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August 2021 Newsletter





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.

Get Mixing!




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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