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November 2021 Newsletter





You Can Be Both Frugal and Happy in Retirement

Frugal. It’s a word that some people wear like a badge of honor, and one that others dread. In fact, when building a retirement strategy, some people are working to avoid a retirement that requires them to be frugal.

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The Word Circus Comes Full Circle¹

The word circus has the same root as “circle” and refers to something round. Ancient Roman amphitheaters were thus called circuses, due to their shape, and circus arenas today are similarly spherical, with the leader commonly referred to as the ringmaster.

The most famous Roman amphitheater was the Circus Maximus, which operated for over 1000 years. It roughly translates to “big round place”.


A Map for Your Family

A will is an essential legal document that describes how your estate should be distributed upon your death. It is the basis for the probate process and can serve as a guide for your heirs.

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Pumpkin Pie White Chocolate Brownies

This dessert taste like brownies, white chocolate fudge, and pumpkin pie fell in love!

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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