READY, SET, SCAVENGE! Explore What Autumn Offers
As the leaves begin to fall and the air becomes cooler, it is a sure sign that summer is slowly coming to an end. Though we will miss the pool parties and backyard barbecues, there is still lots to look forward to during fall. Autumn is known as the season of change, and getting the kids outside allows them to understand and explore the changes going on in the world around them. Creating a fall scavenger hunt is a great way for kids to practice their reading and observation skills, all while still enjoying the outdoors.
3. Items from a fall harvest (like pumpkins, sunflowers, or hay bales) 4. Changes among people’s apparel (such as jackets, hats, and scarves) 5. Animals hibernating or migrating Fall Color Wheel The best way to explore autumn’s colors is by creating a fall color wheel hunt! Since the leaves are the surest signs of fall, kids can compare and contrast the different colors of each leaf they find, making this a fun hands-on activity. You can either download a color wheel template from the internet or make one yourself! All you need is a piece of paper that’s big enough for kids to tape the leaves onto and different areas for the colors red, yellow, orange, and brown. This will help kids see the different kinds of leaves as well as their visual changes during the season.
Signs of Fall Creating a specific scavenger hunt for signs of autumn is a great way to enhance your child’s observation skills.
Consider the following for your signs of fall hunt:
The weather is getting colder, but it doesn’t mean you have to hibernate too! Bundle up with a cozy sweater and beanie, and encourage the family to get outside to explore all of the wonderful changes autumn has to offer.
1. Leaves that have changed colors 2. Tree seeds or pine cones that have fallen to the ground
TAKE CARE OF THEM NOW TO PROTECT YOUR CLIENTS Did You Miss These IRS Updates?
The IRS is a complicated beast, and regulations at the agency are constantly changing. It’s easy to miss important updates in that tangle — which is why we want to remind you of an important proposed change to the 10-year rule and required minimum distributions (RMDs). In the past, if the owner of an IRA passed away after age 72, their beneficiary had the freedom to take as much or as little as they’d like out of the IRA for the first 10 years. Then, in year 10, the IRA had to be fully emptied. Under the proposed rule change, if the owner of the IRA dies after April 1st following their 72nd birthday (the “Required Beginning Date”), the beneficiary must take out small minimum distributions annually in years 1–9 based on their life expectancy. They can no longer wait until the 10th year. In some instances, if the owner is past their Required Beginning Date, the 10 years may be shortened as well. As a financial professional, you know that it is always safest to treat changes proposed by the IRS as if they have already taken effect. That way, you and your clients are never at risk of being second-guessed or corrected by the agency. If you haven’t already taken steps to protect your clients in light of these recent proposals, now is the time to act.
Our team of estate planning professionals is here to help you learn more about this topic and how it will impact your work. To get started, email Kendra at kbarackman@eagleandfein.com and ask for a copy of the PowerPoint from our recent “Linking Your Beneficiary Designation with Your Estate Plan Following the Secure Act and Proposed Regulations” workshop. We’re happy to send it your way!
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