As a record number of Americans prepare to enter retirement in the coming years, many are seeking the ideal location to enjoy their golden years. According to the latest annual report from Niche.com, Scottsdale, Arizona, has emerged as the top city for retirement, praised for its exceptional weather, high quality of life, and vibrant active lifestyle.
In March, Niche.com unveiled its 11th annual Best Places to Live in America list. This comprehensive evaluation included data from the U.S. Census, the Bureau of Labor Statistics, and the CDC, thoughtfully combined with millions of resident reviews. The resulting analysis considered about 230 cities and over 18,000 communities across the nation, assessing factors such as affordability, the housing market, neighborhood diversity, public schools, and walkability.
So, what makes Scottsdale stand out as the ultimate retirement destination? As Zach Chatham, the public relations manager at Niche.com, shares, “Boasting some of the best weather in the United States, Scottsdale is the perfect oasis for retirement.” With an abundance of outdoor activities and numerous health and fitness options readily available, it’s no surprise that this Arizona city is ideal for those wishing to maintain an active lifestyle focused on longevity.
Scottsdale received an A rating overall, indicating its appeal as a place to live. The area is characterized by a dense suburban feel, with a high ownership rate among residents, which enhances the community atmosphere. The median rent is just above $1,900 monthly, while the median home price hovers around $710,000, reflecting the area’s desirability. Additionally, it earned a B+ rating for ethnic and economic diversity, showcasing the welcoming and varied community.
One resident encapsulated the allure of Scottsdale by stating, “Scottsdale, Arizona, is a really cool place with a mix of modern city life and Old West charm.” From breathtaking desert landscapes to culturally rich experiences like hiking Camelback Mountain or indulging in the nightlife in Old Town, there is no shortage of activities to enjoy. Although summers can be quite warm, the winters are pleasantly mild—an attractive factor for those looking to escape harsher climates. Those interested in golf, luxury resorts, or simply a lively atmosphere will find Scottsdale to be a perfect match.
Scottsdale is joined at the top of the list by other notable locations, including Clearwater, Florida; Metairie, Louisiana; St. Petersburg, Florida; and Cape Coral, Florida, rounding out the top five best places to retire.
Moreover, Scottsdale’s reputation as a premier retirement destination is further solidified by WalletHub’s previous rankings, recognizing the city for its high quality of life and abundant recreational activities. With over a quarter of Scottsdale’s residents aged 65 and over, it is clear that this city attracts retirees looking to make the most of their leisure years.
In summary, for those considering relocation during retirement, Scottsdale, Arizona, stands out as a vibrant oasis filled with opportunities for growth, relaxation, and adventure. Whether you’re drawn by the stunning scenery, diverse community, or active lifestyle options, Scottsdale promises an enriching backdrop for living life to the fullest in retirement.
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(Family Features) Most people don’t want to think about death – let alone talk about it. When the time comes, families often find themselves overwhelmed, not only by grief but by the many decisions that need to be made quickly.
Funeral directors witness this every day. They see the stress and confusion that can come when there is no plan in place and the peace of mind that comes with thoughtful preparation.
After consulting funeral directors nationwide, the National Funeral Directors Association (NFDA) uncovered five things they wish families knew before a death occurs.
It’s Never Too Early to Start Planning
While everyone knows death and taxes are inevitable, conversations about death are often avoided.
Simply documenting your wishes and discussing your preferences with your family can alleviate the difficult decisions your loved ones will have to make in the future. Speak with a funeral director to explore the many options for planning a meaningful funeral.
Legal and Financial Details Can Cause Unexpected Issues
Families often don’t realize power of attorney ends at death, meaning a designated person can no longer make decisions or access bank accounts once an individual dies.
To avoid complications, consider adding a trusted loved one to your bank account and ensure life insurance beneficiaries are up to date. Too often, deceased individuals leave minor children, deceased spouses or former partners as beneficiaries, leading to legal and financial challenges.
Final Wishes Shouldn’t Be In Your Will
Many people believe the best place to document their final wishes is in their will. However, wills are often not read until after funeral services take place, making them an unreliable way to communicate last requests. Instead, discuss and document your wishes with family members or a trusted funeral professional who can keep your wishes on file until there is a need.
There Are a Variety of Memorialization Options
End-of-life planning offers more choices than many realize. While burial remains a common preference, cremation is an increasingly popular choice and can even include a viewing and funeral service. Additionally, eco-friendly options, such as alkaline hydrolysis, natural burial and natural organic reduction are becoming more widely available for those seeking green memorialization. In fact, according to NFDA’s 2024 Consumer Awareness and Preferences Study, 68% of respondents expressed interest in green funeral options.
Exploring these possibilities with a funeral professional can help ensure your final arrangements reflect your values, traditions and personal wishes.
Funeral Directors Don’t Just Manage Funerals – They’re Trusted Guides In Honoring Life
Funeral directors play a vital role in helping families create meaningful services that reflect their loved one’s life, values and traditions. Whether planning ahead or facing a recent loss, funeral professionals provide expertise, compassionate care and personalized guidance during one of life’s most difficult moments.
Choosing the right funeral director is an important decision and finding someone who understands your needs can make all the difference in honoring your loved one in a personal and meaningful way.
Start the conversation today by talking about end-of-life planning. It isn’t easy, but it’s one of the most important conversations you can have with your loved ones. A little planning today can make a world of difference tomorrow.
Use comprehensive resources like RememberingALife.com, which is designed to guide families through every stage of the journey, including planning, funeral options and grief resources. The site offers valuable tools and support, such as the “Find a Funeral Home” tool to connect families with compassionate, local funeral directors and much more.
Photo courtesy of Shutterstock
SOURCE:National Funeral Directors Association
Simply put, a 401(k) is an employer-sponsored retirement savings plan in which employees contribute a portion of their compensation on a tax-deferred basis.
The employee is eligible at any age to contribute to a 401(k) plan and has the option to pay into these plans throughout their employment. Many employers match some or all of an employee’s contributions, making the plan even more attractive.
What about withdrawals?
Under Internal Revenue Service rules, someone with a 401(k) is required to start making monetary withdrawals from their plan when they reach age 73. Some people start withdrawing at an earlier age.
Someone with a 401(k) can withdraw funds from the plan early, and at any time. But the money amounts withdrawn will typically be deemed taxable income. In addition, those age 59 and a half and under will likely face a 10% penalty on the withdrawal, unless the employer’s plan allows for hardship distributions, early withdrawals or loans from your plan account.
The IRS has specific rules for these early withdrawals; if you find yourself in this situation, you should get help from a tax professional.
All withdrawals starting at age 73, which tax professionals call “RMDs,” are then taxable in retirement – presumably at a lower tax rate than the employee was subject to while employed and working. So these withdrawals starting at age 73 can be a very tax-efficient way of financial planning, including personal income tax planning, for later in life, especially in one’s retirement years.
Again, it’s important to get help from a tax professional to make sure you meet the IRS’ RMD dollar withdrawal requirements once you start withdrawing.
In calendar-year 2025, the most that an employee can contribute to a tax-deferred 401(k) plan annually is US$23,500, including the employer’s match. “Super catch-up contributions are allowed for employees over the age of 50 to their employer’s 401(k) plan each year indexed to inflation. In 2025, super catch-up contributions allow individuals age 50 and older to contribute an additional $7,500 beyond the standard limit, bringing their total annual contribution to $31,000. For those turning age 60, 61, 62 or 63 in 2025, the SECURE Act 2.0 allows a higher catch-up contribution limit of $11,250, resulting in a total allowable contribution of $34,750 in 2025.
When and why did 401(k)s become popular?
Before 1978, retirement savings options were limited.
In 1935, Congress created the Social Security Retirement Plan. This was followed by the Employee Retirement Income Security Act of 1974, which created individual retirement accounts, or IRAs, as a way for employees to save tax-deferred money for their retirement.
401(k) plans became popular with the passage of the Revenue Act of 1978 by Congress.
Congress saw 401(k) plans at that time as an alternative way to supplement Social Security benefits that all eligible Americans are entitled to receive upon retirement. In 1981, the IRS issued new rules and regulations allowing employees to fund their 401(k)s through payroll deductions. This significantly increased the number of employees contributing to their employers’ 401(k) plans.
As of September 2024, Americans held $8.9 trillion in 401(k) plans, according to the Investment Company Institute. A study published by the Pension Rights Center toward the end of 2023 using data provided by the Bureau of Labor Statistics concluded that 56% of all workers – including private sector and state and local government workers – participate in a workplace retirement plan. That equates to 145 million full- and part-time workers.
How are 401(k) plans affected by market rises and falls?
Contributions to a 401(k) are typically invested in a variety of financial instruments, including in the stock market.
Most 401(k) plans offer investment options with varying levels of risk, allowing employees to choose based on their personal comfort levels and financial goals.
Employers typically outsource the management of these 401(k) plans to third parties. Some of the largest companies managing 401(k) funds on behalf of employers and employees include Fidelity Investments, T. Rowe Price and Charles Schwab, to name just a few.
Because many of these investments are tied to the stock market, 401(k) balances can rise or fall with market fluctuations.
401(k) plans are a financial lifeline for many American retirees.Halfpoint Images/Getty Images
Should I be worried about the stock market tanking my 401(k)?
It depends on when you started making contributions, when you plan to retire and when you expect to start making withdrawals.
Employees with 401(k) accounts should only be worried about falling stocks if they need the money right now – either for retirement living expenses or for other emergency reasons. If you don’t need to take money out soon, there’s usually no reason to panic. History has shown that markets can rebound quickly; short-term drops often don’t signal long-term trends.
Over time, the stock market has experienced many periods of falling stock prices: the bursting of the internet bubble of 2000; the period after the events of 9/11; and the U.S. and global banking crisis of 2007-2010, to name but three.
But overall, over time, stock market returns have averaged 9% from 1994 to 2024, and this includes the periods of falling stock prices mentioned above.
So even if you are a baby boomer heading for retirement and your 401(k) has taken a hit in recent weeks, don’t panic. Bear in mind the truism that stock markets can always go down as well as up.
History suggests that in the long run, depending upon your plans and timing for retirement, working together with a trusted financial adviser strategically with regard to your 401(k) retirement savings is a good approach, especially during periods like we have seen in recent weeks in the stock market.
This article is for informational purposes and does not constitute financial advice. Consult with a qualified financial adviser before making financial decisions.Dr. Ronald Premuroso, Accounting Instructor, Western Governors University School of Business
This article is republished from The Conversation under a Creative Commons license. Read the original article.
Celebrating National Nutrition Month: A Heartfelt Tribute to Nourishing Seniors
On March 19, 2025, Tanner Terrace residents celebrated National Nutrition Month with a community event led by Diana Gregory Outreach Services, focusing on healthy eating and nutrition education for seniors.
Diana Gregory (center) with Pam Giannonatti (L), Angela Banks (R), and nutritionist Debbie Polisky at the Tanner Terrace event. Image Credit: Larry Jones
March 19, 2025, marked a significant day for the residents of Tanner Terrace in Glendale, Arizona, as they came together to celebrate National Nutrition Month. The event, held from 2 PM to 3:30 PM, aimed to emphasize the importance of healthy eating among seniors and featured a special focus on enhancing their nutritional knowledge.
The gathering was organized by Diana Gregory Outreach Services, a non-profit dedicated to enriching lives through healthy eating. Over the years, this organization has worked tirelessly to provide access to fresh produce and nutritional education for low-income seniors, veterans, and vulnerable individuals in the community.
A Flavorful Presentation
The afternoon began with a lively presentation titled Food, Fun, and Fitness, led by certified nutritionist Debbie Polisky. The interactive session engaged residents in discussions about the benefits of balanced nutrition and simple ways to incorporate healthy foods into their diets. Attendees were eager to learn and ask questions, creating a vibrant atmosphere filled with enthusiasm for healthier living.
As a delightful conclusion to the presentation, each of the 100 seniors in attendance received a pre-packed bag of fresh produce from Fry’s Food Stores, complete with recipes and nutritional information. Watching the smiles on the seniors’ faces as they received these gifts was a heartwarming reminder of the impact of community support.
Generous Support from Fry’s Food Stores
At the outset of the event, Diana Gregory was presented with a generous check from Fry’s Food Stores. This contribution is vital for supporting Diana Gregory Outreach Services and its initiatives. Gregory proudly stated, “We have been serving the town for 16 years, and last year alone, we served over 30,000 seniors and veterans. This kind of support is critical to continue our mission.”
Pam Giannonatti, the Corporate Affairs Manager for Fry’s, emphasized their commitment to fighting food insecurity. With initiatives like “Zero Hunger, Zero Waste,” Fry’s aims to provide fresh food not only in their stores but also to those in need within the community. “Last year alone, we were able to provide over 16 million meals to hungry Arizonans,” Girardi remarked, highlighting the company’s dedication to wholesome nutrition and community welfare.
The Mission of Diana Gregory Outreach Services
Diana Gregory Outreach Services has a clear and impactful mission: to enrich lives through healthy eating. By addressing health disparities and championing holistic nutrition and fitness, the organization ensures that vulnerable populations have access to the resources they need to thrive. Their commitment is straightforward but profound: “We have a responsibility to ensure no veteran, senior, and their families in our community go to bed hungry.”
The culmination of the event was not just about handing out fresh produce; it symbolized a community rallying together to support its most vulnerable members. Flyers were distributed to the residents of Tanner Terrace, spreading awareness about future initiatives and encouraging participation in further programs designed to enhance healthy living.
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A Community Commitment
As I observed this event, it became clear that initiatives like these serve a dual purpose: they enrich the lives of seniors by providing them with crucial resources and foster a sense of community among participants. For many seniors, events like these also offer an opportunity to socialize and engage with their neighbors, enhancing their overall well-being.
As National Nutrition Month concludes, the event at Tanner Terrace stands as a shining example of how community partnerships—between organizations, businesses, and residents—can work in harmony to create a healthier future for all. By continuing to support initiatives that prioritize nutrition, we can make a lasting impact on our community’s health and wellness.
In the spirit of National Nutrition Month, let us carry forward the lessons learned and the connections made, ensuring that every member of our community has access to the nourishment they need to lead fulfilling lives.
The Bridge is a section of the STM Daily News Blog meant for diversity, offering real news stories about bona fide community efforts to perpetuate a greater good. The purpose of The Bridge is to connect the divides that separate us, fostering understanding and empathy among different groups. By highlighting positive initiatives and inspirational actions, The Bridge aims to create a sense of unity and shared purpose. This section brings to light stories of individuals and organizations working tirelessly to promote inclusivity, equality, and mutual respect. Through these narratives, readers are encouraged to appreciate the richness of diverse perspectives and to participate actively in building stronger, more cohesive communities.
Rod: A creative force, blending words, images, and flavors. Blogger, writer, filmmaker, and photographer. Cooking enthusiast with a sci-fi vision. Passionate about his upcoming series and dedicated to TNC Network. Partnered with Rebecca Washington for a shared journey of love and art.
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(Family Features) Most people don’t want to think about death – let alone talk about it. When the time comes, families often find themselves overwhelmed, not only by grief but by the many decisions that need to be made quickly.
Funeral directors witness this every day. They see the stress and confusion that can come when there is no plan in place and the peace of mind that comes with thoughtful preparation.
After consulting funeral directors nationwide, the National Funeral Directors Association (NFDA) uncovered five things they wish families knew before a death occurs.
Dr. Ronald Premuroso, Accounting Instructor, Western Governors University School of Business
This article is republished from The Conversation under a Creative Commons license. Read the original article.
