A courtesy reminder to begin thinking through your next steps for any upcoming tuition bills that may be coming due. If you have a 529 and intend to use funds to cover the cost of an upcoming tuition bill, please give us an early notification as it relates to amount, and deadlines. To ensure timely payment, and confirmation of receipt from the educational institution, we recommend you make your payment to the institution, and utilize the 529 to request reimbursement to yourself. In some cases, paperwork is needed to fulfill these requests. In other instances you may be able to fulfill this distribution online yourself. Please reach out to us to discuss.

As in previous years, we have begun our year-end tax loss harvesting process. Between now and December 31, we will review all positions in your taxable portfolio and take advantage of any reasonable opportunity to reduce your overall tax liability for 2020. We may engage with you throughout this process, and potentially reach out to your CPA for coordination of tax efficiencies. You can check out more on this topic from Craig in his recent video. Link provided in email.

We'd like to have your gift authorization in for processing by Friday, December 11. As in years past, the longer you wait to submit your stock gift transmission, the less likely it is to be processed by year end. There are some unique situations, so please engage with us sooner rather than later to talk through your scenario. We make it happen, with your help!

A friendly reminder that while texting may be convenient, we are unable to send/receive business related text messages due to regulatory record keeping provisions. Approved methods of communication with our firm's employees should be limited to written, email, phone, and/or fax.