Dear Friends and Family,

Happy New Year!

With the New Year come resolutions. While most people are committing to working out to get healthy, we also encourage everyone to manage their family’s financial health.

Some things you should consider and feel free to discuss with us at any time are:

• IRA contributions annually
• Roth conversion possibilities
• Balance sheet review, assets and liabilities
• Next generation wealth management
• IRA beneficiaries
• Children’s savings
• Grandchildren’s savings (with duplicate statements to parents)
• College funding counseling – parents and their teens
• Estate plan review
• 401k review with existing employer
• Use of regular brokerage account as savings account. Simplify and improve yields on cash
• Self employed 401k, SEP IRA, for spouse too if needed
• Charitable giving – donor advised funds
• Life insurance – and other insurance needs (i.e. disability if self employed)
• Fidelity services update
• Monthly electronic savings into regular or IRA account
• Electronic statements and/or House holding of statements
• Checkbook or online tools for cash transfers
• Level II authorization – for transferring cash between your accounts
• Review tax considerations
• Review your insurance plans and be sure you are taking advantage of all discounts available

As always, we are here for you to answer any questions and help guide you through all of these tasks.

Sincerely,

Katz Family Financial

In the case of a discrepancy between Fidelity Investments monthly statements and Katz Family Financial monthly portfolio statements, Fidelity Investment statements should be deemed as the correct and accurate reporting source.