Capital Advisory Group - December 2020

Capital Advisory Group - December 2020

THE WEALTH ZONE

DEC 2020

119 Old State Rd., Ellisville, MO 63021

CapitalAdvisoryGrp.com

THE GREATEST GIFT OF ALL: Peace of Mind!

What’s the best gift you’ve ever received? The holiday season is also known as the season of giving. Between Thanksgiving and Christmas, people find themselves in the giving spirit. They give to their favorite charities, to their kids and grandkids, and maybe even a little back to themselves. There’s nothing like giving. It feels great to hand someone a gift and to watch their face light up as they open it. Of course, there’s also nothing like getting a gift, either. You may still remember the presents you unwrapped on Christmas morning when you were a kid. There was always so much anticipation — especially if there was something you really wanted. Was it under the tree? You couldn’t wait to tear into it (and you probably couldn’t bear the thought of being disappointed). Of course, some of us were disappointed. It seemed as though there was that “one” thing in childhood we never got. It’s almost like Ralphie in “A Christmas Story.” We had our version of the Red Ryder carbine action 200-shot Range Model air rifle. But, unlike Ralphie, our parents didn’t surprise us with that “one” last gift. But then again, sometimes we did get that one last gift. And when we did, it was magical. It made our day — sometimes it made our year. These days, things are a little different. The holidays can still be a lot of fun, but when you’re the one paying the bills and getting that bank statement every month,

it does take some of the magic out of it. But there are a few ways you can give back to yourself to bring some of that magic into the fold — and take some of the stress away. You can give yourself the gift of peace of mind! What can you do? This year, a lot of people ended up sidelining their goals. Thanks to the pandemic, they decided some, if not most, of their goals simply weren’t feasible. These goals were everything from taking that special family vacation in the summer, purchasing that new car in fall, switching jobs (or even careers), starting a new business, and so on.

mean something to you, like taking a special vacation or replacing an aging car. Put those goals right back where they belong — in front of you. Another thing you can do is prepare for the upcoming tax season. After a wild year with several different government stimulus programs, the coming years will hold plenty of surprises for people who don’t prepare or didn’t read the fine print that came along with those stimulus programs. Going into the new year, you want to give yourself the biggest advantage you can get. Make sure your financial and tax documents are ready. The more organized you are, the better. If you are uncertain about what you need or you feel overwhelmed, don’t hesitate to reach out to us. When you’re dealing with taxes (or dealing with the IRS, for that matter), you never have to go it alone! This holiday season, take some time to reassess your goals, prepare for the upcoming tax season, and look to the new year with optimism. While we can’t say for certain what’s going to happen in the coming months, the least we can do is be prepared and give ourselves the gift of peace of mind. With that, we hope you have a wonderful holiday season! -John and Jeff Zufall

It can be disheartening and deflating when you are unable to complete the goals you’ve set for yourself, but as we come to the end of the year, now is the time to recalibrate. This isn’t about setting New Year’s resolutions but rather setting those major goals that genuinely

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Decisions,

WINTER ROAD TRIP ESSENTIALS YOU DIDN’T KNOW YOU NEEDED A Driver’s Guide to Safe Holiday Travels On Sept. 24, 2019, more than 2.5 million people passed through TSA checkpoints at airports across America. On the same date this year, those terminals saw just 826,316 travelers — a nearly 70% drop. Since the COVID-19 pandemic hit, Americans have been thinking twice about air travel, and this holiday, millions of would-be flyers will set out on road trips instead. Road tripping is a great way to avoid contact with a lot of people, but it can also be dangerous, especially in winter weather. Fortunately, you can take several steps to keep your family safe. Getting your car checked before you go, for example, can save you a lot of hassle on the road, as can investing in a set of snow tires. It’s also smart to take precautions such as letting a friend or family member know your route, predicted arrival time, and where you plan to stop for gas along the way. Apart from that, one of the best things you can do is pack an emergency kit. AAA sells premade kits through outlets like Amazon, and you can find a basic kit with things like jumper cables, ponchos, rope, batteries, pliers, zip ties, and a first-aid kit at pretty much any Walmart or sporting goods store. You could even save a life by adding a few more essentials to your kit, like a blanket, snacks, and an extra cellphone charger. At this point, you’re almost a safety black belt. But to take your kit to the next level for winter driving, there are three more little‑known items you should stash in your trunk: a shovel, a bag of sand or cat litter, and an extra bottle of windshield wiper fluid. If you get stuck in a snowbank, the shovel will help you dig your way out without risking frostbitten fingers. The sand or cat litter will boost your traction if you sprinkle it around your wheels in an icy spot, and the extra wiper fluid will make all the difference if you run out during a snowstorm.

Decisions

TACTICS FOR MAKING THE BEST BUSINESS CHOICES

As a business leader, you’re likely well- versed in making decisions, but in the midst of a global health crisis, a political minefield, and environmental disasters, planning for the upcoming year is different territory for even the most seasoned business professionals. So, how do you make the right decisions for your 2021 plans? Start with these three steps. No. 1: Look at the >Page 1 Page 2 Page 3 Page 4

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