For Your Thoughts


May 2018

Dividend Investing: Small Payments Can Boost Returns 
Find out how even small dividend payments can boost your returns.

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Quiz: Can You Answer These Social Security Benefit Questions? 
Most people will receive Social Security benefits at some point in their lifetimes, but how much do you know about this important source of income? 

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The College Landscape After Tax Reform 
How did tax reform affect college planning?

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What are the gift and estate tax rules after tax reform? 
Recent tax reform legislation doubled the federal gift and estate tax basic exclusion amount. 

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How has tax reform affected the generation-skipping transfer tax? 
Recent tax reform legislation doubled the federal generation-skipping transfer tax exemption. 

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.

April 2018

Government Report Details Household Finances 
The Survey of Consumer Finances is an important source of information on household finances. 

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The Standard Deduction and Itemized Deductions After Tax Reform 
Recent legislation made significant changes to the standard deduction amounts and to itemized deductions.

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Four Points to Consider When Setting a Retirement Income Goal 
Consider these key factors before setting a retirement savings goal.

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What are some tips for creating a budget and sticking to it? 
If you become sidetracked when it comes to your finances, consider these tips for creating a budget and staying on the right path.

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What are some strategies for paying off credit card debt? 
If you find that you are struggling to pay down a credit card balance, here are some strategies that can help eliminate your credit card debt altogether.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.

March 2018

Due Date Approaches for 2017 Federal Income Tax Returns 
Federal income tax filing season is here again. The filing deadline for most individuals is Tuesday, April 17, 2018. 

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Weathering the Storm: Are You Prepared? 
Severe weather can test even the most seasoned homeowners. The key to making it through a storm safely is to be prepared.

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College Saving: How Does a 529 Plan Compare to a Roth IRA? 
How does a favorite of the college savings world — 529 plans — stack up against a favorite of the retirement savings world — Roth IRAs — when it comes to saving for college?

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How does working affect Social Security retirement benefits? 
If you're thinking about working as long as possible to increase your retirement savings, you may be wondering whether you can receive Social Security retirement benefits while you continue to work.

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Will a government pension reduce my Social Security benefits? 
Some government pensions affect how Social Security benefits are calculated.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.


February 2018

What's Your Money Script? 
The money beliefs we heard as children may affect our behaviors today.

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Deducting 2017 Property Losses from Your Taxes 
Hurricanes, wildfires, tornadoes, floods, earthquakes, winter storms, and other events often cause widespread damage to homes and other types of property. If you've suffered property loss as the result of a natural or man-made disaster in 2017, you may be able to claim a casualty loss deduction on your federal income tax return.   More Details

Don't Wait to Ask Aging Parents These Important Questions 
If you're the adult child of aging parents, it's important to open up a conversation about their future needs and wishes. The best time to start is when your parents are relatively healthy. Otherwise, you may find yourself making critical decisions on their behalf in the midst of a crisis without a roadmap.

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Why is it important to factor inflation into retirement planning? 
The cost of living will rise both before and during your retirement — which could last 25 years or longer. For this reason, inflation has to factor into your investment plans.

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Is a nursing home the only option for long-term care? 
When planning for long-term care, a nursing home may not be your only choice.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.

January 2018

How Much Risk Can You Take?  
Evaluate your personal relationship with risk by asking yourself these questions.

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Key Retirement and Tax Numbers for 2018  
Here are a few key cost-of-living adjustments announced by the IRS for 2018, along with corresponding 2017 figures.

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Don't Delay: The Potential Benefits of Starting to Save Now  
For long-term investment goals such as retirement, time can be one of your biggest advantages.

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What can I do to crack down on robocalls?  
Robocalls are often used by criminals to conduct various scams. Find out how you can help crack down on them.

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How can I protect myself from digital deception?  
Social engineering is a dangerous kind of digital deception. Know how to protect yourself from it.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.

December 2017

Questions to Ask Before Buying That Thing You've Always Wanted  
Even if you're generally comfortable with your spending habits, you may occasionally worry about how much you're spending, especially if you consistently have trouble saving for short- or long-term goals. Here are a few questions that might help you avoid a strong case of buyer's remorse.   More Details


Demographic Dilemma: Is America's Aging Population Slowing Down the Economy?  
Though the economy has continued to improve since the Great Recession, gross domestic product (GDP) growth has been weak compared with past recoveries. A number of economists believe that demographic changes may be the primary reason.  More Details


It's Time for Baby Boomer RMDs!  
In 2016, the first wave of baby boomers turned 70½, and many more reach that milestone in 2017. What's so special about 70½? That's the age when you must begin taking required minimum distributions (RMDs) from certain tax-deferred retirement accounts.   More Details


What can I learn from looking back on my financial situation in 2017?  
As you reflect on the last year, take some time to review your financial situation.

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What financial resolutions should I consider making as I look ahead to 2018?  
Start off the new year with a sound financial plan.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.

September 2017

For Women, a Pay Gap Could Lead to a Retirement Gap  
The wage gap between men and women could lead to a retirement shortfall for women unless they plan ahead.

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Life Is for the Living, and So Is Life Insurance  
There are many ways life insurance can help the people you leave behind following your death. Take some time to review your life insurance needs now before it's too late.

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Medicare and Your Employer Health Plan  
If you plan to continue working after you reach age 65, you may be wondering how Medicare coordinates with your employer's group health plan. When you have two health plans, you'll need to consider the benefits and costs, and navigate an array of rules.    More Details

How do economists measure inflation, and why does it matter to investors?  
Inflation can erode the purchasing power of your investments.

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How do TIPS help fight inflation?  
Owning Treasury Inflation-Protected Securities (TIPS) provides assurance that your investment will maintain its purchasing power over time. 

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.

August 2017

Working in Retirement: What You Need to Know  
Recent studies have consistently shown that a majority of retirees plan to work at least some period of time during their retirement years. 

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Test Your Investing IQ  
Test your knowledge on stocks, bonds, and mutual funds.

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Kickstart Your College Fund with a 529 Plan  
Named after the section of the tax code that governs them, 529 plans offer a unique combination of features and have become to the college savings world what 401(k) plans are to the retirement savings world.

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How do the economic milestones of young adults today compare with prior generations?  
A recent study compares today's young adults to their counterparts in 1975 to determine which generation is more financially secure.

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Chart: Young Adult Milestones, 1975 vs. 2016  
These two pie charts compare four common milestones of adulthood completed by young adults in 1975 and 2016.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.


July 2017

Don't Let Rising Interest Rates Catch You by Surprise  
You've probably heard the news that the Federal Reserve has been raising its benchmark federal funds rate. The Fed doesn't directly control consumer interest rates, but changes to the federal funds rate (which is the rate banks use to lend funds to each other overnight within the Federal Reserve system) often affect consumer borrowing costs.     More Details

Future of the Federal Estate Tax  
Tax reform is in the spotlight again along with possible repeal of the estate tax.

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The Health-Wealth Connection  
The clear connection between health and wealth is why it's so important to develop and maintain lifelong plans to manage both.

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What is a rollover IRA, and do I need one?  
While separate IRA accounts are not legally required, there are at least two reasons to consider keeping your employer plan rollover separate from your contributory IRAs.

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Can I roll my traditional 401(k) account balance over to a Roth IRA?  
You can make a direct or 60-day rollover from a 401(k) plan (or other qualified plan, 403(b) plan, or governmental 457(b) plan) to a Roth IRA, as long as you meet certain requirements.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.

June 2017

Four Numbers You Need to Know Now 
When it comes to your finances, you might easily overlook some of the numbers that really count. Here are four to pay attention to now that might really matter in the future.

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Student Loan Debt: It Isn't Just for Millennials 
Student loan debt isn't just for millennials. Americans age 60 and older are quickly racking up student debt too.

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Expect the Unexpected: What to Do If You Become Disabled 
Although you may be healthy and financially stable now, an unexpected diagnosis or injury could significantly derail your life plans. Would you know what to do, financially speaking, if you suddenly became disabled?

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What is a funeral trust? 
A funeral trust is an arrangement entered into with a provider of funeral or burial services. 

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What is a pet trust? 
A pet trust is used to provide for the care and financial support of your pet upon your disability or death.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2017.


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