The Lowry Letter®

The Lowry Letter® - 1/26/2023

It’s hard to believe that January 2023 is almost over. Modest improvement in stock and bond markets has been welcome, but we expect short-term volatility to continue (see Ask the Joes below).

A reminder: It’s not too late to adjust your retirement plan contributions to take advantage of new limits. It’s easier to make a change like this in January than in November!

For those of you waiting for tax forms, they will be accessible via Investor360 soon and this little video will show you how to find and retrieve them. Of course, we are happy to help with that as needed.

The Lowry Letter® - 1/19/2023

Many of you are anxiously awaiting tax statements for 2022. Every year, NFS requests a 30-day extension from the IRS’s initial mailing deadline of February 15 to mail tax forms because some investment issuers are unable to submit final tax information in time. By requesting this extension, NFS helps to ensure that clients will receive just one, correct form instead of multiple corrected forms that could result in them having to amend their tax returns.


We understand that this can be inconvenient and will keep you informed of delays that may affect your accounts. Please let us know if you have any questions

The Lowry Letter® - 1/11/2023

Many of you use Investor360 to review account values and activity in your investment accounts. If you have bookmarked in your browser, please change it to investor360.COM. The .net address will not forward any longer.

Our 4th quarter market recap is available here. Now, onto this week’s items.

The Lowry Letter® - 1/4/2023

Happy New Year! We hope the holidays have been good to you and your loved ones. We have previously mentioned a new SECURE Act and provisions of that legislation were signed into law by President Biden on December 29, 2022 as part of the Consolidated Appropriations Act, 2023.

The Lowry Letter® - 12/21/2022

For those of you who celebrate Christmas, we hope you have a peaceful and happy holiday. As the Lowry Letter® will be on vacation next week, we also wish you a Happy New Year!

The Lowry Letter® - 12/14/2022

First, some housekeeping: Joe Jr. will be out of the office from December 19th until January 3rd for an extended family adventure. Joe Sr will be available during that time, as will Cale and the rest of the team.

The November market update is out and available here. For some forward- looking commentary, this post has good information.

The Lowry Letter® - 12/7/2022

2022 is in the homestretch. Now is the time to handle any remaining charitable contributions, required retirement account distributions, and other tax and calendar-related adjustments. From our standpoint, this means some tax-loss harvesting where appropriate, so some of you will see investment activity reflecting that.

Please also plan to adjust your contributions to your 401k and other retirement accounts, as higher withdrawal limits come into effect in January.

The Lowry Letter® - 11/30/2022

We hope that you had a pleasant Thanksgiving holiday. We enjoyed the time with family and some excellent food. Pellet grill users may enjoy trying this turkey recipe, which we made for the second time for our family dinner.

One housekeeping note: many of you are aware that we are now using QuickBooks exclusively for billing our financial planning clients. Please let us know if you receive an invoice and have any questions about it.

The Lowry Letter® - 11/22/2022

This week’s letter is a short one. We love Thanksgiving and are looking forward to reflecting on the many things that bless our lives.

The Lowry Letter® - 11/18/2022

Last week, we attended Commonwealth’s annual national conference, held in-person for the first time since 2019. Our relationship with Commonwealth continues to be very important to our firm and the way we serve you, our valued clients.

Commonwealth provides the infrastructure that we use for investment research and management. They also ensure that we obey securities rules and regulations. They work only with independent advisory firms, like ours, and we are free to run our business as we see fit.