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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

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

RAI $1,422,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour

MAY 29 - JUN 1

JUN 5 - 8

JUN 12 - 15

JUN 19 - 22

JUN 26 - 29

JUL 3 - 6

JUL 10 - 13

JUL 17 - 20

Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA

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

Country Club • Oakmont, PA • USA

Championship + TPC River Highlands • Cromwell, CT • USA

Mortgage Classic Detroit Golf Club • Detroit, MI • USA

Deere Classic TPC Deere Run • Silvis, IL • USA

Renaissance Club • North Berwick • SCO

Championship Hurstbourne Country Club (Championship Course) • Louisville, KY • USA

Open Championship Royal Portrush Golf Club • Portrush • NIR

Championship Tahoe Mountain Club (Old Greenwood) • Truckee, CA • USA

JUL 24 - 27 3M Open

Twin Cities • Blaine, MN • USA

JUL 31 - AUG 3

Championship Sedgefield Country Club • Greensboro, NC • USA

2025 LPGA TOURNAMENT SCHEDULE

LOCAL EVENTS GUIDE BAY AREA

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 13

- 15 | JAZZ FESTIVAL

This year marks the Annual SF Jazz Festival, offering over a week of incredible music from acclaimed jazz musicians, including those such as Gregory Porter, Christian McBride, Dianne Reeves, and more. For more info visit: sfjazz.org

JUNE 13 - 15 | BBQ COMPETITION

Free outdoor family festival. Three Days of Music, Arts & Crafts, Kids Activities, Carnival Rides, and the Best BBQ Food in Contra Costa. For more info visit: countybbq.com

JULY

JULY 5 - 6

| JAZZ FESTIVAL

The largest jazz festival on the west coast takes place on the weekend after Fourth of July in San Francisco. This is one of the fun San Francisco events in July that offers free live jazz music all weekend long. For more info visit: fillmorejazzfest.com

JULY 12 | FOLK FESTIVAL

The annual San Francisco Folk Festival is free and offers a variety of dance and music shows, as well as workshops. Guitar, ukulele, waltz, Irish step, and Argentine tango are just a few of the genres you will hear and dance to. In addition, there will be crafts, vendors, and it’s one of the San Francisco events in July with fun activities for the whole family. For more info visit: sffolkfest.org

AUGUST

AUG

7 - 10 | COUNTRY FAIR

This year’s Napa Town & Country Fair runs for three days. It’s a great place to find the best meat, fruits, vegetables, and wines from local growers and producers. In addition, you will find find plenty of fun activities for the entire family. For more info visit: napafair.org

LOCAL EVENTS GUIDE BAY AREA

AUG

17 - 18 | ART, WINE, &

BEER FESTIVAL

Not only an art, wine and beer festival, this is also a great car show too. The festival has a competition with over 120 different artists bringing their best from around the world. Located at the stunning Skypark, with redwoods all around, this is one of the San Francisco Bay Area events in August that has something for the whole family ranging from food, art, music, drinks and anything else you can imagine. For more info visit: svartfestival.com

SEPTEMBER

SEPT 26 - 27 | OKTOBERFEST

Join us in the biergarten or on the dance floor for another epic

Oktoberfest in Walnut Creek. It’s a great place to show off your dirndl dress or don the lederhosen. This 2-day-long, family-friendly event recreates the beloved German fall celebration. Oktoberfest will include live entertainment, music, dancing, gourmet food and dozens of artisan vendors, arts & crafts, biergarten with dozens of craft beers, wine, international music, Kinder Platz Kids Zone. For more info visit: https://tinyurl.com/3vmuy6td

OCTOBER

OCT 12 | HERITAGE FESTIVAL

San Francisco is home to the country’s oldest Italian American Parade, which takes place every year as part of the Columbus Day

LOCAL EVENTS GUIDE BAY AREA

celebration. Follow the parade of floats, bands, and traditional Italian musicians from Fisherman’s Wharf to the heart of North Beach, where it will conclude at a small festival in Washington Square Park. It’s one of the top family-friendly San Francisco events in October. For more info visit: sfitalianheritage.org

NOVEMBER

NOV

1 -

2 | CRAFT FAIR

Shop from over 250 artists at Renegade San Francisco ~ featuring the best artist-made gifts, creative small bizz goods, and handmade treasures, all in time for the holidays! For more info visit: renegadecraft.com

NOV

- 9 | COFFEE FESTIVAL

This is the perfect festival for those that are in love with coffee! Sample unique flavors from a large variety of exhibitors. You can also listen to live music as you savor your coffee samples. For more info visit: sfcoffeefestival.com

DECEMBER

DEC 1 - 21 | DICKENS FAIR

Celebrate the holiday season at this unique festival. The Great Dickens Fair is a recreation of Victorian London and includes costumed characters, lively entertainment, and food and drink. It’s a great place to also pick up some interesting holiday gifts for those on your list. For more info visit: dickensfair.com

JANUARY

JAN 16 - 19 | TRUFFLE FESTIVAL

This is a milestone year in which we anticipate being able to showcase ultra fresh Napa/Sonoma harvested Périgord black truffles for the very first time in our festival history! Considering that truffles have a freshness half life of only 5 days, this becomes a game changer because you’ll be able to taste for yourself how much more potent and aromatic these locally harvested truffles are, compared to those imported from Europe. For more info visit: napatrufflefestival.com

LOCAL EVENTS GUIDE BAY AREA

FEBRUARY

FEB

1 - 2 | SF SKETCHFEST

One of the largest comedy festivals and San Francisco events in January is SF Sketchfest. It features two and a half weeks of comedy sketches and performances by well known comedians. There are also a handful of workshops, panels, and other fun activities. Each day, you will find three to four shows at venues all around SF. For more info visit: sfsketchfest.com

MARCH

MARCH 7 | LUNAR NEW YEAR

The Chinese New Year celebration in San Francisco is one of the largest in the world. The parade includes several floats, the largest and most popular of which is the 28-foot-long Golden Dragon. It takes a team of more than 100 people to operate and move it through the streets of San Francisco. For more info visit: chineseparade.com

MARCH 15 | SAINT PATRICK’S DAY

It’s that time of year again, when SF turns green! Whether you’re looking for parties, pub crawls, cultural festivals, or family fun, you’ll find plenty of ways to celebrate Saint Patrick’s Day in the city. For more info visit: https://tinyurl.com/mr3bncfu

APRIL

APRIL TBA | CHERRY BLOSSOM FESTIVAL

This event takes place over two weekends, and is a celebration of springtime and the blossoms all over Japantown. During the festival, you can enjoy traditional music, dance, and food. You can also sample gourmet treats and learn more about these gorgeous blossoms. For more info visit: sfcherryblossom.org

2026 GRAND SLAM TOURNAMENT SCHEDULE

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

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

* 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

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.