Retirement Planning Strategies -November 2019

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This does not constitute an offer to buy or sell any security. Investments in securities are not suitable for all investors. Investment in any security may involve a high degree of risk and investors should review all "Risk Factors" before investing. Investors should perform their own due diligence before considering any investment. Past performance and/or forward looking statements are never an assurance of future results. Investment products, Insurance, and Annuity products are not FDIC Insured/Not Bank Guaranteed/ Not Insured by any Federal Government Agency/May Lose Value. Securities offered through Cabot Lodge Securities LLC New York, NY 10281-- Member FINRA and SIPC. Advisory services offered through CL Wealth Management LLC-- SEC registered. Retirement Planning Strategies is not controlled by or a subsidiary of Cabot Lodge Securities LLC or CL Wealth Management LLC

issue INSIDE THIS Our Annual Cookie Exchange PAGE 1 An Elevated Take on Retirement PAGE 2

Spilling the Tea on Tea PAGE 3

Adventure Like a Scandinavian PAGE 4

THERE’S ‘SNOW’ PLACE LIKE SCANDINAVIA Embrace Winter Like a Pro

snowshoeing, to name a few. If your knees can’t take downhill skiing or snowboarding anymore, give Nordic skiing a try. It’s less stressful on your body but still a challenging, fun way to enjoy a beautiful day outside. DRESS FOR WARMTH There’s no such thing as bad weather, only poor gear. The Fins embrace this mentality wholeheartedly by trekking in subzero temperatures. The key is proper layering. Start with warm base layers that retain heat while allowing air to circulate. Skintight spandex isn’t very effective, so try thermal underwear or wool instead. On top of your base layer, add fleece and then down. If you’ll be somewhere with a lot of moisture, make sure your down is synthetic and waterproof. Your extremities get cold the quickest, so keep them warm with a buff, cozy gloves, hats, and wool socks layered as needed. ONE WORD: SAUNA Just because it’s cold out doesn’t mean you need to be, too. A day on the slopes would not be complete without a sauna. In Finland, Sweden, and other Nordic countries, taking a sauna is considered a daily ritual for its purported health-boosting and mood-boosting benefits. Age and Ageing health journal has found evidence linking sauna use to a lowered risk for Alzheimer’s disease and dementia.

Scandinavian countries like Sweden and Denmark have long topped lists of the world’s happiest people. This may seem strange considering these countries can spend half the year in darkness; dusk sets in around 2 p.m. for some Nordic cities in the wintertime. The Scandinavians’ positive outlook on winter likely contributes to their happy demeanors year-round. Instead of looking at the winter months as something to endure, these folks embrace the season and find ways to enjoy it. Here are a couple ways to emulate their attitude. TRY NORDIC SKIING If you’re a seasonal runner but it’s too cold to enjoy your go- to activity this winter, it’s time to diversify. Skiing isn’t the only wintertime option, either. There’s ice skating, ice climbing, and

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