2017 Retirement

Retir em ent A supplement to The Omak-Okanogan County Chronicle • June 28, 2017

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

Planning your retirement finances Never too early to save for your golden years Retirement is not something that can be decided on at the last minute.

Clear planning from early on in your working life is vital to make sure retirement is all that it can be.

The most vital thing that anyone from 20 to 80 can do is ask a financial adviser for some help to determine what route they hope to have into retirement.

Local financial advisor Dennis Carlton says that listening to friends, family and people at the coffee shop isn’t often going to get you the correct information, because each person has different goals.

Carlton said that he and other advisors will find out what the client wants and give them advice on how to get there.

“This whole thing of retirement is kind of a moving target for a lot of people,” Carlton said. “In my 42 years, I’ve seen it all. That gives me a pretty good base of life’s ups and downs.”

See Finances Page 3

Work ahead of time with a financial advisor can limit issues at retirement.

Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

Saving for retirement As you approach retirement, there are many things to think about. Experts advise that you will need about 80 percent of your pre-retirement income to continue your current quality of life, according to USA.gov. The exact amount depends on your individual needs.

Some important factors to consider include:

• At what age do you plan to retire?

• Can you participate in an employer's retirement savings plan, such as a 401(k) plan, or a traditional pension plan?

• Will your spouse or partner retire when you do?

• Where do you plan to live when you retire? Will you downsize, rent, or own your home?

• Do you expect to work part-time?

• Will you have the same medical insurance you had while working? Will your coverage change?

• Do you want to travel or pursue a new hobby that might be costly?

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Carlton suggests that employees with a retirement offering at work should invest there and also simple IRAs. Carlton said that life insurance may also be a financial option for some people to use against later in life.

“People need some plans and have someone to keep them on task and that’s what we do,” Carlton said.

Finances From Page 2 Carlton said there are many factors which are different for just about anyone – when retirees should file for Social Security, health condition questions, how much risk they want to have in investments, finances, employment, pensions, etc.

One thing that Carlton says that anyone can do is prioritizing saving and living under your means. The same is true for seniors looking at their last work day.

“Once we create guaranteed pay checks, we can create guaranteed play checks,” Carlton said.

He tells people to plan for needs and then work on saving for wants while also always planning for a rainy day.

Carlton said that one major concern for retirees is that the average mortality age in the United States is growing – approaching 80 for men and 82 for women.

“Average mortality means half of the people live that age, but half of them live longer,” Carlton said.

Living longer means that retirees need to have a nest egg large enough to last.

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

Legal planning can save headaches Seniors should consider consulting a legal expert on any questions or issues arising in their filing for benefits, but should also start thinking about other documents if they haven’t already.

Attorney Andrew Chase of Miller & Chase in Okanogan says getting your documents in order is about making sure your wishes are on paper and shouldn’t be seen as thinking about your own death.

If someone wants their surviving spouse to receive their assets at death and children to split the remainder when they pass away, likely little needs to be done.

However, if you have no family or have family that need to be left out, Chase suggests stating it.

“It’s actually more important to someone who doesn’t have children,” Chase said. “If you don’t have a will, the state gets the property. If you don’t want a child in the will, you need to state it.”

Chase said wills should be updated every 3-5 years to keep them up-to-date and most attorneys charge about $300 for a simple will.

Chase says that attorneys can also help with any estate planning or trusts,

so that if something happens, your family and businesses are taken care of the way you want it to be, not someone else.

People getting older yet in good health should also consider healthcare directives to decide how they will be treated when they do become ill, even if it is years down the road.

“You can make the decision right now or you can give the power to a loved one,” Chase said. “People look it as if they’re setting to die. It’s kind of hard to think about.

Attorneys can also assist with durable power of attorney, which gives someone the rights to direct your funds and can be specifically directed to certain accounts or whatever you need. Split roles on your assets are also available, according to Chase.

“It just comes down to planning and having everything articulated,” Chase said. “This is what the client wants with their legacy.”

Chase said one growing segment of work he’s seeing from older folks is prenuptial agreements.

“You’d be surprised how many older people are getting married these days,” Chase sald.

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

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Smart tips to prevent identity theft StatePoint More than 13 million U.S. consumers fall victim to identity theft each year, according to Javelin Strategy and Research, with more than $15 billion stolen. Fortunately for consumers, many of these crimes are preventable.

“Falling victim to identity theft can be financially devastating for many consumers, a consequence that only further emphasizes the importance of safeguarding your personal information,” says Guy Abramo, president of Experian Consumer Services.

The identity protection experts at Experian recommend the following tips to better protect yourself.

• Protect your home: Your home is your castle and identity thieves know this is where your most valuable possessions are likely stored. Diminish your vulnerability by using a safe to store sensitive information, such as birth certificates, social security cards and passports. You should also use a shredder to reduce your paper trail. Pay and immediately shred utility bills, credit card statements and other

paperwork that includes your personal information.

• Be cautious at work: “Familiar fraud” is common and occurs when a victim’s identity is stolen by someone he or she knows. At work, store personal items like wallets and smartphones in a locked cabinet. Don’t copy or scan sensitive documents, as memory functions can save your data. At night, turn your computer off and sign out of sensitive sites. Change passwords often.

If you have any concerns with the way your company stores personnel records, talk to your employer or human resources department about their protocols.

• Get smart with your smartphone: Smartphones and other devices can be a data goldmine for identity thieves. Use locking features on all your devices, including your laptop. Don’t use automatic login features and always log off when you are finished. Always keep your computer’s anti-virus software upto-date and be cautious when using public wi-fi. Finally, when upgrading your mobile device to the latest model, be sure to scrub all the data from your old device before switching to your new

phone.

• Monitor your credit: Consider enrolling in a credit monitoring product, which offers additional peace of mind through real-time notifications of any changes to your credit report.

Changes to your report are important to review, as they may be signs of fraud.

By safeguarding your information and monitoring your credit, you can better ward off the threat of identity theft.

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

10 healthy eating tips for retirees Making healthy food choices is a smart thing to do—no matter how old you are! Your body changes through your 60s, 70s, 80s, and beyond. Food provides nutrients you need as you age.

Use these tips from the U.S. Department of Health and Human Services’ National Institute on Aging to choose foods for better health at each stage of life.

1. Drink plenty of liquids With age, you may lose some of your sense of thirst. Drink water often. Low-

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fat or fat-free milk or 100% juice also helps you stay hydrated. Limit beverages that have lots of added sugars or salt. Learn which liquids are better choices.

Dietary Guidelines for Americans. Find sensible, flexible ways to choose and prepare tasty meals so you can eat foods you need.

2. Make eating a social event

4. Know how much to eat

Meals are more enjoyable when you eat with others. Invite a friend to join you or take part in a potluck at least twice a week. A senior center or place of worship may offer meals that are shared with others. There are many ways to make mealtimes pleasing.

3. Plan healthy meals Find trusted nutrition information from ChooseMyPlate.gov and the National Institute on Aging. Get advice on what to eat, how much to eat, and which foods to choose, all based on the

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Learn to recognize how much to eat so you can control portion size.

MyPlate’s SuperTracker shows amounts of food you need. When eating out, pack part of your meal to eat later. One See Healthy Page 9

Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

Don’t miss out on needed nutrients!

Eating softer foods can help. Try cooked or canned foods like unsweetened fruit, low-sodium soups, or canned tuna.

Healthy From Page 8 restaurant dish might be enough for two meals or more.

threatening for an older person. Throw out food that might not be safe. Avoid certain foods that are always risky for an older person, such as unpasteurized dairy foods. Other foods can be harmful to you when they are raw or undercooked, such as eggs, sprouts, fish, shellfish, meat, or poultry.

7. Use herbs and spices 5. Vary your vegetables

10. Ask your doctor about vitamins or supplements Food is the best way to get nutrients you need. Should you take vitamins or other pills or powders with herbs and minerals? These are called dietary supplements. Your doctor will know if you need them. More may not be better.

Some can interfere with your medicines or affect your medical conditions.

Go to www.ChooseMyPlate.gov and www.nia.nih.gov/health/topics/nutritio n for more information

SCOTT M. BESSIRE

Foods may seem to lose their flavor as you age. If favorite dishes taste different, it may not be the cook! Maybe your sense of smell, sense of taste, or both have changed. Medicines may also change how foods taste. Add flavor to your meals with herbs and spices.

Include a variety of different colored vegetables to brighten your plate. Most vegetables are a low-calorie source of nutrients. Vegetables are also a good source of fiber.

6. Eat for your teeth and gums Many people find that their teeth and gums change as they age. People with dental problems sometimes find it hard to chew fruits, vegetables, or meats.

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8. Keep food safe Don’t take a chance with your health.

A food-related illness can be life

Certified Public Accountant

9. Read the Nutrition Facts label Make the right choices when buying food. Pay attention to important nutrients to know as well as calories, fats, sodium, and the rest of the Nutrition Facts label. Ask your doctor if there are ingredients and nutrients you might need to limit or to increase.

Fax: (509) 422-5002 scottb@communitynet.org 209 Conconully St. PO Box 948 Okanogan, WA 98840 Phone: (509) 422-6510

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

Habits to keep teeth healthy after 60 Oral health is a major concern for many retirees wanting to maintain a normal lifestyle. Here are some tips from the American Dental Association on improving your chances to continue eating what you want as long as you can.

Brush and Floss Daily Brushing and flossing your teeth is just as important for you as it is for your grandchildren. Even though it may have been years since you’ve had a cavity, your risk of cavities increases with age. One of the reasons is dry mouth—a common side effect of many prescription medications.

Brush your teeth twice a day with fluoride toothpaste. Choose a toothbrush with soft bristles and a small head to get to those hard to reach areas. Replace your toothbrush every three or four months, or sooner if the bristles becomes frayed. If you have arthritis or other condition that limits movement, try an electric toothbrush.

Clean between teeth daily. You can use dental floss or another product made specifically to clean between the teeth, like pre-threaded flossers, tiny brushes that reach between the teeth, water flossers or wooden plaque removers.

Clean Dentures Daily

Bacteria stick to your teeth and also to full or partial dentures. If you wear dentures, remember to clean them on a daily basis with cleaners made specifically for dentures. Do not use toothpastes for natural teeth or household cleaners, which are too abrasive and can damage dentures that can be expensive to replace.

Take your dentures out of your mouth for at least four hours every 24 hours to keep the lining of your mouth healthy. It’s best to remove your full or partial dentures at night.

Your dentist will provide you with instructions about how long your dentures should be worn each day.

herbal remedies, and over-the-counter medications - List of medical conditions and allergies - Information and phone numbers of all health care providers, doctors, and your previous dentist Information about your emergency contacts, someone who can help make decisions on your behalf in the case of a medical emergency Dental insurance or Medicaid cards Your dentures or partials, even if you don’t wear them

Quit Smoking It’s never too late to quit smoking.

Smoking increases problems with gum disease, tooth decay and tooth loss. It also slows down healing after dental procedures and can decrease the success rate of dental implants. Talk to your dentist about quitting.

There are tobacco cessation programs, overthe counter products and prescription medications that your dentist may prescribe or recommend. Smokefree.gov is another good resource to help you quit today.

Visit a Dentist Regularly Get regular dental checkups at least once a year – please do not wait until you have pain. Why? As you age, the nerves inside your teeth become smaller and less sensitive. By the time you feel pain from a cavity, it may be too late and you may lose your tooth. There are also more serious conditions that your dentist will look for, like oral cancer and gum disease, which do not always cause pain until the advanced stages of the disease. By then, it’s more difficult and costly to treat.

When you go to your dentist for a checkup bring the following information: - List of medications, including vitamins,

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

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Services available for area seniors Aging and Adult Care of Central Washington. Serves North-Central Washington from East Wenatchee.

Information: 888-437-4147; www.aaccw.org, Omak: 739 Haussler Road, Unit B, Omak, WA 98841.

Colville Confederated Tribes Area Agency on Aging.

Information: Nespelem: 509-6342758. Nespelem senior meal site: 509-634-2895. Omak: 509-4227449 or 509-422-7452, Inchelium: 509-722-7074, Keller 509-6342803; www.colvilletribes.com.

Ferry County Senior Information and Assistance: 509-775-0912.

In-Home Care of Central Washington. Provides non-medical, in-home services for seniors and the disabled so that they can maintain a life of independence in their own home without being institutionalized. Information: 130 N. Main, Suite 2, P.O. Box 3699, Omak; 509-826-5825 or 800-640-

6907; www.in-homecare.org.

Okanogan County School Retiree Association. Serves both active and retired educators in sponsoring scholarships and legislation to improve the quality of education.

Information: www.okanogancsra.com.

Okanogan County Senior Citizens Association. Offers programs to senior citizens, including recreation, education, information, referral services, social activities and serves nutritious meals. Information: Sally R. Alexander, 509-826-6181; P.O. Box 225, Okanogan, 98840.

• Brewster-Bridgeport-Pateros Community Senior Center. Hours: 8 a.m. to 1 p.m. Lunch: noon Monday, Tuesday, Wednesday, Thursday. Information: 109 S. Bridge St., Brewster; 509-6892815.

• Methow Valley Senior Center.

Lunch, Noon, Monday, Thursday,

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• Okanogan Area Senior Center.

Lunch: 11:45 a.m. to 12:30 p.m.

Mondays and Wednesdays. Store: 9 a.m. to 1 p.m. Monday through Thursday. Information: 1300 S. Second Ave. Okanogan; 509-4226776.

• Omak Senior Center. Lunch: noon Tuesdays and Fridays. Store: 9 a.m. to 3 p.m. Monday through Thursday, 9 a.m. to 2 p.m. Fridays.

Information: 214 N. Juniper St., Omak; 509-826-4741.

• Oroville Senior Center. Lunch: Noon Tuesdays, Thursdays and Fridays. Information: 1521 Golden St., Oroville, 509-476-2412.

• Tonasket Senior Center. Lunch: Noon Mondays, Wednesdays, Thursdays. Transportation provided.

Information: 22 E. Fifth St., Tonasket; 509-486-2483.

Okanogan County Transportation

and Nutrition. Provides meals, transportation to seniors, general public and the handicapped.

Information: 431 Fifth Ave, Omak; 509-826-4391 or 800-635-4391.

Statewide Health Insurance Benefits Advisors (SHIBA).

Information: 800-562-6900; www.insurance.wa.gov/SHIBA/.

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Planning or (Improving) Your Retirement 2017, The Chronicle, Omak, Wash.

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