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December 2021 Newsletter




Are You a HENRY? Consider These Wealth-Building Strategies

HENRY is a catchy acronym for "high earner, not rich yet." It describes a demographic made up of young and often highly educated professionals with substantial incomes but little or no savings.

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Feel Good Music¹

We all know that music is good for the soul but did you know it’s also good for a cold? Research done by German scientists revealed that listening (to jazz music in particular) reduces stress, which amplifies immunoglobulin levels in the body.

Immunoglobulin is a naturally occurring protein that helps the body defend itself against infection. By listening to jazz, or the second-best type of music- dance music, your antibody levels will rise while cortisol, a stress hormone, decreases. A body in a restful state has a much better chance of coming back into balance from a cold than when it is stressed.


Protect Yourself — and Your Money — From Scams

It seems like you can’t turn on the TV news or visit your favorite news website without seeing yet another story about financial scams. According to the FBI, seniors lose more than $3 billion every year to con artists.

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Balsamic Cranberry Roast Chicken

This balsamic cranberry roast chicken recipe is completely hands-off and oh so seasonal.

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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