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 PGA TOURNAMENT SCHEDULE
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
MAR 6 - 9
MAR 6 - 9
MAR 13 - 16
MAR 20 - 23
Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA
Puerto Rico Open Grand Reserve Golf Club • Rio Grande • PUR
THE PLAYERS Championship
TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA
Valspar Championship
Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA
MAR 27 - 30 Texas Children’s Houston Open
Memorial Park Golf Course • Houston, TX • USA
GARNETT $720,000
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
APR 24 - 27
MAY 1 - 4
JAEGER $1,638,000
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA AKSHAY BHATIA $1,656,000
Masters Tournament
Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA SCOTTIE SCHEFFLER $3,600,000
Corales Puntacana Championship Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM BILLY HORSCHEL $720,000
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
THE CJ CUP Byron Nelson
TPC Craig Ranch •McKinney, TX • USA
MCILROY, SHANE LOWRY $1,286,050
PENDRITH $1,710,000
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA
LOCAL EVENTS GUIDE PUGET SOUND
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.
MARCH
MARCH 1 - 9 | DANCE FEST
In this rare coupling of local and global contemporary dance, Seattle residents are invited to experience the festival’s creative hotbed of world-defining dance-making. For more info visit: seattleidf.org
MARCH 15 | IRISH FESTIVAL
Immerse yourself and celebrate the Irish heritage of the Pacific Northwest with traditional music, step-dancing, art exhibits, genealogy workshops and Celtic handcrafts at Irish Festival Seattle. For more info visit: https://tinyurl.com/2rd4uhty
APRIL
APRIL 12 | POLISH BAZAAR
Eat pierogi, sausage, cabbage rolls, and desserts served by waiters in Polish folk costumes downstairs, and then browse Polish crafts for sale upstairs at the Spring Polish Bazaar at the Polish Cultural Center! For more info visit: polishhome.org
APRIL 11 - 13 | JAPANESE CULTURAL FESTIVAL
The Seattle Cherry Blossom & Japanese Cultural Festival deepens the understanding and serves as a vehicle for sharing Japanese and Japanese American culture and heritage through hundreds of performing and martial arts, exhibits and demonstrations, hands-on children’s activities, culinary treats, and more. For more info visit: cherryblossomfest.org
MAY
MAY 1 - 3 | BACON & BEER FEST
The Bacon and Beer Classic pairs two foodie favorites: Northwest microbrews, and the irresistible bacon. The Bacon and Beer event brings together over fifty restaurants and breweries each, with their own unique beer and bacon-inspired gourmet dishes for thousands of brew and bacon fans to devour. For more info visit: https://tinyurl.com/4axf5z66
LOCAL EVENTS GUIDE PUGET SOUND
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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MAY 23 - 26 | FOLKLIFE FESTIVAL
The annual Northwest Folklife Festival is a community-powered celebration of the arts, culture, and heritage that make up the brilliant cultural tapestry of the greater Pacific Northwest. Prior to 2020, over 6,000 artists and culture-bearers brought cultural expressions to audiences across 25 stages alongside 200 food and craft vendors and 500 volunteers annually. For more info visit: nwfolklife.org
JUNE
JUNE 1 | BIRD FEST
Join us for the annual Puget Sound Bird Fest featuring presentations from local authors, artists, and scientists, along with educational exhibits and birdthemed art for sale. Kids can enjoy activities like owl pellet dissection and crafts. Participate in a photo contest and guided walks while exploring viewing stations. For more info visit: https://tinyurl.com/kh7j4hv5
JULY
JULY 4 | INDEPENDENCE DAY
Every year, the Seattle area offers plenty of activities during July 4th weekend, including parties, exhibitions, parades, shows, and, of course there, is no shortage of fireworks! Whatever neighborhood you are in, you will find something to do, and the firework displays will illuminate the darkest night. For more info visit: https://tinyurl.com/mvxdj6tk
JULY 25 - 27 | BITE OF SEATTLE
The festival kicks off today at noon on Friday with Live Music venues from talented Northwest musicians scheduled throughout the festival. Enjoy food from over 60 restaurant booths, live cooking demonstrations and 5 live music stages! For more info visit: biteofseattle.com
LOCAL EVENTS GUIDE PUGET SOUND
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.
AUGUST
AUG 1 - 3 |
SUMMER FESTIVAL
Magnolia Summerfest is a 3-day festival that focuses on volunteerism, fun family activities and giving back to local needs. The festival includes a parade, live music, food vendors, a beer & wine garden, and an art fair! For more info visit: magnoliasummerfest.org
AUG 21 - 31 | STATE FAIR
The Evergreen State Fair is a 12day fair which is held each year from late August through Labor Day. It is the largest county fair in the Pacific Northwest region of the United States. So come grab some great fair food and enjoy some rides! For more info visit: evergreenfair.org
AUG
29
- 31 | MUSIC FESTIVAL
Oak Harbor Music Festival features 30 bands playing all types of music on two stages, beer & wine, food vendors, and arts & crafts along SE Pioneer Way on Whidbey
Island. The festival is dedicated to hosting a world-class, 3-day event which contributes vibrancy to the local community, brings our island neighbors together, establishes lasting connections with visitors, and encourages the expression of music in local young people. For more info visit: oakharborfestival.com
SEPTEMBER
SEP 1 | BLACKBERRY FESTIVAL
Walk aboard a ferry to the free Bremerton Blackberry Festival. Hear music on two entertainment stages, visit the beer & wine garden, and shop the waterfront for art, jewelry, fair food, and blackberry pie. For more info visit: blackberryfestival.org
SEPT 27 - 28 | ITALIAN FESTIVAL
Welcome to Seattle’s Annual Festa Italiana! Festa Italiana is an all-volunteer community organization that produces an annual series of events the last week of September, culminating in a freeItalian
LOCAL EVENTS GUIDE PUGET SOUND
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.
Festival. Since 1988, we have been celebrating the cultural roots of Italians and Italian-Americans in the Pacific Northwest by promoting the arts, the food and the culture that are uniquely Italian. For more info visit: festaseattle.com
OCTOBER
OCT 5 | CROATIAFEST
CroatiaFest is able to present Croatian culture, history, cuisine, music, original traditional costumes and dance to the thousands of festival attendees and the hundreds of visitors of the Seattle Center campus.For more info visit: https://tinyurl.com/mrkyztt9
OCT 18 | SLACK KEY FESTIVAL
Since 2009, the Seattle Slack Key Festival has featured the most respected names in Hawaiian music and hula today. For more info visit: slackkeyfest.com
NOVEMBER NOV 29 | GHOST MARATHON
The course heads south from the starting line, clockwise around Seward Park, and then north along Lake Washington Boulevard past Leschi to the turnaround point. You will head south back past the Leschi aid station and back to the start/finish line. 0For more info visit: nwultras.com
NOV 29 | WINTER FEST
Join us as we light up the holiday season with our annual Winterfest celebration. Enjoy the Christmas tree lighting, live entertainment, and a magical Holiday Night Market featuring local craft and food vendors. Plus, get a special photo op with Santa himself!. See you there for family friendly festive fun and holiday cheer! For more info visit: https://tinyurl.com/yc2e9ayc
LOCAL EVENTS GUIDE PUGET SOUND
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.
DECEMBER
DEC TBA | SLEIGH THAT 5K
The best of both worlds - a pre-turkey run and a ugly sweater run! Grab your friends & family and join us for a fun 5k to start the holiday season! For more info visit: https://tinyurl.com/yd74jtn3
DEC 4 - 7 | VICTORIAN COUNTRY CHRISTMAS
This event, held at the Washington State Fair Events Center in Puyallup, offers a nostalgic holiday experience! For more info visit: victorianchristmasfestival.com
JANUARY
JAN TBA | BOAT SHOW
Seattle Boat Show has 800 boats and watercraft on display plus 150 boating seminars at Lumen Field. For more info visit: seattleboatshow.com
JAN 1 | POLAR PLUNGE
Kick off the new year by plunging (or walking) into Puget Sound! Jump into the cold waters of Puget Sound at Polar Bear Plunge at Point Defiance Marina. Afterward, warm up at heating tents with hot drinks. For more info visit: https://tinyurl.com/5fbd9ect
FEBRUARY
FEB 19 - 22 | WINTERGRASS FEST
We’re exploring the world of Torch and Twang - featuring great singers and players exuding the soul of Bluegrass, the Blues and a special focus on the rich heritage of Cajun/Louisiana music. The festival will feature 5 stages, dances, jamming and new this year, tickets to single shows. For more info visit: wintergrass.com
2025 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
* Schedule subject to change
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
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
2025 GRAND SLAM TOURNAMENT SCHEDULE
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.
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!
AUCTION HOUSE
Grant Zahajko Auctions 3
BODY CONTOURING
Flatten the Curve Body Sculpting ........................1
BODY SCULPTING
Flatten the Curve Body Sculpting ........................1
COUNSELING
Franke Tobey Jones ...................Front Inside Cover
FINANCIAL ADVISOR
Doug Esterly - Edward Jones 9
HOME CARE
Peninsula Homecare
Cooperative ........................ Front Cover, Back Cover
INSURANCE
Humble Insurance Group ...................................... 15
MENTAL HEALTH CLINIC
Franke Tobey Jones Front Inside Cover
PSYCHIATRIC TREATMENT
Angels Psychiatry Back Inside Cover
SENIOR LIVING
Franke Tobey Jones ...................Front Inside Cover
SKIN TIGHTENING
Flatten the Curve Body Sculpting ........................1
WEALTH MANAGEMENT
UBS Financial Services.............................................5
WINDOW CLEANING
Interlake Window Cleaning 9
