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January 2023 Newsletter




How to Make Your Money Last

It’s perhaps one of the most common questions that retirees ask financial services professionals: How do I make my money last a lifetime?

An AARP article, 5 Tips to Make Your Money Last a Lifetime has some recommendations that many of you may find useful.


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January Was Known as Wolf Month

The ancient Anglo-Saxons called January Wulf monath (literally “wolf month”). And it was given that name because wolves often came into the villages searching for food in the heart of winter. Not surprisingly, the first full moon of the year was then named after howling wolves and today is known as Wulf Moon.



Three Stretch IRA Alternatives

The passage of the SECURE Act in 2019 effectively eliminated the stretch IRA, an estate planning strategy that allowed an inherited IRA to continue growing tax deferred, potentially for decades. Most nonspouse beneficiaries, including children and grandchildren, can no longer stretch distributions over their lifetimes.

You may be looking for alternative ways to preserve your wealth and pass it on to your beneficiaries. Here are three options you might consider.


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Creamy Three Cheese Skillet Mac n' Cheese

This mac and cheese recipe is for those of you that love a very creamy, cheese loaded sauce. It's actually not baked at all, but cooked in a skillet and ready for your family in minutes. When we are too tired to think about dinner in the winter months, it's mac and cheese to the rescue!


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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