Dear Friends and Family,

“Gratitude consists of being more aware of what you have, than what you don’t.” — Unknown

November is a month of gratitude, and we are thankful to serve your financial needs. Please join us for our seminars focused on the 2010 Roth IRA rule change. The benefits are substantial, and this one-time opportunity may apply to you.

Reminder: Converting from a traditional IRA to a Roth IRA may have tax implications. For 2010 only, taxes may be split over two years (2011 and 2012). Invite friends or neighbors to attend—this is valuable knowledge to share.

RMD Update: RMDs are suspended for 2009. If you already took a distribution, you may roll it back into your IRA by November 30 without penalty. Please contact us if you have questions or wish to attend a seminar.

Sincerely,

Katz Family Financial