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TOP 10 WAYS TO PREPARE FOR RETIREMENT

Remember

Saving Matters!

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.

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.

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 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.

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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.

2025 PGA TOURNAMENT SCHEDULE

DATES TOURNAMENT

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

OCT 2 - 5

OCT 9 - 12

OCT 23 - 26

NOV 6 - 9

NOV 13 - 16

DEC 4 - 7

DEC 12 - 14

Sanderson Farms Championship The Country Club of Jackson Jackson, MS • USA

Baycurrent Classic Yokohama Country Club Yokohama • JPN

Bank of Utah Championship

Black Desert Resort Ivins, UT • USA

World Wide Technology Championship

El Cardonal at Diamante Los Cabos • MEX

Butterfield Bermuda Championship

Port Royal Golf Course

Southampton • BER

Hero World Challenge

Albany GC Albany • BAH

Grant Thornton Invitational

Tiburón Golf Club

Naples, FL • USA

PREVIOUS WINNER

CBS, NBC, GOLF, ESPN+, SXM

2025 LPGA TOURNAMENT

OCT 1 - 4 LOTTE Championship presented by Hoakalei Ewa Beach, Oahu, HI | Hoakalei Country Club

OCT 9 - 12 Buick LPGA Shanghai

OCT 16 - 19

* Schedule subject to change ** Purse subject to change

Minhang District, Shanghai, People’s Republic of China | Qizhong Garden Golf Club

Ladies Championship Republic of Korea | To be Confirmed

OCT 23 - 26 Hanwha LIFEPLUS International Crown Goyang, Republic of Korea | New Korea Country Club

OCT 30NOV 2

Championship

Lumpur, Malaysia | Kuala Lumpur Golf & Country Club, West Course

M NOV 6 - 9

Japan Classic Otsu-shi, Shiga, Japan | Seta Golf Course

NOV 13 - 16 The ANNIKA driven by Gainbridge at Pelican Belleair, FL | Pelican Golf Club

NOV 20 - 23 CME Group Tour Championship Naples, FL | Ritz Carlton Golf Resort, Tiburón Golf Club

DEC 12 - 14

Thornton Invitational Naples, FL | Ritz Carlton Golf Resort, Tiburón Golf Club

LOCAL EVENTS GUIDE

ORANGE COUNTY

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.

OCTOBER

OCT 16 -

23 | FILM FESTIVAL

As the West Coast’s fastest-growing film festival, NBFF offers films from 50 countries across multiple genres. We carefully curated a collection of short film programs. So grab your popcorn and enjoy the show! For more info visit: newportbeachfilmfest.com

NOVEMBER

NOV

- 8 | SUGAR PLUM

Sugar Plum welcomes in each season featuring the best in seasonal gifts, and decorations. An inspiration to decorative and gift-giving needs….we pride ourselves in offering the best in handcrafted items, and unique treasures in antiques and collectibles. We are one of the largest family-owned craft shows featuring the talents and imagination of over 175 artists, crafters, bakers, and candymakers. Please be our guest! For more info visit: sugarplumfestivals.com

DECEMBER

DEC

1 -

31 | WINTER FEST

Celebrate the holiday season at Winter Fest with all the family. Glide around the ice rink, enjoy beautiful views from the Giant Wheel and warm up with coffee drinks including blended favorites and the popular WinterFest hot chocolate. Winter Fest provides the ideal location for a fun and exciting day out that everyone will enjoy! For more info visit: winterfestoc.com

DEC

- 21 | BOAT PARADE

Watch beautifully decorated yachts, boats, kayaks and canoes sail along the harbor in the 116th Newport Beach Christmas Boat Parade. For more info visit: christmasboatparade.com

JANUARY

JAN TBA | MANATEE FESTIVAL

Food, fun, and crafts all for a good cause! The Manatee Festival uses the funds raised through its annual festival to benefit friends of Blue

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LOCAL EVENTS GUIDE ORANGE COUNTY

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Spring State Park, Dare Programs and other area organizations. So have a weekend full of fun for the whole family while supporting your community. For more info visit: themanateefestival.com

FEBRUARY

FEB 2 - 7 | MUSIC FESTIVAL

The talented multi-hyphenate Caroline Shaw serves as Artistic Director for the Annual Laguna Beach Music Festival. The Laguna Beach Music Festival is a multi-day series of classical and contemporary concerts, community engagement programs, and dynamic special events. For more info visit: https://tinyurl.com/2ny8ppk4

FEB 20 - 22 | TET FESTIVAL

Helping preserve culture, visitors are immersed with a vibrant array of traditional foods, live entertainment, festive games, and customs celebrating the new year.For more info visit: sdtet.com

MARCH

MARCH 6 - 8 | FESTIVAL OF WHALES

The annual Dana Point Festival of Whales celebrates the return of the once-endangered California Gray Whale with a leviathan-size event. In addition to whale watching at the height of whale watching season, festival includes a kick-off parade, Sand Sculpting, Ocean Awareness Day, musical entertainment, on-the-water Concert, Whale of a Block Party, Art Shows, Pancake Breakfast, BBQs, Kids Interpretive Crafts, Classic Car Exhibits, plus much more! For more info visit: festivalofwhales.com

APRIL

APRIL TBA | RENAISSANCE FAIR

The Faire takes place in one of the most picturesque villages of California turning it into a real town of the Renaissance era. There are various performances and parades, knight tournaments, Celtic dances and folk music. There is also the participation of circus perform-

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LOCAL EVENTS GUIDE ORANGE COUNTY

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ers who demonstrate an exciting show of lights, throwing knives, and comedy shows. For more info visit: renfair.com

April 23 - 26 | Garden Show

Discover over 35 unique plant and garden vendors, as well as 7 inspiring display gardens designed by top Southern California landscape and horticulture organizations in collaboration with South Coast Plaza home boutiques to create one-of-a-kind outdoor living spaces and a dramatic 24-foot floral centerpiece. For more info visit: southcoastplaza.com

MAY

MAY 22 -25 | STRAWBERRY FEST

The Garden Grove Strawberry Festival started as a way to bring together the east and west sides. Garden Grove celebrates with an annual festival including a huge carnival with games and rides, a parade, arts and crafts, and lots of entertainment! For more info visit: strawberryfestival.org

MAY 29 - 30 | WINE FESTIVAL

Guests are invited to sip on fine wines and taste a variety of delicacies at the beautiful Laguna Cliffs Marriott Resort & Spa. This is an elegant event for true fine wine lovers, located in one of Orange County’s most beautiful coastal cities! For more info visit: californiawinefestival.com

JUNE

JUNE 7 | CHILI COOK OFF

The Tustin Street Fair & Chili Cook Off is held every year in Old Town Tustin. The World’s largest single-day chili cook-off features carnival rides and games, a salsa competition, a family plaza, family friendly contests, beer and wine booths, food booths, craft and vendor booths, entertainment, and music.The Street Fair and Chili Cook off is an exciting community event for the whole family! For more info visit: https://bit.ly/37mIh0c

LOCAL EVENTS GUIDE ORANGE COUNTY

JULY

JULY 7 -

30 | FESTIVAL OF ARTS

As one of the nation’s oldest and most highly acclaimed juried fine art shows, the Laguna Beach Festival of Arts has offered a breathtaking showcase for artists and art lovers for 90 years. For more info visit: foapom.com

JULY 17 - 18 | WINE FESTIVAL

This romantic evening of rare wine tasting begins with a champagne reception under the stars at Santa Barbara’s charming old-world Carousel House. Extremely limited reserve level wines are matched with gourmet appetizers from top local chefs, artisan cheeses, fresh fruits, olive oils and more while live music keeps things super cool. For more info visit: californiawinefestival.com

AUGUST

AUG 1 - 18 | COUNTY FAIR

OC Fair & Event Center in Costa Mesa, CA, hosts events, activities, festivals, family fun, music and

entertainment of all kinds. With 157,000 square feet of venue space, the fairgrounds is ideal for meetings, parties, corporate events, cultural festivals, trade shows, fundraising runs and concerts. For more info visit: ocfair.com

SEPTEMBER

SEPT TBA | LOBSTER FESTIVAL

The Long Beach Original Lobster Festival returns providing Fresh Live Maine Lobster, prepared to mouth-watering perfection in the World’s Largest Cooker. You can dance away the calories to a variety of popular artists throughout the day on the dance floor, enjoy tasty eats in the food court, check out the Arts & Crafts booths, sip on adult beverages, and sing a tune at the Karaoke Lounge. There is something for everyone! For more info visit: originallobsterfestival.com

2026 GRAND SLAM TOURNAMENT SCHEDULE

DATE

2026 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

MAY 24 - SUN 12:00 PM First Round

MAY 24 - SUN 8:15 PM First Round

MAY 25 - MON 12:00 PM First Round

MAY 25 - MON 8:15 PM First Round

MAY 26 - TUE 12:00 PM First Round

MAY 26 - TUE 8:15 PM First Round

MAY 27 - WED 12:00 PM Second Round

MAY 27 - WED 8:15 PM Second Round

MAY 28 - THU 10:00 AM Second Round

MAY 28 - THU 8:15 PM Second Round

MAY 29 - FRI 12:00 PM Third Round

MAY 29 - FRI 8:15 PM Third Round

MAY 30 - SAT 12:00 PM Third Round

MAY 30 - SAT 8:15 PM Third Round

MAY 31 - SUN 12:00 PM Fourth Round

MAY 31 - SUN 8:15 PM Fourth Round

JUNE 1 - MON 12:00 PM Fourth Round

JUNE 1 - MON 8:15 PM Fourth Round

JUNE 2 - TUE 12:00 PM Quarterfinals

JUNE 2 - TUE 8:15 PM Quarterfinals

JUNE 3 - WED 12:00 PM Quarterfinals

JUNE 3 - WED 8:15 PM Quarterfinals

JUNE 4 - THUR 2:30 PM Ladies Semifinals

JUNE 5 - FRI 2:30 PM Mens Semifinals

JUNE 5 - FRI 8:15 PM Mens Semifinals

JUNE 6 - SAT 3:00 PM Ladies Singles Final, Mens Double Final

JUNE 7 - SUN 3:00 PM Mens Singles Final, Ladies Doubles Final

DATE

2026 GRAND SLAM TOURNAMENT SCHEDULE

* Schedule subject to change

JUNE 29 - MON 11:00 AM Men's & Ladies' 1st Round

JUNE 30 - TUE 11:00 AM Men's & Ladies' 1st Round

JULY 1 - WED 11:00 AM Men's & Ladies' 2nd Round

JULY 2 - THU 11:00 AM Men's & Ladies' 2rd Round

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

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

JULY 5 - SUN 11:00 AM Men's & Ladies' 4th Round

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

JULY 7- TUE 11:00 AM Ladies' and Gentlemen's Quarterfinals

JULY 8 - WED 11:00 AM Ladies’ and Gentlemen’s Quarterfinals

JULY 9 - THU 11:00 AM Ladies’ Semifinals

JULY 9 - THU 11:00 AM Gentlemen’s Semifinals

JULY 10 - FRI 11:00 AM Ladies’ Singles Final & Men’s Doubles and Mixed Doubles

JULY 11 - SAT 11:00 AM Gentlemen’s Singles Final & Ladies’ Doubles

2026 GRAND SLAM TOURNAMENT SCHEDULE

HEALTH & FOOD

Eating healthy and having a holistic approach to wellness focuses on mind, body and soul. Foods that enhance energy, heart health, improve sleep and increase muscle strength are growing in popularity. High protein, low calorie, and low carbohydrate meals are the way to go. The movement towards plant-based items for health and environmental reasons is here to stay.

Sugar intake is a concern for many.

A popular sugar alternative is dates which are very sweet and have been used for thousands of years. They are high in nutrients, antioxidants and fiber. Some say they are good for brain health as well as digestion. Eaten whole or used in baked treats, they provide all the sweetness needed.

To lose weight or simply to eat a little bit healthier, there are several different approaches you can take.

The Whole Food Diet is probably the most recommended diet. It is about avoiding or limiting processed foods, preservatives or artificial ingredients while sticking to lots of fresh fruits and vegetables, whole grains, nuts, beans, fish, shellfish and eggs. Limiting meat is a part of this diet as well. Not only is this diet healthy for you, but it is healthy for the planet as processed foods require more resources such as water and energy, thus creating more pollution.

The PALEO Diet is based on foods eaten in the Paleolithic period of hunter gatherer societies thousands of years ago, before farming.

The KETO Diet is a low carbohydrate, high fat diet that helps burn fat for energy rather than carbs, thus triggering weight loss. According to Healthline, the foods to eat on this diet are: meat, fatty fish,eggs, butter and cream, cheese, nuts and seeds, olive or avocado oil, avocados, and low carb vegetables and condiments.

The Vegetarian Diet is made up of plant-based foods which include fruits and vegetables, grains, legumes and nuts. No meat or dairy products including eggs and other milk products are consumed. There is a trend to eat more fruits and vegetables and new products are continually coming to the market. Non-dairy milk alternatives like oat, soy and almond are popular replacements for milk. New plantbased pasta alternatives like chickpea or zucchini pasta help us eat more vegetables and additional options are continually being introduced.

TRAVELING TO ICELAND.

Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was

under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.

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The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.

The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.

Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.

Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are

really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.

Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.

The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.

The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.

Caving is a popular and extraordinary experience. Because Iceland is one of the most active

and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are

rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.

- a place like no other!