As always, we thank you for your business, friendship and trust. At this time of year, we are busy doing client reviews, as well as having many conversations about healthcare and IRA's. What's has changed in your lives? Have your kids moved out? Or, maybe you've added a new family member. Whatever the case maybe, let us know to be sure we've got your exposures covered. We are here to listen to your story and give you the very best strategy for today and the future. Know that we are here for you. We wish you and your loved ones a warm and happy holiday and the best in the New Year.

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
Do You Know These Facts About Social Security?
  1. If you begin taking Social Security benefits before full retirement age (66-67) your benefits could be reduced by as much as 25-30% *
  2. Social Security, on average, only covers about 40% of your preretirement income. **
  3. For example a 45 year old with a $60,000 annual income can expect to receive $1,988/month. Proper planning will help you determine what you will need to retire. ***

* 1, Social Security Administration
**2. Social Security, Actuarial Note Number 2017.9, July 2017
***3 American Funds Retirement Plan Progress Report RPGEBR-101-0518P
6 Energy-Efficient Tips To Make Your Home Greener
Saving money and the environment can be as easy as following the steps below:
  1. Programmable thermostat
  2. Smart home automation system
  3. Energy-efficient windows
  4. Energy-efficient air conditioners
  5. LED lights
  6. Energy-saving devices

Snowball cookie Recipe

  • 1 c.all-purpose flour
  • 1 1/2 c. walnuts finely chopped
  • 1/4 c. sugar
  • pinch of salt
  • 1 tsp. vanilla extract
  • 1/2 c. softened butter, chopped
  • 2 c. powdered sugar

  1. Preheat oven to 350 F Line large cookie sheet with parchment. In a large bowl mix flour, walnuts, sugar, salt and vanilla. Add butter and combine everything until mixture resembles a coarse meal.
  2. Form dough into small balls and place on cookie sheet
  3. Bake 15 minutes
  4. While still warm, roll cookies in powdered sugar and set aside to cool Dust cookies again when cool.


Housekeeping Notes
Nationwide has upgraded our software for Auto and Home policies We have noticed a few glitches...minor errors. If you see anything, do call us with any questions, or corrections. 
Avoid Holiday Overeating While Staying Healthy This Holiday Season
The holidays and overeating can be synonymous, but they don't have to be. Following a few simple steps can help you to avoid the dreaded "holiday weight gain".

The first step is to avoid going to parties on an empty stomach. Eat a sensible breakfast and or lunch so that you do not fill up on empty calories or simply overeat. Stock your fridge so that you have many healthy options to choose.

Drink water to distract your brain from feeling hungry. Many times we mindlessly snack on appetizers when in reality we are actually thirsty. When choosing alcoholic beverages, try to mix wine with seltzer or soda water to keep calories down.

When you attend a party with a buffet table, take a moment to survey what food is available to you so that you can make the best choices. Don't deprive yourself from family favorites; just make sure to sneak in some veggies on your plate. Eating slowly will also help you to realize that you are full sooner. Make sure to also take a walk between dinner and dessert. Getting up and moving is always a great way to make room for dessert

Enjoy the holidays and spending time with family and friends!
Reviews help others find us!
 Please let us know how we're doing and leave our agency a review. Visit our Website
Quick Links
While the Open Enrollment dates for Health Insurance have passed, please note that we can help with special enrollment for Qualifying Events such as turning 65 and losing health coverage, divorce and turning age 26. Please contact Barb if you meet any of these criteria or have any questions.
About Us
ID Theft Insurance Enhanced to Protect Members Even More

Nationwide is working very hard to stay one step ahead of identity thieves with enhancements to our ID Theft Insurance. As of this past summer, customers who currently have Nationwide ID Theft Insurance will have access to proactive identity and credit monitoring, at no additional cost. Simply register on the new Identity Protection Portal to activate identity and credit monitoring to begin taking advantage of these enhancements. Identity monitoring services will also be available to 2 additional members of the household at no extra cost.

Meet Our New Team Member-- Jim Henretta

The Luczkowski Agency is very pleased to announce that Jim Henretta has joined our agency. Jim brings over 40-years' experience in helping clients establish, and reach all their financial planning goals. He will work with you to structure a plan 20 years before retirement, at the time of retirement, or after you have retired.

Barb does enjoy working personally with our clients assisting them with their planning needs, but is not always able to meet individually with everyone. By adding Jim to our team, we can meet your needs in a timely manner and give you personalized attention.

For more information on Jim, click on the button below.
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. "

Barb Luczkowski,  CFP ® 
Luczkowski Agency Insurance and Financial Services

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

FEM-6553AO FSSC (12/18)
Like this newsletter? Follow us on Facebook for more great information!
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.

This e-mail contains hyperlinks (or "links") to other websites that are not associated with this site. Such unassociated websites may contain links to other unassociated sites as well. These links are provided as a convenience to you and to assist in your search for information. We make no endorsement, expressed or implied, about any of these linked sites, are not responsible for materials posted or activities that occur on such linked sites, and do not review (i) content or advertisements posted on or (ii) activities occurring on these linked sites.