WHAT PARENTS NEED TO KNOW About Back-To-School Expenses August can be an expensive month for families with children heading back to school... and some of these expenses may serve you on your tax return. So we are going to spend five minutes summarizing a few of the expenses worth paying attention to. Tax Deductions for School Fundraisers If you make donations to your child's public school, you may be able to deduct the donation amount from your taxable income as a charitable donation. If you receive something in return for your donation, then the reasonable value of the property you receive must be subtracted before you take the deduction. For example: you donate $250 to your child's sports team, and you receive a sweatshirt that sells for $25. In this situation, you would subtract the $25 value of the sweatshirt and use the remaining $225 as a charitable deduction. After-school activities and Child Care Credit For a child under the age of 13, the cost of before or after school care may qualify for a tax credit. Your child must be attending the program so that you can work, look for work, or go to school. The program must also be considered "child care," so hour-long tutoring sessions don't qualify. American Opportunity Tax Credit The American Opportunity Tax Credit can amount to $2,500 in tax credits per eligible student and is available for the first four years of post-secondary education. Eligible expenses include tuition, books and required supplies. Room and board, medical expenses and insurance do not qualify for the AOTC. Income limits apply and the credit requires a 1098-T. The American Opportunity Tax Credit for education expenses can reduce your tax bill by up to $2,500 Lifetime Learning Credit The Lifetime Learning Credit can create up to $2,000 in tax credits for qualified education expenses. The credit is for 20% of the qualified education expenses (up to $10,000 in tuition and fees). There is no limit on the number of years this credit can be claimed and you may be able to deduct qualified education expenses paid for yourself, your spouse, or your dependents. The deduction phases out after certain income ranges. Tuition and Fees Deduction The tuition and fees deductions can reduce the amount of your taxable income by $4,000. This deduction is claimed as an adjustment to income, so you can claim this deduction even if you don't itemize deductions on your Schedule A. This deduction may help you if you don't qualify for the American Opportunity or Lifetime Learning credits. The qualified expenses are for undergraduate, graduate or post graduate courses. There is no limit to the number of years the credit can be claimed and you may be able to deduct qualified education expenses paid for yourself, your spouse, or your dependent(s), but the deduction phases out after a certain income range. You must file jointly with your spouse to claim this credit. At Monotelo, we exist to make a difference with meaningful and actionable financial solutions that positively impact our client's lives. If you have questions about what steps you can be taking to prepare for your retirement years, call us at 800-961-0298

Tax and Financial Planning | Monotelo Advisors | 800-961-0298 2205 Point Boulevard, Suite 175, Elgin, IL 60123 Find the location that works best for you. Elgin Office 2250 Point Boulevard Suite 210 Elgin, IL 60123 Phone: 847-923-9015 Fax: 847-929-9134 Mon-Fri: 9:00 AM - 5:00 PM Get Directions Call Office Site Title Carlinville Office 260 Alton Rd Carlinville, IL 62626 Phone: 217-854-9530 Fax: 217-854-5206 Wed/Thurs: 8 AM - 3 PM Get Directions Call Office Gillespie Office 112 S Macoupin St Gillespie, IL 62033 Phone: 217-839-4226 Fax: 217-839-4039 Mon-Fri: 8:00 AM - 3:00 PM Get Directions Call Office West Brooklyn Office 2508 Johnson Street West Brooklyn, IL 61378 Phone: 815-628-3500 Fax: 815-628-3600 Mon-Fri: 8:30 AM - 5:00 PM Get Directions Call Office Get Directions Call Office

Going to an office is no longer a requirement of conducting business in the age of the internet, cell phones, Skype and GoTo meetings. OCTOBER 2017 MONOTELO QUARTERLY Quarterly: Oct 17 UNLOCKING the Missed Deductions of a Home Office Small-business owners should not miss the benefit of a home office deduction out of fear of a tax audit. Going to an office is no longer a requirement of conducting business in the age of the internet, cell phones, Skype and GoTo meetings. This means an increasing number of small-business owners are working from home, and eligible to claim a home office deduction. When Properly implemented, this deduction can make a significant difference in your tax liability. WHAT CONSTITUTES A HOME OFFICE? In order to claim a deduction for a home office the IRS requires that a designated space be used exclusively and regularly for business. Going to an office is no longer a requirement of conducting business in the age of the internet, cell phones, Skype and GoTo meetings. Exclusively used for business means it cannot ever be used for personal reasons during the tax year, this includes any type of storage for personal items. Although the office is to be used only for business, the tax code does not mandate that it be a separate room, it can be part of a room - walls are not a requirement. The office must also be used on a regular basis for business. HOW TO DEDUCT EXPENSES FOR THE HOME OFFICE There are two different methods you can use to claim a home office deduction, the actual expense method and the simplified method. ACTUAL EXPENSE METHOD The actual expense method allows you to deduct all direct expenses and a portion of any indirect expenses. Direct expenses are any expenses incurred specifically for the home office, such as painting the office or putting in new carpet. Indirect expenses include any expenses incurred for the home such as mortgage interest, property taxes and utilities. To claim these indirect expenses you need to determine the portion of the expenses that relate to the home office. This can be calculated by dividing the square footage of the office by the square footage of the house. You can also claim depreciation or a rent deduction for the part of the home used for business purposes. On the downside, when you sell the home any depreciation taken needs to be recaptured. This can be an unpleasant surprise come tax time. When using the actual expense method, detailed records and supporting documentation must be kept for all expenses. SIMPLIFIED METHOD If you prefer not to maintain records of these expenses, you can still take a home office deduction using the simplified method. The simplified method is calculated by simply multiplying the square footage of the office by $5 per square foot (up to 300 sq. ft.). The advantage to this method is the IRS does not require you to keep any records that are required by the actual expense method. The main drawback of the simplified method is that you will not be able to deduct your actual expenses if they exceed the allowance of the simplified method. The best solution is to keep track of all of your expenses and then determine at the end of the year which method will provide the greater deduction. MILEAGE Regular commuting to and from work is not a deductible expense, however travel between your primary office located in your home to your second office is classified as business miles that are deductible. This does not mean that you can set up a "home office" to deduct your regular commuting miles. It means that if your home office is where you conduct the majority of your business, you can deduct any mileage to a secondary location. Setting up a home office can potentially create several thousands of dollars in deductible mileage each year. TAKE AWAY Even the smallest home office can unlock significant deductions if the expenses are properly accounted for using either the actual or simplified method. It is very important that the space be used exclusively for business purposes. July 2017 Save as PDF May 2018

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By failing to plan ahead, you will find that most of your medical expenses are worthless on your tax return. With a little planning, you can prevent this. If you fail to plan ahead, you will struggle to claim your medical expenses as an itemized deduction when April 15th arrives. You will lose the ability to deduct the bulk of these expenses because they need to surpass 10% of your Adjusted Gross Income (AGI) to be usable as an itemized deduction . This means that taxpayers who make $100,000 during the year will not be able to deduct the first $10,000 in medical expenses. That handicap essentially means you will not be able to deduct any medical expenses, unless you incur heavy medical bills in a single year. And if you are paying AMT (the Alternative Minimum Tax) - don't even think about it. When it comes time to pay your income tax bill, most Americans want to pay the lowest amount possible. One of the ways taxpayers seek to do this is by increasing the number of deductions they take on their tax return each year. So it's not surprising that one of the common questions we receive from our clients is whether or not they can deduct their medical expenses. While the simple answer is "yes," the reality for most taxpayers is "no." However, with a little planning, that answer can be "yes." If you fail to plan ahead, you will struggle to claim your medical expenses as an itemized deduction when April 15th arrives. You will lose the ability to deduct the bulk of these expenses because they need to surpass 10% of your Adjusted Gross Income (AGI) to be usable as an itemized deduction . This means that taxpayers who make $100,000 during the year will not be able to deduct the first $10,000 in medical expenses. That handicap essentially means you will not be able to deduct any medical expenses, unless you incur heavy medical bills in a single year. And if you are paying AMT (the Alternative Minimum Tax) - don't even think about it. The best way to counteract this nasty little piece of the tax code is to set up an HSA (Health Savings Account) and contribute to it each year. When you contribute to an HSA you get the privilege of deducting the amount of your contributions from your income and you bypass the 10% threshold. You can do this even if you don't choose to itemize your deductions! And as an added bonus (do we sound like an infomercial?) - the money you put into your HSA, as well as the earnings of the account, can be taken out tax free as long as they are used for qualified medical expenses. While you cannot pay your health insurance premiums with funds from an HSA, you can pay most other medical expenses. Additionally, once you turn 65 you can use the HSA to pay your Medicare or other healthcare premiums. Requirements for an HSA In order to qualify for an HSA you must have a high-deductible health plan - defined as a healthcare plan with: 1 An annual deductible of at least $1,350 for individual coverage or at least $2,700 for family coverage. 2 Maximum annual out-of-pocket expenses of $6,750 for individual coverage and $13,500 for family coverage. Once you have your HSA set up you can contribute up to $3,500 per year for individual coverage and $7,000 for family coverage. If you are over the age of 55 you can contribute an additional $1,000 annually. Save as PDF Read More Articles Share Failing to order your affairs to minimize your tax burden could cost you significant money - so don't wait to take action. If you have additional questions or need some planning help, please reach out to us. Avoiding the 10% Threshold for Medical Expenses How do you setup an HSA? If your employer offers a high-deductible health plan, they should also give you the ability to contribute to an HSA. You can also open an account on your own through a qualified HSA provider, such as a bank or insurance company (go to www.hsasearch.com for a list of qualified HSA providers). What happens if you don't plan ahead? So what is the solution? Key Takeaways If you don't plan ahead and contribute to a Health Savings Account then you will find that most, if not all, of your medical expenses will be ineligible for a deduction due to the 10% threshold that must be met before deducting medical expenses. By setting up and contributing to a Health Savings Account you can deduct your full contribution to the account and have the flexibility to pay your medical bills with tax-free withdrawals from the account.

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Monotelo Advisors spoke before the Iowa Professional Fire Fighters and the Minnesota Professional Fire Fighters in September. Monotelo Speaks To The Iowa Professional Fire Fighters and The Minnesota Professional Fire Fighters Monotelo Advisors spoke before the Iowa Professional Fire Fighters and the Minnesota Professional Fire Fighters in September. Monotelo was invited to speak because of their unique knowledge of the firefighting profession and how they apply that knowledge to help firefighters retain a higher percentage of their income. "We find that career firefighters are overpaying anywhere from a few hundred dollars per year to over one thousand dollars per year on their tax bill" - shared Jim Allen, Director of Monotelo Advisors. In their presentations in Iowa and Minnesota, Monotelo offered a no-obligation "Look-back" for IAFF local members. The Look-back starts with a brief discussion, reviewing past job related expenses. Monotelo then compares the expenses identified in the discussion with the expenses that were used on their prior tax returns. When there is a meaningful difference between the two, Monotelo will correct "We find that career firefighters are overpaying anywhere from a few hundred dollars per year to over one thousand dollars per year on their tax bill" the past three years and recover money that was left on the table. John Jensen has been a firefighter for twenty six years. He is a 21 year veteran with Des Moines Local #4 and the Secretary/Treasurer of the Iowa Professional Fire Fighters. After hearing Monotelo share their story, John had a few comments of his own: "As a firefighter and public safety person, I know there is more out there that I can deduct; but I am a firefighter, not a tax expert. And my local accountant doesn't know this either because they don't specialize in firefighters. Monotelo's discussion helped clarify some of these issues." In addition to their work recovering hard-earned money for firefighters, Monotelo is extremely busy from January to April, filing tax returns for firefighters and helping them keep a larger percentage of their earned income. "I suspect we will file somewhere between fifteen hundred and two thousand returns for firefighters all across the United States in 2018" said Jim Allen, director of Monotelo Advisors. "We often hear our new clients say: 'No one has ever taken the time that you guys took to help me get every deduction that is available to me.' And it's usually those new clients who introduce us to their friends and family." Monotelo also partners with IAFF Locals across the country, using technology to attend union meetings to share the information firefighters need. For questions about how Monotelo can help your local, contact Jim Allen at jallen@monotelo.com 800-961-0298 ARE YOU GETTING BEAT? Don't pay the federal government more tax than the law requires. Call Monotelo today for a NO-COST, NO-OBLIGATION, tax review designed to minimize your tax bill and maximize your take home pay. MONOTELO.COM | 800.961.0298

SMALL BUSINESS TIPS Quarterly: Oct 17 Putting Your Self-Employment Income Away for Retirement If you are self-employed or own a small business you have the potential to put up to $61,000 per year towards your retirement by setting up a solo 401(k) ($67,500 per year if you are over 50). Of that $61,000 you can put $20,500 into a Roth 401(k) where all of your distributions will be tax-free at retirement. The Tax Cuts and Jobs Act has created a unique opportunity to maximize your retirement cash-flow by utilizing our current low tax rates to save in an individual Roth 401(k) account where your funds will never be taxed again. Before we get into the gritty details of the solo 401(k), be aware that the rules governing these accounts are a bit complex. If you are interested in setting up a solo 401(k) please reach out to us and we will help you determine if you qualify for one and how much you can contribute on an annual basis. Qualifications To qualify for a solo 401(k) you need to operate either a sole-proprietorship or an incorporated business and have no full-time employees other than your spouse. A full-time employee refers to any employee over 21 years of age who works 1,000 hours or more annually. You can utilize the solo 401(k) if you have part-time employees or independent contractors. One advantage of the solo 401(k) over a traditional 401(k) is that as the business owner you are considered both the employer and the employee. This allows you to make employer contributions to your account on top of your traditional deferrals or Roth contributions. The employer contributions cannot be made to a Roth account. They must be made to the traditional 401(k), so they will be tax-deferred when they are made and taxable when you withdraw them in retirement. Contribution Limits Employee Contribution Limits: As the employee of your business you can contribute up to $20,500 ($27,000 if you are over 50) or 100% of your “earned income,” whichever is less. If you are a sole-proprietorship or a single-member LLC your “earned income” is the net profit of your business after deducting your business expenses. If your business is a C-Corp or S-Corp your “earned income” would be the amount of your W2 wages. Employer Contribution Limits: As the employer you can also contribute an additional 25% of your adjusted earned income. If you are a sole-proprietorship or a single-member LLC the formula to calculate your allowed employer contributions is a bit more complicated but works out to roughly 18.5% of your net profits. If your business is a C-Corp or S-Corp your allowed employer contributions are 25% of your W2 wages. Combined Annual Limits: For 2022 the combined limit on employee and employer contributions is $61,000 ($67,500 if you are over age 50). This means if you contribute the full $20,500 as an employee the most you can contribute as the employer for 2022 is $40,500 regardless of how much earned income you have. Summary With the potential to put away up to $67,500 per year towards your retirement, the solo 401(k) is a powerful tool to help you prepare for your future. While 401(k) plans have historically been very costly to set up and maintain, increased popularity has significantly reduced the administration costs in recent years. If you are interested in setting up a solo 401(k) for your business, we would be happy to direct you on how to get started. Previous Article Next Article

About Us Who We Are Meet The Team Jim Richter, CFP®, CAIA®, EA President 800-961-0298 jim@monotelo.com Jim Richter is the President of Monotelo Advisors. Jim sets the strategic direction for the firm, including oversight of all tax and financial planning services at Monotelo Advisors. He brings 20+ years of experience in the financial services industry, including 10 years of hedge-fund specific work across diverse investment products. Prior to founding Monotelo Advisors, Jim spent 7 years as a Managing Director and Partner at a Chicago-based asset management firm. Prior to his time in the asset management industry, Jim spent 9 years as a fixed-income specialist in the banking industry. Jim is a CERTIFIED FINANCIAL PLANNER™ and Chartered Alternative Investment Analyst with a degree in Finance from the University of Illinois - Chicago. Jim is an Enrolled Agent, a federally authorized tax practitioner empowered by the US Department of the Treasury to represent taxpayers before the Internal Revenue Service. Gina Gucciardo, CPA Certified Public Accountant 217-839-4226 gina@monotelo.com Gina is a Certified Public Accountant with over 35 years in public accounting. Gina and her team provide tax and accounting services to small businesses throughout Macoupin County and the surrounding area. She spends a good portion of her time volunteering and serving on non-profit boards. She enjoys exercise and runs nearly five miles a day five days a week. She likes to travel and spend time with her family, friends, and pets. Gina has the distinct honor of being the very first graduate of of Blackburn College's Accounting program. Gina and her husband have two adult children, one grandchild and two dogs! Steve Watts, CPA Certified Public Accountant 630-377-1040 steve@monotelo.com Steve is a Certified Public Accountant with an MBA and the CIRA certification. He has extensive banking and accounting experience with direct knowledge of the challenges faced by small business owners. He has developed and implemented various automated programs for management and financial reporting. During his 13 years on the banking side, Steve has prepared financial statements as well as examined and analyzed the financial statements and cash flow for thousands of companies. He is a member of the American Institute of Certified Public Accountants, Illinois CPA® Society, National Association of Tax Professionals, Association of Insolvency and Restructuring Advisors and Turnaround Management Association. Steve and his wife have two adult children. Gavin Tabb, CPA Certified Public Accountant 847-923-9015 gavin@monotelo.com Gavin is a Certified Public Accountant and small business specialist for Monotelo Advisors. He is responsible for overseeing the staff that delivers a premium level of service to more than one thousand clients throughout the year. Gavin has a Bachelor’s degree in accounting from Northern Illinois University. He is an Intuit QuickBooks Certified User and he supports our small business clients throughout the United States with seamless payroll, bookkeeping and monthly accounting services. Gavin and his wife, Elise have a five-year old daughter and one-year old son. Michael Baumeister, CFP®, EA Addy Genetti Financial Planner 847-923-9015 michael@monotelo.com Accountant 217-839-4226 addy@monotelo.com Michael is a CERTIFIED FINANCIAL PLANNER™ for Monotelo Advisors. Michael provides solutions to client’s complex financial planning in a thorough, cost-effective manner. He is the point of contact for all financial planning clients to ensure a constant channel of communication and oversight. His personal experience brings an expertise in the fields of asset allocation, estate planning, insurance review, tax planning and comprehensive financial planning. Michael has a Bachelor’s degree in accounting from Judson University. Michael is an Enrolled Agent, a federally authorized tax practitioner empowered by the US Department of the Treasury to represent taxpayers before the Internal Revenue Service. Michael lives with his wife, Sarah, and their two-year-old son. Addy is an accountant for Monotelo Advisors. Addy graduated from Southern Illinois University in Edwardsville with a Bachelor’s degree in Accounting. She has 18 years of public accounting experience including preparation of individual, partnership, corporate and estate/trust tax returns. Addy serves Monotelo's small business clients with preparation of payroll, sales tax, bookkeeping and monthly accounting services. When she is not busy exceeding our clients' expectations, she is running around with her three boys to all of their sporting events. She loves to travel, especially anywhere there is a beach! Addy and her husband live on their family farm with their three boys. Lisa Rondi Accountant 217-839-4226 lisa@monotelo.com Lisa is a small business specialist for Monotelo Advisors. Lisa has 24+ years of experience in tax return, payroll, sales tax and bookkeeping preparation and review in the Gillespie and Carlinville offices. She strives to help clients with their financial needs in the ever-changing tax system. She enjoys spending time with her family, her church family and doing anything outdoors. She also enjoys spending time on her craft projects and she plays several musical instruments. Lisa lives in Mt. Clare, IL with her pets. Marianne Richter Engagement Manager 847-923-9015 marianne@monotelo.com Marianne Richter is responsible for ensuring that Monotelo is delivering a high level of customer service and meeting the expectations of Monotelo’s small business relationships. Marianne brings 13+ years of diversified training and marketing experience in the consumer goods industry to Monotelo. Working in senior management roles at Kraft Foods for more than a decade, she had national profit and loss responsibility for consumer brands. In addition to her brand management responsibilities, she also played the role of national trainer, traveling around the country training Kraft's emerging managers. Marianne and her husband, Jim live with their two sons who are both in college. Roger Medallo Relationship Specialist 800-961-0298 Roger@monotelo.com Roger plays a key role in developing relationships with small business owners for Monotelo Advisors. He sets appointments for our CEO and helps promote our Second-Act Planning® program to colleges and universities across the country. Roger has a degree in computer science and plays multiple musical instruments. Roger and his wife, Diane have been married for 6 years.

Quarterly: Oct 17 Our Planning Process Our Objective A financial plan with the optimal tax efficient strategies that help you meet your short and long-term goals. Our Process Discovery: The first and most important step in the process is to understand our client's long-term goals and their short-term cashflow needs. It is also designed to identify how the short-term cashflow needs can impact the long-term goals. Assessment: The main objective of the assessment phase is to identify what needs to be done to achieve each goal and provide context around our client's time horizon and risk tolerance. Expectations may need to be reset based on long-term goals, the resources and assets available to reach those goals and your capacity to take risk over time. Evaluation: This is the phase where we present our findings, show you the steps needed to move you toward your long-term goals, and get agreement on which option best suits your needs. Implementation: Once the financial plan has been established and agreed upon, the implementation phase turns the plan into reality, with each component of the plan designed to align with your short and long-term goals. Monitoring: The monitoring phase is designed to check on the progress toward your long-term goals and make any minor adjustments needed to move you toward your desired outcome. If circumstances change or life-changing events take place, we will move back into Discovery phase, reassess the new circumstances and adjust the plan as needed. Our "Why" Monotelo is a combination of two Greek words: Mono (meaning one) and Telos (meaning purpose). Monotelo's "One Purpose" is to make a difference with meaningful and actionable financial solutions that positively impact our client's lives.

SMALL BUSINESS TIPS Quarterly: Oct 17 Avoid Taxes On Your Reimbursed Employee Expenses If your business has employees then you likely have to reimburse them for out-of-pocket expenses they incur periodically. Reminder: If your business is a S or a C Corporation then you are considered an employee of the corporation, and are subject to the same reimbursement policies as any other employee. When accounted for properly, employee expense reimbursements are deductible to you as the employer, and tax-free to the employee. However, when these reimbursements are not accounted for correctly the IRS can reclassify them as wages, making the full amount subject to both employer and employee payroll taxes as well as income taxes for the employee. To avoid paying taxes on the expense reimbursements you pay to your employees follow these guidelines. There are four requirements that must be met in order to reimburse your employee’s expenses without creating taxable wages for them: Legitimate business expense. You can only reimburse your employees for expenses that serve a legitimate business purpose. Reimbursing your employees for meals from an out of town business trip is a legitimate business expense but reimbursing your employee for a night out with their spouse over the weekend would be considered taxable wages to them. To maintain the tax advantaged status of your employee expense reimbursements you should document the business purpose of each expense. Proof of expense. Before you can reimburse your employee’s expenses you must receive proof from them that the expenses were paid. The substantiation requirements for reimbursed expenses are the same as your ordinary business expenses. Receipts for purchases and mileage logs are the best way to substantiate your business expenses. Refund excess reimbursements . If you reimburse your employee for an amount greater than the expenses they incurred the excess amount will become taxable wages to the employee if not returned within 120 days. Reimburse expenses in a timely fashion . Expenses must be reimbursed in a timely fashion to avoid being reclassified as wages. The IRS states that timeliness is determined by the facts and circumstances of each situation. However, to provide additional guidance the IRS lays out circumstances in which reimbursements will always be considered timely: Reimbursements paid in advance within 30 days before the expense in incurred Substantiation of expenses provided to employer within 60 days of payment Returns of excess payments within 120 days of receipt Expense Reports While a formalized expense report is not required by the IRS to reimburse employee expenses, it is the best way to ensure that you are meeting the four criteria outlined above. If you have employees or if you are the owner of an S or C corporation we would encourage you to have your employees or yourself fill out expenses reports on a regular basis to reimburse out-of-pocket expenses. You can download our expense form template to use in your business either as an Excel worksheet or a PDF. Download Excel File Download as PDF Previous Article

At Monotelo Advisors we work hard to free up cash flow by helping you minimize your federal tax liability, giving you more money to reinvest into your future. TAX EXPERTISE Monotelo believes there is a better way to help you secure your financial future. It starts by improving your cash flow, then focusing on the budget and retirement savings to help you take charge of a future filled with peace and financial security. Our mission is to make a difference with meaningful and actionable financial solutions that positively impact our client's lives. We do this by integrating the tax component into all our discussions - freeing up cash flow that allows our clients to live the lives they want to live. SMALL BUSINESS OWNERS If you are a small-business owner, there is a high probability that you are paying more tax than what is required. And the key to lowering your tax bill is not in finding a competent CPA to file your tax returns, it's in finding an expert with a disciplined process to help you plan your future. LEARN MORE REAL ESTATE AGENTS As a real-estate agent you are uniquely positioned to manage how much you pay in taxes. While the new tax code just made things better for you, it made things significantly more complicated. How you organize your affairs and structure your business will have a direct impact on your tax bill come April 15th. LEARN MORE PRIVATE CLIENTS LEARN MORE INDIVIDUALS Click here to access the tools and articles designed to help you manage your taxes and your finances while giving you confidence to take the steps needed to prepare for a future filled with peace, hope and financial security. LEARN MORE