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March 2020 Newsletter




Why 401(k) Decisions Matter

Fewer companies offer pensions today than did for earlier generations, and That means 401(k) accounts remain important for many people as a source of retirement income.

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Rising Dough and Rising Tensions¹

It may seem a trivial thing, but in 18th-century France, bread became tied to both survival and national identity. According to Cuisine and Culture: A History of Food and People, bread became a key motivating factor in the French revolution. Author Linda Civitello writes, "Bread was considered a public service necessary to keep the people from rioting. Bakers, therefore, were public servants, so the police controlled all aspects of bread production."

Sylvia Neely's A Concise History of the French Revolution states, the average 18th-century worker spent half his daily wage on bread. When grain crops failed two years in a row (1788 and 1789), the price of bread shot up to 88 percent of his wages. Many of the working class blamed the resulting famine and economic instability of the ruling class.

The cause of the revolution was far more complicated than just bread, but it can be seen as an event very similar to what led up to the United States' Boston Tea Party.


The SECURE Act and How It Might Impact You

In December of 2019, President Trump signed the Setting Every Community Up for Retirement Enhancement Act (or SECURE Act) into law, enacting several changes that could impact your retirement.

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Irish Stew

A classic Irish Stew is simple and flavorful. It comes together easily with hearty chunks of meat, potatoes, and carrots. And it brings ultimate comfort.²

Get Cooking!



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, CLU, ChFC, CFP
President and Financial Author
27 City Square Suite 2 | Hoschton, GA 30548
P: 770.904.1978 Ext: 705 F: 770-904-1978
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