Caruso Jendrusch Generational Wealth

The SECURE Act 2.0 passed over the holidays, with the latest iteration of the retirement bill introducing big changes, including the RMD age increasing from 72 to 73 and an increase in catch-up contributions. Stay tuned for more details.

Sending you warm thoughts and best wishes for a wonderful new year.
May the days ahead be filled with joy, laughter, and prosperity for you and
those you hold most dear.

Wishing you and your loved ones a warm and joyful Christmas. May your holiday celebrations be filled with good cheer, wonderful surprises, and memories to last a lifetime.

My best Xmas memories are those four years when my son came home from college for the Holidays and we got to re-connect over music, food and family. ~ Jay Caruso

Opening up a brand new snow sled and going sledding Christmas morning, when I was 11 years old. ~ Jamison Jendrusch

My best memories are spending Christmas Eve with friends and family eating around a large table! ~ Jennifer Phan

Merry Christmas from our family to yours!

Christmas Tree Day!

Show us how you decorate your Christmas Tree.

In Hawaii, amid the verdant natural beauty and warm, welcoming waters, there stands a monument. The Pearl Harbor National Memorial marks the destruction of the USS Arizona, the final resting place of 1,102 soldiers who lost their lives on December 7, 1941. A total of 2,403 service members and civilians died in the attack. Pearl Harbor Day commemorates their sacrifice.

In the calm after the storm, we reflect and pay respect to lives dedicated to service. Each year, National Pearl Harbor Remembrance Day marks the anniversary with a commemorative ceremony at the memorial site to ensure each grateful generation never forgets the heroism and sacrifice of that terrible day.

December 4th is sock day and at our office we like to keep our work attire exciting by wearing unique dress socks!

Show us your most “fun” pair of socks. Bonus if you can guess who is wearing which socks.

The holiday's always gives us a chance to appreciate what we have – friendships, relationships, and a sense of togetherness. These gifts are priceless.

This holiday is also an appropriate time for me to thank you – for choosing me as your trusted financial professional and for allowing me to get to know you and help you as you pursue your goals.

I hope that this year’s Thanksgiving brings you some beautiful memories. I wish you a great Thanksgiving and a wonderful holiday season.

Have a trip coming up? These tips can help make your next flight as smooth as possible. Travel + Leisure has the tips:

9 Simple Ways to Make Your Flying Experience Smoother, According to Flight Attendants Flight attendants from around the world share their advice on making flying easier.

World Kindness Day!

On this Veterans Day we honor all of the brave men and women who have served our country, and those that continue to do so. I would like to acknowledge the two outstanding men pictured below, these men are my grandfathers and they served nearly 2 years in the Army and 21 years in the Air Force respectively. I am proud to be the grandson of these two heroes. Let us take this day to reflect, and to thank all veterans, as well those still currently serving in the United States military for their courage, and willingness to make the ultimate sacrifice for us and our country.

The IRS announced adjustments for 2023, which address a few key areas:
https://www.irs.gov/newsroom/irs-provides-tax-inflation-adjustments-for-tax-year-2023.

What does that mean for you?

There are changes to capital gains tax rates, annual exclusion for gifts, estate tax exclusion, and more.

Have questions about the new rules? My office has 2023 tax resources that you may find helpful.

This material is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax professional before modifying your tax strategy.

Wishing everyone a safe and Happy Halloween.

These are our costumes, show us what you are wearing for Halloween!

What can a fairy tale teach us about goal-setting success? Watch our video and find out.

Once Upon a Goal Do you know how to set up your financial goals for success? This knight does.