Two old seniors in nature on rainy day holding umbrella
April 5, 2024
Written By:
Brian Goldman
Retirement Specialist, Financial Adviser

April 2024 Newsletter

Welcome to our April newsletter, where both physical and financial health take center stage. This month, we delve into how often you should see your doctor, how to create an effective retirement strategy and as always, a delicious recipe for an on-the-go Spring snack.

How Often Should You See Your Doctor?

Experts say seniors between 65 and 70 years old should visit their doctor at least once a year. Preventative care is also critical to catch issues early before they get worse and cause more symptoms.

Of course, as you age, recommended doctor visits may increase.

Seniors in their seventies should visit their doctor at least twice a year, while seniors in their eighties and above should visit the doctor at least three times per year. (Stellar Transportation).

Generally, there is no copay for routine doctor visits with Medicare.

Your Retirement Strategy

Regardless of what you want to achieve in life, having a well-thought-out strategy for retirement is vital.

It’s to your advantage to know where you want to go and how you’re going to get there.

This kind of thinking is especially important when it comes to planning your retirement. I can help you put an effective plan in place.

Together, we’ll create a retirement strategy that’s manageable, and most importantly — realistic.

It’s never too late to plan for retirement! Let’s talk about income needs, life insurance — Medicare and Social Security, too. Contact me anytime for more information.

There’s no need to leave anything about your retirement to chance. We can build a foundation for the stress-free retirement you’ve dreamed of.

When is FULL Social Security Retirement Age?

Full retirement age is the age at which you receive 100% of your monthly Social Security benefit. According to Social Security, full retirement age is 66 if you were born from 1943 to 1954. The full retirement age increases gradually if you were born from 1955 to1960 until age 67. For anyone born 1960 or later, full retirement benefits are payable at age 67.

Before You Exercise…

No question, as you age, exercise is good for your physical and mental health.

But did you know it’s important to warm up before exercising? Experts say warmups can help prevent injury and improve performance. Here are some warmups experts suggest.

Shoulder Rolls

Stand with your feet hip-width apart and arms relaxed at your sides. Without using your arms, lift your shoulders toward your ears. Circle them back, down, and around. Do 10 shoulder rolls. Repeat in the opposite direction.

Arm Circles

Stand with your feet hip-width apart. Extend your arms to your sides at shoulder level with palms facing down. Swing arms forward in a circular motion for 30 seconds, then backward for 30 seconds. Focus on keeping your shoulders down and back and maintain a very slight bend in your elbows. Continue for one minute.

Remember, think safety first. Tell your doctor about any changes to your exercise routine.

Good Taste, Good Health

No-Bake Blueberry Almond Energy Snacks

Plan for outdoor fun with healthy, energy-boosting, no-bake, easy-to-make, and easy-to-take-anywhere snacks.


  • 2/3 cup finely chopped raw almonds (or roasted, salted almonds for a sweet-and-salty almond flavor)
  • 1/3 cup dried blueberries (or sweetened dried cranberries, dried cherries, dried chopped apricots, raisins, or dates)
  • 1-1/4 cup old-fashioned oats
  • 1/2 cup almond butter (or peanut butter)
  • 1/4 cup honey
  • Optional: 1/4 tsp Kosher salt

DIRECTIONS: Stir together all of the ingredients in a medium bowl to make a thick, sticky batter. Using a small ice cream scoop or spoon, shape and roll into round balls. Place on a rimmed baking sheet. Keep your hands damp with water so that the mixture doesn’t stick to your fingers, and it’s easy to roll into balls. Chill in the refrigerator for at least 1 hour before serving. You can store it in an airtight container in the fridge for up to one week.

SOURCE: The Seasoned Mom


April 2, 1513, Spanish explorer Ponce De Leon sighted Florida and claimed it for Spain after landing at the site of present-day St. Augustine, FL.

After a break of 1500 years, the first Olympics of the modern era was held in Athens, Greece, starting April 6, 1896.

April 12, 1861, The American Civil War began as Confederate troops under the command of General Pierre Beauregard opened fire on Fort Sumter in Charleston, SC.

The Library of Congress was established on April 24, 1800.

SOURCE: The History Place

April Birthdays: Booker T. Washington (April 5), Dennis Quaid (9), America Ferrera (18), Queen Elizabeth II (21)

SOURCE: Famous Birthdays

Senior Financial Glossary

A waiver of premium rider for an insurance policy eliminates your responsibility to pay premiums to maintain the policy under certain circumstances.

A weak dollar refers to a downward price trend in the value of the U.S. dollar relative to other currencies.

Wage assignment means taking money directly from an employee's paycheck in order to pay back a debt obligation.

Narrow “AI” — is a type of “artificial intelligence” that is limited to a specific or narrow area of work. (It simulates human thought).

SOURCE: Investopedia

Quote of the Month
“We cannot direct the wind, but we can adjust the sails.”
- Dolly Parton

View Last Month's answers

SOURCE: BrainyQuote©

For information about Medicare or Claiming Social Security, please visit Should you have any questions, please email me at or call 412-897-0760.  

Brian Goldman
Retirement Specialist, Financial Adviser