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Retirement Insights for September

News and information for current and future retirees.

You must learn from the mistakes of others. You can't possibly live long enough to make them all yourself.

-Sam Levenson

A senior woman and her adult daughter are laughing on a porch.

September Is Life Insurance Awareness Month

In recent years, the interest in life insurance has increased, with 31% of Americans saying they are more likely to purchase coverage. However, 41% of Americans still lack sufficient coverage. Lack of knowledge about life insurance contributes to the gap, with only 31% considering themselves knowledgeable. Misconceptions about cost and uncertainty about coverage needs are also common. Life Insurance Awareness Month provides resources to educate the public and promote informed decision-making.1,2

During this month, individuals can access insights about life insurance ownership and its role in an overall financial strategy. By increasing awareness and addressing misconceptions, we can help bridge the coverage gap and better position families to manage their financial future. Resources are available to provide insights into the factors influencing life insurance ownership and life insurance's role in financial management. By taking advantage of these resources, individuals can better understand their life insurance needs and take proactive steps toward their family's future.

Factors affecting the cost and availability of life insurance: age, health, type, and amount of insurance. Policies have expenses: mortality and other charges. Surrendering early may result in surrender charges and tax implications. Consider insurability before implementing a life insurance strategy. Policy guarantees depend on the insurance company's ability to make claim payments.

A variety of colorful beans and legumes spread across a table, in serving spoons, and bowls.

Health Tip

Lean “Fuels” May Make Losing Fat a Little Easier.

Trying to burn fat while you exercise? Eating certain carbohydrates might help, particularly those with a low glycemic index load, such as beans, peas, lentils, and oat bran.

A young woman with her eyes closed is leaning against tree in the forest, with trees and sunbeam in the background, enjoying the connection with nature.

The Art of “Forest Bathing”: A Meditative Moment in the Great Outdoors

Shinrin-yoku, or forest bathing, refers to spending time in a forest environment, which has been found to have positive effects on mental and physical health. Research has shown that forest bathing can help regulate blood pressure, activate the parasympathetic nervous system, improve the immune system, and defend against anxiety, stress, and depression. Forest bathing has been recognized in Japan's national health service as an intervention for mental health.

There is no specific way to practice forest bathing, but activities such as walking, standing, sitting, and deep breathing while being mindful of the senses are common. Even a short session of 15 minutes can benefit mental health. Turning off electronic devices and engaging in mindful wandering is suggested by experts. While forest bathing may not solve all problems, it can serve as a means to find emotional stability and inner peace in today's challenging times.3

A statue of Julius Caesar in Rome.

Did You Know?

Julius Caesar created our current calendar.

In 46 B.C., the Roman emperor decreed that a year would begin on January 1 and last 365 days, with an extra day added every four years to reflect the Earth's orbit of the sun properly. Before that, three out of every four Roman years lasted 355 days, while every fourth year lasted 377 or 378 days.

Sam Kaplan walks across the stage at graduation and receives his bachelor degree at the Gas South Arena in Duluth GA.
Sam Kaplan received his bachelor degree at the Gas South Arena in Duluth GA. Credit: Rod Reilly / Georgia Gwinnett College

On the Bright Side

A 72-year-old man named Sam Kaplan recently earned his undergraduate degree in Cinema and Media Arts from Georgia Gwinnett College, becoming the first among his seven siblings to achieve a bachelor's degree. Kaplan's 99-year-old mother cheered him on during the graduation ceremony. Despite the challenges of returning to a classroom setting after many decades, Kaplan formed relationships with his much younger classmates by taking an interest in their academic goals and dreams.4

Brain Teaser

A man walked across the surface of a lake on his own two feet. How did he do it?

It was winter; the lake was frozen.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.

1. Limra.com, July 11, 2023

2. Limra.com, July 11, 2023

3. Decathlon.in, March 2, 2021

4. Portland Japanese Garden, July 11, 2023

4. NBC’s Today, May 29, 2023


 

Latest Blog Post

Weekly Market Insights: Markets Upbeat, Despite Gloomy Inflation Talk

September 12, 2022

In a holiday-shortened week of trading, stocks posted healthy gains despite more tough talk on monetary policy from Fed officials.The Dow Jones Industrial Average rose 2.66%, while the Standard & Poor’s 500 gained 3.65%. The...

Weekly Market Insights: Friday Rally Stems Week of Losses

July 18, 2022

A record-high inflation report, the prospects of a more aggressive Fed, and growing recession fears sent stocks lower– though losses were pared by a Friday rally.The Dow Jones Industrial Average slipped 0.16%, while the Standard...

Weekly Market Insights: Markets Start 2021 on a High

January 19, 2021

Shrugging off COVID-19 infections and the disruption at the Capitol on January 6, stocks powered higher to kick off a new year of trading.The Dow Jones Industrial Average gained 1.61%, while the Standard & Poor’s 500...

 

 ER


AdvisoryHQ uses a multi-step selection methodology for identifying, researching, and generating its list of top ranked firms. AdvisoryHQ’s review and ranking articles are always 100% independently researched and objectively written.


Firms do not pay for their ranking. In fact, most firms do not even realize that they are being reviewed and ranked by AdvisoryHQ until after their reviews have been completed and published to the public. Below is a step-by-step overview of AdvisoryHQ’s methodology process.


Step 1: Using publicly available sources, AdvisoryHQ identifies a wide range of firms that are providing services in a designated area (city, state, or local geographic location).


Step 2: AdvisoryHQ’s review team then applies initial methodology filters to narrow down the list of identified firms/products. These filters include company strengths, trustworthiness, transparency, professional reputation, managed asset, ROI/ROA effectiveness, fee structure, what customers/clients are saying about the organization, and many more.


Step 3: After trimming down the initial list, AdvisoryHQ then conducts a deep-dive assessment of the remaining firms.  
The award criteria takes into account a range of factors, including experience level, level of customization, site quality, resources, features, range of provided services, innovation, value-added, and many more factors, to build up a broad picture of what each firm or product has to offer, before the final selection process occurs.


Step 4: Based on the results of the performed assessment, AdvisoryHQ’s research and selection team then finalizes the list of entities that make it into its top rated publications, which are then published to the general public.


Click here for additional information on AdvisoryHQ’s Selection and Ranking Methodologies.


*Please Note: Limitations: Neither rankings nor recognitions by unaffiliated rating services, publications, media, or other organizations, nor the achievement of any professional designation, certification, degree, or license, membership in any professional organization, or any amount of prior experience or success, should be construed by a client or prospective client as a guarantee that the client will experience a certain level of results if the investment professional or the investment professional’s firm is engaged, or continues to be engaged, to provide investment advisory services. A fee was not paid by either the investment professional or the investment professional’s firm to receive the ranking. The ranking is based upon specific criteria and methodology (see ranking criteria/methodology). No ranking or recognition should be construed as an endorsement by any past or current client of the investment professional or the investment professional’s firm. ANYQUESTIONS: Column’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including the criteria used for any reflected ranking.

 

CLICK HERE TO SEE IMPORTANT DISCLOSURE INFORMATION




SPACE

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. Some of this material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named representative, broker - dealer, state - or SEC - registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

We take protecting your data and privacy very seriously. As of January 1, 2020 the California Consumer Privacy Act (CCPA) suggests the following link as an extra measure to safeguard your data: Do not sell my personal information.

Copyright 2023 FMG Suite.

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Column Capital Advisors
Office: 317-663-6500

9100 Keystone Crossing
Suite 700
Indianapolis, IN 46240

info_cc@columncapital.com

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