Important News for Our Clients
November Insights


The first step towards getting somewhere is to decide you’re not going to stay where you are.
J.P. Morgan

A new year generally inspires the hopeful thought that anything is possible. We resolve to eat better, exercise more, be bolder and pursue new hobbies and interests. However, you don’t need to wait until the new year to work toward your dreams.

Now is the perfect time to ensure you end the year with your best foot forward—in all aspects of life, financial or otherwise. There are only a few weeks left in the decade, and we hope you make the most of them, using the attached resources as a starting point.

Once the holidays are in full swing, it’s hard enough to keep up, let alone get ahead. Take advantage of the calm before the storm by talking with your spouse or advisor about what, if any, year-end financial opportunities you want to pursue. Our first article provides a list of seven actions you can take now to save money in the future. The next piece explores how much money individuals are putting away for retirement this year, and the number-one saver might surprise you. Next is an article with eight tax strategies that can help you optimize 2019. Whether your goals are related to finance or not, our fourth piece provides a thorough discussion on how you can become better at setting and achieving your goals. The final piece we’ve included offers nine considerations you should make when reviewing your equity compensation.

If you have any questions, would like to speak more about the ideas in this letter or want more information on the current state of the market, please contact me. I would be happy to chat.

Articles of Interest 

From maximizing retirement contributions to making charitable donations, these seven financial planning opportunities could help you save a lot of money. But don’t delay—investors will need to act on these before year end.

Did you know that men are more likely than women to make the maximum retirement plan contribution? Learn more about how much you can put away this year, plus tips for contributing wisely, even if you can’t afford to give the max.

Nobody likes to pay more taxes than necessary. These tax strategies can help ensure that you are taking advantage of all available options, so you’ll be more than prepared when April rolls around.

Ditch your New Year’s resolutions in lieu of some goal-setting techniques that will help you achieve your dreams at any time of the year. This clear and detailed piece is an excellent guide for helping you get started.

With the end of the year quickly approaching, it is time to review your equity compensation. As you take stock of your current situation, these nine considerations and tips can provide much-needed clarity and direction.

Third-party websites are not created or endorsed by Capital Investment Management, Inc. They are maintained by an unaffiliated third party. Outside third party material may not be regulated under the same standards as Registered Investment Advisors. Capital Investment Management, Inc. makes no representation as to the completeness or accuracy of the information provided, and disclaims any responsibility for or endorsement of, the recommendations made at or content included on the websites referenced herein.
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Capital Investment Management, Inc., Loring Ward, and Dimensional are unaffiliated entities
Capital Investment Management, Inc. does not specifically endorse any of the web sites listed. They are merely provided as potential resources. Information within this email may change over time based on rules/regulations/data changes and other variables. 
Financial Advisors do not provide specific tax/legal advice & this information shouldn't be considered as such. You should always consult your tax/legal advisor regarding your own specific tax/legal situation.
Past performance is not indicative of future results and no investment strategy is free from risk, nor do they guarantee returns