February 2014

The Frugal Habits of Millionaires
We've all heard the saying "it takes money to make money." So how can you find extra dollars to save and invest? If you want to improve your financial position, take a page from a millionaire's playbook and consider putting these habits into practice.  More Details

Married Filing Jointly or Separately? The Choice Is YoursBecause of a number of special rules, your combined income tax will often be lower if you file married filing jointly than if you file married filing separately, but that is not always the case. You should generally calculate your tax both ways and choose the filing status that results in the lower combined tax.  More Details

Filing Your 2013 Federal Income Tax Return
For most people, the due date for filing a 2013 federal income tax return is April 15, 2014. Here are a few things to keep in mind this filing season.

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Are you ready to retire?
There are several important issues you should consider before making the important financial decision of when to retire.

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How much can I contribute to my IRA in 2014?
The amount you can contribute to your traditional or Roth IRA remains at $5,500 for 2014, $6,500 if you're 50 or older.

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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.

This communication is strictly intended for individuals residing in the state(s) of MA. No offers may be made or accepted from any resident outside the specific states referenced.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2014.

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