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With last month’s post about the new Trump Accounts, we thought it’d be helpful to review a couple of other savings vehicles for children in your family. For families thinking ahead to college costs, two savings vehicles come up most...
Read MoreIf you've been hearing about "Trump Accounts" in the news, you're not imagining it — they're real, and as of July 4, 2026, they're officially open. Created under the 2025 tax law known as the One Big Beautiful Bill Act (also referred...
Read MoreWe are almost at the halfway mark of 2026, so it’s a good time to look ahead at some important upcoming dates. September 15th: Estimated Tax Payments for the 3rd quarter are due for the self-employed or those who do not have automated...
Read MoreIf you’ve accumulated company stock inside your 401(k), whether through some sort of employee stock purchase plan where you were granted a discount, or simply a choice you made to allocate some of your retirement balance towards, you...
Read MoreDespite how we might envision it, retirement is less of a single moment, and more of a multi-year transition. It’s also certainly more than simply an age or dollar amount of savings. As you approach the final stretch of your career,...
Read MoreAfter completing their annual tax return, some investors may discover that an excess IRA or Roth IRA contribution took place and needs to be corrected. This can happen for several reasons. Income may have been higher than expected,...
Read MoreIn a world where speed is often celebrated, hurrying has quietly become a cultural norm with surprisingly deep costs. In a recent article from Harvard Business Review, Dr. Kandi Wiens, a senior fellow and burnout expert, highlights how...
Read MoreOften, we as taxpayers simplify our tax deductions as either taking the standard deduction, or itemizing. Yet, for some it’s not quite that simple, and starting this year, things are changing again. Up until 2017, higher-income...
Read MoreFinancial Plan/Investment Strategies Changes happen in a life well-lived. Keeping your financial plan and various investment strategies up-to-date is an important part of staying on the path we created for you. Confirm your investment...
Read MoreAs the crisp air of late November settles in and families gather around tables laden with turkey, cranberry sauce, and pumpkin pie, we’re reminded that Thanksgiving is as much about gratitude and connection as it is about the feast....
Read MoreWhen we think about leaving a legacy, our minds often go first to family memories, values, and traditions. Yet a significant part of legacy may also come through how one prepares financially for those they love. Estate planning ensures...
Read MoreAs with most spending/tax bills that are signed into law, there end up being more questions than answers, with the IRS left to figure out the details. Even so, we are fielding questions from many clients about the impact of this law on...
Read MoreLast time we talked about Coast F.I.R.E, a new-ish retirement concept, which surrounds the age-old question “When can I retire?” But knowing when to retire is just one aspect of the retirement picture. What does retirement look like to...
Read More“When can I retire?” is a common question we receive in our business. How that question is answered can change over time, as new approaches are brought to the fore. For example, you may remember commercials asking you what your...
Read MoreUnfortunately, the question “Is this a scam or not?” is one we increasingly have to ask ourselves these days. The pervasiveness of fake emails, letters, and text messages trying to get our personal information or infect our devices,...
Read MoreUnlike 401(k)s, not all IRA funds are automatically protected from creditors in bankruptcy proceedings. However, up to a certain dollar amount, most IRA funds are protected from the reach of creditors under federal law. Every three...
Read MoreOnce you file your tax return each year, it’s a good idea to start planning for next year’s return. Here are a few things you can look at doing today to help set yourself up for success in tax year 2025. Did you owe more than $1,000 or...
Read MoreWhen it comes to estate planning, many of us think of wills and trusts as the primary tools for passing on assets to heirs. However, Transfer on Death (TOD) and Payable on Death (POD) designations may offer a simple, cost-effective way...
Read MoreFor nearly 50 years, the 401(k) has been the backbone of retirement savings in the U.S., gradually replacing traditional pensions. But only recently has it reached a major milestone—half of private-sector workers are actively...
Read MoreFor most retirees, Social Security benefits are calculated using a single formula, which takes into account an individual’s earnings record and is meant to more greatly benefit those who earn less. Historically, a subset of workers who...
Read MoreOn December 23, 2022, Congress officially passed the SECURE Act 2.0, with the bill signed into law by President Biden eight days later on December 29th. The legislation was aimed at helping Americans better prepare for their financial...
Read MoreAs we approach the end of another year, we thought it would be helpful to provide an updated list of opportunities to hopefully wrap up 2024 on a financial high note. Required Minimum Distributions: For those who are age 73 or older,...
Read MoreAccording to the Social Security Administration, the 72.5 million Americans who receive Social Security benefit and Supplemental Security Income (SSI) payments will see an increase of 2.50% next year. This is an average increase of...
Read MoreSince the SECURE Act was passed at the end of 2019, we have been waiting for finalized regulations from the IRS clarifying rules specifically around Required Minimum Distributions (RMDs) from inherited IRAs. At long last, the...
Read MoreLast month, we talked about some practical summer planning ideas: more nuts and bolts. This month, we look at some aspects of the more touchy-feely side of planning. It’s important to remember, money and its accumulation is not an end...
Read MoreLast year we did a two-part blog series on planning ideas that are a good fit for summertime. It was such a hit, we thought we’d update these for the current year! Check Beneficiaries The first one is easy, as it’s always worthwhile to...
Read MoreAccording to the Employee Benefit Research Institute’s latest update to its 30+ year survey of workers and retirees, there is a gap in expected retirement ages vs. actual retirement ages. While the median expected age of retirement was...
Read MoreAccording to a recent survey from Pew Research Center, nearly half of all U.S. workers fail to use all their allotted vacation days. Why? Too much work to do and reluctance to ask their coworkers to cover for them are among the top...
Read MoreIn the ever more complicated world we live in, it can feel like both our mailbox and email inbox are consistently overflowing with new statements, receipts, account change documents/announcements, and so on. Whether you keep important...
Read MoreThe term “estate planning” might call to mind something reserved for the very wealthy who are looking to avoid estate taxes. But estate planning is much more than that: it’s also the process of designating who will receive your assets,...
Read MoreWhile most of the focus this year in planning surrounding education is on provisions of the SECURE Act 2.0 that allow for new flexibility with unused funds in certain education savings accounts, there are six key changes to financial...
Read MoreOn December 23, 2022, Congress officially passed the SECURE (Setting Every Community Up for Retirement Enhancement) 2.0 as part of a $1.7 trillion omnibus spending package, with the bill signed into law by President Biden eight days...
Read MoreAs we approach the end of another year, we thought it would be helpful to provide a list of opportunities to hopefully help you end 2023 on a financial high note. Tax Loss Harvesting: For those with taxable investments that have an...
Read MoreAccording to the Social Security Administration, the 71 million Americans who receive Social Security benefit and Supplemental Security Income (SSI) payments will see an increase of 3.2% next year. This is an average increase of...
Read MoreMany investors are likely to see the recent 5% (or higher) yields in short-term instruments like CDs and Money Market funds as too good to pass up. With interest rates near zero for such an extended period of time, the past 12 months...
Read MoreLast month we talked about some practical summer planning ideas: more nuts and bolts. This month, we look at some aspects of the more touchy-feely side of planning. It’s important to remember, financial planning is not just about...
Read MoreSummer is officially here. While we of course look forward to rest and relaxation during these warmer months, it can also be an ideal time to check on a few important but less urgent planning items. This is especially true if you were...
Read MoreWith the 2nd half of 2023 nearly upon us, we take a quick look ahead at some important upcoming dates for which to prepare.September 15th: Estimated Tax Payments for the 3rd quarter are due for the self-employed or those who do not...
Read MoreIf you have a certificate of deposit (CD) that is maturing soon, it’s time to make a decision. Your CD has been collecting interest for months or years, helping you to get closer to your financial goals. Now you need to decide whether...
Read MoreLast month, we reviewed 529 College Savings plans, why people use them, and how the use of funds has expanded over the last few years.This month, we’ll review options for unused savings in order to minimize taxation or penalty on...
Read MoreMost people have heard of 529 College Savings plans and understand their value in relation to saving money for future higher education for young family member. What some may not know is that the qualifying use of these dollars as well...
Read MoreDo you have 529 college savings funds that may go unused by their intended beneficiary? Your first option is to provide the money to another beneficiary. However, if you don’t have an alternate beneficiary to whom you want to transfer...
Read MoreIn late 2022, the SECURE Act 2.0, a bill three years in the making, was signed into law. While there are several provisions in this bi-partisan-supported bill, we’ll highlight just a few that may be particularly interesting with...
Read MoreAs we wrap up another year, let’s look ahead to the first half of 2023. Here is a short list of some important upcoming dates to watch for. January 1stThe first of the year is when cost-of-living increases are effective for Social...
Read MoreAs we approach the end of another year, a year that has been challenging on many fronts, we thought it would be helpful to provide a list of opportunities that could end 2022 on a positive note.Roth IRA Conversions: When market values...
Read MoreThe Social Security Administration has announced the Cost of Living Adjustment (COLA) for 2023. Based on the Consumer Price Index (CPI-W) from the third quarter of 2021 through the third quarter of 2022, recipients of Social Security...
Read MoreTraffic jams are unwelcome nuisances. Unless we know the cause and what every other driver on the road is going to do at any given time (which is of course impossible), we can’t know the right route to get to our destination quickly...
Read MoreESG (Environmental, Social, Governance) investing involves a set of characteristics used to evaluate potential investments, and their impact on society at-large. These factors generally include how a company cares for and impacts the...
Read MoreWith the significant increase in property values in many areas of the U.S., if you own a home, now may be a good time to review your homeowner’s insurance policy. Why? Well first off, one in twenty insured homes has a claim each year,...
Read MoreIf you missed last month’s Digital Assets Part I, take a quick read as to why we should be concerned about this area.As we shared in our last post, Digital Assets can include information stored on an individual’s digital devices...
Read MoreThis is first part of an updated series on Digital Assets, which we hope will be helpful as the things we purchase and memories we store are more and more intertwined with technology.Part I: What is a Digital Asset, and Why Should I...
Read MoreLegacy can be a subjective, even philosophical topic. What should be handed down to the next generation and how should a person or family be remembered? When it comes to financial legacy, often a critical part of the definition...
Read MoreOnce you file your tax return each year, it’s a good idea to start planning for next year’s return. Here are a few things you can look at doing today to help set yourself up for success in tax year 2022. Did you owe more than $1,000 or...
Read MoreDepending on your tax situation, your investment and tax advisors may have suggested looking at converting some of your Traditional IRA assets to a Roth IRA. Potential benefits of a Roth conversion include tax-free growth and no...
Read MoreEach January many people reflect on the past year and set new goals for the next 12 months and beyond. When it comes to retirement, a “bucket list” is a common reference to checking off a list of activities in which you want to...
Read MoreThis is the time of year for festive gatherings and generosity. It’s also the time of year when we get a glimpse of expected financial changes for 2022. Contribution limits for some retirement accounts will be increasing in 2022. We...
Read MoreAs we approach the end of each year, giving is often our minds. However, with close to 90% of US taxpayers now taking the standard deduction on their tax return, is there still also a financial incentive to give to charity? Good news:...
Read MorePublic Service Student Loan Forgiveness While we wait for possible tax changes coming from Washington, one temporary modification already in place is the expansion of eligibility for the Public Service Loan Forgiveness program. On...
Read MoreAs we approach the cooler months, it is likely an important time to check in on your parents and aging relatives regarding their physical and financial health, to ensure they were not derailed by last year’s events. Financial...
Read MoreWe continue our two-part series mid-year planning opportunities. Last month, we covered reviewing retirement plan contributions and the new enhanced child tax credit. Manage assets in light of potential tax changes There have been many...
Read MoreAs we pass the midpoint of 2021, we thought it would be good to take a look at a few important planning opportunities/updates that are worth considering depending on your situation. This is a two-part posting and this month we look at...
Read MoreYou may be familiar with the Section 121 Residence Exclusion without really being aware of it. This is the actual name for the tax benefit that protects owners from taxation on the sale of their primary residence, specifically gains of...
Read MoreOne of the lesser-known impacts of the Consolidated Appropriations Act of 2021 (the act that brought us the second round of COVID-related stimulus payments) is a series of changes to the Free Application for Federal Student Aid (FAFSA)...
Read MoreWe return to our Budgeting series. In February, we explored the importance of savings to building your personal budget. This month, we will look at finding a balance between spending and giving. Spending Besides increased online...
Read MorePart 2 of our Budgeting series started last month, will continue next month. On March 11, 2021, President Biden signed the $1.9 trillion coronavirus relief package known as the American Rescue Plan (ARP) into law. This is the third...
Read MoreThe last 12+ months have likely had a financial impact on everyone. What kind of impact runs the gamut, from those who lost their jobs or some part of their income to those who managed to save additional money due to their limited...
Read MoreOn December 27, 2020, President Trump signed into a law a new $900 billion coronavirus relief package. This much-anticipated bill was paired with a $1.4 trillion bill to continue government funding into September. We are already in the...
Read MoreWhat’s one positive that can come from an unexpected challenge, whether a natural disaster or a health event? We take a step back from the daily grind and look at how well we are prepared if and when another challenge comes. Many...
Read MoreThe Social Security Administration announced that the official Cost of Living Adjustment (COLA) for 2021 will be an increase of 1.30%. This is slightly less than the 1.60% bump we saw in 2020, and much smaller than the 2.80% increase...
Read MoreAs we continue to navigate a world with COVID, many parents and students are reconsidering the traditional college experience and, as such, may be wondering what their options are with college savings. The most popular college savings...
Read MoreIt’s been quite a year so far, where we saw volatility in the market, a global pandemic that lingers, and significant policy action by Washington D.C. to assist our citizens. For those who have taken advantage of some of these policy...
Read MoreThe rise in identity theft scams continues. According to Javelin Strategy & Research, fraud losses increased 15% in 2019 to $16.9 billion. This was led by account takeovers – ID theft where a criminal gains unauthorized access to an...
Read MoreWere you on the ball and already took your required minimum distribution (RMD) early? As many now know, as a result of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, RMDs were waived for 2020 for all retirement...
Read MoreIn last month’s blog, we talked through the details regarding the stimulus payments, but there has since been a new development: Pre-Paid Debit Cards.That’s right. Even with all this talk of checks, for some it’s not going to be a...
Read MoreOne of the key components of the CARES Act to help lessen the financial impact of the COVID-19 pandemic was a direct payment to a majority of Americans, called Recovery Rebates or stimulus checks. First, what are these rebates, and...
Read MoreRecently, there were two key orders from the federal government in response to the COVID-19 pandemic: the extension of the tax filing and payment deadlines, and the CARES Act. Let’s take a look. Extension of Tax Filing and Payment Due...
Read MoreA Roth conversion can be a great way to move retirement savings from tax-deferred vehicles to a Roth IRA, where withdrawals on the earnings are not subject to income tax. The “cost” of the conversion is fairly simple: income taxes are...
Read MoreAs you may have heard, the SECURE Act was passed in late December of 2019, with what many are calling the most comprehensive changes to retirement in over a decade. SECURE stands for Setting Every Community Up for Retirement...
Read MoreIt’s a new year and a new decade. There seems to be extra incentive to move towards our goals and resolutions, so we wanted to briefly mention two simple but important tips to help keep you on track. Write out the full year 2020. When...
Read MoreThe holiday season is usually full of reconnecting with family and friends. As you get updates on the lives of those closest to you, it’s a good idea to consider whether the beneficiaries on your investment accounts are up to date. The...
Read MoreThe last couple of posts we’ve talked about giving to and investing in causes that are important to you. For the next two posts, we’re going to bring the topic of giving a little closer to home. This month, we’re going to cover giving...
Read MoreMore and more it appears that people prefer companies to not only have a solid product at a competitive price, but also provide a positive impact on our world. We are also starting to see this spill over into the investing space as...
Read MoreIn last month’s post on technology scams, we reviewed robocalls and tips to avoid getting duped by this rampant problem. In our follow-up posting we look at another scam to watch out for: Sweetheart Scams. Research tells us that...
Read MoreTechnology is great. Think of all the advances in healthcare, communication and transportation just in the past decade. Like anything else, though, you must take the bad along with the good. Advancements in technology open the door to...
Read MoreThat’s a very philosophical question, but important nonetheless, especially when it comes to your relationship with money. Healthy relationships with money can often be illustrated by generosity and charitable intent. This can also be...
Read MoreThere are a couple of bills that are before each of the two houses that could have small but meaningful impact on personal finances and retirement planning. While they are similar, let’s focus on the bill before the House of...
Read MoreUnless you’ve filed for an extension, you now know the impact of the new tax changes on your individual income taxes. Whether positive or negative, many people are noticing that their tax withholding was either too high or not high...
Read MoreSpring is here. The birds are singing, the flowers are blooming – and families are making college decisions. While college enrollment in the U.S. has been flat for the last few years, the rate still hovers around 70%. College remains a...
Read MoreTowards the beginning of a new year is often a good time to review the named beneficiaries on your investment accounts. This is important to do this on an annual basis as life can change quickly and it may not be on your radar to make...
Read MoreAs 2018 winds to a close, it’s a good time for reflection on the past year. The 2017 Tax Cuts and Jobs Act was officially signed in to law on December 22, 2017. 2018 tax returns will be the first time that we all get to see the...
Read MoreAs the year winds down, there are some important actions you may want to take before the clock runs out on 2018. Roth IRA First and foremost, check your eligibility to contribute to a Roth IRA. With most of us seeing a tax deduction in...
Read MoreBeginning September 21, 2018, those concerned about identity theft can freeze their credit and place one-year fraud alerts at no cost. Due to the passage of the new Economic Growth, Regulatory Relief, and Consumer Protection Act,...
Read MoreMany recent college graduates find they have a difficult decision to make: contribute to their employer’s 401(k) plan or focus on student loan repayments. The choice between paying down debt and funding retirement can be a tough one,...
Read MoreIn July’s post we covered changes to deductions for IRAs resulting from the 2017 Tax Cuts and Jobs Act. For this month’s, we’ll look at the change to the “do-over” option on Roth Conversions. Prior to 2018, those who converted money...
Read MoreThe tax changes that went into effect this year have widespread implications. It will take a while to see how these changes affect larger aspects of our financial system, like the impact on the Federal deficit and economic growth. But...
Read MoreAs we saw in our last post, Digital Assets can include information stored on an individual’s digital devices (documents, photos, movies, music, etc.), content uploaded to websites (photos, videos, social media posts, blog posts, etc.),...
Read MoreThis is Part 1 in a series on Digital Assets, which I hope will be helpful as the things we purchase and memories we store are more and more intertwined with technology. Part I: What is a Digital Asset, and why should I care? It has...
Read MoreYou’re 54, you’ve been diligent about saving, and are looking forward to retiring soon. Like most people you have the majority of your retirement savings in your employer-sponsored plan – think 401(k) – and you’ll need to use some of...
Read MoreSince the president signed the Tax Cuts and Jobs Act into law on December 22 of last year, many clients have been asking if they should make and changes to withholding from their paycheck. The Tax Cuts and Jobs Act made significant...
Read MoreLast month we looked at a high-level summary of the changes as a result of the recent Tax Cuts and Jobs Act. One of the more significant changes outside of tax brackets is the classification of secondary school expenses as qualified. A...
Read MoreThe 2017 Tax Cuts and Jobs Act was officially signed in to law on December 22, 2017. This is the most sweeping tax legislation in more than three decades, and it affects both individuals and businesses.The most significant change for...
Read MoreYou might start by asking, “What’s an RMD?” RMD stands for Required Minimum Distribution and refers to the amount that traditional, SEP or SIMPLE IRA owners and qualified plan participants must begin distributing from their retirement...
Read More“We make a living by what we get. We make a life by what we give.” - Winston Churchill As a follow up to last month’s blog on end-of-year planning, here are a couple of ideas for giving, with an eye on what must be done by year-end in...
Read More“Time moves slowly, but passes quickly” - Alice Walker As winter approaches, it’s again time to look at end-of-year planning that is important to do now before the holidays take over. Here are some key things you may want to take a...
Read MoreThere are situations when requesting a “do-over” would be ideal. Think about when you respond to your spouse thoughtlessly – as it leaves your lips you probably immediately apologize and call for a do-over. When you’re playing tennis...
Read MoreMost people in the military and their families are familiar with the ongoing benefits afforded to individuals who served our country, like pensions, inexpensive life insurance and retirement plans, tax-free housing allowances, and...
Read MoreOn June 14, 2017 the Fed announced its fourth increase in their interest rate targets in the past 18 months. Are the interest rate increases we’ve been threatened with for the past 5+ years finally here? If so, this this begs the...
Read MoreThe older you get, the more you realize that celebrities are just like us, only rich and famous. They make mistakes like anyone else, and those mistakes are often magnified by the money involved and the attention afforded their...
Read MoreOne of the key tax initiatives rumored to be part of the new administration’s tax overhaul is a repeal of the federal estate tax. Even if this were to take place, it seems likely that estate planning will remain an integral part in...
Read MoreIf I asked you: “What is the maximum amount you are allowed to contribute to your 401(k) this year?” you would most likely answer either $18,000 or $24,000 depending on your age (50+) and ability to contribute an additional $6,000 as a...
Read MoreThere’s a bit of administrative business that can have impactful consequences if not dealt with in a timely manner: naming and/or updating beneficiaries and the various types of beneficiary designations. Let’s take a look at a...
Read MoreAlong with a hiring freeze, the Social Security Administration (SSA) will mail fewer paper statements in an attempt to cut costs. You may recall that the most recent change to statements was that those not registered for an online...
Read MoreLast month I outlined the upcoming cost of living increase in Social Security benefits for 2017. Another recent announcement for 2017 was in regards to estate taxes. While the annual gift tax exclusion ($14,000 per donee) and the top...
Read MoreThe Social Security Administration recently announced that Social Security and Supplemental Security Income (SSI) benefits for more than 65 million Americans will increase 0.3 percent beginning in 2017. There was no Cost-of-Living...
Read MoreFor the first time, the Free Application for Student Aid (FAFSA) is available prior to January 1st. Starting in 2016 and going forward, the FAFSA will be made available on October 1st for the following year. How the FAFSA and Data...
Read MoreGrandparents looking to help their grandchildren defray college costs have a variety of options. But no good deed goes unpunished! Let’s look at a couple of options and some of their pros and cons. Make Payment Direct to SchoolBecause...
Read MoreWith the most recent estate tax changes, the majority of investors will not have an issue with the federal estate tax due to the high current level of exemption ($5.45 Million in 2016). Unfortunately, in addition to the federal estate...
Read MoreWhether you have a graduating senior going off to college in a few months or you are planning college visits this summer, you may have begun to consider what you need to do in order to realize the full benefit of your 529 College...
Read MoreInherited IRA rules may seem straight forward, when a loved one passes away and you are the named beneficiary, you take over the IRA and have to begin taking distributions. But when the death of a beneficiary occurs or a trust gets...
Read MoreWe are down to a month remaining until your tax returns are due. If you haven’t yet taken action in the following areas, you have up until at least the tax filing deadline to do so: Contribute to a Traditional or Roth IRA for...
Read MoreThe key to saving for an anticipated expense or season of life (i.e. retirement) is starting early. The benefits of the concept of compound interest is well-documented, with the main difference-maker being time. Hypothetical Example:...
Read MoreWhen helping clients plan, one aspect that is becoming more and more important is planning for health care costs. One question I get asked often is: “How much should I plan to spend on Medicare and other health care costs in...
Read MoreThe Bipartisan Budget Act of 2015 was recently passed and signed into law as a way to avoid a government shut-down due to previously-imposed debt ceiling limits. Part of this bill results in closing so-called “unintended...
Read MoreAs expected, the Social Security Administration recently announced that there will be no cost-of-living adjustment (COLA) for Social Security benefits in 2016. For those under the income limits ($85,000 single/$170,000 joint) and...
Read MoreWhere has 2015 gone? We are already in the last quarter of the year and with that comes some end-of-year planning that’s important to do now before the holidays take over. Here are some key things to take a look at today:IRA...
Read MoreWhen preparing to send a child to college, there are a lot of things to think about. First, there is finding the right school. But then you have the application process, the aid application process, the supplies, the classes, and the...
Read MoreTax-deferral can be a powerful tool. It’s generally recommended to maintain tax-deferral as long as possible. If, however, there is a need to access money saved in a tax-deferred IRA or employer-sponsored retirement plan before you...
Read MoreFrom 1982 to 2012, costs of tuition, room, and board for 4-year institutions increased at an average rate of over 14% per year. This increase has been more modest recently (4.65% per year between 2007 and 2012), but still outpacing...
Read MoreHigher-income Medicare beneficiaries have been paying more for their Parts B and D coverage for several years now in the form of income-related monthly adjustment amounts (IRMAA). A new bill signed into law by President Obama in April...
Read MoreThe Social Security Administration recently announced that their mySocialSecurity online accounts now offer the capability to regenerate misplaced 1099 or SSA-1042S forms for tax purposes. In order to access, go to www.socialsecurity...
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