Federal Benefits Made Simple - March 2026

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Federal Benefits Made Simple, an E.A. Buck Company (FBMS), is an independent financial services firm helping individuals create retirement strategies using a variety of insurance and investment products to custom suit their needs and objectives. Insurance products are offered through the insurance businesses FBMS and E.A. Buck Financial Services. FBMS is an Investment Advisory practice that offers products and services through Buck Wealth Strategies (BWS), a Registered Investment Advisor. Registration as an investment adviser does not imply a certain level of skill or training. Securities offered only by duly registered individuals through Madison Avenue Securities, LLC (MAS), member FINRA/SIPC. FBMS is not affiliated with or endorsed by the US government or any governmental agency. MAS is not affiliated with FBMS, E.A. Buck Financial Services, or BWS. FBMS, E.A. Buck Financial Services, and BWS are affiliated by common ownership. In California, we are known only as E.A. Buck Insurance in all solicitations of insurance. CMP-65634 - 2/26

INSIDE THIS ISSUE page 1 Lessons in Integrity You Can’t Learn From a Textbook page 2 Pack Like a Pro and Say Goodbye to Suitcase Overload Give Your Employees the Tools to Thrive page 3 Downsizing to a Tiny Home Can Save Your Retirement Hopes St. Patrick’s Emerald Rain page 4 3 Essential Strategies From Norway to Boost Your Daily Life

Find Your ‘Velvære’ Through Nature, Community, and Coziness THE ART OF SLOW LIVING

According to the World Happiness Report, Norway consistently ranks in the top 10 happiest countries in the world, whereas the U.S. has ranked in the high teens for years. We can’t emulate everything Norwegians do to remain happy, but they do offer a unique strategy Americans can utilize to maintain a positive outlook on life. Velvære is the Norwegian word for the state of well-being, which can be achieved by adopting the Nordic concept of slow living.

the Norwegian way of life, which directly impacts their happiness! Dugnad As we already know, community and belonging have a significant role in our happiness. Dugnad is a Norwegian activity all about helping and supporting one’s community. Whether through doing volunteer work, cleaning up public spaces, or raising money to support local causes, finding ways to help others provides more value to your life and helps your heart stay happy. Koselig How do you describe your everyday sense of being? Do you experience your life as chaotic, calm, or consistent? Koselig is the idea of incorporating coziness into all aspects of your life. When you carry yourself with a sense of warmth and comfort, you feel better and spread happiness everywhere you go.

Here are three strategies straight from Norway to help you reach velvære .

Friluftsliv While friluftsliv may look like something found in a medical textbook, it refers to the Norwegian concept of open-air living and outdoor recreation. Norwegians spend ample time outside, regardless of the season. They ski, cook, and walk in nature. The outdoors plays a huge role in

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