November 2013

2013 Year-End Tax Planning Considerations
As the end of the 2013 tax year approaches, set aside some time to evaluate your situation. Here are some things to keep in mind as you consider potential year-end tax moves.More Details

Buckets of Money: A Retirement Income Strategy
One approach to generating immediate retirement income while still addressing long-term needs is sometimes called the "bucket" strategy, which involves creating multiple pools of money. Each pool, or "bucket," is invested depending on when you'll need the money.   More Details

Paying for Long-Term Care Insurance with Tax-Free Funds
The cost of long-term care can quickly drain your savings, absorb most of your income, and affect the quality of life for you and your family. Long-term care insurance may be the answer, but premiums can be expensive. Here are some ways you may not know about to pay those premiums with tax-favored funds.   More Details

Is it true that my child can receive Social Security benefits based on my earnings record?
Your child--whether he or she is your biological child, adopted child, or stepchild--may be able to receive monthly benefits based on your earnings record if you're getting disability or retirement benefits from Social Security, or in the event of your death.   More Details

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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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 2013.

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