With fall we look backward and forward. We’re calling this edition Tide Check. You’re going to get plenty of vampires & ghouls everywhere else. We’re bringing you crisp winds, stiff sails and beverages with tonic in them. Grab one. Take a moment for yourself. Exhale. Read on.

We’re riding a wave of fall energy and retirement innovation into January. Hop aboard the Retirement Security Surfboard for Andrew Remo of ACLI on Making It Pay, State Auto IRAs by the numbers, updates from the states and Washington, Hot Sauce Cool Stuff—and, of course, Pix of the Week.

Summertime! … and the livin’ is easy … we wish you this refrain as an earworm and a state of being as we make our way to the end of August. Grab your cold (root)beer and sidle up. We’re going to put a few things in your backpack as you get ready for fall.