January 2011
Issue: 89
Sound, visionary stewardship

Welcome
 
Greetings!

 
If you don't know where you are going,
you'll end up someplace else.

--Yogi Berra

A new year always brings new hopes, dreams and wishes. We've all learned that they will stay just "hopes, dreams and wishes" unless we set some measurable goals to achieve our goals (notice I've not referred to them New Year's resolutions).

For the past few years I've been choosing three words to guide my year. (Thanks to ChrisBrogan.com for this great tool.) This year my three words form a theme "sharpen the saw"--one of Stephen Covey's seven habits. I have laid out things I want to achieve in my physical, social, mental and spiritual life. It's so important to continue to learn & grow.

Two years ago I started to practice yoga. I only did it at the yoga studio but recently I started a daily home practice. Boy, has my physical (and mental) flexibility improved! This year I want to incorporate Ayurveda in to my lifestyle.

What are you focusing on for 2011? Here's to making it your best year yet!
 
 
Cheers,
 
Paula Signature

 
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From Bill's Corner...

While everyone was enjoying the snow in early January, I was stuck in Florida at the University of Miami's 45th Annual Heckerling Institute on Estate Planning.  Nationally renowned prognosticators of estate planning converged on Orlando for the world's largest conference of its kind.  The big focus was new tax law-Tax Relief, Unemployment Reauthorization, and Job Creation Act of 2010 (TRA 2010) signed into law on December 17, 2010.  The law is a game-changer for the estate planning industry.  Previously, estate taxes drove all estate planning decisions, however, after the passage of TRA 2010, taxes will be less of an issue.   

Check out the January 28th edition of the Duxbury Reporter for more about what I learned.  

Bill signature
In This Issue
Are financial advisers are on your side?
The most overlooked tax deductions
Second spouses: passing it on
IRA donors catch a break
Spouses who invest apart: pros and cons
Room service in Terminal B
About us

 

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Time to Share. Create a Buzz.


Mozzarella in 30 minutes! It's true! You'll even be eating it while it's still warm!

 

Paula (a/k/a "the Mozzarella Maven") will be teaching her next class on Thursday, March 24 at 7:00 p.m. in Duxbury.

 

Online registration begins January 31. This class will sell out, so don't wait. 

 

Or, attend the South Shore Conservatory's

Chase Away the Blue's fundraiser on Saturday, January 29 to bid on the opportunity to have Paula do a mozzarella party for you and your friends in your home.

Are financial advisers are on your side?

Over the weekend, the Securities and Exchange Commission called for stockbrokers to put clients' interests ahead of the bottom line. But brokers aren't the only advisers who put themselves first. Consumers depend on financial experts of all stripes - and many are saddled with conflicts of interest that could cost you money.

Read on...
 

The most overlooked tax deductions

Every year, the IRS dutifully reports the most common blunders that taxpayers make on their returns. And every year, at or near the top of the "oops" list is forgetting to enter their Social Security number at the top of the tax form -- or making a mistake when entering those nine digits. Here are the top 19 breaks that you shouldn't pass up.

Second spouses: passing it on

Because of divorce or death, almost half of all marriages are second marriages-and new mates usually enjoy the same inheritance rights as first spouses. Here's a brief roundup of the rules that govern where the money goes. 

 

Read on...

IRA donors catch a break

Here's some good news for donors: The mammoth tax bill just passed by Congress resurrects an expired provision allowing special charitable donations of individual-retirement-account assets for taxpayers 70 and older. The benefit has been extended through 2011 and gives extra time to those who want to donate this year.

Read on...

Spouses who invest apart: pros and cons

Since the crash, the number of couples who say they've divided some of their finances has grown almost 20 percent. But splitting the investing pie doesn't always pay off-fiscally or emotionally. Here's a look at the pros and cons of going solo.

Read on...

Room service in Terminal B

Flight canceled? How to get a cot, food, a shower and fastest flight out.

 

Read on...

About us

We are authentic, thoughtful, straight-shooters who provide the sound, visionary financial stewardship that helps our clients protect their financial foundation while building their wealth.

 

We are private and independent, which means we have the unique ability to build deep, meaningful relationships with our clients with no competing agendas.

 

We have several decades of broad financial and business expertise that enables us to knowledgeably advise on a wide range of financial and business affairs and to help our clients navigate the sea of complexity with confidence.

 

We are strong believers in the power of near-term, actionable planning and disciplined focus on forward-facing goals.

 

We are at our best when we help our clients optimize their financial resources to realize their goals and dreams.


Cheers
,

Paula Harris and Bill Harris, CFP
WH Cornerstone Investments
781.934.9154
www.whcornerstone.com

Sound, visionary stewardship