Is A Roth IRA Conversion Right For You?

FINANCIAL FOCUS Is a Roth IRA conversion right for you?

Nathan M. Kirby Edward Jones Financial Advisor

Depending on your situation, it might be appropriate to make some year-end financial moves. But there’s one in particular that may allow you to take advantage of the current investment climate while providing potential benefits far into the future.

This move is called a Roth IRA conversion— the process of converting all or a portion of a traditional IRA to a Roth IRA. Traditional IRAs are often funded with pre-tax dollars, so contributions can lower your taxable income, and earnings can grow tax deferred. A Roth IRA, however, is funded with after-tax dollars, so you get no immediate tax deduction, but earnings and contributions can be withdrawn federally tax free, as long as you meet several requirements, including holding your account for five years and not taking withdrawals until you’re at least 59½ years old. If you’re attracted to the prospect of tax-free withdrawals in retirement, you might consider converting some or all of your traditional IRA dollars to a Roth IRA. Yet, there’s one major issue to address: taxes. Any deductible contributions to your traditional IRA, and the earnings generated by these contributions, will be fully taxable the year of the conversion. If you’ve invested in your traditional IRA for many years, this tax bill could be considerable. But if you were interested in converting some of your traditional IRA funds to a Roth in 2022, you might have one advantage, taxwise— and that’s the state of the financial markets. As you are no doubt aware, it’s been a rough year for stocks, so the value of some of the investments in your traditional IRA may have fallen, perhaps substantially. If you were to convert these assets to a Roth IRA, your tax bill might be quite a bit lower than it would have been last year amid the lengthy bull market. Still, lower taxes aren’t the same as no taxes. Ideally, you probably don’t want to take money out of the IRA itself to pay the taxes, since this might reduce some of the benefits. So, if you don’t have another source from which you can draw, you may find that a conversion might not make as much sense. However, you could lower this tax bill by making smaller conversions over several years. And you might ultimately find this strategy worthwhile, because moving from a traditional IRA to a Roth IRA can offer some advantages. For one thing, since qualifying Roth IRA withdrawals won’t be counted as income, they won’t cause additional taxation of your Social Security benefits or bump up your Medicare premiums. (If you wait until retirement before making the conversion, the conversion itself could have these effects, at least for the years in which it takes place.) Also, with a traditional IRA, you typically must start taking withdrawals once you reach 72, but a Roth IRA doesn’t have this requirement. So, if you don’t need all your Roth IRA funds to support your retirement lifestyle, you can pass the reminder, tax free, to your beneficiaries. Consequently, a Roth

Bozeman Lions CLuB

eye glasses collection box for prescription or non-prescription and dark glasses at The Bozeman senior Center, The Belgrade senior Center, The manhattan senior Center and The Three Rivers senior Citizens Club in Three Forks. For more information, contact Richard Reiley at 406-388-7840 Visit us on the web at http://e-clubhouse.org/sites/bozemanmt

IRA can play an important role in your estate planning. Whatever the benefits of a Roth IRA, it’s essential that you consult with your tax advisor before making a conversion decision. It’s a big move— so you’ll want to be sure it’s right for you. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, Member SIPC

Edward Jones is a licensed insurance producer in all states and Washington, D.C., through Edward D. Jones & Co., L.P., and in California, New Mexico and Massachusetts through Edward Jones Insurance Agency of California, L.L.C.; Edward Jones Insurance Agency of New Mexico, L.L.C.; and Edward Jones Insurance Agency of Massachusetts, L.L.C. California Insurance License OC24309

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Meal Service in Senior Centers:

Belgrade MENU

Belgrade Senior Center will be opening soon. Please go to our website at belgradeseniorcenter.com for updates as they become available. 92 E Cameron Ave, Belgrade, MT • (406) 388-4711 • Call in to order to go meals by 10:00 the day before! . Menu subject to change without notice!

DEC. 1 - Salad, Sheperd’s Pie, Dessert DEC. 2 - Salad, Fish & Chips, Vegetables, Fruit DEC. 5 - Salad, Cheeseburger Mac & Cheese, Vegetables, Fruit DEC. 6 - Salad, Roasted Pork Loin, Potatoes, Vegetables, Dessert DEC. 7 - Salad, Chicken & Sausage Gumbo over Rice, Vegetables, Fruit DEC. 8 - Salad, Tamale Pie, Vegetables, Dessert DEC. 9 - Salad, Hot Turkey Sandwich, Mashed Potatoes, Vegetables, Fruit DEC. 12 - Salad, Baked Ziti Pasta with Sausage, Vegetables, Fruit DEC. 13 - Salad, Swedish Meatballs, Rice, Vegetables, Dessert DEC. 14 - Salad, Meat Loaf, Potatoes, Vegetables, Fruit DEC. 15 - Salad, Tator Tot Casserole, Dessert, Christmas Market, Cookie Decorating etc. DEC. 16 - Salad, Tomato Soup, Cheesy Bread, Vegetables, Fruit DEC. 19 - Christmas Dinner - Cranberry Glazed Ham, Baked Potato Casserole, Maple Ginger Carrots, Dinner Roll, Pecan Pie DEC. 20 - Salad, Lasagna, Vegetables, Dessert DEC. 21 - Birthday Lunch - Salad, Chicken Pot Pie With Vegetables, Fruit, DEC. 22 - Salad, Beef Fajitas, Spanish Rice, Dessert - Dinner Club DEC. 23 - CLOSED FOR CHRISTMAS DEC. 26 - CLOSED FOR CHRISTMAS DEC. 27 - Salad, Chicken Fried Steak, Potatoes, Vegetables, Dessert DEC. 28 - Salad, Clam Chowder, Biscuits, Vegetables, Fruit DEC. 29 - Salad, Hamburger Gravy, Mashed Potatoes, Vegetables, Dessert DEC. 30 - Salad, New Year’s Finger Food Buffet

THE CENTER WILL BE CLOSED JAN. 2, 2023

Meals on Wheels Delivery: Monday – Friday. Call to find out how to qualify for this program. Center meals: Monday-Friday 12:00 -Call before 10:00 to sign up

EXERCISE: FULL BODY WORKOUT: 9:00 A.M. MONDAYS & FRIDAYS 9:30 P.M. TUESDAYS & THURSDAYS LINE DANCING:10:15 A.M. MONDAYS YOGA:9:00 A.M. WEDNESDAYS ZUMBA: 1:00 P.M. WEDNESDAYS SOCIAL ACTIVITIES: PINOCHLE: 12:30 P.M. MONDAYS • 10:00 A.M. WEDNESDAYS

UKULELE CLASS 10:45 A.M. TUESDAYS ART TOGETHER 12:45 P.M. TUESDAYS SING ALONG 12:45 P.M. THURSDAYS NEEDLEAIRES: 9:30 A.M. FRIDAYS

December 1, 2022: 12:45 p.m. Decorating the Center December 14, 2022: 12 p.m. December Birthday Lunch/Blood Pressure Check December 16, 2022: 10:30 a.m. to 2:00 p.m. Christmas Market December 16, 2022: 12:45 p.m.Cookie decorating and Cookie/Candy Exchange December 19, 2022: 12 p.m. Christmas Lunch Call to sign up by December 16, 2022.) December 22, 2022: Dinner Club: A Christmas Feast (Menu and price TBA. Space is limited. Call to sign up.) December 23-26, 2022: Closed for Christmas December 30, 2022: 12 p.m. New Year’s Finger Food Party (Call to sign up by December 28, 2022.) January 2, 2023: Closed for New Year’s Day

Call the center for current information 406-388-4711 Check our website for updated information.

Manhattan Senior Center MENU

102 East Main St., Manhattan, MT • 284-6501

DEC. 1 – Cranberry apple salad, Wild rice & chicken soup , 1/2 grilled cheese sandwich, Thumbprint cookies DEC. 6 – Applesauce, Baked pork chops, Scalloped potatoes, Sugar cookies DEC. 7 – Dill pickle pasta salad, French dip sandwich, Potato chip, Gingerbread men DEC. 8 – Veggies & hummus, Finger steaks, Parmesan potato wedges, Vegetables, Pumpkin cookies DEC. 13 – Chicken enchiladas, Refried beans, Mexican corn, Ginger snaps DEC. 14 – Green salad, Lasagna soup, Roll & butter, Magic bars DEC. 15 – Cucumber salad, Shepherd’s pie (hamburger, mashed potatoes, peas & carrots), Jam cookie

Menu Options are subject to change without notice. * Please call (406) 284-6501 the day before and leave a message for reservations and/or delivery. At the latest please call before 9 am and leave a message for reservations and/or delivery **Meals on Wheels will be delivered between 11:00 AM - 12:00 PM ** We will celebrate December birthdays on the last Thursday of the month. All meals and activities are open to the public. Manhattan Senior Center is open for dining in. Come and join us -- dinner is served at 12 PM.

DEC. 20 – Coleslaw, Fish sticks, Tater tots, Santa brownie DEC. 21 – Fresh fruit, Quiche (ham, eggs, cheese & spinach), Hash brown casserole, Peppermint balls DEC. 22 – CHRISTMAS DINNER - Fruit salad, Ham, Mashed sweet potatoes, Green beans, Roll, Christmas mice

DEC. 25 – SR CENTER CLOSED - MERRY CHRISTMAS!

DEC. 27 – Green salad, Spaghetti & meatballs, Garlic bread, Rice Krispy treats DEC. 28 – Chickpea salad, Broccoli cheese soup, 1/2 Turkey, provolone sandwich, Pudding DEC. 29 – BIRTHDAY DINNER - Orange chicken, Oriental veggies, Fried rice, Jello

Bozeman MENU • • • • Bozeman Senior Center will be closed December 23 and 26 for Christmas. The Board meeting is held on the third Friday of each month at 10:00 a.m. Christmas Store – open Monday through Friday 10:00 a.m.-2:00 p.m. Bozeman Senior Center’s Second Hand Rose is open on Monday - Friday 9:00 a.m. to 3:00 p.m. 807 North Tracy • (406) 586-2421 • www.bozemanseniorcenter.org • The Book Store is open Monday – Friday 9:00 a.m. to 3:00 p.m. Shannon Bondy, shannon@bozemanseniorcenter.org (Executive Director) • These dates and times are subject to change dependent upon volunteer and staff availability. Kristi Wetsch, krisi@bozemanseniorcenter.org (Director Program & Marketing) • Please call 586-2421 to be sure before you come to the center to shop!

This menu is subject to change due to the availability of food. Call us at 586-2421 by 3:00p.m. the day before you want your meal.

The cost of the meal is a suggested donation of $5.00 for people 60 and over and $7.00 for people under 60

(this is not a suggestion donation). December 1 – Three Bean Salad, Lemon Pepper Chicken on Spanish Rice, Green Beans December 2 – Apple Sauce, Beef Lasagna, Peas and Carrots, Dessert December 5 – Three Bean Salad, Cod with Tartar Sauce, Corn, Garlic Bread, Dessert, Dessert December 6 – Sponsored by Bozeman Health – Hillcrest Senior Living: Apple Sauce, Chicken and Dumplings, Broccoli, Dinner Roll. (Prizes) December 7 – Sponsored by Eden Home Health Care: Green Salad, Meatloaf, Mashed Potatoes, Green Beans, Dessert (Prizes) December 8 – Three Bean Salad, Pesto Chicken, Pasta, Steamed Carrots December 9 – Fruit Salad, Tuna Casserole, Corn, Dinner Roll, Dessert December 12 – Gingerbread man decorations, caroling and entertainment from the GeriActors; Fruit Salad, Pulled Pork Sandwich, Lima Beans, Dessert December 13 – Applesauce, Chicken Tenders, Potato Wedges December 14 – Three Bean Salad, Chicken Cordon Bleu, Pasta with Marinara Sauce, Peas and Carrots, Dessert December 15 – Christmas Lunch: Beet and Spinach Salad, Baked Ham, Stuffing, Gravy, Carrots, Dessert December 16 – Ugly Christmas Sweater Day: Apple Sauce, Chicken Fried Steak, Mashed Potatoes and Gravy, Green Beans, Dessert December 19 – Fruit Salad, Beef Pasties, Mashed Potatoes, Mixed Vegetables, Dessert December 20 – Three Bean Salad, Baked Chicken with Creamy Mushroom Alfredo, Mashed Potatoes, Peas and Carrots, December 21 – Fruit Salad, Shrimp Gumbo, Spinach, Dinner Roll, Dessert December 22 – AppleSauce, Stuffed Bell Peppers, Black Beans and Cornbread December 23 – Closed for Christmas December 26 – Closed for Christmas December 27 – Three Bean Salad, Southwestern Cod with Pico de Gallo December 28 – Fruit Salad, Sesame Chicken with Rice and Mixed Vegetables, Dessert December 29 – Applesauce, Baked Salmon with Lemon Dill Sauce, Lima Beans, Dinner Roll December 30- New Year’s Lunch: Green Salad, Ham and Swiss on Croissant, Broccoli, Cheese Soup, Cheese and Olive Skewers

Allergy statement for all Meals-On-Wheels foods: Menu items may contain or come into contact with WHEAT, EGGS, PEANUTS, TREE NUTS, FISH, SHELLFISH, SOYBEANS, and MILK. Meals are now being served at the Bozeman Senior Center. Travel with the Bozeman Senior Center

BOZEMAN SENIOR CENTER TRAVEL DEPARTMENT

807 North Tracy• Bozeman, Mt. 59715 • 1-406-586-2421 e-mail: 14judymorrill@gmail.com

We have opportunities for you to travel within the United States in 2023. These trips are open to Bozeman Senior Center current members. Check the travel kiosk in the lobby of the Bozeman Senior Center to pick up travel brochures.

AMERICA’S CANYONLANDS, MAY 4 - 11, 2023 Fly to Phoenix for a one night stay in Scottsdale. Then travel up to the Grand Canyon for some great sightseeing and a two-night stay. After enjoying the Grand Canyon area, it is on to Monument Valley, then Bryce Canyon National Park and then Zion National Park over the next several days. Your trip ends in Las Vegas where you spend one night before flying back to Bozeman the next day. Trip brochure gives you much more detail including prices. ALASKA: CALL OF THE WILD, AUGUST, 2023 This is a land tour, flying to Anchorage and then traveling by motorcoach for the seven day trip. Highlights of the trip include: deluxe dome railcar trip to Denali National Park. Enjoy a tundra wilderness tour and two nights in Denali. Travel to Seward and the Matanuska Susitna Valley and all its beauty. You will thoroughly enjoy the Glacier and Wildlife Cruise and the majestic Kenai Fjords National Park.

SNOW COACH TRIP INTO YELLOWSTONE PARK Overnight trip: MARCH 1-2, 2023 Cost is $445.00 per person, double occupancy. If you are rooming alone, the cost is $75.00 more This cost covers your motorcoach ride to West and then back to Bozeman again at the end of the trip. It includes your seat on the Snowcoach for the day and your motel stay for one night in West Yellowstone at the Holiday Inn. SMOKY MOUNTAIN CHRISTMAS, EARLY DECEMBER, 2023 We don’t have the brochures as of yet, but they should be in the travel kiosk at the Bozeman Senior Center very soon.

IF YOU ARE INTERESTED IN TRAVELING ON ANY ONE OF THESE TRIPS, OR MORE, PLEASE FILL OUT THE REGISTRATION FORM ON THE BROCHURE AND RETURN IT TO THE SENIOR CENTER FRONT DESK. JUDY WILL THEN GET YOU SIGNED UP FOR A GREAT TRIP FOR 2023. ALL OF THE INTERNATIONAL TRIPS FOR 2023 ARE FULL OR PAST THE SIGN UP DEADLINE.

West Yellowstone Senior Center MENU Three Forks Senior Center MENU

19 East Cedar St., Three Forks, MT • 285-3235 • Director: Jean Farnam • 570-0800

Dec. 2 – Green Salad, Chicken Ala King, Egg Noodles, Brownie Dec. 7 – Green Salad, Meat Loaf, Mashed Potatoes, Green Beans, Cake Dec. 9 – Green Salad, Fish Fry, Coleslaw, Tater Tots, Brownie Dec. 14 – Green Salad, Pot Roast, Pot Roast Vegetables, Cake Dec. 16 – Green Salad, Pulled Pork, Mashed Potatoes, Green Beans, Brownie Dec. 21 – Green Salad, Fried Steak, Potatoes, Vegetables, Cake Dec. 23 – Green Salad, Prime Rib, Potatoes, Vegetables, Brownie Dec. 28 - Green Salad, Pot Pie, Mixed Vegetables, Biscuit, Cake Dec. 30– Green Salad, Spaghetti with Meat Sauce, Vegetables, Garlic Bread, Brownie

December 1 – Green Salad, Broccoli, Cauliflower, Sausage Casserole December 6 – Cranberry Salad, hot Turkey Sandwich, Mashed Potatoes, Green Beans December 7 – Carrots, Pork Roast, Potatoes, Italian Salad December 8 – Broccoli Salad, Chicken Alfredo, Cream Corn December 13 – Coleslaw, Cod, Baked Potato, Mixed Vegetables December 14 – Green Salad, Taco Soup, Chips December 15 – Watergate Salad, Roast Beef, Mashed Potatoes, Glazed Carrots December 20 – Cram Peas, Polish Sausage with Sauerkraut, Baked Potatoes December 21 – Green Salad, Lasagna, Fruit December 22 – Christmas Lunch: Fruit Salad, Ham, Sweet Potatoes, Green Beans December 27 – Pea Salad, Baked Italian Chicken, Parmesan Bread December 28 – Jell-O with Fruit, Potato Soup, Tuna Sandwich December 29 – Green Salad, Stuffed Peppers, Broccoli

Bozeman Senior Center Fitness Classes

FITNESS CLASSES

ALL EXERCISE CLASSES ARE

HELD IN THE FITNESS ROOM WITH THE EXCEPTION OF LINE

DANCING (Dining Room) AND

STRONG PEOPLE –MORNING CLASS (Rec. Room)

STRONG PEOPLE

(Tues, Thurs 1:00 p.m.) Strength building class focuses on increasing bone density and muscle mass. Class follows accepted protocol for people with bone loss. Participants work at their own level increasing weights as they build strength. Each class also includes exercises to strengthen the core and finishes with stretching. All are welcome and weights are provided.

STRENGTH TRAINING WITH VICKI

(Mon, Wed 8:30 a.m.) A great class for men and women looking to increase muscle mass and overall body strength. Body weight, dumbbells, leg weights, and bands are all incorporated into a full body workout. Strength training doesn’t have to be intimidating; drop in for a class and see how much fun you can have getting stronger. Just bring a water bottle.

AEROBICS WITH RINA DONALDSON

(Mon, Wed 9:30 a.m.) This is a full hour’s workout. We do 35 minutes of cardio (which can vary in intensity depending on your own ability). After that we do 10 minutes of targeted weight lifting and 15 minutes of stretching. Come join this dynamic workout!

CORE ON THE FLOOR WITH RINA

(Mon,Wed 10:35 a.m.) Pilates inspired. Gentle mat work and stretching.

YOGA AND BALANCE WITH

MELANIE SIMMERMAN

(Mon, Wed 1:00 p.m.) Yoga is based on classic Hatha Yoga poses and appropriate for all levels. Focus is on physical, mental and spiritual balance as we practice poses that challenge and enhance posture and balance, strength and flexibility. Balance focuses on strength and flexibility to gain and improve good posture and balance.

CARDIO AND WEIGHTS WITH PRISCILLA (Friday, 9:00 a.m.) Rapid-fire exercise using upper and lower body plus core for strength, balance and flexibility. For cardiorespiratory strength and endurance.

BEGINNERS LINE DANCING

(Tuesdays & Thursdays 10:00 to 10:45 a.m.) Beginning line dancing is a fun form of exercise with physical, mental, emotional and social benefits. Learn and practice common line dance steps. Then dance to a variety of music including rock, Latin, country and waltz. Beginners who have no prior dance experience of any kind are encouraged to arrive 15 minutes early on their first day for some preinstruction.

INTERMEDIATE/ADVANCED LINE DANCING

(Tuesdays & Thursdays 10:45 to 11:30 a.m.) More complex and challenging dances will be taught and danced. Experienced dancers are invited to participate in this class.

INTERMEDIATE/ADVANCED LINE DANCING

(Friday at 10:00 a.m. to 11:30 a.m.) More complex and challenging dances will be taught and danced. Experienced dancers are invited to participate in this class.

POTENTIAL KINETICS

(Tuesdays at 8:30 a.m.) Lee’s Kinetic movement class will be back by popular demand. We will explore movement in new and playful ways and provide nourishment to your whole body and mind. This class will improve your balance, coordination and overall experience of moving through life!

Activities at the Bozeman Senior Center

(You must be a member to attend):

Monday: 9:30 a.m. Wood Carvers; 1:00 p.m. Duplicate Bridge; 1:00 p.m. Hand & Foot Canasta

Tuesday: 10:00 a.m. Fly Tying; 1:00 p.m. Bingo; 1:00 p.m. Cribbage

Wednesday: 9:30 a.m. Watercolor; 12:30 Ukulele; 12:45 Rubber Bridge; 1:00 p.m. Mah Jongg and Pinochle

Thursday: 10:00-2:00 Foot Clinic (Must make an appointment. Cost is $20.00), 11:00 Scrabble, 1:00 Bingo, 1:00 Pinochle

Friday: 12:45 Duplicate Bridge, 1:00 Rubber Bridge, 1:00 Find a Friend Circle,

SPECIAL EVENTS: *December 6th – Tuesday - STOP THE BLEED—10:30am

The Bozeman Health Trauma program will be offering a training session on “STOP THE BLEED”. This course is used across the nation to educate communities on how to recognize and control a life-threatening bleed before EMS arrives. Bleeding is a leading cause of death and complications after a traumatic injury, so learning this skill saves lives! . No medical experience is necessary.

*December 12th – Monday- Right after lunch

Decorate Gingerbread Men and take them home, sing Christmas Carols and be entertained by GeriActors.

*December 13th Tuesday – 10:30 a.m. Is a Reverse Mortgage Right for You?

Erica Renslow from Cherry Creek Mortgage – Do you need to pay off debt, cover medical expenses ro help out your kids? If you are at least 62 year old, an FHA insured Home Equity Conversion Mortgage (HECM) may make your life more enjoyable Whether you use your reverse mortgage to pay credit cards and other bills, to travel, for home repairs or to increase your cash flow, you can enjoy a new independence with a loan that is safe and secure.

Reverse Mortgages offer: Access to extra funds – You can pay off a current mortgage or use the funds for: Healthcare and prescription drug costs – Home remodeling or repair – Supplemental income for everyday living expenses – Helping your children or grandchildren – Estate and financial planning – Long term care insurance – Buying a new care or taking a vacation – Peace of mind – or anything else you want to use it for!

December TBD - please see newsletter. Stretch Lab • Must sign up at the front desk at the Bozeman Senior Center

We exclusively provide one-on-one and small group assisted stretching services in an open concept, fun environment. Stretching, especially when done consistently and effectively by a trained professional, can help increase mobility, decrease the risk of injury and improve overall health and wellness.

We are looking to positively impact as many lives as we can with our services! We would love the opportunity to support your wellness journey by providing a demo stretch at the Bozeman Senior Center with our trained stretch professionals - Flexologists. They will take you through a taste of what our assisted stretching sessions are like! We hope you leave your stretch feeling energized and rejuvenated!