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September 2019 Newsletter




"A Guide to Getting Your House In Order"

Come in for a complimentary consultation and receive an autographed copy of our book!

Visit us today!

Local authors and financial professionals Ron and Karen Dowling reveal strategies to getting your legacy, retirement and income planning in order with their new book!

Order yours today on Amazon!¹



Unearthing Three Harsh Realities of Retirement

As you prepare for retirement, it may be helpful to know that there are some potential realities that traditional retirement advice may overlook or ignore.

A few of these were highlighted in “3 Harsh Realities Retirement Advice Almost Always Ignores,” an article published on Yahoo Finance on June 24, 2019. Let’s dig into each of these realities.

Continue Reading Here


As time goes by, common phrases have a tendency to change meanings through literature or everyday use. In celebration of International Literacy day, this month's trivia will take a closer look at some of these common sayings!2

Carpe Diem
This Latin phrase is often translated as “seize the day” in English, and it’s used to justify spontaneous behavior in order to make the most of that day. This, however, is not entirely true. The phrase we think we know so well is much longer: “carpe diem, quam minimum credula postero,” which means “pluck the day, trusting as little as possible in the future.” Thus, the actual phrase does not encourage us to ignore the future, but rather advises us to do as much as we can now for the future.

Sweating Like a Pig

When someone is “sweating like a pig,” it indicates profuse, heavy perspiration. But there’s one little problem with this common phrase: pigs don’t sweat. In fact, the origin of the phrase has nothing to do with pigs, but refers to pig iron, which is produced from iron ore during the smelting process. The metal is deemed cool enough to transport once droplets of condensation begin forming on the metal’s surface — so when the “pig” begins to “sweat” the metal can be safely moved.

Cold Shoulder

To receive the cold shoulder is to have someone treat you dismissively, with a chilly demeanor. And while you might think the phrase is derived from someone turning his or her back on someone, the origin is quite different. In fact, the actual meaning indicates that those who are welcome in a house are presented with a hot meal, while unwelcome visitors are instead given a cold shoulder of mutton.



Fear Not — You Can Change Your Spending Ways

A lot of personal finance advice can be lumped in to two phrases: Spend less and Save more.

Often, finance experts focus on how little has been saved or how many people are spending too much, but there is some good news. There’s a group of Americans who have recently cut their spending and that group is larger than you may think! A July 2019 article from The Motley Fool highlighted this group and gave some tips in their article, “33% of Americans Slashed Their Spending This Past Year. Here’s How You Can Do It.”

Continue Reading Here





Harvest Chicken Casserole 3

A satisfying casserole with all of your fall favorites. Check out this amazing dish!

Get Baking!




Advisory services are offered by Chancellor Financial Services, Inc a Registered Investment Advisor in the State of IL. Insurance services offered through Dowling Consulting Services, Inc, an affiliated company. Neither Chancellor Financial Services, Inc., nor Dowling Consulting Services, Inc. are affiliated with or endorsed by the Social Security Administration or any government agency.

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