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Your January Newsletter: Important milestones we helped our clients prepare for and celebrate this past year

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Hi Reader,

Happy 2025 from Arnold & Mote!

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Before we say a final goodbye to 2024, and in keeping with tradition for our inaugural newsletter of a new year, we wanted to first recognize the reasons our clients had a lot to be grateful for last year. Here are a few important milestones we helped our clients prepare for and celebrate this past year:

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Arnold & Mote Client Milestones for 2024

• Retirements: 8 clients clocked out for the final time in 2024.
• Charitable Giving: Our clients donated $349,189 via QCDs (Qualified Charitable Distributions) and DAFs (Donor Advised Funds) to support the organizations they care about, and reduce their tax liability.
• Additions to the Family: 5 clients welcomed new children or grandchildren to their family.
• Tax Planning: 17 households performed Roth Conversions.
• RMDs: 9 clients had their first year with required minimum distributions from their retirement accounts.
• New Home: 4 households will start 2024 off in a new home than where they were a year ago.

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As your dedicated financial advisor, it is both an honor and a pleasure to embark on another year of collaboration, growth, and financial success together.

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Regards,

The Arnold & Mote Team

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As a reminder, if there are other topics you’d like to see covered in a future newsletter this year, or if we can help you implement any of these topics in your financial plan, simply reply to this email and we’ll be in touch.

January Webinar - The Role of an Estate Executor

Understanding the role and responsibilities of an executor not only prepares you to serve in this capacity for a loved one, but also helps you approach your own estate planning more thoughtfully. Serving as an executor is a significant role that involves ensuring the wishes of the deceased are honored and their estate is managed appropriately. If you ever find yourself in this position, it’s essential to understand what’s involved and how to navigate the responsibilities with confidence.

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In this webinar, we’ll cover:

• Practical considerations - First steps and who to notify
• Document and asset organization that will need to be done
• Other common administrative items to track
• What happens to Charles Schwab accounts when the owner(s) pass away?

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Join us for the live broadcast at noon Central Time on Friday, January 24th, streamed on our YouTube channel here:

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Want a reminder before we go live? Click the button above and subscribe to our channel to be notified as the webinar begins:

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If you can't attend live, a replay of the webinar will be accessible immediately after and available alongside recordings of all previous webinars on our YouTube channel.

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If there are questions you'd like to have answered, simply reply to this email and let us know!

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Last Month's Webinar Recording

If you missed last month's webinar, here is the recording of "2025 Tax Changes and Planning Opportunities"

From the Blog: How to Lower Your AGI​

Our income tax rules are complex, and one of the key items on your tax return is a set of figures called Adjusted Gross Income, often called AGI, or Modified AGI, often called MAGI.

These numbers determine what tax rates you pay, what deductions and credits you’re eligible for, and other tax-related benefits.

In this post, we address some of the most common ways to reduce your adjusted gross income:

Arnold & Mote in the Press

US News and World Report - 7 Low-Risk Investments for Retirees​

To keep pace with inflation and grow your wealth over time, it’s important to include investments with higher growth potential, like stocks, in your portfolio throughout your retirement. At the same time, having more stable, lower-risk investments reduces volatility and can help you keep your sanity in a turbulent market.

We were interviewed, along with other financial advisors, for this article about options retirees have for the lower risk portion of their portfolio.

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See our other recent press mentions on our Press Page.

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Looking for Something From a Prior Newsletter?

As a reminder, you can now find the last 12 months of our newsletters here:

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Whether you’re new and want to browse newsletters you missed or are trying to follow up on a topic from a few months ago, we’re now publishing all newsletters at the link above. We'll also keep this link at the bottom of all future newsletters.

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Quinn and the Arnold & Mote Wealth Management Team

(319) 393-4020

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