Monthly News and Information for Current and Future Retirees

Presented by Brower Financial Group – OCTOBER 2021


“The great thing about getting older is that you don’t lose all the other ages you’ve been.”



Are you getting more unwanted text messages on your phone than you used to get? That is partly the result of a good thing – robocalls have declined. Robotexts, however, have increased. As robotexts bilked Americans out of $86 billion in 2020, you want to be wary of even the most innocuous messages coming your way.

The number of robocalls fell by 29% from the end of June to the end of August, partly because the Federal Communications Commission required U.S. phone carriers to adopt Secure Telephone Identity Revisited and Signature-based Handling of Asserted information using toKENs (STIR/SHAKEN) by June 30. This is a blocking technology designed to foil caller ID spoofing (a tactic that 35-40% of robocalls employ). Faced with STIR/SHAKEN, spammers and scam artists have shifted their focus toward texts. If you get what seems to be a robotext, texting back STOP is not the answer. By doing that, you verify your phone number as a target for more robotexts (and your number could end up on a list of targeted numbers that may be sold to other marketers or cybercrooks). Instead, block and report the robotexts to your phone carrier. You can also forward robotexts to the Federal Trade Commission at 7726 (the keypad shorthand for the word SPAM); the FTC will then alert your phone service provider to the robotext.1


Bring basics on board, not the whole closet

Traveling for a week, or less? There’s no need to lug along a closet full of clothes and shoes. Take a pair of black pants and a pair of blue jeans, take clothes that are easily matched, and take 1-2 pairs of shoes.

Source:, September 26, 20212


According to a 2021 Jackson Physician Search survey, 21% of U.S. doctors are considering retirement and another 15% are thinking about getting out of health care and taking their skills or education to a different industry. If your GP does decide to call it a career, how do you find your next doctor?

Your current doctor may simply refer you to another physician in the same practice. That way, you need not worry about insurance or the transfer of your patient records. If you do not care for the recommendation, then the next step is to look for another doctor who takes your insurance. Ask any specialists you see, as they may be able to recommend excellent primary care physicians. If you find a recommended doctor is not accepting new patients, see if you can leverage the influence of the referring primary care physician or specialist, and have that physician ask on your behalf. See if a doctor you are considering is board-certified (check at


By one measurement, a $1 bill goes further than a $5 bill

That measurement is longevity. According to the Federal Reserve, the typical dollar bill stays in circulation 6.6 years before it is destroyed. That compares with 4.7 years for a five-dollar bill.4


The four-day work week, once viewed as a pipe dream, has become a reality at a growing number of larger American businesses. The Society of Human Resource Management says that 15% of employers now schedule at least occasional four-day work weeks.5

About Brower Financial Group

Sound financial planning you can count on.

An organization is only as strong as its roots. For six generations, our families’ Florida roots have guided our approach to life and community service. As a financial partner to hundreds of families and organizations for more than 25 years, we understand what is most important to you.

Brower Financial Group is a premier financial planning firm located in Ponte Vedra Beach, FL serving all of Jacksonville, The Beaches and Ponte Vedra.

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Securities offered through JW Cole Financial, Inc. (JWC), Member FINRA/SIPC Advisory Services offered through J.W. Cole Advisors, Inc. (JWCA). Brower Financial Group and JWC/JWCA are unaffiliated entities. Registered Representatives of J.W. Cole Financial, Inc. whose identities and associations with Brower Financial Group are disclosed on this site, may only conduct business with residents of the states and/or jurisdictions for which they are properly registered.

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This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. 

1 – MarketWatch, September 25, 2021

2 – The Container Store, September 26, 2021

3 –, September 24, 2021

4 – U.S. Federal Reserve, March 9, 2020

5 – Society for Human Resource Management, June 20, 2020