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SOUTHERN JERSEY NEW JERSEY | VOL. 1

INSIDE THIS ISSUE: FEATURED ARTICLES

RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING

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CO NTE NT S FEATURES 4

Senior Living

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Travel in Style

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22 Investing For the Future 28 Luxury Living 42 Local Event Guide

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56 Destination Vacations 66 Saving For Retirement 72

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SOUTHERN | NEW JERSEY | VOL . 1

RETIRE WITHOUT CHANGING YOUR LIFESTYLE

Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:

Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 4

Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance. (. . .continued on page 6)



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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents. Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 6

allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!


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SOUTHERN | NEW JERSEY | VOL . 1

Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 14

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To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag. Roll all items tightly! It saves space, and keeps everything from wrinkling. I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive. Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

TRAVEL WARDROBE Underwear 6 undergarments 6 pairs of socks Pajamas (your choice) Outerwear 2 tee shirts 2 button down shirts (one dressy, one casual) 2 pairs of pants (one jean, one black trouser) 1 pair of shorts 2 jackets (one leather, one raincoat) 1 cashmere sweater (pullover or cardigan) 1 bathing suit 1 basic black blazer (can be worn day or night) Accessories Scarves (colorful, lightweight) Belts (at least one black) Jewelry (a few pop pieces) 1 tie (traditional or bow tie) Shoes One heel or dress shoe One pair of flats (for day or night) One pair of sandals

Feel good, and look even better! Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down. Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years. Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe. Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years. 16


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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things. Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load. If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially 22

extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs. Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.



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SOUTHERN | NEW JERSEY | VOL . 1

OPEN FLOOR PLANS

A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.

An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the home’s individual, luxurious features, like a grand entryway or a beautifully designed staircase.

OUTDOOR KITCHENS If opulence and luxury are key, then a standard, fully-stocked kitchen is simply no longer enough. One may consider adding a cozy outdoor living area complete with outdoor kitchen, featuring built-in gas grills and refrigerated food and drink storage. Some other top amenities include expansive outdoor pools with water features such as waterfalls, hot tubs, changing cabanas, and saunas.

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WINE CELLARS Exquisite wine storage is another amenity that most affluent homes contain. Private wine cellars built using materials such as glass and wood and are often thought to be works of art themselves. When considering one of these beauties, many factors come into play. One will want to consider the placement, temperature, humidity control, and of course bottle size accommodations.

LOCATION IS EVERYTHING When it comes to luxury home ownership, nothing beats a great location. Everyone desires their own slice of blissful paradise. One of the most important aspects to consider are privacy features such as bushes, hedges, trees or walls. The right landscape design features provide a concealed oasis, where one can relax and wind down. Picture yourself in a secluded ranch or gated beachfront enclave!

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GAME ROOMS Game rooms or entertainment rooms are an old idea, but still on top of the list of luxury living ideas. Some would argue a luxury home is not complete without an in-home theatre or game room. The boundaries continue to be expanded with extra amenities such as indoor basketball courts, lavish sports bar set-ups, exquisite billiard areas, additional televisions and beverage storage.

IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of “Smart Homes,� and along with it, smart devices. When it comes to technology, most

luxury builders cater to this tech-trend and offer amenities to help with just about all facets of home management. Some things you can do at the touch of a button or smartphone are control indoor climate, window and door security, and lighting. Additionally, an integrated smart home provides the owner with remote access cameras and security systems.

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DRESSING ROOMS A dressing room is simply an extension of the master bedroom. This feature is commonly a top priority for the wealthy, as it functions as a place to both store and display lavish items such as purses, shoes, hats, and jewelry. There is an increasing demand among the jet-set crowd for larger and more lavish closet designs. Typical setups include cedar shelving, storage chests, ample lighting, and mirrors for cosmetics or modeling outfits.

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LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

JUNE

JUNE 20 | Food Truck Festival All day food truck festival in Mount Laurel’s Laurel Acres Park. Featuring some of the top food trucks in the area. Take your family to enjoy a taste of every delectable delight we have! For more info visit: https://bit.ly/2zVWMJS JUNE 26 | Drive in Movie Ready for a night on the town? Want to stay safe in the comfort of your own car? Join us for a Drivein movie. Pack up the family and head out to a fun night! $24 For more info visit:. lawrencevillemainstreet.com

JULY

JULY 11 | Annual Pig & Corn Roast A cook-out with great music and some mouth watering BBQ. There will be live bands, food trucks, craft vendors and more! For more info visit: https://bit.ly/2Nq6eIy

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JULY 11 | Flea Market Looking for something unique and fun for your house or closet? Hunt for bargains among vintage treasures, bric-a-brac, books, art work, handmade items, knick-knacks and so much more! For more info visit: allairevillage.org JULY 25 | Soulsational Festival For the 10th consecutive year, Music & Wellness will be joined together at the Soulsational Festival to take place at Veterans Park in Bayville. The festival is a free community event featuring live music, many vendors, giveaways, a silent auction, and lots of opportunities to give back and unite the community! $0 - $20 For more info visit: soulsational.info

AUGUST

AUG 19 | Dancing in the Streets Dancing in The Street is a summer concert series is free and family friendly. Each event is themed and includes a children’s show at 7 PM, followed by a live band at 8 PM. So (. . .continued on page 44)



LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 42) there is something for everyone! For more info visit: historicswedesboro.com

AUG 27 | Beardfest Escape with us for a weekend in the Jersey Pines where you’ll experience music, visual art, nature, discussion, playtime, and community building unlike anywhere else. Our team works hard to cultivate & curate a breathtaking participatory experience to engage and stimulate festival goers of all ages. $10 - $410 For more info visit: beardfest.net

AUG 30 |Dragon Boat Festival Get your family, friends, neighbors, and co-workers together and join us for the Gilda’s Club South Jersey Dragon Boat Festival! This event features competitive dragon boat races, delicious food from local food vendors, a beer garden featuring local breweries, and a health and fitness expo. For more info visit: gildasclubsouthjersey.org

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SEPTEMBER

SEPT 5-6 | South Jersey Apple Fest The South Jersey Apple Fest, a two-day, apple themed festival that will celebrate the beginning of the apple harvest season. Families are invited to show up to kickoff the apple harvest season! For more info visit: sjapplefest.com SEPT 19 | Wine & Food Festival This fall festival allows attendees to dine on a vast array of local culinary and sample Garden State wines, grown right in our own backyard! The laid-back atmosphere of the South Jersey Wine and Food Festival sets the mood for a fantastic, relaxing day filled with food, wine, and fun for the entire family. $15 - $60 For more info visit: https://bit.ly/3etPVX4 SEPT 26 | Mac & Cheese Festival Join us and Party With Purpose on Saturday for a food festival you don’t want to miss! Round up your crew, bring your family, and get ready to sample all kinds of Mac & (. . .continued on page 46)


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LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 44) Cheese creations! For more info visit: https://bit.ly/3ew2XDI

OCTOBER

OCT 4-5 | Festival of Fine Craft The Festival of Fine Craft offers two days of an art and shopping experience for the entire family with 150+ juried artists & craftspeople displaying and selling their works, special artist demonstrations, hands-on family art activities, a Beer & Wine Garden, giant Glass Pumpkin Patch, live music, and more! For more info visit: wheatonarts.org OCT 10-11 | Pumpkin Show The South Jersey Pumpkin Show has become one of the best ways to welcome the autumn harvest with kids and parents alike. The giant Pumpkin Pyramid, filled with pumpkins, gourds and mums, represents everything beautiful about the fall harvest. For more info visit: Sjpumpkinshow.com

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OCT 17-18 | NJ Bacon Fest Celebrate all things Bacon! New Jersey’s largest Bacon Festival. Food trucks, bacon vendors, Beer, Bourbon, Shine and Swine. Could you ask for anything more? For more info visit: njbaconfest.com

NOVEMBER

NOV 7 | Beer Aboard the Battleship

Adults can sample craft beers from breweries throughout the Garden State. Guests attending the Beer Festival will also get a tour of the Battleship, rock to live music and enjoy some great pub food — all aboard the World’s Greatest Battleship! For more info visit: https://bit.ly/3dpsehd NOV 21 | Jersey City Wine Fest Wine Fest is your all access pass to try wines from both local and abroad. Enjoy wine samples for the session paired with live entertainment, food and interactive games! For more info visit: jcwinefest.com

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LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

(. . .continued from 46) NOV 28-29 | Artist in Bloom Artists from all over Salem County are coming together to share their studios with the public for a two-day, county-wide event. Guests will enjoy open studio and gallery tours featuring local artists, with activities including pottery demonstrations, painting, fiber arts, puppetry, and much more! For more info visit: artsinbloomnj.com

DECEMBER

DEC 3 | A Christmas Carol Charles Dickens’ classic holiday ghost story comes to life on the stage with music and dancing and a little bit of magic. Get into the spirit of the season with a classic. Bring the whole family to see this holiday favorite. For more info visit: https://bit.ly/37YK2ib DEC 5 | Dickens Festival Main Street in Medford has become an old-fashioned winter wonderland at the start of the holiday season. The official tree 48

lighting begins when a town crier transports Santa and Mrs. Claus to the center of downtown. Upon Santa’s arrival, the town gets busy with tons of activities, plus magic, comedy, and juggling shows. For more info visit: https://bit.ly/2V9yh3t

JANUARY

JAN 11 | Warren Winter Festival It’s the time to embrace the cold weather and all the fun you can have in it. Come enjoy live music, ice carver, petting zoo, horse drawn carriage rides, carnival rides, marshmallow roasting and free hot chocolate! For more info visit: https://bit.ly/3hTbN0c JAN 23 | Bridgewater Beerfest More Breweries Pouring than ever! We are standing out from the normal Beer fest this year with an emphasis on barrel aged beers and limited releases. Over 50 beers, tequila and whiskey tastings, and live music. Enjoy a fun day of music and tasting. For more info visit: https://bit.ly/37SXLXQ (. . .continued on page 50)



LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

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FEBRUARY

FEB 15-16 | Wine & Chocolate Trail Be among those who are now part of the New Jersey Wine Country adventure! Stop in at various Garden State Wine Growers wineries throughout New Jersey these weekends for special tastings and pairings in honor of Valentine’s Day. For more info visit: https://bit.ly/2AS0aGl

musical features an all new plot and a slew of new songs! $75 For more info visit: https://bit.ly/2VcLCb7 MARCH 14 | St. Patrick’s Day Join us in the Village to celebrate St. Patrick’s Day! Live Irish music, Irish dancing, cooking demonstrations of traditional Irish fare. For more info visit: allairevillage.org

FEB 15-16 | The Diary of Anne Frank

This enduring tale of hope captures the claustrophobic realities of eight people hiding from the Nazis in a concealed storage attic in war-torn Amsterdam. This gripping new adaptation includes newly discovered writings from Anne’s diary. For more info visit: thesummitplayhouse.org

MARCH

MARCH 9 | Sherlock Returns Sherlock Returns is yet another crown jewel in our widely popular Sherlock Holmes Immersive Musical Comedy Series! This uproarious 50

MARCH 24-28 | Film Festival The Garden State Film Festival sheds a bright and nurturing light on new, talented film makers from New Jersey and beyond. The artistic philosophy is rooted in the celebration of the independent film genre and the creation of a forum where local and other independent filmmakers can exhibit their work. For more info visit: www.gsff.org

APRIL

APRIL TBA | Taste of Spring Taste of Spring is a showcase of (. . .continued on page 52)


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LOCAL EVENTS GUIDE

SOUTHERN PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.

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culinary offerings from local area restaurants and tastings of spirits provided by Witty’s and Metro Liquors. Food tastings are offered from over 40 restaurants along with tasting stations of fine wine, aperitifs, and craft beer, plus live music and a DJ, as well as vendors. For more info visit: rahwaytaste.com APRIL 3 | Hub City Music Festival We will have 23 events over the course of twenty days all supporting food justice and promoting the New Brunswick live music scene! For more info visit: hubcitymusicfestival.com

MAY

MAY 22-30 | Renaissance Faire The New Jersey Renaissance Faire, where fantasy meets reality! A Renaissance Festival the way you remember, alive with interaction, magic and friendship. For more info visit: njrenfaire.com

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MAY TBA | Seafood Festival This family-friendly event offers an ultimate feast of crowd-pleasing fare — from gumbo, lobster rolls, and jambalaya, to coconut shrimp, crab legs, conch fritters, and more! For more info visit: https://bit.ly/2NtsHVo

JUNE

JUNE 18-20 | County Music Fest The Northeast’s largest outdoor country music festival, will host a unique blend of country music’s top artists and up-and-comers. For more info visit: barefootcountrymusicfest.com JUNE 26-27 | Rock & Ribs Festival A two-day celebration of great Southern Rock music, finger-lickin’ barbeque and good times at Sussex County FairGrounds! Nothing’s better than stick to your bone ribs accompanied with some good music. For more info visit: rockribsandridges.com



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TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations.

1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches. 56

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Eco-tourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach. 4. Tel Aviv, known as the nonstop city, is a vibrant and exciting city on the Mediterranean Sea. It 58

offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture. History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an on-site excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.





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10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less. • D . o a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point. • .Don’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.

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Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account. •

Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. 70

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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.) • Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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RECOMMENDED SERVICE DIRECTORY ACCOUNTING Angelo & Associates.............................................. 60

ESTATE SERVICE Great Estates..............................................................67

ANIMAL HOSPITAL Mount Laurel Animal Hospital.............................31

FAMILY LAW Law Office of Sarina Gianna LLC.........23, 38-39

ASSISTED LIVING Complete Care Management.................12-13, 59

FINANCIAL PLANNER Retirement Refined LLC................Front Cover, 5

ATTORNEYS Kelaher, Van Dyke & Moriarty.............................27 The Vigilante Law Firm PC............... Back Cover

FINANCIAL SERVICES RJG Financial Services.....................................20-21

AUTO BODY Duie Auto Body.........................................................30 CHIMNEYS Pro-Tech Chimney Cleaning & Repairs............53 CLEANING Great Estates..............................................................67

FIRE PROTECTION SERVICES Harring Fire Protection LLC................................... 9 FIREARM SALES Howell Gun Works...................................................33 FLEA MARKET Columbus Farmers Market | Berlin Farmers Market.....11

Peddlers Warehouse Marketplace.............................. 54

CONSUMER LAW Lueddeke Law Firm.................................................57

GUNSMITH Howell Gun Works...................................................33

CREDIT UNION Garden State FCU................................................... 60

HEATING Iuliano Plumbing & Heating LLC........................63

CUSTOM CABINETS Taylor Made Cabinets Inc..........................................1

HOME CARE Hand of Hope Homecare......................................43 Moorsetown Visiting Nurse Association.........19

CUSTOM HOMES J. Lorton & Company Inc.......................................37 DENTIST Krantz & Sirota...........................................................10 Monokian Dentistry.................Back Inside Cover

HOME HEALTH CARE Compassus..................................................................62 Complete Competent Care..................................65 HOSPICE Compassus..................................................................62 Moorsetown Visiting Nurse Association.........19

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RECOMMENDED SERVICE DIRECTORY HOT TUBS Hot Tub Central............................................................7

MORTGAGES NJ Lenders Corp.......................................................69

HVAC Alpine Air Heating & Cooling..............................47

MUSEUM Insectropolis...............................................................67

INDEPENDENT LIVING Complete Care Management.................12-13, 59

NON PROFIT CASA of Ocean County.........................................75 Jewish federation of Ocean County..................18

INDEPENDENT WEALTH ADVISOR Tandem Investment Partners...............................17 NURSING HOME Complete Care Management.................12-13, 59 INSURANCE JGS insurance............................................................54 ORTHOPEDICS The Buckley Insurance Group..........Front Inside Reconstructive Orthopedics................................61 Cover OUTDOOR LIGHTING INTERIOR DECORATING Colonial Land Design..............................................29 Bella Home Interiors...............................................64 PAVING IRRIGATION Topcoat Paving & Sealcoating Inc.....................35 Colonial Land Design..............................................29 PERSONAL CARE JEWISH COMMUNITY ORGANIZATION Complete Competent Care..................................65 Jewish Federation of Ocean County.................18 PLUMBING JUNK REMOVAL Iuliano Plumbing & Heating LLC........................63 Take It Away Today.................................................45 PROPERTY MANAGEMENT LIVE ENTERTAINMENT Regency Management Group.............................62 Bob Emmons Piano.................................................64 Taylor Management Company....................40-41 MOBILITY EQUIPMENT SUPPLIER Amramp........................................................................51 MOLD REMEDIATION Guru Waterproofing...............................................49

REAL ESTATE Alex Cavalli- Coldwell Banker.............................65 MaryEllen Patichio - Fox & Roach......................71

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RECOMMENDED SERVICE DIRECTORY REALTOR Kathleen Ryan - Coldwell Banker......................64 Donna Keidel & Dale Serebrick - ReMax Realty....24

RENOVATIONS J. Lorton & Company Inc.......................................37 RESTORATION Guru Waterproofing...............................................49 RETIREMENT COMMUNITY Saint Francis Residential Community..............55 REVERSE MORTGAGE Longbridge Financial LLC....................................... 9 ROOFING CONTRACTOR More Core Construction Inc..................................15 SENIOR CARE Cavalier Senior Care................................................67 SENIOR LIVING Complete Care Management.................12-13, 59 SHEDS & OUTDOOR STRUCTURES Amish Country Sheds & Moving........................25 SHOPPING CENTER Columbus Farmers Market.....................................11 Berlin Farmers Market..............................................11 SPAS Hot Tub Central............................................................7 TRANSPORTATION TelTrans...........................................................................3

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WATERPROOFING Guru Waterproofing...............................................49 WEALTH MANAGEMENT Gerard Tischio- Morgan Stanley........................67 WEDDING & EVENT ENTERTAINMENT

Bob Emmons Piano.................................................64 WINDOW TREATMENTS Bella Home Interiors...............................................64


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