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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!
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Social Security Crunch Heightens Annuities’ Appeal A Fraying Safety Net
For generations, many American retirees have built their retirement plans, in part, on the government’s giant safety net, Social Security.
The program’s trustees say benefits would have to be cut by 23% in 2033, based on current trends. Those projections could change, of course, depending on how the economy performs and whether Congress acts to shore up the program. But many Americans already doubt they will get their full checks. Those with income from pensions or investments fare substantially better than those who rely solely on Social Security.
This massive program, nearly twice the size of the U.S. military, was never intended to cover the full financial needs of American retirees. The average monthly payment is approximately $2,000, which is less than half of retirees’ average monthly spending of $4,345. And only about 1 in 3 retirees has income from a pension to help fill that gap.
The dilemma calls to mind a quote often attributed to Benjamin Franklin: “If you fail to plan, you are planning to fail.”
Now, the gap is about to widen significantly.
A Port in the Storm Life in retirement can be scary when you are no longer working for pay, your government benefits are shrinking, and you have a declining number of years to grow your investments or recover from any downturns in the financial markets. More than ever now, retirees need a principal-protected investment product that guarantees an income for life, regardless of what happens in Washington or in the financial markets. Many of our clients find that income annuities can be a good fit. These products enable seniors to create their own pensions, guaranteeing stability, simplicity, and a lifetime income. I often work with couples while both are still healthy to put these key assets in place. Many of my clients tell me it’s great to know they can rely on their annuity to continue their spouse’s income for life after the other passes away. If you like the idea of an investment guaranteed to pay you no matter what happens in Washington or in the financial markets, please contact us today for a free, no-obligation retirement checkup. We can help you build a secure portfolio with principal protection and guaranteed income for life.
A Looming Cloud The idea that Social Security is destined to run out of money has long loomed as a cloud on the financial horizon, but that cloud is rapidly moving closer. The date when the program was expected to cut benefits was recently moved up to 2032 from 2035, according to The Wall Street Journal. That’s just two years after the entire Baby Boom generation will have turned 65. Unless Congress acts, that silver tsunami will engulf the government’s biggest program, leaving it underwater and unable to sustain current benefit levels.
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Stop Drowning in Tasks The Secret to a Productive To-Do List
You know that feeling when your to-do list just sits there, staring back at you, growing longer and longer, and yet you’ve barely scratched the surface? We’ve all been there. A to-do list should be more than a laundry list of vague intentions; it should be a practical tool to help you get stuff done. Start by being ruthless with priorities. Instead of dumping everything into one endless list, pick just a few (3–5) top priorities for the day. If you try to do too much, nothing gets done. Keeping the list short provides clarity and energy, allowing you to focus on what matters. Make each item action-friendly. Productivity experts suggest that small, clearly defined tasks are far more effective than vague, open-ended ones. Rather than writing “work on report,” try “draft report outline” or “email Sarah for stats.” When tasks
are concrete and manageable, especially those you can tackle in a few minutes, you’re more likely to actually do them, and the satisfaction of crossing them off becomes real. Break down big projects into bite-size steps. Big tasks are intimidating. If you face a large goal (like “clean the house,” “prepare presentation,” or “plan vacation”), break it into discrete sub-tasks. This makes progress feel tangible and gives you actionable steps instead of a vague, looming project. Use external systems. One powerful idea behind many productivity systems is to get everything out of your head and into a trusted place: your list. When your brain isn’t constantly juggling “remember to do X, Y, and Z,” you free up mental space for actual work. A good to-do list serves as that external memory, giving your mind room to think clearly and stay focused. Don’t be afraid to reevaluate and rearrange. Your list should be a living document, not a permanent scroll. As the day goes by, priorities shift. Some tasks will drop off while others may emerge. At the end of the day (or week), take a few moments to think about what’s still important, what can wait, and what you need to rework. Celebrate the small wins and build momentum. A weird but powerful magic lies in checking off tasks. Each time you cross something off, no matter how small (responding to an email, cleaning a corner of your room, or scheduling an appointment), you give yourself a little boost. That sense of forward motion can carry you further than a perfectly planned list ever could. Possibly the best pro tip is to think of your to-do list like a gentle morning nudge, not a nagging “you must,” but a helpful guide reminding you: “Here’s what you chose to care about today.” When you treat it that way, it starts actually working!
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THE BOOKS MAKING WAVES IN 2026 New Worlds, New Romances, New Thrills
This year is shaping up to be a thrilling one for book lovers, with a lineup of releases that promises everything from heart-pounding thrillers and epic fantasy sagas to swoon-worthy romances and inventive speculative fiction. Whether you’re a longtime fan eagerly awaiting sequels to your favorite series or you’re hunting for fresh voices and new adventures, there’s something on the horizon for every reader. The best part is that some of these have already hit the shelves! Magic and Epic Fantasy “The Ballad of Falling Dragons” by Sarah A. Parker: The highly anticipated sequel to “When the Moon Hatched,” this continuation promises more danger, magic, romance, and dragons. If you loved the first installment’s heady blend of myth and emotion, this will likely pull you back into its world. Release Date: April 28, 2026 “Burn of the Everflame” (“Kindred’s Curse,” Book 4) by Penn Cole: War looms, alliances are fragile, and enemies threaten extinction. For fans SPINACH ARTICHOKE PIZZA
of sweeping fantasy sagas with high stakes and heartbreak, this feels like a true epic. Release Date: July 14, 2026 “Red God” (“Red Rising Saga,” Book 7) by Pierce Brown: This is the next chapter in an intense sci‑fi/fantasy saga. If you crave dystopian worlds, political tension, and cosmic-scale stakes, this might be your jam! Release Date: Jan. 1, 2026 Romance and Contemporary Vibes “The Night We Met” (Book 2 in the “Say You’ll Remember Me” series) by Abby Jimenez: This one sounds like a feel‑good romance with humor, realistic struggles, and the messy, beautiful
circumstance. You can expect tension, banter, and a romance that builds under pressure. Release Date: Feb. 24, 2026 Thrillers and Mystery “The Astral Library” by Kate Quinn: For readers who love a dash of mystery and intrigue mixed with imaginative or historical elements, this one feels like a story where secrets lurk among dusty shelves and old volumes. Release Date: Feb. 17, 2026 “Victorious” (“Villains,” Book 3) by V.E. Schwab: If you enjoy morally gray characters, tension, and stories that don’t promise neat fairy‑tale endings, this could be a darkly compelling pick. Release Date: Jan. 1, 2026
unpredictability of relationships. Release Date: March 31, 2026
“And Now, Back to You” (“Heartstrings,” Book 2) by B.K. Borison: In this “when‑opposites‑attract” story, two meteorologists are thrown together by
Take a Break
Ingredients • 1 loaf frozen bread dough
• 7 oz artichoke hearts, chopped • Several handfuls of fresh spinach • Pepper, to taste
• 2 tbsp garlic herb spreadable cheese • 1 cup shredded mozzarella cheese • 1/2 cup shredded Gruyere cheese
Directions
1. Thaw dough according to package directions and let it rise for 2 hours. 2. Preheat oven to 450 F. 3. Coat a 10-inch cast-iron skillet with non-stick spray, then gently stretch dough to fit. 4. Spread garlic herb cheese evenly across the entire dough layer. 5. Sprinkle mozzarella and Gruyere cheeses evenly over dough, reserving a small amount of each. 6. As the topping, scatter chopped artichoke hearts, followed by a layer of torn spinach leaves, and then the reserved cheeses. Add black pepper to taste. 7. Bake for 15–18 minutes, until the edges are golden brown and crisp.
Inspired by BlueBowlRecipes.com
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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.
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INSIDE
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Retirees Face Widening Income Gap Amid Social Security Troubles
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Turn Your To-Do List Into a Productivity Powerhouse 7 Must-Read Books Already Defining 2026 Spinach Artichoke Pizza Beat Inflammation Without Expensive Supplements
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Fatty fish and omega-3s: Salmon, sardines, and similar fish are rich in omega-3 fatty acids, which are linked to lower levels of inflammatory markers, such as C-reactive protein (CRP). Nuts, seeds, whole grains, beans/legumes: These provide fiber, good fats, and stabilize blood sugar, all of which support a calmer, less inflamed immune response. Spices and herbs (such as turmeric, ginger, and garlic): Compounds like curcumin (found in turmeric) or gingerols have been studied for their anti- inflammatory potential. At the same time, try to limit foods that tend to create inflammation, such as processed meats, refined carbs (white bread and pastries), sugary drinks, and fried foods. Move, rest, and manage stress. Regular, moderate physical activity: Whether it’s brisk walking, cycling, swimming, or yoga, moderate exercise triggers the release of anti‑inflammatory compounds from muscles and reduces fat tissue that otherwise contributes to inflammation. Quality sleep: When your body gets enough restful sleep, it can repair tissues and regulate its immune function more effectively. Poor or inconsistent sleep disrupts this balance, often leading to an increase in inflammatory markers. Stress management: Chronic stress keeps your body in a persistent “on‑edge” mode, releasing cortisol and other substances that drive inflammation. Mindfulness, deep breathing, gentle movement, or even quiet hobbies can help you calm down and reset. Proper hydration: Staying hydrated helps! Water supports digestion, detoxification, and overall cellular health, all of which influence how your body responds to stress and inflammation.
Inflammation is more common than you think. Did you know, according to a 2023 study published on PubMed, that about 35% of U.S. adults show signs of systemic inflammation, an underlying condition linked to heart disease, diabetes, and other chronic illnesses? If that statistic makes you pause, here’s the good news: Reducing inflammation doesn’t necessarily require expensive supplements or drastic lifestyle overhauls. Small, consistent habits in diet, movement, and rest can make a significant difference over time. Eat more whole and colorful foods. Berries and colorful fruits/vegetables: Blueberries, cherries, leafy greens, tomatoes, carrots, and bell peppers are all great. Hidden Inflammation Is More Common Than You Think Fight It With These Tips
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