Broker Check

9915 Mira Mesa Boulevard, Suite 110, San Diego, CA 92131

(858) 271-1488
jgergurich@prowealthplan.com
Client Logins
Scripps Wealth Management Home
  • Home
  • About Us 
    • About Scripps Wealth Management
    • Our Team
    • Wealth Management
    • Tax Services
    • Business Services
    • Payroll Services
    • Important Website Information
  • Resource Center 
    • Retirement
    • Estate
    • Investment
    • Insurance
    • Tax
    • Money
    • Lifestyle
  • Tools 
    • All Calculators
    • Glossary
    • Tax Resources
    • Videos
  • Events
  • Contact

Retirement Insights for November 2023

News and information for current and future retirees.

Think of all the beauty still left around you and be happy.

-Anne Frank

A woman is sitting on a couch and filling out documents while looking at her tablet.

Key Estate Documents

What documents are most crucial to your estate strategy? A good place to start is with a will, an advance healthcare directive, and a financial power of attorney. Consider keeping these documents secure and letting other family members know where they are located in case of an emergency.

Your will designates who will receive your assets and property after you die. An advance healthcare directive and financial power of attorney specify medical care preferences and appoint someone to manage your finances if you cannot do so.

When reviewing your estate documents, it's also a good opportunity to review your beneficiary designations. Any of a number of family events–marriage, divorce, new child–may prompt you to update your beneficiaries.

While online resources have made estate documents more accessible and affordable, you might consider working with a legal professional who can provide guidance about what type of estate documents may be appropriate in your situation. Also, consider reviewing your estate strategy every three to five years to help keep the documents in step with your life.1

A woman looking at her phone while sitting on a couch next to an open, packed suitcase.

Travel Tip

Read the News Before a New Travel Experience

Are you heading to another part of the country or the world? Check out the local newspaper's website and read what's going on. What you learn will give you a better feel for the place you will soon visit.

A group of people riding stationary bikes in a gym.

Joining a Gym as an Investment in Your Health

Joining a gym can benefit individuals looking to improve their health and well-being. In addition to physical benefits, gyms often relieve stress through activities like yoga and meditation. Many gyms offer discounts and deals throughout the year, saving money in the long run.

To maximize the benefits of regular exercise, set realistic goals. Plan for each workout session while paying attention to proper form and technique. By staying motivated, mixing up routines, and utilizing available resources, regular exercise can become a daily habit that leads to lifelong fitness improvements.

When joining a gym, it is essential to consider factors such as location, amenities, hours, and cost. It is also crucial to know the safety protocols to ensure gym-goers' well-being, such as sanitizing stations and limited occupancy. By committing to invest in your health and choosing the right gym, individuals can enjoy a healthier and more fulfilling life both mentally and physically, now and in the future.2

A close up of a person washing dishes in a kitchen sink.

Did You Know?

Soap doesn't kill bacteria.

In combination, soap, water, and the friction of washing and scrubbing remove bacteria from the surface of your flesh. Bacteria don't die in the process. Instead, it either rinses off with the water or is transferred to a towel or washcloth.3

Bangladeshis thanking Reddit users for their outpouring of support.
Bangladeshis thanking Reddit users for their outpouring of support.
Credit: Bangladesh Relief

On the Bright Side

In February of last year, a man named Michael made a huge mistake while donating to a charity on GoFundMe, accidentally donating $15,041 instead of $150 to the fundraiser. He contacted customer support for a refund, which he learned would take 3-7 business days. Meanwhile, the charity organizer saw his donation. The next day, his story went viral on Reddit and Facebook. The charity organizer sent him videos and pictures of people thanking him for donating. Feeling guilty, Michael donated $1,500 once GoFundMe refunded the original donation. The story gained attention, and the charity received over $118,000 in donations. Michael feels proud of the whole story and how the online community covered his mistake.4

Brain Teaser

The Chandlers have six daughters. Each daughter has a brother. So, what is the minimum number of people in the Chandler family?

Nine people. Each daughter could have only one brother.

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. TheStreet.com, January 31, 2023

2. StrengthSanctuary.com.au, September 5, 2023

3. TodayIFoundOut.com, September 5, 2023

4. NBC’s Today, June 26, 2023


Contact

Office: (858) 271-1488

Fax: (858) 546-3978

9915 Mira Mesa Boulevard

Suite 110

San Diego, CA 92131

jgergurich@prowealthplan.com

Quick Links

  • Retirement
  • Investment
  • Estate
  • Insurance
  • Tax
  • Money
  • Lifestyle
  • All Articles
  • All Videos
  • All Calculators
  • All Presentations

Check the background of your financial professional on FINRA's BrokerCheck.

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.

Advisory Services offered through Capital Analysts or Lincoln Investment, Registered Investment Advisers. Securities offered through Lincoln Investment - Broker/Dealer - Member FINRA /SIPC www.lincolninvestment.com. Scripps Wealth Management and the above firms are independent and non-affiliated. Tax, payroll, legal and Social Security claiming services are not offered through Lincoln Investment , or supervised by, Capital Analysts or Lincoln Investment.

This site has been prepared solely for information purposes is not intended to be a solicitation, offer or sale of securities products or investment advisory services to anyone who resides outside of the United States. Lincoln Investment and Capital Analysts are registered as investment advisers with the U.S. Securities and Exchange Commission and Lincoln Investment is registered as a broker/dealer in all 50 states. The Lincoln Investment Companies and their Financial Representatives may only transact business in a particular state if first registered and only after complying with registration requirements.

When you link to any of the websites provided here, you are leaving this site. We make no representation as to the completeness or accuracy of information provided at these sites. Nor are we liable for any direct or indirect technical or system issues or consequences arising out of your access to or use of these third-party sites. When you access one of these sites, you are leaving our website and assume total responsibility for your use of the sites you are visiting.

Calculators are provided only as general self-help planning tools. Results depend on many factors, including the assumptions you provide and may vary with each use and over time. We do not guarantee their accuracy, or applicability to your circumstance.