GOLDEN YEARS, GOLDEN GAINS
A RETIREMENT RICHES ROAD MAP
Once you’ve reached the age where stepping away from your life’s work is feasible, it is essential to explore ways to make your retirement funds last as long as possible — a goal that involves more than just keeping your bills paid in your golden years. Here are three thoughts to help you move toward a comfortable, sustainable, and secure post-work life. Redefine the future. There are several ways to build a reliable retirement plan to ensure financial strength. First, consider whether your anticipated fund withdrawals align with your tax strategies. For example, a Roth IRA conversion could present opportunities to reduce your financial obligations if you anticipate reaching a higher income tax bracket later in life. At the same time, charitable giving could result in similar advantages. Balance benefits with needs. Factoring in your Social Security benefits is another way to determine your post-retirement financial health, but only if you carefully consider when you begin receiving them. Generally, you can begin claiming Social Security benefits between ages 62–70, and the age you choose to receive them determines the amount.
If you decide to begin receiving your benefits as soon as you turn 62, they will remain at the lowest amount available indefinitely. Full benefits kick in once you reach your full retirement age of 67, but delaying them until you’re 70 will add 8% to your annual income. Avoid the risks of restraint. Although patience comes with a payoff, you face a few dangers if you delay your Social Security benefits. For example, putting off receiving them could prevent you from having the funds necessary to address any unexpected medical situation. Additionally, waiting until 70 could have a negative financial impact on your significant other, as spousal benefits are capped when your partner reaches full retirement age under certain conditions.
As no two financial paths are the same, we encourage you to consult a financial advisor and/or estate planner to ensure the most comfortable retirement
and sustainable legacy possible.
Climbing Past Parkinson’s
ROCK WALLS ARE HELPING PATIENTS RISE ABOVE
In a remarkable twist on traditional
to ensure their safety while they climb. Cupka emphasizes that the act of climbing engages the body and mind, requiring climbers to assess routes and make calculated movements, which can enhance cognitive function and physical agility. One inspiring participant is Dr. John Lessin, a former cardiac anesthesiologist diagnosed with Parkinson’s in 2003. Despite the disease’s progression, Lessin has embraced climbing, scaling walls up to 60 feet high. He describes reaching the summit as a triumphant experience: “I feel like I’ve conquered something. And I feel like the wall can’t beat me. I can beat the wall.” His daughter, Brittany, notes the significant impact rock climbing has had on her dad, claiming his newfound passion brings joy and a sense of accomplishment. Another climber, Vivek Puri, diagnosed at 38, refers to himself as “Spider-Man” when on the wall. He observes that climbing
sessions alleviate his symptoms, particularly improving his fine motor skills. Puri’s experience underscores the potential of climbing to mitigate some of the physical challenges Parkinson’s presents. Beyond individual achievements, the program fosters a supportive community among participants. Climbers often form bonds, encourage each other, and share their victories together — it’s a great way to build camaraderie and take stress off patients! While rock climbing may not be a conventional treatment for Parkinson’s, the success stories emerging from UpENDing Parkinson’s suggest that with innovation and determination, patients can find new avenues to combat the disease’s effects. This approach not only challenges the limitations imposed by Parkinson’s but also redefines what is possible in the realm of therapy and rehabilitation.Climb on!
therapy, individuals battling Parkinson’s disease are finding empowerment and improved well-being
through rock climbing. This unconventional approach is spearheaded by Molly Cupka, who founded the nonprofit organization UpENDing Parkinson’s over a decade ago. Her program introduces Parkinson’s patients to the vertical world of climbing, which offers both physical and mental benefits. Parkinson’s disease often impairs mobility, balance, and coordination. Rock climbing, with its demands for strength, strategic planning, and focus, serves as a comprehensive workout. Participants are securely harnessed
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