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February 2017 Newsletter


Check out our New Book

Click here or call 1-800-MONEY-SHM to receive your copy.

Now in our second printing and also available on audio!





Deciding when to begin receiving Social Security benefits.





Its most important function is to replace the earnings that would cease at the death of the insured.




When it comes to a safe and secure method of storing your documents and records, we have the solution! Generational Vault is a virtual safe deposit box that allows you to store your important files, pictures and other items. Additionally, the Vault offers a comprehensive view of your financial picture. Better yet, your stored data is accessible anywhere you have an Internet connection – 365 days a year, 24 hours a day.

Call our office at
(800) MONEY-SHM.

6 Clever Ways to Save Money This Valentine’s Day 4

1. Keep It Kitschy
Bumper cars, arcades, laser tag — finding fun activities that you would’ve done as a teenager can bring out the kid in you. Mini golf and bumper bowling are one of the most fun ways to save money this Valentine’s Day while sharing lots of laughs.

2. Rent Your Wardrobe
Online retailers like Gwynnie Bee provide monthly services where you can get designer outfits on loan. It’s sort of like having a Netflix account for your wardrobe. Not only does this save you money on clothes you may or may not wear again, but you also have unlimited new date looks at your fingertips for the price of one pair of pants.

3. Cook Dinner
Staying in is always cheaper than going out. Couple that with a romantic meal and some dim lights and you’ve hit a home run. Everyone likes to be wooed — making someone feel special by preparing their favorite dish is a great way to score Valentine’s Day points.

4. DIY Gifts
Instead of buying a super expensive piece of jewelry or something equally as wallet-busting, give a unique and personal token of your love. It can be a poem or a paint-it-yourself ceramic bowl, maybe a photo collage or short video you compiled of the two of you. Whatever you choose to design, your date will love the ingenuity and thought you put forth into them.

5. Origami
Let’s face the facts — flowers die. Why give something to someone you care about that’s only going to kick the bucket in a few days? Instead, learn how to origami flowers out of their favorite magazine or comic strip? Flowers are expected on Valentine’s Day (in addition to your other DIY gift) so instead of showing up empty-handed, or broke from the Valentine’s Day markup at the flower shop, give a bouquet that can stand the test of time and hopefully your relationship will too.

6. Groupon
If you don’t know about Groupon you are missing an opportunity to save money on the activities and restaurants you already love and to be introduced to new haunts at a price you can’t refuse. If you’re like me you have an endless supply of Groupon and Living Social deals that you haven’t cashed in yet so now’s the time to take your deals to the bank. Even if they are expired you don’t use the value paid to that merchant so you can still credit that Groupon towards your Valentine’s Date and since it’s all handled digitally, your lover never has to know that their romantic date was done on a discount.




Looking for a quick, easy sweet treat for your sweetheart?
These truffles might be just the ticket!



Total Time: 30 Minutes

(Yields: Approximately 18 Truffles)

1/3 cup semisweet chocolate chips
2/3 cup all-purpose flour
3 tablespoons unsweetened cocoa powder
1/4 teaspoon baking powder
Pinch fine salt
1/2 cup granulated sugar
6 tablespoons unsalted butter, at room temperature
1/2 teaspoon nonalcoholic vanilla extract
Confectioners' sugar or unsweetened cocoa powder, for rolling


Line a baking sheet with parchment paper. Melt the chocolate chips in a medium microwave-safe bowl in the microwave in 30-second increments, stirring in between, until melted and smooth, about 1 minute total. Whisk together the flour, cocoa powder, baking soda and salt in a medium bowl. Add the granulated sugar, butter and vanilla to the melted chocolate, and beat with an electric mixer on medium-high speed until smooth. Add the flour mixture, and mix on low speed until well incorporated. (Turn off the mixer and use your hands to help combine if needed.) Scoop tablespoonfuls of the batter, roll them into smooth balls and put them on the prepared baking sheet. Put the confectioners' sugar or cocoa powder on a plate. Before serving, roll the truffles in confectioners' sugar or cocoa powder to coat. (The truffles can be refrigerated in an airtight container for up to 5 days.)


The SHM Financial Group does not provide tax or legal advice. Please consult a qualified professional for assistance with any tax or legal issues.

The SHM Financial Group and the Molotsky Tax Advisory Group, LLC are not affiliated with or endorsed by the Social Security Administration or any government agency.

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 thesematerials may change at any time and without notice.




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