On average a 65-year-old in the U.S. can expect to live a little more than 20-25 more years. Effectively spending a 1/3 of their life in retirement!  With a 50 % - 65% chance they will still be alive at age 95, the ideal retirement plan involves generating multiple streams of income to provide both stability and tax flexibility in retirement. David Lau, founder and CEO of DPL Financial, shares market trends and how important the inclusion of annuities can help navigate a potentially volatile market in 2024.   Next up  Dave Grunenwald has created quality paperback bound Keepsake Activity Journals as a simple solution to "I'm bored ".  His Grandparent Merit Badges (GMB) are a very easy and inexpensive way to "Disconnect from the digital and reconnect with those who matter most”.  Imagine collecting Merit Badges around doing simple activities, like flying a kite, baking cookies,  gardening,  going for a walk, or watching a movie! Collect and date other badges for even more fun activities designed to build warm, lasting relationships with aging grandparents or seniors.  Available on Amazon as a keepsake for years to come.