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Now is the time to prepare for your retirement; decreasing interest rates are bad for retirement. Get your Panic Proof Retirement Plan and lock in more monthly income!
844-44PANIC | PanicProofRetirement.com | October 2025
A RETIREMENT POWER PAIR ANNUITIES + IRAS
Special Benefits With an annuity, you can gain a safe, secure income stream for the rest of your life, or for whatever term you choose. Annuities also may offer principal protection, guaranteeing you won’t lose any of your original investment. If you choose, some annuities can potentially double your income stream if you need to pay for long-term care in the future. If you purchase an annuity with savings from an IRA, that is a tax-free event. You simply transfer the funds from your IRA to the insurance company, and the insurance company will create an Individual Retirement Annuity in your name. This is called a qualified annuity because the funds can grow on a tax-deferred basis. But there are tradeoffs. Investors who purchase annuities lose some of the growth potential the stock market offers. However, an individual retirement pension offers several offsetting benefits. Beyond a guaranteed lifetime income stream, it may include principal protection, ensuring you will never lose your initial investment, and help with long-term care costs. Of course, if the funds you invest in the annuity have never been taxed, your income stream from the annuity is fully taxable — like any direct withdrawals from your IRA would have been. If you withdraw funds from a Roth IRA to purchase a new annuity, the insurance company creates a Roth annuity. Any income stream or withdrawals from that annuity are tax-free, as long as you follow the rules governing Roth IRAs. (If you fund your annuity with money from a regular brokerage account, taxation can range widely.)
Most people think of stocks and mutual funds as the main investments to hold in an Individual Retirement Account (IRA). That’s understandable, since mutual funds and stocks have made up the biggest share of IRA holdings since Congress invented these tax-deferred savings accounts 50 years ago. Weary of stock-market volatility and economic uncertainty, however, a growing number of older adults are looking for more stable investments that offer a guaranteed income and tax-deferred growth. Many of these investors are turning to annuities. Did you know you can hold an annuity inside an IRA? Annuities are just like any other investment you might hold inside a Traditional IRA or Roth IRA — comparable to a stock or mutual fund. This investment option keeps the same tax advantages as your Traditional IRA or Roth IRA holdings, but also can deliver the special benefits certain annuities offer. An individual retirement annuity can be a super-powerful option for investors in uncertain economic times.
We have helped many clients achieve financial security in retirement by including annuities in their IRAs or Roth IRAs. Call us today for a free
consultation to consider your options in person, via Zoom, or by phone. We will gladly help you create a secure, panic-proof portfolio tailored to your needs.
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EMPTY NEST, FRESH START Smart Housing Moves for Your Next Chapter Fall is a season of fresh starts for teenagers and young adults as they begin college or take a new job. But it brings different challenges for many parents, who may feel abandoned and forgotten in an empty house. A well-known clinical psychologist once said that your child’s life will be filled with fresh experiences, and it’s good if yours is, too! Figuring out what to do with all that space is a promising place to begin. Of course, there is no one right answer, but here are some factors to consider as you determine your best path forward. Lifestyle The letting-go stage often stirs deeper questions of personal identity for parents. How do you see your life as an empty-nester changing? Do you cherish the comfort and familiarity of your current home and community and enjoy having peace, quiet, and extra space to welcome guests? Or have you been yearning for the freedom to travel without the responsibility of maintaining your house? If so, moving to a smaller home or remodeling your current one may best serve your needs.
There’s something very special about the grandchild-grandparent relationship. While parents often must play the role of disciplinarian so their kids stay out of trouble and become the best version of themselves, grandparents get to spoil and pamper the grandchildren. Most grandparents want this relationship to be as strong as possible, but it’s easier said than done, especially if you only see your grandkids a few times each year. Here are three strategies you can implement to strengthen your relationship with your grandchildren while allowing you to make memories to last for the rest of their lives. MEANINGFUL WAYS TO CONNECT WITH YOUR GRANDKIDS Create Memories That Last
Health No one wants to think about potential declines in their health, but laying the groundwork now to meet changing needs can avert
untold hassles and expenses in the future. Is your current home easy to navigate? Is it free of stairs, narrow hallways, or small bathrooms? If such obstacles would make it difficult for you to live there as you grow older, renovating your home or moving to an age-appropriate residence may be wise. Finances Any decision about keeping, remodeling, or moving out of
Take advantage of holidays. The holiday season is a time for families to get together, participate in time-honored traditions, and share their love for one another. Make sure you set aside time for your grandkids. Show them your favorite holiday movies, encourage them to help cook a few dishes, and involve them in your traditions and activities. Once you establish these activities, pay attention to how your grandchildren react. If they enjoy them, do it again next year!
Prioritize outings over gifts. Take a second to think about the best gift you received during your childhood. Now, imagine the best trip, vacation, or family outing you had as a kid. Which memory is stronger? You likely can’t even remember a specific gift you received, but those memories of trips to the zoo, beach, or mall have remained strong. Instead of spending hundreds of dollars on gifts, consider taking your grandchildren out for an evening together. Do what they want to do. To put it simply, your grandchildren will only get so much enjoyment participating in your favorite activities or regular routine. Figure out what they like and participate in those activities right alongside them. They’ll never forget the day they saw grandma ride around in a go-kart, grandpa win the big prize at the arcade, or their grandparents adding the finishing touches to an art masterpiece!
your present home involves financial tradeoffs. Staying in place allows you to build more equity in your home, but it bypasses the opportunity to cash out and invest
the money elsewhere. Remodeling or updating your home imposes upfront costs but could increase its future value. And while trading down to a smaller home may reduce your utility, insurance, tax, and mortgage payments, it also may impose other unforeseen costs, such as homeowners’ association fees. As these tradeoffs show, every empty-nester’s dreams and circumstances are different. Only you can decide the right moves for you!
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The Mental Shift Behind Better Eating You Need a New Dialogue, Not a New Diet
A better spin? “I have habits I’m ready to upgrade.” Now you’re someone on a mission, not someone stuck in shame.
You’ve tossed the junk food. You’ve Googled “healthy recipes.” You’ve sworn off dessert … again. But despite your best intentions, your late-night snack turns into a secret sugar rendezvous. What gives? It’s not your willpower. It’s your mindset.
Then there’s the emotional trap: “Eating makes me happy.” Spoiler: It doesn’t. It gives you a sugar rush and a dopamine blip, but that’s not joy; it’s a high. Repeat this thought instead: “Food can comfort me in the moment, but real happiness comes from deeper places.” Now you’re seeking peace, not pie. Do you feel out of control and think, “I can’t stop eating” ? Yes, you can. You own your arms, your fork, and your next move. Remind yourself: “I may want more, but I choose when to stop.” That’s strength and autonomy. And when you slip? Don’t spiral. Instead of “I shouldn’t have,” ask: “What can I learn for next time?” Growth is always on the table; you just have to reach for it. So, yes, eating well starts with vegetables. But thriving? That starts with your thoughts. Flip your mindset, and you won’t just eat better; you’ll feel better, too.
Healthy eating has less to do with your stomach and more with what’s happening between your ears. The beliefs you carry about food, those quiet little thoughts that zip through your brain unconsciously, are the real drivers of your habits. Take this classic thought: “I have to eat healthy all the time.” Sounds noble, but it feels like a punishment or a need for perfection, which is exhausting and unsustainable. Every time you think this, try swapping it with: “I get to choose how I nourish myself.” That simple shift puts you back in the driver’s seat, steering you toward empowerment, not burnout.
Or maybe you’ve told yourself, “I have terrible eating habits.” That’s not a fact, it’s judgment.
Extra-Crispy Ranch Chicken Cutlets
Take a Break
Inspired by TheCookieRookie.com
Ingredients • Olive oil • 4 boneless, skinless chicken breasts • Kosher salt and freshly ground black pepper, to taste • 3/4 cup flour • 2 large eggs, beaten
• 1 cup panko breadcrumbs • 1/2 cup freshly grated Parmesan cheese • 1 oz ranch seasoning, store-bought (1 packet) or homemade • Cooking spray
Directions
1. Preheat oven to 375 F. Grease a 9x13-inch baking pan with olive oil and set aside. 2. Season both sides of chicken breasts with salt and pepper. 3. Set out three shallow bowls. In the first, combine flour and a pinch of salt and pepper. Add the eggs to the second bowl. Mix panko, Parmesan, and ranch seasoning mix in the third bowl. 4. For coating, dip seasoned chicken breasts in flour, coating both sides. Then, dip the chicken in the beaten eggs and, finally, the panko mixture. 5. Place each coated chicken breast in the prepared baking dish. 6. Spray the tops of the chicken with cooking spray. 7. Bake for 30 minutes, or until the chicken reaches 165 F and is golden brown.
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
The information published in this newsletter is educational in nature and is not intended to be a recommendation to sell or purchase an annuity or any specific insurance or financial product. You are strongly urged to consult with financial planning, tax, and legal advisors to determine if an annuity is suitable in your financial situation. The income doubler is not meant to replace Long Term Care insurance.
40900 WOODWARD AVE., STE. 150 BLOOMFIELD HILLS, MI 48304
INSIDE
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Securing Your Nest Egg With IRA-Held Annuities
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Downsize, Redesign, or Stay Put? Housing Tips for Empty Nesters Be the Grandparent They’ll Never Forget Stop Sabotaging Your Plate and Start Rewriting Your Thoughts Extra-Crispy Ranch Chicken Cutlets
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Tasty Fixes for a Happier You
SWEET BITES THAT BRIGHTEN YOUR DAY Do you ever get “hangry” when you miss a meal or feel like a warm bowl of something delicious would elevate your entire day? It turns out that food does more than just soothe a growling tummy; it can lift your spirits. Certain healthy foods contain natural mood boosters like dopamine, serotonin, and GABA, which can chase away stress in the most tasty way. Get ready to load your plate with feel-good ingredients that fuel the body and mind. You’re one delicious bite away from feeling calmer, more focused, and happier. Fermented Foods A happy gut means a happy life, and fermented foods like kimchi, yogurt, and sauerkraut are excellent sources of good probiotics. Fermentation creates live microorganisms that ensure you have the right amount of healthy bacteria in your digestive system. They can also increase serotonin levels. Researchers are increasingly finding that the gut microbiome plays a significant role in regulating depression and overall wellness. Food for Thought (and Feelings)
Berries Eating more fruits and veggies has long been linked to lower rates of depression, thanks to their inflammation-fighting antioxidants. Berries, in particular, are a sweet option for snacking your way to joy. These powerful little
Dark Chocolate If you have a sweet tooth, here’s your excuse to treat yourself to chocolate. Dark chocolate contains mood-elevating compounds like polyphenols, vitamins, and flavonoids. Its antioxidant properties are known to reduce stress and keep your cells healthy. Dark chocolate also supports the critical connection between gut health and mental health, changing the bacterial composition in the intestines, which studies have found can reduce negative emotions. Just be sure to eat it in moderation because it’s a high-calorie food.
fruits have many compounds known to combat stress. Blackberries, for example, are high in vitamin C, which can help lower anxiety, and fiber, which helps keep your energy levels up. So, next time you’re feeling stressed, reach for a snack that feeds your mood. Whether it’s a square of dark chocolate, a spoonful of yogurt, or a handful of berries, these foods prove happiness is just a meal away.
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