This e-mail contains graphics, if you don't see them » view it online.







mailNewsletter 43 | March 2017 | Archives | Services







  trivia pic

March Trivia: Did You Know? …

There are 33.7 million U.S. residents who are of Irish ancestry. That number is almost nine times the population of Ireland itself.

The city of Chicago goes so far to celebrate that they dye their river green.

There are 10,000 three-leaf clovers for every 4-leaf clover.

The very first St. Patrick's Day parade was not in Ireland. It was in Boston in 1737.

15 million cards are exchanged on St. Patrick's Day. 10 percent of all St Patrick's Day cards are sold in New York.







·         Brain Game

Brain Game

15 Up Instructions
Each puzzle must be divided into regions totalling 15. The regions can be any shape as long as all the cells touch each other. Use a pen or pencil to draw the boundaries round groups of cells all adding up to fifteen.

·         Tax Facts About Annuities

Tax Facts
About Annuities

Often touted as a tax-advantaged retirement income resource, the annuity is a complex insurance product. While it offers distinct tax benefits, it’s important to understand how it works from a tax perspective. The following are six important facts you should know:1

Most contributions are not tax-free; the money you initially contribute is not deductible from your tax return.

    1. The exception to this is if you hold an annuity within a traditional tax-deferred account, such as an IRA or 401(k) plan. This is known as a qualified annuity.
    2. Whether you purchase an annuity alone or within a qualified retirement plan, your earnings will grow tax-deferred until distributed.
    3. Annuities are meant for retirement or other long-term needs so they come with a surrender charge period during which you may not be able to withdraw funds without incurring a surrender charge.  In addition, withdrawals taken prior to age 59 ½ may be subject to an additional 10 percent federal tax.
    4. The IRS does not impose a limit on contributions to an annuity like it does for IRAs and 401(k)s.
    5. You generally have to start taking withdrawals from your IRAs or other retirement plan accounts, including qualified annuities, when you reach age 70 ½.

This information is not intended to provide tax or investment advice. Be sure to speak with a qualified professional about your unique situation.

1 Zacks. 2016. "What Is the Difference Between Qualified & Non-Qualified Annuities?" Accessed Dec. 28, 2016.

·         Pre-Retirement Lifestyle Tips

Pre-Retirement Lifestyle Tips

They say you’re never fully prepared to have children; the same could possibly be said for retirement. Life still gets in the way of plans, but one way to work out the kinks is to “test-drive” some of your retirement plans while you’re still employed. Consider the following tips to help prepare for retirement.

Spousal Perspective – Most of us have a vision of how we would like to spend our retirement. Sometimes couples who have been together for so long that they read each other’s thoughts and finish each other’s sentences just assume they share the same retirement dreams. Not so. Often one dreams of spending more time with family while the other imagines long days of peace and quiet on the golf course. One good exercise is for each spouse to create a budget covering the expenses they imagine they’ll have in retirement. It can be quite illuminating to see the differences; comforting to find similarities.

Testing Hobbies – Perhaps you dream of gardening, travel, opening a shop or writing a book. If you haven’t spent a lot of time doing these things in the past, they could fall short of your expectations. Give your hobbies a test run before you invest a lot of money in them. You may find you rather dislike the heat, dirt and bugs that come with gardening, or the logistical work involved with opening a shop. Much like life itself, it’s important to separate the dream of what you’d like to do from the reality of what you’ll actually do in retirement.

Make Exercise a Habit – Unfortunately, newfound leisure time often leads to inactivity, so try out a few low-impact exercise options before retirement to find one you like. Walking, swimming, yoga and Pilates are among the alternatives you may be able to continue throughout a long life. If you start classes now, you’ll have a schedule to follow in retirement — which can help prevent idleness.

Off-Season Visitation – If you’re considering relocating or purchasing a second home for retirement, first be sure to visit your preferred destination during the off-season as well as the high season. For year-rounder’s, you may find the locale to be too cold, too hot, too crowded or too desolate for your taste. For part-timers thinking they might rent out the home part of the year, these same conditions may make it difficult to find qualified renters.

Separate Income Plans – Many couples start out retirement with two people, but unfortunately end up with only one. If their retirement plan leans too heavily on assets of one spouse — such as a single life pension plan — the surviving spouse could experience a significant drop in income. It’s important to develop an income plan for the contingency of each spouse dying first to understand how much income would remain.

Streamline Finances – You might consider consolidating the number of banking and investment accounts you have so there’s less to keep track of. Automate deposits, distributions and bill-paying as much as possible so it’s easier to monitor your incoming and outgoing income.

·         Tax Time is Here!

Tax Time is

Tax season is upon us and going strong!  A quick reminder about deadlines: Corporations are due March 15th and Personals are due April 18th.








March Calendar 2017 Printable


Mark your calendar for these dates in March!

March 12th – Daylight Savings Time: Time to Spring Forward.  Don’t forget to turn your clocks ahead by one hour.

March 17th - Saint Patrick’s Day: is in honor of the Patron Saint of Ireland, who brought Christianity to the Emerald Isles, as Ireland is known. It is truly a day of celebrating Irish history, ancestry, traditions and customs.  Saint Patrick’s' Day has many symbols and traditions, from shamrocks and leprechauns, to green beer and corned beef and cabbage. Saint Patrick's Day parades are popular in many cities around the U.S. Interestingly, the first St. Patrick’s Day parade did not take place in Ireland. It took place in New York City, in 1762.

March 20th – First Day of Spring: everyone is eager to get back to warm weather.

March 30th – Walk in the Park Day: it is an opportunity for exercise and relaxation. Are you stressed out? A walk in the park is just what the doctor ordered. Its calming and therapeutic. Taken after a busy work day, it helps clear your mind and re-energize you. Or, take the walk during lunch and you will find the afternoon of work goes by quicker and easier.  A walk in the park will likely be the most enjoyable part of your day. However, make sure to do so with a clear mind and with your eyes open. In addition to avoiding a fall, open eyes will allow you to take in the beauty of nature's wonders: flowers, and trees, birds, and wildlife.


Brain Game Answer:


Brain Game Answer




Follow us | facebooktwitter






If you're not interested any more » unsubscribe

Manage Email Preferences