“While you prepare to close the books on 2011, you should take a moment to consider your investment and tax planning. The inevitable debates in the upcoming election year surrounding the economy and national debt will likely lead to changes in tax policy. In the meantime, there is opportunity for individuals to take advantage of relatively low income tax rates and a potentially short window of time to transfer assets to family members using historically high exemptions. Of course, one should never let tax planning be the sole driver of major decisions surrounding investments and estate planning. Nonetheless, there are a number of ideas that you and your family may wish to consider before 2011 ends.”

This excerpt is taken from the best year-end-planning guide I’ve seen to date. It was provided to me by Renee Fourcade and Irene Apergis, financial advisors with USB Financial Services in Los Angeles. You can reach Irene at 310.722.8058, or you can reach Renee at 310.722.7058. Happy planning!