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1. Black Panther: Wakanda

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Mystery

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(NAPSI)—While the holiday season is generally a time of joy and celebration, military families can o en experience a very di erent range of emotions. Active service members and veterans returning home for the holidays might struggle to participate in family gatherings or even nd the season particularly distressing. And, for the families of those service members who do not return, the holidays can be an agonizing reminder of a loved one’s absence.

In the spirit of the season, honoring the sacri ce of all men and women who proudly served in our armed forces through charitable giving can make a big di erence. Children of Fallen Patriots, a foundation that honors the sacri ces of fallen military heroes by helping ensure the success of their children through college education, has outlined several ways that showcase how charitable giving ensures strong futures.

Support Veteran-Serving Organizations

Tens of thousands of non-pro ts exist in the United States dedicated to serving veterans and their families. With so many di erent veteran-serving organizations in the States, it’s crucial to ensure donations are doing the most good for heroes in need.

A good way to evaluate an organization is to use Charity Navigator, a renowned nonpro t evaluation site. e site rates charities on the cost-effectiveness and overall health of their programs on a four-star scale, evaluating their measures of stability, e ciency, and sustainability.

Care for Military Families in Need

Service members sel essly put their own lives on the line to ensure better lives for all Americans, but their families sacri ce much as well. While many organizations o er support directly to veterans, the family back home can get lost in the shu e.

Children of Fallen Patriots provides college scholarships and educational counseling to military children who lost a parent in the line of duty. Studies show that almost 25,000 children have lost a parent in the line of duty over the last 35 years. A college education is a signi cant nancial burden, and the majority of surviving military spouses make less than $50,000 annually.

Since 2002, Children of Fallen Patriots has provided over $61 million in support to over 2,700 children, including over 1,300 graduates. Additionally, the Gold Star family-focused nonpro t earned a perfect rating from Charity Navigator—an accomplishment less than 1% of the 200,000 rated charities have earned.

“ e best way to honor the sacri ce of our service members is to ensure better futures for their children,” said David Kim, co-founder and CEO of Children of Fallen Patriots. “A college education is the single most important gi we can give to the children of our fallen heroes, especially during the holiday season—a particularly di cult and stressful time for Gold Star families.”

Generosity Goes Beyond e Wal-

let

Making a donation is one of the easiest ways to support veteran-serving organizations, but plenty of options exist.

More and more people give their time by coordinating fundraising events, such as bake sales and 5k runs. ey also spread the word on social media so the country’s veteran community is supported and speak up about the issues that adversely a ect them.

Learn More

For further facts on what you can do, visit www.fallenpatriots.org.

AtYourService

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Calculating Required Minimum Distributions from IRAs and Retirement Plans to Change in 2022

Jeffrey H. Massey Certified Financial Planner™ Massey and Associates, Inc.

As the year comes to an end and we celebrate with our family and friends, it’s important to ensure that you have complied with any Required Minimum Distributions (RMDs) from your IRA or retirement plan. Failing to take out the RMD can result in a 50% penalty! That is not a typo, 50%! Read on for more important changes.

The IRS has issued new Life Expectancy Tables for 2022. (IRS, 2021) Every individual subject to annual Required Minimum Distributions (RMDs) will be affected. Whether someone is taking lifetime RMDs from their own IRA or taking RMDs on an inherited account, the RMD calculation will change. While most custodians will automatically implement the new tables and make the necessary adjustments internally, it is important for advisors, IRA owners and plan participants to understand the mechanics of these changes. Ultimately, it is the responsibility of the account owner to take out the proper Required Minimum Distribution.

After more than a year of waiting, the finalized [Life Expectancy] tables finally went into effect on January 1, 2022.

The Three Tables, despite the recent drop in overall life expectancy due to the pandemic, on average and over time, life expectancies have increased. Due to this increase, the IRS believed it was time to update the existing tables, which have been in effect for two decades. Note that the new tables do not reflect drastic changes. The boost in life expectancy factors range from no change for the oldest Americans up to an increase of 2.2 years for a newborn. Nevertheless, these slight alterations to the tables will result in somewhat smaller RMDs for just about everyone.

All three RMD life expectancy tables were revised: (IRS, 2021) 1. Uniform Lifetime Table: Used to calculate lifetime RMDs for an account owner’s own IRA or retirement plan. 2. Joint (and Last Survivor) Life Expectancy Table: Used instead of the Uniform Lifetime Table when a spouse is the sole IRA or plan beneficiary, and that spouse is more than 10 years younger than the IRA owner or plan participant. 3. Single Life Expectancy Table: Under the SECURE Act, only used to calculate post-death RMDs for “eligible designated beneficiaries” (i.e., surviving spouse; minor child of the account owner/participant; chronically ill or disabled individual; those beneficiaries who are not more than 10 years younger than the owner/ participant). The Single Life Expectancy Table is also used if an IRA owner dies after the required beginning date (RBD) (April 1 of the year following the year the IRA owner turns age 72) without naming a living beneficiary, i.e., the “ghost rule.” Additionally, this table is used to calculate annual RMDs from inherited IRAs for beneficiaries who inherited prior to the SECURE Act in 2020.

The Single Life Table is never used by IRA owners or plan participants to calculate lifetime required distributions. The new tables may also be used to calculate 72(t) periodic payments. Under the Internal Revenue Code 72(t) an individual is allowed to withdraw money from pretax accounts prior to the age of 59 and ½ without the 10% early withdrawal penalty. The payments must stay in place for a minimum of 5 years or until the individual becomes 59 ½, whichever is longer. These payments can be calculated in different ways, annuitization, amortization and required minimum distribution, from this chart. It is important to work with an advisor that has experience calculating these payments. The easiest change to implement is for those account owners taking lifetime RMDs based on the Uniform Lifetime Table. The Uniform Lifetime Table is a “recalculating” table. This means that each year a person will go back to the table to find his age and corresponding life expectancy factor. This new factor is then divided into the December 31 account balance from the previous year to compute the RMD. Since those individuals using the Uniform Lifetime Table are recalculating every year, identifying the appropriate number is straightforward; just go to the chart based on your age as of December 31st of the RMD year.

The former RMD age rule was your first year of distribution was based on your age 70 and 1/2, now it is the year you turn 72. Congress finally dropped off the ½ year.

Those individuals That had, or will have, their 72nd birthday in 2022 will have their first RMD due for 2022. However, the first RMD is permitted to be delayed until April 1 of the following year. Any first-time RMD taker who delays the initial RMD to the following year must take two RMDs in that following year. (IRS, 2021)

As always, I recommend that you work with an experienced financial advisor when dealing with your retirement planning and IRA/retirement plan distribution options. Special thanks to the Ed Slott and Company, LLC CPAs that provided a great deal of this very technical content.

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Massey & Associates, Inc is an independent financial services firm that utilizes a variety of investment and insurance products. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and Massey & Associates, Inc are not affiliated companies. 1122351 – 11/21

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Our firm is not affiliated with the U.S. government or any governmental agency. Ed Slott’s IRA Advisor GroupSM is a paid-membership, educational organization comprised of professionals of varying credentials. Membership in this organization does not imply a set level of skill or training.

Investment advisory products and services made available through AE Wealth Management, LLC (AEWM). Insurance products are offered through the insurance business Massey & Associates, Inc. Massey & Associates, Inc. is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Adviser. AEWM does not offer insurance products. The insurance products offered by Massey And Associates, Inc. are not subject to Investment Advisor requirements.

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Our firm is not affiliated with the U.S. government or any governmental agency. Ed Slott’s IRA Advisor GroupSM is a paid-membership, educational organization comprised of professionals of varying credentials. Membership in this organization does not imply a set level of skill or training. 1582299 – 11/22