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Face your fears The antidote to uncertainty is knowledge. That's precisely why every day is a good day to talk taxes. It's complicated stuff—and taxes are one of the biggest detractors of overall investment performance—but your financial advisor is your best resource to help you understand and imple- ment tax strategies that may help protect your future. It's likely that any conversations about protecting your future also include discussions about your legacy. Whether it's funding education for your grandchildren, or funding long-term health care needs, or transitioning wealth, protecting your future often requires an investment in the future. Confidence in your future comes from understanding how your wealth experience is connected— and adjusting your plan accordingly. Be tax smart Taxes can reduce returns by as much as 60% over time. 7 And taxes impact every investor, regardless of income level. Protect and serve 62% of investors say their goal is to protect and/or achieve a safe transition of their wealth. 5 Keep more of what you earn. Tax optimization is a critical component of protecting your wealth. Your advisor can consider your tax situation and then implement tax efficient strategies. Set goals, and then revisit them. Setting specific savings goals is critical, but it's also important to track your progress and shift goals accordingly. Help manage risk. One of the biggest advantages of working with your advisor is knowing that they continuously reexamine your plan in an effort to mitigate risk. Risk management is a critical component for having confidence in your plan. 60 62 % % 3 ways to help protect your future

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