October 2012

Year-End Investment Planning and the Fiscal Cliffhanger
As 2012 draws to a close, it might be worth starting early to look at various "what-if" scenarios in case you need to make last-minute changes to your portfolio this year. Even though you may not be sure of exactly what will happen in 2013, here are some factors to keep in mind as you plot your year-end strategy.   More Details

Spousal Lifetime Access Trust (SLAT)
So, you are thinking about making a large gift that is sheltered from gift tax by the applicable exclusion amount. However, you have concerns about losing access to the gifted property or its income; you might not need it now, but what if things change and you do need it later? If you are married, one possible solution might be a spousal lifetime access trust (SLAT).  More Details

Four Retirement Planning Mistakes to Avoid
We all recognize the importance of planning and saving for retirement, but too many of us fall victim to one or more common mistakes. Here are four easily avoidable mistakes that could prevent you from reaching your retirement goals.

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Can I be reimbursed from my health-care FSA for over-the-counter medications?
Expenses incurred for over-the-counter (OTC) medications (except for insulin and medications that are prescribed by a physician) are no longer eligible for reimbursement from a health-care FSA.   More Details

Should I participate in my employer's wellness program?
Studies show that living a healthier lifestyle can greatly improve one's overall health by reducing the risk of death and disability.

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This information is not intended to be tax or legal advice. It is provided for your education only by Pennytree Advisers, LLC. Individual circumstances may vary.

Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2012.

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