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FINANCIALLY FOCUSED

September 2023 Newsletter

As we move from the official summer season after Labor Day into the wonderful Fall season, The Month of September is officially “Life Insurance Awareness Month”.

Life Insurance has been referred to as the foundation for Your Financial Plans. Just as You would not start building a home by constructing the roof first, the foundation is very important as that holds up the walls and the roof for your home. The same is true of Life Insurance, it protects what you have built and provides a solid foundation that protects your financial “home”. There are a lot of resources and information out there, some good and some not so good on Life Insurance but here is the official resource online that is worth taking a look at:

https://lifehappens.org/

We also want to share that we are both excited and at the same time humbled to again be recognized as a 2023 Five Star award winner for Financial Professionals. This is our 12^th time being recognized and we are one of only about a dozen advisors in the state to win this award for 10+ years. Our sincere thanks to everyone that makes this possible! For more information please visit:

https://www.fivestarprofessional.com/Market/WM

As always, if you have any questions feel free to reach out to us at any time as we are always happy to help.

Thank you!

A Beginner's Guide to Inflation

A June 2023 Forbes article, The Price is Right: U.S. Inflation Hits Two-Year Low in May a combination of higher interest rates, easing supply chain challenges, and more restrictive credit has helped ease inflation in 2023. As of this past May, the annualized rate of CPI inflation declined for the eleventh consecutive month.

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Why the American School Year Starts in Fall

The short answer is farming. Back in the day, rural families needed the children at home to help with harvesting the crops, so school would be put on hold for the colder months. In the cities, however, school essentially ran all year with a few short vacations throughout. Their school years ranged from 251 to 260 days. It wasn’t until 1852 that Massachusetts became the first state to enact a compulsory public education law, meaning parents who didn’t send their children to school year-round were fined. Shortly after, a compromise was made between urban and rural school systems to run at the same time.

Coming in 2024: New 529 Plan-to-Roth IRA Rollover Option

In December 2022, Congress passed the SECURE 2.0 Act. It introduced two new rules relating to 529 plans and student debt that will take effect in 2024. The first provision allows for tax- and penalty-free rollovers from a 529 plan to a Roth IRA. The second provision allows student loan payments made by employees to qualify for employer retirement matching contributions.

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Apple Cider Chicken

What’s happening in the pan: apples caramelizing; juicy chicken searing; apple cider bubbling; rosemary making your whole kitchen smell like fall. This apple cider chicken skillet is a healthy, simple meal takes just ONE PAN and is ready in 30 minutes.

Get Cooking!


310 Marlboro Street Keene, NH 03431 Ph: (603) 357-1084 Email: info@optimumfhb.com Web: http://optfinancial.com/	Follow Us On Facebook Follow Us On LinkedIn

https://www.rd.com/article/why-school-year-starts-fall/

Advisory services are offered by Optimum Wealth LLC a Registered Investment Advisor in the State of New Hampshire. Insurance products and services are offered through Optimum Financial LLC dba Optimum Benefits, an affiliated company. Optimum Wealth LLC and Optimum Financial LLC are not affiliated with or endorsed by the Social Security Administration or any government agency, and are not engaged in the practice of law.

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Investment advisory services offered through Optimum Wealth LLC a Registered Investment Advisor in the State of New Hampshire. Insurance products and services are offered through Optimum Financial LLC, Optimum Benefits which are affiliated companies. Optimum Wealth LLC outgoing and incoming emails are electronically archived and subject to review and/or disclosure to someone other than the recipient. We cannot accept requests for securities transactions or other similar instructions through email. We cannot ensure the security of information e-mailed over the Internet, so you should be careful when transmitting confidential information such as account numbers and security holdings. If the reader of this message is not the intended recipient, or an employee or agent responsible for delivering this message to the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have received this communication in error, please notify us immediately by replying to this message and deleting it from your computer.