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July 2023 Newsletter



What to Include in Your Retirement Budget

As you prepare for retirement, there are a number of things you can consider when making a budget. A U.S. News and World Report article, 10 Costs to Include in Your Retirement Budget, offers up some useful ideas. Item number one is your housing, which is the largest expense for many retirees. While you may be able to pay your mortgage off before you retire, thus relieving you of a large monthly bill, you may also want to factor in expenses like property taxes, insurance, and maintenance costs.

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Why Do We Call Bald Eagles Bald?

Since Bald Eagles sport a white head of feathers, where did the “bald” moniker come from? It turns out that it was a translation of the old English word “piebald,” meaning “white” or “white-headed.” Additionally, bald eagles don’t acquire these white feathers until they are 4 or 5 years old—with about four stages of feather shedding before that.



SECURE 2.0 Act Expands Early Withdrawal Exceptions

Tax-advantaged retirement accounts such as 401(k) plans and IRAs are intended to promote long-term retirement savings and thus offer preferential tax treatment in return for a commitment to keep savings in the account until at least age 59½. Withdrawals before that age may be subject to a 10% federal income tax penalty on top of ordinary income tax. However, there is a long list of exceptions to this penalty, including several new ones added by the SECURE 2.0 Act of 2022.


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BBQ Chicken Twice-Baked Potatoes

This recipe make a healthy, satisfying, and easy meal. Super flavorful, packed with protein and complex carbs, and are perfect for meal prep!

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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