Dear Friends and Family,

Time for Annual 401(k) Reviews:

• Annual 401(k) reviews help rebalance stock and bond allocations.
• We review each fund’s performance annually—including your current and alternative options.
• Maximize your pre-tax contributions. If not possible, aim for at least the company match—it’s free money.
• Increase contributions when you get a raise.
• Maxed out your 401(k)? Discuss IRA or Roth IRA contributions with us. Non-working spouses may also contribute.
• Review your beneficiaries annually—especially if you have grandchildren, as estate planning tools may apply.

HRPT changed its name to CommonWealth REIT (CWH) on July 1. They executed a 1-for-4 reverse stock split and increased their dividend. This is now a sell item—please discuss with us.

FDIC insurance coverage was permanently raised to $250,000 per depositor, per institution, per ownership category. Visit the FDIC website and try the “Are My Deposits Insured?” tool for more details.

Reminder: Direct all service requests to Vicki Callaghan at 1605 NW Sammamish Road, Ste 250, Issaquah, WA 98027. Email Vicki@katzfamilyfinancial.com or call 1-877-657-2205 / 425-657-2208. She is available Monday–Friday, 6:00 a.m. to 12:00 p.m. PT.

Sincerely,

Katz Family Financial