If youve retired, you may have thought you closed the book on one chapter of your life. But what happens if you need to reverse your retirement?            Due to higher inflation and rising interest rates, many retirees are taking out more money from their retirement accounts than they had originally anticipated. As a result, some are headed back to the workforce. If youre thinking of joining them, youll need to consider some factors that may affect your finances. First, if youve been taking Social Security, be aware that you could lose some of your benefits if you earn over a certain level, at least until you reach your full retirement age, which is likely between 66 and 67. Specifically, if you are under your full retirement age for the entire year, Social Security will deduct $1 from your benefit payments for every $2 you earn above the annual limit, which, in 2024, is $22,320. In the year you reach your full retirement age, Social Security will deduct $1 in benefits for every $3 you earn above a different limit, which, in 2024, is $59,520. Social Security will only count your earnings up to the month before you reach your full retirement age, at which point your earnings will no longer reduce your benefits,  regardless of how much you earn. Also, Social Security will recalculate your benefit amounts to credit you for the months your payments were reduced due to your excess earnings. Social Security also allows you to pay back early benefits received if you withdraw your application within 12 months of starting benefits. This move could help you receive substantially higher benefits at full retirement age.Your Social Security isnt the only benefit that could be affected by your earnings. Your Medicare Part B and Part D premiums are based on your income, so they could rise if you start earning more money. Also, your extra income could push you into a higher tax bracket.Nonetheless, you can certainly gain some benefits by returning to the working world. Obviously, youll be making money that can help you boost your daily cash flow and possibly reduce some debts. But depending on where you work, you might also be able to contribute to a 401(k) or other employer-sponsored retirement plan. And regardless of where you work, youll be eligible to contribute to an IRA. By putting more money into these accounts, you may well be able to strengthen your financial position during your retirement years. You might also be able to receive some employee benefits, such as group health insurance which could be particularly valuable if you havent yet started receiving Medicare. In addition to the potential financial advantages of going back to work, you might get some social benefits, too. Many people enjoy the interactions with fellow workers and miss these exchanges when they retire, so a return to the workforce, even if its on a part-time basis, may give you an emotional boost.In the final analysis, youll want to weigh the potential costs of going back to work against the possible benefits. Theres no one right answer for everyone, but by looking at all the variables, you should be able to reach a decision that works for you.  Chad Choate III, AAMS828 3rd Avenue WestBradenton, FL 34205941-462-2445chad.chaote@edwardjones.com

Begin by acknowledging the common struggles seniors face during certain times, such as cold weather, shorter days, holidays, and the absence of loved ones. Emphasize the importance of addressing these feelings and provide a sense of empathy.Understanding Seasonal Blues:Discuss why seniors may experience heightened feelings of sadness during specific seasons. Factors such as reduced sunlight, changes in routine, and memories of past holidays can contribute to these emotions.Embracing Light Therapy:Highlight the benefits of light therapy, especially during the colder and darker months. Explain how exposure to light can positively impact mood and help regulate sleep patterns. Recommend incorporating natural light whenever possible and using light therapy lamps if needed.Creating Comfortable Spaces:Explore the idea of making living spaces cozy and comforting. Suggest activities such as decorating for the holidays, using warm colors, and adding soft blankets or cushions to create a welcoming environment.Connecting with Others:Address the importance of social connections, especially during times when loneliness may intensify. Encourage seniors to participate in community events, join clubs, or engage in activities that foster social interactions.Honoring and Remembering:Acknowledge that holidays and special occasions can be particularly challenging for seniors who miss loved ones. Share ideas on how to honor and remember those who are no longer present, such as creating a memory scrapbook or participating in a remembrance ceremony.Seeking Professional Support:Emphasize the significance of seeking professional help when feelings of sadness become overwhelming. Discuss the benefits of talking to a therapist, counselor, or support group, and provide information on available resources.As we navigate the holiday season, its essential to recognize and address feelings of loneliness, especially for those under home care. By embracing technology, fostering a festive atmosphere, engaging in meaningful activities, and connecting with caregivers and loved ones, we can ensure that the holidays are a time of joy, companionship, and warmth. Together, lets create a season that is truly merry and bright for everyone, regardless of their circumstances.

As we celebrate National Nutrition Month in March, its essential to reflect on the profound influence of nutrition on our health and well-being. Amidst the festivities, its crucial not to overlook the critical connection between nutrition and frailty, a condition that can significantly impact overall health, mobility, and quality of life, particularly in older adults.The Relationship between Nutrition and Frailty:Frailty, a condition characterized by decreased physiological reserves and increased vulnerability, is exacerbated by poor nutrition. National Nutrition Month provides an opportune moment to examine how inadequate nutrition can accelerate frailty and diminish overall health, highlighting the importance of addressing nutritional needs across all age groups.Muscle Mass and Strength:Protein, a cornerstone of nutrition, is vital for maintaining muscle mass and strength, especially as we age. Yet, many older adults fail to consume sufficient protein, contributing to sarcopenia and frailty. During National Nutrition Month, lets emphasize the importance of incorporating protein-rich foods into our diets to support muscle health and combat frailty.Bone Health:Calcium, vitamin D, and vitamin K are essential nutrients for bone health, yet deficiencies are prevalent, particularly among older adults. National Nutrition Month serves as a reminder to prioritize bone-nourishing foods and supplements to reduce the risk of fractures and maintain mobility and independence.Immune Function:Nutrition plays a critical role in supporting immune function, with malnutrition weakening the immune system and increasing susceptibility to infections. This National Nutrition Month, lets recognize the significance of a well-rounded diet in bolstering immune health and mitigating frailty-related complications.The Importance of Mobility:Maintaining mobility is essential for independence and quality of life, yet poor nutrition can hinder physical function and exacerbate frailty. As we observe National Nutrition Month, lets underscore the importance of a balanced diet in promoting mobility and preserving autonomy as we age.Improving Nutrition to Combat Frailty:Addressing nutritional deficiencies is paramount in preventing and managing frailty. During National Nutrition Month and beyond, lets commit to prioritizing nutrient-dense foods and supplements to support overall health and well-being, regardless of age.Conclusion:As we celebrate National Nutrition Month this March, lets not only savor the delicious flavors and nutritious foods but also reflect on the profound impact of nutrition on frailty and overall health. By prioritizing proper nutrition and making informed dietary choices, we can mitigate frailty, enhance mobility, and embrace a healthier, more vibrant future. Lets nourish our bodies and minds, recognizing that investing in nutritional health is an investment in longevity and vitality.