Broker Check

Winter 2020 Newsletter

| November 23, 2020
Share |


Happy Thanksgiving and Seasons Greetings, everyone! Hoping this newsletter finds you and your loved ones healthy and safe. I am very excited to introduce you to two new team members: Rheagan Scribner and Harold Heintz. Rheagan handles the office calendar, tracking ongoing workflows, and assisting you with your technical support questions. She came on board in August and has a strong background in customer service. Harold is securities licensed, has great analytical skills, and joined me in October from J.P. Morgan Chase. He provides support in servicing new and existing accounts, transactions, trading, and can also answer many of your questions when you call. Both Rheagan and Harold are committed to making sure that whenever you call or email us, you get the assistance you need. They can be reached at:

Wrapping Up the Year

We have reached out to many of you already about a host of year-end topics including, charitable donations, review meetings, required minimum distributions, capital gains distributions, or Roth conversions. If you have not yet been contacted and would like to schedule a time to chat, please feel free to reach out. We remain concerned with your health and well-being, so we are once again limiting most meetings to phone, Zoom or Facetime, but I am always happy to make time to talk.

This is the time of year when we think of those in need, so let us know if you need help with charitable gifting. If you itemize your deductions, there may be a tax benefit, too. We cannot forecast changes in tax rates, but they are generally low right now (post-Tax Cuts and Jobs Act passed in 2017), so pulling income into 2020 may be strategically advisable for you. For this reason, you may not wish to skip your required minimum distribution, if you have one, even though the CARES Act of 2020 permits it. Alternatively, Roth conversion can be a great way to pull income from future years into 2020.

Capital Gains

Remember that even if you have not sold any of your investment holdings this year, mutual funds typically distribute capital gains in December. We expect them to be a bit lower than in 2019, but please give us a shout if you’d like to know how these will impact you.

With the addition of Rheagan and Harold, I can focus my energy on helping you with your planning. I always enjoy talking to you, so please give me a call or email when you have questions or just to say ‘hi.’ Stay safe this holiday season. Sending all the best to you and your families, from all of us here. Wishing you all a prosperous 2021!



Securities America, Inc., Member FINRA/SIPC. Securities offered through Securities America, Inc. Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc. This material is not intended to replace the advice of a qualified attorney or tax adviser.  Before making any financial commitment regarding the issues discussed herein, consult with the appropriate adviser.

Share |