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.
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
BANANA DATE NUT BREAD
• 3 ripe bananas mashed
• 2 eggs
• 1 stick butter
• 1 cup unbleached flour
• 1 cup whole wheat flour
• 1/2 cup shelled walnuts chopped
• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)
• 1 tsp baking soda
• 1/2 tsp salt
• 1 tsp vanilla extract
• Preheat the oven to 350 degrees
• Grease a 9x5x3 bread pan
• Cream butter and date mixture
• Add eggs one at a time, beating well
• Sift flour, baking soda, and salt and add to creamed mixture
• Fold in mashed bananas, vanilla and walnuts
• Pour mixture into the bread pan
• Bake for 50-60 minutes or until the toothpick comes out clean
• Cool for 10 minutes and then put on a rack
2025 PGA TOURNAMENT SCHEDULE
DATES TOURNAMENT
AUG 7 - 10
AUG 14 - 17
AUG 21 - 24
SEP 11 - 14
SEP 26 -28
OCT 2 - 5
OCT 9 - 12
OCT 23 - 26
NOV 6 - 9
NOV 13 - 16
DEC 4 - 7
DEC 12 - 14
FedEx St. Jude Championship TPC Southwind Memphis, TN • USA
BMW Championship Caves Valley Golf Club Owings Mills, MD • USA
TOUR Championship East Lake Golf Club Atlanta, GA • USA
Procore Championship Silverado Resort Napa, CA • USA
Ryder Cup Bethpage State Park (Black) Farmingdale, NY • USA
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
+ Signature Event
# Not PGA TOUR Co-sponsored
^ Co-sanctioned with DP World Tour
* Schedule subject to change
PREVIOUS WINNER
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
CBS, NBC, GOLF, ESPN+, SXM
2025 LPGA TOURNAMENT SCHEDULE
LOCAL EVENTS GUIDE TREASURE COAST
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 9 | BONITO
BLAST
The Treasure Coast Bonito Blast (TCBB) is the largest one day tournament on the Treasure Coast. The Bonitos are always biting at this time of year! Since the start of the TCBB we have raised over $500,000 for Wounded Veterans Relief Fund (WVRF), which provides Emergency Financial Assistance and Critical Dental Support to many veterans right here in our local community.
For more info visit: treasurecoastbonitoblast.com
AUG 16 | WING FEST
Who serves up the best wings in Florida!? Attendees will stop by each booth to sample what each Competitor is servin’ up... And then continue to enjoy unlimited wing samplings, alcohol, Game Area, and live music all night long!
For more info visit: https://tinyurl.com/yx9am9fw
SEPTEMBER
SEPT 12 - 14 | COUNTRY
FEST
Step into a weekend filled with music, flavor, and fun at the Causeway Country Fest, at the picturesque Causeway Cove Marina in Ft. Pierce, Florida. Imagine three days of continuous country music from 10 incredible bands, spread across two stages, creating a vibrant atmosphere that will have you line dancing under the endless Florida sun.
For more info visit: causewaycountryfest.com
SEPT 13 - 14 | HOME SHOW
At the Port St. Lucie Home Show find everything for your home improvement projects. View and interact with the industry’s hottest home and garden products. Here you will find professional exhibitors with fabulous ideas for your home. Most importantly you will also have the opportunity to speak directly with experts and receive advice and inspiration.
For more info visit: portstluciehomeshow.com
LOCAL EVENTS GUIDE TREASURE COAST
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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OCTOBER
OCT 25 | CARIBBEAN FEST
The Caribbean American Cultural Group present Caribbean Food and Music Festival! CACG mission is to serve as the channel through which the culture, art, history, and spirit of the Caribbean Nations are shared with our local community! For more info visit: cacgpsl.org
NOVEMBER
NOV 1 | BREW FEST
The Treasure Coast Brew Fest, the Treasure Coast’s largest and longest-running beer festival, is held each year in early November. In years past, attendees have had the opportunity to sample over 200 brews from over 50 different breweries. In addition to craft beer tasting, guests can dine al fresco food truck style, enjoy live music and play games. Our brew fest is family-friendly, and all of our guests who aren’t sampling beer can attend for free. For more info visit: tcbrewfest.com
NOV 1 - 2 | SEAFOOD FEST
The festival is a seafood enthusiast’s dream come true featuring a wide variety of seafood. Rounding out this family-oriented event, nautical vendors will offer unique merchandise and services, artists and craftsmen will display and sell their original works, live music will entertain on stage all three days, and local businesses and nonprofit organizations will provide information on services available. For more info visit: treasurecoastseafoodfest.com
NOV 8 - 9 | ART FESTIVAL
Artists will be jury-selected to exhibit in this outdoor fine art show. It’s one of the top shows in the area, drawing outstanding master artists from throughout the United States and beyond. So come and enjoy all the beautiful sights, maybe you’ll even bring some art home with you! For more info visit: spacecoastartfestival.com
LOCAL EVENTS GUIDE TREASURE COAST
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 1 - 29 | FESTIVAL OF LIGHTS
A seasonal favorite, a new tradition, spreading Joy to the World! Enjoy a drive-thru Holiday Lights experience complete with Santa’s Village. For more info visit: https://tinyurl.com/yda5ff99
DEC 6 | FOOD FEST
Experience the event of the season, with festive holiday decor and lights, your favorite characters, delicious holiday themed food & market place filled with unique handmade Items! For more info visit: https://tinyurl.com/5bur9w5n
JANUARY
JAN TBA | SEAFOOD FESTIVAL
A two-day outdoor pet-friendly festival with great seafood, arts & crafts vendors, exhibitors & tasty cocktails. Enjoy a delicious variety of seafood and tropical drinks while you browse an amazing collection of arts & craft and nautical vendors, exhibitors and artists. For more info visit: portsaintlucieseafoodfestival.com
FEBRUARY
FEB TBA | PIRATE FEST
Treasure Coast Pirate Fest will feature pirate themed attractions such as a living history pirate encampment, pirate ships, costume contests, treasure hunts, live mermaids, pirate weapon demonstrations, historical reenactors, artists and live performances by some of the best pirate bands. For more info visit: treasurecoastpiratefest.com
LOCAL EVENTS GUIDE TREASURE COAST
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.
FEB 28 | BLUES FESTIVAL
Come enjoy an unique 2 day music festival experience combining the love of Blues & Blues Rock music talent on stage along with delicious foods, beer & full liquor bars and an amazing weekend to remember with friends and family. 10 bands on the blues stage with professional sound and lighting. For more info visit: verobluesfest.com
MARCH
MARCH TBA | COUNTY FAIR
Saint Lucie County Fair promotes agriculture, horticulture, industrial, creative arts and crafts and sciences and educational opportunities while providing quality entertainment for the people of the Treasure Coast. Come on by for some fair food! For more info visit: stluciecountyfair.org
MARCH 1 | TREASURE COAST
The Marathon of the Treasure Coast is a USATF certified Boston-Qualifying Marathon (FL-
21049JK) designed to offer race opportunities for all levels of runners and activities for onlookers. Our mission is to make sure all runners, walkers, and relay teams will find a race and course they will enjoy. You can also earn your medal from anywhere in the world with the Virtual Race. For more info visit: treasurecoastmarathon.com
APRIL
APRIL 9 - 12 | FILM FEST
We’re planning another weekend of Films, Food, and Fine Wines as the Vero Beach Film Festival celebrates our ninth Festival, pairing independent filmmakers and audiences seeking new voices and fresh perspectives. Meet the artists behind the screen, enjoy a vintner dinner, and explore Vero Beach, our hidden gem, “Where The Tropics Begin,” along Florida’s eastern coast. For more info visit: vbfilmfest.org
LOCAL EVENTS GUIDE
TREASURE COAST
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
MAY 9 | BREW MILE
Welcome to the fourth-annual Treasure Coast Brew Mile! This chip-timed race promises an exhilarating blend of running, community, and the delight of craft beer. Save the date for Saturday afternoon, May 9, 2026, and embark on an unforgettable journey that starts and ends at the iconic Frazier Creek Brewstillery, even taking you over the historical Frazier Creek. There is a maximum of 200 participants so sign up early! For more info visit: https://tinyurl.com/ye54dyrn
JUNE
JUNE 27 | BURGERS & BREWS
Live performances will entertain the crowd all day along with vendors, a kids zone, breweries, car show, food trucks and delicious burgers. One of the highlights at Burgers & Brews is the “Best Burger in Indian River County Competition”. Have a chance to vote for your favorite burger! For more info visit: burgersandbrews.org
JULY
JULY 4 | INDEPENDENCE DAY
Enjoy a day of fun at Commons Park with the Village of Royal Palm Beach with our Star Spangled Spectacular! The festivities begin at 4pm and run to 10pm and will feature some exciting activities which include a Free Kids’ Fun Zone, Arts & Craft and merchandise vendors, and a nice selection of food vendors that will surely satisfy your appetite. Let’s celebrate America’s birthday the right way! For more info visit: https://bit.ly/35UQmI4
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
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!
