Greetings!
Oh My, Can you believe it; Summer is over and Fall is upon us. Take a few minutes to read and see what's new with us. We have added 2 new associates to our team this year; Sandy, my Executive Assistant, and Kim, our second Commercial Specialist, (besides me). They are both local Chesterland residents. Nationwide is also in the process of converting all of our home and auto policies over to new more efficient  software, so if you received documents and they don't seem right no need to panic, but do call us to address any concerns you have.

We thank you for your trust and continued business.
Wishing you a great fall season. 
Warm Regards, Barb

Securities offered through Nationwide Securities, LLC, member FINRA, SIPC, DBA Nationwide Advisory Services, LLC in AR,FL, IL,NY,TX, CA and WY. Representative of Nationwide Life Insurance Company, affiliated companies and other companies.
Timely Topics
Winter Is Coming!
Winterize Your
Home Now!
Doing a few simple steps now can help you save money in the long run.
  • Change your furnace filter
  • Run ceiling fans in reverse
  • Set fans to a clockwise direction will help make it warmer.
  • Winterize your A/C and Water lines
  • Simply drain any hoses and air conditioner pipes
  • Stop Air Leaks
  • Use calk or weatherstripping to stop leaks and drafts
  • Insulate your pipes


Social Security Facts


Find out how your Social Security benefits-and when you take them- could affect your retirement strategies.
  • Your benefits could be reduced by up to 30% if you start taking them before age 66-67
  • Social Security wasn't designed to to cover all of your income needs; it provides about 40%

Barb can provide you a Social Security Analyzer®. This report is being provided for informational purposes only and should not be construed as investment, tax, or legal advice or a solicitation to buy or sell any specific securities product. You should work closely with your financial professional to develop a plan that incorporates your investment objectives, goals, risk tolerance and time horizons based on your specific situation. This report relies upon the accuracy of the data you provide and is an estimate of the social security benefit you may receive which will differ from the actual benefit amount you receive at the time of application with the Social Security Administration. The information provided is based on current laws which are subject to change at any time. This report has not been reviewed or endorsed by any government agency.
This is our tool which helps us analyze and present your Social Security options.

Contact Barb at 440-729-4042 to discuss your retirement strategy.
Easy 3 Step Apple
Crisp Recipe
  1. Preheat oven to 375 degrees F (190 degrees C). Lightly grease an 8-inch square baking dish.
  2. Arrange 2 1/2 cups of peeled and sliced apples evenly in prepared baking dish. Sift 1 cup flour, 1 cup sugar, 1/2 teaspoon cinnamon, and 1/4 teaspoon of salt in a bowl. Cut in 1/2 cup butter using a pastry blender or 2 knives until mixture resembles coarse cornmeal; sprinkle over apples.
  3. Bake in preheated oven until topping is golden, 40 to 45 minutes. Cool slightly before serving.


Enjoy!
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Smart Money Tips for Each Decade
We have all heard that saving money is important. But is it ever too late to do so? A March 31, 2018 issue of Investor News from American Funds explains the best tips to follow by decade.

Reviews help others find us!
Please let us know how we're doing and leave our agency a review. Visit our Website
Quick Links
Frequently Asked Questions:

 What has changed with healthcare now that Obamacare has been repealed?

The 2018 Medicare Open Enrollment window opens October 15 and closes December 7. During  open enrollment , beneficiaries can choose to switch Part D prescription-drug plans; switch Advantage plans, which offer health coverage through private insurers; or switch from traditional  Medicare  to Medicare  Advantage. New coverage starts January 1, 2018 .
The  2018 Open Enrollment  Period runs from Thursday, November 1,  2018 , to Saturday, December 15,  2018 . If you don't act by December 15, you can't get 2019 coverage unless you qualify for a Special Enrollment  Period. Plans sold during  Open Enrollment start January 1, 2019.
Please call Barb, at 729-4042, to set up an appointment for either Medicare or Healthcare Open Enrollment. We are Certified as Agents for both open enrollments.
We recently upgraded our software. As a result, the documents you normally receive from us may look different to you. If you notice anything that seems different to you, please call us at, 440-729-4042 so that we may clarify any questions you have. Our phone number is no longer on your ID cards. It is a good idea to add our office phone number (440-729-4042) to your contacts in your cell phones.
Our Services
Home Insurance...
If you are a client that we don't provide insurance for your home, now maybe the time. Your home is one of your most important financial investments; you need the proper coverage to keep your investment protected.

At the Luczkowski Agency, we offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.

Our Home Insurance coverage options include:  
•Property Insurance
•Homeowners Liability
•Renters Insurance
•Condo Insurance
•Scheduled Property Insurance
•Landlords Insurance
You Just Got Into An Accident...

Thankfully everyone is OK. What do you do next?
Accidents can happen in a split second. Being prepared and knowing how to handle the situation can help you remain calm.

Did you know that you may qualify for a discount on your insurance simply because the college or university you went to is part of our Affinity Program?

Call us at 440-729-4042 to see if you qualify.
Our Promise: 
To provide the best personalized client experience at a competitive price.

Our Primary Obligation:
As your Agency of Choice, our goal is to protect you and your family or business by seeing to it that you understand the difference between simply having insurance and being properly insured.

We will set ourselves apart from other insurance firms by taking care of you, reducing your exposure to risk while helping you attain your personal and/or business goals. "
Sincerely,

Barb Luczkowski,  CFP ® 
Luczkowski Agency Insurance and Financial Services

8045 Mayfield Rd
Chesterland, OH 44026
O 440-729-4042
F 440-729-3999

FEM-6453AO (6/18)
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Luczkowski & Associates offers both Insurance & Financial Services. We commit to provide you with the best professional service with maximum coverage for every insurance dollar. We will set ourselves apart from other insurance agencies by taking care of you, reducing your exposure to risk while helping you attain your personal or business goals.

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