<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd"> <html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40"> <head> <meta http-equiv="Content-Type" content="text/html; charset=unicode"> <meta name="ProgId" content="Word.Document"> <meta name="Generator" content="Microsoft Word 15"> <meta name="Originator" content="Microsoft Word 15"> <link rel="File-List" href="../newsletter feb/February 2017_files/filelist.xml"> <link rel="Edit-Time-Data" href="../newsletter feb/February 2017_files/editdata.mso"> <title>February 2017</title> <link rel="themeData" href="../newsletter feb/February 2017_files/themedata.thmx"> <link rel="colorSchemeMapping" href="../newsletter feb/February 2017_files/colorschememapping.xml"> <style> <!-- @media (min-width:10px){ .w600 { width:320px !important; } .w540 { width:260px !important; } .w30 { width:30px !important; } .w600 img {max-width:320px; height:auto !important; } .w540 img {max-width:260px; height:auto !important; } } @media (min-width: 480px){ .w600 { width:480px !important; } .w540 { width:420px !important; } .w30 { width:30px !important; } .w600 img {max-width:480px; height:auto !important; } .w540 img {max-width:420px; height:auto !important; } .nspImage { float: none;width:100%;} } @media (min-width:600px){ .w600 { width:600px !important; } .w540 { width:540px !important; } .w30 { width:30px !important; } .w600 img {max-width:600px; height:auto !important; } .w540 img {max-width:540px; height:auto !important; } } div {-webkit-text-size-adjust:none;} p {-webkit-text-size-adjust:none;} a {-webkit-text-size-adjust:none;} li {-webkit-text-size-adjust:none;} td {-webkit-text-size-adjust:none;} a[x-apple-data-detectors]{ color: inherit !important; text-decoration: inherit !important; font-size: inherit !important; font-family: inherit !important; font-weight: inherit !i mportant; line-height: inherit !important; } a:visited {cursor:pointer;} /* Font Definitions */ @font-face {font-family:Wingdings; panose-1:5 0 0 0 0 0 0 0 0 0; mso-font-charset:2; mso-generic-font-family:auto; mso-font-pitch:variable; mso-font-signature:0 268435456 0 0 -2147483648 0;} @font-face {font-family:"Cambria Math"; panose-1:2 4 5 3 5 4 6 3 2 4; mso-font-charset:1; mso-generic-font-family:roman; mso-font-format:other; mso-font-pitch:variable; mso-font-signature:0 0 0 0 0 0;} @font-face {font-family:Calibri; panose-1:2 15 5 2 2 2 4 3 2 4; mso-font-charset:0; mso-generic-font-family:swiss; mso-font-pitch:variable; mso-font-signature:-536859905 -1073732485 9 0 511 0;} @font-face {font-family:Georgia; panose-1:2 4 5 2 5 4 5 2 3 3; mso-font-charset:0; mso-generic-font-family:roman; mso-font-pitch:variable; mso-font-signature:647 0 0 0 159 0;} /* Style Definitions */ p.MsoNormal, li.MsoNormal, div.MsoNormal {mso-style-unhide:no; mso-style-qformat:yes; mso-style-parent:""; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;} h1 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 1 Char"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:1; font-size:18.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; color:#142741; font-weight:bold;} h2 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 2 Char"; margin-top:0in; margin-right:0in; margin-bottom:7.5pt; margin-left:0in; mso-pagination:widow-orphan; mso-outline-level:2; border:none; mso-border-bottom-alt:solid #D6D6D6 .75pt; padding:0in; mso-padding-alt:0in 0in 3.0pt 0in; font-size:13.5pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; color:#142741; font-weight:bold;} h3 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 3 Char"; margin-top:7.5pt; margin-right:0in; margin-bottom:7.5pt; margin-left:0in; mso-pagination:widow-orphan; mso-outline-level:3; font-size:13.5pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; color:#142741; font-weight:bold;} h4 {mso-style-priority:9; mso-style-unhide:no; mso-style-qformat:yes; mso-style-link:"Heading 4 Char"; margin:0in; margin-bottom:.0001pt; mso-pagination:widow-orphan; mso-outline-level:4; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; color:#142741; font-weight:bold;} a:link, span.MsoHyperlink {mso-style-noshow:yes; mso-style-priority:99; color:blue; text-decoration:underline; text-underline:single;} a:visited, span.MsoHyperlinkFollowed {mso-style-noshow:yes; mso-style-priority:99; color:#142741; mso-text-animation:none; border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in; padding:0in; text-decoration:none; text-underline:none; text-decoration:none; text-line-through:none;} p {mso-style-noshow:yes; mso-style-priority:99; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;} code {mso-style-noshow:yes; mso-style-priority:99; font-family:"Courier New"; mso-ascii-font-family:"Courier New"; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin; mso-hansi-font-family:"Courier New"; mso-bidi-font-family:"Courier New";} span.Heading1Char {mso-style-name:"Heading 1 Char"; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 1"; mso-ansi-font-size:16.0pt; mso-bidi-font-size:16.0pt; font-family:"Calibri Light",sans-serif; mso-ascii-font-family:"Calibri Light"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Calibri Light"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#2E74B5; mso-themecolor:accent1; mso-themeshade:191;} span.Heading2Char {mso-style-name:"Heading 2 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 2"; mso-ansi-font-size:13.0pt; mso-bidi-font-size:13.0pt; font-family:"Calibri Light",sans-serif; mso-ascii-font-family:"Calibri Light"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Calibri Light"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#2E74B5; mso-themecolor:accent1; mso-themeshade:191;} span.Heading3Char {mso-style-name:"Heading 3 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 3"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Calibri Light",sans-serif; mso-ascii-font-family:"Calibri Light"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Calibri Light"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#1F4D78; mso-themecolor:accent1; mso-themeshade:127;} span.Heading4Char {mso-style-name:"Heading 4 Char"; mso-style-noshow:yes; mso-style-priority:9; mso-style-unhide:no; mso-style-locked:yes; mso-style-link:"Heading 4"; mso-ansi-font-size:12.0pt; mso-bidi-font-size:12.0pt; font-family:"Calibri Light",sans-serif; mso-ascii-font-family:"Calibri Light"; mso-ascii-theme-font:major-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:major-fareast; mso-hansi-font-family:"Calibri Light"; mso-hansi-theme-font:major-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:major-bidi; color:#2E74B5; mso-themecolor:accent1; mso-themeshade:191; font-style:italic;} p.readmsgbody, li.readmsgbody, div.readmsgbody {mso-style-name:readmsgbody; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;} p.externalclass, li.externalclass, div.externalclass {mso-style-name:externalclass; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;} p.body, li.body, div.body {mso-style-name:body; mso-style-noshow:yes; mso-style-priority:99; mso-style-unhide:no; mso-margin-top-alt:auto; margin-right:0in; mso-margin-bottom-alt:auto; margin-left:0in; mso-pagination:widow-orphan; font-size:12.0pt; font-family:"Times New Roman",serif; mso-fareast-font-family:Calibri; mso-fareast-theme-font:minor-latin;} span.SpellE {mso-style-name:""; mso-spl-e:yes;} span.GramE {mso-style-name:""; mso-gram-e:yes;} .MsoChpDefault {mso-style-type:export-only; mso-default-props:yes; font-size:10.0pt; mso-ansi-font-size:10.0pt; mso-bidi-font-size:10.0pt;} @page WordSection1 {size:8.5in 11.0in; margin:1.0in 1.0in 1.0in 1.0in; mso-header-margin:.5in; mso-footer-margin:.5in; mso-paper-source:0;} div.WordSection1 {page:WordSection1;} /* List Definitions */ @list l0 {mso-list-id:81490404; mso-list-template-ids:-348232294;} @list l0:level1 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level2 {mso-level-number-format:bullet; mso-level-text:o; mso-level-tab-stop:1.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:"Courier New"; mso-bidi-font-family:"Times New Roman";} @list l0:level3 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:1.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level4 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level5 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level6 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level7 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level8 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l0:level9 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l1 {mso-list-id:87163074; mso-list-template-ids:-1901420636;} @list l1:level1 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l1:level2 {mso-level-number-format:bullet; mso-level-text:o; mso-level-tab-stop:1.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:"Courier New"; mso-bidi-font-family:"Times New Roman";} @list l1:level3 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:1.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level4 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level5 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level6 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level7 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level8 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l1:level9 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Wingdings;} @list l2 {mso-list-id:1154682688; mso-list-template-ids:1586811398;} @list l2:level1 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level2 {mso-level-number-format:bullet; mso-level-text:o; mso-level-tab-stop:1.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:"Courier New"; mso-bidi-font-family:"Times New Roman";} @list l2:level3 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:1.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level4 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level5 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:2.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level6 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level7 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:3.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level8 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.0in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} @list l2:level9 {mso-level-number-format:bullet; mso-level-text:; mso-level-tab-stop:4.5in; mso-level-number-position:left; text-indent:-.25in; mso-ansi-font-size:10.0pt; font-family:Symbol;} ol {margin-bottom:0in;} ul {margin-bottom:0in;} --> </style> <meta name="viewport" content="width=device-width, initial-scale=1.0"> </head> <body style="tab-interval: .5in" yahoo="fix" vlink="#142741" link="blue" lang="EN-US" bgcolor="#8A8A8A" cz-shortcut-listen="true"> <div class="WordSection1"> <p class="MsoNormal"> <o:p> </o:p> </p> <p class="MsoNormal" style="text-align:center;background:#8A8A8A" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#DDDDDD"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3foption%3dcom_acymailing%26ctrl%3darchive%26task%3dview%26mailid%3d42%26key%3dxsSdezU3%26subid%3d2-Eo9bo2VFuNwpd9%26tmpl%3dcomponent%26acm%3d2_42&v=tosOoSffizx-PbzQXSWRxg2"> <span class="acymailingonline"> <span style="color:#DDDDDD;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none;text-underline: none">This e-mail contains graphics, if you don't see them </span> </span> <strong> <span style="color:#DDDDDD;border:none windowtext 1.0pt;mso-border-alt:none windowtext 0in; padding:0in;text-decoration:none;text-underline:none"> view it online.</span> </strong> </a> <o:p></o:p> </span> </p> <div align="center"> <table class="MsoNormalTable" style="width:6.25in;mso-cellspacing:0in;mso-yfti-tbllook:1184;mso-padding-alt: 0in 0in 0in 0in" width="0" cellspacing="0" cellpadding="0" border="0"> <tbody> <tr style="mso-yfti-irow:0;mso-yfti-firstrow:yes"> <td style="width:22.5pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="540"> <p class="MsoNormal" style="text-align:right" align="right"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#D2D1D1"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:1"> <td colspan="3" style="width:6.25in;padding:0in 0in 0in 0in" width="600" valign="bottom"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1042" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/shadowtop.jpg" alt="--" width="600" height="7" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:2"> <td colspan="3" style="width:6.25in;padding:0in 0in 0in 0in" width="600"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1041" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/top.jpg" alt="--" width="600" height="11" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:3;height:24.0pt"> <td style="width:22.5pt;border:none;border-bottom:solid #DDDDDD 1.0pt; mso-border-bottom-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:24.0pt" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;border:none;border-bottom:solid #DDDDDD 1.0pt; mso-border-bottom-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:24.0pt" width="540"> <p class="MsoNormal" style="text-align:right" align="right"> <a href="mailto:info@stonefinancialcpa.com?subject=Newsletter%20Email%20Inquiry" style="cursor:pointer"> <img src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/mail.jpg" alt="mail" title="" v:shapes="Picture_x0020_2" width="25" hspace="5" height="14" border="0" align="right"> </a> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:black"> Newsletter 42 | February 2017 | <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3foption%3dcom_k2%26view%3ditemlist%26layout%3dcategory%26task%3dcategory%26id%3d11%26Itemid%3d589%26acm%3d2_42&v=2Ns2-pftx3UMCsUB2ZuQ_A2" style="cursor:pointer"> <span style="color:black;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">Archives</span> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none"> </span> </a> | <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3foption%3dcom_k2%26view%3ditem%26layout%3ditem%26id%3d89%26Itemid%3d531%26acm%3d2_42&v=Pjrupfx_eaVipn69gPQiuA2" style="cursor:pointer"> <span style="color:black;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">Services</span> </a> </span> <span style="font-size:10.0pt; mso-fareast-font-family:"Times New Roman";color:#ABABAB"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;border:none;border-bottom:solid #DDDDDD 1.0pt; mso-border-bottom-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:24.0pt" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:4;height:12.0pt"> <td colspan="3" style="width:6.25in;padding:0in 0in 0in 0in; height:12.0pt" width="600"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1040" src="http://stonefinancialcpa.com/images/newsletter-banner.jpg" alt="newsletter banner" width="600" height="375" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:5"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1039" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/separator1.jpg" alt="---" width="540" height="42" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:6"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <h1> <span style="mso-fareast-font-family:"Times New Roman";mso-no-proof:yes"> <img id="_x0000_i1038" src="http://stonefinancialcpa.com/images/did_you_know.jpg" alt="Did You Know" width="540" height="136" border="0"> </span> <span style="mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </h1> <p> <span style="font-family:"Georgia",serif;color:#575757">- On Valentine's Day in 2009, 39,897 couples, friends and families got together in Mexico City and kissed for 10 seconds. It is the world record for the most simultaneous kisses.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <span style="font-size:10.0pt;color:#575757">-</span> <span style="font-family:"Georgia",serif;color:#575757"> The average person will <span class="SpellE">comsume</span> 10,000 chocolate bars in a lifetime. </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <span style="font-family:"Georgia",serif;color:#575757"> - <span class="SpellE">Approximatley</span> 40% of almonds produced in the world are made for chocolate products. </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <span style="font-family:"Georgia",serif;color:#575757">- The Mars company invented M&M's for soldiers during World War II.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <strong> <span style="font-family:"Georgia",serif;color:#575757">-</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> What does the color of a rose mean:</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <span style="font-family:"Georgia",serif;color:#575757"> <strong> <i> <span style="font-family:"Georgia",serif">Red</span> </i> </strong> <em> <span style="font-family:"Georgia",serif"> - love, beauty, passion, courage and respect.</span> </em> </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <em> <span style="font-family:"Georgia",serif;color:#575757"> </span> </em> <strong> <i> <span style="font-family:"Georgia",serif; color:#575757">White</span> </i> </strong> <em> <span style="font-family:"Georgia",serif; color:#575757"> - purity, innocence, silence and reverence.</span> </em> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <em> <span style="font-family:"Georgia",serif;color:#575757"> </span> </em> <strong> <i> <span style="font-family:"Georgia",serif; color:#575757">Pink</span> </i> </strong> <em> <span style="font-family:"Georgia",serif; color:#575757"> - appreciation, grace, happiness and gratitude.</span> </em> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <em> <span style="font-family:"Georgia",serif;color:#575757"> </span> </em> <strong> <i> <span style="font-family:"Georgia",serif; color:#575757">Yellow</span> </i> </strong> <em> <span style="font-family:"Georgia",serif; color:#575757"> - joy, gladness, friendship, delight and freedom.</span> </em> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <em> <span style="font-family:"Georgia",serif;color:#575757"> </span> </em> <strong> <i> <span style="font-family:"Georgia",serif; color:#575757">Orange</span> </i> </strong> <em> <span style="font-family:"Georgia",serif; color:#575757"> - admiration, desire, enthusiasm and fascination.</span> </em> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p> <span style="font-size:10.0pt;color:#575757"> <br> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:7"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1037" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/separator2.jpg" alt="---" width="540" height="45" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:8;height:12.0pt"> <td colspan="3" style="width:6.25in;background:#FAFAFA;padding:0in 0in 0in 0in; height:12.0pt" width="600"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:9"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <div id="k2ModuleBox670"> <h3 style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo2; tab-stops:list .5in"> <span style="font-size:10.0pt; mso-bidi-font-size:13.5pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol;font-weight:normal;mso-bidi-font-weight:bold"> <span style="mso-list:Ignore"> <span style="font:7.0pt "Times New Roman""> </span> </span> </span> <span style="mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fmark-your-calendars-for-these-fun-dates-in-february%3facm%3d2_42&v=VHjwuHSWg4P-EjHob_w6ug2"> <span style="color:#142741;border:none windowtext 1.0pt;mso-border-alt:none windowtext 0in; padding:0in;text-decoration:none;text-underline:none">Mark your calendars for these fun dates in February!</span> </a> <o:p></o:p> </span> </h3> <div> <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; margin-left:.5in"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fmark-your-calendars-for-these-fun-dates-in-february%3facm%3d2_42&v=VHjwuHSWg4P-EjHob_w6ug2" title="Continue reading "Mark your calendars for these fun dates in February!" " style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1036" src="http://stonefinancialcpa.com/media/k2/items/cache/086218b2ac4369b7cefd2acbee0be8b1_M.jpg" alt="Mark your calendars for these fun dates in February!" width="400" height="286" border="0"> </span> </a> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <strong> <span style="font-family:"Georgia",serif; color:#575757">02/02/17  Groundhog Day:</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> According to legend, if the groundhog sees his shadow (a sunny morning), there will be six more weeks of winter. He then returns to his den and goes back to sleep. If, however, he does not see his shadow (a cloudy day), he plays around outside of his hole for a while. If he does not see his shadow, spring is just around the corner. Punxsutawney, Pennsylvania, is the site of the annual Groundhog event. Our little rodent friend (yes, groundhogs are classified as rodents) is called Punxsutawney Phil. He has been making this annual winter prediction since 1887.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <strong> <span style="font-family:"Georgia",serif; color:#575757">02/04/17 - Thank a Mailman Day:</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> is your chance to say thanks to the guy or gal who delivers your mail. After all, they are there six days a week. The reliable postal worker is always there doing their job, regardless of the weather. They are a hardy lot. You'll find some mail carriers on walking routes, wearing shorts in all but the coldest of winter days. Make it a point to catch your mail carrier <span class="SpellE">enroute</span> today. Give him or her a great big smile and a great big "TY". If you happen to visit your local post office, give them a thank you, too. </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <strong> <span style="font-family:"Georgia",serif; color:#575757">02/05/17 - Super Bowl Sunday:</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> Millions of people around the world host or attend the "Big Party" at bars, party houses, or in their living rooms. Super Bowl Sunday is the second biggest snack day of the year. Second only to, you guessed it, New Year s Eve. Sit down and tune in to the most watched game of the year. Even casual sports fans take part. After all, watching the great ads and the super half-time show are as much a part of the game as the game itself. Many spouses readily admit they watch the super bowl just to see the ads.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <strong> <span style="font-family:"Georgia",serif; color:#575757">12/17/17  On Random Acts of Kindness Day:</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> you know what to do...perform a few random acts of kindness. Almost any kind deed will do. And, we highly recommend you perform kind acts on as many people as you can. This is a favorite day of many people and groups. People like the idea of showing a little kindness to others. It s a fun and good thing to do. They like being on the receiving end of this day as well. It makes both the giver and the receiver feel good.</span> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <strong> <span style="font-family:"Georgia",serif; color:#575757">12/20/17 - President s Day:</span> </strong> <span style="font-family:"Georgia",serif;color:#575757"> President's Day is a day set aside to honor all of the U.S. Presidents. We often think of two great presidents, George Washington and Abraham Lincoln, when we celebrate this holiday, as it falls by design between their birthdays. More and more of us look at this day as a tribute to each and every person who has ever served in the office of the President of the United States of America. It is a national holiday. While Federal employees, the post office, and banks have the day off, most businesses and industry do not recognize it as a paid holiday.</span> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> </div> <div style="margin-left:.5in;margin-top:5.0pt;margin-bottom:5.0pt"> <p class="MsoNormal" style="text-align:center" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> < <span class="SpellE">hr</span> size=2 width="100%" align=center> </span> <o:p></o:p> </p> </div> <h3 style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo2; tab-stops:list .5in"> <span style="font-size:10.0pt; mso-bidi-font-size:13.5pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol;font-weight:normal;mso-bidi-font-weight:bold"> <span style="mso-list:Ignore"> <span style="font:7.0pt "Times New Roman""> </span> </span> </span> <span style="mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2ftax-tips-for-the-self-employed%3facm%3d2_42&v=lJl08-P_12krTpBZCYVo9A2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">Tax Tips for the Self-Employed</span> </a> <o:p></o:p> </span> </h3> <div> <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; margin-left:.5in"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2ftax-tips-for-the-self-employed%3facm%3d2_42&v=lJl08-P_12krTpBZCYVo9A2" title="Continue reading "Tax Tips for the Self-Employed" " style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1035" src="http://stonefinancialcpa.com/media/k2/items/cache/9653b574708b7a6469e28ee67a57dc73_M.jpg" alt="Tax Tips for the Self-Employed" width="400" height="267" border="0"> </span> </a> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt"> <span style="font-family:"Georgia",serif; color:#575757">Being self-employed has many advantages  the opportunity to be your own boss and build your own company, for example. However, it also comes with unique challenges, especially when it comes to how to handle taxes. Whether you're running your own business or thinking about starting one, you'll want to be aware of the specific tax rules and opportunities that apply to you.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-size:14.0pt;font-family:"Georgia",serif;color:#575757">Understand the self-employment tax</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">When you worked for an employer, payroll taxes to fund Social Security and Medicare were split between you and your employer. Now you must pay a self-employment tax equal to the combined amount that an employee and employer would pay. You must pay this tax if you had net earnings of $400 or more from self-employment.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">The self-employment tax rate on net earnings (up to $127,200 in 2017) is 15.3%, with 12.4% going toward Social Security and 2.9% allotted to Medicare. Any amount over the earnings threshold is generally subject only to the Medicare payroll tax. However, self-employment and wage income above $200,000 is generally subject to a 0.9% additional Medicare tax. (For married individuals filing jointly, the 0.9% additional tax applies to combined self-employment and wage income over $250,000. For married individuals filing separately, the threshold is $125,000.)</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">If you file Form 1040, Schedule C, as a sole proprietor, independent contractor, or statutory employee, the net income listed on your Schedule C (or Schedule C-EZ) is self-employment income and must be included on Schedule SE, which is filed with your Form 1040. Schedule SE is used both to calculate self-employment tax and to report the amount of tax owed. You can deduct one-half of the self-employment tax paid (but not any portion of the Medicare surtax) when you compute the self-employment tax on Schedule SE.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-size:14.0pt;font-family:"Georgia",serif;color:#575757">Make estimated tax payments on time</span> </b> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">When you're self-employed, you'll need to make quarterly estimated tax payments (using IRS Form 1040-ES) to cover your federal tax liability. You may have to make state estimated tax payments as well.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">Estimated tax payments are generally due each year on the 15th of April, June, September, and January. If you fail to make estimated tax payments on time, you may be subject to penalties, interest, and a large tax bill at the end of the tax year. For more information, see IRS Publication 505, Tax Withholding and Estimated Tax.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-size:14.0pt;font-family:"Georgia",serif;color:#575757">Invest in a retirement plan</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">If you are self-employed, it is up to you and you alone to save sufficient funds for retirement. Investing in a retirement plan can help you save for retirement and also provide numerous tax benefits.</span> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">A number of retirement plans are suited for self-employed individuals:</span> <span style="font-size: 10.0pt;color:#575757"> <o:p></o:p> </span> </p> <ul type="disc"> <ul type="circle"> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">SEP IRA plan</span> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">SIMPLE IRA plan</span> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">SIMPLE 401(k) plan</span> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">"Individual" 401(k) plan</span> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman""> <o:p></o:p> </span> </li> </ul> </ul> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">The type of retirement plan you choose will depend on your business and specific circumstances. Explore your options and be sure to consider the complexity of each plan. In addition, if you have employees, you may have to provide retirement benefits for them as well. For more information, contact your Stone Financial CPA office.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-size:14.0pt;font-family:"Georgia",serif;color:#575757">Take advantage of business deductions</span> </b> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">If you have your own business, you can deduct some of the costs of starting the business, as well as the current operating costs of running that business. To be deductible, business expenses must be both ordinary (common and accepted in your field of business) and necessary (appropriate and helpful for your business).</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">Since business deductions will lower your taxable income, you should take advantage of any deductions to which you are entitled. You may be able to deduct a variety of business expenses, such as start-up costs, home office expenses, and office equipment.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-size:14.0pt;font-family:"Georgia",serif;color:#575757">Deduct health-care expenses</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">If you qualify, you may be able to benefit from the self-employed health insurance deduction, which would enable you to deduct up to 100% of the cost of health insurance that you provide for yourself, your spouse, your dependents, and employees.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">In addition, if you are enrolled in a high-deductible health plan, you may be able to establish and contribute to a health savings account (HSA), which is a tax-advantaged account into which you can set aside funds to pay qualified medical expenses. Contributions made to an HSA account are generally tax deductible. (Depending upon the state, HSA contributions may or may not be subject to state taxes.)</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">For more information, Contact your Stone Financial CPA.</span> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> </div> <div style="margin-left:.5in;margin-top:5.0pt;margin-bottom:5.0pt"> <p class="MsoNormal" style="text-align:center" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> < <span class="SpellE">hr</span> size=2 width="100%" align=center> </span> <o:p></o:p> </p> </div> <h3 style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo2; tab-stops:list .5in"> <span style="font-size:10.0pt; mso-bidi-font-size:13.5pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol;font-weight:normal;mso-bidi-font-weight:bold"> <span style="mso-list:Ignore"> <span style="font:7.0pt "Times New Roman""> </span> </span> </span> <span style="mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fquiz-how-much-do-you-know-about-social-security-retirement-benefits%3facm%3d2_42&v=_-pqDLq0vmT53HpqJv-nhQ2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">QUIZ: How much do you know about Social Security retirement benefits?</span> </a> <o:p></o:p> </span> </h3> <div> <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; margin-left:.5in"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fquiz-how-much-do-you-know-about-social-security-retirement-benefits%3facm%3d2_42&v=_-pqDLq0vmT53HpqJv-nhQ2" title="Continue reading "QUIZ: How much do you know about Social Security retirement benefits?" " style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1034" src="http://stonefinancialcpa.com/media/k2/items/cache/c6db11a71571f6269d8aa754fc40212f_M.jpg" alt="QUIZ: How much do you know about Social Security retirement benefits?" width="400" height="250" border="0"> </span> </a> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt"> <span style="font-family:"Georgia",serif; color:#575757">Social Security is an important source of retirement income for millions of Americans, but how much do you know about this program? Test your knowledge and learn more about your retirement benefits by answering the following questions.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">Questions:</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">1. Do you have to be retired to collect Social Security retirement benefits?</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">a. Yes</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">b. No</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">2. How much is the average monthly Social Security benefit for a retired worker?</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">a. $1,360</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">b. $1,493</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">c. $1,585</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">d. $1,723</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">3. For each year you wait past your full retirement age to collect Social Security, how much will your retirement benefit increase?</span> </b> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">a. 5%</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">b. 6%</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">c. 7%</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">d. 8%</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">4. How far in advance should you apply for Social Security retirement benefits?</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span class="GramE"> <span style="font-family:"Georgia",serif;color:#575757">a</span> </span> <span style="font-family:"Georgia",serif;color:#575757">. One month before you want your benefits to start.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span class="GramE"> <span style="font-family:"Georgia",serif;color:#575757">b</span> </span> <span style="font-family:"Georgia",serif;color:#575757">. Two months before you want your benefits to start.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span class="GramE"> <span style="font-family:"Georgia",serif;color:#575757">c</span> </span> <span style="font-family:"Georgia",serif;color:#575757">. Three months before you want your benefits to start.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">5. Is it possible for your retirement benefit to increase once you start receiving Social Security?</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">a. Yes</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757">b. No</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:3.75pt; margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">Answers</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757"> 1. <span class="GramE">b</span> . </span> </b> <span style="font-family:"Georgia",serif;color:#575757"> You don't need to stop working in order to claim Social Security retirement benefits. However, if you plan to continue working and you have not yet reached full retirement age (66 to 67, depending on your year of birth), your Social Security retirement benefit may be reduced if you earn more than a certain annual amount. In 2017, $1 in benefits will be deducted for every $2 you earn above $16,920. In the calendar year in which you reach your full retirement age, a higher limit applies. In 2017, $1 in benefits will be deducted for every $3 you earn above $44,880. Once you reach full retirement age, your earnings will not affect your Social Security benefit.</span> <span style="font-size: 10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757"> 2. <span class="GramE">a</span> . </span> </b> <span style="font-family:"Georgia",serif;color:#575757"> Your benefit will depend on your earnings history and other factors, but according to the Social Security Administration, the average estimated monthly Social Security benefit for a retired worker (as of January 2017) is $1,360. <sup>1</sup> </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757">3. d.</span> </b> <span style="font-family:"Georgia",serif;color:#575757"> Starting at full retirement age, you will earn delayed retirement credits that will increase your benefit by 8% per year up to age 70. For example, if your full retirement age is 66, you can earn credits for a maximum of four years. At age 70, your benefit will then be 32% higher than it would have been at full retirement age.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757"> 4. <span class="GramE">c</span> . </span> </b> <span style="font-family:"Georgia",serif;color:#575757">According to the Social Security Administration, you should ideally apply three months before you want your benefits to start. You can generally apply online.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p class="body" style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in; margin-left:.5in;margin-bottom:.0001pt;background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <b> <span style="font-family:"Georgia",serif;color:#575757"> 5. <span class="GramE">a</span> . </span> </b> <span style="font-family:"Georgia",serif;color:#575757"> There are several reasons why your benefit might increase after you begin receiving it. First, you'll generally receive annual cost-of-living adjustments (COLAs). Second, your benefit is recalculated every year to account for new earnings, so it might increase if you continue working. Your benefit might also be adjusted if you qualify for a higher spousal benefit once your spouse files for Social Security.</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in;background-image:initial;background-position:initial; background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#575757"> <span> For more information, Contact your Stone Financial Advisor, Logan Spaw, at 1. <a style="cursor:pointer">870.743.2588</a> . </span> </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> </div> <div style="margin-left:.5in;margin-top:5.0pt;margin-bottom:5.0pt"> <p class="MsoNormal" style="text-align:center" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> < <span class="SpellE">hr</span> size=2 width="100%" align=center> </span> <o:p></o:p> </p> </div> <h3 style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo2; tab-stops:list .5in"> <span style="font-size:10.0pt; mso-bidi-font-size:13.5pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol;font-weight:normal;mso-bidi-font-weight:bold"> <span style="mso-list:Ignore"> <span style="font:7.0pt "Times New Roman""> </span> </span> </span> <span style="mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2ffrom-scott-stone%3facm%3d2_42&v=Fdx1LMwAPAmjCjIkNYoe5A2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none"> From Scott <span class="GramE">Stone ...</span> </span> </a> <o:p></o:p> </span> </h3> <div> <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; margin-left:.5in"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2ffrom-scott-stone%3facm%3d2_42&v=Fdx1LMwAPAmjCjIkNYoe5A2" title="Continue reading "From Scott Stone ..." " style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1033" src="http://stonefinancialcpa.com/media/k2/items/cache/47b9371a5ec847a6416d19e09506ac86_M.jpg" alt="From Scott Stone ..." width="400" height="243" border="0"> </span> </a> <span style="font-size:10.0pt; mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">As we start 2017, I wanted to take time and thank our dedicated staff at Stone Financial for partnering with me in my firm s purpose. We have been through a lot of changes the past couple of years and have come out a much better firm than ever before. We have some very highly talented staff in Branson, Eureka Springs, Harrison, and now in Springfield, and I truly look forward to this new year. I also want to thank all of our clients for allowing us to serve you and take care of your accounting and financial needs. It is a true pleasure to work with you!</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757"> As the new year does progress, I wanted to pause and reflect on the purpose of Stone Financial. Our purpose is not only to help you understand your taxes or accounting, but to also help you create and develop a path to reach your financial goals and dreams. As a CPA/Financial Advisor, my goal is not only for you to understand your tax situation, but also for all of my clients to fully understand their overall financial situation as well. Common questions I receive <span class="GramE">include  </span> When should I take Social Security? ,  How much should I withdraw from my retirement plan? ,  The market is at a high, so what should I do with my money now? , "How much should I be saving?" or  Can I retire at age 65? </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">We can help you through these tough questions and help you develop a plan so you know where you are going. I often say that anxiety is created by the unknown. Are there things in your life that create anxiety or uncertainty? For instance, there are now strategies that you can implement that would allow you to have guaranteed income streams* for life that are funded by your savings. So whether the market goes up or down, you can have a strategy that will last you a lifetime, and you can stop worrying about politicians, the market, interest rates, etc. </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757"> We live in a very complex world these days. If you are concerned, worried, or simply want to visit about what might be best for you, then give us a call and we will be happy to help. I hope that 2017 is off to a great start for you. This is the time of year I always like to say,  Welcome to tax season! </span> <span style="font-size: 10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">We are here for you when you are ready!</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">Best regards,</span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">Scott </span> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> </div> <div style="margin-left:.5in;margin-top:5.0pt;margin-bottom:5.0pt"> <p class="MsoNormal" style="text-align:center" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> < <span class="SpellE">hr</span> size=2 width="100%" align=center> </span> <o:p></o:p> </p> </div> <h3 style="margin-left:.5in;text-indent:-.25in;mso-list:l1 level1 lfo2; tab-stops:list .5in"> <span style="font-size:10.0pt; mso-bidi-font-size:13.5pt;font-family:Symbol;mso-fareast-font-family:Symbol; mso-bidi-font-family:Symbol;font-weight:normal;mso-bidi-font-weight:bold"> <span style="mso-list:Ignore"> <span style="font:7.0pt "Times New Roman""> </span> </span> </span> <span style="mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fannuity-article%3facm%3d2_42&v=cBIjLjwY7moKCKQheuCMnw2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none"> Markets at an <span class="SpellE">all time</span> high: Help safeguard your savings </span> </a> <o:p></o:p> </span> </h3> <div> <p class="MsoNormal" style="mso-margin-top-alt:auto;mso-margin-bottom-alt:auto; margin-left:.5in"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2fnewsletter-content%2fannuity-article%3facm%3d2_42&v=cBIjLjwY7moKCKQheuCMnw2" title="Continue reading "Markets at an all time high: Help safeguard your savings" " style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1032" src="http://stonefinancialcpa.com/media/k2/items/cache/b262fcb3a88d76445a5d5d6ad933cf2d_M.jpg" alt="Markets at an all time high: Help safeguard your savings" width="400" height="147" border="0"> </span> </a> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p style="margin-left:.5in"> <span style="background-image:initial;background-position: initial;background-repeat:initial;background-attachment:initial"> <span style="font-family:"Georgia",serif;color:#202020">Are you prepared for the ups and downs of the future economy? Do you want to participate in the increase of the market, but can't afford the risk of loss? Are you afraid of outliving your money? A Fixed Indexed Annuity (FIA) can help you protect a portion of your retirement assets by participating in the potential upside of a market index, but not the downside.</span> </span> <span style="font-size: 10.0pt;color:#575757"> <o:p></o:p> </span> </p> <p style="margin-top:5.0pt;margin-right:0in;margin-bottom:0in;margin-left: .5in;margin-bottom:.0001pt"> <b> <span style="font-family:"Georgia",serif; color:#575757"> If you are looking for:</span> </b> <span style="font-size:10.0pt;color:#575757"> <o:p></o:p> </span> </p> <ul type="disc"> <ul type="circle"> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">Low Risk</span> </b> <span style="font-family:"Georgia",serif;mso-fareast-font-family: "Times New Roman"">  A fixed indexed annuity is not directly invested in stocks and does not lose money due to market declines.</span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">Tax-Deferral</span> </b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">  Your principal can grow tax-deferred until withdrawal.</span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">Lifetime Income</span> </b> <span style="font-family:"Georgia",serif;mso-fareast-font-family: "Times New Roman"">  Fixed indexed annuities provide the option to purchase additional riders that can offer guaranteed income for your life and the life of your spouse.</span> <span style="font-size:10.0pt; mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">Principle Protection</span> </b> <span style="font-family:"Georgia",serif; mso-fareast-font-family:"Times New Roman"">  Lock in gains you have earned, protect against future losses, and create a predictable income during retirement, no matter how many years it lasts.</span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </li> <li class="MsoNormal" style="color:#575757;mso-margin-top-alt:auto; mso-margin-bottom-alt:auto;mso-list:l1 level2 lfo2;tab-stops:list 1.0in"> <b> <span style="font-family:"Georgia",serif;mso-fareast-font-family:"Times New Roman"">Death Benefit </span> </b> <span style="font-family:"Georgia",serif;mso-fareast-font-family: "Times New Roman""> If you pass away before receiving payment or benefits, those benefits can be passed on to your loved ones.</span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </li> </ul> </ul> <p style="margin-left:.5in"> <span style="font-family:"Georgia",serif; color:#575757">Talk to a Stone Financial advisor about how an annuity might fit into your overall retirement picture!</span> <span style="font-size:10.0pt; color:#575757"> <o:p></o:p> </span> </p> <p class="MsoNormal" style="margin-left:.5in"> <code> <span style="font-size: 8.0pt;font-family:"Arial",sans-serif;color:#575757"></span> </code> </p> <article> <code> 1  Calculators: Life Expectancy. Social Security Administration, 2015. <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3fsubid%3d2%26option%3dcom_acymailing%26ctrl%3durl%26urlid%3d7%26mailid%3d42&v=B3cmhNDlIRICRW9LJGCD2g2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">https://www.ssa.gov/planners/lifeexpectancy.html#&sb=-1</span> </a> </code> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> <p></p> <p class="MsoNormal" style="margin-left:.5in"> <code> <span style="font-size: 8.0pt;font-family:"Arial",sans-serif;color:#575757">2  The Current State of Retirement: Pre-Retiree Expectations and Retiree Realities. Transamerica Center for Retirement Studies, 2015.</span> </code> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p class="MsoNormal" style="margin-left:.5in"> <code> <span style="font-size: 8.0pt;font-family:"Arial",sans-serif;color:#575757"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3fsubid%3d2%26option%3dcom_acymailing%26ctrl%3durl%26urlid%3d8%26mailid%3d42&v=J_pEeGl-SxZNzLGpODJrmQ2" style="cursor:pointer"> <span style="color:#142741;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none; text-underline:none">https://www.transamericacenter.org/docs/default-source/retirees-survey/retirees_survey_2015_report.pdf</span> </a> </span> </code> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757"> <o:p></o:p> </span> </p> <p class="MsoNormal" style="margin-left:.5in"> <code> <span style="font-size: 8.0pt;font-family:"Arial",sans-serif;color:#575757">Guarantees apply to certain insurance and annuity products (not securities, variable, or investment advisory products), including optional benets, and are subject to product terms, exclusions, limitations, the insurer's claims-paying ability, and the nancial strength of the issuing insurance company. Although the contract value may be affected by the performance of an index, it is not a security, and the contract does not directly or indirectly participate in any stock or equity investment, including, but not limited to, any dividend payment attributable to any such stock or equity investment. Withdrawals/surrenders have the effect of reducing the contract value and death benet. Withdrawals/surrenders of taxable amounts are subject to ordinary income tax and, if taken prior to age 59, an additional 10% federal penalty tax.</span> </code> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </article> </div> <hr /> </div> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:10;height:12.0pt"> <td colspan="3" style="width:6.25in;background:#FAFAFA;padding:0in 0in 0in 0in; height:12.0pt" width="600"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:11"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1031" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/separator2.jpg" alt="---" width="540" height="45" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:12"> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="540"> <h1> <span style="font-size:8.0pt;font-family:"Georgia",serif;mso-fareast-font-family: "Times New Roman""> * Disclaimer: Guarantees provided by annuities are subject to the financial strength of the issuing insurance company. Product features, limitations and <span class="SpellE">availablity</span> may vary by state. For additional information, including any specific advice or recommendations, please visit with your financial professional. </span> <span style="mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </h1> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#999999"> <br> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;background:#FAFAFA;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:13;height:22.5pt"> <td style="width:22.5pt;border:none;border-top:solid #DDDDDD 1.0pt; mso-border-top-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:22.5pt" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;border:none;border-top:solid #DDDDDD 1.0pt; mso-border-top-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:22.5pt" width="540" valign="bottom"> <p class="MsoNormal" style="text-align:right" align="right"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#ABABAB">Follow us | </span> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3fsubid%3d2%26option%3dcom_acymailing%26ctrl%3durl%26urlid%3d2%26mailid%3d42&v=GGLymFeLlfXzmDha6KjXIg2" style="cursor:pointer"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#142741;border:none windowtext 1.0pt;mso-border-alt: none windowtext 0in;padding:0in;mso-no-proof:yes;text-decoration:none; text-underline:none"> <img id="_x0000_i1030" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/facebook.jpg" alt="facebook" width="16" height="18" border="0"> </span> </a> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3fsubid%3d2%26option%3dcom_acymailing%26ctrl%3durl%26urlid%3d3%26mailid%3d42&v=rBISVWvZuyBlG9LDm8Fnag2"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#142741; border:none windowtext 1.0pt;mso-border-alt:none windowtext 0in;padding:0in; mso-no-proof:yes;text-decoration:none;text-underline:none"> <img id="_x0000_i1029" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/linkedin.jpg" alt="twitter" width="21" height="18" border="0"> </span> </a> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#ABABAB"> <o:p></o:p> </span> </p> </td> <td style="width:22.5pt;border:none;border-top:solid #DDDDDD 1.0pt; mso-border-top-alt:solid #DDDDDD .75pt;background:whitesmoke;padding:0in 0in 0in 0in; height:22.5pt" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:14"> <td colspan="3" style="width:6.25in;padding:0in 0in 0in 0in" width="600"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1028" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/bottom.jpg" alt="--" width="600" height="12" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:15"> <td colspan="3" style="width:6.25in;padding:0in 0in 0in 0in" width="600" valign="bottom"> <p class="MsoNormal" style="mso-line-height-alt:0pt"> <span style="font-size: 10.0pt;mso-fareast-font-family:"Times New Roman";color:#575757;mso-no-proof: yes"> <img id="_x0000_i1027" src="http://stonefinancialcpa.com/media/com_acymailing/templates/technology_resp/images/shadowbottom.jpg" alt="--" width="600" height="10" border="0"> </span> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman"; color:#575757"> <o:p></o:p> </span> </p> </td> </tr> <tr style="mso-yfti-irow:16;mso-yfti-lastrow:yes"> <td style="width:22.5pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> <td style="width:405.0pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="540"></td> <td style="width:22.5pt;background:#8A8A8A;padding:0in 0in 0in 0in" width="30"> <p class="MsoNormal"> <span style="font-size:10.0pt;mso-fareast-font-family: "Times New Roman";color:#575757"> <o:p></o:p> </span> </p> </td> </tr> </tbody> </table> </div> <p class="MsoNormal" style="text-align:center;background:#8A8A8A" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman";color:#DDDDDD"> <a href="http://tracking.stonefinancialcpa.com/tracking/click?msgid=ZLz-Wjbu2-hfQ9UFH76izA2&target=http%3a%2f%2fstonefinancialcpa.com%2findex.php%3fsubid%3d2%26option%3dcom_acymailing%26ctrl%3duser%26task%3dout%26mailid%3d42%26key%3dEo9bo2VFuNwpd9&v=HTnf9z0k1Piy0JzqbMTyAA2" target="_blank" style="cursor:pointer"> <span class="acymailingunsub"> <span style="color:#DDDDDD;border:none windowtext 1.0pt;mso-border-alt:none windowtext 0in; padding:0in;text-decoration:none;text-underline:none">If you're not interested any more </span> </span> <strong> <span style="color:#DDDDDD;border:none windowtext 1.0pt; mso-border-alt:none windowtext 0in;padding:0in;text-decoration:none;text-underline: none"> unsubscribe</span> </strong> </a> <o:p></o:p> </span> </p> <p class="MsoNormal"> <span style="mso-fareast-font-family:"Times New Roman"; mso-no-proof:yes"> <img id="_x0000_i1026" src="http://stonefinancialcpa.com/index.php?option=com_acymailing&ctrl=stats&mailid=42&subid=2" alt="http://stonefinancialcpa.com/index.php?option=com_acymailing&ctrl=stats&mailid=42&subid=2" width="50" height="1" border="0"> </span> <span style="mso-fareast-font-family:"Times New Roman";mso-no-proof:yes"> <img id="_x0000_i1025" src="http://tracking.stonefinancialcpa.com/tracking/open?msgid=ZLz-Wjbu2-hfQ9UFH76izA2" alt="http://tracking.stonefinancialcpa.com/tracking/open?msgid=ZLz-Wjbu2-hfQ9UFH76izA2" width="1" height="1" border="0"> </span> <span style="mso-fareast-font-family:"Times New Roman""> <o:p></o:p> </span> </p> <p class="MsoNormal" style="text-align:center;background:white" align="center"> <span style="font-size:10.0pt;mso-fareast-font-family:"Times New Roman""> <a href="http://tracking.stonefinancialcpa.com/tracking/unsubscribe?msgid=ZLz-Wjbu2-hfQ9UFH76izA2"> <span style="color:black">Manage Email Preferences</span> </a> <o:p></o:p> </span> </p> </div> </body> </html>