Dear Friends and Family,

For most of the United States, we ‘Fall back’ on November 1st, 2009 — and it’s time to fall back into our routines. Make plans now to attend our upcoming fall seminars in Issaquah and Bethesda on topics including College Planning and Roth IRAs.

Exciting News: Katz Family Financial Advisors has been awarded the “Best of Local Business” award by the USCA, recognizing success in community impact and business excellence.

Roth Revolution: Beginning in 2010, income limits for Roth IRA conversions and joint filer restrictions will be lifted. Also, 2010 conversions allow income to be split over tax years 2011 and 2012. Please ask us what this means for you.

Fidelity Mail Suppression: Year — End Investment Reports will no longer be mailed as they duplicate your tax reporting statements. They will be available online or by request.

Cost Basis Update: Starting in 2011, 1099 forms will show ‘adjusted basis’ and gains/losses for covered securities.

Sincerely,

Katz Family Financial