Capital Advisory Group July 2019


119 Old State Rd., Ellisville, MO 63021

JULY 2019

Getting Into the Wealth Zone FINDING INDEPENDENCE

It’s hard to believe we’re full tilt into summer, isn’t it? Time flies, as they say. We’re looking forward to the Fourth of July and the big firework displays that St. Louis puts on this month. Of course, you can’t miss Fair St. Louis, a full-on celebration of independence at the historic Gateway Arch National Park. It’s a fun and lively time. When we think about independence, we can’t help but think about it in the context of what we do. It comes into play in our daily lives because our work is centered on helping our clients find independence from tax stress and feel secure with their financial life. Knowing what to expect before tax season even hits is its own type of freedom. One of the ways we accomplish this is through the Wealth Zone. It’s a sweet spot where each part of your life (like your tax returns and investments) is working together to give you the best outcomes. You remove a lot of the guesswork by having an overarching strategy that pulls everything together. This plan is tailored to you and your unique situation. It can adapt and change as needed, but once you have it in place, you have a strong foundation for success.

When you think about how everything you do in your financial life ends up on your tax returns at some point, it’s clear that strategizing your taxes is crucial to the rest of your plan. Without this, you’re not seeing the full picture, and you can’t strategize for the coming year, much less the quarter. We’ll help you get there. With informed tax planning, preparation sessions, and customized advising, our plans work without you having to manage the day-to-day details — kind of like the firework displays we’re all looking forward to this July. Look for more

details from us soon about the Wealth Zone and why we’re so enthusiastic about helping our clients get there. To everyone who came out to Shred Day in April, thank you for joining us! You helped save 2.6 tons of paper and 35 trees, which is even more than last year! That’s awesome! Thanks for taking part and making a difference. I bet your piles look a little lighter too! Have a wonderful July and a happy Independence Day! -Jeff and John Zufall

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As the scorching summer sun beats down, it’s hard to remember that just six months ago you were shivering through the winter, whether that meant a chilly 50 F or bitter subzero temperatures. But if cooler temps sound like paradise, and a dip in the pool is no longer keeping you cool, it might be time to take a vacation somewhere chilly. Check out these three destinations to avoid the summer heat. ALASKA No place says chilly quite like Alaska. Trips to Alaska can be expensive during this time of year, but when you step into that crisp air with a cool mountainous view, you’ll understand why it’s a popular summer voyage. Travelers can choose to fly or take a cruise ship, and many cities feature tourism-packed excursions. A few notable locations include Anchorage, the Kenai National Wildlife Refuge, and Denali National Park and Preserve. ICELAND Just as its name suggests, Iceland can be the perfect destination for travelers yearning to get away from the unbearable summer heat. With temperatures rarely exceeding 60 F — the average high for the country — packing is easy for this relaxing vacation. Take a relaxing dip in one of the country’s many hot springs or enjoy tremendous views of the fjords. Even better, you can tour the country at any time because it’s sunny almost 24 hours a day. What could be better than a midnight hike around the fourth happiest country in the world? NORWAY Just because it’s summer doesn’t mean you have to give up your skiing hobby! Venture off to Norway and experience some of their most popular summer ski resorts. After a day or two shredding the slopes, experience the popular Norwegian Opera and Ballet in Oslo or choose between numerous outdoor and indoor exhibitions. Best of all, you won’t even break a sweat, as the average temperature in Norway’s hottest month barely hits 70 F. Bordering Sweden and northern Finland, Norway can even be the beginning to a cool European tour this summer. Relax in These Cool Destinations This Summer

Are you tired of watching perfect summer days pass your office by from the wrong side of the window? Instead of leaving work to enjoy the weather, bring your company outside! A company picnic is the perfect opportunity to take advantage of the warm weather and foster team camaraderie through awards, team building exercises and, of course, good food. Putting on a slam-bang company picnic is no easy feat, but if you start with these three fundamentals, you’ll be well on your way to pulling off an event the whole company will remember for years to come. PICNICTHEME The first step to organizing a company picnic is to choose a theme your employees will be excited about. From a Hawaiian luau to a country western barbecue, the possibilities are endless. To generate more hype at the office, you can hand out fun invitations that go along with the theme, like lei necklaces or custom sunglasses. At the actual picnic, the theme should influence your setup, team building exercises, activities, and food and drink. PICNIC LOCATION Large public parks can easily accommodate big groups, but if you’re in a pinch, you can also use your company campus. If you have enough in your budget, you can rent a venue nearby that works with your theme. Make sure your location has enough seating for everyone and keep track of the weather reports for that day if you’re grilling outside. PICNIC FOOD/DRINK Let’s not forget the most important part of a good company picnic — the food! First, you need to consider what type of picnic will go best with your theme. Will this picnic be a potluck, or will the food be catered? Will alcohol be allowed at the picnic? If so, will the company provide it, or will it be BYOB? When in doubt, just choose the realistic option for your budget, and remember to stick with your theme. Ultimately, the purpose of your company picnic is to give your employees opportunities to bond outside the office and celebrate one another through awards and team building. Follow the above tips and your company picnic will go off without a hitch!



the performance of my business and investments,” and “My tax savings can supercharge how I build wealth!” Sounds empowering, doesn’t it? That’s because it is. It’s exciting to realize you can build your wealth through the way you approach taxes. Good things happen when you work with us. We will empower you through our extensive knowledge of the tax codes. We will ask questions to learn about your unique situation. If you have to ask all the questions, you have the wrong tax advisor. Remember, taxes are based on facts about your life.The more your tax advisor

understands the facts specific to you, the more opportunity to reduce your taxes. With the right advisor who has strategy in mind, you can legally reduce the amount of taxes you pay. Your tax advisor should know the tax law well enough to recommend strategies without having to bend any rules. If your facts don’t fit within the law, your advisor should tell you what you can do differently to take advantage of the law. You don’t have to be a tax expert, but you do want one on your team. Give us a call and let’s talk strategy for you and your business!

TAKE A BREAK change. Instead of being a bystander, tax strategy makes you an active participant. You might find yourself having thoughts like: “Taxes help me stay in touch with Taxes , noun: 1) a necessary evil for every person that they’ll never understand, 2) working hard all year just to give it away each April. Have you ever felt this way? I’d bet almost everyone has had similar thoughts. Often, people are taught to be passive onlookers with their taxes.The problem is that when you do this, you end up paying more than you need to. By some IRS estimates, nearly 93% of business owners overpay on their taxes. When you work with a tax advisor, like us, who applies tax strategy, you’ll start to notice your feelings toward taxes



1. Divide beef into 16 evenly sized balls. 2. Rip cheese into roughly equal pieces, creating 16 equal portions. 3. Using your index finger, create a small indentation in each ball. 4. Fill indention with cheese and pinch meat around to seal.Then gently form balls into 3/4-inch-thick patties. Season patties. 5. Meanwhile, heat a cast-iron skillet to medium-high. 6. Lightly coat skillet with oil and cook patties in batches. Brown one side undisturbed, about 3 minutes. Carefully flip and cook until desired doneness, about 3 minutes for medium. 7. Serve on toasted potato rolls with your favorite accompaniments.

Ingredients • 2 lbs. ground chuck beef, 20% lean • 8 slices melting cheese (like American, Swiss, Muenster, or cheddar) • 16 small potato rolls, toasted • Salt and pepper, to taste • Your favorite burger accompaniments The Juicy Lucy is a burger with cheese hiding in the patty, and it is a staple in Minnesota. We think it should be a Fourth of July favorite nationwide.

Inspired by Bon Appétit Magazine


(636) 394-5524

119 Old State Rd. Ellisville, MO 63021


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Finding Independence

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Avoid the Summer Heat Somewhere Cool

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Hosting a Company Picnic

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Change How You Feel About Taxes

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Juicy Lucy Sliders

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World UFO Day


MoreThan You Ever Wanted to Know About the Unexplained

In June 1982, Steven Spielberg introduced the world to gentle extraterrestrial E.T., and people were smitten. Long before the movie, though, we were curious about life outside of our own planet. Reports of strange objects in the sky have only fueled this curiosity. In the ‘50s, the Air Force coined the term unidentified flying object (UFO) to categorize any inexplicable aerial appearance, and thousands of UFO sightings have been reported since. On July 2,World UFO Day celebrates our enthusiasm for exploring the 1.What other flying object was the Roswell UFO discovery eventually said to be?

unexplainable. How much do you really know about these mysterious phenomena? UFOTRIVIA In 1947, in a field in Roswell, New Mexico, a rancher’s discovery of sophisticated foil and other strange debris spurred years of conspiracy theories, UFO sightings, and rumors of government cover up. Not until much later did the U.S. military admit the debris was part of a Cold War effort dubbed Project Mogul.

In 1952, the Robertson Panel, led by physicist H. P. Robertson, conducted an extensive review of some 12,000 reported UFO sightings the government had amassed. 2.What percentage of those sightings did the Robertson Panel determine could not be attributed to astronomical and meteorological phenomena like bright stars and auroras?

In 1996, the action-packed movie “Independence Day” depicted the world besieged by extraterrestrials intent on destroying the human race, and people swarmed to the theaters to see it. 3.Which hit movie about extraterrestrials was released a year later also starringWill Smith?


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