TOP 10 WAYS TO PREPARE FOR RETIREMENT
Saving Matters! Remember
Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.
FACTS
✔ Only about half of Americans have calculated how much they need to save for retirement.
✔ The average American spends roughly 20 years in retirement.
Putting money away for retirement is a habit we can all live with.
1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!
If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.
Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.
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2. KNOW YOUR RETIREMENT NEEDS!
Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.
3. CONTRIBUTE TO YOUR EMPLOYER’S RETIREMENT SAVINGS PLAN!
If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a
big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.
4. LEARN ABOUT YOUR EMPLOYER’S PENSION PLAN!
If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.
5. CONSIDER BASIC INVESTMENT PRINCIPLES!
How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.
6. DON’T TOUCH YOUR RETIREMENT SAVINGS!
If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
7. ASK YOUR EMPLOYER TO START A PLAN!
If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.
8. PUT MONEY INTO AN INDIVIDUAL RETIREMENT ACCOUNT!
You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on
inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.
9. FIND OUT ABOUT YOUR SOCIAL SECURITY BENEFITS!
On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.
10. ASK QUESTIONS!
While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.
Courtesy of US Dept. of Labor
2025 PGA TOURNAMENT SCHEDULE
APR 3 - 6
APR 10 - 13
APR 17 - 20
APR 17 - 20
Valero Texas Open TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
APR 24 - 27
MAY 1 - 4
MAY 8 - 11
MAY 8 - 11
MAY 15 - 18
MAY 22 - 25
MAY 29 - JUN 1
* Schedule subject to change
Augusta National Golf Club • Augusta, GA • USA
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA
Corales Puntacana Championship
Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA
Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA
PENDRITH $1,710,000
PGA Championship Quail Hollow Club • Charlotte, NC • USA XANDER SCHAUFFELE $3,330,000
Charles Schwab Challenge
Colonial Country Club • Fort Worth, TX • USA DAVIS RILEY $1,638,000
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
+ Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
SCHEFFLER $4,000,000
2025 PGA TOURNAMENT
JUN 5 - 8
JUN 12 - 15
JUN 19 - 22
JUN 26 - 29
JUL 3 - 6
JUL 10 - 13
JUL 10 - 13
JUL 17 - 20
JUL 17 - 20
JUL 24 - 27
JUL 31 - AUG 3
AUG 7 - 10
Deere Run • Silvis, IL • USA
2025 LPGA TOURNAMENT SCHEDULE
2025 LPGA TOURNAMENT
LOCAL EVENTS GUIDE
TWIN CITIES
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
APRIL
APRIL 2 - 13 | FILM FEST
As the largest annual celebration of international cinema in the region, MSPIFF43 promises another exciting lineup of 200+ films from around the world, plus an exciting array of parties, panels, visiting filmmakers, and special guests.For more info visit: mspfilm.org
APRIL 11 - 19 | AUTO SHOW
Who’s ready for new attractions, epic rides, and all the latest in automotive innovation? Gotta go to the Auto Show! For more info visit: twincitiesautoshow.com
MAY
MAY 16 - 18 | ART-A-WHIRL
Over 1,400 NEMAA member artists, galleries, and businesses participate across all of Northeast Minneapolis at over 100 locations. Art-A-Whirl is a fantastic way to connect with artists in their own spaces, enjoy demonstrations and interactive activities, listen to live
music, and enjoy local restaurants and breweries. Art-A-Whirl is free and open to the public. For more info visit: nemaa.org
MAY 31 | HIPPO CAMPUS
On Stage at Surly Brewing brings musical acts like Tame Impala and Phoebe Bridgers to the brewery for an unbeatable night of music, craft beer, local food and more. For more info visit: https://tinyurl.com/5jtbeyxx
JUNE
JUNE 20 - 21 | JAZZ FESTIVAL
The Twin Cities Jazz Festival, established in 1999, is a non-profit organization, with a mission to keep the art form of jazz alive and well in our community. Bring a lawn chair, grab a bite and beverage on-site or from a nearby dining establishment, then sit back and enjoy the syncopated rhythms of this year’s featured entertainers. Of course, dancing is most welcome, too! For more info visit: twincitiesjazzfestival.com
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LOCAL EVENTS GUIDE
TWIN CITIES
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
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JUNE 28 | SOUL FOOD FESTIVAL
Join us for the Soul Food Festival at the Farmers Market Annex in Downtown Minneapolis! Celebrate community, culture, and the rich flavors of soul food at this can’tmiss event. Come hungry and bring your family and friends for a day full of good vibes and unforgettable tastes from around the World! For more info visit: https://tinyurl.com/4zukxtfj
JULY
JULY 4 | INDEPENDENCE DAY
The Fourth of July — a time for swimming in the lake, rock skipping, shopping, agate hunting, donuts, long hikes, canoe trips, fudge, fireworks, and time with your family. It’s the true kick-off for summer here in the north woods and we’d love to have you join us! For more info visit: http://tinyurl.com/5bah4kyv
JULY 5 - 6 | TASTE OF MINNESOTA
Get ready for an unforgettable weekend as Taste of Minnesota! This year, the iconic outdoor food and music festival creates the ultimate summer celebration. Experience the best of Minnesota with an explosion of flavors, live music, and vibrant entertainment that will keep you dancing, tasting, and exploring all weekend long. Taste is your passport to discovering what’s delicious, exciting, and uniquely Minnesotan. For more info visit: tasteofmn.com
JULY 23 - 26 | AQUATENNIAL
The Minneapolis Aquatennial is the official civic celebration of the City of Minneapolis. Minnesota residents, workers and visitors have come to love and appreciate all that Minneapolis has to offer during the Aquatennial. For more info visit: aquatennial.com
LOCAL EVENTS GUIDE TWIN CITIES
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
AUGUST
AUG 1 - 10 | FRINGE FESTIVAL
The Minnesota Fringe remains steadfastly committed to it’s core principles: producing opportunities for artists of a wide variety of backgrounds, abilities and experience levels; creating novel ways of engaging with the performing arts; and a continuing commitment to accessibility for artists and audiences. For more info visit: minnesotafringe.org
AUG 9 - 10 | STREET ART
The festival takes place annually the second weekend in August and features chalk and spray art, murals, performance, craft, food and fun! We hope to see you, your friends and family for this inclusive and joyful experience in the heart of downtown Minneapolis! For more info visit: mplsstreetartfest.com
AUG 16 | PORCHFEST
SEPTEMBER
SEPT 1 | STATE FAIR
Always 12 days of fun ending Labor Day, the Great Minnesota Get-Together welcomes 1.9 million guests annually to a world-class showcase of livestock, agriculture, horse, art, talent and creative activities competitions; 500 food items; 900 free entertainment shows; the Mighty Midway and Kidway; Grandstand concert series; 1,000 vendors; a fireworks show each evening; and more! For more info visit: mnstatefair.org
SEPT 1 - 28 | RENAISSANCE FEST
Porchfest provides an opportunity to explore Uptown in an intimate and novel way. Attendees can discover new musicians, support local businesses, and celebrate the diverse, eclectic history of this neighborhood. For more info visit: uptownporchfest.com
King Henry and his royal court invite one and all to his 16th Century European village featuring 16 stages of exciting entertainment. Over 250 artisans fill the Festival
LOCAL EVENTS GUIDE TWIN CITIES
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
marketplace to display and sell their handcrafted wares for a truly unique shopping experience. Patrons can interact with hundreds of memorable characters roaming the village streets as well as view live armored jousting throughout the day. For more info visit: renaissancefest.com
OCTOBER
OCT 1 - 27 | HARVEST FESTIVAL
Come celebrate fall with Twin Cities Harvest Festival and the St. Paul Saints baseball organization! Wander through the Twin Cities largest corn maze featuring the St. Paul Saints. See if you can find all 15 team trivia questions hidden throughout the maze! Enjoy our 1st annual car show, jump in the corn pit; stroll through the straw bale maze; and enjoy live music, a petting zoo, a hayride, inflatables, a giant slide, and more! For more info visit: twincitiesmaze.com
OCT 3 - 5 |
MARATHON
Make the most out of your weekend in the Twin Cities for the Medtronic Twin Cities Marathon Weekend! From exploring the Health & Fitness Expo, getting the whole family moving with Saturday events, and celebrating our signature Sunday events, we’ve got you covered with our Marathon Weekend Itinerary. For more info visit: https://tinyurl.com/245xdy6e
NOVEMBER
NOV 1 - 2 | FILM
FESTIVAL
The Twin Cities Jewish Film Festival (TCJFF) is an annual celebration of Jewish stories and perspectives through the art of film. Featuring a dynamic lineup of documentaries, narratives, and shorts from around the globe, TCJFF showcases the diversity, resilience, and creativity of Jewish life and culture. From historical dramas to contemporary comedies, the festival offers something for everyone. Each selection is carefully curated to inspire dia-
LOCAL EVENTS GUIDE
TWIN CITIES
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
logue, deepen understanding, and celebrate the rich tapestry of Jewish experiences. For more info visit: https://tinyurl.com/msz7u2rh
DECEMBER
DEC 1 - 31 |
HOLIDAY FESTIVAL
This year, get up close and personal with the expanded GLOW Holiday exhibits at St. Paul’s CHS Field. GLOW features over a million lights, sElfie Plaza, Enchanted Forest, Bright Bikes, Tremendous Tree, the GLOW Spectacular, and so much more! For more info visit: glowholiday.com
JANUARY
JAN 29 - 30 |
GREAT NORTHERN
The Great Northern celebrates our cold, creative winters through ten days of diverse programming that invigorate mind and body. In an era of changing climate that threatens our signature season, we seek to create community, inspire action, and share the resilient spirit of the North with the
world. For more info visit: thegreatnorthernfestival.com
FEBRUARY
FEB
25 - 27 | HOME &
GARDEN SHOW
The Minneapolis Home & Garden Show is a vibrant marketplace where you can shop for home-related products and services, experience stunning displays to help inspire your next home project, connect with industry experts, and enjoy informative presentations from renowned local and international home professionals. For more info visit: homeandgardenshow.com
2026 GRAND SLAM TOURNAMENT SCHEDULE
2025 GRAND SLAM TOURNAMENT
SCHEDULE
* Schedule subject to change
MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’
JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single
JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single
JUN 07 - SAT 3:00 PM Final Women’s Single
JUN 08 - SUN 3:00 PM Final Gentlemen’s Single
DATE
2025 GRAND SLAM TOURNAMENT SCHEDULE
* Schedule subject to change
JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round
JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round
JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round
JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round
JULY 8 - TUE 11:00 AM
JULY 9- WED 11:00 AM
JULY 10 - THU 1:00 PM
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals & Mixed Doubles Final
JULY 11 - FRI 1:00 PM Men's Singles Semifinals
JULY 12 - SAT 2:00 PM
JULY 13 - SUN 2:00 PM
Ladies' Singles Final & Men's Doubles Final
Men's Singles Final & Ladies’ Doubles Final
2025 GRAND SLAM TOURNAMENT SCHEDULE
TRAVELING TO ICELAND.
Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was
under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.
The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.
The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.
Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.
Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are
really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.
Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.
The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.
The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.
Caving is a popular and extraordinary experience. Because Iceland is one of the most active
and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are
rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.
- a place like no other!
