Is Working in Retirement Worth It?

Today, Americans 65 and older are more likely to be working than in 1985. More than 20% are working part- or full-time, and the numbers are projected to continue climbing, according to a recent study.1 Reasons for working longer? There may be a whole spectrum of reasons, but most of it comes down to rising living costs and life expectancy that keeps Americans in the workforce. While working in retirement may not seem ideal to many, continuing to work can offer many benefits that include:

  • The additional income can supplement your current retirement savings and enhance your lifestyle
  • The opportunity to continue contributing to your 401(k) or Roth IRA
  • Increased monthly Social Security benefits up to 132%, if collection is delayed2
  • A boost in social structure and interaction

For many retirees, retirement doesn’t mean stop working. It can be a good idea, provided it’s done for the right reasons. Is a longer employment necessary for you? Work with our team by calling us at 715.808.8981 Hudson Office or 651.414.0016 for our Woodbury Office We can help weigh the pros and cons and determine whether or not it’s suitable for your unique situation.

Cranberry Brie Bites

Made with crescent roll dough, brie, whole cranberry sauce and a sprig of rosemary, these little bites make for the perfect appetizer at any holiday gathering. It’s a super simple recipe that’ll be a hit and will change the way you think about brie.

Here’s what you’ll need:

  • 1 (8- ounce) tube crescent dough
  • Cooking spray, for pan
  • Flour, for surface
  • 1 (8 ounce) wheel of brie
  • 1/2 cup whole berry cranberry sauce
  • 1/4 cup chopped pecans
  • 6 sprigs of rosemary, cut into 1″ pieces


  1. Preheat oven to 375° and grease a mini muffin tin with cooking spray. On a lightly floured surface, roll out crescent dough, and pinch together seams. Cut into 24 squares. Place squares into muffin tin slots.
  2. Cut brie into small pieces and place inside the crescent dough. Top with a spoonful of cranberry sauce, some chopped pecans, and one little sprig of rosemary.
  3. Bake until the crescent pastry is golden, about 15 minutes.

Recipe adapted from Delish3

Backyard Chipping Drills

Take advantage before it gets too cold and practice your chipping right in your backyard. You don’t need to go to the country club to practice this important shot.

One of our favorite drills helps you eliminate the “flick” many golfers do when chipping. All you need to set up is about ten balls and a chipping mat, if you have one (if not, doing the drill on the grass works as well). Simply set up your shot as you normally would, with your front grip (left arm for right-handed golfers, right arm for left-handed golfers) nice and low on the club. Then, you’re going to use a pendulum motion to hit the ball and keep your arm completely straight throughout the whole swing, including the follow-through. This “tick-tock” motion will teach you not to keep your wrist completely straight. Don’t focus on getting rid of the ball; just focus on that motion.

Tips adapted from The Lady Golf Teacher4

Tips for a Meaningful and Healthy Thanksgiving

Thanksgiving is a special time once a year where families and friends gather together to express gratitude for all that we have. And it’s normally accompanied by a lavish feast that consists of countless calories. Here are some tips to help you make the best out of Thanksgiving without derailing your health goals:

  • Exercise before and after you eat. Exercising lowers levels of ghrelin, a hormone that stimulates appetite in the short term while raising levels of peptide YY, a hormone that suppresses appetite.
  • Eat before you “eat”. Don’t skip any necessary meals before your Thanksgiving feast. Otherwise, it’ll make you hungrier and you may end up overindulging.
  • Pick smarter options. Be more selective about what you put on your plate such as choosing white meat over dark, eating more greens, and watching your portions.
  • Hydrate before you eat. Drink plenty of water before your meal to stay hydrated and curb hunger naturally.

Tips adapted from Kirby Medical5

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This document is for educational purposes only and should not be construed as legal or tax advice. One should consult a legal or tax professional regarding their own personal situation. Any comments regarding safe and secure investments and guaranteed income streams refer only to fixed insurance products offered by an insurance company. They do not refer in any way to securities or investment advisory products Insurance policy applications are vetted through an underwriting process set forth by the issuing insurance company. Some applications may not be accepted based upon adverse underwriting results.  Death benefit payouts are based upon the claims paying ability of the issuing insurance company. The firm providing this document is not affiliated with the Social Security Administration or any other government entity.








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