For Your Thoughts


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.

May 2017

Is Smart Beta a Smart Strategy for You? 
Smart beta funds use other clearly defined factors — other than market capitalization — to select and weight investments that will track a matching factor-based index.

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Tax Benefits of Homeownership 
Federal tax benefits are available to make homeownership more affordable and less expensive.

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Is It Wise to Trade Your Pension for a Lump Sum? 
For many workers, there may be mathematical and psychological advantages to keeping the pension. However, a lump sum could provide financial flexibility that may benefit some families. 

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Are you ready to retire? 
There are several questions you should ask yourself before making the important financial decision of when to retire.

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What is an ERISA fiduciary? 
The Employee Retirement Income Security Act was enacted in 1974 to protect employees who participated in retirement and certain other employee benefit plans. The fiduciary provisions of ERISA protect participants from the mismanagement and abuse of plan assets.   More Details


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.

April 2017

Four Ways to Double the Power of Your Tax Refund
What you do with a tax refund is up to you, but here are some ideas that may make your refund twice as valuable.

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Converting Retirement Savings to Retirement Income
You've been saving diligently for years, and now it's time to think about how to convert the money in your traditional, non-Roth 401(k)s (or similar workplace savings plans) into retirement income.

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Spring Cleaning Your Finances
The arrival of spring often signifies a time of renewal, a reminder to dust off the cobwebs and get rid of the dirt and grime that have built up throughout the winter season. And while most spring cleaning projects are likely focused on your home, you could take this time to evaluate and clean up your personal finances as well.

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What are bond ratings?
Bond ratings are an essential tool when considering fixed-income investments.

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What bond ratings do agencies use?
It may be helpful to compare bond ratings from the most well-known agencies.

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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.

March 2017

Due Date Approaches for 2016 Federal Income Tax Returns
Federal income tax filing season is here again. The filing deadline for most individuals is Tuesday, April 18, 2017. 

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Why Diversification Matters
Why is diversification so important? The simple reason is that it helps manage risk of losses in your portfolio. Consider how several asset classes have performed through the years. 

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Why a Life Insurance Claim May Be Denied
Here are some of the reasons an insurer may try to deny a claim for the life insurance death benefit.

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How can I prepare financially for stormy weather?
Severe weather often strikes with little warning, so take measures now to protect yourself and your property.

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What are some tips for creating a home inventory? 
Having a home inventory can help you substantiate an insurance claim, support a police report when items are stolen, or prove a loss to the IRS.

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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.

January 2017

Medicare and Medicaid: What's the Difference? 
Medicare and Medicaid may seem similar, but what each program pays for and for whom can be very different.

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Key Retirement and Tax Numbers for 2017 
Here are a few key cost-of-living adjustments announced by the IRS for 2017, along with corresponding 2016 figures.

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Growth, Value, or Both 
The terms growth and value are often used to describe two different investment strategies, yet many investors may want both qualities in an investment.

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How can I pay off the credit card debt I racked up over the holidays? 
It's a common occurrence once the holiday season winds down — you reluctantly look at your credit card statement and wince at all the purchases you made over the holidays. Fortunately, there's no need to panic. Consider using one of the following strategies to help pay it off.   More Details

I get so many credit card reward offers. How do I know which one to choose? 
Credit card reward programs are more popular than ever. In order to keep up with such high demand in a competitive market, credit card companies are coming up with new and more enticing offers every day.    More Details

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.

December 2016

Playing Catch-Up with Your 401(k) or IRA 
If you're 50 or older, you could benefit by making catch-up contributions to tax-advantaged retirement accounts. 

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The Giving Season: Six Tips for Making Smart and Effective Charitable Donations This Holiday Season 
The holidays are a popular time for charitable donations. With so many charities to choose from, it's more important than ever to ensure that your donation is well spent. Here are six tips that can help you make smart and effective charitable donations.    More Details

What It Means to Be a Financial Caregiver for Your Parents 
If you are the adult child of aging parents, you may find yourself in the position of someday having to assist them with handling their finances. Whether that time is in the near future or sometime further down the road, there are some steps you can take now to make the process a bit easier.   More Details

What should I evaluate when considering a new job offer? 
Today, few people stay with one employer until retirement. So it's likely that at some point during your career, you'll be looking for a new job. Here are some things to evaluate.

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I received a new job offer but the salary is low. Should I make a counteroffer? 
Getting paid less than you should when starting a new job can affect not only your current paycheck but also your long-term asset accumulation. 

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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 2016.

November 2016

Will vs. Trust: Is One Better Than the Other? 
Knowing the differences between a will and a trust may help you determine which is best for your estate plan.

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Are You Ending 2016 Healthy, Wealthy, and Wise? 
Pausing to reflect on the financial progress you made in 2016 and identifying adjustments for 2017 can help you start the new year stronger than ever. 

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Pretax, Roth, or After-Tax Contributions: Which Should You Choose? 
If your employer-sponsored retirement savings plan allows pretax, after-tax, and/or Roth contributions, which should you choose? 

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Do I need to make any changes to my Medicare coverage for next year? 
It's time to review your current Medicare coverage and make decisions about next year's coverage.

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What changes can I make during this year's Medicare Open Enrollment Period? 
The Medicare Open Enrollment Period starts on October 15 and runs through December 7. This period is the only time during the year that all people with Medicare can make changes to their health and prescription drug plans for the following year.    More Details


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 2016.

October 2016

Earnings Call: A Closer Look at Financial Reports 
Earnings season is the often-turbulent period when most companies must disclose their successes and failures. 

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Ten Year-End Tax Tips for 2016 
Here are 10 things to consider as you weigh potential tax moves between now and the end of the year.

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Top Financial Concerns of Baby Boomers, Generation Xers, and Millennials 
All generations stress about finances. Here are the top financial concerns of baby boomers, Generation Xers, and millennials and some tips on how they can address them.

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What are my health-care options if I retire early? 
If you're not eligible for an early-retirement package from your employer, you may need to look into alternative sources of health insurance to carry you through to Medicare eligibility.

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Should I accept my employer's early-retirement offer? 
The right answer for you will depend on your situation, but first of all, don't underestimate the psychological impact of early retirement.

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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 2016.

August 2016

Investors Are Human, Too 
Researchers in the field of behavioral finance have studied how cognitive biases in human thinking can affect investor behavior. 

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Be Prepared to Retire in a Volatile Market 
Market losses on the front end of your retirement could have an outsized effect on the income you might expect from your portfolio.

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Understanding the Net Investment Income Tax 
The net investment income tax has been in effect since 2013, but continues to cause confusion. Here's what you need to know. 

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Should I pay off my student loans early or contribute to my workplace 401(k)? 
For young adults with college debt, deciding whether to pay off student loans early or contribute to a 401(k) can be a tough question. It's a financial tug-of-war between digging out from debt today and saving for the future.   More Details


Have you heard about the newest employee perk? 
What's one of the most cutting-edge employee benefits right now? Company-provided student loan assistance for employees who are paying back student loans.

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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 2016.


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