April 2015

"What happens when people open their hearts? They get better."

Haruki Murakami

Spring gives us another opportunity to open our hearts to those around us. We can try a bit harder to understand those who are different and to see beyond the barriers that separate us. It is a time of rebirth and growth in nature. It can be for us as well.


Retirement Withdrawal Rates 
During your working years, you've probably set aside funds in retirement accounts such as IRAs, 401(k)s, and other workplace savings plans, as well as in taxable accounts. Your challenge during retirement is to convert those savings into an ongoing income stream that will provide adequate income throughout your retirement years.   More Details

When Your Child Asks for a Loan, Should You Say Yes? 
You raised them, helped get them through school, and now your children are on their own. Or are they? Even adult children sometimes need financial help. But if your child asks you for a loan, don't pull out your checkbook until you've examined the financial and emotional costs.   More Details

How Does Your 529 Plan Stack Up Against the Competition? 
If you're one of the millions of parents or grandparents who've invested money in a 529 plan, now may be a good time to see how your plan stacks up against the competition. Mediocre investment returns, higher-than-average fees, limited investment options and flexibility--these factors might lead you to conclude that you could do better with another 529 plan or a different college savings option altogether.  More Details

I owe a large amount of money to the IRS. Can I pay what I owe in installments? 
If you are in the unenviable position of owing a large amount of money to the IRS, you may be able to pay what you owe through an installment agreement with the IRS.  More Details

Will I have to pay a penalty tax if I don't have qualifying health insurance? 
If you don't have qualifying health insurance you may have to pay a penalty tax unless you qualify for an 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 2015.

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