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YOUR FINANCIAL ADVOCATE 24 SEPT
I’VE REACHED LEVEL 59
Moving Up in Life
I’m turning 59 this month! It’s an age when many people begin to see retirement on the horizon. On that note, I’d like to mention that 59½ is a significant milestone, especially for those with 401(k) accounts. At this age, the rules around withdrawals start to shift, giving you more options and flexibility. If you haven’t already, it’s a good idea to familiarize yourself with the 59½ rule and explore what it means for your retirement planning.
crossed that computers wouldn’t crash on us because many of our programs only relied on the final two digits of four-digit years, and the year 2000 was essentially indistinguishable from 1900? Times have certainly changed, and we have all reached brand new levels. So, here I am, hitting level 59 in the game of life. Life really is like a video game: You start with some energy, and as you go along, you find things that either boost your energy or drain it. You face challenges along the way, and when you overcome them, you get to advance to the next level.
As I hit 59, I reflect on something I heard on a podcast that really resonated with me. The host mentioned that at the age of 59, he was going to stop referring to the number as an age, but rather as reaching the next level, such as in video games.
“Life really is like a video game: You start with some energy, and as you go along, you find things that either boost your energy or drain it.”
By the time I reach level 65 on Sept. 30, 2030, my big “boss” that I want to beat is hitting my March to a Million — being able to say with confidence that I have positively impacted a million families and helped them save billions of dollars from unnecessary risk and loss. As I see what the next six levels look like for me, we have added to our team this year to exponentially increase my reach while
Do you remember when we were all worried about Y2K and kept our fingers
preserving the ability to maintain the amount of energy needed to succeed at that level and move to the next one.
As I hit level 59 at the end of this month, I look forward to the challenges I may encounter on my way to level 60 and beyond. As I move on to level 60 and beyond, it’s my intention to reach level 150. So, in terms of levels, we are flipping the script based on my age. I have no shame in my age — only pride in the wisdom, experience, and memories I’ve gained along the way. There is no more counting down; I’m only moving up, amplifying my energy, and moving closer to my goals
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TIM TUSCHINSKI, FINANCIAL ADVISOR STAFF SPOTLIGHT:
Tim started working with Advocate Wealth Solutions in February of 2024. On a daily basis, he meets with prospective clients online to discuss their needs, concerns, and financial goals. A proud alumnus of Jacksonville University, Tim holds a degree in finance and earned an MBA with a focus on finance and public policy from the Naval Post-Graduate School. Before working with Advocate Wealth Solutions, Tim’s career took flight in the Navy as an F/A-18 fighter pilot. His life was marked by several combat deployments while balancing the joy of a blossoming family. Later, he took on the role of an Aerospace Engineering Duty Officer, expertly managing cutting-edge Navy
technology for 14 years. Leveraging his financial management and engineering backgrounds, he decided to fuse his personal finance fervor into a bespoke service for others in the wake of his 23- year naval tenure. Tim and his wife, Michelle, who’s not just a savvy attorney but also the light of his life, have been married since 2005. Now a veteran, Tim resides back in his home state of Florida, basking in the tranquility that comes with living by the sun-kissed shores and a community he loves. As parents to three vibrant boys and an adorable daughter, Tim and Michelle’s lives are a delightful whirlwind of athletics, school activities, and heartfelt service in their parish’s ministries.
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What is the foundation of a healthy financial life? For some, it’s a comfortable savings. For others, it’s the ability to spend without worry. However, the true key to a healthy financial life is financial literacy. Financial literacy refers to the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. Being financially literate enables you to make informed decisions and avoid common financial pitfalls to achieve your financial goals. While financial literacy is extremely important, many people struggle with it, which can lead to poor financial decisions, debt, and financial stress. Your Path to Confident and Smart Money Choices Financial Literacy:
you know how to manage your finances properly, you’re less likely to feel overwhelmed by money problems, which will likely lead to a more balanced and less stressful life.
WHY IS FINANCIAL LITERACY IMPORTANT?
Informed Decision Making Financial literacy empowers you to make informed decisions about your money. Whether you’re deciding how much to save, where to invest, or how to manage debt, having a solid understanding of financial concepts allows you to carefully weigh your options and choose the best course of action. Debt Avoidance Those who are financially literate are more likely to understand interest rates, the cost of borrowing, and how to manage repayments. This knowledge helps avoid unnecessary debt and effectively manage existing debt. Wealth Building Financial literacy helps you understand how to budget, save, invest, and plan for the future. With the right knowledge, you can make your money work for you, rather than constantly worrying about making ends meet. Stress Reduction Money-related stress is a common issue, but financial literacy can help alleviate this. When
HERE’S HOW TO IMPROVE YOUR FINANCIAL LITERACY.
Educate Yourself Take advantage of countless resources available online, including blogs, podcasts, and courses that cover the basics of personal finance. Books like “Rich Dad Poor Dad” by Robert Kiyosaki and “The Total Money Makeover” by Dave Ramsey may be great starting points. Use Financial Tools Budgeting apps like Mint or YNAB (You Need A Budget) can help you track your spending, while investment platforms like Betterment or Robinhood can teach you the basics of investing. Seek Professional Advice If you’re unsure about certain financial decisions, consider seeking advice from a financial advisor to help provide personalized guidance and create a plan that works for you.
SUDOKU
DELICIOUS CHICKPEA CURRY
Packed with protein and fiber, this chickpea curry is a flavorful, plant-based option perfect for any diet.
INGREDIENTS
2 tbsp olive oil
1 tsp ground turmeric
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1 onion, diced
1 15-oz can chickpeas, drained and rinsed
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2 garlic cloves, minced
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1 14-oz can diced tomatoes
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2 tbsp curry powder
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1 cup low-sodium vegetable broth
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1 tsp ground cumin
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Salt and pepper, to taste
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1. In a large pot over medium heat, add the olive oil. 2. Add the onion and garlic and cook until softened, about 5 minutes. 3. Add the curry powder, cumin, and turmeric and stir to combine. 4. Add the chickpeas, tomatoes, and vegetable broth and bring to a simmer. 5. Reduce the heat to low and simmer for 20 minutes, stirring occasionally. 6. Season with salt and pepper to taste. DIRECTIONS
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YOUR FINANCIAL ADVOCATE A publication of Advocate Wealth Solutions, blending original and curated content, and is intended to educate the general public about investing, finance, estate planning, personal injury, and small-business issues. It is not intended to be legal or financial advice. Every situation is different. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.
INSIDE
Unlocking Levels, Year by Year PAGE 1
Staff Spotlight: Tim Tuschinski
Our Podcast
Client Appreciation PAGE 2
Financial Literacy Is the Cornerstone of Wealth Building
Delicious Chickpea Curry PAGE 3
Beyond Big Ben and Buckingham Palace PAGE 4
From Tea to Tombs EXPLORE LONDON’S QUIRKY CORNERS
this aromatic beverage than Twinings Tea Shop. Opened in 1706, the shop quickly became known for having the finest teas around and continues to serve tasty cups. Twinings has been the official tea supplier to the royal family since 1837, and its original logo remains on the building. HIGHGATE CEMETERY If you want to see the city’s spookier side, the Highgate Cemetery is one of the most impressive of London’s “Magnificent Seven” park cemeteries. The Victorian Gothic-style tombs and buildings were built in 1839, and it has a history of vampires, too! Multiple Hammer horror films were shot there in the 1970s, and two magicians famously challenged each other to find and kill a vampire there around the same time. Neither was successful, but it remains a popular site for lovers of the paranormal and the occult.
THE FIRST PUBLIC DRINKING FOUNTAIN London is home to perhaps the most fascinating water fountain in the world. This simple granite basin, built in 1859 and adorned with the words “Replace the cup,” was the first public water fountain. Before then, water was precious, monopolized by water companies, rare to come by, and undrinkable. As people pushed for public access to water, a philanthropist named Samuel Gurney created this fountain, attached to the gates of the St. Sepulchre- without-Newgate Church on Holborn Hill. It became an instant hit. An estimated 7,000 people would stop for a drink daily when it first hit the scene. The city has many hidden treasures, whether you hope to catch a vampire in one of London’s historic cemeteries or sip on a culturally esteemed drink.
Big Ben’s massive clock face, London Bridge’s walkway, and Buckingham Palace — London is known worldwide for its many historic landmarks. But tucked into all its layers of culture are truly unusual and lesser- known attractions to explore. So, brush up on your Monty Python, pack an umbrella for London’s rainy days, and set a course for the most unique experiences England’s capital has to offer. TWININGS TEA SHOP A trip to London wouldn’t be complete without tea time, and there’s no better place to explore the city’s historic love affair with
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