Puzzles

ACROSS

1. Campus military org. 5. Pilgrimage to Mecca 8. 1968 hit “Harper Valley ____” 11. Turkish honorific 12. *I captained the Millennium Falcon in

“Star Wars” 13. Inlet in Greenland 15. Map out 16. Pharaoh’s symbol 17. Austin Powers and Shrek to Mike

Myers 18. *I developed the theory of relativity 20. Sailor’s hail 21. Lyric poem 22. Solar System center 23. Portable stairs 26. *I am Sgt. George Baker’s inept comic strip character 30. Mine deposit 31. Shape 34. Fairy tale cannibal 35. Feline sneakers 37. Lawyer group 38. *I have a coiled shell and eyes on stalks 39. Very dark black 40. Free from obstruction 42. ____ Aviv 43. Most buffoonish 45. Rest or hydration for common cold, e.g 47. Hot springs resort 48. “...he found a crooked sixpence upon a crooked ____” 50. Japanese stringed instrument 52. *I am a runaway slave, an abolitionist, and a best-selling author 55. Email destination 56. Jasmine of “Aladdin,” e.g. 57. Food fish 59. Silly 60. Self-cleaning appliance 61. Ad staple 62. O in IOU 63. P in m.p.g. 64. Affirmative, colloquially

DOWN

1. Do like Drake 2. Eye up and down 3. Bangkok native 4. Like preserved peaches, sometimes 5. Sharpened 6. Like Huck Finn’s dad, e.g. 7. *Some people call me the Rocket Man 8. *I starred as Pam in the “Meet the

Parents” movies 9. *I used to host a sports show with Mike

Golic 10. Commercials 12. Buddhist’s enlightenment 13. Sham 14. *I am a WWE Champion, an actor, and my nickname is geology-related 19. Vision correctors, colloquially 22. Greek letters on campus 23. *My r�sum� includes Fly Girl and

“American Idol” judge 24. Cura�ao neighbor 25. Evil one 26. Fence board 27. Popular gemstone 28. Shed tears 29. *I am an American who became

Princess of Monaco 32. Harangue 33. Network with an eye 36. *My TV role became synonymous with a hair style 38. Perform at the bee 40. Canada’s neighbor 41. Beginning 44. Strong adhesive 46. Contemptibly small 48. Dry white Italian wine 49. Radio receiver 50. Dr. Seuss: “The more that you read, the more things you will ____” 51. Piercing woodwind 52. Water quantity 53. Loafer, e.g 54. Adventure story 55. United Nations labor agency 58. Homer’s catchword

SOLUTION ON PAGE 29.

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Easter HAPPY

SUNDAY, APRIL 17

Making Your Money Last in Retirement

Renee A. Hanson, CFP® , ChFC®, CEP®, CDFA™ , CFS®, BFA®, APMA®

Having spent decades saving for retirement, it can feel like a major shift for retirees to spend down their hard-earned assets. Research by the Employee Benefit Research Institute found people with $500,000 or more in savings at retirement spent down less than 12% of their assets over 20 years.1 Many of these retirees are reluctant to dip into their principal for fear of running out of money due to the anticipation of increased healthcare expenses and other factors. If you share these concerns about the longevity of your savings, know there are steps you can take to help you feel more confident. Here are some tips to help you get started:

UNDERSTAND THE ARC OF RETIREMENT

SPENDING. Annual expenses generally are highest within the first few years of retirement. This is because retirees are often taking advantage of their newfound leisure time to pursue hobbies, travel, dine out and shop. Spending tends to slow down with advancing age. You may find it reassuring to realize there’s a good chance your lifestyle expenses in retirement could level out or decrease over time. easily accessible investments to provide income in case of a market downturn or an unexcepted financial event in your life. At the same time, it’s important to also have investments that are positioned for growth, or at the minimum, keep up with inflation. Many retirees spend decades in retirement, so plan your investment strategy with longevity in mind.

DEVISE A SUSTAINABLE WITHDRAWAL

STRATEGY. A well-crafted retirement income plan can help you avoid running out of money and feel more confident about spending your hard-earned assets. Tally up your various sources of retirement income, which may include Social Security, annuities, retirement assets and other investment earnings. Then, decide which assets you will tap into first, and when you will claim Social Security benefits. Remember that at 72 years of age you are required to take required minimum distributions from your traditional IRA and employersponsored retirement plans, so work this income into your plan.

PLAN FOR HEALTHCARE COSTS. Healthcare is consuming an increasing proportion of many retirees’ income. You can start preparing for these expenses today by researching your insurance and savings options and developing a strategy to cover your needs. Your options could include a combination of the following: Medicare, Medigap supplemental insurance, health savings accounts (HSAs), long-term care policies, continuing health insurance through your current or former employer, and other dedicated healthcare savings. Having funds and protection in place can help you feel more prepared to handle a medical emergency or more routine care. CONSIDER THE TAX CONSEQUENCES. Reducing the tax bill on retirement income is a priority for a great number of retirees, yet many feel understanding the tax impacts of drawing down assets is complex. If you share these sentiments, starting the planning process early and seeking guidance from a tax and financial advisor can help you feel more secure in your strategy.

1 – “The Employee Benefit Research Institute’s Spending in Retirement Survey”. EBRI, 2021.

UNDERSTAND THE LEVEL OF RISK IN YOUR PORTFOLIO. As you turn your savings into income, it’s important to review your portfolio and assess your level of risk. This means ensuring that you have a diversified portfolio that suits your anticipated spending and balances your needs for liquidity and growth. For example, consider having a year to several years of

Renee A. Hanson, CFP® , ChFC® , CEP® , CDFATM , CFS®, BFA® , APMA® , is a Private Wealth Advisor with Affinity Wealth Advisory Group, a private wealth advisory practice of Ameriprise Financial Services, LLC. in Phoenix, Arizona. She specializes in fee-based financial planning and asset management strategies and has been in practice for 31 years. To contact her visit www.affinitywealthadvisor.com or call (602) 923-9800. Her office is located at 7010 E. Chauncey Lane, Suite #200, Phoenix, AZ 85054-3115. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser. Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal Putting the needs of clients first is the approach I believe in. I’ll work with you to find and fluctuation in value. the right financial solutions to help you plan for your unique goals. And together, we’ll Ameriprise Financial Services, LLC. Member FINRA and SIPC.track your progress over time, adjusting your plan along the way to help get you where © 2022 Ameriprise Financial, Inc. All rights reserved.you want to go.

Renee A. Hanson CFP®, CEP®, CDFA®, CFS®, ChFC®, APMA®

Private Wealth Advisor

Affinity Wealth Advisory Group

A private wealth advisory practice of Ameriprise Financial Services, LLC

Ameriprise Financial Services, LLC. Member FINRA and SIPC.

602.923.9800

7010 E. Chauncey Ln Ste 200 Phoenix, AZ 85054 renee.a.hanson@ampf.com affinitywealthadvisor.com