Preparing for Next Year

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3 Preparing for Next Year Ryan Carter (517) Okemos Road Okemos, Michigan I can work in tandem with your tax professional to help determine which of these strategies could potentially assist you in reducing the amount of taxes you pay while helping you pursue your financial goals. But don t procrastinate time is of the essence. Life Events Retirement and Qualified Accounts Marriage or divorce Birth of a child Child entering college New home New job/job change Open a new business Sell a business Taxable Accounts Evaluate selling underperforming investments Evaluate selling any holdings to capitalize on gains Review gain and loss information Check for any loss carryforwards from the previous year that can be used to offset gains Insurance Review life insurance policies and annuities Inheritance Stock options exercise Retirement Target allocation Beneficiary Other: Corporate Executive Services Review your retirement planning strategy and retirement income needs Establish and/or contribute to an IRA Contribute the maximum allowed to your 401(k) plan Evaluate your retirement plan options if selfemployed Discuss your options for Verify that you have taken any money in a previous any required minimum Ryan Carter Estate Planning employer s Services retirement distribution from your IRA plan* Discuss any issues related Consider a Roth (517) IRA to carterr@stifel.com college saving and Okemos Road Okemos, Michigan conversion plans Whether you have an existing estate plan or are just beginning the estate planning process, one of our estate planning professionals will conduct a comprehensive review of your situation. I will then work with them to help you understand your estate planning situation while Identify timing of year-end identifying areas for improvement. In order to best serve you, our estate planning professionals may ask that you provide certain information, capital gains distributions including any existing estate planning documents (e.g., wills, trusts, and powers of attorney), life insurance policies, long-term care insurance prior to purchasing or Milestone Birthdays policies, and umbrella liability policies. selling mutual fund shares Age of Majority Any Age 62 May apply for Consider gifts to loved custodial accounts must be and begin collecting partial onesretirement Plans (list all) turned over to Investment the child Banking Social Security benefits Cash Management Discuss any desire to make Age 50 Eligible to make Age 65 Eligible to apply 401(k) plans Debt capital raising Check writing charitable donations catch-up contributions to for Medicare 403(b) plans Equity and convertible Debit card Optimize flexible spending IRAs and some retirement Profit sharing plans capital raising Age Full Electronic money transfer accounts plans Money purchase plans Financial sponsors retirement and age, depending Bill payment services Age 55 Penalty-free SEP IRAs venture capital raising upon your birth year distributions from 401(k) Stifel Mobile SIMPLE IRAs International coverage Age 70 1/2 Required plans if retired Stifel Access (online account access) Defined benefit plans Mergers & acquisitions/ minimum distributions Age 59 1/2 Penalty-free strategic advisory commence in certain distributions from IRAs and retirement plans Restructuring 401(k)s allowed Evaluate your options for long-term care insurance Investment Opportunities Discuss any life changes that may impact your Managed money (using Fixed income investments insurance needs Cashless stock option exercise institutional money managers) Certificates of deposit Control and restricted stock Equities Collateralized mortgage Rule 10b5-1 plans * Decisions to roll over or transfer retirement plan or IRA assets should be made with careful consideration of the advantages Mutual and funds obligations (CMOs) disadvantages, including investment options and services, fees and expenses, withdrawal options, required minimum Exchange distributions, traded funds (ETFs) Corporate bonds tax treatment, and your unique financial needs and retirement planning. Neither Stifel nor Stifel s provide recommendations with respect to rollovers from an employer-sponsored retirement plan. Once you inform your Stifel Options Financial Government and agency Advisor that you have chosen to roll your retirement assets to an IRA with Stifel, we can help you in addressing your Unit individual investment trusts securities investment needs. You should consult with your tax Stifel advisor regarding Bank your particular situation as it pertains to tax matters. Municipal bonds and Stifel Trust Treasuries Mortgage lending Securities-based lending Commercial lending Trust management and administration Residential mortgage lending services for clients of Stifel, Nicolaus & Company, Incorporated are performed exclusively by Stifel Bank & Trust. The financial advisors of Stifel, Nicolaus & Company, Incorporated do not offer mortgage loans, provide mortgage loan information, or accept residential mortgage loan applications. Stifel Bank & Trust, Member FDIC, Equal Housing Lender, NMLS# , is affiliated with Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. Unless otherwise specified, references to Stifel may mean Stifel Financial Corp. and/or any of its wholly owned subsidiaries, including Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE, and Stifel Bank & Trust, Member FDIC. Unless otherwise specified, products purchased from or held by Stifel are not insured by the FDIC, are not deposits or other obligations of Stifel Bank & Trust or its affiliates, are not guaranteed by Stifel Bank & Trust or its affiliates, and are subject to investment risk, including possible loss of the principal. Trust services are provided by Stifel Trust Company, N.A. and Stifel Trust Company Delaware, N.A. (Stifel Trust Companies), wholly owned subsidiaries of Stifel Financial Corp. and affiliates of Stifel, Nicolaus & Company, Incorporated, Member SIPC & NYSE. Unless otherwise specified, products purchased from or held by Stifel Trust Companies are not insured by the FDIC or any other government agency, are not deposits or other obligations of Stifel Trust Companies, are not guaranteed by Stifel Trust Companies, and are subject to investment risks, including possible loss of the principal invested.

4 FINANCIAL WELLNESS ASSESSMENT Retirement Plans Society is constantly urging us to strive to improve our personal wellness. In response, you may visit friends and family to maintain social and emotional wellness. You may visit your doctor for an annual check-up to maintain physical wellness. However, when was the last time you visited your Stifel to assess your financial wellness? While most people diligently track other areas of personal wellness, they often neglect financial wellness. Using Stifel s Financial Wellness Assessment as a starting point, we challenge you to make financial wellness a priority. Fill out the information requested and then visit with your Stifel to conduct a comprehensive review of your financial situation. Name: Phone: Address: City: State: Zip: FINANCIAL WELLNESS ASSESSMENT (continued) Retirement Plans ASSETS LIABILITIES BANK ACCOUNTS TYPE BORROWER LENDER OUTSTANDING BALANCE CUSTODIAN OWNER VALUE POD (Y/N) TAXABLE INVESTMENT ACCOUNTS ESTATE PLANNING FIRM OWNER VALUE TOD (Y/N) CUSTODIAN LOCATION OF DOCUMENT LAST UPDATED Will Revocable Living Trust RETIREMENT ACCOUNTS (e.g., IRA, General 401(k), Power 403(b), of Attorney etc.) TYPE CUSTODIAN Health Care Power of Attorney OWNER Advance Health Care Directive VALUE BENEFICIARY INSURANCE (e.g., Life, Long-Term GENERAL Care, PLANNING etc.) QUESTIONS TYPE COMPANY OWNER INSURED DEATH BENEFIT BENEFICIARY When did you last have a financial plan completed? When did you last review your beneficiary designations? When did you last have your estate and tax situation reviewed? ANNUITIES (e.g., Variable, When Fixed, did etc.) you last have your life insurance policies reviewed? TYPE COMPANY OWNER INSURED DEATH BENEFIT BENEFICIARY POD = Payable on Death TOD = Transfer (740) on Death 109 East Main Street, Suite 308 Lancaster, Ohio (740) East Main Street, Suite 308 Lancaster, Ohio 43130

5 Sheryl Cox Senior Vice President/Investments (508) Some Important Questions to Ask Yourself Persons well suited to independent, fee-based investment management share several traits and circumstances. The following questions will help you determine your investment style. If you have more yes than no answers, you may be a good candidate for this type of management. 1. Do you have a current investment plan? 2. Are you concerned that you re spending too much or too little time managing your investments? 3. Are you willing to share part or all of the control in management decisions? 4. Do you feel your investments could be performing better? 5. Are you comfortable sharing personal information about your finances? 6. Are you willing to pay a person a fee based on the percentage of money he or she is overseeing for you? 7. Do you have at least $100,000 in investable assets? 8. Are you willing to look at an integrated approach to your finances? 9. Are you willing to follow a disciplined plan in both up and down markets? Yes No 18 Main Street Extension, Suite 303 Plymouth, Massachusetts 02360

6 From the office of David S. Remey Your account was reviewed on Please call me. Call me if you have any questions. Please call to schedule an appointment. All too often, in the rush of day-to-day life, people neglect to pause and say thanks. So, thank you for giving us the opportunity to work with you. The Remey Wealth Advisory Group David S. Remey, CFP, CIMA, CPA Senior Vice President/Investments (386) (800) toll-free Cornerstone Boulevard, Suite 110 Daytona Beach, Florida 32117

7 Just Sell That Property You ve Been Showing? Brian Monaghan (601) (888) Concourse Boulevard, Suite 103 Ridgeland, Mississippi Now may be the time for you, as an independent contractor, to establish a SEP-IRA and start saving for your retirement. Based on annual investments of $5,000 earning an 8% fixed rate of return compounded annually, an individual who established a SEP-IRA at age 30 would have accumulated $930,511 by age 65. However, the individual who delayed five years and established one at age 35 would have accumulated $611,729. That s a difference of $318,782! If this is more than you re willing to miss out on, contact us for more information on SEP-IRAs today! The above is for illustrative purposes only and there is no guarantee this return can be met. Premature withdrawals from retirement plans may be subject to a penalty by the IRS.

8 What is a SIMPLE IRA? The SIMPLE IRA is a retirement plan that is designed to help small businesses meet today s challenges. Brian Monaghan (601) (888) monaghanb@stifel.com Concourse Boulevard, Suite 103 Ridgeland, Mississippi Now may be the time for you, as an independent contractor, to establish a SEP-IRA and start saving for your retirement. Based on annual investments of $5,000 earning an 8% fixed rate of return compounded annually, an individual who established a SEP-IRA at age 30 would have accumulated $930,511 by age 65. However, the individual who delayed five years and established one at age 35 would have accumulated $611,729. That s a difference of $318,782! If this is more than you re willing to miss out on, contact us for more information on SEP-IRAs today! The above is for illustrative purposes only and there is no guarantee this return can be met. Premature withdrawals from retirement plans may be subject to a penalty by the IRS.

9 In job transition... Not sure what to do? We can help! Rollovers IRAs Investments For your free consultation, please call: (314) (866) Have you given much thought to your 401(k)? Are the investments in your 401(k) aligned with your overall investment objectives? Let us review your current investment allocations and the various options available to you. To set up your free consultation, call us today! Russell Wealth Management Group John Russell Senior Vice President/Investments, Branch Manager Rick Hawkes Assistant Branch Manager, Keith Thompson Joy Liss First Vice President/Investments 8182 Maryland Avenue, Suite 110 Clayton, Missouri Decisions to roll over or transfer retirement plan or IRA assets should be made with careful consideration of the advantages and disadvantages, including investment options and services, fees and expenses, withdrawal options, required minimum distributions, tax treatment, and your unique financial needs and retirement planning. Stifel does not offer tax advice. You should consult with your tax advisor regarding your particular situation as it pertains to tax matters. Russell Wealth Management Group John Russell Senior Vice President/Investments Branch Manager Keith Thompson Rick G. Hawkes, Jr. Assistant Branch Manager Joy Liss First Vice President/Investments (314) (866) Maryland Avenue, Suite 110 Clayton, Missouri 63105

10 It s a great time for a 401(k) checkup! Have you given much thought to your 401(k)? Are the investments in your 401(k) aligned with your overall investment objectives? Let us review your current investment allocations and the various options available to you. To set up your free consultation, call us today! Russell Wealth Management Group John Russell Senior Vice President/Investments Branch Manager Keith Thompson Rick G. Hawkes, Jr. Assistant Branch Manager Joy Liss First Vice President/Investments (314) (866) Maryland Avenue, Suite 110 Clayton, Missouri 63105

11 Thank you for your profound demonstration of trust. The most sincere compliment anyone can give us is to refer a friend or family member to the Russell Wealth Management Group Maryland Avenue, Suite 110 Clayton, Missouri Russell Wealth Management Group John H. Russell Senior Vice President/Investments Branch Manager Rick G. Hawkes, Jr. Assistant Branch Manager Keith R. Thompson Joy Liss First Vice President/Investments (314) Maryland Avenue, Suite 110 Clayton, Missouri Stifel, Nicolaus & Company, Incorporated Member SIPC & NYSE