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.

More Details

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.

More Details

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.

More Details

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. 

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.

I© PennyTree Advisers, LLC 2014