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Celebrate Indoors & Outdoors Up to 75 people Waterfront Italian Restaurant Taste All Your Italian American Favorites Along With Some Unique Recipes From e Old Country Extensive Wine Selection Join Us For Dinner • Tuesday – Sunday from 5pm Call Now For Reservations 718.767.3100 154 – 11 Powells Cove Boulevard (corner of 154th St.) Whitestone, NY 2 CRYDER POINT Courier | APRIL 2013 | www.queenscourier.com Year-End Review -- Shining a Spotlight on Your Finances May Brighten Your Future The Lev Group are Financial Advisor at Morgan Stanley Smith Barney located in Garden City, NY and may be reached at 516-227-2899. For Excellence In Dentistry! www.whitestonedentist.com Douglas L. Maggio, D.D.S. 718.767.7575 11-17 166th St, Whitestone, NY 11357 General Dentistry for Adults And Children COSMETIC DENTISTRY · IMPLANTS Dentistry For The Apprehensive Nitrous Oxide (Sweet Air) Painless Anesthesia · Endodontics Oral Surgery · Prosthodontics Digital Radiography · Periodontics Emergencies Seen Promptly 10% OFF FOR CRYDER POINT RESIDENTS Most Insurance Plans Accepted FREE Exam And Necessary X-Rays For New Patients KIDS SPECIAL FREE Exam And Necessary X-Rays For Children 12 & Under 20% OFF Brite Smile In Office Teeth Whitening “Blocks from Cryder Point” A year-end financial review can be instrumental to your future financial success. However, you may not want to wait until the end of the year to review your financial affairs. Consider doing it during the fall so you’ll have ample time to take any corrective action before year’s end. Here’s a quick look at some of the key issues you should consider when conducting your review. Review your retirement assets. Whether your retirement is a long way off or right around the corner, it is likely that you’ll have to make periodic adjustments to your retirement portfolio. Make sure the investments you’ve chosen are still an accurate reflection of your risk tolerance and time horizon Keep tabs on college funding plans. With college costs reaching astronomical heights, you need to utilize every available college funding resource. Financial aid and scholarships, as well as the Lifetime Learning Credit and Hope Scholarship Credit may help alleviate the college cost crunch. However, aid and tax credits alone generally will not fund your child’s college education. Make sure you’re saving and investing enough to help meet your goals. At a minimum, take advantage of the tax savings offered through an Education IRA. Assess your income tax picture. You may be able to reduce your tax burden -- sometimes significantly -- by making strategic tax decisions before the end of the year. Your tax professional can alert you to any tax planning strategies that might make sense for your situation. Review critical documents. Because life’s circumstances continually change, you should review your legal documents and beneficiary designations every year. This will entail carefully combing through any wills, trusts, retirement plan documents and life insurance policies to make sure they’re up-to-date. Seek the assistance of a qualified adviser if any modifications are necessary Set goals for next year and beyond. A year-end review is an excellent time to start thinking about next year and setting some long-term goals. Take a close look at your day-to-day finances to see if you can reduce expenses and save more. Then make an honest assessment of which goals are most important to you and then commit to meeting them. Article by McGraw Hill and provided courtesy of Morgan Stanley Financial Advisor. The author(s) are not employees of Morgan Stanley Smith Barney LLC (“MSSB”). The opinions expressed by the authors are solely their own and do not necessarily reflect those of MSSB. The information and data in the article or publication has been obtained from sources outside of MSSB and MSSB makes no representations or guarantees as to the accuracy or completeness of information or data from sources outside of MSSB. Neither the information provided nor any opinion expressed constitutes a solicitation by MSSB with respect to the purchase or sale of any security, investment, strategy or product that may be mentioned. Morgan Stanley Financial Advisor(s) engaged Schneps Communications feature this article. Corey Lev and Judy Lev may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where The Lev Group is not registered or excluded or exempt from registration. Investments and services offered through Morgan Stanley Smith Barney LLC, member SIPC. CRC 418082 (11/11) Morgan Stanley Smith Barney LLC and its affiliates do not provide tax or legal advice. To the extent that this material or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Any such taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor. © 2009 Morgan Stanley Smith Barney LLC. Member SIPC.
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