The Chronicle-News Trinidad, Colorado Page 8 “Weekend Edition” Friday, Saturday & Sunday, May 8-10, 2015 Lori M. Hoffman Financial Advisor 134 W. Main St. Suite 31 Trinidad, CO 81082 719-846-6301 EDWARD JONES FINANCIAL FOCUS This article was written by Edward Jones for use by your local Edward Jones Financial Advisor. www.edwardjones.com Member SIPC Help Mom with Her Retirement Income Strategy Mother’s Day is almost here. is occasion may have special significance for you if you’ve been fortunate enough to have your mother around for your adult life. So naturally, you’ll want to bring Mom some flowers or another giſt. But if she’s planning to retire soon, you may want to think about a longer-term way to improve her life — namely, by initiating a conversation about her retirement income strategy. Of course, she may already have matters well in hand. But a great many people on the verge of retirement have not planned for those years, so you may be able to provide some valuable suggestions. Here are a few ideas: Boost contributions to retirement plans. If Mom is still working, urge her to contribute as much as she can afford to her IRA and her employer-sponsored retirement plan, such as a 401(k). e chances are pretty good that she will be spending many years in retire- ment — in fact, the average life expectancy for a 65-year-old woman is 20.5 more years, according to the Centers for Disease Control and Prevention. So she’ll want to accumulate as much as possible before she bids “adieu” to the working world. Discuss appropriate withdrawal rates. En- courage your mother to meet with a financial professional to determine an appropriate rate of withdrawal from her investments. To help ensure that she doesn’t outlive her resources, she needs to avoid taking out too much during her early years of retirement. Take care of legal arrangements. If you haven’t already done so, ask your mother if she has drawn up the important legal documents related to her estate plans. Does she have a will? Has she created a durable power of at- torney, which allows her to name someone to make financial and health care decisions on her behalf if she becomes incapacitated? As you know, this is a sensitive topic, so you’ll want to approach it with care. Evaluate Social Security options. Your mother is probably well aware that she can start taking Social Security as early as age 62, but will get much bigger monthly payments if she waits until her full retirement age, which will likely be 66 or 67. But she may not know that she might be able to benefit from a Social Security “spousal strategy” that could result in her receiving more income than she could get by just taking her own benefits. For example, if her spouse is the higher wage earner and can afford to delay taking benefits, your mother could eventually receive higher survi- vor benefits. Or, your mother and her spouse could employ a “file and suspend” strategy. Under this strategy, her spouse, upon reaching full retirement age, files for retirement benefits and then immediately requests to have those benefits suspended. As a result, your mother can file for spousal benefits, which would be larger than what she would receive at her full retirement age. To make sure they are making any Social Security-related moves correctly, though, your mother and her spouse will want to consult with a tax advisor who is thorough- ly familiar with Social Security rules. You want your mother to enjoy a long, happy and active retirement. So, talk to her about the moves she can make to help turn that aspira- tion into reality. C OMMUNITY & S PORTS HONORING THOSE WHO SERVED Trinidad World War II Veterans honored at Air Force Academy Cadet luncheon Special to The Chronicle-News Three World War II Veterans from Spanish Peaks Veterans Community Liv- ing Center in Walsenburg were invited to be the honored guests of 4,000 cadets at the Air Force Academy in Colorado Springs on Thursday, April 9, 2015. U.S. Army veterans Lowell Thompson (of Trinidad), Orlando Gar- cia, and U.S. Navy vet- eran Gladys Beatty were three of the eleven World War II veterans recog- nized at the luncheon or- ganized by Honor Flight of Southern Colorado and the Air Force Academy Center for Character for Leadership Development. Prior to lunch, the vet- erans got to meet person- ally with the comman- dant of cadets, Brigadier General Stephen C. Williams, who later gave an address recognizing the WWII veterans for their service during the lun- cheon, where they enjoyed eating with the commandant and 13 cadets. The veterans were then honored by 4,000 cadets when they were introduced to the group by Wil- liams. Following the luncheon, there were four venues where the veterans were divided into groups, and each got to meet and talk to about 500 cadets. As part of the event held in their honor, the veterans also got to meet “Echo,” the Air Force Academy falcon mas- cot. When Lowell Thompson was asked about his day trip to the Air Force Acad- emy, he said, “It was one of the single most memorable experiences of my life.” Gladys Beatty said her day with the ca- dets was “Wonderful! I felt very much at home and very honored.” Orlando Garcia said, “It was a terrific experience! I felt overwhelmed and hon- ored.” Certified Nursing Assis- tant Roberta Espinoza and their driver, Demi Vallejos, who also got to enjoy the luncheon, accompanied the three veterans to Colorado Springs. Neva Deschner, Activi- ties Director with the Span- ish Peaks Veterans Commu- nity Living Center, said, “I can’t tell you how much the vets enjoyed themselves. Frankly, all of them were pretty overwhelmed by the entire event, and now, three weeks later, they are still talking about it.” Honor Flight of Southern Colorado is a 501c3 non-prof- it organization that takes World War II veterans to Washington, D.C. to visit the memorial built in their honor. To learn more about this organization, or to make a donation, visit www.hon- orflightsoco.org. TRINIDAD STATE SOFTBALL Lady Trojans end season at regionals By Mike Salbato Correspondent The Chronicle-News The 2014-2015 softball season did not end as coach Steve Swazo had hoped for, howev- er, the team still had a very successful year. The Lady Trojans closed the season with a 31- 20 record, finished second in the regular sea- son standings, and were third at the regional tournament. Macie Christian, a sophomore from Hesperia, California was voted first- team All-Region and was named Offensive Player of the Year in Region IX. The two-time All-Region standout set a school record for hits in a season with 87 and her .509 batting average jumped her ahead of former stand- out Julia Diehl for the best season batting average in the twelve-year history of the soft- ball program at Trinidad State. “This team gave me everything they had each game when they got on the field, and from a coaching standpoint that’s all you can ask from your team,” Swazo said. “At the regionals we didn’t get the big hits that we were getting earlier in the year and when that happens the other team is usually going to win. Overall, I am very proud of my team this year. They competed hard and played the game.” Christian finishes her career with 128 hits, third best in school history, and a .457 career batting average, which is now second best on the all-time hitting charts at TSJC. “Macie was fun to watch,” the TSJC coach said. “When she came here as a freshman, we had her in centerfield, (where she was a first-team all-region selection last year) and after that season she said she wanted to play short, and man did she play that position well. Any accolades and awards that she got this year from the regional coaches were well deserved. She is hoping to transfer to the Uni- versity of Arizona or University of Texas to complete her degree.” Other sophomores moving on to the next level to further their softball careers are Sami Miele and Morgan Ginger (who was a second team all- region selection) to Missouri Valley College in Marshall, Missouri; Teaja River who is heading to Adams State Univer- sity and Victoria Gonzales will be attending New Mexico Highlands University. Freshmen Jessica Salbato also received honors as the Region IX coaches selected her first-team all- region as a pitcher. Salbato com- pleted her initial season with a 17-7 record. Her 17 wins in a single season puts her second all-time in wins behind Kaycee Prevedel who just completed her senior season at Adams State University, and her 117 strikeouts places her fourth in the TSJC record books. For the 2016 season, Coach Swa- zo will bring in nine freshmen to join the 14 returning sophomores. They will once again compete for the Region IX title. Photos courtesy Todd Huffman Gladys Beatty poses for a photo with one of the female cadets. World War II veteran, Lowell Thompson, center, with one of the Air Force Academy cadets. Orlando Garcia got up close and personal with “Echo” the Air Force Academy falcon. Photos courtesy of Mike Salbato / TSJC Macie Christian, Jessica Salbato and Morgan Ginger, above left, received All Region honors this past week at the Region IX tournament in Sterling, Colorado (photo by Corey Aragon). Macie Christian wrapped up her tremendous career at TSJC as the Region IX Offensive Play- er of the Year and is fourth in the nation with her .509 batting average.
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The Chronicle-News Trinidad, ColoradoPage 8 “Weekend Edition” Friday, Saturday & Sunday, May 8-10, 2015
Lori M. HoffmanFinancial Advisor
134 W. Main St. Suite 31Trinidad, CO 81082
719-846-6301
EDWARD JONES FINANCIAL FOCUS
This article was written by Edward Jones for use by your local EdwardJones Financial Advisor.
www.edwardjones.comMember SIPC
Help Mom with Her Retirement Income Strategy Mother’s Day is almost here. This occasion may have special significance for you if you’ve been fortunate enough to have your mother around for your adult life. So naturally, you’ll want to bring Mom some flowers or another gift. But if she’s planning to retire soon, you may want to think about a longer-term way to improve her life — namely, by initiating a conversation about her retirement income strategy. Of course, she may already have matters well in hand. But a great many people on the verge of retirement have not planned for those years, so you may be able to provide some valuable suggestions. Here are a few ideas: Boost contributions to retirement plans. If Mom is still working, urge her to contribute as much as she can afford to her IRA and her employer-sponsored retirement plan, such as a 401(k). The chances are pretty good that she will be spending many years in retire-ment — in fact, the average life expectancy for a 65-year-old woman is 20.5 more years, according to the Centers for Disease Control and Prevention. So she’ll want to accumulate as much as possible before she bids “adieu” to the working world. Discuss appropriate withdrawal rates. En-courage your mother to meet with a financial professional to determine an appropriate rate of withdrawal from her investments. To help ensure that she doesn’t outlive her resources, she needs to avoid taking out too much during her early years of retirement. Take care of legal arrangements. If you haven’t already done so, ask your mother if she has drawn up the important legal documents
related to her estate plans. Does she have a will? Has she created a durable power of at-torney, which allows her to name someone to make financial and health care decisions on her behalf if she becomes incapacitated? As you know, this is a sensitive topic, so you’ll want to approach it with care. Evaluate Social Security options. Your mother is probably well aware that she can start taking Social Security as early as age 62, but will get much bigger monthly payments if she waits until her full retirement age, which will likely be 66 or 67. But she may not know that she might be able to benefit from a Social Security “spousal strategy” that could result in her receiving more income than she could get by just taking her own benefits. For example, if her spouse is the higher wage earner and can afford to delay taking benefits, your mother could eventually receive higher survi-vor benefits. Or, your mother and her spouse could employ a “file and suspend” strategy. Under this strategy, her spouse, upon reaching full retirement age, files for retirement benefits and then immediately requests to have those benefits suspended. As a result, your mother can file for spousal benefits, which would be larger than what she would receive at her full retirement age. To make sure they are making any Social Security-related moves correctly, though, your mother and her spouse will want to consult with a tax advisor who is thorough-ly familiar with Social Security rules. You want your mother to enjoy a long, happy and active retirement. So, talk to her about the moves she can make to help turn that aspira-tion into reality.
Community & SportSHONORING THOSE WHO SERVEDTrinidad World War II Veterans honored at Air Force Academy Cadet luncheonSpecial to The Chronicle-News
Three World War II Veterans from Spanish Peaks Veterans Community Liv-ing Center in Walsenburg were invited to be the honored guests of 4,000 cadets at the Air Force Academy in Colorado Springs on
Thursday, April 9, 2015. U.S. Army veterans
Lowell Thompson (of Trinidad), Orlando Gar-cia, and U.S. Navy vet-eran Gladys Beatty were three of the eleven World War II veterans recog-nized at the luncheon or-ganized by Honor Flight of Southern Colorado and the Air Force Academy Center for Character for Leadership Development.
Prior to lunch, the vet-erans got to meet person-ally with the comman-dant of cadets, Brigadier
General Stephen C. Williams, who later gave an address recognizing the WWII veterans for their service during the lun-cheon, where they enjoyed eating with the commandant and 13 cadets. The veterans were then honored by 4,000 cadets when they were introduced to the group by Wil-liams.
Following the luncheon, there were four venues where the veterans were divided into groups, and each got to meet and talk to about 500 cadets. As part of the event held in their honor, the veterans also got to meet “Echo,” the Air Force Academy falcon mas-cot.
When Lowell Thompson was asked about his day trip to the Air Force Acad-emy, he said, “It was one of the single most memorable experiences of my life.”
Gladys Beatty said her day with the ca-dets was “Wonderful! I felt very much at home and very honored.”
Orlando Garcia said, “It was a terrific experience! I felt overwhelmed and hon-ored.”
Certified Nursing Assis-tant Roberta Espinoza and their driver, Demi Vallejos, who also got to enjoy the luncheon, accompanied the three veterans to Colorado Springs.
Neva Deschner, Activi-ties Director with the Span-ish Peaks Veterans Commu-nity Living Center, said, “I can’t tell you how much the vets enjoyed themselves. Frankly, all of them were pretty overwhelmed by the entire event, and now, three weeks later, they are still talking about it.”
Honor Flight of Southern
Colorado is a 501c3 non-prof-it organization that takes World War II veterans to Washington, D.C. to visit the memorial built in their honor.
To learn more about this organization, or to make a donation, visit www.hon-orflightsoco.org.
TRINIDAD STATE SOFTBALL
Lady Trojans end season at regionals By Mike SalbatoCorrespondentThe Chronicle-News
The 2014-2015 softball season did not end as coach Steve Swazo had hoped for, howev-er, the team still had a very successful year. The Lady Trojans closed the season with a 31-
20 record, finished second in the regular sea-son standings, and were third at the regional tournament. Macie Christian, a sophomore from Hesperia, California was voted first-team All-Region and was named Offensive Player of the Year in Region IX. The two-time All-Region standout set a school record for hits in a season with 87 and her .509 batting average jumped her ahead of former stand-out Julia Diehl for the best season batting average in the twelve-year history of the soft-ball program at Trinidad State.
“This team gave me everything they had each game when they got on the field, and from a coaching standpoint that’s all you can ask from your team,” Swazo said. “At the regionals we didn’t get the big hits that we were getting earlier in the year and when that happens the other team is usually going to win. Overall, I am very proud of my team this year. They competed hard and played the game.”
Christian finishes her career with 128 hits, third best in school history, and a .457 career batting average, which is now second best on the all-time hitting charts at TSJC.
“Macie was fun to watch,” the TSJC coach said. “When she came here as a freshman, we had her in centerfield, (where she was a first-team all-region selection last year) and after that season she said she wanted to play short, and man did she play that position well. Any accolades and awards that she got this year from the regional coaches were well deserved. She is hoping to transfer to the Uni-
versity of Arizona or University of Texas to complete her degree.”
Other sophomores moving on to the next level to further their softball careers are Sami Miele and Morgan Ginger (who was a second team all- region selection) to Missouri Valley College in Marshall, Missouri; Teaja River who is heading to Adams State Univer-
sity and Victoria Gonzales will be attending New Mexico Highlands University.
Freshmen Jessica Salbato also received honors as the Region IX coaches selected her first-team all-region as a pitcher. Salbato com-pleted her initial season with a 17-7 record. Her 17 wins in a single season puts her second all-time in wins behind Kaycee Prevedel who just completed her senior season at Adams State University, and her 117 strikeouts places her fourth in the TSJC record books.
For the 2016 season, Coach Swa-zo will bring in nine freshmen to join the 14 returning sophomores. They will once again compete for
the Region IX title.
Photos courtesy Todd HuffmanGladys Beatty poses for a photo with one of the female cadets. World War II veteran, Lowell Thompson, center, with one of the Air Force Academy cadets. Orlando Garcia got up close and personal with “Echo” the Air Force Academy falcon.
Photos courtesy of Mike Salbato / TSJCMacie Christian, Jessica Salbato and Morgan Ginger, above left, received All Region honors this past week at the Region IX tournament in Sterling, Colorado (photo by Corey Aragon). Macie Christian wrapped up her tremendous career at TSJC as the Region IX Offensive Play-er of the Year and is fourth in the nation with her .509 batting average.