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November 2016 Newsletter





Thanks again to everyone who provided feedback on my book cover options. Here is the finished product. Be on the lookout for when the book becomes available. Make sure to get a copy for yourself and a friend because 100% of the profits of all book sales will be going to iServe Ministries. iServe is a local charity located in Jackson County, GA that provides thousands of pounds of food each month to the less fortunate. They also distribute backpacks filled with food and other goodies to poor children in our local schools called, "Bags of Love." Check out this amazing ministry on Facebook or visit
It is during this "giving" season that we would like to sincerely say, "'Thank you for your support and your business. We truly value and appreciate you!"




As you near retirement, it's likely you'll have many questions about Social Security. Here are a few of the most common questions and answers about Social Security benefits.






Effective planning requires that you have a good understanding of your current tax situation, as well as a reasonable estimate of how your circumstances might change next year.




If you begin to receive Social Security retirement (or survivor's) benefits before you reach full retirement age, money you earn over a certain limit will reduce the amount of your Social Security benefit. In 2016, your benefit will be reduced by $1 for every $2 of earnings in excess of $15,720*

The chart below shows the effect of annual earnings of $10,000, $20,000, and $30,000 on a $12,000 annual Social Security benefit ($1,000 monthly) for someone who hasn't yet reached full retirement age.

Source: Social Security Administration, 2015

*Special rules apply in both the year you reach full retirement age and the year you retire if you have not reached full retirement age. If you are interested in learning when is the best time to apply for Social Security Retirement Benefits please call us at (770) 652-3496 or visit to set up a complimentary appointment to review your situation.


History of
Thanksgiving 4

In 1621, the Plymouth colonists and Wampanoag Indians shared an autumn harvest feast that is acknowledged today as one of the first Thanksgiving celebrations in the colonies. For more than two centuries, days of thanksgiving were celebrated by individual colonies and states. It wasn’t until 1863, in the midst of the Civil War, that President Abraham Lincoln proclaimed a national Thanksgiving Day to be held each November.

We are wishing you all a very happy and blessed Thanksgiving Day!


Nutella Cheesecake
Pumpkin Bread



2 large eggs
3/4 cup granulated white sugar
1/2 cup canola or vegetable oil
1 1/2 cups all-purpose flour
1 teaspoon baking soda
1/4 teaspoon baking powder
2 1/2 teaspoons pumpkin pie spice (see notes below if you don't have it)
1/2 teaspoon salt
1 cup unsweetened pumpkin puree
1/3 cup water

1 large egg
4 ounces cream cheese, at room temperature
3 tablespoons all-purpose flour
3/4 cup Nutella (or another chocolate hazelnut spread)


1. Preheat the oven to 350 degrees F. Spray a 5x9-inch loaf pan with nonstick spray.
2. Make the pumpkin batter: In a large bowl, whisk together the eggs, sugar and oil. In a separate bowl, whisk together the flour, baking soda, baking powder, spices and salt. Add the dry ingredients to the wet. Whisk together. Then whisk in the pumpkin and water.
3. Make the filling: In a medium bowl, use an electric mixer to combine the egg and cream cheese. Mix in the flour. Then mix in the Nutella.
4. Pour half of the pumpkin batter into the pan. Spoon most of the filling onto the pumpkin batter. Pour the rest of the pumpkin batter on top. Spoon the rest of the filling on the very top. Use a knife to swirl everything together.
5. Bake 60 to 75 minutes, or until a knife inserted into the middle of the loaf comes out clean. Cover the loaf with foil if it appears to be browning too quickly.
**If you do not have pumpkin pie spice, you can use 1 teaspoon cinnamon, 1/2 teaspoon nutmeg, 1/2 teaspoon cloves and 1/2 teaspoon allspice.


1 2 3Broadridge Investor Communication Solutions, Inc. Copyright 2016.

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

Investment advisory services are offered by First American National Investment Advisors, 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.


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