Denver CO - 5 by The 55 Spotlight

DENVER COLORADO | VOL. 5

TOP 10 WAYS TO PREPARE FOR RETIREMENT

Saving Matters! Remember

Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.

FACTS

✔ Only about half of Americans have calculated how much they need to save for retirement.

✔ The average American spends roughly 20 years in retirement.

Putting money away for retirement is a habit we can all live with.

1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!

If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.

Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.

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2. KNOW YOUR RETIREMENT NEEDS!

Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.

3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!

If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a

big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.

4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN!

If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.

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5. CONSIDER BASIC INVESTMENT PRINCIPLES!

How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.

6. DON’T TOUCH YOUR RETIREMENT SAVINGS!

If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.

7. ASK YOUR EMPLOYER TO START A PLAN!

If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.

8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!

You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on

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inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.

9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!

On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.

10. ASK QUESTIONS!

While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.

Courtesy of US Dept. of Labor

2025 PGA TOURNAMENT SCHEDULE

* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

MAY 1 - 4

MAY 8 - 11

MAY 15 - 18

THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA

Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA

Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA

Championship

Hollow Club • Charlotte, NC • USA

MAY 22 - 25 Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA

MAY 29 - JUN 1 The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA

JUN 5 - 8

RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN

JUN 12 - 15 U.S. Open Oakmont Country Club • Oakmont, PA • USA

JUN 19 - 22 Travelers Championship + TPC River Highlands • Cromwell, CT • USA

JUN 26 - 29

JUL 3 - 6

Mortgage Classic Detroit Golf Club • Detroit, MI • USA

John Deere Classic TPC Deere Run • Silvis, IL • USA

DECHAMBEAU $4,300,000

2025 LPGA TOURNAMENT SCHEDULE

OCT 9 - 12

2025 LPGA TOURNAMENT

OCT 30NOV 2

NOV 6 - 9

13 -

NOV 20 - 23

DEC 12 - 14

LOCAL EVENTS GUIDE DENVER

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.

MAY

3 - 4

| CINCO DE MAYO

Cinco de Mayo is a day of celebration for Latino cultures. It’s a day that represents freedom and a time to celebrate their traditions. This is one of the festivals in Denver in May that started as a street fair in 1988. This event features live music, food trucks, beverages, and more than 300 vendors. It’s free to enter and enjoy the entertainment! For more info visit: cincodemayodenver.com

May

- 25 | Arts Festival

The Denver Arts Festival is a free annual arts festival featuring more than 150 Colorado and National artists. Find a unique souvenir of your trip to the Mile High City at the Denver Arts Festival.You’ll find mixed media, ceramics, and more artwork created by the unique artist! For more info visit: denverartsfestival.com

JUNE

21 - 22 | CHERRY BLOSSOM

FESTIVAL

Cherry Blossom Denver is one of the best festivals in Denver in June if you want to enjoy, and celebrate, the Japanese American culture. This free event features Japanese taiko drumming, dancing, martial arts, music, foods, and gifts. For more info visit: cherryblossomdenver.org

JUNE

14 -

30 | RENAISSANCE FESTIVAL

You’ll be transported back to the 16th century at the Colorado Renaissance Festival, located in Larkspur. It will let you time travel back to Medieval times and play whatever role your imagination desires. On the streets of this 1500s-era village, you’ll encounter costumed merrymakers, master revelers, minstrels, and faire maidens. For more info visit: coloradorenaissance.com

LOCAL EVENTS GUIDE DENVER

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JULY

JULY 6 - 7

| GREEK FESTIVAL

The Greek Festival, one of the city’s oldest annual festivals in Denver. It honors the culture and heritage of this breathtaking Mediterranean nation. You’ll get to try delicious homemade Greek dishes and pastries as well as Greek beer, wine, ouzo, and coffee. This family-friendly event features games, cathedral tours, traditional dances, and live music. Check out the gift shop, bookstore, and cultural center where you can browse jewelry, books, photography, and artwork. For more info visit: thegreekfestival.com

JULY 11 - 13 | ARTS FESTIVAL

The Colorado Black Arts Festival proudly presents our 35th annual celebration of African American art and culture. We strive to develop, promote and celebrate African arts and culture in Colorado.We proudly present our 35th annual celebration of African American art and culture. For more info visit: colbaf.org

AUGUST

AUG 22 - 30

| STATE FAIR

The fair features a rodeo, carnival rides, agriculture exhibits, concerts, and the Discover the Dinosaur experience with lifelike dinosaurs. For more info visit: coloradostatefair.com

SEPTEMBER

SEPT 3 - 6

| FOOD & WINE FEST

This is a must do for anyone who loves food and wine or if you want to learn more about food and wine. You will have your choice of bites from over 40 different restaurants and over 700 different wines. For more info visit: denverfoodandwine.com

SEPT 5 - 7 | HIGHLAND FESTIVAL

Immerse yourself in Scottish and Irish culture such as jousting, highland dance, strongman competition, Celtic music, and bagpipe competitions. For more info visit: scotfest.com

LOCAL EVENTS GUIDE DENVER

SEPT 20 - 21 | HARVEST FESTIVAL

Lovers of fine arts and crafts will find a vast array of artisans and crafters displaying and selling their unique creations in pottery, sculpture, glass, jewelry, fashion, home décor, furniture, home accessories, and photography. The annual celebration of the Fall Solstice, will introduce new and emerging artists showcasing the latest trends in handmade crafts and fine art. This event is located in the heart of Beautiful Downtown Crested Butte on the west side of Elk Avenue. For more info visit: https://tinyurl.com/4zh7mhbs

OCTOBER

OCT 11 - 12 | THE URBAN MARKET

The Urban Market is Denver’s premier open air marketplace located in front of Union Station in the heart of Downtown Denver. Discover a cornucopia of local arts and crafts sold directly by the artist, clothing, jewelry, antiques, furniture, unique treasures, and just about anything else you could

want. Meet talented artisans and makers showcasing their unique creations, each with its own story to tell. Whether you’re searching for the perfect gift or treating yourself to something special, you’ll find a wealth of one-of-akind finds that embody creativity and craftsmanship.

For more info visit: https://tinyurl.com/5b69y443

OCT 9 - 11 | BEER FESTIVAL

Great American Beer Festival is the largest beer festival in the world; and each year, it represents the largest collection of U.S. beer ever served – in both a public tasting event plus a private competition. The festival takes place at the Colorado Convention Center and brings together brewers and diverse beers from across the nation.

For more info visit: greatamericanbeerfestival.com

LOCAL EVENTS GUIDE DENVER

NOVEMBER

NOV 7 - 16

| ARTS WEEK

All of Denver comes alive with creativity each November as it collectively celebrates the city’s creative neighborhoods, museums, galleries, and all-around artistic vibe. Held over eight days, Denver Arts Week offers a little something inspiring for everyone. For more info visit: https://tinyurl.com/bdhp664b

NOV 9 | FARMERS’ MARKET

The South Pearl Farmers’ Market is one of the summer highlights of the Wash Park community. It has operated since 2001 and is managed by Jarman and Co Events. This Sunday morning market happens from 9 am to 1 pm. Pick up the freshest local produce available. The mission of the South Pearl Farmers’ Market is to support the local community. For more info visit: https://tinyurl.com/2naswcvw

DECEMBER

DEC 1 - 25 | BLOSSOMS OF LIGHT

The Gardens’ signature event for over three decades, this annual holiday lights extravaganza transforms our York Street location into a twinkling winter wonderland. Join us for this family-friendly event that has become a holiday tradition for thousands of Front Range families. For more info visit: https://tinyurl.com/3ejavyvd

DEC 5 - 7 | HOLIDAY FESTIVAL

Our five annual Holiday Food and Gift Festivals are proud to support local talent, and introduce boutiques and businesses that provide you with an unique shopping experience. Accomplish your holiday shopping in one place, and truly enjoy the magic of the season this year with hundreds of local artisans and gourmet food vendors! For more info visit: hfgf.com

LOCAL EVENTS GUIDE DENVER

JANUARY

JAN TBA | WHISKEY FESTIVAL

If you’re looking to warm up from a cold winter’s day with a delectable round of spirits, the Denver Winter Whiskey Festival is a blast. Featuring over a dozen Colorado distilleries, guests will have the opportunity to try a myriad of samples. For more info visit: https://tinyurl.com/hhhsra83

FEBRUARY

FEB 20 - 22 | FILM FESTIVAL

The American Mountaineering Center in Golden hosts this annual event that screens films, features, shorts, and children’s films with ecological, economic, and social themes. Filmmakers and representatives from environmental groups will be in attendance to speak with filmmakers. For more info visit: ceff.net

MARCH

MARCH 14 | ST. PATRICK’S DAY

PARADE

Since the 1960s, more than 200,000 Irish and wannabe Irish have donned their green and headed downtown for the annual St. Patrick’s Day Parade. The parade features marching bands, dancers, floats, and more honoring the Emerald Isle. For more info visit: denverstpatricksdayparade.com

APRIL

APRIL 9 - 12 | FILM FESTIVAL

The annual Boulder International Film Festival returns this March. For four days, enjoy films from around the world. They cover a variety of topics so you are sure to find some you will enjoy. It’s held at the Boulder Theater in downtown Boulder. For more info visit: biff1.com

2026 GRAND SLAM TOURNAMENT SCHEDULE

2025 GRAND SLAM TOURNAMENT

SCHEDULE

* Schedule subject to change

MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single

MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single

MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single

MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single

MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single

MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single

JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single

JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles

JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’

JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single

JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single

JUN 07 - SAT 3:00 PM Final Women’s Single

JUN 08 - SUN 3:00 PM Final Gentlemen’s Single

DATE

2025 GRAND SLAM TOURNAMENT SCHEDULE

JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round

JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round

JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round

JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round

JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round

JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round

JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round

JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round

JULY 8 - TUE 11:00 AM

JULY 9- WED 11:00 AM

JULY 10 - THU 1:00 PM

Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals

Ladies' Singles Semifinals & Mixed Doubles Final

JULY 11 - FRI 1:00 PM Men's Singles Semifinals

JULY 12 - SAT 2:00 PM

JULY 13 - SUN 2:00 PM

Ladies' Singles Final & Men's Doubles Final

Men's Singles Final & Ladies’ Doubles Final * Schedule subject to change

2025 GRAND SLAM TOURNAMENT SCHEDULE

2025 DESIGN TRENDS

EACH YEAR BRINGS NEW TRENDS IN INTERIOR DESIGN & 2025 IS NO DIFFERENT.

As the world changes, needs and desires change. Interior design can enhance your home environment with new ideas. We want our homes to appeal to all our sensesSensorial design. Vivid colors, environmentally friendly materials and luxury comfort are a few of the current trends.

Colors such as reds, oranges, purples, and maroons will be popular. These are called lucky colors in some cultures.

Accordingly they attract wealth and business success. No more plain walls - wallpapered and colored ceilings as well as textured walls are back. In addition, bold patterns and textures add drama, depth and visual interest to your room. Ceiling treatments also create visual interest. Beams or a coffered ceiling bring texture, depth and character to plain surfaces. They also reduce noise and add a bit of elegance.

Earth tones such as terracotta, ochre, rust and sage are always popular as they reflect nature and create a calm environment that makes a space feel warm and welcoming. To add a little luxury to any space, use gold, bronze, copper or silver finishes with small touches.

Furniture tends to be comfortable and relaxed without sacrificing style. Oversized sofas, comfortable chairs, lounge chairs and even daybeds are popular again. Curved and rounded furniture as well as accent pieces will be popular. They work with either traditional or modern design.

Dark warmer wood tones are back after years of light wood. To change the look of a piece of furniture or cabinet, stain it a walnut hue. Mix in modern with traditional. Darker

tones bring a warm, grounded feeling.

Lighting is an important part of any design project. Consider a layered lighting scheme that incorporates a mixture of overhead lighting, floor and table lamps and sconces. Think of fixtures as art and jewelry for your home. Lighting helps create a functional and welcoming home. Be sure to use dimmable lights as that enhances the mood in any room.

Small changes can reinvigorate your home in keeping with the 2025 design. Paint a wall, wallpaper a bathroom ceiling, add a colorful rug to a neutral room. It’s all about enjoying your home and feeling comfortable.