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August 2021 Newsletter




Navigating Retirement: The Time is NOW

Have you started planning for retirement yet? If you have, are you on track for your retirement goals? The earlier you can begin saving & putting money aside for retirement, the better – even if just 1% or 2% to start, with gradual increases over time. We'll illustrate how you can utilize some of the most effective strategies toward achieving your financial & retirement goals. On an average per year basis, Americans 65 years of age & older spend...

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Is the Medicare Donut Hole Really Closed?

You may have heard that the coverage gap for Medicare Part D prescription drug coverage — commonly known as the donut hole — closed in 2020. While it’s true that recent changes should reduce costs for many beneficiaries, the coverage gap still exists, and costs for some prescriptions may increase in the gap.

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Living in a Bubble¹
When the parrotfish settles in for a good night’s rest, it activates special glands in the gills to secrete a mucus bubble around itself. Scientists have long debated why the parrotfish does this, postulating that it may lower the chances of being eaten by eels or act as a kind of fishy sunscreen.


Three Phases of Retirement

Retirement can last 20 to 30 years or more, so it may be helpful to consider it as a series of phases. Here are three phases that you might pass through on your retirement journey, and some questions to ask along the way.

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Chicken Tacos

This chicken tacos recipe is quick and easy--perfect for those nights when you don't have a lot of time for dinner preparations.

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Now Available




A Look Inside:

You might have desires during retirement, such as traveling, purchasing property, or moving to be closer to your family (or farther away). You may also want your assets to provide for your loved ones after you are gone. The truth is that it takes more than just money to fulfill those needs and desires. Your income, your plans for retirement, your future healthcare expenses, and the continued accumulation of your assets after you stop working and drawing a paycheck all rely on one thing: You

You'll Learn:
  • ​Investment Solutions
  • Social Security Strategies
  • Legacy Planning
  • Asset Organization

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

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!


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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. dba, Dowling Legacy & Retirement, an affiliated company. Neither Chancellor Financial Services, Inc., nor Dowling Legacy & Retirement are affiliated with or endorsed by the Social Security Administration or any government agency.

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