The Millstone Times January 2021

IN THIS ISSUE: Health and Wellness........................ 11 Home Improvement............................ 22 Pet Pages............................................. 29 Monroe TWP News-As We Age. .......... 32 Food and Dining.................................. 39 Real Estate......................................... 45 Kids . ................................................... 51 Automotive . ....................................... 54 Family Matters. ................................. 56 Changing jobs, switching e ploye , or retiring? Don’t leave your 401(k) or 403(b) unattended Changing jobs, switching employers, or retiring? Don’t l ave y ur 401(k) or 403(b) unattended Changing jobs, switching employers, or retiring? Don’t leave your 401(k) or 403(b) unattended

THE MILLSTONE TIMES Monmouth County’s ASK THE DOCTOR Writers Pam Teel

Publisher Cami Gunther Administrative Assistant Lauren Kolacki

Art Director/ Graphic Designer Stephanie Frederick

Lauren Kolacki Max Druckman

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Changing jobs, switching employers, or retiring? Don’t leave your 401(k) or 403(b) unattended It’s important that you understand your options so that you can take action n w to h lp ensure you retirement savings contin e working for you. It’s important that you understand your options so that you can take action now to help ensure your retirement savings continue working for you. • Roll over your assets into an Individual Retirement Account (IRA) to help ensure your hard- earned retirement dollars continue to work for you. It’s important that you understand your options so that you can take action now to help ensure your retirement savings continue working for you. Options generally include: • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances. Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances. • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows) • Roll over your assets into an Individual Retirement Account (IRA) • Le ve your asse s in your former employer’s qualiied retirement plan (QRP) (if the plan allows) • Move your assets directly to your current or new employer’s QRP (if the plan allows) • Cash out and pay the associated taxes Options generally include: • Roll over your assets into an Individual Retirement Account (IRA) • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows) Options generally include: Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways

It’s important that you understand your options so that you can take now to help ensure your retirement savings continue working for you

Options generally include:

• Roll over your assets into an Individual Retirement Account (IRA) • Leave your assets in your former employer’s qualiied retirement plan (QRP) (if the plan allows)

• Move your assets directly to current or new employer’s Q (if the plan allows) • Cash out and pay the associ taxes

Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways to help ensure your hard- earned retirement dollars continue to work for you. Request a free copy of Wells Fargo Advisors’ 401(k) r port and let’s discuss ways to help ensure your hard- earned retirement dollars continue to work for you.

Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances.

Request a free copy of Wells Fargo Advisors’ 401(k) report and let’s discuss ways to help ensure your hard- earned retirement dollars continue to work for you.

Learn the advantages and disadvantages of each of these options as it pertains to your individual circumstances.

4 The Millstone Times ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 ricardo.g.rivers@wellsfargoadvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Law enceville, NJ 08648 Direct: (609) 896-4623 ricardo.g.river @wellsfargo dvisors.com fa.wellsfargoadvisors.com/ricardo-rivers Lawrenceville, NJ 08648 Direct: (609) 896-4623 Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Ricardo Rivers, MBA Associate Vice President - Investment Oicer 989 Lenox Drive, Suite 200 Lawrenceville, NJ 08648 Direct: (609) 896-4623

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your specific situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action.

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, f and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situatio Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax profession before taking any action. Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236

Wells Fargo Advisors is a trade name used byWells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank ailiate of Wells Fargo & Company. © 2020 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0720-04236

January 2021

Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees Investment and Insurance Products: • NOT FDIC Insured • NO Bank Guarantee • MAY Lose Value Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action. Each option has advantages and disadvantages and the option that is best depends on your individual circumstances. You should consider features such as investment options, fees and expenses, and services ofered. A Financial Advisor can help educate you regarding your choices so you can decide which one makes the most sense for your speciic situation. Before you make a decision, read the information provided in this piece to become more informed and speak with your current retirement plan administrator, and tax professional before taking any action.