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First Quarter 2022 Newsletter

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First Quarter 2022 Newsletter
Stop Asking When. Start Asking Why. Sarah K. Charles, CSRIC™, AIF® / Director of Business Strategy“Is now the right time to invest?”It is one of the most common questions that investors ask as they process the various threads of geopolitical events, macro-economic trends, natural disasters, cultural phenomena, and hair-raising headlines that are woven together into the tapestry of good news, bad news and uncertainty that is the backdrop for our lives. The first quarter of 2022 – which incidentally was the worst quarter for U.S. markets in 2 years and ended a 7-quarter streak of positive returns – was especially challenging for investors because instead of a single narrative to navigate e.g., Covid OR inflation OR supply chain OR war, we were bombarded with a multitude of storylines i.e., Covid AND inflation AND supply chain AND war.    On the first trading day of the year, the S&P 500 and the Dow both hit all-time highs. Is now ...
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Stay Steady

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Stay Steady
After several strong years for equity markets, 2022 has begun with increased volatility, namely surrounding issues of higher-than-expected inflation, supply chain issues and more recently, tensions that have developed into conflict between Russia and Ukraine. It is understandable to feel fear when turning on the TV and seeing the constant “Breaking News” headlines as markets experience downside volatility. As of yesterday, February 23, 2022, the S&P 500 is down over 11%, officially putting domestic stocks in correction territory to start the year. While this is not a pleasant experience, it is important to note that the recent downside movement in markets comes after domestic stocks continued to hit all-time highs throughout 2021. Domestic equity markets have still returned more than 10% over the past year, even when including the recent selloff. And those returns look even stronger when analyzing trailing returns over the past three, five and ten-year periods.Recently,...
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Is Now the Right Time to Invest?

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Is Now the Right Time to Invest?
We’ve been taught that investing and personal finance are a math-based field; an arena ruled by logic. Where data, and tables, and formulas (oh my!) reign supreme. But in the real-world, decisions aren’t made by spreadsheets. They are made by people whose thoughts, feelings, and emotions blur the line between what’s right, and what’s right for us. And our success with money becomes less about what we know, and more about how we behave.
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A Few Reminders For the Wild Ride
Investors have been on quite the wild ride so far in 2022. 
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Key Numbers 2022 / Tax Reference Numbers At A Glance
Attached is a summary of key tax and personal planning numbers for 2022 including: Income tax rates Standard deduction Education credits and deductions IRA contribution limits Health Savings Account contribution limitsPlease reach out with any questions you may have or if you’d like to discuss planning opportunities for the coming year. 
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Fourth Quarter 2021 Newsletter

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Fourth Quarter 2021 Newsletter
Did you know that you can predict the future by observing a rooster pecking at grain (alectryomancy)? Or by studying patterns in melting wax (ceromancy)? Watching what happens to molten metal after it’s dumped in cold water (molybdomancy) is another method for fortune telling. So is watching parakeets pick up fortune cards (the aptly named parrot astrology).  Divination has been practiced by many cultures for millennia, and the future can be foretold using everything from scattered salt (alomancy) to the sediment at the bottom of a wine glass (tasseography) to the movements of an ax placed on a post (axinomancy).
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Tips for Year-End Sharing Giving
If you are fortunate enough to be able to give back, ‘tis the season for planning your charitable donations. In addition to expressing your gratitude and contributing to the betterment of your community, charitable giving can also result in tax benefits and should be considered part of your year-end tax planning. Here are some considerations for your charitable contribution plan.
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2021 Year-End Tax Planning

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2021 Year-End Tax Planning
2021 Year-End Tax Planning
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Reasons to Consider a Roth Conversion
Plans change because scenarios and conditions change. While you have a strategy for your financial future and legacy, that planning will inevitably have to be adjusted for any number of circumstances, including your personal preferences and needs, market fluctuation and, as we will focus on in this commentary, Washington D.C.Because administrations, legislatures and political philosophies come and go, tax policy changes. In fact, there’s an old saying “tax code is written in pencil.” There is a strong indication that taxes will increase in the future, so including a Roth IRA conversion in your financial plan today may help you protect more of your wealth in your lifetime, and preserve the after-tax value of your legacy for your heirs.  The present situation While you may consider the current top tax bracket of 37 percent high, historically, that percentage is relatively low. For instance, from the late 1940s through the 1960s, the top marginal tax rates were arou...
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Medicare Open Enrollment for 2022 Began October 15
Medicare beneficiaries can make new choices and pick plans that work best for them during the annual Medicare Open Enrollment Period. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may have changed over the past year. The Open Enrollment Period — which began on October 15 and runs through December 7 — is your opportunity to switch your current Medicare health and prescription drug plans to ones that better suit your needs.During this period, you can: Switch from Original Medicare to a Medicare Advantage Plan Switch from a Medicare Advantage Plan to Original Medicare Change from one Medicare Advantage Plan to a different Medicare Advantage Plan Change from a Medicare Advantage Plan that offers prescription drug coverage to a Medicare Advantage Plan that doesn't offer prescription drug coverage Switch from a Medicare Advantage Plan that doesn't offer prescription drug coverage to a Medicare Advantage Plan that do...
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