How Do You Reach Your 2019 Financial Resolutions?

The start of the new year always seems to represent new beginnings. It’s a time to remake our priorities and to reimagine our futures. Although the calendar may not recognize its significance, our humanity marks the passing of the old year with poignancy. We awaken to the opportunities that surely await us—just over the proverbial horizon. We may suppress our yearnings, but, nonetheless, we lay our hopes on the promise that the new year will be different, more fulfilling, more exciting, more focused. We’ll achieve our goals in the new year. So, how do you develop sound, achievable New Year’s resolutions, especially those involving your finances? And why are they so important? READ MORE

Putting a Price Tag On Your Health

We constantly hear how important it is to maintain a healthy lifestyle. That is not always easy, especially in the face of temptation or the easy option of procrastination. For some, the monetary benefits of maintaining a healthy lifestyle may provide an incentive. Being healthy not only makes you feel good, it may also help you financially. READ MORE



The Value of Insuring Against Life’s Risks

When you are planning for your future, what do you think about? You may think about your retirement, enjoying having the time and money to take trips and pursue your interests. Maybe you think about your home, and enjoying the feeling of stability that can come with home ownership. In making these plans, people often find that their long term view involves money, in some fashion. READ MORE




“Money grows on the tree of persistence.”

— Japanese Proverb

Planning to Pay Your Taxes

You can avoid surprises in filing your 2018 taxes by planning early. The IRS provides tips to help taxpayers prepare—especially with significant changes to the tax law.
The agency provides information with helpful steps for smoother tax filing. For information, go to
Here are the documents you should collect before preparing to file your return:
• Your 2017 tax return.
• Year-end Forms W-2 from employers.
• Forms 1099 from banks and other payers.
• Forms 1095-A from the Marketplace if you’re claiming the premium tax credit.
You should check with your employer, bank, and other institutions to ensure they have current mailing and email addresses. You typically receive those forms in January. They may be available online.
Examine the documents you are sent to ensure their accuracy. If you discover mistakes or errors, you should promptly contact whoever sent the documents to get immediate corrections.
You should retain tax returns and related documents for at least three years.
The best way to send your return is by e-file. E-file enables you to send your return faster and get refunds more quickly. For information, go to
Tax preparation software also makes filing easier, more efficient, and more accurate. The software steers you through the filing process and makes the proper mathematical calculations for you.
Using direct deposit ensures your refund goes directly into your bank account with little worries about lost, stolen, or misdirected checks.

* This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Tip adapted from the

Happy New Year from our family to yours,
The McIntosh Team

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