December 2016 Issue of's Monthly Newsletter
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Help you make wise personal finance decisions

Hello friends, welcome to the December 2016 Monthly Newsletter!  

In this newsletter, we will discuss some smart year-end tax moves.

3 Tax Breaks to Disappear in 2017
These 3 tax breaks are scheduled to expire in 2017 (unless the Congress renews them), see if you could take advantage one of them.

3 Smart Stock Market Year End Moves
If you own stocks, I am sure you could benefit from at least one of these 3 smart moves related to stocks.

IRA Year End Move?
If you are considering whether to do a Roth IRA conversion or not, this blog post gives you a framework about how to evaluate this move.

Accelerate Next Year's Deduction?
Do you know that it's possible to accelerate next year's deduction to this year, if you need such higher deduction in 2016 badly?  Check out the details about this little known trick.

Tax Smart Donation
Year end is popular time for charity donations.  Donation not just helps other people, it could help you tax-wise, if you follow these 3 tips

Income Tax Reform 2017
One thing is for certain - there will be income tax reform in 2017, but will it be President-elect Trump's version or the GOP version?  This blog post gives you a quick comparisons of the similarities and differences between these two income tax reform proposals.

Thank you for your readership!  I hope you could benefit from one or more of the year end smart tax move ideas.  Please note, talk to your CPA to actually implement them, I take no responsibility to your tax moves!

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The Bottom Line
Personal Finance is a broad and complicated topic, and needs lot of knowledge and forward-looking planning.  I hope I can share my knowledge and use my skills to help you make wise PF decisions.

Kaisheng (Kenny) Bao, CFA, MBA
Independent Agent
National Producer Number 16505199
(571) 482-9394

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