Drury Announces Fourth Quarter Honor Roll

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NORTH ADAMS, Mass. — Drury High School has announced the honor roll for the fourth quarter of the 2017-18 school year.

Grade 12

High honors: Boillat, Taylor Nicole; Clements, Ashley Elizabeth; Copeland, Mackenzie Marie; Crosier, Cassandra Champagne; Denning, Cady Aileen; Eastwood, Serena Marie; Moon, Amanda Marie Taylor, Kiara Elizabeth; Wright, Kevin Robert; Zoito, Allison Elizabeth,

Honors: Brayman, Jacob Richard; Davis, Isaiah Julien; Flynn, Trinity Marie; Jennings, Amy Lee; Johnson, Nickolas Chandler; Jutras, Lillie Annetta; Labdi, Shadi Samir; Lessard, Matthew Ryan; Neff, Anthony John; Stewart, Emily Catherine; Therrien, Brianna Marie; Toomey, Dylan Hunter.

Grade 11

High honors: Alicandri, Vincienza Mai; Bergendahl, Nea Helena; Bohl, Natasha Irene; Callahan, Andrew Chan; Cartmill, Hali Dawn; DeMarsico, Leigha Renae; Eastland, Cassidy Mae; Giron, Maya Jocelyn; Haley, Kelsey Helen; Holland, Sabrina Marie; Howland, Noelle Catherine; Janz, Jenah Lorin; Koperek, Yvonne Lee' LeSage, Kelby Berk; O'Connor, Quinn Joseph; Racette, Reece Fred; Shook, Hayley Lee; Smith, Abigail Rose; Souto, Ryan Jermaine; Tatro, Caitlin Rose; Thibert, Jamie Lee; Thomas, Laura Lynn.

Honors: Bolte, Cynthia Ann; Boucher, Sydney Patricia; Champagne, Lucas Christopher; DiGennaro, McKensie Brooke; Dix, Anna Belle; Ellerbee-Berkeley, Armoni Alize; Garcia, Josie Lynn; Gardner, Alana Marie; Howland, Jacy Mae; Landry, Kristen Marie; Lawson, Helen Kathleen; Marceau, Erin Elizabeth; Morehouse, Haylie Rosa; O'Dell, Evan Milton James; Piekos, Lauren Elizabeth; Raymond, Emilie Renee; Rumbolt, Corbin William; Scrivens, Nicole Elizabeth.

Grade 10

High honors: Boudreau, Holly Jean; Caproni, Abby Kate; Daugherty, Zoe Diane; DelRatez, Ashley Rose; Felix, Alison Marie Moulton; Guyette, Megan Kathleen; Kalamaja, Darby Ann; Lescarbeau, Isabel Marie; Sarkis, Hunter James; Singer, Hannah Marie; Sullivan, Julianne Catherine; Tatro, Madison Quin; Wentz, Jay Tyler; Wojnicki, Molly Rose.

Honors: Carr, Dontay Adrian; Hudson, Rikiyah Simone; Lemaire, Noah Ryan; Mclenithan, Amanda Jean; Moulton, Jacqueline Maria; Neff, Stefanie Noel; O'Connor, Nora Claire; Paredes, Natal Antonio; Poette, Juliet Lorraine; Tower, Jayden Elizabeth.

Grade Nine

High honors: Alicandri, Francisco Joseph; Besaw, Caleb Matthew; Booth, Katie Rose; Boudreau, Michael Aaron; Cassidy, Cristina Malu; Cellana, Caroline Rebecca; Chen, Kevin; Copeland, Kacie Corrine; Cowell, Justyn Thomas-Carl; Dobbert, Mackenzie Jane; Haley, Nathan Francis; Kalamaja, Phoebe Elizabeth; Mazza, Meadow Constatiane; Mazzacco, Olivia Rachel; Moresi, Skylar Georgina; Patenaude, Emily Claire; Robinson, Skylar Leo; Shea, Kyara; Weber, Rachael Talia.

Honors: Barnes, Emma Flora; Barry, Aileen Saoirse; Belanger, Audrey Ann; Burnett, Johnathon Paul; Cable, Raymond Charles; Goodell, Ryan Patrick; Hathaway, Huntter John; Hurlbut-Morgan, Hannah Jean; Levesque, Kyleigh Jaiden; McDonald, Drake Foxworth-Emery; Mendez, Hope Alexis; Mongeon, Quinn Taylor; Murphy, Lita Alexis; Richard, Jeremy Austin; Richard, Tiffany Ann; Scrivens, Brittney Marie; Sroka, Sarah Margaret; Sullivan-Bol, Jackson David; Superneau, Megan Lee.

Grade Eight

High honors: Albright, Julia Margaret; Belanger, Emily Lynn; Brazeau, Timothy Nmn; Christian, Faith Alexis; Clark, Madison June; Davignon, Zachary Jason; Macdonald, Alexa Marie; Marceau, Lily Marie; Mazza, Heaven Marie; Miles, Elli Anna; Nesbit, Madeline Marie; Piantoni, Lindsay Loretta; Ramsden, Elisabetta; Ramsden, Zoe; Roberts, Aidan Francis; Sherman, Meghan Rose; Sprague, Hadley Elizabeth; Tucker, Elliette Josephine; Varza, Cailen Marie.

Honors: Baker, Hannah Rose; Cooper, Emily May; Cornell, Jonathan Ryan; Harnick, Jackson Thomas; Hyde, Kylie Marie; Morgan, Ethan Daniel; Perras, McKenzie Mae; Piekos, Evan William; Sullivan-Bol, Jenna Marie; Therrien, Hayden Emilee; VanderWoude, Chase James Francis; Vince, Amaya Marie.

Grade Seven

High honors: Beliveau, Haley Magdallena; Blondin, Brandi Irene; Boyd, Elizabeth-Sky Marie; Caproni, Ella Elizabeth; Fisher, Shaleese Autumn; Goodermote, Evandia May-Sims; Gregory, Maria Jocelyn; Joy, Rylee Elizabeth; Laprise, Devin Matthew; Lescarbeau, Nicholas John; Moon, Madison Ann; Notchick, Jade Elizabeth; Pontier, Carly Elizabeth; Pucheta, Selena Marie; Singer, Hayden Francis; Trottier, Kelsey Marie.

Honors: Ames, Ian Thomas; Bachand, Bryce Christopher; Banister, Emma Elizabeth; Bergeron, Emma Grace; Cavagnaro, Jacqueline Alexa; Cowell, Alexis Nicole; Gardner, Kianna Alexandra; Gardzina, Ashley Marie; Glidden, Logan Orie; Johnson, Trinity Marie; Lee, Justine Nicole; Lewis, Bridget MaryAnn; McAllister, Isabelle Rose; Mejia-Nascimento, Justina Elizabeth; Perin, Gabriel Alexander; Russell, Alyssa Anne; Todd, Nathan James; Wehrle, Brianna Joan.


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Managing Withdrawals Carefully Can Protect Retirement Income

Submitted by Edward Jones

Throughout much of your working life, you contribute to your 401(k), IRA and other investment accounts to help ensure a comfortable retirement. However, once you do retire, you will need to shift your focus somewhat from building these investments to using them – in other words, you will have to start withdrawing from your portfolio to meet the costs of living. How can you be sure you are not taking out so much that you risk outliving your resources?

First of all, you need to establish a proper withdrawal rate – the percentage of your portfolio's value needed for one year's worth of retirement expenses. Ideally, if you were to stick with this rate, your portfolio would last as long as you do. Your withdrawal rate should be based on a number of factors, including your age, amount of assets, portfolio mix and retirement lifestyle. A financial professional can help you determine the rate that's right for you, but it's important to understand that this rate is a starting point since you will want to review your withdrawals each year to ensure they are still appropriate.

If the financial markets performed smoothly and predictably, year in and year out, any adjustments you make would likely be more modest. But, as you know, and as we all have been reminded the last several months, the markets are neither smooth nor predictable. Rather than constantly trying to change your withdrawal rate and spending in response to movements in the markets – which may be challenging if you have grown accustomed to a certain standard of living – you might be better off adopting a more conservative rate at the beginning of your retirement. For example, if you are in your mid-60s, you could start at a withdrawal rate of about 4 percent, which also assumes an increase in withdrawals (a "raise") of approximately 3 percent each year to incorporate inflation.  By starting at a more modest withdrawal rate, you would have some flexibility for those years in which the market drops significantly. And you could increase your chances of extending the lifetime of your portfolio.

But even if you started out with a conservative rate, you may need to review it during periods of extreme market movements. If, for instance, your portfolio were to fall 20 percent in one year, the 4 percent you had planned to withdraw would actually become 5 percent because you’re taking out the amount you had planned, but now it's from a smaller pool of money. If this happens, should you consider making an adjustment?

There's no easy answer. The amount you withdraw from your portfolio has a major impact on how long your money lasts. You will improve your likelihood of success if you are able to be flexible and make some spending adjustments – spending less on some of your discretionary items, for example, or not taking a "raise" until your portfolio recovers. Importantly, your financial advisor can help run different scenarios to determine if adjustments need to be made to ensure you remain on track

In any case, think carefully about your withdrawal rate. By managing it carefully, and reviewing it over time, you can take greater control over your retirement income.

This article was written by Edward Jones for use by your local Edward Jones financial advisor. Courtesy of Rob Adams, 71 Main Street, North Adams, MA 01247, 413-664-9253.. Edward Jones, its employees and financial advisors cannot provide tax or legal advice. You should consult your attorney or qualified tax advisor regarding your situation. For more information, see EdwardJones.com.

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