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YOUR FINANCIAL ADVOCATE 24 AUG
LESSONS IN LIFE AND LEARNING
Embrace Growth Beyond the Classroom
It’s hard to believe that we’re already entering August. This year feels like it has flown by in an instant! Within the next couple of weeks, the kids in our community will return to school to start the next stage of their education. In years past, the beginning of the school year seemed like it always occurred in September, but now, the first day of school comes earlier and earlier every year. With this upcoming school year, my family will experience plenty of change, and it’s all for the better! In a previous newsletter, I talked about my daughter’s graduation, but now, she’s getting ready to start an exciting job in her field. She’s going to teach the third grade, giving back-to-school season a brand-new meaning for her and my family. She’s flipping the script and will now be the educator instead of the student. Hopefully, the kids will be respectful and pay attention to what she tries to teach them instead of ignoring her lessons!
“When we stop learning, we stop
As we went through the process of vetting her interview opportunities and trying to discern
growing. And if you’re not growing, life will pass you by.”
journey. We don’t stop learning new things about ourselves, the world around us, and our industries once we start our careers. I spend plenty of time and money each year on personal development and growth to learn new things and be better at my job. I even take on the role of teacher at certain moments. We recently added two new people to our team that I will be assisting and training so they can learn more about the job and industry as a whole. As technology continues to evolve, there will always be new things to learn. School and learning never really stop for us; it just becomes a lot less formal!
her path, it renewed my sensitivity about how difficult it is to make that first choice when starting a new career. When she asked for my guidance, I provided her with the same philosophy that I would give to any other young adult going through the same situation. You’re going to change careers, industries, and just about everything else in your life as you get older. Remain flexible and be inquisitive in trying to improve yourself. This is just a starting point! My daughter decided to take a job working with Columbus Public Schools as a third-grade teacher. This position was originally low on her list when we started the process since it would be a big city school, but it ended up being the best fit. Now, I’m officially an empty nester, as she has moved into her own house and is starting her teaching career this month. It’s just another example of how quickly time flies!
When we stop learning, we stop growing. And if you’re not growing, life will pass you by. Don’t let life leave you in the dust!
As we proceed through back-to-school season, I think this is a great time for all of us to remember that learning is a lifelong
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HANNAH GILLESPIE, RECEPTIONIST STAFF SPOTLIGHT:
WHAT IS YOUR ROLE AT DUPONT AND BLUMENSTIEL? I started working here in February of 2024 as a receptionist. My typical workday includes answering incoming phone calls and directing them to the right person, responding to emails, preparing deeds, helping our probate paralegal, Emily, with mailings, and acting as a witness for estate planning signings. My favorite part of my job is answering the phones because it is the first step in creating a good experience for our clients. In the future, I hope to become an attorney. I’ve taken the LSAT and am currently preparing for law school!
WHAT IS SOMETHING MOST PEOPLE DON’T KNOW ABOUT YOU? Most people don’t know that I’m obsessed with reality TV and game shows. My favorites are Big Brother, The Amazing Race, and Survivor. I was even in a Survivor club at Ohio State! WHAT WOULD YOU SAY TO SOMEONE HESITANT ABOUT CREATING AN ESTATE PLAN? I would say to definitely do it. It saves your family and friends a lot of time and money in the long run. It can also give them a sense of security.
WE APPRECIATE YOU
WHAT HAVE WE BEEN TALKING ABOUT IN THE PODCAST?
We want to use this space to express our gratitude to the following members of the community who have recently
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EPISODE 51: “Smart Retirement Strategies Amid Changing World Demographics”
Elaine Russo Michelle Jeffries Chris Wise Katie Martin
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The Power of Tax-Efficient Investing Maximize Your Savings
The goal is to keep as much of your money as possible — thus, tax-efficient investing is an important part of your financial planning that sometimes gets overlooked. By strategically planning your investments, you can keep more of your hard-earned money and minimize your tax liability while maximizing your returns. UTILIZE TAX-ADVANTAGED ACCOUNTS Tax-advantaged accounts such as 401(k) s, IRAs, Roth IRAs, and health savings accounts (HSAs) are some of the most straightforward ways to reduce your tax burden. Contributions to traditional 401(k) s and IRAs are made with pre-tax dollars, which lowers your taxable income for the year. Roth IRAs, on the other hand, are funded with after-tax dollars but any withdrawals made in retirement are tax-free. HSA contributions are tax-deductible. This means that the funds grow without being
taxed, and withdrawals for qualified medical expenses are also tax-free.
local income taxes. This can make them an excellent option for investors in higher tax brackets who want to keep their savings as high as possible. DIVIDEND INVESTING Dividends from qualified stocks are taxed at a lower rate than regular income. By investing in dividend-paying stocks, you can benefit from a steady income stream that is taxed at a more favorable rate, making it helpful for retirees who want to generate income while minimizing their tax burden. Remember: Tax-efficient investing requires thoughtful planning and a strategic approach. Give us a call today. We can help you tailor these strategies to your specific situation and ensure that you maximize your returns in the most tax- efficient way possible!
TAX-LOSS HARVESTING In tax-loss harvesting, you typically sell investments that have declined in value to offset the gains from other investments. This can reduce your taxable capital gains and allow you to keep more of your investment returns. LONG-TERM CAPITAL GAINS For the most part, long-term capital gains, which apply to assets held for more than a year, are taxed at a lower rate than short- term capital gains. This lower tax rate can significantly impact your overall returns — talk about tax-efficient investing! MUNICIPAL BONDS The interest earned from municipal bonds is usually exempt from federal, state, and
SUDOKU
LIME CHICKEN WITH CORN AND POBLANO SALAD
Inspired by PureWow.com
There’s still time to enjoy sweet summer corn with this lime chicken dish.
INGREDIENTS
Chicken •
Corn and poblano salad • 2 tbsp olive oil •
3 tbsp olive oil
1 cup all-purpose flour 1 1/2 tsp garlic powder 1/2 tsp cayenne pepper
2 poblano peppers, diced 2 garlic cloves, minced
• • • • • • •
• • • • • •
1 14-oz can of corn 4 scallions, minced
1 1/2 tsp salt
3/4 tsp black pepper
Juice of 2 limes
Zest of 1 lime
1/3 cup chopped cilantro
8 chicken thighs
Salt and pepper
DIRECTIONS
1. Preheat oven to 400 F. 2. In a large oven-proof skillet, heat olive oil over medium heat.
3. In a bowl, whisk flour, spices, and lime zest. Dredge chicken in the mix to coat. 4. Add chicken, skin-side down, to skillet, then place skillet in the oven for 30–35 minutes. 5. In a medium skillet, heat olive oil and add poblanos. Sauté 4–5 minutes. Add garlic and sauté for another minute. 6. In a bowl, add poblano mix, corn, scallions, lime juice, and cilantro, toss and serve with the chicken.
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YOUR FINANCIAL ADVOCATE A publication of Advocate Wealth Solutions, blending original and curated content, and is intended to educate the general public about investing, finance, estate planning, personal injury, and small-business issues. It is not intended to be legal or financial advice. Every situation is different. The information in this newsletter may be freely copied and distributed as long as the newsletter is copied in its entirety.
INSIDE Learning Never Stops PAGE 1
Staff Spotlight: Hannah Gillespie
Our Podcast
Client Appreciation PAGE 2
Strategic Investing — Keep More of Your Hard- Earned Money Lime Chicken With Corn and Poblano Salad PAGE 3 The Ultimate Beach Retreats to Visit This Year PAGE 4
Jet-Set to Paradise Palm-fringed beaches, crystal-clear waters, and intimate jungle views — if you’re ready DISCOVER 2024’S TOP TROPICAL GETAWAYS
Térraba-Sierpe Wetland, Costa Rica’s largest mangrove swamps. If you want the most luxurious experience possible, the Nayara Tented Camp is one of the newest hot spots for a glamping trip. The resort is made up of private tents at a spot with incredible views and offers five-star amenities. PANAMA If you want a mix of old-world charm and modern splendor, Panama has established itself as one of the “it” destinations for travelers. This country offers a little bit of everything, from rainforests and beaches to vibrant cities. Whether you want to stroll down the historic neighborhood of Casco Viejo and marvel at the architecture or visit one of its museums, Panama gives guests a mix of activities and chances to spoil themselves.
to fly off to a tropical paradise in 2024, this year’s trend is small beach resorts and private retreats. If you want to book a tropical trip, you should check out these destinations that travel experts can’t stop talking about. Grab your sunscreen and a sense of adventure because these three destinations are sailing atop the charts! COSTA RICA There’s a reason Travel + Leisure named Costa Rica the best destination in 2024. Known worldwide for its lush rainforests, beautiful beaches, and unique biodiversity, this peaceful nation is a haven for nature lovers. You can explore the jungle and view native animals by visiting one of the country’s volcanoes, nature preserves, or the
SAINT KITTS The island of Saint Kitts is a nature-lovers paradise in the West Indies. With rainforests, mountains, and serene shores, you can explore by land or relax on the beach. Catch a glimpse of elusive green vervet monkeys at Mount Liamuiga or step back in time by visiting the Brimstone Hill National Fortress. Snorkeling and golf are popular pastimes in this growing hot spot of the Caribbean. As you plan for your next great tropical escape, set sail for one of 2024’s hottest destinations. Whether you want to traverse nature or lounge on immaculate beaches all day, your seaside oasis awaits you!
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