Playful grandfather and granddaughters. Doing a pushup with girls on his back.
March 8, 2023
Written By:
Brian Goldman
Retirement Specialist, Financial Adviser

March 2023 Newsletter

Thanks for viewing our March newsletter. Read on below for more information on a major health issue for seniors, an article on retirement and annuities, a tasty recipe, and much more.

Weakened bones: Problems for Seniors

Seniors walking

Osteoporosis can mean serious, long-term health effects for seniors. It weakens the bones to the point that they can break. It can even result in death.

Whether you have osteoporosis can be determined by Bone Mineral Density (BMD), a measure to determine bone weakness. In the United States, an estimated 10 million people aged 50 years or older have osteoporosis. Most of these people are women (Osteoporosis workgroup).

Osteoporosis is called a silent disease because a person may not even know it's there until a facture occurs.

Osteoporosis is not considered curable. However, you can take medication to help treat the disease.

Exercise is recommended by experts. Walking, dancing, running, and resistance exercise, such as lifting weights can help you improve and maintain your BMD.

Medicare will cover BMD testing once every 24 months.

RETIREMENT PLAN with pen and paper

Retirement and Annuities

Are you looking for a safe way to achieve growth for retirement?

You might want to consider a tax-deferred annuity. A deferred annuity allows you to save money for retirement. You make contributions to the annuity, and the money grows tax deferred. So, you don't have to pay income taxes on the growth until you withdraw the money from the account.


Senior woman washing dishes alone

You hear a lot these days about generations living under one roof, whether by choice or necessity.

But that doesn't mean there aren't many seniors living alone.

Nearly one-third of all seniors live by themselves, according to the U.S. Census Bureau. That's close to 14 million seniors aging alone (A Place for Mom).

Nutrition Month

This month is National Nutrition Month.

This annual celebration is on the importance of making informed food choices and developing sound eating and physical activity habits. This year's theme is "Fuel for the Future."

National Nutrition Month started in 1973 as National Nutrition Week

Good Taste, Good Health


In the UK, or the USA, there's something special — mouth watering — about pasties.



  • 3 1/2 cups all-purpose flour, sifted
  • 1 1/2 tsp salt
  • 1 cup shortening
  • 1 cup cold water


  • 1 lb boneless round or chuck steak, cut into 1-inch cubes
  • 2 med potatoes, peeled and cubed
  • 1 med onion, chopped
  • 1 med carrot, diced (Optional)
  • 1/2 cup cubed rutabaga
  • salt and pepper to taste
  • 6 tbsp margarine

DIRECTIONS: Make the Dough: Combine flour and salt in a large bowl. Cut in shortening until mixture resembles coarse crumbs. Stir in water until dough comes together. Shape into a ball, wrap in plastic. Refrigerate for 30 min.

Preheat the oven to 350°. Line a baking sheet with parchment paper.

Make the filling: Mix meat, potatoes, onion, carrot, rutabaga, salt, and pepper in a bowl until well combined.

Remove dough from the refrigerator and divide into six pieces. Shape pieces into balls, then roll into 6-inch diameter rounds on a lightly floured surface. Spread about 1 cup filling over half of each round and dot with 1 tbsp margarine. Fold uncovered pastry up and over filling; crimp edges to seal. Prick with a fork and place onto the prepared baking sheet.

Bake in the preheated oven for 1 hour.


Senior Financial Glossary

An Updated issue is a government bond that has no maturity date, resulting in interest payments that last into forever.

A Unilateral contract is a one-sided contract agreement in which an offeror promises to pay only after the completion of a task by the offeree.

An Unadjusted basis refers to the original cost to purchase an asset Underlying Asset.

An Unamortized bond premium refers to the difference between a bond's face value and its sale price.

SOURCE: Investopedia

Did you know this about March?

  • March 1, 1861, President John F Kennedy established the Peace Corps.
  • March 11, 1918, the "Spanish Flu" reached America.
  • March 19, 2003, The U.S. launched a war against Iraq.
  • March 3, 1933, the Civilian Conservation Corp was founded.

Famous Birthdays

Jon Bon Jovi (March 2), Harriet Tubman (6), Chuck Norris (10), Lady Gaga (28).

SOURCE: Famous Birthdays

Quote of the Month

"You're not famous until my mother has heard of you."
- Jay Leno

A great spring is just ahead!

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