Year-End Planning Considerations

FROM YOUR FRIENDS AT FINANCIAL DESIGNS LTD.

VOLUME IV | Q4 2019

With the passing of each year, scheduled changes in the tax rules move closer to reality, making it important to take every opportunity now to manage the future.

As 2020 approaches, year-end planning considerations for clients include:

1. Making use of temporarily higher transfer tax exemptions

2. Managing market gains in 2019

3. Planning to take advantage of continued low interest rates

4. Closing life insurance transactions

5. Monitoring developments in generational split-dollar

Clients may wish to start "locking in" the benefits of the increased transfer tax exemptions by making lifetime gifts but should carefully consider asset selection and basis before gifting...

FDL in the Communtiy

During the holiday season, FDL gives extra thought to how we can give back to the local community. This year, we organized a gift drive for the mothers and children of Providence Network's Joy House to give a special holiday experience to those who may not otherwise have one. We would like to say a special thank you to FDL Principal Jerry Middel, who serves on the Providence Network's Board, for spearheading the gift drive.

We would also like to take this opportunity to recognize a handful of organizations that FDL and its employees have had the privilege of partnering with throughout 2019 to help make a difference in the Denver community and beyond.

AALU • AALUPAC • ACE Scholarships • Alzheimer's Research Foundation • Anchor Center for Blind Children • Arapahoe Library District • ASPCA • Augustine Institute • Boy Scouts of America • Boys Hope Girls Hope of Colorado • BSA - Vale la Pena • Cancer League of Colorado • Centennial Institute • Cherry Hills Village Public Art • Children's Hospital Foundation • Chris Rule Foundation • Colorado Christian University • Colorado Philanthropic Planning Network • Colorado Public Radio • Colorado Uplift • Colorado Vincentian Volunteers • David Sheldrick Wildlife Trust • Davis Phinney Foundation • Delores Project • Denver Dumb Friends League • Denver Estate Planning Council • Denver Kids • Denver Philharmonic Orchestra Foundation • Denver Rescue Mission • Denver Rotary Foundation • Denver VOICE • Denver Zoo • Dillon Area Love Inc. • Dominican Home Health Agency • Domus Pacis Family Respite • Dress for Success • Energy Outreach Colorado • Evans Scholars Foundation • Firefly Autism Center • Flight to Luxury • Food Bank of the Rockies • Food for the Poor • Get On The Bus • Goodwill • Guideposts Foundation • Heritage Action • Inner City Health Center • Jewish Family Service • Judicial Watch • Judi's House • Kars 4 Kids • Masonic Cancer Center • Million Dollar Round Table • Mizel Institute • Moving Picture Institute • National Leadership Institute • National Multiple Sclerosis • National Sports Center for the Disabled • Parents Television Council • Project Education Sudan • Providence Network • Ride the Rockies • Rocky Mountain Puppy Rescue • Sam's Supper - Catholic Charities • Seeds of Hope • SOAR • Special Olympics • St. Jude's Hospital • Students for life in America • Sungate Kids • The Colorado Ballet • The Gathering Place • The Heritage Foundation • The Hundred Club of Denver • The Leadership Institute • The Purposeful Planning Institute • The White Dove • The Wildlife Sanctuary • University of CO Women's Health Research • University of Minnesota • USO • Veterans of America • Western Golf Assn. Evans Scholarship • World Vision • Wounded Warriors • Young America's Foundation

REACH AN FDL ADVISOR

Common inquiries:

SCHEDULE AN INSURANCE REVIEW

DISCUSS NEW COVERAGE

INTRODUCE A CLIENT OR FRIEND

ARRANGE AN FDL SPEAKER PRESENTATION

ABOUT US | OUR SERVICES | M FINANCIAL GROUP | CONTACT US

Through our relationship with M Financial Group our clients gain access to exclusively priced proprietary products that are not available through traditional agents or brokers.