Panic Proof Retirement - October 2025

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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.

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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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