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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


 

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Latest Blog Post

What Would You Attempt if You Knew You Could Not Fail?

March 13, 2023

This sign has always found a place on display where I can see it nearly every day.  This seemingly simple question can take on much deeper roots. What would YOU do? And how do we move from fearing failure to blazing our own path?

FDIC Insurance & Other Cash Management Options

March 13, 2023

With recent events, now is a great time to review the Federal Deposit Insurance Corporation (FDIC) coverage limits and other cash management strategies available when holding cash in excess of these limits.

Should I be Worried About my Cash at the Bank?

March 13, 2023

Should you be worried? How should you protect your cash? What makes Silicon Valley Bank's situation unique? The sudden collapse of SVB created a lot of anxiety, is this isolated event or something that could spread?

 

Featured Team Member

Brian Worley, CFP®, CPWA®

Schedule with Brian

A fascination with investments is what brought me into this industry, but it’s the relationship with our clients and my coworkers that keeps me motivated and fulfilled.

Terra J. Thurgood, CFP®, CDFA®

Schedule with Terra

I love getting to know our clients through their stories, experiences, and unique circumstances. By better understanding them, I'm able to better serve as a guide through life's many, and often unexpected, transitions.

Jack L. Griffin, EA/LTC

I've been in the financial services industry since 1998 and my extensive experience in tax provides me with a unique ability to provide investment advice in a tax-efficient manner. I reside and service my clients from our branch in Oregon.

Barry T. Watson, CPA, CFP®

Schedule with Barry

I’m at my best when helping clients gain and maintain financial freedom. The demands of a profession, family and purposeful living are hard to balance. Simplifying a complex financial world is the heart of making it work.   

Courtnee Hansen

I will most likely be the first voice you hear on the phone and the first person to greet you at our office.  I'm passionate about building long-lasting relationships with our clients and ensuring their satisfaction with our services.

Shandon Johnson, CFP®

Schedule with Shandon

I joined MWG in 2017 after receiving my BS in Financial Planning from UVU. Finding balance between enjoying the present and strategizing for a secure financial future is my favorite part of working with our clients.

Julie Pos

Throughout my career, I've truly believed that nurturing strong client relationships is the key to building lasting partnerships. I take pride in supporting our team’s efforts to help clients achieve their financial goals.

 

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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.

Information on this web site is directed toward U.S. residents only. The Martin Worley Group is registered as an investment adviser with the Securities and Exchange Commission, and only transacts business in states where it is properly notice filed, or is excluded or exempted from notice filing requirements. Our Customer Relationship Summary (CRS),  Advisor Brochure (ADV) and Privacy Policy can be accessed here.

Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.

Contact

The Martin Worley Group
Office: 801-568-9788
Toll-Free: 800-565-9788
Fax: 801-568-6879

6965 Union Park Center
Suite 420
Cottonwood Heights, UT 84047

info@martinworley.com

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