Set up user access in Chase Bank for accountant view-only access: 1. Navigate to the account management section after logging in to your Chase Bank account. 2. From there, select the "Access and Security Manager" option. 3. Next, choose "Add Authorized User." 4. You will then be prompted to input the necessary information for the new user. Enter the first and last name of your Monotelo accountant, as well as the email address and phone number. First & Last Name: John Smith Email: john@monotelo.com Phone number: 800-961-0298 5. Then, on the next page, select only limited access, remove travel, and full access. Hit submit. 6. You can select the appropriate permissions for the new user. In this case, your Monotelo accountant only needs to see activity and check images, documents, and statements. 7. After you select the appropriate permissions, you should review and confirm the information entered and then submit the request. 8. Chase Bank will then email your accountant at the provided email address with instructions on accessing your account at Chase. 9. Your accountant should check their email for the invitation and follow the instructions to accept it. The invitation may expire after 24 hours, so your accountant should accept it immediately. 10. Once your accountant has accepted the invitation and set up their login credentials, they can access your account with view-only access. Congratulations! You have successfully set up user access in Chase Bank for your accountant with view-only access.

4 1 AVOID SURPRISES On Your 2019 Tax Return According to the IRS, the number of taxpayers who owe at the end of the year has increased 40% in recent years. To make matters worse, if you owe money on your tax return you will also likely be charged penalties and interest for not paying the correct amount throughout the year. The best way to avoid this is to make adjustments to your federal withholdings with your employer or to make estimated tax payments throughout the year. To get started you should determine if you are likely to have a balance due when you file your 2019 tax return next year. WHY DO I OWE? When you are paid by your employer they are required to withhold federal taxes to cover your expected liability. However, these withholdings are not always sufficient to cover your final tax bill due to various factors that can affect your tax liability. Several of these factors include: More than one source of income . If you work more than one job, or if you have a spouse that also works, you have an increased chance of owing on your tax return. This is because each employer only accounts for the wages they are paying you when determining how much taxes to withhold. When you have more than one source of income you could be in a higher tax bracket than your employer expects. Significant increase in income. When you start making more money you run the risk of being phased out of various tax deductions that you may have qualified for in the past. And if you receive a large pay raise in the middle of the year, your withholdings in the first half of the year may no longer be sufficient for that portion of your income when you move into a higher tax bracket. No longer claiming your child. Claiming your child on your tax return can reduce your tax bill by $2,000-3,500 per year. So when you child moves out on their own, or when you cannot claim your child due to divorce, it can take a heavy toll on your tax bill. Major life changes. Getting married, getting divorced, or retiring. These are all major life changes that can have a dramatic impact on your tax return. When you go through one of these changes you should be prepared for significant changes to your tax bill. WHAT TO DO? If any of the above situations apply then you are at increased risk of having to pay when you file your 2019 tax return. To avoid this you can change your withholdings with your employer. If you have more than one job we recommend claiming zero allowances with your second employer. You can also request that an additional specified amount be taken out of each check and put toward your federal tax liability. You can also estimate your final tax bill and make quarterly estimated payments to reduce or eliminate your bill at the end of the year. If you still owe, making quarterly payments can help you avoid paying additional penalties when you file your return. If you would like help determining if you should adjust your withholdings or make estimated payments please give us a call. 3 2 Read more articles 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.

At Monotelo, we use our unique knowledge of the job-related expenses of our public-servant clients to reduce what they are paying in taxes. Learn More Getting started with Monotelo Advisors As a public servant, we know that there are unique deductions available to you that most accountants and tax software fail to capture. That is why we start all of our public servant clients with a no-cost, no-obligation review of their last three tax returns. We have found that we can typically recover $800-$1,500 per year. To get started with your tax review you can upload your 2015, 2016, and 2017 tax returns using the link below. Upload Your 2015-2017 Tax Returns

Simplify Your Crypto Tax Filing Expert Help for Crypto Investors Struggling to manage transactions across multiple exchanges and wallets? Finding it hard to consolidate data without clear platform reports? Confused about how trading, staking, mining, and NFTs are taxed? Worried about staying compliant with evolving IRS crypto rules? Missing deductions for mining expenses or operational costs? Having trouble calculating the cost basis for your positions? Expertise Specialists in crypto tax regulations Accurate Reporting Technology combined with experience to recognize taxable income from crypto trades Maximize Your Deductions Our advanced planning strategies will help you minimize your tax liability Get Started Today! Our Process Sign Up: Create your account in two minutes. Upload Your Data: Easily upload all your tax documents to your secure portal. Review and File: We handle the rest to ensure accuracy and compliance. We will start your return as soon as all your tax documents have been uploaded to your secure portal and we have your authorization to begin working on the return. If you trade on a non-traditional platform (ie. platforms other than Coinbase or Robinhood that do not provide tax information), we will need the basis information from your transactions. We will follow up with questions if we believe there is missing information. We will notify you when your tax return is complete and give you the option to review it with one of our tax experts. Pricing: 1.Basic (up to 25 transactions): Starts at $350 2.Plus (up to 100 transactions): Starts at $425 3.Advanced (up to 1,000 transactions): Starts at $650 4.Custom Plan: Contact for a quote Additional schedules from other sources of income or deductions may incur an additional fee. Our Guarantee: If we have all of your required tax documents, we guarantee that your return will be filed within compliance of the IRS regulations. Frequently asked questions 5 Crypto Tax Mistakes to Avoid Filing taxes as a cryptocurrency investor can be complex, and even small mistakes can lead to audits, penalties, or overpayment. Here are five common crypto tax mistakes to avoid: 1. Not Reporting Crypto Transactions Many investors mistakenly believe they only need to report crypto gains if they cash out to fiat currency, but this isn’t true. The IRS requires reporting on all taxable events, including: Trading one cryptocurrency for another. Selling cryptocurrency for fiat currency. Using cryptocurrency to purchase goods or services. Receiving crypto through staking, mining, or airdrops. Tip: Keep detailed records of every transaction, including dates, amounts, and fair market value at the time. 2. Miscalculating Cost Basis Calculating the cost basis—the original value of your crypto assets—is critical for determining your gains or losses. Mistakes often happen when: Tracking purchases across multiple wallets and exchanges. Accounting for fees or transaction costs incorrectly. Tip: Use tools or software that integrate with exchanges to track and calculate your cost basis accurately. 1. Not Reporting Crypto Transactions Many investors mistakenly believe they only need to report crypto gains if they cash out to fiat currency, but this isn’t true. The IRS requires reporting on all taxable events, including: Trading one cryptocurrency for another. Selling cryptocurrency for fiat currency. Using cryptocurrency to purchase goods or services. Receiving crypto through staking, mining, or airdrops. Tip: Keep detailed records of every transaction, including dates, amounts, and fair market value at the time. 2. Miscalculating Cost Basis Calculating the cost basis—the original value of your crypto assets—is critical for determining your gains or losses. Mistakes often happen when: Tracking purchases across multiple wallets and exchanges. Accounting for fees or transaction costs incorrectly. Tip: Use tools or software that integrate with exchanges to track and calculate your cost basis accurately. Get Started Today! © 2025 by Monotelo Inc. info@monotelo.com 800-961-0298

Spend some time reviewing your retirement accounts before 2019. Save as PDF Read more articles Share 1 2 HOW TO SAVE YEAR-END REVIEW OF YOUR RETIREMENT ACCOUNTS As we head into the final few months of 2019 you should take some time to review the contribution limits of your retirement accounts and determine if you can make additional contributions before the deadline for 2019. You should also take this opportunity to review your records to make sure you avoid the number one retirement account mistake. Contribution Limits For a 401(k), 403(b) or 457 your maximum contribution for 2019 is $19,000. If you are 50 or older before the end of 2019 you can contribute an additional $6,000 for a total of $25,000 For a traditional or Roth IRA plan your maximum contribution for 2019 is $6,000. If you are 50 or older before the end of 2019 you can contribute an additional $1,000 for a total of $7,000. Remember that this limit applies to each spouse separately. A married couple both over the age of 50 can contribute a total of $14,000 to traditional or Roth IRAs for 2019. For a Simple IRA your maximum contribution for 2019 is $13,000. If you are 50 or older before the end of 2019 you can contribute an additional $3,000 for a total of $16,000. If you are not able to max out your contributions before the end of the year you can continue to contribute until April 15th, or October 15th if you file for an extension. The Number One Retirement Account Mistake One of the biggest mistakes you can make with your IRA or other retirement account is to not have accurate beneficiary forms on record for your account. The beneficiary form identifies who you want to receive the funds in your account after your death. Missing or outdated beneficiary forms can create legal or tax nightmares for your family. These beneficiary forms take precedence over any other legal documents such as a will or divorce agreement, which can result in your funds going to the wrong person, even when it is clear who you intended to receive the funds. In a recent U.S. Supreme Court case, William Kennedy failed to update the beneficiary form for his 401(k) following his divorce. In Kennedy’s divorce agreement with his wife, she agreed to waive her rights to his 401(k), however he never updated the beneficiary form with the account holder. This led to an eight-year legal battle for his daughter, trying to recover the $402,000 he intended her to receive. His daughter ultimately lost when the Supreme Court unanimously decided that the outdated beneficiary form took precedence over the divorce agreement and Kennedy’s will. Had Kennedy simply taken the time to update the beneficiary forms for his 401(k), he would have saved his daughter years of hassle and guaranteed she receive the funds he intended for her. Summary The lesson here is very clear: Whenever there is a major change in your life, make sure that you update the beneficiary forms for all your financial accounts. Major changes would include getting married, having a child, getting divorced or the death of a family member. If you have not reviewed these forms since the last time one of these events took place you should take some time before the end of the year to do so. 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.

SMALL BUSINESS TIPS PANDEMIC PROVISION FOR TAX-FREE PAYMENTS TO YOUR EMPLOYEES During a federally declared disaster, such as the COVID-19 pandemic, the tax code allows you to make payments to your employees that are deductible by you, the employer, but not taxable to your employees. If your business is an S-Corporation then you qualify as an employee of the business eligible for these tax-free payments . This provision provides a great limited-time opportunity to pull money out of your business tax-free! These tax-free payments are a provision of Section 139 of the Internal Revenue Code which was passed following the September 11th terrorist attacks. How Does it Work? Normally, payments of cash to your employees are considered taxable income to them by the IRS unless it is to reimburse them for qualified business expenses. Under this provision for disaster relief payments you can reimburse your employees for personal expenses that are incurred because of the disaster as long as they are reasonable and necessary. For the COVID-19 pandemic this can include: Out-of-pocket medical costs not covered by health insurance Expenses for working from home such as a computer, office equipment, supplies & utilities Funeral costs for an employee or an employee’s family member Childcare costs so that your employees can continue to work while children are home from school These are the most common costs that could be reimbursed, but others may qualify for the same tax-free reimbursement if they are reasonable and incurred because of the pandemic. What Does not Qualify? You cannot use this provision as a substitute for your employee’s wages to provide them with tax-free income. In other words, do not reduce an employee’s wages by $1,000 and then reimburse them for a $1,000 medical expense. You can also not reimburse employees for lost wages, or as a form of unemployment compensation. What Should You Do? To take advantage of these tax-free disaster relief payments to your employees we recommend that you put together a written plan for payments that identifies: Starting and ending dates of the program A listing of the expenses you will pay or reimburse The maximum payment per employee A procedure for your employees to request reimbursement We would advise using a form similar to an employee expense report for your employees to request their disaster relief payments. To make things a bit easier, the IRS does not require that your employees provide documentation to support the expenses claimed as long as the amounts are reasonable. Summary With COVID-19 declared a federal disaster, you can take advantage of the disaster relief payment provision of the Internal Revenue Code to provide tax-free payments to your employees to cover their personal expenses that were incurred because of the pandemic. If your business is structured as an S-Corporation you as the owner are considered an employee and can reimburse your personal expenses with tax-free payments from the business. If you would like help determining what expenses are eligible for disaster relief payments or would like guidance on implementing this program for your employees please reach out to us.

Get Started Simplify Your Crypto Tax Filing – Expert Help for Crypto Investors Stay compliant with IRS guidelines while maximizing deductions for your cryptocurrency trades. Book a Free Consultation Expertise in Crypto Taxes Specialists in crypto tax regulations. Accurate Reporting Tools and expertise for tracking and reporting trades. Maximize Deductions Strategies to minimize tax liability. Problem 1 Struggling to track your trades across multiple exchanges? Solution We simplify the process by consolidating all your trading activity into a single, comprehensive report. Problem 2 Confused about tax regulations for staking and DeFi Solution Our experts provide clarity and ensure proper categorization to avoid mistakes Problem Cryptocurrency Tax Challenges Does your tax preparer handle activities like trading, staking, mining, airdrops, DeFi, and NFTs? Are you worried about staying compliant with evolving IRS cryptocurrency taxation guidelines? Are you missing out on deductions for mining equipment or operational costs? Do you struggle to calculate your basis for various positions? Solution Most tax software lacks the ability to robustly track cryptocurrency activities, leading to incomplete or incorrect filings, and increasing the risk of audits or penalties. Monotelo Advisors resolves these issues by: Offering advanced crypto-tax solutions tailored to trading, staking, mining, DeFi, and more Ensuring compliance with the latest IRS guidelines. Maximizing deductions, including those for operational costs and equipment Simplifying basis reporting to ensure precise and accurate tax preparation The Process Step 1 Request access to your secure portal. Sign Up Step 2 Upload Your Documents Upload all your tax documents easily and securely to your portal Step 3 We Prepare and Review Our team will prepare your return and ensure it’s accurate and compliant. If you trade on non-traditional platforms (other than Coinbase or Robinhood, etc.), please provide the transaction basis information. If we notice any missing information, we’ll follow up promptly. Step 4 Review and Approval Once your return is complete, we’ll notify you via text, email, or phone—your choice! You’ll have the option to review your return with one of our tax experts. Step 5 We Handle the Rest After your review, we’ll finalize and electronically file your tax return. Get Started Let's get started! First name Last name Email Phone Street Address City, State, Zip Code Submit Get Started Resources Crypto Tax Prep Checklist 5 Crypto Mistakes to Avoid Should I choose a CPA or an Enrolled Agent? Tax Prep Checklist The Mega Back-Door Roth – A Powerful Retirement Strategy Our Pricing Basic Starts at $350 up to 25 transactions Plus Starts at $425 up to 100 transactions Advanced Starts at $650 up to 1,000 transactions Contact for a quote Get Started Additional schedules from other sources of income or deductions may incur an additional fee. Don’t wait until the deadline – simplify your crypto taxes today! Start Your Crypto Tax Return Now © 2025 by Monotelo Inc. info@monotelo.com 800-961-0298 View our privacy policy

Quarterly: Oct 17 ...Better Decisions This article is the second part of our series on decision making. Applying some of the information from Thinking, Fast and Slow, we are diving into the research from Nobel Prize winner Daniel Kahneman and how he breaks down our decision-making process into two systems. Notes from Better Thinking... : To keep things simple Kahneman breaks down our thinking process into two systems that he describes as “System 1” and “System 2.” System 1 is intuitive and emotional, fast and easy. It is reactive. “There was a shark attack last week, I am never going to the beach again.” System 2 is deliberative and logical. It is also slow and requires effort. “What are the chances of getting attacked by a shark? Is swimming in the ocean more dangerous than swimming in a community pool?” The challenge with our System 1 and System 2 thinking is when we "think" we are an expert, or we have a life experience that impacts us. This perception of “expertise” or the impact of life experience can shape our decision-making process in a profound way. That’s because life experiences build the heuristics that we use as short-cuts to make System 1 decisions. Some of these heuristics are helpful, and some are not. If I were to ask you what is more probable: Dying in a train accident or getting struck by lightning?...Most people would say train accident. That’s because System 1 kicks in, pulls up memories of train accidents in the news and assumes that there is a higher probability of dying from a train accident than getting struck by lightning. This System 1 action is referred to as the availability or familiarity heuristic. But according to the National Center for Health Statistics, we have a higher chance of dying from a lightning strike than we do from a railway accident. According to that same study, Americans are two and a half times more likely to die from a bee sting than from a dog attack. Like bee stings, average market gains over long periods of time aren’t as headline grabbing as train crashes or market crashes, so they are not as prominent in our minds. Investors are quick to succumb to System 1 thinking when we avoid “riskier” asset classes, especially when we have the impact of the great recession burned into the back of our minds. By focusing all our attention on the potential for short-term fluctuations in performance, we ignore the fact that these “riskier” asset classes can be the ones that have the greatest long-term impact on portfolio growth. The familiarity heuristic may not only cause us to avoid high-performing asset classes, it can also work against us by biasing us toward things we are familiar with. According to JP Morgan, people living on the West Coast tend to overweight the technology sector, while people living in Texas tend to overweight energy; and people in the Midwest tend to overweight industrials. While it is wise to invest in asset classes where we have an edge, it is a statistical improbability that the entire universe of Texans has an edge in energy investments. And it’s equally improbable that the entire universe of Midwesterners has an edge in industrials. While System 1 might convince us all that we are “experts,” we can’t all have an edge. Not everyone is the “smartest person in the room.” The irony of the familiarity heuristic is that it can cause us to avoid “riskier” asset classes on one side and cause us to overweight our portfolio on the other side, ultimately creating more potential hazard from a lack of diversification and concentration risk. We are all swayed by our personal biases and deceptive thinking from time to time. The key to managing our thinking is to simply recognize that we are inclined to be biased. Rather than reacting to System 1 and our biases, we need to access System 2 and ask ourselves deeper questions. System 1 thinking looks at the high performing mutual fund and says “this fund has significantly outperformed my other mutual funds in the last two years. Let’s sell my underperforming funds and buy more of this fund.” System 2 thinking looks at the high performing mutual fund and asks: “Why is this fund outperforming? Did the manager tactically recognize the hot sectors? Or was it always invested in this sector, and this sector happened to outperform the last two years? How likely is it that this sector will continue to appreciate when it is extremely expensive today? Let’s sell half of this holding and move into something that has more potential to grow.” System 1 thinking looks at a marginal company in a stagnant industry and says: “Wow this company has not grown earnings in the last three years, there is no way I would own this stock.” System 2 thinking says: “This company has not grown earnings in the last three years, but the balance sheet is stronger today and the market cap is one-third of what it was three years ago. At the extremely depressed valuation, I’m willing to bet that this company will converge back to a more-normal valuation when investors begin to recognize the safer balance sheet.” Boiling it Down: System 1 can do a pretty good job of keeping us alive in the jungle, but may not serve us as well when seeking to maximize our long-term wealth. That’s where we need to recognize that we are inclined to be biased and our short-cutting heuristics may be hurting us. Tapping into the benefits of System 2’s slow thinking can help prevent us from making costly mistakes. Read Part Three: ".The Fallacy of the Formula"

TAX ISSUES LIBRARY TAX CREDITS AND DEDUCTIONS FOR COLLEGE TUITION An overview of the tax credits and deductions available to you for qualified college expenses. Download TAX IMPLICATIONS OF TRANSFERRING A VEHICLE TO YOUR BUSINESS What you should know about deducting vehicle expenses for a personal vehicle vs. a vehicle owned by your corporation Download I’m Ginger Add your content or connect to a database. Adopt Me

At Monotelo, we use our unique knowledge of the job-related expenses of our public-servant clients to reduce what they are paying in taxes. We Understand We understand the feelings of excitement and camaraderie firefighters get when you finish a good call. We understand the lifelong commitment you have made to staying physically fit and mentally sharp for anything that comes your way. Our monthly publication shares tips and strategies to reduce your federal and state tax liabilities. Tax Tips and Strategies Use our tax season checklist to make sure you have everything needed to file an accurate return while maximizing your potential deductions. Learn More Tax Season Checklist Get Started with Monotelo Start your free review of your past three years of tax returns Testimonials Hear what our public servants have to say about their Monotelo experience.

The tax deductions that are available to the average taxpayer have shifted over the years. What was available a few years ago may not be available today and what is available today may shift in the coming years. For taxpayers who itemize deductions, you can deduct the medical expenses you paid for yourself, your spouse or your dependents to the extent that they exceed 7.5% of your 2019 adjusted gross income (AGI). WHAT EXPENSES ARE DEDUCTIBLE IN 2019? For example – if you and your spouse’s combined income was $110,000 last year and you contributed $10,000 to your IRA, your AGI would be $100,000. You could deduct any medical expenses that exceed $7,500. But you could only deduct those medical expenses if you are itemizing (not taking the standard deduction). * Note- the threshold jumps from 7.5% to 10% in 2020. One of the changes under the recent Tax Cuts and Jobs Act is that you can no longer deduct miscellaneous employee business expenses. This change has a more-significant impact on union members, public servants and sales professionals who are not fully reimbursed for their travel, cell phone or entertainment expenses. For small business owners and independent contractors, your business expenses must be ordinary and necessary to be deductible. This means they must be common and accepted in your industry and they must be helpful and appropriate for your specific trade or business. Here is a more in-depth summary of what you can and cannot deduct on your 2019 tax return: Medical Expenses Deductible Preventative Care, Treatment, Surgeries, Dental and Vision Care: You can also deduct visits to psychiatrists, psychologists, prescription medication, glasses, contacts and hearing aids. Alcoholism Treatment: Amounts paid for inpatient treatment to a therapeutic alcohol addiction center are deductible. This includes meals and lodging provided by the center during treatment. Fertility Enhancement: The cost of the following infertility treatment procedures are deductible: In vitro fertilization, including temporary storage of eggs or sperm. Surgery, including an operation to reverse prior surgery that prevented you from having children. Guide Dog and Service Animals: The cost to purchase, train and maintain a guide dog or service animal to help a visually impaired, hearing disabled or physically disabled person are deductible. These expenses include food, grooming and veterinary care. Stop Smoking Programs are deductible, but the cost of non-prescription drugs is not deductible. Not Deductible Any Reimbursed Medical Expenses that were paid by your employer or insurance company are not deductible. Weight Loss Programs that focus on general health are not deductible. However, if the weight loss treatment is for a specific disease diagnosed by a doctor (obesity, heart disease, etc), the expense is deductible. Nonprescription Drugs and Medicine (except for insulin) are not deductible: Only prescription drugs are deductible. Health Club Dues: Any expenses paid to improve your general health that are not related to a medical condition are not deductible. Cosmetic Surgery: Any surgery that does not meaningfully promote the proper function of the body, prevent or treat an illness or disease is not deductible. You can, however, deduct cosmetic surgery if it is necessary to improve a deformity arising from a congenital abnormality, personal injury or disfiguring disease. Miscellaneous Deductions Deductible Gambling Losses to the Extent of Gambling Winnings: Gambling losses can include wagers, or other expenses incurred in connection with the gambling activity; but they are limited to the extent of the gambling winnings. In other words – you cannot take a net gambling loss, but you can use your losses to wipe out any gambling winnings. Casualty Losses: ”Generally, you may deduct casualty and theft losses relating to your home, household items, and vehicles on your federal income tax return if the loss is caused by a federally declared disaster declared by the President.” IRS Website Theft Losses – The amount of your theft loss is generally the adjusted basis of your property because the fair market value of your property immediately after the theft is considered to be zero. Losses from Ponzi-Type Investment Schemes: Deductible as theft losses from income-producing property. Home Office: You can take a home office deduction if you are self-employed and you use part of your home regularly and exclusively for business purposes. Club Dues: Club dues (as we state below) are not deductible. The following organizations, however, are not treated as clubs organized for business, pleasure, recreation or social purpose (unless one of the main purposes is for entertainment): Boards of trade Business leagues Chambers of commerce Civic or public service organizations Professional organizations Real estate boards Trade associations Not Deductible Unreimbursed Employee Expenses are no longer Deductible under the new tax code , unless you are a performing artist or serve in the Armed Forces as a reservist. Commuting Expenses: The cost of traveling from your home to your work is not deductible. There is an exception is for qualified performing artists and Armed Forces reservists. They can deduct the cost of hauling tools or instruments to and from work. Fines and Penalties: Any amounts paid to settle a liability for a fine, a civil or criminal penalty or a parking tickets are not deductible. Club Dues: Membership in any club organized for business, pleasure, recreation or social purpose is not deductible – this includes athletic, luncheon, sporting, airline, hotel and country clubs. Campaign Expenses: This applies to a candidate for any office and includes qualification and registration fees and legal fees. Lobbying Expenses and Political Contributions: According to the IRS: “You can’t deduct contributions made to a political candidate, a campaign committee, or a newsletter fund. Advertisements in convention bulletins and admissions to dinners or programs that benefit a political party or political candidate aren’t deductible.” Political Action Committees (PACs) are included in this list as well. Read more articles 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.