Stivers Settlement Consultants - December 2025

Less Scrolling, More Strolling THE CASE FOR A DAILY WALK

As the temperatures dip and daylight starts to dwindle sooner in the evenings, staying active often falls to the bottom of the priority list. It’s easy to settle into the routine of indoor comfort with more screens and less movement. However, carving out time for a daily walk, even in the chillier months, is a simple and effective way to stay physically and mentally sharp.

thus increasing the calorie burn of even a casual stroll. That quick burst of movement in the cold can also boost circulation, improve energy levels, and clear mental fog, especially if you’ve been sitting at a desk for most of the day.

Create a cozy routine you look forward to. One of the best ways to stay consistent

Fall and winter are nature’s underrated workout months.

during these cooler months is to make your walk enjoyable. Layer up in comfortable gear, choose a playlist or podcast you love, and set a daily reminder to step outside. Whether it’s 10 minutes around the block or a long weekend loop, consistency matters more than intensity. Make it social, rewarding, or both. If you aren’t feeling motivated solo, ask a friend or neighbor to join you a few times a week. If you prefer going alone, add a small reward: a stop for a warm drink, or the satisfaction of checking it off your daily goals list. These little incentives can make your walk something to look forward to.

There’s something calming about a quiet sidewalk covered in fall leaves or a peaceful neighborhood dusted with frost. The colder seasons offer a refreshing and grounding change of scenery. A short walk outdoors allows you to unplug and take in the subtle beauty that’s easy to miss when you’re rushing from one indoor task to the next.

The science of seasonal movement is real.

Cooler air does more than wake you up. It makes your body work harder to stay warm,

When the Case Ends, Our Work Begins THE PARTNER YOU DIDN’T KNOW YOU NEEDED

Most Americans do not think they will experience a potentially life- changing accident or incident that leaves them injured. They don’t imagine they’ll have to go through a lengthy court process to work out the details of their situation. They also don’t expect to receive a large sum of money. However, if they do, they may need help managing it properly. Thankfully, settlement consultants are here to help! Most people don’t know what settlement consultants do because they don’t even know we exist until they need our expertise. Even attorneys tend to think we only have one or two uses, but in reality, we can help with various finance-related tasks and responsibilities, making life infinitely easier for your clients. After you receive a verdict or settlement on a case, you likely give your client their money and move on. You like to think they’ll invest or save the funds, but too often, people spend it as soon as they get it. As settlement consultants and planners, we can help develop a plan that works for their goals, whether it’s assisting them in finding investment opportunities or receiving a structured settlement annuity. By analyzing their situation, we can optimize their path

forward without jeopardizing government benefits or negatively impacting other areas of life. We are here whenever our clients need us and we can find solutions to their concerns. We bring in attorneys to draft trusts or help them with estate planning.

We ask various questions to ensure we build the right plan for them, determining whether they want the settlement to be legacy money for their kids or need it for immediate needs.

We find the best way for them to receive money without experiencing a tax burden. We can even meet during mediation to ensure the defense’s offers are enough for long-term care and other needs.

As you can see, we wear many hats, but overall, we’re here to help your clients with any finance-related questions or concerns.

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STIVERSSETTLEMENTS.COM | (305) 619-9773

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