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Taking Responsibility for Your Retirement Fund


We all know that relying on pension funds and Social Security is no longer sufficient when planning for retirement. To help you plan, the IRS has published the following tips to help you take charge of saving for retirement:

  • Set a goal: Even if you can only save a small amount, setting aside money each month will get you in the habit of saving.
  • Open an Individual Retirement Arrangement (IRA): Most Americans can open and make tax-deferred contributions to an IRA.
  • Learn about your employer’s retirement plan: If you’re covered under your employer’s retirement plan, be sure to ask for your copy of the summary plan description to learn about your rights under the plan.
  • Review your benefits statement: Your plan administrator can provide you with a benefits statement, which details your total plan benefits and the amount vested.
  • Sign up for 401(k) contributions: If your employer offers a 401(k), you can select how much money you want taken out of each paycheck to be put into this account.
  • Take your minimum distributions: If you’re 70 1/2 years old, you’re generally required to receive a minimum amount from your qualified retirement plan or IRA.
  • Estimate your Social Security benefits: Use the Social Security Administration’s calculator to do so.
  • Learn about your spouse’s retirement plan: Many plans provide spousal benefits. Be sure to read the plan’s details to see if you are eligible.

If you need assistance setting your retirement goals, or diversifying your portfolio, keep your ears open for an exciting announcement from ARCW Insurance.

Pokémon Go: Advice for Parents

Since its debut, Pokémon Go has garnered worldwide attention. News sources have been consistently reporting on both good and bad stories involving this app.  As a parent, you may find yourself concerned about the dangers of Pokémon Go. To help keep your child safe, do the following:

  • Remind them to pay attention to where they are going. This is especially important when they are crossing the road and exploring unfamiliar territories, especially in residential areas, where players can be mistaken as trespassers.
  • Remind them to be aware of their surroundings and strangers. Discuss “stranger danger” tips with your child and tips for recognizing and evading dangerous situations.
  • Encourage the “buddy system.” Suggesting that your child play Pokémon Go with friends will increase both their safety and social well-being.
  • Ask them to check in with you. Consider setting up a system where your child updates you with his or her whereabouts periodically.



From Chuck’s Kitchen





  • 2 tbsp. olive oil
  • 1 large summer squash, thinly sliced
  • 1 large zucchini, thinly sliced
  • 1 Tbsp. water
  • ⅓ Tbsp. sweet, fresh basil
  • 6 Tbsp. Parmesan cheese or Romano cheese, grated
  • Salt and pepper (optional, to taste)



  1. Using a large, ovenproof frying pan, heat 1 tablespoon of oil on medium high.
  2. Arrange the squash & zucchini in the pan. Add the water and season lightly with salt, pepper and basil.
  3. Cover and cook over medium heat for five minutes, or until tender.
  4. Sprinkle with the cheese and drizzle with the remaining oil. Place the pan under a preheated broiler and broil until the cheese melts and browns slightly.

Makes: 4 servings

Nutritional Information (per serving)
Total Calories 110
Total Fat 9 g
Protein 4 g
Carbohydrates 4 g
Dietary Fiber 1 g
Saturated Fat 2 g
Sodium 115 mg

Source: USDA

This information is not intended to be exhaustive nor should any discussion or opinions be construed as professional advice.  Should you have any questions or would like to discuss your risk exposure with your family’s insurance, please contact the insurance pros at ARCW Insurance.  We are here to help.