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Walking may reduce the need for dialysis. METRO photo
Simple lifestyle changes can have an impact

By David Dunaief, M.D.

Dr. David Dunaief

On the heels of National Kidney Month in March, let’s look more closely at strategies for reducing chronic kidney disease (CKD). Those at highest risk for CKD include patients with diabetes, high blood pressure and those with first-degree relatives who have advanced disease. But those are only the ones at highest risk.

CKD is tricky because, similar to high blood pressure and dyslipidemia (high cholesterol), it tends to be asymptomatic, at least initially. Only in the advanced stages do symptoms become distinct, though there can be vague symptoms in moderate stages such as fatigue, malaise and loss of appetite.

What are the CKD stages?

CKD is classified into five stages based on the estimated glomerular filtration rate (eGFR), a way to determine kidney function. Stages 1 and 2 are the early stages, while stages 3a and 3b are the moderate stages, and finally stages 4 and 5 are the advanced stages. Stage 5 is end-stage renal disease, or kidney failure.

Who should be screened?

According to the U.S. Preventive Services Task Force and the American College of Physicians, those who are at highest risk should be screened including, as I mentioned above, patients with diabetes or hypertension (1)(2). 

In an interview on Medscape.com, “Proteinuria: A Cheaper and Better Cholesterol?” two high-ranking nephrologists suggest that first-degree relatives to advanced CKD patients should also be screened and that those with vague symptoms of fatigue, malaise and/or decreased appetite may also be potential screening candidates (3). This broadens the asymptomatic population that may benefit from screening.

Slowing CKD progression

Fortunately, there are several options available, ranging from preventing CKD with specific exercise to slowing the progression with lifestyle changes and medications.

How much exercise?

Here we go again, preaching the benefits of exercise. But what if you don’t really like exercise? It turns out that the results of a study show that walking reduces the risk of death and the need for dialysis by 33 percent and 21 percent respectively (4). And although some don’t like formal exercise programs, most people agree that walking is enticing.

The most prevalent form of exercise in this study was walking. Even more intriguing, the results are based on a dose-response curve. In other words, those who walked more often saw greater results. So, the participants who walked one-to-two times per week had a significant 17 percent reduction in death and a 19 percent reduction in kidney replacement therapy, while those who walked at least seven times per week experienced a more impressive 59 percent reduction in death and a 44 percent reduction in the risk of dialysis. There were 6,363 participants for an average duration of 1.3 years.

How much protein to consume?

When it comes to CKD, more protein is not necessarily better, and may even be harmful. In a meta-analysis (a group of 10 randomized controlled trials) of Cochrane database studies, results showed that the risk of death or treatment with dialysis or kidney transplant was reduced by 32 percent in those who consumed less protein compared to unrestricted protein (5). According to the authors, as few as two patients would need to be treated for a year in order to prevent one from either dying or reaching the need for dialysis or transplant.

Sodium: How much is too much?

Good news! In a study, results showed that a modest sodium reduction in our diet may be sufficient to help prevent proteinuria (protein in the urine) (6). Here, less than 2000 mg was shown to be beneficial, something all of us can achieve.

Medications have a place

We routinely give certain medications, ACE inhibitors or ARBs, to patients who have diabetes to protect their kidneys. What about patients who do not have diabetes? ACEs and ARBs are two classes of anti-hypertensives — high blood pressure medications — that work on the RAAS system of the kidneys, responsible for blood pressure and water balance (7). Results of a study show that these medications reduced the risk of death significantly in patients with moderate CKD. Most of the patients were considered hypertensive.

However, there was a high discontinuation rate among those taking the medication. If you include the discontinuations and regard them as failures, then all who participated showed a 19 percent reduction in risk of death, which was significant. However, if you exclude discontinuations, the results are much more robust with a 63 percent reduction. To get a more realistic picture, this result, including both participants and dropouts, is probably close to what will occur in clinical practice unless the physician is a really good motivator or has very highly motivated patients.

While these two classes of medications, ACE inhibitors and ARBs, are good potential options for protecting the kidneys, they are not the only options. You don’t necessarily have to rely on drug therapies, and there is no downside to lifestyle modifications. Lowering sodium modestly, walking frequently, and lowering your protein consumption may all be viable options, with or without medication, since medication compliance was woeful. Screening for asymptomatic, moderate CKD may lack conclusive studies, but screening should occur in high-risk patients and possibly be on the radar for those with vague symptoms of lethargy as well as aches and pains. Of course, this is a discussion to have with your physician.

References:

(1) uspreventiveservicestaskforce.org (2) aafp.org. (3) Medscape.com. (4) Clin J Am Soc Nephrol. 2014;9(7):1183-9. (5) Cochrane Database Syst Rev. 2009;(3):CD001892. (6) Curr Opin Nephrol Hypertens. 2014;23(6):533-540. (7) J Am Coll Cardiol. 2014;63(7):650-658.

Dr. David Dunaief is a speaker, author and local lifestyle medicine physician focusing on the integration of medicine, nutrition, fitness and stress management. For further information, visit www.medicalcompassmd.com. 

METRO photo

By Michael Christodoulou

Michael Christodoulou
Michael Christodoulou

As you’ve probably heard, the government extended the federal income tax filing deadline for individual taxpayers from April 15 to May 17, due to the COVID-19 pandemic. But the extra month doesn’t just give you additional time to prepare your taxes – it also provides you with an extra chance to contribute to some tax-advantaged investments for the 2020 tax year.

First of all, you’ve got more time to fully fund your IRA – in fact, if you don’t already have one, you’ve got until the new tax deadline to open one for the 2020 tax year and then continue funding it for 2021 and beyond. For 2020 and 2021, the IRA contribution limit is $6,000, or $7,000 if you’re 50 or older.

If you have a traditional IRA, your investment dollars are typically tax deductible. So, for example, if you are in the 24% tax bracket, and you put in the full $6,000, your contribution for the 2020 tax year would only “cost” you $4,560, because you’d be able to deduct $1,440 from your taxable income. (Deductibility is gradually phased out at certain income levels.)

And your earnings grow tax-deferred until you start taking withdrawals, typically during retirement. With a Roth IRA, your contributions aren’t deductible, but earnings can grow tax free if you’ve had your account at least five years and don’t take withdrawals until you’re 59½ or older. Eligibility for a Roth IRA also phases out at higher income levels.

What if you own a small business or, like many people this past year, struck out on your own and became self-employed? Business owners who file as sole proprietors also have until May 17 to contribute to, or open, a SEP IRA. (You might qualify for an extension until Oct. 15.) An SEP IRA is similar to a traditional IRA in that contributions are tax deductible and earnings grow tax deferred. For the 2020 tax year, you can contribute the lesser of 25% of your compensation or $57,000. However, special rules govern the maximum deductible contributions, so consult with your tax advisor before finalizing the amount you put in. Also, keep in mind that your estimated taxes for the first quarter of 2021 will still be due on the original April 15 date.

There’s one more area in which the new tax-filing deadline offers you an opportunity: “recontributions” to your retirement plans, such as your IRA and 401(k). In 2020, withdrawal rules were loosened for these accounts for individuals financially affected by the pandemic, and if you took money out, you could spread the taxes over three years. However, during that time, you can recontribute all or part of the withdrawals. And any money you do recontribute before the tax filing deadline of May 17 (or later, if you get an extension) can be excluded on your 2020 tax return, possibly reducing your taxes. So, your recontribution can provide you with more money in your retirement accounts and a tax break today.

One final point: If you’ve already filed your taxes but would still like to claim the extra tax benefits provided by IRA contributions or retirement plan recontributions, you may be able to file an amended return, so check with your tax advisor. In any case, look for ways to benefit from the tax-advantaged opportunities available to you.

Michael Christodoulou, ChFC®, AAMS®, CRPC®, CRPS® is a Financial Advisor for Edward Jones in Stony Brook. Member SIPC.

Stock photo

By Lisa Scott

Every person has dignity and potential. But one in three American adults has a criminal record, which limits their access to education, jobs, housing, and other things they need to reach that potential. Observed in the United States during April since 2017, Second Chance Month is a nationwide effort to raise awareness of the collateral consequences of a criminal conviction and unlock second-chance opportunities for people who have completed their sentences to become contributing citizens. 

NYU’s Brennan Center for Justice reports that the number of people incarcerated in America today is more than four times larger than it was in 1980, when wages began to stagnate and the social safety net began to be rolled back. We’ve long known that people involved in the criminal justice system — a group that’s disproportionately poor and Black — face economic barriers in the form of hiring discrimination and lost job opportunities, among other factors. People who were imprisoned early in their lives earn about half as much annually as socioeconomically similar people untouched by the criminal justice system.

The staggering racial disparities in our criminal justice system flow directly into economic inequality. These consequences are magnified and reinforced throughout a lifetime of discrimination in employment and access to economic opportunity. They are felt by individuals, of course, but also by families and communities. And they are felt in such large numbers, and in such a systemic way, that they constitute a major structural factor in economic inequality.

Suffolk County has the highest parole population in the State, so New York State legislative criminal justice and reentry reform proposals (and action) in 2021 can have a powerful impact for our community members. Here are a few examples :

Relocation So Parents Can Be Closer To Their Children While Incarcerated was passed as Correction Law 72-C

HALT (Humane Alternatives To Long-Term) — Limiting Solitary Confinement was passed and will take effect April 1, 2022. 

Fair and Timely Parole Act (NYS Senate and Assembly Bills S497A/A4346) This would shift the standard for discretionary parole release, moving toward a presumption of release under state law. It would remove language that says an inmate should not be given parole if their release will “deprecate the seriousness of his crime” and under the bill, parole could be denied if there’s a “current and unreasonable risk” the person will break the law if released, and that the risk “cannot be mitigated by parole supervision.” 

Juvenile Offender Second Chance Act (NYS Senate And Assembly Bills S7539/A6491) This would allow a person previously adjudicated a “juvenile offender,” who did not receive “youthful offender” status (converting the criminal conviction to an adjudication), an opportunity to petition the court and get “youthful offender” status on the previous charge when they are: at least 26 years old and fulfill other requirements.

Clean Slate — Automatic Expungement (NYS Senate and Assembly Bills S1553A/A6399) Of particular interest (although less likely to become law this year) is the Clean Slate law that will automatically clear a New Yorker’s criminal record once they become eligible. With more than 400,000 New Yorkers arrested on criminal charges each year, the exclusion of people with criminal records from employment opportunities via background checks and other barriers hurts productivity and deprives the workforce of crucial talent. The ACLU estimates that, nationally, excluding individuals with conviction histories from the workforce costs the economy between $78 billion and $87 billion in lost domestic product. 

Expansion Of Sealing Convictions 160.59 would be a small, positive step but currently is only under discussion in the NYS Senate. 

Voting-Restoration For People On Parole (NYS Senate and Assembly Bills S1931/A4987) Last year, the Governor issued an executive order granting 35,000 voting pardons to people on parole, but that’s just a stopgap measure. This law would make voting rights for people on parole permanent, so that a future Governor could not overturn the executive order. Additionally, it would automate and simplify the process, removing confusion from eligible voters and officials that currently keeps people on parole de facto disenfranchised. 

Other sites that offer information on prison reform and reentry justice are the Prison Fellowship, the Center for Economic and Policy Research, The Vera Institute, The Collateral Consequence Resource Center, Prison Policy Initiative, and The Sentencing Project.

Lisa Scott is president of the League of Women Voters of Suffolk County, a nonprofit, nonpartisan organization that encourages the informed and active participation of citizens in government and influences public policy through education and advocacy. For more information, visit www.lwv-suffolkcounty.org or call 631-862-6860.

From left, Dr. Sunil Kumar Sharma, Dr. Priyanka Sharma, Ritika Joshi, and Dr. Ben Hsiao. Photo by Lynn Spinnato

By Daniel Dunaief

“Water, water everywhere, nor any drop to drink,” according to Samuel Taylor Coleridge in his poem “The Rime of the Ancient Mariner.” 

That won’t be the case, particularly in areas with fresh water that needs decontamination, if Stony Brook’s Ben Hsiao and Priyanka Sharma have anything to say about it.

The duo recently won first place for creativity in the prestigious Prince Sultan Bin Abdulaziz International Prize for Water that drew research applicants, and runners up, from all over the world who are addressing water-related challenges. Hsiao, Distinguished Professor in the Department of Chemistry at Stony Brook University and Sharma, Research Assistant Professor, will receive $133,000 for winning first place for the award which is given every other year.

Hsiao and Sharma are continuing to develop a plant biomass-based filtration system that is designed to make drinking water, a scarce necessity in developing nations around the world, more accessible to people who sometimes have to walk hours each day for their allotment.

Hsiao said he was “really honored [just] to be nominated” by the Department Chair Peter Tonge. “There are so many people in the whole world working on water purification.” 

Winning the award was “truly a surprise,” with Hsiao adding that he is “humbled” by the honor.

Sharma said it was an “amazing feeling to receive an international prize.” The work, which has received two other awards including from the New York Academy of Science, has “truly gained its importance,” she wrote in an email.

Sharma said her parents and her husband Sunil Kumar Sharma’s parents, who live in her native India, have been “spreading the news” in India and are excited for the recognition and for the potential benefit to society from the research.

Hsiao, who started working on filtration systems in 2009 after Richard Leakey invited him to visit the Turkana Basin Institute in Kenya, has made several discoveries in connection with a process he hopes becomes widely available to people in communities that don’t have electricity.

He and Sharma have developed adsorbents, coagulants and membrane materials from biomass-sourced nanocellulose fibers.

The standard commercial water purification system involves using artificial polymers, in which electricity pumps water through the filter that can remove bacteria, viruses, heavy metals and other potential contaminants.

Hsiao and Sharma, however, have turned to the plant world for a more readily available and cost effective solution to the challenge of filtering water. Plants of all kinds, from shrubs to bushes to feedstock, have overlapping cellulose fibers. By deploying these overlapping needles in filters, the Stony Brook scientists can remove the kind of impurities that cause sickness and disease, while producing cleaner water. 

The needles, which are carboxy-cellulose nanofibers, act as a purifying agent that has negative surface charge which causes the removal of oppositely charged impurities. By using these fibers for water purification, Sharma said the team has improved the efficiency and cost related to impurity removal.

Hsiao and Sharma have not tested this material for filters yet. A few years ago, Hsiao used a similar material for filtration. When Sharma joined Hsiao’s lab, she helped develop a cost effective and simpler method, which is how she started working on the nitro-oxidation process. The substrate from nitro-oxidation acts as a purifying agent like charcoal.

The substrates they created can benefit the developed as well as the developing world. In the future, if they receive sufficient funds, they would like to address the ammonium impurities initially on Long Island. The area regularly experiences algal blooms as a result of a build up of nitrogen, often from fertilizers.

The negatively charged substrate attracts the positively charged ammonium impurities. They have tested this material in the lab for the removal of ammonium from contaminated water. Not only does that cleanse the water, but it also collects the ammonium trapped on the carboxycellulose fibers that can be recycled as fertilizer.

Hsiao is working with two countries on trying to make this approach available: Kenya and Botswana. The Kenya connection came through the work he has been doing with Richard Leakey at Stony Brook’s Turkana Basin Institute, while Botswana is a “small but stable country [in which he can] work together to have some field applications.”

Hsiao said Sharma, whom he convinced to join his lab in 2015, has a complementary skill set that enables their shared vision to move closer to a reality.

Sharma’s “cellulose chemistry is a lot better than mine,” Hsiao said. “I have these crazy visions that this is going to happen. She allows me to indulge my vision. Plus, we have a team of dedicated students and post docs working on this.”

Hsiao encouraged Sharma to join his research effort when he offered his idea for the potential benefits of the work.

Hsiao said he “ wanted to do something for societal benefit,” Sharma said. “That one sentence excited me.” Additionally, she said his lab was well known for using the synchrotron to characterize cellulose nanofibers and for developing cellulose based filtration membranes.

Coming from India to the United States “wasn’t easy,” as no one in her extended family had been to the states, but she felt a strong desire to achieve her academic and professional mission.

Hsiao described Sharma as a “promising, talented scientist,” and said he hopes they can land large research grants so they can continue to develop and advance this approach.

Back in 2016, Hsiao set an ambitious goal of creating a process that could have application throughout the world within five years, which would be around now.

“I was naive” about the challenges and the timing, Hsiao said. “I still have another five to 10 years to go, but we’re getting closer.”

Broadly, the effort to provide drinkable water that is accessible to people throughout the world is a professional challenge Hsiao embraces. 

The effort “consumes me day and night,” he said. “I’m dedicating the rest of my life to finding solutions. I’m doing this because I feel like it’s really needed and can have a true impact to help people.”

Mia

MEET MIA – AGAIN!

This week’s shelter pet is Mia is a 3-year-old mastiff/pit/lab mix who is still waiting at the Smithtown Animal Shelter for her furever home. 

Mia is stunningly beautiful, goofy and playful. Because she lacked proper socialization in her puppy years, she tends to distrust strangers.  She needs someone who is willing to give her time to trust; then you will be rewarded with kisses, cuddles and slobber. Once she trusts someone, it is forever.  

Mia would be best suited as an only pet in an adult only home. She is spayed, microchipped and is up to date on her vaccines. If you are interested in meeting Mia please call ahead to schedule an hour to properly interact with her in a domestic setting, which includes a Meet and Greet Room, the dog runs and a Dog Walk trail. 

The Smithtown Animal & Adoption Shelter is located at 410 Middle Country Road, Smithtown. Shelter operating hours are currently Monday to Saturday 10 a.m. to 3 p.m. (Sundays and Wednesday evenings by appointment only). Call 631-360-7575 or visit www.smithtownanimalshelter.com.

Blaze

MEET BLAZE!

Blaze

This week’s shelter pet is Blaze, an eight year-old Male Pit who was rescued by Smithtown Animal Control Officers when he was found abandoned and left in a cage at Blydenburgh Park. As a result of this sad experience, he takes his time to trust a new person, but once he opens up, he shows just how playful, intelligent, and loving he can be. 

Blaze knows his basic commands like sit, wait, give paw, and he walks nicely on a leash. He needs an adult only home, without other pets, and an owner familiar with raising big breed dogs. Blaze deserves a furrever home that will spend time giving him the love (and treats) that he deserves, understanding that he had a tough life before being brought to the Smithtown Animal Shelter. He is neutered, microchipped and is up to date on his vaccines.

If you are interested in meeting Blaze, please call ahead to schedule an hour to properly interact with him in a domestic setting, which includes a Meet and Greet Room, the dog runs and a Dog Walk trail. 

The Smithtown Animal & Adoption Shelter is located at 410 Middle Country Road, Smithtown. Shelter operating hours are currently Monday to Saturday 10 a.m. to 3 p.m. (Sundays and Wednesday evenings by appointment only). Call 631-360-7575 or visit www.smithtownanimalshelter.com.

Photo by Michael Perlotto

A STATUESQUE SIGHT

Michael Perlotto of Stony Brook snapped this incredible photo in mid-March. He writes, ‘I was walking at dusk on Trustees Road [at West Meadow Beach]. I rounded the corner and came upon this amazing scene.  I was the only one within eyesight … you could hear a pin drop as the deer stood off on the horizon.  I quickly took this picture with my iPhone as the deer stood perfectly still like statues!’

Send your Photo of the Week to [email protected]

 

There are many fruits and vegetables that are beneficial for kidney health. METRO photo
Increasing fruits and vegetables may protect kidneys

By David Dunaief, M.D.

Dr. David Dunaief

Chronic kidney disease is on the rise in this country. Approximately 37 million U.S. adults have chronic kidney disease (CKD), with as many as 9 in 10 not aware they have it, according to the Centers for Disease Control and Prevention (CDC) (1). In this article, we will look beyond the more obvious causes of chronic kidney disease, like diabetes, smoking, aging, obesity and high blood pressure (2).

Why is early-stage CKD so important? It is associated with a 40 percent increased risk of developing cardiovascular events, such as heart attacks (3). It also significantly increases the risk of peripheral artery disease (PAD). Those with decreased kidney function have a 24 percent prevalence of PAD, compared to 3.7 percent in those with normal kidney function (4). Of course, it can lead ultimately to end-stage renal (kidney) disease, requiring dialysis and potentially a kidney transplant.

One of the problems with early-stage CKD is that it tends to be asymptomatic. However, there are simple tests, such as a basic metabolic panel and a urinalysis, that will indicate whether a patient may have mild chronic kidney disease. These indices for kidney function include an estimated glomerular filtration rate (eGFR), creatinine level and protein in the urine. While the other two indices have varying ranges depending on the laboratory used, a patient with an eGFR of 30 to 59 mL/minute/1.73 m2 is considered to have mild disease. The eGFR and the kidney function are inversely related, meaning as eGFR declines, the more severe the chronic kidney disease.

What can be done to stem early-stage CKD, before complications occur? There are several studies that have looked at medications and lifestyle modifications and their impacts on its prevention, treatment and reversal. Let’s look at the evidence.

Leveraging Medications

Allopurinol is usually thought of as a medication to prevent gout. However, in a randomized controlled trial, with 113 patients, results show that allopurinol may help to slow the progression of CKD, defined in this study as an eGFR less than 60 mL/min/1.73 m2 (5). The group using 100 mg of allopurinol showed significant improvement in eGFR levels (compared to the control group over a two-year period. The researchers concluded that allopurinol slowed CKD progression. Allopurinol also decreased cardiovascular risk by 71 percent.

Fibrates are a class of drug usually used to boost HDL (“good”) cholesterol levels and reduce triglyceride levels, another cholesterol marker. Fibrates have gotten negative press for not showing improvement in cardiovascular outcomes. However, in patients with mild to moderate CKD, a meta-analysis (a group of 10 studies) showed a 30 percent reduction in major cardiovascular events and a 40 percent reduction in the risk of cardiovascular mortality with the use of fibrates (6). This is important, since patients with CKD are mostly likely to die of cardiovascular disease.

The authors concluded that fibrates seem to have a much more powerful beneficial effect in CKD patients, as opposed to the general population. So, there may be a role for fibrates after all.

Diet’s impact

Fruits and vegetables may play a role in helping patients with CKD. In one study, the results showed that fruits and vegetables work as well as sodium bicarbonate in improving kidney function by reducing metabolic acidosis levels (7).

What is the significance of metabolic acidosis? It means that body fluids become acidic, and it is associated with chronic kidney disease. The authors concluded that both sodium bicarbonate and a diet including fruits and vegetables were renoprotective, helping to protect the kidneys from further damage in patients with CKD. Alkali diets are primarily plant-based, although not necessarily vegetarian or vegan diets. Animal products tend to cause an acidic environment. The study was one year in duration with 77 patients.

In the Nurses’ Health Study, results show that animal fat, red meat and sodium all negatively impact kidney function (8). The risk of protein in the urine, a potential indicator of CKD, increased by 72 percent in those participants who consumed the highest amounts of animal fat compared to the lowest, and by 51 percent in those who ate red meat at least twice a week. With higher amounts of sodium, there was a 52 percent increased risk of having lower levels of eGFR.

The most interesting part with sodium was that the difference between higher mean consumption and the lower mean consumption was not that large, 2.4 grams compared to 1.7 grams. In other words, the difference between approximately a teaspoon of sodium and three quarters of a teaspoon was responsible for the decrease in kidney function.

In my practice, when CKD patients follow a vegetable-rich, nutrient-dense diet, there are substantial improvements in kidney functioning. For instance, for one patient, his baseline eGFR was 54 mL/min/1.73 m2. After one month of lifestyle modifications, his eGFR improved by 9 points to 63 mL/min/1.73 m2, which is a return to “normal” functioning of the kidney. Note that this is an anecdotal story and not a study.

Therefore, it is important to have your kidney function checked with mainstream tests. If the levels are low, you should address the issue through medications and/or lifestyle modifications to manage and reverse early-stage CKD. Don’t wait until symptoms and complications occur. In my experience, it is much easier to treat and reverse a disease in its earlier stages, and CKD is no exception.

References:

(1) CDC.gov. (2) JAMA. 2004;291:844-850. (3) N Engl J Med. 2004;351:1296-1305. (4) Circulation. 2004;109:320–323. (5) Clin J Am Soc Nephrol. 2010 Aug;5:1388-1393. (6) J Am Coll Cardiol. 2012 Nov. 13;60:2061-2071. (7) Clin J Am Soc Nephrol. 2013;8:371-381. (8) Clin J Am Soc Nephrol. 2010; 5:836-843.

Dr. David Dunaief is a speaker, author and local lifestyle medicine physician focusing on the integration of medicine, nutrition, fitness and stress management. For further information, visit www.medicalcompassmd.com. 

Photo from Pexels

By Michael Christodoulou

Michael Christodoulou
Michael Christodoulou

The COVID-19 pandemic may end up changing our lives in some significant ways. To cite one example, it’s likely we’ll see a lot more people continue to work remotely, now that they’ve seen the effectiveness of tools such as videoconferencing. Education, too, may be forever changed in some ways. Perhaps just as important, though, is how many people may now think more about the future – including how they invest.

If you work with a financial professional, you may have connected with this individual over the past several months through a videoconferencing platform, rather than in person. Some people like this arrangement because it offers more scheduling flexibility and eliminates the time and effort of traveling to and from an appointment. Others, however, still prefer face-to-face contact and look forward to when such arrangements will again be practical and safe for everyone involved. But if you’re in the first group – that is, you prefer videoconferencing – you may now wish to use this communication method in the future, at least some of the time.

But beyond the physical aspects of your investing experience, you may now be looking at some changes in your investment strategy brought on, or at least suggested, by your reactions to the pandemic.

For example, many people – especially, but not exclusively, those whose employment was affected by the pandemic – found that they were coming up short in the area of liquidity. They didn’t have enough easily accessible savings to provide them with the cash they needed to meet their expenses until their employment situations stabilized. Consequently, some individuals were forced to dip into their long-term investments, such as their 401(k)s and IRAs. Generally speaking, this type of move is not ideal – these accounts are designed for retirement, so, the more you tap into them early, the less you’ll have available when you do retire. Furthermore, your withdrawals will likely be taxable, and, depending on your age, may also be subject to penalties.

If you were affected by this liquidity crunch, you can take steps now to avoid its recurrence. Your best move may be to build an emergency fund containing three to six months’ worth of living expenses, with the funds held in a separate, highly accessible account of cash or cash equivalents. Of course, given your regular expenses, it may take some time to build such an amount, but if you can commit yourself to putting away a certain amount of money each month, you will make progress. Even having a few hundred dollars in an emergency fund can help create more financial stability.

Apart from this new appreciation for short-term liquidity, though, the foundation for your overall financial future should remain essentially the same. In addition to building your emergency fund, you should still contribute what you can afford to your IRA, 401(k) and other retirement plans. If you have children you want to send to college, you might still explore college-funding vehicles such as a 529 plan. Higher education will still be expensive, even with an expansion in online learning programs.

Post-pandemic life may contain some differences, along with many similarities to life before. But it will always be a smart move to create a long-term financial strategy tailored to your individual needs, goals and risk tolerance.

Michael Christodoulou, ChFC®, AAMS®, CRPC®, CRPS®

Financial Advisor from the STONY BROOK EDWARD JONES

Edward Jones. Member SIPC.