November 2014

Saving or Investing: Is There a Difference?
The terms "saving" and "investing" may be used interchangeably, but understanding how they are different may help you in working toward financial goals for you and your family.

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Investor, Know Thyself: How Your Biases Can Affect Investment Decisions
Over the past few decades, a field has emerged that examines how human psychological factors influence economic and financial decisions. Understanding these biases may help you avoid questionable calls in the heat of the financial moment.  More Details

Open Enrollment Season Is Here: Give Your Benefits a Check Up
Open enrollment season is your annual opportunity to review your employer-provided benefit options and make elections for the upcoming plan year. To get the most out of what your employer has to offer and potentially save some money, take time to read through the enrollment packets or information you receive before making any benefit decisions.    More Details

Do I have to pay an additional tax on investment income?
A 3.8% net investment income tax is imposed on the unearned income of high-income individuals.

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How can I manage the net investment income tax?
If you are subject to the 3.8% net investment income tax, there are strategies to consider that may help you manage that tax.

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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 Communicatio

I© PennyTree Advisers, LLC 2014