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Retirement Planning
B eing retired is a common goal for Americans. Before you can
comfortably spend your days sleeping in, out on the lake or catching
up taking time to yourself, you must have a retirement plan in order.
FINDING AN ADVISOR
AARP recommends finding
an advisor who identifies as a
fiduciary. This means they
are someone who puts your
interests ahead of his or her
own. They are considered the
safest option when it comes to
providing unbiased advice
that may conflict with your
own wishes.
Here are some other strate-
gies AARP recommends when
finding the right advisor for
your situation.
Credential check: Its FOTOLIA
important to know that your
potential advisor has his cur-
rent credentials in good stand- hourly, by commission or by a his success rate and commit- meet your goals. suitability standard can sell
ing and doesnt have any nega- percentage of assets under ment. If he refuses this infor- you products based on age or
tive marks on his record. You management. If it is a per- mation, it might be a red flag. TYPES OF ADVISORS risk tolerance. These products
can find more about individu- centage, the fees should gen- Get your plan in writing: You already know to look for may not be beneficial to your
al advisors through The erally be under 1 percent Having a written strategy fiduciary standards when needs.
Commodity Futures Trading annually. about why an investment seeking an advisor. You likely Dually registered advisors
Commission. Talk to other clients: Ask makes sense for you will make will see other designations bounce around from fiduciary
How theyre paid: You your potential advisor for con- it easier to understand. You when you are on your search. to suitability standards. You
have the right to know how tact information of other peo- may ask for an investment Here are the other common might find them inconsistent
your advisor is being compen- ple they represent. This gives policy statement to outline the terms and how they operate: when planning your retire-
sated. She will likely be paid you a good chance to gauge details of how your advisor will Advisors who follow the ment.
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FOTOLIA
ELEMENTS OF YOGA
Yoga was designed to
enhance the mind, body and
spirit. It focuses on three
important elements: exercise,
breathing and meditation.
Practicing yoga provides a
calming effect and allows you
a unique opportunity to take
your mind off your busy rou-
tine and focus on yourself.
According to the American
Senior Fitness Association,
aging causes a loss of flexibili-
ty in our rib cages. This may
sometimes cause spinal defor-
FOTOLIA
mities that lessen room for
lung expansion. Yoga helps
seniors remember to fully
inhale and exhale which helps joint or bone is under any tine helps seniors fall asleep pain levels and the reliability for improving balance.
to slow down heart rates to excessive stress. faster and improves the overall of pain medication. Plank: Performed by hold-
improve focus and concentra- quality of sleep. ing yourself up with your
tion. SENIOR HEALTH BENEFITS Healthy sugar levels: BENEFITS FROM hands and feet. It builds
Asana is the other aspect of Practicing yoga does much Diabetes is a big contributor COMMON POSITIONS upper-body strength and core
yoga. It is a Sanskrit term more than provide you with to senior illness. Studies show AARP has laid out the stability.
which translates to pose or physical activity and enhance that practicing yoga for just 40 names of some common posi- Camel pose: Accomplished
posture. Achieving asana flexibility. Here are some other minutes a day significantly tions you will be asked to per- by standing on your knees and
means there is a balance good reasons you should try it, lowers blood sugar levels. form. Here is how they help: stretching backwards. Its a
between each side of the body. per the SFA: Eases pain: Studies show Tree pose: Achieved by great way to stretch and open
This means no organ, muscle, Sleep better: A yoga rou- that yoga can reduce chronic standing on one leg, it is great your chest.
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Staying in Touch
B eing unfamiliar with technological advances can be frustrating for seniors who are trying to catch up. When
learning how to operate machines such as computers, tablets or smartphones, patience is key. Becoming
efficient in technology will give you a sense of accomplishment and help you keep in touch with family and friends.
NEWS
Morning
with your
coffee
through our E-edition (817) 594-7447 512 Palo Pinto Street
weatherforddemocrat.com
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