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February 2019 Newsletter



Plan Your Retirement Living

When planning for retirement, many people think about how much time they’ll spend with their grandkids, which destinations they will cross off their bucket list and how many rounds of golf they will play each week.

Let’s be clear — those are amazing and important reasons to be excited about retirement. But they’re not the only things you need to be thinking about. Retirement changes the rules when it comes to finances, and it’s important to make sure you plan accordingly.

Continue Reading Here



February Facts 1

- Traditionally, the Moon we see in February is called the Snow Moon because usually the heaviest snows fall in February. This name dates back to the Native Americans during Colonial times when the Moons were a way of tracking the seasons. And the Native Americans were right. On average, February is the USA’s snowiest month, according to data from the National Weather Service.

- The month is named for the Latin word "februum" which means purification.

- February was added to the Roman calendar in 713 BC. The length of the month changed over time and, at one time, it had as few as 23 days. When Julius Caesar remade the Roman calendar, the month was assigned 28 days during normal years and 29 days during leap years which occurred every four years.

- The birthstone for February is Amethyst.



Tax Planning For Annuities 2

Favorable tax treatment is one of the main reasons for buying an annuity. But what exactly are the tax benefits? And are there any drawbacks? It’s important to know the answers to these questions before deciding whether to purchase an annuity. Of course, any information pertaining to taxes is complex, full of exceptions, and subject to change. Annuities may be funded with after-tax dollars, or they may be purchased within a tax-advantaged plan such as an IRA or 401(k). This discussion deals with the general rules for taxation of annuities funded with after-tax dollars--you should consult a tax advisor for more specific information before you take any action.

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Carrot Cake Cupcakes 3

These carrot cake cupcakes with cream cheese frosting are the perfect winter dessert.

Get Baking!


1. Source:
2. Broadridge Investor Communication Solutions, Inc. Copyright, 2018

E.T.S. Financial Services, LLC. is not affiliated or endorsed by the Social Security Administration or any government agency.

Investment advisory services are offered by First Advisors National, LLC, a Registered Investment Advisor in the State of Georgia.

Some of these materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.


Eric Scoggins
© ETS Financial Services, LLC.

3460 Summit Ridge Parkway
Suite 601

Duluth, GA 30096
T: (770) 652-3496



© ETS Financial Services, LLC.
27 City Square
Suite 2
Hoschton, GA 30548



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