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FINANCIALLY FOCUSED

February 2023 Newsletter


708.479.8771
www.dowlingretirement.com
 

 



Ready or Not...

We’re getting closer to everyone’s favorite time of the year! While the number of processed refunds had increased this past year, the average refund amount had decreased. How can you decrease your tax burden and increase your refund this tax season? Discover money-saving tax tips by meeting with your financial advisor before it’s too late. BONUS: See a list of the most (and least) tax-friendly states in America by reading here.
 
focus photography of person counting dollar banknotes
 

How Much Cash Should I Have on Hand?

 

Given that we’re increasingly becoming a cashless society, the question of how much cash we should keep on hand is difficult to answer.

A U.S. News and World Report article, How Much Cash Should I Keep on Hand, has some insights that may help you determine how much money you should keep in your home and in your pocket when you’re running errands or shopping.

 

Read More
 

 


Birds Have the Most Monogamous Couples

 

Our feathered friends are known for their elaborate mating dances and rituals, and that’s not just for show – most of these love-birds mate for life. Up to 90% of bird species stick to the same partner each breeding season. For mammals, it’s only about 5%, and Sea creatures and reptiles are seldom monogamous, but there are exceptions. Notable examples include: swans, bald eagles, Atlantic Puffins, grey wolves, Eurasian beavers, Australian seahorses, and Hawksbill sea turtles.
 

 

Debt Optimization Strategies

 

To help improve your financial situation, you might consider reducing your debt. Before starting any debt payoff strategy (or combination of strategies), be sure you understand the terms of your debts, including interest rates, payment requirements, and any prepayment or other penalties.

 

Read More
 

 

Sugar Cookie Bark

 

This sugar cookie dough bark is a combination of candy and cookie dough! Sugar cookie dough is transformed into a delicious white chocolate cookie bark with the festive colors of sprinkles – it’s the ultimate sugar rush!

 

Get Baking!
 

Now Available

A GUIDE TO GETTING YOUR HOUSE IN ORDER

  

 

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!
 

 

Like us on Facebook or follow us on Instagram!

Did you know that Dowling Legacy & Retirement is on social media? Stay up-to-date on valuable market and industry news.
 
https://storyteller.travel/animals-that-mate-for-life/

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.
 
 
 

Karen Prescia Dowling
© Dowling Legacy & Retirement
10727 Winterset Drive Orland Park, IL 60467
Ph: (708) 479-8771
Email: karen@dowlingretirement.com
Web: www.dowlingretirement.com

 
 

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