Study Shows Less than 60 Percent Enroll in Top Option; Expert Provides 3 Criteria to Consider

Tens of thousands of high school students will be receiving their college acceptance letters in April. It's an anxious time - students, and their parents, want to believe their school holds the promise that attendance will be their "Golden Ticket" to eventual financial success.  So, if they are trying to get from "Point A" (here and now) to "Point B" (financial independence), how do they select the school that will deliver that return on their investment?

"Young people tend to quickly fall in love with a school, and parents tend to quickly wear their son's or daughter's acceptance as a badge of honor, or at least validation as a successful parent,'' says David Porter, social architect, consultant to colleges and universities throughout North America and author of "The Porter Principles," a guide to college success through social engineering, (www.porterkhouwconsulting.com).

"Students and parents should be skeptical and consider all of what a college has offer, and how it will deliver on the implicit promise of financial independence. Which school will nurture and grow the prerequisite face-to-face problem-solving skills required to secure gainful employment and financial independence upon graduation?"

According to the most recent study from the University of California, Los Angeles's Higher Education Research Institute, only 58 percent of the surveyed 204,000 college freshmen enrolled at their first-choice college, the lowest percentage to do so since the question was first asked in 1974.

The major factors behind the decline are cost and financial aid. A 2012 study by the research group Ipsos and the student loan giant, Sallie Mae, indicates that roughly 70 percent of families are ruling out colleges based on cost.

First choice or otherwise, Porter says students and their families should consider a variety of factors in estimating the most value to be had at a campus. Some are more relevant than others:

• A school's ranking: According to one of the world's leading public intellects who regularly weighs in on academic issues, Malcom Gladwell, the national ranking a school receives doesn't necessarily reflect the needs of individual students. Just like an expensive sports car is valued, in part, from an arbitrary, expensive price tag, so too are colleges. The various needs a young adult will have are by no means fully represented by the seven variables used by the U.S. News rankings, run by Robert Morse. The variables include undergraduate academic reputation, financial resources and alumni giving.

• On-Campus culture and community: In addition to academics and the rigors thereof, a college offers (or fails to offer) a unique on-campus college experience.  Will the environment foster success (post-graduate financial independence) or, will it essentially be a few more years of high school under the guise of "college"?  Look for safe, wholesome campus venues, like a student union or a next generation dining learning commons that invites student interaction, collaboration, problem-solving, and dining 24/7.  Social architecture - the conscious design of an environment to encourage social behaviors that lead toward a goal - is a ground-breaking approach that social architecture visionary Porter is successfully introducing to more campuses across North America every day.

• Parent-student understanding: Move out and stay out (because you can). Mom and dad, we want a nice home, a nice car, nice vacations, nice stuff, nice meals, etc. etc. etc.  It costs tens of thousands of dollars per year to attend most colleges. Whether or not a student assumes massive debt to follow her dreams, or a parent shares the burden should be moot if the student can identify, pursue and secure gainful employment upon graduation. Having debt is an enourmous burden at any stage of life if you are unemployed. Choosing a school is a great opportunity for parents to lead by example on how to make a purchase decision for any "big ticket" item.  Do your homework.  Buyer beware. Coach them using some of the same skills you would use to buy a house or purchase a car or invest in a new business.

About David Porter

David Porter, author and social architect, is CEO and president of Porter Khouw Consulting, Inc., a foodservice master planning and design firm based in Crofton, Maryland. David has more than 40 years of hands-on food service operations and consulting experience and is a professional member of the Foodservice Consultants Society International. He is the author of "The Porter Principles, Retain & Recruit Students & Alumni, Save Millions on Dining and Stop Letting Food Service Contractors Eat Your Lunch," (www.porterkhouwconsulting.com). Porter Khouw Consulting has worked with more than 350 clients to conduct market research and develop strategic plans, master plans and designs for the college and university market. Porter is a graduate of the prestigious hospitality program at Michigan State University and has been recognized repeatedly as a leader in his field.

The Hand In Hand  "Special Need Expo" will be provided for families, caregivers and educators on Saturday April 5, 2014 from 9:30 AM to 12:00 PM.  This event will provide "one stop shopping" on a wide range of services for children with intellectual and physical disabilities in the Quad Cities.
Literature and resources people will be available to provide information regarding programs for special needs children from birth to 21 years of age.  Iowa and Illinois activities information will include :  Camps, support groups, financial support and resources to assist parents working with their children's school.  This year also includes unique activities such as adapted water skiing and a special fishing program for individuals with disabilities call "Fishing With No Boundaries"   Adapted baseball, art classes and "sled hockey" and horseback riding programs are also available..  This Hand In Hand event is free to the public.
The Special Needs Expo will take place at Hand In Hand's facility called Tessa's Place.   The location is 3860 Middle Road, Bettendorf IA, Just West of Lindquist Ford.  This Hand In Hand event is sponsored by Tyson Fresh Meats and United Way of the Quad Cities.  For further information contact Mark Smith at 332-8010, mark_handinhand@yahoo.com or visit http://www.handinhandqc.org/

MOLINE, Ill. (March 18, 2014) - The Quad City Mallards have partnered with John Deere to make 2,000 tickets to this Saturday's John Deere Community Night match-up between the Mallards and Missouri Mavericks for just $5.

Saturday's contest is the second of two home games for the Mallards this week.  This home tilt faces off at 7:05 p.m.

Discounted seats for John Deere Community Night are available on a first-come, first-served basis, so fans are encouraged to take advantage of this special offer while supplies last.  Discounted tickets for Saturday night's game can be purchased in person at the iWireless Center box office or through ticketmaster.com.  The box office is open weekdays from 10:00 a.m. to 5:30 p.m., on Saturdays from 10 a.m. to 2:00 p.m. and on game days from 10:00 a.m. until the start of the second period.

Tickets for this week's games and all remaining Mallards regular season home games can also be purchased at Ticketmaster outlets, through ticketmaster.com or through Ticketmaster charge-by-phone toll free at 1-800-745-3000.  The ticket office is open weekdays from 10:00 a.m. to 5:30 p.m., on Saturdays from 10 a.m. to 2:00 p.m. and on game days from 10:00 a.m. until the start of the second period.

On Sunday evening, March 23, Trinity Episcopal Cathedral will present a free Lenten Concert at 7:00 p.m. in the Cathedral, 121 W. 12th Street in Davenport

 

This free concert will present a variety of selections highlighting the musicians of Trinity Cathedral.

 

Appearing on the program will be Michelle Crouch, Soprano; Jo Souder Vandecar, Flute; Julie Knaak, viola; Ron May, organ; and the Cathedral Handbell Choir.

 

During the season of Lent there are often special musical programs from organ recitals to concerts by guest musicians at Trinity Cathedral, Davenport. This year, the Cathedral is featuring musicians from within its talented congregation.

 

The public is invited to attend this free hour-long musical program. The concert will take place in the historic sanctuary of the Cathedral. Parking is available at the south and north ends of the grounds.

*****

NOTE: This message contains information about a cultural event at a church in the Hilltop Campus Village. Since the event does not take place during a church service, it is our feeling it is an event which may be enjoyed by persons regardless of their religious beliefs or lack thereof. The Hilltop Campus Village welcomes hearing of events of cultural, recreational, educational or commercial interest that are taking place within its borders, and is glad to promote them.

Andy Yohe and Kevin McKee helped lead sled hockey team to victory over Russia

Washington, D.C. - Congressman Dave Loebsack today applauded two Quad City area Paralympians for their gold medal win in sled hockey at the Paralympics held in Sochi, Russia. Sled hockey team members Andy Yohe of Bettendorf and Kevin McKee of Davenport helped lead the team throughout the games and win the gold medal in a match against Russia. Both Yohe and McKee began playing sled hockey at the Quad City Sled Hockey Association (TQCSHA).  The TQCSHA, which was founded by Joe and Sue Lambert, gives people living with disabilities in the Quad Cities area a chance to pursue their dreams

"I join with everyone in the Quad Cities in being tremendously proud of Andy and Kevin's achievements. Their gold medal win and selection as members of Team USA are a testament to their outstanding character, hard-work, and determination. This is an impressive accomplishment and truly an inspiration to people of all abilities.

"I also want to thank Joe and Sue Lambert of Davenport, who founded the Quad City Sled Hockey Association and have given so many people living with disabilities a chance to succeed in sport and life."

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Schedule bursting with giveaways, charity events, theme nights, and celebrating the Quad Cities
DAVENPORT, Iowa (March 18, 2014) - The combination of playing in the Best Minor League Ballpark in America, being an affiliate of the Houston Astros, who possess the No. 1-rated minor league farm system, and defending the Midwest League Championship is just the beginning for the Quad Cities River Bandits this season. After earning multiple national promotional awards, the club is amplifying its most popular gameday giveaways, events, themes and entertainment while adding more unique shows to fill its 2014 promotional schedule.
Beginning with the bobblehead giveaways and weekly promotions announced earlier this month, the River Bandits released the rest of their full promotional slate at a press conference Tuesday in the Bandits Business Center powered by Bradfield's at Modern Woodmen Park. Highlighting the schedule are more than two dozen free giveaways, including eight "bobble" items, and a dozen fireworks nights.
"For every day and night that we open the gates of Modern Woodmen Park, our goal is to give our guests of all ages a great experience, great value and lasting memories. To do so, we have an incredible lineup of family-friendly fun this season," said team owner Dave Heller. "With more than two dozen giveaways, a dozen fireworks nights, more charitable events, new theme nights and numerous celebrations of what makes the Quad Cities unique and special, no one will want to miss the excitement that every game will offer this season!"
Below are the highlights of the promotions announced on Tuesday:
Return of the Champions: On Opening Day, Thursday, April 3, the River Bandits will take the field for the first time since winning the 2013 Midwest League Championship, which was the team's second in three years and sixth in Quad Cities franchise history. When the Modern Woodmen Park gates open at 5:30 p.m., the first 1,000 fans will receive a championship pennant courtesy of Mediacom. On Opening Day and Friday, April 4, the first 2,500 fans to each game will also receive free 2014 magnet schedules - and one lucky fan will win a brand new refrigerator, because what good is a magnet schedule if you have no place to put it?
Award-Winning Charity Efforts: The River Bandits were the first U.S. professional sports team to auction photo jerseys for local cancer charities in 2012, and the 2013 Autism Awareness Photo Jersey Auction earned a Golden Bobblehead Award for the Best Charity Promotion in all of Minor League Baseball. The third annual photo jersey auction will take place on Autism Awareness Night presented by KWQC, Friday, Aug. 8. Fans can again purchase small squares in the River Bandits players' jersey numbers to feature a photograph of themselves, a family member or friend, or in honor of a loved one affected by autism. After the game, the jerseys will be auctioned off, with all the proceeds benefitting the Quad Cities Autism Center. A limited number of squares are available for purchase at $25 each, with all of the money raised going to the Quad Cities Autism Center. More information is available by calling (563) 324-3000.
The River Bandits will continue another successful charity event with the second annual Bandits Race to Home 5K and Kids Fun Run presented by Palmer Chiropractic Clinics on Saturday, April 12, at 8 a.m. Registration is required by April 10 at riverbandits.com/5K. All proceeds from the race benefit the Bandit Scholars Program, which will award its two annual college scholarships for a full first year of tuition to two Quad Cities-area students at the River Bandits game Sunday, June 15. In the same week, the charity promotional lineup will expand for three new events. A new pink jersey auction will highlight Breast Cancer Awareness Night presented by Genesis Health Systems and the Quad-City Times on Friday, June 13. Then Pack the Truck Night benefiting the River Bend Food Bank will be Thursday, June 19. Finally, the Quad Cities Area McDonald's will present Ronald McDonald House Charities Awareness Night on Friday, June 20.
Giveaways Galore & Plentiful Prizes: More than two dozen free giveaways are on the promotional schedule for the 2014 season, including eight "bobble" items announced earlier this month. The new giveaways include the Camo Drawstring Backpack Giveaway presented by Western Illinois University (Thursday, May 1), the Sport Bottle Giveaway presented by Total Turf & Landscape (Friday, May 9), the Winter Blanket Giveaway presented by the Clarion Hotel (Saturday, May 10), the Pint Glass Giveaway on Agriculture Night presented by Illinois Farm Bureau (Friday, July 18), and the Team Photo Giveaway presented by Burlington Trailways (Wednesday, July 30). Returning for multiple nights are the Modern Woodmen Hat Giveaways (Thursday, June 19; Thursday, July 17; and Thursday, Aug. 28) and Hy-Vee Tote Bag Giveaways (Sunday, July 6, and Sunday, Aug. 10). The Bandits are also stepping up the big-ticket prize items fans can win at games this season. Led by the fifth annual award-winning Reynolds Ford Used Car Giveaway (Thursday, July 10), the schedule also brings back the McGivern's Mega Jewelry Giveaway (Wednesday, July 9), the Mega Bicycle Giveaway (Sunday, June 8), Cardinals Fantacular Giveaway (Sunday, June 9), and a bigger-than-ever Flat Screen Family Sunday (Aug. 10), as well as the all-new Budweiser Mega Mini Fridge Giveaway (Sunday, June 15).
Celebrating the Community: The people of the Quad Cities region deserve more than just a single night or series for appreciation. So beginning with an absolutely free baseball game for everyone (that's right, no admission price!) on Quad Cities Community Appreciation Night on Tuesday, April 15, the River Bandits are packing the season with recognition and celebration of many unique contributors to the Quad Cities community. There will be two nights to honor service men and women - AUSA Military Appreciation Night (Friday, May 9) and the fourth annual Camo Jersey Auction presented by the Iowa Army National Guard (Friday, May 23). Other tributes and celebrations include College Night presented by Western Illinois University (Thursday, May 1), Faith & Fellowship Night presented by Chick-fil-A and Moody Radio (Sunday, June 22), Agriculture Night presented by the Illinois Farm Bureau (Friday, July 18) and Global Cultural Night presented by Tyson Fresh Meats (Friday, Aug. 15). There will also be Irish Heritage and Go Green Night (Wednesday, May 7), Ladies Night (Thursday, May 29), the Businessman Special with a 1 p.m. Monday game (July 21), and Badges and Ladders Night (Saturday, Aug. 9). It all concludes with a whopping Fan Appreciation Night at the final regular season home game on Friday, Aug. 29.
Cool for the Kids: The River Bandits have big plans for just the kids, too. Those begin with the annual pregame Nintendo Wii-ster Egg Hunt on Saturday, April 19, the night before Easter. That night will also kick off recognition of the 2014 Book Buddies reading program graduates, whom the River Bandits will also host at three 11 a.m. Tuesday home games (April 29, May 6, May 20), as well as Friday, May 9. On back-to-back nights, Gander Mountain will present Boy Scout Night (Friday, June 20) and Girl Scout Night (Saturday, June 21). There is also Little League Day (Sunday, June 8) and Camp Day (Monday, July 21), as well as the award-winning annual Mega Candy Drop following the game on Sunday, July 20. The best way for the kids to "have it all" at the ballpark is with the River Bandits Kids Club. For a $30 package, members get free admission to every regular season home game, a membership card and T-shirt, a 10 percent discount on team store merchandise, and much more, including the chance to participate in Sunday postgame Kids Club events, which are planned for April 6, June 8, and Aug. 17.
Happy Holidays: Modern Woodmen Park is the place to host not only baseball, but so many holidays for families in the Quad Cities as well. This season the River Bandits will put their style on celebrations of Cinco de Mayo presented by the Quad-City Times (Monday, May 5), a car show for the 50th anniversary of the Ford Mustang (Monday, May 19), Mother's Day (Saturday, May 10), Father's Day with catch in the outfield (Sunday, June 15), mascot Rascal the River Bandit's Birthday Bash (Wednesday, July 9), and Halloween (Sunday, July 6) and Christmas in July (Saturday, July 19). And while the team is on the road Thursday, July 3, Modern Woodmen Park will still be open with free admission to give the Quad Cities community the best view of the annual Red, White & Boom Fireworks. Plus, after their game Friday, July 4, the River Bandits will have Fourth of July Fireworks presented by Smart Toyota of the Quad Cities, WLLR and WQAD.
Entertainment & Special Themes: The River Bandits put on a new show for every game, and this season will include the most popular annual theme nights and add a few fresh ones. The annual Pro Wrestling Night (Thursday, July 31) will feature an appearance by WWE Hall of Famer "The Million Dollar Man" Ted DiBiase. The famous Russian Bar Trio presented by the Dispatch-Argus will perform on Saturday, June 14, when fans will also see the annual Vintage Baseball game before the River Bandits home contest. The River Bandits will again have Guaranteed Win Night (Wednesday, April 16), when fans in attendance will see a River Bandits victory or receive a ticket to the next Wednesday home game on April 30. Ticket prices will correspond to gas prices for the second annual Petrolpalooza Night presented by BP (Friday, May 30). Other themes to set the ambience include Hunger Games Night presented by Epix (Monday, June 9), Legends of Rock (Wednesday, April 16), Superhero (Wednesday, April 30), Survivor (Wednesday, May 21), Date Night Out (Thursday, May 22), Game Show (Wednesday, May 28), Disco Night with '70s pricing on food and beer (Tuesday, July 8), Jimmy Buffett Night (Wednesday, July 9), Star Wars (Wednesday, July 30), Ninja Turtles (Wednesday, Aug. 6) and Pirates & Princesses (Sunday, Aug. 17).
"We are delighted to bring back so many of our most popular promotions - bobbleheads, jersey auctions, great giveaways, daily deals, themes and celebrations - and build upon them with new experiences and opportunities to have fun at the ballpark this season," said River Bandits General Manager Andrew Chesser. "We cannot wait to welcome fans in the Quad Cities back to the Best Minor League Ballpark and give them an amazing show and outstanding hospitality that will create special memories at every game this season."
The complete 2014 promotional schedule is available at www.riverbandits.com. Ticket packages are available by calling (563) 324-3000.
UP NEXT: Opening Day is April 3, so lock in your seats now to see the defending Midwest League Champions in 2014! To order any of the ticket plans - with new lower prices - call the River Bandits box office at 563-324-3000 or visit www.riverbandits.com to download the season ticket order form. Season ticket and mini-plan packages start at just seven games and begin at less than $40. Call a River Bandits account representative today to choose your seats and get the details of our various mini-plan packages.
ABOUT THE BANDITS: Having just been named Ballpark Digest's winner of Best Ballpark Improvement in America under $1 million, the River Bandits ownership is making one of the biggest improvements to Modern Woodmen Park since the ballpark was first built back in 1931! A new Ferris wheel, standing 110 feet over the playing field, is opening this spring, along with a carousel, a new ride called a "Drop and Twist," an expanded 300-foot long zip line, and many other new games and attractions. In 2013, the team unveiled a new 220-foot long dual zip line, a rock climbing wall, and a number of new bounce houses. The team's major league affiliate, the Houston Astros, just saw all six of its affiliates reach the playoffs - the first time in a decade any MLB team can claim such success. The River Bandits were one of three affiliates to reach the championship round and one of two to win their league championship.

Featuring Carolyn Suda, cellist and Ian Moschenross, piano

Nova Singers, under the direction of Dr. Laura Lane, presents two performances of American Genius, featuring cellist Carolyn Suda and pianist Ian Moschenross, on Friday, April 4 at 7:30pm at First Congregational Church in Moline and in Kresge Recital Hall at Knox College in Galesburg on Sunday, April 6 at 4:00pm

This program will introduce a completely different side of Nova Singers! We will join forces with Carolyn Suda and Ian Moschenross to explore the sound of choir, cello, and piano. These performances will include Jonathan Dove's The Passing of the Year and Eric Whitacre's profoundly personal and emotional Five Hebrew Love Songs.

Carolyn Suda is a member of the music faculty at Monmouth College and serves as adjunct faculty at Knox College.  Principal cellist of the Knox-Galesburg Symphony since 1985, Ms. Suda appears frequently in faculty recitals at both colleges, including performances with the KGS Trio at the University of Barcelona and the Reus Music Conservatory in Spain.  Ms. Suda has devoted much of her professional life to teaching cellists.  As a member of the American String Teachers Association and the Suzuki Association of the Americas, Ms. Suda has served as clinician at numerous cello workshops in the United States, Australia, and New Zealand.  She directs both the Monmouth College Chamber Orchestra and the Knox College String Ensemble.

Ian Moschenross, a versatile pianist, is an active recitalist, chamber musician and accompanist in Western Illinois.  In addition to performing, he teaches applied piano, music history, theory, appreciation and interdisciplinary courses at Monmouth College, where he has served on the faculty since 2004 and holds the rank of Associate Professor of Music.  He chaired the music department from 2005-2011.  A member of the Illinois Music Teachers Association, Moschenross is a past executive board member and past treasurer.  He has held the post of Principal Keyboard of the Knox-Galesburg Symphony since 2004 and is a frequent adjudicator in the area.  Ian Moschenross earned degrees from Hanover College and the University of Nebraska-Lincoln, where he studied with C. Kimm Hollis and Mark Clinton, respectively.

Nova Singers, a professional vocal ensemble under the direction of Dr. Laura Lane, hopes to share our musical soul with you.  Nova Singers is known for bringing a wide variety of choral music to its audiences, and for the beauty and charm the singers impart to their music.

 

Tickets will be available at the door. Admission is $18 for adults and $15 for seniors. Students are admitted free of charge. For information about tickets, recordings, or other Nova Singers events, call 309-341-7038,  e-mail nova@knox.edu or like our Facebook page.

 

American Genius is sponsored by G & M Distributors.  Nova Singers' 2013-2014 season is partially funded by a grant from the Illinois Arts Council.

Rock Island, IL - The month of March is Developmental Disabilities Awareness Month. To celebrate this month, The Arc of the Quad Cities Area will be joining other chapters of The Arc, individuals with intellectual and developmental disabilities, their families and friends in getting out in public to raise awareness on March 29. The goal of this one-day event during Developmental Disabilities Month is to let the community see that individuals with intellectual and developmental disabilities (I/DD) are really no different than everyone else. People with disabilities enjoy evenings out with their friends and families, trips to the movies, fun on the playground, and interaction in their community, and this day aims to open the eyes of people in the Quad Cities Area. Throughout the day on March 29, individuals with I/DD, will be out engaging the public, sparking conversations and just enjoying the day, while raising public awareness about the issues facing individuals with disabilities to break down social barriers.

The mission of The Arc of is to increase positive awareness of developmental and intellectual disabilities, and this event will not only do that but help educate the public. Many individuals with I/DD live and work in the community and they are valued members of the Quad Cities community.

Over the last 60 years, The Arc and its network of 700 chapters across the country have made tremendous progress in promoting and protecting the rights of people with I/DD. It is due greatly to the advocacy efforts of The Arc that President Ronald Reagan officially declared March to be Developmental Disabilities Awareness Month in 1987.

The Arc advocates for and serves people with I/DD, including Down syndrome, autism, Fetal Alcohol Spectrum Disorders, cerebral palsy and other diagnoses. The Arc has a network of 700 chapters across the country promoting and protecting the
human rights of people with I/DD and actively supporting their full inclusion and participation in the community throughout their lifetimes and without regard to diagnosis.

Editor's Note: The Arc is not an acronym; always refer to us as The Arc, not The ARC and never ARC. The Arc should be considered as a title or a phrase. Thank you.
Des Moines, March 18, 2014 - On Wednesday, April 9, the Iowa Supreme Court will hear oral arguments in Toledo, Iowa. The proceeding will take place in the Wieting Theatre, 101 South Church Street. The session is open to the public and will begin at 7 p.m.
Simple Strategy Changes May Boost Your
Retirement Dollars, Says Financial Advisor

Many people talk to their accountant just once a year - right about now, says financial consultant Larry D. Roby.

"This is a good time to ask a few questions that may not have occurred to either you or your accountant simply because at tax time, you're both focused on the task at hand and not the bigger picture, " says Roby, founder and president of Senior Financial Advisors, Inc., www.sfabridge.com.

"But, if you don't have a financial advisor, asking your accountant a few questions may help you spot places where you're unnecessarily leaking retirement funds. Many of those leaks can be plugged with some simple changes."

Roby tells the story of a woman he worked with at the financial counseling ministry where he volunteers. She was a widow on Social Security who also received an annual disbursement of $35,000 from her retirement plan. She didn't need the whole $35,000, so she put a large chunk of it in CDs each year.

"She was getting hit with what I call 'the tax torpedo,' " Roby says. "That $35,000 from her fund caused the portion of her Social Security income being taxed to jump from zero to 85 percent. And she's also getting taxed on the whole $35,000! Putting the extra money into CDs earning only about 1 percent interest, meant she was actually losing money."

The fix, he says, was easy.

The woman could pay no taxes on her Social Security benefits if  the combined total of 1 - her adjusted gross income, 2 - nontaxable interest income and 3 - half the benefits, was less than $25,000. If the amount was $25,000 to $34,000, she would likely be taxed on 50 percent of her benefits.

"By lowering her retirement fund disbursement to the amount she actually needs, she saw a substantial tax savings," Roby says.

Such oversights are surprisingly common and can be corrected when you have the right information.  If you're planning for retirement or already retired, here are the questions Roby suggests you ask your accountant:

1.  Do I have to pay taxes on my Social Security benefits?

2.  Is there a way to reduce or eliminate those taxes?

3.  Why am I paying taxes on money I'm not spending?

4.  How long will my retirement funds last based on my current withdrawals?

5.  Based on my tax records, will my spouse have sufficient income after my death?

If your retirement picture is far more complicated, with a variety of taxable and non-taxable income streams, Roby says seeking the services of a financial advisor with a diversified perspective may be a worthwhile investment.

"I always recommend people to talk to an advisor who doesn't specialize in just one area, like annuities," Roby says. "If you're a hammer, everything looks like a nail. Someone equipped with lots of tools can put help you put together the best strategies for you."

About Larry D. Roby

Larry D. Roby is the founder and president of Senior Financial Advisors, Inc. (www.sfabridge.com). He's a Registered Financial Consultant, a professional designation awarded by the International Association of Registered Financial Consultants; a licensed insurance agent; a Master Certified Estate Planner; and licensed to serve as an investment advisor representative. He's currently finishing a two-year Certified Advisor for Senior Living course. Roby is a firm believe in educating clients and the public alike so that they can make the most of the money they've earned, saved and invested. He and his firm volunteer time and resources to the Branches Recovery Center, a counseling ministry.

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