Capital Advisory Group, Inc. April 2019


119 Old State Rd., Ellisville, MO 63021

APR 2019

It’s one of the most wonderful times of the year here in St. Louis — baseball season! Do you look forward to baseball all year like we do? With the Cardinals’ season getting underway, we know what we’ll be doing this spring! Opening day isn’t far away, and we can’t wait! There are a few highlights to look forward to in the 2019 season. International games like the Mariners in Tokyo and a Yankees-Red Sox mashup in London promise some excitement across the seas. The Cardinals versus the Angels in June will feature former Cardinal Albert Pujols (if he’s healthy). And the Cardinals versus the Cubs in September will round out a thrilling season. Even if baseball isn’t the event of the season for you, there are plenty of activities to enjoy this month. We can celebrate finishing up our taxes, and “Don’t Go to Work Unless It’s Fun Day” is on April 3 (which happens to be just before opening day for the Cardinals, just saying). Hopefully, you’re still as enthusiastic about your job as you were the day you started. After all, we spend so much of our time at work. We feel WHAT WE’RE EXCITED ABOUT THIS SPRING

fortunate around here to enjoy our work and the people we work with — including you! As tax season winds down, it’s a good time to evaluate some of the bigger picture aspects of your finances. People tend to stop thinking about their taxes the minute April 15 passes. It’s a mistake we see far too often. You prep for the first few months of the year and then don’t think about them for another eight months.There’s no way you can maximize your options taking this route. You don’t have to think about taxes every day (leave that to us), but employing a quarterly system that involves some planning and review can help you make the most of your finances. Implementing a cohesive tax strategy is one of the most important steps you can take in 2019.

Speaking of important steps, Shred Day is happening on April 27! We’re looking forward to hosting this event for the second year and helping you clean out your offices and some of the outdated tax documents that are no longer serving you. Come join us and our local shred company for a day of fun — and freedom from clutter! P.S. In case you missed it, we wrote a book! We know it’s going to be really helpful as you’re developing your tax strategy, so we’ve included more information about it inside this newsletter. -Jeff and John Zufall

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3 Hilarious Pranks Played by Businesses COMPANIES THAT PARTICIPATE IN APRIL FOOLS’ DAY

Baseball’s opening day has been an American holiday of sorts since the Cincinnati Red Stockings threw out the first major league pitch in 1869. To celebrate the start of the 150th season of professional baseball, here are three of the best opening days in baseball history. A NEWBEGINNING On April 15, 1947, an opening-day game changed the course of Major League Baseball. On this day, Jackie Robinson started for the Brooklyn Dodgers, becoming the first African-American player to start for a major league baseball team. Robinson’s historic showing was lackluster, going 0-for-3 at the plate and making a solid showing on the infield at first base, but his mere presence in a Dodgers uniform had already broken history. Despite his nationally-recognized skills — Robinson was named MVP of the MLB farm team league in 1946 — the backlash that followed his rise to the pros, both from fans and teammates, was palpable. Still, as well-known sportscaster Howard Cosell Considered one of the best teams in baseball history, the 1927 New York Yankees started their historic run and 25th season by dismantling the Philadelphia Athletics with a score of 8–3.The slugfest was true to form for the 1927 Yankees, whose players would go on to make up baseball’s famous “Murderers’ Row.” With sluggers like Lou Gehrig, Earle Combs, Babe Ruth, Mark Koenig, Bob Meusel, and Tony Lazzeri, it’s no wonder this team went on to win its fifth championship that year. THE HAMMERTIES BAMBINO For decades, no one could match George Herman Ruth.The Great Bambino’s all-time home run record seemed like an impossible feat of strength — that is, until Henry “Hammerin’ Hank” Aaron came along. On opening day, April 4, 1974, Aaron smashed his 714th homer, tying Babe Ruth for the most home runs ever hit and extending the Atlanta Braves’ shutout lead over the Cincinnati Reds. A few weeks later, Aaron surpassed Ruth’s record, prompting a standing ovation from the crowd. The Best Opening Days in Baseball History PEANUTS AND CRACKER JACKS said, “Suddenly, it was a new beginning.” LOU, COMBS, AND BABE —OHMY!

April Fools’ Day might be the only appropriate time of year for you to prank your friends or coworkers with gags like dipping an onion in caramel and offering it as a candy apple or loosening the tops of the salt and pepper shakers. It’s also the one day of the year when big companies get to join in the mischief as well. Check out these company-wide April Fools’ jokes that left millions of people scratching their heads. NETFLIX’S PSA In 2015, everyone’s favorite online streaming company issued a PSA that warned binge-watchers all over the world of the social, physical, and psychological dangers of watching too much TV. In fact, if viewers watched more than two consecutive episodes of a show on April 1, they were greeted with a PSA from popular actors, like Michael Kelly from “House of Cards” or Taylor Schilling from “Orange Is the New Black.” Some stars even told Netflix users to “Turn off the TV and take a shower. You stink!” BURGER KING’S CHOCOLATEWHOPPER Just last year, Burger King fooled hungry customers by creating the Chocolate Whopper.The imaginary fast-food treat is made with chocolate cake buns, a chocolate “beef ” patty, raspberry syrup as the ketchup, rings of white chocolate as the onions, milk chocolate as the lettuce, vanilla frosting as mayo, and candied blood oranges as the tomatoes.This prank was quite a creative feat by Burger King staff, and merely watching the advertisement spiked glucose levels everywhere. EHARMONY’S ‘FUREVER LOVE’ DATING SERVICE FOR DOGS Perhaps the most wholesome prank that’s ever been peddled to the masses was the launching of eHarmony’s FURever Love: Canine Compatibility Companion Service.The dating website claimed that based on the algorithms they use for creating compatible human relationships, they built this service to “create robust profiles for dogs based on key dimensions of their personality.”The biographies they created for the pups’ profiles included canine mate preferences, like “Looking for a tug-o-war partner,” “Must love squirrels,” and “It’s been ruff finding a quality stud to go on walks with.” While these April Fools’ Day jokes were all made in jest, the pranks certainly kept audiences guessing long after April 1 had passed, and it’s not hard to see why.


7th Annual Shred the Clutter Event Time to shred the documents you no longer need. Go to to see what you need to keep! Bring everything else to be shredded free of charge.

Saturday, April 27, 2019 10:00 am to 12:30 pm

119 Old State Rd. Ellisville, MO 63021

Light Refreshments will be provided.


119 Old State Road Ellisville, MO 63021 Office: 636.394.5524 Fax: 636.394.0218

Sensitive Material That Can Be Destroyed On-Site in Pro-Shred Trucks:

PURCHASING, SALES, & MARKETING Old Tax Returns Purchase Orders Supplier Records Supplier Condential Information Corporate Records Requisitions Sales Contracts Sales Invoices Customer Lists and Contacts Strategies Advertising Activity Sheets Training Information


Payroll Information Performance Appraisals Applications Disciplinary Reports and Promotions Medical Records Treatment Programs


Manuals Training Information Activity Sheets General Service Information Health and Safety Issues Appraisals, Product Testing, Etc.


Contracts Budgets Strategic Reports Legal Contracts Correspondence

NON-PAPER DESTRUCTION CD-ROMS/CD-RS/DVDs Computer Backups Videotapes/Cassette Tapes All Types of Paper Staples, Paper clips, Binder Clips

Hanging Folders Product Samples Plastic Credit and ID Cards

Securities oered through Kestra Investment Services, LLC, (Kestra IS), member FINRA/SIPC. Investment Advisory Services oered through Kestra Advisory Services, LLC, (Kestra AS) an aliate of Kestra IS. Capital Advisory Group, Inc. is not aliated with Kestra IS or Kestra AS. Kestra IS or Kestra AS is not a CPA.

LEVERAGE THE NEW TAX LAW TO YOUR ADVANTAGE Jeff Shows You How to ‘Keep What’s Yours’

Does the thought of dealing with the IRS make you more anxious than being the target of an April Fools’ prank? If so, you’re not alone. If memorizing the tax code were a requirement for starting a business, no one would become an entrepreneur! Fortunately, you don’t need to know every section of the tax code to leverage it to your advantage. According to the IRS, 92.6 percent of business owners and investors overpay their taxes each year. While taxes can seem daunting, tax law was written to help businesses, not penalize them. But to get those advantages, you have to be proactive about tax planning. Jeff Zufall’s new book, “Keep What’s Yours,” calls upon 30 years of tax planning experience to show you how to keep more money in your pocket through proactive tax planning strategies.

Jeff ’s book was written with small-business owners and investors in mind. In “Keep What’s Yours,” Jeff shows how you can retain tens of thousands of dollars you would otherwise pay in taxes. “Keep What’s Yours” includes specific, easy to implement strategies to maximize your deductions and reduce your taxes for the coming year. While you may be almost finished filing your 2018 taxes, it’s the prime time to start planning and implementing your strategy for 2019. Key takeaways from the book include: • How new tax laws make C corporations even more valuable • How to calculate and use the new Qualified Business Income (QBI) deduction

• How to write off 100 percent of the cost of vehicles and equipment acquired for your business • How to eliminate self- employment taxes Discover how proactive tax strategy planning will help you keep more of what’s yours. From there, you’ll get to use what you were paying in taxes to actually reach your financial goals. Get your copy here: offer-page25326725.

With no fancy sauces, no frills, and no cheese, these all- American burgers are perfect for the start of baseball season. TAKE A BREAK OPENING DAY HAMBURGERS Inspired by Saveur Magazine



• 1 pound ground chuck, 80 percent lean • 4 soft, white hamburger buns, split • 4 1/4-inch-thick tomato slices • 12–16 pickle rounds • 4 small leaves iceberg lettuce • 4 1/4-inch-thick yellow onion slices • 1 teaspoon vegetable oil • Salt and pepper, to taste • Condiments of your choice

1. Lightly grease a small nonstick skillet with oil. Heat over medium-high. 2. While heating, gently shape meat into four patties 3 1/2 inches in diameter. Be careful to handle the meat as little as possible to prevent tough burgers. Season liberally with salt and pepper. 3. Sear patties on each side, about 1 minute per side. Reduce heat to medium-low and continue cooking until desired doneness, about 1 more minute per side for medium-rare, 2 more per side for medium-well. 4. Let meat rest for a minimum of 3 minutes. 5. To assemble, place patty on bottom bun and top with tomato, pickles, lettuce, and onion (in that order). Spread condiments on top half of bun and place on top of onion. Serve.


(636) 394-5524

119 Old State Rd. Ellisville, MO 63021


Spring Has Sprung

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3 Great Opening Days in Baseball

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3 Hilarious April Fools’Pranks Played by Businesses

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How to ’KeepWhat’s Yours’

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Opening Day Hamburgers

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Celebrating Our Superheros

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Keep an Eye outThis April

Over 20 years ago, Marvel employees dedicated April 28 to the superheroes of its universe (and others). April is a fitting month considering one of the first superhero comics was published in April 1938. “Action Comics 1” kicked off the genre and created one of the most recognizable characters of all time — Superman.

Since then, Marvel and DC Comics have made homes for these characters in graphic novels, on TV, and in movies. But what exactly turns an ordinary person into a superhero? Heroes usually have a few characteristics in common. 3 CHARACTERISTICS OF A SUPERHERO: 1.They Face and Overcome Obstacles AlongTheir Journey Spiderman learns how to use his newfound powers and stumbles along the way. Batman experiences the death of his parents and other grueling trials to reinvent himself.

Jean Gray becomes the Phoenix. Rogue discovers the power she detested can be used for good. Superheroes burst through obstacles that often involve crucial choices that direct their paths, and they come out stronger on the other side. and Superman, Green Goblin and Spiderman, Loki and Thor, Magneto and the X-Men, Killmonger and Black Panther: you see this theme throughout superhero stories. A superhero’s nemesis often has similar skills or powers to the superhero but chooses to use them for different purposes. Which brings us to ... 2.They Have a Nemesis Who ChallengesThem Lex Luthor

3.They Fight for Justice Superheroes typically fight in the name of justice. It might be protecting the citizens of a vulnerable community, ridding the world of a nefarious presence, or some other noble cause. Of course, National Superhero Day isn’t just about the fantastic fictional superheroes who grace the pages of graphic novels. It’s also about our real life, everyday superheroes: parents, teachers, a caring nurse or doctor, service women and men, and anyone else who puts forth heroic efforts for others. On April 28, take a moment to thank all the heroes around you.


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