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FINANCIALLY FOCUSED

September 2023 Newsletter

708.479.8771
www.dowlingretirement.com

A Beginner's Guide to Inflation

A June 2023 Forbes article, The Price is Right: U.S. Inflation Hits Two-Year Low in May a combination of higher interest rates, easing supply chain challenges, and more restrictive credit has helped ease inflation in 2023. As of this past May, the annualized rate of CPI inflation declined for the eleventh consecutive month.

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Why the American School Year Starts in Fall

The short answer is farming. Back in the day, rural families needed the children at home to help with harvesting the crops, so school would be put on hold for the colder months. In the cities, however, school essentially ran all year with a few short vacations throughout. Their school years ranged from 251 to 260 days. It wasn’t until 1852 that Massachusetts became the first state to enact a compulsory public education law, meaning parents who didn’t send their children to school year-round were fined. Shortly after, a compromise was made between urban and rural school systems to run at the same time.

Coming in 2024: New 529 Plan-to-Roth IRA Rollover Option

In December 2022, Congress passed the SECURE 2.0 Act. It introduced two new rules relating to 529 plans and student debt that will take effect in 2024. The first provision allows for tax- and penalty-free rollovers from a 529 plan to a Roth IRA. The second provision allows student loan payments made by employees to qualify for employer retirement matching contributions.

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Apple Cider Chicken

What’s happening in the pan: apples caramelizing; juicy chicken searing; apple cider bubbling; rosemary making your whole kitchen smell like fall. This apple cider chicken skillet is a healthy, simple meal takes just ONE PAN and is ready in 30 minutes.

Get Cooking!

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://www.rd.com/article/why-school-year-starts-fall/

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 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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