Dear Friends and Family,

As 2013 ends, here are some suggestions for review:

• Make annual IRA contributions (and for your spouse).
• Review gain/loss transactions for tax planning.
• Take RMDs if over 70½ or holding an inherited IRA.
• Gift up to $14,000 per person, including appreciated stock.
• Consider Roth IRA conversions.
• Make charitable donations or fund a donor-advised account.
• Review IRA beneficiary designations (grandchildren = longer tax-deferred growth).
• Position high-dividend stocks in tax-deferred accounts.

If you’re planning year-end moves, don’t wait—December tax selling often pressures the markets.

Sincerely,

Katz Family Financial