What a year 2020 has been! It may not have been in the same way, but one thing is for sure,

we were all affected by events in 2020. We hope that the upcoming holidays are a chance for

you to focus on something positive and find some joy.

The end of the year is a great time to do a “financial check‐up” of sorts. Please take a moment

to read through this year‐end financial checklist to see if there are any changes you need to

make financially. You will also find information regarding retirement contribution limits as well

as college savings.

There is still time to consider some year‐end tax planning. Valuable information can be found

in our Tax Planning information sheet. Strategies for charitable contributions, RMDs and estate

planning, among other topics, are included.

Unfortunately, fraud and identity theft increase during this time of year, and anyone can be a

victim. Prevention is key, so it is important to know tactics to protect yourself, which can be

found in our “Self‐Defense Against Identity Theft” guide, as well as actions to take if you have

been a victim. Additionally, the IRS has recently warned of a COVID‐related text message scam. For more information, visit https://www.irs.gov/text‐message‐scam.

We wish you a joyous Christmas season and all the best in 2021!

--The Team at Rader & Rader and Rader Financial Services