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Harbour Trust Newsletter - Dec. 2019

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Qualified Charitable Distributions: Using Your IRA to Give from the Heart
QCDs satisfy all or part of any RMDs that you would otherwise have to take from your IRA. Better yet, QCDs are excluded from your income.

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Take This Quiz: The Social Security Retirement Earnings Test
Can you work and receive Social Security retirement benefits at the same time? Yes, but the Social Security Administration (SSA) will apply an earnings test.

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For College Savings, 529 Plans Are Hard to Beat
529 plans are a unique college savings vehicle, so it's no surprise why total assets in 529 plans have grown steadily since their creation over 20 years ago. Here is what makes these plans so unique.

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Protecting Yourself Against Identity Theft
There are steps you can take to protect yourself against identity theft.

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What can I do with old or unwanted gift cards?
Find out how you can make use of old or unwanted gift cards.

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