDWARD D. AECSPAD JONESEJB-16921A-A-E-DA &D.CO., L.P. & ALL RIGHTS RESERVED. AECSPAD CBD-1869I-A & ALL RESERVED. AECSPAD CBD-1869I-A © © 2023 2023 EDWARD EDWARD D. D. JONES JONESCBD-1869J-A & CO., CO., L.P. L.P. FDl-1867K-A ALL©RIGHTS RIGHTS RESERVED. © 2024 EDWARD JONES CO., LP. ALL RIGHTS RESERVED. 2024 EDWARD D. AECSPAD JONES &D.CO., L.P. & ALL RIGHTS RESERVED. AECSPAD CBD-1869I-A CBD-1869I-A © © 2023 2023 EDWARD EDWARD D. D. JONES JONES & & CO., CO., L.P. L.P. ALL ALL RIGHTS RIGHTS RESERVED. RESERVED. AECSPAD AECSPAD

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DaleRichmond Braun Rd Ste 182 3355 Financial Advisor Beachwood, OH 44122 216-378-3874 3355 Richmond Rd Ste 182 Beachwood, OH 44122 216-378-3874

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EJB-16921A-A-E-DA AECSPAD 29642418

Dale Braun 3355 Richmond Road, Suite 182 Beachwood, OH 44122 216-378-3874 Ryan Heyman 6240 SOM Center Road, Suite 110 Solon, OH 44139 216-223-2770 Emily Heyman 6240 SOM Center Road, Suite 110 Solon, OH 44139 440-226-3063

August 12, 1983 PROTEST IN HEBRON

“Guarded by Israeli soldiers, some 3,000 anti-government demonstrators of the Peace Now movement rally recently in the West Bank city of Hebron.”

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