Dear Friends and Family,

As the year wraps up, here are a few smart steps to consider:

• Complete your RMD if you’re 70½ or older.
• Harvest gains/losses where appropriate.
• Max out retirement and education account contributions.
• Consider charitable giving, including appreciated securities.
• Review estate and beneficiary designations.

Also — no news can be good news. Market stability in October has allowed a number of portfolios to quietly climb back to year-to-date highs.

We are grateful for your continued trust and referrals. Thank you!

Sincerely,

Katz Family Financial