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With a New Year upon us, it’s a good time for a FINANCIAL CHECKUP!

Just as your primary doctor monitors a list of markers to assess your physical well-being each year, it’s a good idea to get an annual “check-up” to monitor the health of your financial situation and catch any potential concerns before they can cause problems. So as the year draws to a close, and the new year gets underway, I’d like to set up an appointment with you.

I’ll update your “history” with any new developments in your personal situation, such as a salary change, a child starting college, the birth of a grandchild, a family health issue or any changes in your long- term goals. If there have been significant changes, we’ll review your beneficiaries and estate plan for possible updates.

We’ll examine your recent health expenses to see if another insurance plan would better suit your needs. We’ll determine whether your auto, umbrella liability, home owners, disability and life insurance policies adequately protect your wealth, family and future.

After looking at your investments’ performances over the past year, we’ll decide whether your asset mix still meets your time frame, risk tolerance, needs and preferences. We can also project your income for the year to see if we should look for ways to reduce tax liability.

I want to extend my best wishes for health, happiness and continued financial success, and thank you for allowing me to serve you. I am committed to making sure your plans continue to suit your needs. I will call you in the next few days to arrange a convenient time to get together. If you have any questions in the meantime, please do not hesitate to contact me.

Five Tips for Keeping Your Financial Resolutions!

With the New Year upon us, take time to make a list of your financial resolutions. Financial resolutions can be especially difficult to stick with because, like eating and exercising, our spending, saving and investing habits tend to be tied to our emotions more than our logic. Here are five tips for keeping your financial resolutions:

Call our office for an appointment to discuss your financial resolutions and how we can work together to make this a happy and prosperous new year!

Call: 978-675-9936 or email: andrea@bgfinancialgrp.com

About the New Tax Bill

Flier Graphic: 5 Key Facts About The New 
  Tax Bill. The enactment of the Tax Cuts and Jobs Act (TCJA) represents -the most sweeping overhaul of the U.S. tax
code in more than 30 years.(1) For millions of Americans and businesses it means on altered financial and investment 
landscape with new opportunities and challenges in the years ahead. Keep in mind, however, that the information in this 
material is not intended as tax advice, and may not be used for the purpose of avoiding any federal tax penalties. 
Here's a brief look at 5 key changes: 
Personal Taxes:
Some of the TCJA's key provisions include a reduction in most marginal income tax brockets, near doubling
of the standard deduction, and a $10,000 cap on state and local tax deduction. The Tax Policy Center
projects that taxes will fall for all income groups and result in on increase of 2.2% in after-tax income. The
Tax Policy Center also cautions, however, that some individuals and households may see a higher tax bill.(2)
The TCJA did not adjust the preferential rates of 0%, 15% and 20% for long-term capitol gains and
qualified dividends. For example, the transition from 15% to 20% capital gains rate will continue to
use the top tax-bracket thresholds of $425,800 for individuals and $479,000 for married couples.(3)
The tax bill introduces several key changes for business owners, including the introduction of a 20%
deduction for pass-through businesses. Business owners may want to review their current business
structure (C-Carp, S-Corp, and llC) and determine what entity is best structured to help them accumate
retirement assets.
College Savings:
529 plans may now be used to fund private elementary and secondary education (for up to
$10,000 in distributions per student each year). Prior, they were limited to any eligible post-secondary
Estate Strategies:
The estate tax exemption was raised to $11.2 million, a doubling of the S5.6 million that previously existed.
As such, individuals benefiting from this change may want to re-evaluate the strategies they have in place
to address the tax and liquidity issues that may no longer exist.
1 The Wall Street Journal. December 20. 2017
2 Tax Policy Center of the Urban Institute and Brookings Institution, 2017
3 Kitces.com. 2017
4 The tax Implications of 529 College Savings Plans can vary significantly from state to state, and some plans may
provide advantages and benefits exclusively for their residents. Please consult legal or tax professionals for specific
information regarding your Individual situation. Withdrawals from tax-advantaged education savings progroms
that are not used for education are subject to ordinary income taxes and may be subject to penalties.

This content was developed from sources believed to be providing accurate information. The information in this material
is not intended as tax or legal advice. Please consult legal or tax professionals for specific information regarding your
individual situation. This material was developed and produced by FMG suite to provide information on a topic that
may be of interest. FMG Suite is not affiliated with the named representative, broker-dealer, state- or SEC-registered
investment advisory firm. The opinions expressed ond material provided are for general information and should not
be considered a solicitation for the purchase or sale of any security.
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