Dear Friends and Family,

We hope you had a wonderful Thanksgiving. As the year closes, please keep the following in mind:

• Make personal and charitable gifts early to ensure completion by year-end.
• IRA holders 70½+ must take RMDs before year-end. If you received paperwork, please return it promptly to avoid penalties.
• Discuss any tax gain/loss strategies with us as soon as possible.

We deeply appreciate your continued trust and referrals. Thanks to your confidence in Katz Family, our firm continues to grow.
Wishing you a happy and healthy holiday season.

Sincerely,

Katz Family Financial