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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.

February 2016


Changes to Social Security Claiming Strategies 
Congress has ended two popular Social Security claiming strategies, but depending on your age, you may still be able to take advantage of these options.

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Filing Your 2015 Federal Income Tax Return 
For most people, the due date for filing a 2015 federal income tax return is Monday, April 18, 2016. As that day approaches, here are a few things to keep in mind.

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Quiz: Which Birthdays Are Financial Milestones? 
When it comes to your finances, some birthdays are more important than others. Take this quiz to see if you can identify the ages that might trigger financial changes.

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What are required minimum distributions (RMDs)? 
The law requires that you begin taking distributions, called "required minimum distributions" or RMDs, from IRAs and most employer retirement plans when you reach age 70½ (or in some cases, when you retire), whether you need the money or not.   More Details

Should I delay taking my first RMD? 
In general, you must take your RMDs no later than December 31 of each calendar year to avoid a 50% tax penalty. However, you have the option of delaying your first distribution until April 1 of the following calendar year. 

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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.

October 2015

Six Common 401(k) Plan Misconceptions 
Some things you think you know about your 401(k) plan may not be true.

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2015 Year-End Tax Planning Basics 
Effective year-end planning depends on a good understanding of both your current circumstances and how those circumstances might change next year. But the window of opportunity for many potential tax-savings moves closes on December 31.    More Details

Frequently Asked Questions on Opening a 529 Plan Account 
529 plans are savings vehicles tailor-made for college. Anyone can open an account, lifetime contribution limits are typically $300,000 and up, and 529 plans offer federal and sometimes state tax benefits if certain conditions are met. Here are some common questions on opening an account.   More Details


My employer now offers wellness benefits as part of its employee benefits package. But what are they? 
Today, many employers are offering wellness benefits as part of an overall employee benefits package. 

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How do I compare my health insurance options during open enrollment? 
The decisions you make during open enrollment season regarding health insurance are especially important, since you generally must stick with the options you choose until the next open enrollment season.    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 2015.

September 2015

There has been a great deal of volatility in the markets of late. Much of this has been blamed on the slowing of the Chinese economy. The Chinese economy is still expected to grow at around 7% which is still quite impressive since a growth rate as high as 4% is rarely seen in the US. 

The best way to avoid the emotional turmoil that accompanies these sudden drops is to remind yourself that these are short-term events and you are a long-term investor with a strategic approach and a diversified portfolio. It is hard but history shows that the best approach is to be resolute and avoid selling into a downturn.

It is not easy - but it works.

Correlation and Portfolio Performance 
The concept of correlation often plays a role in constructing a well-diversified portfolio that strikes a balance between risk and return. In the financial world, correlation is a statistical measure of how two securities perform relative to each other.

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Six Life Insurance Beneficiary Mistakes to Avoid 
Naming your life insurance policy's beneficiaries should be a relatively simple task. However, there are a number of situations that can easily lead to unintended and adverse consequences.

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Taxes, Retirement, and Timing Social Security 
While tax deferral is often a good strategy, sometimes it may make more sense to take taxable distributions from retirement plans in the early years of retirement while deferring the start of Social Security retirement benefits.

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I've recently changed my legal name. Do I need to change my name on my Social Security card? 
Whenever an individual legally changes his or her name, it is important to contact the Social Security Administration (SSA) as soon as possible. 

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How can I protect my Social Security number from identity theft? 
Your Social Security number is one of your most important personal identifiers. As a result, you'll need to take steps to guard it carefully. 

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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 2015.


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