Windward Passages
November  2017
Ten Year-End Tax Tips for 2017


Here are 10 things to consider as you weigh potential tax moves between now and the end of the year.


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Is the Social Security Administration still mailing Social Security Statements?
 
Your Social Security Statement provides important information about your Social Security record and future benefits. For several years, the Social Security Administration (SSA) mailed these statements every five years to people starting at age 25, but...

Drawings by Carl Richards

We love Carl Richards and his simple, yet clever behavioral finance drawings!  This one is appropriately titled "Learning Curve":
 
Company Stock and Your Portfolio
Keep Your Eye on Concentration Risk 


Stock Exchange
The opportunity to acquire company stock - inside or outside a workplace retirement plan - can be a lucrative employee benefit. But having too much of your retirement plan assets or net worth concentrated in your employer's stock could become a problem if the company or sector hits hard times and the stock price plummets.

 
Quote
"The stock market is a giant distraction from the business of investing." 
-Jack Bogle

What Is Cyber Insurance and Should Your Business Have It? 

Does your company use electronic data? Does it store or communicate potentially sensitive information about customers, employees, or competitors? If so, then a breach of that data could cost your company plenty. 
One way to transfer some of the risk and costs associated with a data breach or network security failure is through cyber insurance.
 
News Around Windward
What's Happening Around the Windward Offices 

A newer feature at Windward is that we now have account aggregation capabilities. Account aggregation allows you to import various accounts and liabilities on to one platform so you can see everything all in one place, updated in real time. This is an invaluable tool not only for planning purposes, but also for keeping your plan up to date. If you aren't currently utilizing this feature but are interested in doing so, please contact your Windward advisor to get set up.