Page 2 - Means Wealth 2020/2021 Perspectives

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We are what we repeatedly do.
Excellence, then, is not an act, but a habit.

- Aristotle

TABLE OF CONTENTS

Introduction by Paul Means p. 3
News at Means p. 5
President Biden p. 7
How can I use my marginal tax rate bracket in my
year-end tax planning? p. 8
Is that tax refund really a good thing? p. 10
The Value of a Financial Power of Attorney p. 11
Estate Planning Considerations p. 12
401(k) Plans p. 14
In-Service Rollovers p. 16
Retirement Contribution Limits p. 18
Cybersecurity p. 19
Required Minimum Distributions p. 20
Credit Scores and You p. 22
Identity Theft: Now What? p. 24
Municipal Bonds p. 26
2021 Projected Tax-Exempt Chart p. 27
Wash Sale Rules p. 28
529 Plan Basics p. 29
Means Team p. 31
A Holiday Poem p. 32
This information was prepared by Means Wealth Management unless stated otherwise. Data contained herein from third-party
providers is obtained from what are considered reliable sources. However, its accuracy, completeness or reliability cannot be
guaranteed. The information in this material is not intended to act as individualized tax, legal, financial or investment advice.
Please consult a qualified attorney or tax professional for individualized legal or tax advice. Please contact us for specific
information regarding your individualized financial and investment planning needs.
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