tag:blogger.com,1999:blog-64449292080973435582024-03-05T12:41:25.303-08:00You and Your MoneyThe thoughts and insights of Michael Keeler, a Certified Financial Planner™, former radio show host, and President of Peak Financial SolutionsMichael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.comBlogger41125tag:blogger.com,1999:blog-6444929208097343558.post-51063322458338023522019-12-16T11:51:00.001-08:002019-12-16T14:15:44.451-08:00Joint Tenancy Is Not An Estate Plan<!--[if gte mso 9]><xml>
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<!--StartFragment-->
<br />
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Joint
tenancy with right of survivorship (JTWROS)—a common method for spouses to jointly
own property, mutual funds, or stock—means that each listed person owns <b style="mso-bidi-font-weight: normal;">all</b> of the property. When one person
dies, the other becomes the owner of all the assets. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">A big
advantage of using this method is it doesn’t cost anything to add an owner. This
is why it is sometimes called a low-cost estate plan. On the other hand, it can
cause some big problems. Widows and widowers sometimes put their children's
names as joint tenants on investments or add the child's name to the title for
a house. While many do this with the noble goal of ultimately avoiding probate,
it may end up being a huge mistake.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Problem 1: Gift and Estate Taxes<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">When
you put someone who is not your spouse on your property or investment account, it
is taxed as if it is an immediate gift of one-half the value of the property. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Example:
A widower adds his son as a joint tenant to his investment account worth
$150,000. In the eyes of the government, he just made his son a $75,000 gift.
The first $15,000 (2019 numbers) is exempt from gift tax, but <b style="mso-bidi-font-weight: normal;">you must file a gift tax return</b> with
the IRS for the remainder. Fortunately, there will be no tax on the gift as it
is under the lifetime credit of $11.4 million for 2019. In this case, it isn’t
taxable, but you must file a gift tax return.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Problem 2: You Are Giving Away
Part of Your Asset<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">When
you add someone to the title of your asset, the other owner(s) can sell or
mortgage that asset. Even worse, they could lose it to creditors or lose it via
divorce.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Example:
Linda owned a rental condominium in Arizona. She added her son as a joint
tenant for estate planning purposes. Linda paid all expenses and received all
the income. The IRS sued the son for unpaid income taxes and eventually the
condo was sold to satisfy the son’s debt. In this case, the well-intentioned
mother lost an income-producing asset because her son got in trouble with the
IRS.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Problem 3: Loss of Capital Gains
Tax Benefits<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">When a
person inherits an asset through a will or living trust, there is an immediate
step up in basis. A step up in basis helps reduce the gains when an asset is
sold. When an individual receives an asset through joint tenancy, there is only
a step up in basis for the share owned by the deceased. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Example:
A father passes away with a brokerage account worth $200,000 and a cost-basis
of $100,000. If a child inherits the account in a will or trust, the cost-basis
will be stepped-up to $200,000, allowing the child to sell the assets and pay
no capital gains tax. If the account were held in joint tenancy, the father’s
half of the account would receive a step up in basis so the new cost basis
would be $150,000 and there would be capital gains due on $50,000 when the
account was sold.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Problem 4: Probate is Not
Avoided When the Last Owner Dies<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">When
one person on the account passes away, it is simple to transfer ownership to
the surviving owners. However, what happens when the last owner dies? The
account must go through probate. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Example:
A widowed mother and son own a property in joint tenancy. The mother dies and
now the son is the sole owner. When the son dies, the property will still go
through probate. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Problem 5: Probate is Not
Avoided If Both Owners Die Simultaneously<o:p></o:p></span></b></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Unfortunately,
there are times when both owners of an account die at the same time. In this
case there are no surviving owners. The account will now need to go through
probate.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">Example:
As in the previous example, a father and son own property in joint tenancy.
They both pass away at the same time in an accident. The father’s half will go
through probate according to his will. The son’s half will also go through
probate according to his will. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><span style="mso-bidi-font-family: "Times New Roman";">Solutions</span></b><span style="mso-bidi-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">One
simple solution for small accounts is to attach a Transfer on Death (TOD) or
Payable on Death (POD) declaration on the account. This gives the owner
complete control over the asset while alive, yet bypasses probate on death. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">A
better solution may be a living trust. Assets are put into the trust and the
trust will dictate how the assets will be distributed. A living trust can be
very simple (All my assets go to my two kids, Jack and Jill) or complicated (My
trust will pay out $5,000 a month to care for my disabled child). <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="mso-bidi-font-family: "Times New Roman";">A
qualified estate planning attorney can help you through the process to
determine the best option for you. Sometimes people are put off by the cost of
a trust. I like to say, “If you like your kids go see an attorney.”<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<i><span style="color: black; font-size: 8.5pt;">Securities
and advisory services offered through Cetera Advisor Networks, LLC, member
FINRA/SIPC, a broker/dealer and Registered Investment Adviser. Cetera is under
separate ownership from any other named entity. </span></i><i><span style="font-size: 8.5pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">This information is not intended to be a substitute for
specific individualized tax, legal or investment planning advice. We
suggest that you discuss your specific tax issues with a qualified tax advisor.</span></i><span style="mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<!--EndFragment--><br />Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-29745725563670684432017-10-23T07:51:00.001-07:002017-10-23T07:56:18.384-07:00What's On Your Bucket List?<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKr4SsI6DfnpkL0ZtmrBs-USExhfT-5IxMtjMQnggZnZl9_j-LDjVcPcM6xZQ9rxigpa_3e5Rm0477tNiOJyged8W2F9Zj-LSDBkU-cUWVTJD-wzMkC5GMYZqv2umfJJFB9INjKtdMzrD/s1600/BucketList.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="273" data-original-width="185" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOKr4SsI6DfnpkL0ZtmrBs-USExhfT-5IxMtjMQnggZnZl9_j-LDjVcPcM6xZQ9rxigpa_3e5Rm0477tNiOJyged8W2F9Zj-LSDBkU-cUWVTJD-wzMkC5GMYZqv2umfJJFB9INjKtdMzrD/s1600/BucketList.jpeg" /></a>The movie, “The Bucket List” is a great movie starring Jack
Nicholson and Morgan Freeman. It is about two terminally ill men who have a
list of things they want to do before they “kick the bucket.” <u>I think everybody
needs a bucket list.</u></div>
<o:p></o:p><br />
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When is a good time to create your bucket list? Now!
Especially if you are approaching retirement. Sit down and brainstorm ideas, no
matter how silly they are. Skydiving? Drive a race car? Take grandkids to
Disneyland? <b>There are no right or wrong answers.</b><o:p></o:p></div>
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Sometimes a bucket list can lead to a big change in life. My
wife is the queen of bucket lists. On her list was completing a marathon. This
started something in her life and now she’s an Ironman triathlete. Recently,
she climbed Mt. Kilimanjaro, something that definitely was NOT on my bucket
list.<o:p></o:p></div>
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Once you have your bucket list, create a timeline that
describes when you want to accomplish items on your list. <b>Put your longer trips
and more difficult adventures earlier.</b> Your shorter, less taxing things should
go later. For example, skydiving might be easier in your 60s than your 80s. Fourteen-hour
plane flights are easier to do when younger.<o:p></o:p></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG5zKJ0FRF1skYsOFL-LhHjJvVLqto7o-ZG3HxGrjxBBXJ3TgCt1UedWnEq9KHm_9hEvCG6UpnVGremSFIDYtlIFzdivuWOB3b-NTZ5iJwMpkYb5AbV7SQCUexSa5iGb3LFugK_xjZyPx-/s1600/BucketList2.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="168" data-original-width="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjG5zKJ0FRF1skYsOFL-LhHjJvVLqto7o-ZG3HxGrjxBBXJ3TgCt1UedWnEq9KHm_9hEvCG6UpnVGremSFIDYtlIFzdivuWOB3b-NTZ5iJwMpkYb5AbV7SQCUexSa5iGb3LFugK_xjZyPx-/s1600/BucketList2.jpeg" /></a>This list can help you create a budget. These are the fun
things you want to do and some may cost more than others. For example, my wife’s
Mt. Kilimanjaro trek was much more expensive than doing a marathon. Marathons
aren’t very expensive, so she can do several a year. A trip like hiking in Africa
is much more expensive. It may take several years to save up for this trip.<o:p></o:p></div>
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Having your bucket list and timeline can help ensure that
you complete what is important to you. It also helps you budget for your
lifestyle in retirement. When will you write down your bucket list? <i>Start now!</i>
Don’t worry if it changes over time, that can be a good thing. Just ask my
wife, the Ironman.</div>
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Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-35582467159613667932017-10-10T09:38:00.004-07:002017-10-10T10:17:37.082-07:00Relief for Hurricane Victims<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcrpYVJxidVrrMzwsa4lsXINZuqm8dgDp4KK5wqj1HwxZwNmO9h-AA9FEZyhhgzHvgt5tnDu7sfzTguhh4p3ZdWgko0wagjB_pU4DS4vr8Rm-dC5B995JcmxhUds4pGjdPfcdjV9CNEmSq/s1600/Hurricane.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" data-original-height="630" data-original-width="1200" height="168" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgcrpYVJxidVrrMzwsa4lsXINZuqm8dgDp4KK5wqj1HwxZwNmO9h-AA9FEZyhhgzHvgt5tnDu7sfzTguhh4p3ZdWgko0wagjB_pU4DS4vr8Rm-dC5B995JcmxhUds4pGjdPfcdjV9CNEmSq/s320/Hurricane.jpg" width="320" /></a>There’s a little bit of good news for survivors of hurricanes
Harvey, Irma, and Maria. President Trump signed into law the Disaster Tax
Relief and Airway Extension Act of 2017 on September 29. This provides relief
provisions for the victims of these hurricanes, which are basically the same
provided for victims of Hurricane Katrina in 2005.<o:p></o:p></div>
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<br /></div>
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<b>Qualified Hurricane Distributions</b> (I guess we can call these
QHDs) are made from an eligible retirement plan to an individual whose primary
residence is in one of the disaster areas during the specified dates <b style="mso-bidi-font-weight: normal;">and</b> has suffered economic losses:<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: "symbol"; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Hurricane Harvey with distributions between
August 23, 2017 and January 1, 2019<o:p></o:p></div>
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</span></span></span><!--[endif]-->Hurricane Irma with distributions between
September 4, 2017 and January 1, 2019<o:p></o:p></div>
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</span></span></span><!--[endif]-->Hurricane Maria with distributions between
September 16, 2017 and January 1, 2019<o:p></o:p></div>
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<br /></div>
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Each individual can withdraw a maximum of $100,000 per plan.
This means a married couple can withdraw up to $200,000 from plans. IRAs,
401(k)s, and other retirement plans are eligible.<o:p></o:p></div>
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<br /></div>
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Once the distribution has been made, the individual has up
to three years to repay the distribution. The repayments can be made into any
retirement plan belonging to the individual as long as the initial distribution
could have rolled over to that plan receiving the payment. For example, if you
had a 401(k) at both your current employer and a previous employer, you could
do a distribution from the previous employer’s 401(k) and repay it to your
current employer’s 401(k).<o:p></o:p></div>
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<h2>
<b style="mso-bidi-font-weight: normal;">Taxation</b></h2>
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<o:p></o:p></div>
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<br /></div>
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Pre-tax funds withdrawn from qualified plans will be
taxable, however they will not be subject to the 10% early distribution
penalty. Also, there is no mandatory 20% withholding for qualified hurricane
distributions. <o:p></o:p></div>
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<br /></div>
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For most people, a $100,000 distribution would be a significant
taxable event. The new law helps by spreading the tax burden over three years.
For example, if someone took $60,000 from their qualified plan, they would
include $20,000 of income for 2017, $20,000 for 2018, and $25,000 for 2019. It
is also possible to pay tax on the total amount in the year of the
distribution.<o:p></o:p></div>
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If you have been affected by hurricanes Harvey, Irma, or
Maria, the Disaster Tax Relief and Airway Extension Act of 2017 offers
significant options for you to repair the damage to your home. <o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-46084524887512699632017-09-08T12:30:00.004-07:002017-09-11T11:17:44.933-07:00Equifax hack<img class="inline-image" data-id="ce3ca1ba-33d3-4536-b2e6-c9e4781c6c07" height="186" src="https://s3.amazonaws.com/static.contentres.com/media/images/2a27df00-cb67-4c79-aa6c-19f9e3dd0b0a.jpg" style="display: block; margin-left: auto; margin-right: auto;" width="400" /><br />
<br />
<br />
As you probably have heard, the credit reporting agency Equifax announced that it suffered a data breach affecting 143 million U.S. Consumers. This hack exposed names, Social Security numbers, addresses, birth dates, and drivers license numbers. These are all critical pieces of information used by identity thieves.<br />
<br />
<strong>Did this affect me?</strong><br />
You can see if you were a victim of Equifax's hack by visiting <a href="http://www.equifaxsecurity2017.com/">www.Equifaxsecurity2017.com</a><br />
This is probably one of the largest data breaches in history, since most U.S. adults have their credit history on file with Equifax. Because of this, we recommend freezing your credit.<br />
<strong><br /></strong>
<strong>Freeze your credit</strong><br />
You should freeze your credit at each of the three credit bureaus. This freeze locks your credit file with a special PIN. This PIN will be required for anyone to access your credit file.<br />
The following phone numbers and links can be used to freeze your credit:<br />
<ul>
<li>Equifax (866) 349-5191 - <a href="https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp">Credit Freeze</a></li>
<li>Experian (888) 379-3742 - <a href="https://www.experian.com/freeze/center.html">Credit Freeze</a></li>
<li>Transunion (888) 909-8872 - <a href="https://www.transunion.com/credit-freeze/place-credit-freeze">Credit Freeze</a></li>
</ul>
<br />
Depending on your state, it can cost from $0 to $10 to freeze your credit at each agency.Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-81750589886146788772017-05-15T13:07:00.000-07:002017-05-15T13:07:59.882-07:00Congratulations College Graduate!<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeJiWVFJhs30ARLglyNT0U4Dmw6EcC_gaNso0DB_YK6hWdBpCasFYOewMdQ6vdZhxvRR4CKhvKO5eGXLwXaagDOZPMNvtLmEBTRcjxL8rtMgIzFJ7rJNL_Xi3-SFvQeuyP7Lz69HEsJmFv/s1600/Budget.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgeJiWVFJhs30ARLglyNT0U4Dmw6EcC_gaNso0DB_YK6hWdBpCasFYOewMdQ6vdZhxvRR4CKhvKO5eGXLwXaagDOZPMNvtLmEBTRcjxL8rtMgIzFJ7rJNL_Xi3-SFvQeuyP7Lz69HEsJmFv/s320/Budget.png" width="215" /></a></div>
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You
now have your first job out of college. Or maybe you know someone who is in
this situation. <i>What do you do?</i><o:p></o:p></div>
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<br /></div>
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This is an exciting time in your life. You’re probably going
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unfamiliar situation?<o:p></o:p></div>
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<br /></div>
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<b>Your first step is to create a budget</b>. A good rule is
50/20/30. Learning this rule can help you with financial success!<o:p></o:p></div>
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<br /></div>
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The <b>first 50% </b>will go towards your fixed expenses. This includes
things like rent, car payments, and insurance. <o:p></o:p></div>
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<br /></div>
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Next comes an allocation of <b>20%</b> towards your savings &
debt. Start building up your emergency fund (6 months of expenses). If you have
accumulated student loans, you will start paying them from this part. If your
employer offers a 401(k) with a match, make sure to put in enough to get the
maximum match. You don’t want to leave free money on the table! A Roth IRA may
also be a great savings vehicle for you.<o:p></o:p></div>
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<br /></div>
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The <b>last 30%</b> goes to your living expenses. This includes
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buy, like a TV, save some money out of this budget item until you have enough
to purchase it. <o:p></o:p></div>
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<br /></div>
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<b>Many people run into problems because they don’t have an
emergency fund</b>. The emergency fund insulates you from unexpected ‘life events’
like a car accident. By having this fund, you don’t have to go into debt to
handle the situation.<o:p></o:p></div>
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Your budget isn’t etched in stone. It will change over time.
But if you can stick to the 50/20/30 principles, you should be able to live
comfortably without the stress of money.<o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-42857992812884672692017-05-07T13:25:00.000-07:002017-05-07T13:26:10.839-07:00Teachers: 403(b) or Roth IRA?<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWBVLLHgRNmqhFhy2QNaFV_CXbhJFZXIktLRW2BKN3DKLSRrhND65UgxWovVJpI087nUirFURVQsZ55qyRsUeN5Jd2dOfkyWsrkTPyr1Xnbyo1RZazI2UqG_WsWdeG9VPsq2u87WlkNte4/s1600/403%2528b%2529orRoth.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhWBVLLHgRNmqhFhy2QNaFV_CXbhJFZXIktLRW2BKN3DKLSRrhND65UgxWovVJpI087nUirFURVQsZ55qyRsUeN5Jd2dOfkyWsrkTPyr1Xnbyo1RZazI2UqG_WsWdeG9VPsq2u87WlkNte4/s400/403%2528b%2529orRoth.png" width="266" /></a>Teachers often have a wide range of 403(b) (or Tax Sheltered Annuity) options. They usually have choices of several annuities and some mutual funds. The 403(b) program offers the opportunity to defer taxes until retirement.<br />
<br />
<b>Tax deferral means you save on taxes today.</b> Unfortunately, that means you will be paying taxes in the future. A future tax bill means a future debt to Uncle Sam.<br />
<br />
Some people have found that they end up paying just as much tax in retirement as when they were working. How can that be? During working years, people often have some big tax deductions due to mortgage interest and kids. In retirement, people usually have their mortgage paid off and the kids are out of the house. Without those major deductions, people usually take the standard deduction, meaning they don’t have many write-offs.<br />
<br />
This is where the Roth IRA can be handy. As you draw money out of your Roth IRA at age 59 ½ or later, the money is<u> totally tax free</u>! The one exception to this is if your initial contribution was less than 5 years ago, you must wait 5 years to take out the gains.<br />
<br />
<b>The Roth IRA also has the advantage of being able to withdraw the principal tax AND penalty free! </b>While it isn’t a good idea to take money out of your IRA early, it is a nice option in case you have an emergency.<br />
<br />
The Roth IRA does have some downside vs 403(b)s. As of 2017, you can only contribute up to $5,500 (or $6,500 if you’re over 50) while you can contribute up to $18,000 ($24,000 if you’re over 50). Also, you must earn less than $118,000 ($186,000 if married filing jointly).<br />
<br />
The answer doesn’t have to be only Roth or only 403(b). Sometimes a combination of both can be the right choice. This makes sense when you can contribute more than the maximum Roth limits.<br />
<br />
Which is your best option? 403(b) or Roth IRA? We can review your tax return and help you decide. As a financial planning firm that offers access to both 403(b) and Roth IRAs, we can help you make the right choice. Call us at (702) 870-7711 or email us at info@PeakFinancialSolutions.com<br />
<div>
<br /></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-28905771895578667752017-04-03T13:36:00.000-07:002017-04-03T13:36:42.465-07:00Five Easy Steps to Use a Tax Return to Fund an IRA <div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi32pNf-WOQqFFXo0ZObYaTf-CyWmVX3dAiWuS9t_EknP7FiQlzxBEk3Qce_LWH22qkfGbNVIh40QglpSxSxaTqxyFrkWrO9LAstzA5GmIvymQki9zPqHF1Xbc_r1fSdX4yPrDH2Il10zSg/s1600/1040.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="137" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi32pNf-WOQqFFXo0ZObYaTf-CyWmVX3dAiWuS9t_EknP7FiQlzxBEk3Qce_LWH22qkfGbNVIh40QglpSxSxaTqxyFrkWrO9LAstzA5GmIvymQki9zPqHF1Xbc_r1fSdX4yPrDH2Il10zSg/s200/1040.jpg" width="200" /></a><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Did you know that you can have your income tax refund
directly deposited into an IRA? The maximum you can contribute is $5,500 (or
$6,500 for those 50 and over) for 2016 and 2017. Best of all, you can split
this between multiple accounts. So a husband and wife with a<span style="mso-spacerun: yes;"> </span>refund of $11,000 can fully fund both their
IRAs!<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>Here are the five steps:</b><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>Prepare your tax return. </b><o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>How much is your refund?</b> You can
only fund up to the maximum limits of the IRA. <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span><span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; line-height: normal;"><b>
</b></span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>How many accounts? </b>If you have only
one IRA to fund, that can be done on the 1040. If you have multiple accounts,
prepare IRA Form 8888 to direct the refund to up to three accounts. <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span><span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-style: normal; font-variant: normal; line-height: normal;"><b>
</b></span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>Be careful!</b> There are six cautions
provided by the IRS on Form 8888. Make sure you do not fall into any of these
traps. <o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"><b>Follow up! </b>If you are doing a deposit
for the previous year, make sure the custodian codes the deposit correctly. If
your refund is adjusted due to errors, you may need to do an amended return to
adjust the IRA deposits. <o:p></o:p></span></div>
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<span style="font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";">Source IRAHelp.com</span></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-30884857201212560322017-04-01T09:39:00.000-07:002017-04-01T09:41:24.370-07:00Financial Literacy Month<!--[if !mso]>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlzecLnL6NPwJ4272cBJWbWHXms_LyZ6O6O1734K34wYpVCpKovbTTAxPbcZ6ES3Q4lRAwTGaytJU0_W8AqwFFIKZnIhlun_sPliNyVVRxQZ1FVm7-NuOOmuas4ewUssXMX-HKs12x-Wiv/s1600/Financial+Literacy+Month+%25281%2529.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlzecLnL6NPwJ4272cBJWbWHXms_LyZ6O6O1734K34wYpVCpKovbTTAxPbcZ6ES3Q4lRAwTGaytJU0_W8AqwFFIKZnIhlun_sPliNyVVRxQZ1FVm7-NuOOmuas4ewUssXMX-HKs12x-Wiv/s320/Financial+Literacy+Month+%25281%2529.png" width="213" /></a>April 2017 is Financial Literacy Month. This is a great time
to review your financial plan to see if you are on track, or if you haven’t
created a plan, do it!<o:p></o:p></div>
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<br /></div>
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First, let’s revisit the five key areas of Financial
Planning:<o:p></o:p></div>
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<b>Protection</b> – This is your insurance program. When is the
last time you reviewed your homeowners and auto insurance? If it was more than
5 years ago, go meet with your agent! Do you have enough life insurance? Has
something significant happened in your life, such as marriage, divorce, having
a kid, or buying a house? This is a great time to re-evaluate your life
insurance needs.<o:p></o:p></div>
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<br /></div>
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<b>Retirement Plan </b>– How will you accumulate enough money to
retire? Social Security was never designed to be 100% of your retirement
income, so this is very important. A financial plan not only tells you how much
money you need in retirement, but how you will save that money. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
<b>Tax Planning</b> – Are you taking advantage of every opportunity
to reduce your taxes? IRAs, 403(b)s and 401(k)s are great methods of reducing
your taxes. In retirement, how will you draw your money out in a way that keeps
your taxes low?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Estate Planning</b> – Do you have an estate plan? If so, when
was it last reviewed? A proper estate plan makes sure your money goes to who
you want, when you want, and at the least cost possible. There are also other
important documents like a living will and health care power of attorney that
are essential to have. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Investments</b> – Are your investments working for you
efficiently? Do they meet your risk tolerance? Often people have no idea if
their portfolio meets their risk tolerance. Here’s a quick thing to do: <a href="https://goo.gl/jPOFKP" target="_blank">calculate your risk tolerance</a>.<o:p></o:p></div>
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<br /></div>
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<u>Where do you fit on your Financial Literacy?</u><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Advanced</b> – If you have been walking the walk for some time,
this is a great time to fine tune your plan. Have you reviewed your beneficiary
statements? If you can’t even find them, fill out new ones and send them in. It
never hurts to update them, even if there are no changes.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Moderate</b> – Maybe you have started planning. How about
reviewing your plan to make sure your goals haven’t changed or to see if you’re
still on track?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Newbie</b> – This is a great time to get started! Time is money
(see this: <a href="https://goo.gl/tW1h1U">https://goo.gl/tW1h1U</a> ) and the
more time you have, the easier it is to achieve your plan.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Financial Awareness Month is a great time for everybody to
review their financial plan, whether they have planning for many years or just
starting out. A CERTIFIED FINANCIAL PLANNER™ practitioner can go a long way to
helping you have an enjoyable retirement.<o:p></o:p></div>
<!--EndFragment--><br />Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-85967717260751282142017-03-27T09:55:00.000-07:002017-06-03T12:36:56.772-07:00Required Minimum Distributions<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicOQn2EP-98L1X2HCh42zE4JWoGPidvvvNoG9Ue45fPpI2IqTK-ovclQdlLXtYqJXmtsTWTKJWNt5kWoA6ilp6cPNKuFk9vs4HyURoIyj6ek6lCSklwoHN1cQiFf5yx0UmMFJHdo_s7cGa/s1600/RetirementC.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEicOQn2EP-98L1X2HCh42zE4JWoGPidvvvNoG9Ue45fPpI2IqTK-ovclQdlLXtYqJXmtsTWTKJWNt5kWoA6ilp6cPNKuFk9vs4HyURoIyj6ek6lCSklwoHN1cQiFf5yx0UmMFJHdo_s7cGa/s320/RetirementC.jpg" width="320" /></a>“Why is the government making me take my money out?” As a
financial advisor, I hear this question frequently. When you reach 70 ½, you
must take Required Minimum Distributions (RMDs) from your retirement accounts.
It isn’t a large amount, less than 4% the first year.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The reason you need to take money out of your retirement
accounts isn’t as evil as people make it out to be. This of it this way:<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When you were making money, you could put $1,000 into your
IRA, 401(k), 403(b), or other qualified retirement account. If you didn’t put
it into your account, the money would end up in your checking account. However,
you would receive less, because you would pay tax on it. If you were in the 25%
tax bracket, you would have $750, and Uncle Sam would get $250.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Fortunately, you decided to put the money into your
retirement account instead. You kept Uncle Sam’s money. The $1,000 continued to
grow and grow. Even Uncle Sam’s portion was working for you! <b>In fact, this
is like an interest free loan from Uncle Sam!</b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The IRS says you must start taking money out of your IRA at
70 ½. Why 70 ½? Why not 70 or 71? I have researched this quite a bit and found
no definitive answer. My best guess is this is a result of a compromise.</div>
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<br /></div>
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</v:shape><![endif]--><!--[if !vml]--><!--[endif]--><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifSGPbDfeJFT502YyarLy4iHu8_NJxf1LIorRmxfvmD5LDpl6k0j2CqG4XO3nqpk-2u3NmL6IYjX9AogPDDRhvq6j-AMS4PqRBAl2bBDBUr0hSXB3B8kE1Gt39h1Txi6XrmjNbhS17eogS/s1600/RMD.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="298" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEifSGPbDfeJFT502YyarLy4iHu8_NJxf1LIorRmxfvmD5LDpl6k0j2CqG4XO3nqpk-2u3NmL6IYjX9AogPDDRhvq6j-AMS4PqRBAl2bBDBUr0hSXB3B8kE1Gt39h1Txi6XrmjNbhS17eogS/s320/RMD.png" width="320" /></a>Your
RMD is calculated by a formula. They look at your account value at the end of
the previous year. This amount is divided by your life expectancy. For example,
if your IRA was worth $100,000 on 12/31 of the previous year and you will be 70
in the year in which you turn 70 ½, $100,000 divided by 27.4 = $3,649.64. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Now that you know how much money you must take out of your
account, what do you do with it? First, most people withhold a portion for taxes.
Talk to your tax accountant to see how much they recommend.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
What do you do with the rest of the money? You have three
choices, save it, spend it, or give it away. Let’s talk about these options:</div>
<div class="MsoNormal">
</div>
<ul>
<li><b>Save it</b> –
You can put the money into your savings account or into an investment. This
money can be for a rainy day.</li>
<li><b>Spend it</b> –
This money can be used for living expenses, vacations, Christmas presents, or
anything else you can think of</li>
<li><b>Give it
away</b> – If you don’t need the money consider giving it to a charity or
organization you are passionate about. It can go to your church, the local food
bank, or any of the thousands of wonderful groups out there. Best of all, if
you use a Qualified Charitable Distribution (QCD) your RMD can be tax free!
(<a href="http://blog.peakfinancialsolutions.com/2016/05/qualified-charitable-distributions-are.html" style="font-size: 12pt;" target="_blank">see this article</a><span style="font-size: 12pt;">)</span></li>
</ul>
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<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>When is the best time to take your RMD?</b> There really is no
best time. I have some clients who like to take it in the spring so they have
money for summer trips. Other clients take it in October so they can buy
Christmas presents for grandkids. Some clients take it monthly to supplement
their income. Just find a distribution method that works for you.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
If you have a Roth account (Roth IRA, Roth 401(k), etc.) the
good news is you never need to take an RMD from this account. This account can
remain tax free and go on to your heirs if you wish.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>What happens if you miss your RMD?</b> This is a big penalty –
50% of what you should have taken out. If your RMD should have been $4,000, you
owe a $2,000 penalty. It is cheaper to take the money out and pay the tax. You
can fill out IRS Form 5329 and try to have the penalty waived. They will often
forgive a mistake. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Required Minimum Distributions are just a fact of life and
not that complicated. They are not an evil attempt by the government trying to
get your money. In fact, they just want part of their money back. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-44202127426083573372017-03-01T14:17:00.000-08:002017-03-01T14:17:10.616-08:00Paying Extra on Your Mortgage: Good Idea or Bad?<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY8lceUViVr3rLLEJPSDIFeq0xJiaLW2VxS1qxU7zPY4T1xbumJhmYqnv8rv__LdVWkPoQsKsknv2i9cux7cuPhMv3dUSROzEGVwtLVddIBtcBLk43UHxb79GsCE_4fXI2NwGlen0sGfzf/s1600/House.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiY8lceUViVr3rLLEJPSDIFeq0xJiaLW2VxS1qxU7zPY4T1xbumJhmYqnv8rv__LdVWkPoQsKsknv2i9cux7cuPhMv3dUSROzEGVwtLVddIBtcBLk43UHxb79GsCE_4fXI2NwGlen0sGfzf/s320/House.png" width="320" /></a><span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;">Many people dream of that paid off home
mortgage. It really is a great goal, but could there be other goals that are
more important? This is where you need to think logically, not emotionally.<o:p></o:p></span><br />
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;"><br /></span>
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;">It
is important to realize that your retirement accounts will generate income for
you. This income can be used to supplement your Social Security. According to
the Social Security Administration, Social Security can replace up to 40% of
your pre-retirement income while most people need 70% of pre-retirement income
for living expenses. <b>Without enough money in your retirement accounts, you may
not have enough income!</b><o:p></o:p></span><br />
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;"><br /></span>
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;">For
many people, their priority should be <b>funding their retirement accounts and
emergency accounts</b>. Fund 401(k), IRAs, Roth IRAs first, and if there is extra
money left over, then you can put it towards your house. The money in your
retirement accounts can grow with time (see <a href="http://blog.peakfinancialsolutions.com/2014/05/time-is-money.html" target="_blank">Time is Money</a>).<o:p></o:p></span><br />
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;"><br /></span>
<span style="color: #222222; font-family: Times New Roman;"><span style="font-size: 12pt;">These
days we see TV stars </span><span style="font-size: 16px;">extolling</span><span style="font-size: 12pt;"> the benefits of the reverse mortgage. "It
can provide extra money to live on," they say. And this is true. But a
reverse mortgage can be an <b>expensive</b> way to take money out of your house. If
these people could go back in time and max out their retirement savings
before paying extra on the house, they might be in a better position.<o:p></o:p></span></span><br />
<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;"><br /></span>
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<span style="color: #222222; font-family: "Times New Roman"; font-size: 12.0pt;">What
really counts in retirement is cash flow. If your income covers all your
expenses, you are doing fine. <o:p></o:p></span>Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-56006417000853956762017-02-21T20:37:00.002-08:002017-04-03T13:37:13.199-07:00Inheriting an IRA? Here are some Dos and Don’ts<div align="center" class="MsoNormal" style="text-align: center;">
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Many people who
inherit an IRA think they will roll the decedent’s IRA into their own. This is
permissible in some cases and prohibited in others. To complicate things even
further, sometimes when it is permissible, it is still the wrong thing to do.
So how do you decide?<o:p></o:p></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0Ajj9huK1lHSyH0JtShrqBLfQOtUdk61IzNSzwz5p8K2R8ikyUzwdbfXkIulJsEg10eEd8vXwOSnl_Ud7TK4rl__A8jLaepynZEv-Bmk-5T6LaAHs4-gDsGjzR0SK07OtjtHsLcwUSG7-/s1600/Monopoly.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="158" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh0Ajj9huK1lHSyH0JtShrqBLfQOtUdk61IzNSzwz5p8K2R8ikyUzwdbfXkIulJsEg10eEd8vXwOSnl_Ud7TK4rl__A8jLaepynZEv-Bmk-5T6LaAHs4-gDsGjzR0SK07OtjtHsLcwUSG7-/s320/Monopoly.png" width="320" /></a><o:p> </o:p></div>
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One option is to take all the money out at once. For some
people, this can be quite a taxable event. If you don’t feel like paying a
large amount of taxes, read on.<o:p></o:p></div>
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<br /></div>
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The first thing to determine is are you the spouse of the
decedent. If you are the spouse, you have more options. If the decedent is your
parent, child, sibling, relative, or friend, then you are a non-spouse
beneficiary and must go by those rules. <o:p></o:p></div>
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<b style="mso-bidi-font-weight: normal;"><u>Spouse</u></b><o:p></o:p></div>
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<br /></div>
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If your spouse passes away, one option you have is to roll
the deceased person’s IRA into your own IRA. This has a number of advantages:<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span>Simplification –
fewer accounts makes life much easier<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->RMDs – Required Minimum Distributions that start
at 70½ will be based on your age. This can be a big benefit if your spouse was
older.<o:p></o:p></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l2 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Protection from creditors – Inherited IRAs are
not protected from creditors. By rolling the money into your own IRA, you gain
creditor protection.<o:p></o:p></div>
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<br /></div>
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There are some disadvantages to rolling a deceased spouse’s
IRA into your own:<o:p></o:p></div>
<div class="MsoListParagraph" style="mso-list: l0 level1 lfo2; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Age 59½ - If you are not yet 59½, you might
think twice about rolling the IRA into yours. What if you need the money? You
will be penalized 10% if you take the money out before age 59½. Instead, if you
convert it to an inherited IRA, you will have the ability to take money out of
the account without the 10% penalty, even if your spouse was younger than 59½
at passing.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b style="mso-bidi-font-weight: normal;"><u>Non-Spouse</u></b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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If you are a non-spouse beneficiary of an IRA, you have some
options which vary depending on the decedent’s age. If the decedent was younger
than 70½, you have two options:<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l1 level1 lfo3; text-indent: -.25in;">
<!--[if !supportLists]--><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Take distributions within 5 years of the date of
death - This can be all at once or over the 5 years.<o:p></o:p></div>
<div class="MsoListParagraphCxSpLast" style="mso-list: l1 level1 lfo3; text-indent: -.25in;">
<!--[if !supportLists]--><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibJ3hnycWNeMs0eJfHW3YVGN9xT0X6XwDXOIyBqU_UU6APL4npcUgJqKJY3iwGeOt7bdu79eQlgoyGsL61mmuyuQ1PLRY4LyNvXtQmpfqchdQofAUN8d4yaBlyC6xKoD1_o-qZma4LbO4N/s1600/LastWill.png" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="239" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEibJ3hnycWNeMs0eJfHW3YVGN9xT0X6XwDXOIyBqU_UU6APL4npcUgJqKJY3iwGeOt7bdu79eQlgoyGsL61mmuyuQ1PLRY4LyNvXtQmpfqchdQofAUN8d4yaBlyC6xKoD1_o-qZma4LbO4N/s320/LastWill.png" width="320" /></a><span style="mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";">
</span></span></span><!--[endif]-->Take distributions over your lifetime – This is
a great option if you don’t need the money now. You can take a required minimum
distribution (RMD) based on your life expectancy. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
If the decedent was over 70½, then you have the option to
distribute the IRA over the longer of the life expectancy of the decedent or
yourself. Because of this rule, a child or grandchild can stretch the IRA for
quite a few years!<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Inheriting an inherited IRA can be even more complicated.
Consider this example. Father passes away, and the daughter inherits the IRA.
She rolls it over into an inherited IRA and starts distributions over her
lifetime. Then the daughter passes and her son becomes the beneficiary. Can the
son stretch this IRA?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The answer is no. He can continue the schedule that his
mother was on, or take it all out without penalty. IRAs can only be converted
into Inherited IRAs once.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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If you have questions about inheriting an IRA, give our
office a call at (702) 870-7711 to make sure you have all the information you
need.<o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-60168546763941080502017-01-31T14:12:00.002-08:002017-01-31T14:12:35.735-08:00Fourth Quarter of 2016 Recap<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlGCPX2hILMO71_5EMYaYZ-cTogli7bJT347iBcx1TItG3ceHxmkdwtifWHY2RwZyNCvWn2e8ejiMNUxl3pho-9beSrHTOqPZYqzUIfwfsgjWmFo5tCvvULbwREFjh3Puxt96xH5Mfsnb1/s1600/newsletter.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjlGCPX2hILMO71_5EMYaYZ-cTogli7bJT347iBcx1TItG3ceHxmkdwtifWHY2RwZyNCvWn2e8ejiMNUxl3pho-9beSrHTOqPZYqzUIfwfsgjWmFo5tCvvULbwREFjh3Puxt96xH5Mfsnb1/s1600/newsletter.jpeg" /></a></div>
Every quarter we publish a newsletter reviewing what happened in the market and discuss any changes in laws that might affect our clients.<a href="https://drive.google.com/open?id=0B8O1SJbCXA7PNTA3Qy1FNXp0Ylk" target="_blank"> Click here to download our 4th Quarter of 2016 recap.</a><br />
<br />
If you aren't on our mailing list, subscribe by <a href="http://eepurl.com/c7dWo" target="_blank">clicking here</a> and we will add you to our list.Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-81788530624914568322017-01-31T07:52:00.002-08:002017-01-31T07:52:17.436-08:00Key Financial Data for 2017The one constant we have in life is change. This is especially true in the financial services world. Tax brackets, contribution limits, income limits and more can change from year to year. Do I memorize these? Nope. I have a handy cheat sheet with all the numbers. If you would like a copy, just <a href="https://drive.google.com/open?id=0B8O1SJbCXA7PVHVwTnJ6RUliSTg" target="_blank">click here.</a>Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-84414668058159789452016-10-27T21:08:00.003-07:002016-10-27T21:08:36.862-07:00What is with all these personal questions?<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEdc9zT-IHOx2N5eEqOYGgnIWWCT691UhS2YxsHV3WUtMXCLkHPCfndLDhIGpE4wQKFVOxG1i67f2LaUnBcipqHPiWd8JkrXBnZ5m5dAP21DBNqto3Jbn_tJmhqh6MiqtnVB9IRGzuYYl2/s1600/Question.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="225" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEdc9zT-IHOx2N5eEqOYGgnIWWCT691UhS2YxsHV3WUtMXCLkHPCfndLDhIGpE4wQKFVOxG1i67f2LaUnBcipqHPiWd8JkrXBnZ5m5dAP21DBNqto3Jbn_tJmhqh6MiqtnVB9IRGzuYYl2/s320/Question.jpg" width="320" /></a><o:p> </o:p></div>
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<b>Why is my financial planner asking me all these personal
questions? </b><o:p></o:p></div>
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As a financial planner, I have to ask many personal
questions. It helps me do my job. I may ask the following:<o:p></o:p></div>
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<ul>
<li>Age</li>
<li>Risk tolerance</li>
<li>Income</li>
<li>Net worth</li>
<li>Other investments</li>
<li>Tax rate</li>
<li>Investment time horizon</li>
<li>Liquidity needs</li>
<li>Investment experience</li>
<li>Height, weight, health history</li>
</ul>
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Why would I need to see a 401(k) statement if I’m not
managing it for a client? I want to make sure that the whole portfolio, including
what I manage and what I do not manage, is properly balanced. Without seeing
the 401(k) investments, the portfolio could be overweight in one area.<o:p></o:p></div>
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Risk tolerance, income, net worth and tax rate are all
useful in creating a portfolio for the client. Some people can handle market
volatility, others can’t. Do we need to use investments that are tax sensitive
to help reduce taxes?<o:p></o:p></div>
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Your investment time horizon can differ between accounts.
You may have some money for a child’s college education that will be needed in
a few years, while your retirement accounts won’t be touched for much longer. This
may mean we want to be more conservative with the investments that will be used
soon.<o:p></o:p></div>
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Your health history is also important when calculating
retirement needs. We want to make sure you don’t run out of money in
retirement! You will be asked about your height, weight, and health history if
you are applying for any type of life insurance. This information is used to
generate proposed insurance quote. However, this quote is not guaranteed and is
subject to approval by the life insurance company’s underwriters. <o:p></o:p></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiieviTypnmxqdlRFPQ9bJ-Hi-MdBG6YxJ8KzrSG1pUK-JI7m849njTChQRpZiD4fOqusu6dFO8EYF-UBU3-oFXbDPmizH6ZAMIIEdzI9RAkYV0npS41dHhKwT2-DCy0XGWWwIxAfH5ujiz/s1600/questions-1014060_960_720.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiieviTypnmxqdlRFPQ9bJ-Hi-MdBG6YxJ8KzrSG1pUK-JI7m849njTChQRpZiD4fOqusu6dFO8EYF-UBU3-oFXbDPmizH6ZAMIIEdzI9RAkYV0npS41dHhKwT2-DCy0XGWWwIxAfH5ujiz/s320/questions-1014060_960_720.jpg" width="320" /></a>Gathering this information is also part of the industry
rules. The Financial Industry Regulatory Authority (FINRA) as created a rule to
help planners and their supervisors determine the suitability of an investment.
Without this information, it may be tough to determine if an investment or
investments are right for the investor.<o:p></o:p></div>
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For example, if we put $10,000 into a risky investment, is
it suitable for the client? If the client is young or has $1,000,00, it could
be suitable for the client. If the client is 80 and only has $15,000, then it
is definitely <b style="mso-bidi-font-weight: normal;">not</b> suitable.<o:p></o:p></div>
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Most transactions are reviewed for suitability to protect
the investor. The collected information helps the supervisors determine if the
transaction is suitable. If the investment is not found to be suitable, the
transaction can be rejected or more information may be required.<o:p></o:p></div>
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Yes, a financial planner can ask many personal questions. It
may even make you feel uncomfortable. However, your answers are kept
confidential. In the end, the better your financial planner knows you, the
better job he can do for you.<o:p></o:p></div>
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Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Level 9"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="List Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="List Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark Accent 4"/>
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Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-48297347779154349442016-10-12T15:04:00.000-07:002016-10-12T15:04:02.571-07:00Paperwork, paperwork, paperwork!
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I hear this frequently:</div>
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<span style="font-size: large;">"Mike, what is with all this paperwork that I get?"</span><o:p></o:p></div>
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<br /></div>
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Investments come with all kinds of paperwork. You will see
it flooding your mailbox. Some people don’t even bother reading the mail.
Instead, they wish it would go away. It comes to you because the law says it has to. <o:p></o:p></div>
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<br /></div>
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What are these different types of documents that you will be
getting? They can be:<o:p></o:p></div>
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<ul>
<li><b>Statements</b> – a statement tells you how much your investment
is worth. It may come monthly, quarterly, or annually depending on the company
and how active you are.</li>
<li><b>Confirmations</b> – a confirmation is generated when you add
money or take money out of an investment. It usually tells you the amount and
execution date. Often, the confirmation will not tell you how much your
investment is worth. Unless you understand the purpose of the confirmation, you
may wonder why there is not account value.</li>
<li><b>Prospectus</b> – a prospectus gives you information about your
investment. It discusses the risks and strategy of the investment. It usually
comes on very thin paper and is often difficult to read. Many people wonder why
these are sent out. The law requires the prospectus to be sent to every client.</li>
<li><b>Tax information</b> – You will get Form 1099 or K-1 from your
investments. This is needed to prepare your taxes.</li>
</ul>
<br />
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<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<o:p></o:p></div>
<!--EndFragment-->
<div class="MsoNormal">
<b><br /></b></div>
<div class="MsoNormal">
<b>Do I need to keep all
of this paperwork?</b> Fortunately, the answer is no. Much of this information
is available on the internet. Investments have the current prospectuses
available for download at any time. Most companies will have a way to log in
and view your account, statements, and tax forms.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Do I need to keep any
of the paperwork?</b> I highly recommend keeping your year-end statements and
tax forms. Year-end statements are usually a good summary of what transpired
during the year. Your tax forms are essential for preparing your taxes or during
an audit.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>How do I get less
paperwork in the mail?</b> Many investment companies look to reduce costs and
one way to do it is to send the information electronically. If you sign up for
electronic delivery, you will save your investment money which in turn benefits
the investors. I have created a special e-mail account just for my statements.
This way the investment communication is easy to track and doesn’t get lost in
my regular email. You can easily sign up
for an extra e-mail account at any of the free e-mail companies, such as
Google’s Gmail. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Paperwork can seem like a never ending battle. Knowing what
to keep can help you save file cabinet space. Cleaning out the old, unneeded
documents will also save space and really help your estate executors out when
they have to deal with the records.<o:p></o:p></div>
<!--EndFragment--><br />Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-39933885884854029712016-08-26T08:39:00.001-07:002016-10-12T15:05:52.960-07:00IRS Provides Relief for 60-Day Rollover Failures<div class="MsoNormal">
Starting August 24, 2016, the Internal Revenue Service (IRS)
has enacted new procedures for taxpayers who miss the 60-day deadline for
retirement account rollovers to get relief. Taxpayers who qualify can submit a self-certification
letter to either the IRA custodian or plan administrator to get an extension of
their deadline.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Previously, 60-day rollover mistakes could be remedied
through Private Letter Rulings (PLRs). Unfortunately, the cost of PLRs was
increased in 2016 to $10,000, and this fee doesn’t even include the
professional fees a client would need to pay to file the ruling. The new
procedures provide a simpler and free method to avoid the negative tax
consequences of a failed rollover.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The IRS explains the new procedures in <a href="https://www.irs.gov/pub/irs-drop/rp-16-47.pdf" target="_blank">Revenue Procedure2016-1</a>7. In this procedure, the
taxpayers apply for an extension of the 60-day deadline to avoid the penalties
and/or taxes of a failed rollover.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
To qualify for this new procedure, one of more than eleven
possible circumstances must apply to the taxpayer. These include death or
serious illness of a family member, incarceration, postal errors, and misplaced
checks. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Revenue Procedure 2016-17 includes a sample letter that the
taxpayer can use to provide written certification to the IRA trustee or plan
administrator. Once filed, the individual must make the contribution to the
plan or IRA. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This <b>does not apply</b> to people who have violated the
once-year or any other rollover rule. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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Sometimes life events do get in the way of IRA rollovers. It
is great news to hear that the IRS understands this and now provides methods
for avoiding the penalties.<span style="mso-spacerun: yes;"> </span><o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-10989561514639819012016-05-13T15:55:00.000-07:002016-05-13T17:09:51.664-07:00Qualified Charitable Distributions Are Here To Stay!<div align="center" class="MsoNormal" style="text-align: center;">
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjAnjOZLAXKiD1HsnD1Jqv_1_rlXFKHDeDrjpWOYpiPhyphenhyphen4GTgtewqi-1NzRNgQ7zM5NpGVYxPbgyA-gRLSY8yUKjdVBIKIrgD1sTFmvBlERf-h6nEyLEuieCqirefqkpewUtvKx35EqKGd/s1600/Charity.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjAnjOZLAXKiD1HsnD1Jqv_1_rlXFKHDeDrjpWOYpiPhyphenhyphen4GTgtewqi-1NzRNgQ7zM5NpGVYxPbgyA-gRLSY8yUKjdVBIKIrgD1sTFmvBlERf-h6nEyLEuieCqirefqkpewUtvKx35EqKGd/s320/Charity.jpg" width="320" /></a></div>
<div class="MsoNormal">
<span style="font-family: "times new roman";"><b>Qualified
Charitable Distributions</b> (QCDs) are distributions from your IRA that go
directly to a charity without paying any taxes. For example, if you wish to
donate $10,000 towards your church, you could do a $10,000 distribution to your
church from your IRA. As long as the money goes directly to the church or the
check is made payable to it, that $10,000 is not taxable. As a bonus, that
$10,000 also counts towards your Required Minimum Distribution (RMD).<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman";">QCDs were not
part of permanent legislation. For years, Congress would renew QCDs for a
single year. Would they renew it next year? You never knew. Fortunately, a bill
called the <b style="mso-bidi-font-weight: normal;">Protecting Americans from Tax
Hikes</b> (PATH) Act of 2015 made QCDs permanent. <o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "times new roman";">There are some
important rules when dealing with QCDs. Here are a few of them:<o:p></o:p></span></div>
<div class="MsoNormal">
</div>
<ul>
<li><span style="font-family: "times new roman";">They only apply
to IRA owners or beneficiaries who are actually 70 ½ or over. If you aren’t 70
½ yet but will be later this year, you have to wait until you actually 70 ½.</span></li>
<li><span style="font-family: "times new roman";">Maximum
contribution of $100,000</span></li>
<li><span style="font-family: "times new roman";">Counts towards
RMD</span></li>
<li><span style="font-family: "times new roman";">Must be made by
direct transfer or a check payable to the charity.</span></li>
<li><span style="font-family: "times new roman";">Does not count
towards deductions, but is not included in income.</span></li>
</ul>
<br />
<div class="MsoNormal">
<br /></div>
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<span style="font-family: "times new roman";">The PATH Act
really helps us by making QCDs permanent. Knowing that you can do one each year
helps you do better tax planning for now and the future. If you have questions
on doing QCDs, please give us a call at (702) 870-7711.<o:p></o:p></span></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-21680987575434920622016-03-10T15:51:00.004-08:002016-03-10T15:51:54.303-08:00Do you need a health care power of attorney?<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt4j0weF6SIYH2EvTrvVu6sqXr35V2-Def1OnwHA6jM2HEJk8znM2xkzIY8tiDxrX6s6UzS4Rdi4o4QQGowrEDfjTSYYgwyIRaBIl3mOuGU2yUj7UoGBBprTzfPqBhv57T8mjGSi8UVYS6/s1600/imgres.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjt4j0weF6SIYH2EvTrvVu6sqXr35V2-Def1OnwHA6jM2HEJk8znM2xkzIY8tiDxrX6s6UzS4Rdi4o4QQGowrEDfjTSYYgwyIRaBIl3mOuGU2yUj7UoGBBprTzfPqBhv57T8mjGSi8UVYS6/s400/imgres.jpg" /></a>Do you really need a health care power of attorney? According to Las Vegas attorney, <a href="http://www.rebeccahmurray.com/" target="_blank">Rebeccah Murray,</a> "<b>Anybody over the age of 18 needs a health care power of attorney.</b>" This important document will allow family or friends to talk with your doctors if you are not able to.<br />
<br />
I heard a story of some parents who received a call at 2 am. Their daughter, who lived several hours away at college, was injured and the hospital needed to review insurance information. When the parents asked about the daughter's condition, no information could be given because the daughter was over 18 and no health care power of attorney existed. Imagine driving for several hours to the hospital without knowing what was going on. This would be a nightmare!<br />
<br />
This document is very simple and you can find one on the internet or at a legal forms store. Most require a notary to witness the signature. Many attorneys will include one as part of a living trust.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLm_0bQwty_JbsxKGM5uuZn8mk3qMyONklS59gIzhhO0WLidPlsOw4vx0iivG3uxXc5P1a3-lZL5sg5tf16kpcX5Y8Y9dxoX9WSX56uffz6QZj-UyPbFubwMiSq_WeTfqEZseeHt5AaQ1N/s1600/images.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhLm_0bQwty_JbsxKGM5uuZn8mk3qMyONklS59gIzhhO0WLidPlsOw4vx0iivG3uxXc5P1a3-lZL5sg5tf16kpcX5Y8Y9dxoX9WSX56uffz6QZj-UyPbFubwMiSq_WeTfqEZseeHt5AaQ1N/s400/images.jpg" /></a></div>
Who do you name as your power of attorney? It could be your parents, a sibling, or a close friend. Anybody that you trust with your health information. You can also name multiple people. For example, I named my wife as my health care power of attorney. If my wife isn't able to perform the duties, I named my sister. My wife and I will be listed on my soon-to-be-18 year old son's health care power of attorney.<br />
<br />
You also need to make sure that these people have access to the document should it be necessary. Storing it in the cloud in a site like Dropbox can make it simple to retrieve at a moments notice. This way my sister, who lives in Boston, can talk with my doctor here in Las Vegas.<br />
<br />
The health care power of attorney is a simple document that everybody over 18 should have. Do your friends and family a favor and get it done.<br />
<br />Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-77483357040872398332016-02-22T11:18:00.000-08:002016-02-22T11:18:25.271-08:00Time is Money!I am often asked, "When is the best time to start financial planning?" In my opinion, there are two best times to start. The <b>first</b> is when you get your first job. If you can learn to live without 10% of your income starting day one, you will be able to save lots of money and watch it grow.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5mPf6BGIujZV05aKPX42vWqiv2ysYwCz5qPWhCcf-GebT4GEUSsnD3iumrVL4gG6a8MhpZ603flgXTj3brtwXhCdWEHHf9ZEBt_11PFEwFnxgPPX2tbT9rOXUQEXAyi-Ew9vpSqRUP1mJ/s1600/clock.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5mPf6BGIujZV05aKPX42vWqiv2ysYwCz5qPWhCcf-GebT4GEUSsnD3iumrVL4gG6a8MhpZ603flgXTj3brtwXhCdWEHHf9ZEBt_11PFEwFnxgPPX2tbT9rOXUQEXAyi-Ew9vpSqRUP1mJ/s1600/clock.jpeg" width="200" /></a></div>
<br />
The <b>second</b> best time to start financial planning is right now. If you missed the first best time, and unfortunately most people to, starting today is better than tomorrow. The more time you have between today and the day of your retirement, the more your money can grow.<br />
<br />
People who start saving early have a distinct advantage - <b>compound interest</b>. Earning interest on your interest can have a tremendous impact on your growth rate.<br />
<div>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMa1nINBEHu3yECne1KVbh3NffdoKaTGg4ZHhTbGg7PxN3RYJISuAmteAjBdHTe93dT_X-t3ooNa0K6OmuqrIdXOON9T1kiV7aulDbosv9_o21rr7E3rmdDbhumShIV5FEySYNsCcBYX2/s1600/Money_Cash.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="132" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEMa1nINBEHu3yECne1KVbh3NffdoKaTGg4ZHhTbGg7PxN3RYJISuAmteAjBdHTe93dT_X-t3ooNa0K6OmuqrIdXOON9T1kiV7aulDbosv9_o21rr7E3rmdDbhumShIV5FEySYNsCcBYX2/s1600/Money_Cash.jpg" width="200" /></a>Here is an example with two people, Tom and John. Tom starts saving early, putting away $2,000 a year for 10 years starting at age 21. Then he lets the money continue to grow until 65. John wants to wait. He starts at age 31 putting away $2,000 and continues doing so until age 65. They both invest in the same hypothetical investment that earns 8%. Tom's total contribution is $20,000, Johns is $70,000. Who ends up with the most money?<br />
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<br />
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<span style="font-family: "calibri";"><span style="font-size: x-small;">22<o:p></o:p></span></span></div>
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<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 3;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">23<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$6,493<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 4;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">24<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$9,012<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 5;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">25<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$11,733<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 6;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">26<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$14,672<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 7;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">27<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$17,846<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 8;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">28<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$21,273<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 9;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">29<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$24,975<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 10;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">30<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$28,973<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 11;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">31<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$31,291<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 12;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">32<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$33,794<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$4,160<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 13;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">33<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$36,498<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$6,493<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 14;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">34<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$39,418<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$9,012<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 15;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">35<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$42,571<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$11,733<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 16;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">36<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$45,977<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$14,672<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 17;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">37<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$49,655<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$17,846<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 18;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">38<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$53,627<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$21,273<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 19;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">39<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$57,917<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$24,975<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 20;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">40<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$62,551<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$28,973<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 21;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">41<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$67,555<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$33,291<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 22;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">42<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$72,959<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$37,954<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 23;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">43<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$78,796<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$42,991<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 24;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">44<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$85,100<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$48,430<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 25;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">45<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$91,908<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$54,304<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 26;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">46<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$99,260<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$60,649<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 27;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">47<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$107,201<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$67,500<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 28;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">48<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$115,777<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$74,900<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 29;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">49<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$125,039<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$82,893<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 30;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">50<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$135,042<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$91,524<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 31;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">51<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$145,846<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$100,846<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 32;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">52<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$157,514<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$110,914<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 33;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">53<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$170,115<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$121,787<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 34;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">54<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$183,724<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$133,530<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 35;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">55<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$198,422<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$146,212<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 36;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">56<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$214,295<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$159,909<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 37;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">57<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$231,439<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$174,702<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 38;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">58<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$249,954<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$190,678<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 39;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">59<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$269,951<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$207,932<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 40;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">60<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$291,547<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$226,566<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 41;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">61<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$314,870<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$246,692<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 42;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">62<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$340,060<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$268,427<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 43;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">63<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$367,265<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$291,901<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 44;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">64<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$396,646<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 85.5pt;" valign="bottom" width="86"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$317,253<o:p></o:p></span></span></div>
</td>
</tr>
<tr style="height: 15.0pt; mso-yfti-irow: 45; mso-yfti-lastrow: yes;">
<td nowrap="" style="border-top: none; border: solid windowtext 1.0pt; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-left-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 32.25pt;" valign="bottom" width="32"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">65<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 81.0pt;" valign="bottom" width="81"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$0<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 1.0in;" valign="bottom" width="72"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$428,378<o:p></o:p></span></span></div>
</td>
<td nowrap="" style="border-bottom: solid windowtext 1.0pt; border-left: none; border-right: solid windowtext 1.0pt; border-top: none; height: 15.0pt; mso-border-bottom-alt: solid windowtext .5pt; mso-border-right-alt: solid windowtext .5pt; padding: 0in 5.4pt 0in 5.4pt; width: 76.5pt;" valign="bottom" width="77"><div align="right" class="MsoNormal" style="text-align: right;">
<span style="font-family: "calibri";"><span style="font-size: x-small;">$2,000<o:p></o:p></span></span></div>
</td>
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<span style="font-family: "calibri";"><span style="font-size: x-small;">$344,634<o:p></o:p></span></span></div>
</td>
</tr>
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<!--EndFragment-->It is amazing that Tom contributed $50,000 less, but came out with $83,744 more at the end. He just started 10 years earlier. Albert Einstein put it best when he said “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”<br />
<br />
When you chart the value of an account growing with compound interest, it always starts out rather flat in the early years. At time goes on, it starts growing at a steeper and steeper rate. Check out this chart:<br />
<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxnmJZyusM7QR10nWX0eYSFVVDwcHXePWeCIte1KRxEtt_RYAAyoV4QnifsPtltsdcpdBO0SGZCwB2v5fZFpc9jAL6RGERfQsChlEWPkWJ4faL8ypdlMSBaHgWkrLJLUffi9Lb-hcHpBsY/s1600/Growth2000Yr.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="361" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjxnmJZyusM7QR10nWX0eYSFVVDwcHXePWeCIte1KRxEtt_RYAAyoV4QnifsPtltsdcpdBO0SGZCwB2v5fZFpc9jAL6RGERfQsChlEWPkWJ4faL8ypdlMSBaHgWkrLJLUffi9Lb-hcHpBsY/s1600/Growth2000Yr.jpg" width="640" /></a></div>
<br />
This chart shows what would happen if somebody saved $2,000 a year starting at age 21 and the account grew at 8%. As you can see towards the end of the graph, the difference between the years is growing significantly. There is a difference of about $63,800 in the last year alone! Thank you compound interest!<br />
<br />
<b>Compound interest doesn't care how rich or how poor you are</b>. It works the same for everybody. The growth rate on this graph would be the same for annual contributions of $200, $2,000, or $20,000. Obviously numbers on the left side of the graph would change, but the slope would remain the same.<br />
<br />
Unfortunately, <b>compound interest discriminates on age</b>. Everybody starts at the same place - the left - on this graph. It doesn't matter if you are 21, 45, or 70, you always start at the left where the money isn't growing quickly. The younger you are when you start, the farther you will go to the right. If you start at age 45, you would have to save to age 90 to get to the same end point on this graph.<br />
<br />
<b>Compound interest can work against you</b>. You may think, "How can that be, Mike? You just said it was really great!" It works against you when you are borrowing money, especially on credit cards. If you bought a $2,000 TV on a credit card charging 15% interest over 2 years, you would end up paying a total of $2,327.28 for it. Oops.<br />
<br />
Is time really equal to money? In this case it is. The earlier you start saving money, the more it can grow. If you are a parent, this is one of the most important financial lessons you can your child.<br />
<br />
Are you wondering if you can really afford to save money? I ask, "How can you not?" I like to have people go through a cash flow analysis to look for money they can reallocate to savings. You can access our cash flow analysis form by clicking <a href="http://goo.gl/nj04kt" target="_blank">here.</a><br />
<br />
<br /></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-41604070454026052502016-02-10T09:12:00.001-08:002016-02-22T11:22:08.892-08:00When To Pay Off Your House?Many people wonder, "Should I pay off my house?" There are lots of opinions on this matter. In general, there are two options when it comes to paying off your house: as quickly as possible, or over time.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfpWdtrZf5LAbGx_T_0Sfg7Ym1nGT2TpHJoA6Z4FgMnxB9Kh2qk15zP5TzXI3CqFzsoBIl5MajLWsHhmNbZyxDAf3qrFdHwiSZkAdOgpWCx5oidg0Sa0oNi3ZOzW1PDUh7tHwulJjrfd4I/s1600/Front.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="214" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfpWdtrZf5LAbGx_T_0Sfg7Ym1nGT2TpHJoA6Z4FgMnxB9Kh2qk15zP5TzXI3CqFzsoBIl5MajLWsHhmNbZyxDAf3qrFdHwiSZkAdOgpWCx5oidg0Sa0oNi3ZOzW1PDUh7tHwulJjrfd4I/s320/Front.jpg" width="320" /></a> The <b>first option</b> is to pay it off as soon as possible. If you have a lump sum of money, you can apply it to your mortgage. Or sometimes people will send an extra amount with their monthly payment. This feels good emotionally because you don't have that monthly bill coming in. There is something nice about not paying somebody interest. Some people chose this option because they hate the idea of debt.<br />
<div>
<br /></div>
<div>
The <b>second option</b> is to get a 15 or 30 year fixed mortgage and pay the house off over time. You can leverage your money and, by paying less per month, you have money to invest for your retirement. This appeals to those who think logically.</div>
<div>
<br /></div>
<div>
So which is best? The answer is: <u>It depends</u>. If you have plenty of money saved for retirement, go ahead and pay that house off. If your goal is to increase your net worth, paying the house off over time makes more sense.</div>
<div>
<br /></div>
<div>
When you are paying the house off over time, you are freeing up money to <b>save for retirement, college, or other planned expenses</b>. By putting money into your retirement account rather than giving it back to the mortgage company, it can grow for you. See my article on <a href="http://blog.peakfinancialsolutions.com/2014/05/time-is-money.html" target="_blank">Time is Money.</a> Money in your retirement accounts can help feed you in retirement, while money in your house can not.</div>
<div>
<br /></div>
<div style="-webkit-text-stroke-width: 0px; color: black; font-family: Times; font-size: medium; font-style: normal; font-variant: normal; font-weight: normal; letter-spacing: normal; line-height: normal; orphans: auto; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; widows: 1; word-spacing: 0px;">
<div style="margin: 0px;">
Many seniors are house rich, but cash poor. How can this be? They don't have a mortgage, but unfortunately they have not saved enough in retirement accounts to generate extra income for living expenses. These days, people in this situation are having to resort to reverse mortgages. A reverse mortgage can be an expensive way to take money out of your home. It can also deplete an asset that can help pay for assisted living, if needed.</div>
<div style="margin: 0px;">
<br /></div>
<div style="margin: 0px;">
Which option is best for you? It is clearly a personal decision. If you have plenty of money saved for retirement, go ahead and get that house paid off. If you feel that you need to save more money for retirement, kids college, or other planned expenditures, just make your regular house payments and fill up your investment accounts.</div>
</div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-16526645572653426912015-10-13T14:17:00.000-07:002015-10-13T14:18:39.373-07:00Peak Event at the Shelby Heritage Center<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh42qozQQgsVUjRX9xbaYernIQlQnf0elS1wk4zoRwMr8RYTGjabZNXDCTzQ9NppXusDHbIPV88vfXvBv-IzmbbKOo9AcjTszRy9ZZf_a7kVZRGqu7j-a50gsmKrhBiwMYzp8xAPH8ML8_U/s1600/IMG_0686.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh42qozQQgsVUjRX9xbaYernIQlQnf0elS1wk4zoRwMr8RYTGjabZNXDCTzQ9NppXusDHbIPV88vfXvBv-IzmbbKOo9AcjTszRy9ZZf_a7kVZRGqu7j-a50gsmKrhBiwMYzp8xAPH8ML8_U/s200/IMG_0686.jpg" width="200" /></a>Peak Financial Solutions held a client appreciation dinner
at the Carroll Shelby Heritage Center on September 21, 2015. Imagine a setting
where you’re eating fabulous BBQ by Trailhound Smokers and you’re surrounded by
$60 million in historic automobiles. American Funds gave us a quick update on
the stock market. We had a great tour of the shop where they perform all the
magic on their cars.<o:p></o:p></div>
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Some interesting facts I learned:</div>
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<ul>
<li>The first Shelby Cobra built is
worth $26 million. At least that was the highest offer they had received on
that historic car.</li>
<li>Shelby created the first LED
taillights. They had to prove reliability before they could be considered
street legal</li>
<li>Today’s Shelby Cobras come with a
VIN from 1964. So you can order a brand new 1964 Cobra. This means you do NOT
have to have your car smog checked.</li>
<li>Shelby had both a heart transplant
(1990) and a kidney transplant (1996)</li>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9gmGbt3sdufQ2QXnV8QwjcaHG1FY0WRqNdbPoHYLA3DgQ-cExPz3vQI4jrJ_Z8el9X12KnrVxhSbqoL4Jb7X2niA6dxVSpZ5Ww-pR_WjVeOiaPNTMVb0vZllxfWsuCRXxVG3kRFKen5oQ/s1600/IMG_0689.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="161" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg9gmGbt3sdufQ2QXnV8QwjcaHG1FY0WRqNdbPoHYLA3DgQ-cExPz3vQI4jrJ_Z8el9X12KnrVxhSbqoL4Jb7X2niA6dxVSpZ5Ww-pR_WjVeOiaPNTMVb0vZllxfWsuCRXxVG3kRFKen5oQ/s320/IMG_0689.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">A new '1964' Cobra</td></tr>
</tbody></table>
<li>He created a foundation to help
kids waiting for organ transplants.</li>
</ul>
<o:p></o:p><br />
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<o:p></o:p></div>
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My assistant Cher did a wonderful job with the table
decorations. She really has a creative touch. While she was setting up, some
Japanese tourists walked into the museum. They started taking pictures of the
table settings! <o:p></o:p></div>
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<br />
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It was a wonderful evening. Great food, great cars, and
great people. Thanks to everybody who attended.<o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-34912163044005424712015-08-20T08:39:00.002-07:002015-08-20T08:39:15.932-07:00How Do You Put An IRA Into A Living Trust?<div class="MsoNormal">
I am often asked, “How do I put my IRA into my living
trust?” Someone who has just created a trust usually asks this. The answer is:
<b>you don’t</b>. The law is very clear that it must remain in the name of the person
who earned it.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYbWf8LVkon4I6hrKOlUUx7pJim36RpPaf8KvmvUqKaeWkHJemgglnaRYrs01qtVP6foJCz0DXQQ-lNQYmS4XjI2wvGXJQ5W6W3CQWNbe-S80yEEi6bxs0-m7P684JnyEqkGb05o7tr6AG/s1600/RetirementC.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="221" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjYbWf8LVkon4I6hrKOlUUx7pJim36RpPaf8KvmvUqKaeWkHJemgglnaRYrs01qtVP6foJCz0DXQQ-lNQYmS4XjI2wvGXJQ5W6W3CQWNbe-S80yEEi6bxs0-m7P684JnyEqkGb05o7tr6AG/s320/RetirementC.jpg" width="320" /></a>If the IRA can’t be owned by the trust, does that mean the
IRA must go through probate? Not if you fill out the beneficiary form
correctly. By naming individuals (such as your spouse and children) or in some
cases your trust, as the beneficiary of your IRA, it will avoid probate.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In most cases, people usually name individuals as the
beneficiaries of their IRA. This transfers the money upon your death in the
most efficient manner. The beneficiary or beneficiaries just need a death certificate
to claim the IRA.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For example, my wife is the primary beneficiary of my IRA
and my sons are the contingent beneficiaries. This means when I pass away, my
wife will inherit my money. If she passes before I do, my sons will inherit my
IRA upon my death.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When would you name the trust as the beneficiary? If you
have circumstances where the money needs to be controlled, you should name the
trust as beneficiary. For example, if you have children who can’t manage money,
your trust can provide a monthly income for your kids. <o:p></o:p></div>
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Anything with a beneficiary statement will pass to the
beneficiaries listed. This includes life insurance, 401(k)s, annuities, and
other types of accounts. <o:p></o:p></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-8637087554375435602015-08-13T09:53:00.000-07:002015-08-14T08:55:40.039-07:00Five Lessons from an Auto AccidentMy family and I were driving from Las Vegas to Bemidji, MN for our annual vacation. I have been going up to the lake almost every year of my life. We decided to drive because my wife and I wanted to bring up our bicycles. There are some really great bike paths in Minnesota.<br />
<br />
Our journey took an unexpected turn in South Dakota when we had a blowout. I lost control of the truck and we left the highway. The noise was incredible as we rolled over at least twice and then it was replaced with silence.<br />
<br />
I quickly checked the family. They seemed OK. Cuts and scrapes everywhere, but we were conscious and able to talk.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYm_iB3kpp5ZN6nTRvzlLu9SfUUd2e1XccnzqGuaaxYTwCKq5bA6EoyjqBizM_QHtThF8sK9_mR9cIRf_Uehq_dQaJC36qc-qskS-nSQSunGmYsdZmbgMUvSM6JrLIBSmXSW8HhkuzlfE5/s1600/IMG_0512.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiYm_iB3kpp5ZN6nTRvzlLu9SfUUd2e1XccnzqGuaaxYTwCKq5bA6EoyjqBizM_QHtThF8sK9_mR9cIRf_Uehq_dQaJC36qc-qskS-nSQSunGmYsdZmbgMUvSM6JrLIBSmXSW8HhkuzlfE5/s320/IMG_0512.jpg" width="320" /></a>The next step was to call 911. Where was my phone? It was on the center console, but there was very little inside the truck now. My wife’s phone was gone. My younger son’s phone was gone. Fortunately my older son has his phone in his pocket. I was able to reach 911.<br />
<br />
My boys were able to climb out through the back window, as the truck’s shell was gone. Some people helped my wife out and others pried my door open. I noticed that I was missing one of my sandals. I wonder where it went.<br />
<br />
We were quite a ways from the nearest town so emergency services took some time to reach us. By now, however we had a number of good Samaritans who stopped and were helping us. As they attended to my family, I surveyed my truck. It was clear that this truck was totaled. But it protected us.<br />
<br />
People started collecting our stuff and put it into a pile. Surprisingly, they found the three phones that flew out of the truck. That was very comforting. My iPad was also found, but somehow it seemed to have lost its protective case.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh48geHYvIPTV86yYIMXSgoucDhrRZbC-5A_RNgROZDBtUO4xRG_6mZIRD-YmA3C_eQl1cviH-XgXz1exRrM2ns0jIh83pOByFpnttp_dzw-7iRluSyU3flkl6r1-fvSENr1P3wwJHFwVCD/s1600/IMG_0506.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh48geHYvIPTV86yYIMXSgoucDhrRZbC-5A_RNgROZDBtUO4xRG_6mZIRD-YmA3C_eQl1cviH-XgXz1exRrM2ns0jIh83pOByFpnttp_dzw-7iRluSyU3flkl6r1-fvSENr1P3wwJHFwVCD/s320/IMG_0506.jpg" width="320" /></a>I started notifying family via text message that 1: We are OK, 2: The truck blew a tire and we rolled over, and 3: We were going to the hospital. <br />
<br />
When the EMTs arrived, one question they asked was what medications were we taking. I knew mine and could come up with a few of the medications the rest of my family took. Unfortunately I couldn’t think of them all. Why hadn’t I put them on my phone?<br />
<br />
We were transported in three ambulances to Spearfish, SD. Our ride was about 45 minutes long. I was in the ambulance with my younger son and was glad to be able to hold his hand as they poked and prodded him.<br />
<br />
At the hospital, we were evaluated. We each survived the wreck with a variety of problems:<br />
Older son: Broken arm and foot, lacerations to his face, hand, and chest.<br />
Wife: Broken vertebrae<br />
Younger son: Laceration to scalp<br />
Me: Little cut on foot.<br />
<br />
I contacted my insurance company and started going through the process. This is where I found out I had made a mistake: I didn’t have rental reimbursement coverage on my cars. Not having it saved me a small amount of money. We have four cars for three drivers, so why would I need it? I never thought that I would have a problem in a small town in South Dakota.<br />
<br />
When I was talking about all the personal items that were broken with the insurance company, I found out something interesting. They aren’t covered under my auto policy. Instead, they are covered under my homeowner’s policy. And of course, subject to another deductible.<br />
<br />
The hospital suggested I contact the only car rental place in town before they closed. I called them up and was told, “I’m sorry, but I’m out of cars right now, except for one minivan.” Perfect! I need lots of space to carry everything we had in the truck.<br />
<br />
I got the van and with my younger son, who had now been released, we went to the tow yard where my truck was. They helped me load up my bikes and all the stuff from the truck. It was tight, but we got everything in.<br />
<br />
The hospital released my wife and son, but my wife now needed a back brace, which would have to be picked up in Rapid City, about an hour away. We would have to get it the next day as it was now late and the office was closed. Finding a hotel room was a struggle, because the 75th anniversary of the Sturgis Motorcycle rally was next week and almost everything was booked.<br />
<br />
I was ready to head back home to Vegas. Everything was horrible. My family was injured and my truck was totaled. Driving home seemed logical to me. My wife, however, suggested we continue on. It would be quicker to drive to our cabin in Minnesota than home in Las Vegas. This made sense.<br />
<br />
The next day, we got my wife’s brace and finished our trek to Bemidji, MN. It was great to be with my parents and my sister with her family.<br />
<br />
<b>I got a few take-aways from this adventure</b>:<br />
1.<span class="Apple-tab-span" style="white-space: pre;"> </span>Keep your cell phone in your pocket while in the car.<br />
2.<span class="Apple-tab-span" style="white-space: pre;"> </span>Rental car reimbursement is important to have if you do any travelling.<br />
3.<span class="Apple-tab-span" style="white-space: pre;"> </span>Make sure your homeowner’s insurance is up to date.<br />
4.<span class="Apple-tab-span" style="white-space: pre;"> </span>If you don’t own your home, you should have renter’s insurance, because your auto policy won’t cover your own personal items<br />
5.<span class="Apple-tab-span" style="white-space: pre;"> </span>Have a list of your family’s medication stored on your phone or somewhere handy.<br />
<br />
We are healing fine and will have a new truck soon.<br />
<br />
<div>
<br /></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-74793689345871861862015-03-23T09:25:00.001-07:002015-03-24T14:15:30.594-07:00A Missed Savings Opportunity<div class="MsoNormal">
<span style="font-size: 12.0pt;">By now, most people know they
need to have money saved for emergencies. It is important to have three to six
months of expenses in case something happens. Your emergency fund is a
short-term goal. People also know that they need to be saving for retirement.
Most understand that Social Security just won’t cover the expenses. For people
50 and under, retirement is usually a long-term goal.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigisc5d6ISumUm3vDFqbyBJBFL-9briWHjsXNfjBmfgIbp6HFtwFZA2oCSilIyQc1opz-lZGwbvVrjLP-4xmZtmMy4kWP3C45MJJoIdNU1e62iLtSWdXGWIlwz3AQJLjV0Sj_52HkzU6bA/s1600/Savings-on-Blackboard-by-Images-Money.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEigisc5d6ISumUm3vDFqbyBJBFL-9briWHjsXNfjBmfgIbp6HFtwFZA2oCSilIyQc1opz-lZGwbvVrjLP-4xmZtmMy4kWP3C45MJJoIdNU1e62iLtSWdXGWIlwz3AQJLjV0Sj_52HkzU6bA/s1600/Savings-on-Blackboard-by-Images-Money.jpg" height="183" width="320" /></a><span style="font-size: 12.0pt;">What about <b>intermediate-term
goals</b>? An intermediate-term goal could be a new car, a house, or a wonderful
vacation. It could be anywhere from 2 years to 10 years down the road.<span style="mso-spacerun: yes;"> </span><b>How do you save for this?</b><o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt;">A simple way to save for
intermediate-term goals is through a monthly investment into a mutual fund. Anytime
you have a little extra money lying around, put it into that fund. There is no
IRS penalty for taking this money out, but there could be capital gains taxes.
But the important thing is you have access to money when you need it! It can
also be a backup to your emergency fund! <span style="mso-spacerun: yes;"> </span>Keep in mind that mutual funds are not
guaranteed and may have a sales charge. You can lose your money, so it is
important to pick a fund that meets your needs.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlU4bAEV-uisLXQq9OJXiyj_KqX6fkQ3FSyFQOwhSBatzqU0413e72ZkqCGhJ-OBv_0sjGC1D3Ap8-DESJWufWamzZJdAAWps3YW_Gz51Wn5_TxHnJYzN6NOmSU7eznITY4CUzVLMAUHsB/s1600/On-Better-Terms_Savings-Strategies-When-You%E2%80%99re-Earning-Minimum-Wage-599x400.jpg" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhlU4bAEV-uisLXQq9OJXiyj_KqX6fkQ3FSyFQOwhSBatzqU0413e72ZkqCGhJ-OBv_0sjGC1D3Ap8-DESJWufWamzZJdAAWps3YW_Gz51Wn5_TxHnJYzN6NOmSU7eznITY4CUzVLMAUHsB/s1600/On-Better-Terms_Savings-Strategies-When-You%E2%80%99re-Earning-Minimum-Wage-599x400.jpg" height="213" width="320" /></a></div>
<span style="font-size: 12.0pt;">A few summers ago, both air
conditioners in my office quit working. I own my own office building, so this
was my problem. I am the landlord! Since I live and work in Las Vegas, this
problem was a BIG problem. These were old units and it just didn’t make sense
to repair them, so I replaced them at a cost of $11,000. This was $11,000 I
wasn’t expecting to spend. I paid for the new air conditioners out of my
emergency fund, but that left the emergency fund uncomfortably low. So I took
$11,000 out of my intermediate-term fund and replenished my emergency fund.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt;">The next big purchase I made
was a sports car. It was time for my midlife crisis and I wanted something fun
to drive. This is where my intermediate term fund came in. In my case, it
didn’t pay for the whole car, but I was able to pay it completely off within
one year. If I didn’t have that intermediate term fund, I would have car
payments for years.<o:p></o:p></span></div>
<div class="MsoNormal">
<br /></div>
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<div class="MsoNormal">
<span style="font-size: 12.0pt;">What kind of 2 to 10 year
goals do you have? Do you want to travel somewhere? Buy a car? Remodel your
house? Ask us how we can help you fund an intermediate term goal. <o:p></o:p></span></div>
Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0tag:blogger.com,1999:blog-6444929208097343558.post-24006838547685871212014-12-02T07:10:00.002-08:002014-12-02T07:10:51.703-08:002014 Last Chance Financial Planning Checklist!<h2 style="text-align: center;">
<i>Take 3 minutes and review 8 key items</i></h2>
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXBdnzVfMBE2Ch8ZvMobzg4FRUSc8t_cPQELuRlSzkQtT7fCZBGlKCJ6EoiM9omDO4wv05Y1FHHVjLguf-KJBgH7DUmIczDmNqICpO_gYp-Atev15WWkOwXPQpgrZ0TwTpVloiXG5HP9g4/s1600/YearEnd.jpeg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiXBdnzVfMBE2Ch8ZvMobzg4FRUSc8t_cPQELuRlSzkQtT7fCZBGlKCJ6EoiM9omDO4wv05Y1FHHVjLguf-KJBgH7DUmIczDmNqICpO_gYp-Atev15WWkOwXPQpgrZ0TwTpVloiXG5HP9g4/s1600/YearEnd.jpeg" height="133" width="200" /></a>The end of the year is an ideal time to examine your financial health and update your financial plans. This is a list of important things to review that might make a difference in your year-end review and plans for next year.<br />
<br />
Three minutes is all it takes to make sure you are on the right track. Call us if you have any questions.<br />
<br />
<a href="http://ow.ly/Fby5q" target="_blank">Click here for the list</a>.Michael Keeler, CFP®http://www.blogger.com/profile/01709781175988609720noreply@blogger.com0