The Lowry Letter®

The Lowry Letter® - 12/4/19

The final month of the year is upon us. We recommend considering the following steps, if applicable to you:


·Charitable giving: If you have any donations to make, consider using Qualified Charitable Distributions if over 70 ½, or appreciated securities from taxable accounts. Either of these may be more tax-efficient than cash contributions.


·Adjust retirement plan contributions: A few weeks ago, we shared the updated contribution amounts. Making those adjustments effective for Jan 1 can insure that you maximize contributions..

The Lowry Letter® - 11/25/19

We have much to be grateful for. We live in a prosperous time. Many of the dangers that were commonplace for our ancestors are far from our personal experience. We face other challenges they did not have to deal with, but as another Thanksgiving comes, we can’t help but feel that gratitude.


We are thankful for the trust and excellent relationships we enjoy with you. This week, some things to be thankful for.

The Lowry Letter® - 11/18/19

We have a few IRS-related items in this week’s letter (including in Ask the Joes®) and hope you find them helpful. Tax revenues hit an all-time high during the most recent fiscal year, but spending continues to increase.

The Lowry Letter® - 11/11/19

National Financial Services is making a more comprehensive annual statement available to clients who request one by November 15th. This statement is of greatest value to those of your who use brokerage accounts for cash management and regular banking. For most others, the standard statement is sufficient.

Please let us know by the 15th if you would like one. We hope you enjoy this week’s letter!

The Lowry Letter® - 11/5/19

We love November. The weather finally gets a littler cooler in Gainesville and Thanksgiving brings all the best aspects of a holiday- extra family time and good food, without some of the stress of the other special days.


November is also Men’s Health Awareness month. Since Joe Sr’s successful bout with prostate cancer several years ago, the cause is even nearer to our hearts. As a result, you may spot a little more facial hair than normal during “No-shave November.” We’ll be supporting the Prevent Cancer Foundation this month and invite you to do the same.

The Lowry Letter® - 10/29/19

We do enjoy Halloween, and hope that everyone has a safe and enjoyable experience. Fortunately, we would say that this year has had more treats than tricks (speaking of the market of course).


The fourth quarter is the ideal time to clean up. This includes making sure that required minimum distributions are completed and charitable contributions have been provided for. Please let us know if you have any questions about taking care of any of those items.

The Lowry Letter® - 10/22/19

We’ve ordered our 2020 pocket calendars and would like to know who would like to receive one. More of you have transitioned to electronic calendars, so it is a little harder to gauge demand. Just let us know if you are interested and we will send them along!

The Lowry Letter® - 10/15/19

We're going to shed our normal format this week to hit some quick points and takeaways from our time at Commonwealth's national conference.

The Lowry Letter® - 10/8/19

We continue to hear of various phone and email scams. The persistence of the IRS scam in particular is troubling. Like most criminal endeavors, the goal is to catch us at a bad time, or on a bad day, and take advantage of that to extract the information criminals need.


As a rule, never provide information directly to someone who calls you. If you think the call may be legitimate, request a callback number and then verify that number directly with the actual entity in question. If the matter is actually that important, it can wait for this additional security check.

The Lowry Letter® - 10/2/2019

Fall has arrived, though for some of us little has changed. As we look forward (anxiously) to cooler weather, we will brave the heat to address item #2.

This week we head to Colorado for Commonwealth's annual conference. It's a great opportunity to gather some beneficial information and education and we look forward to sharing some of the highlights.