Selected Newsletter Articles Just For You We feel that an informed client is our best customer. We know there is a lot of information on the Internet and it can be tough to determine what is valuable. That is why we have selected the following articles for you to view.   Affordable Care Act  Read the provisions of the Affordable Care Act, effective August 27, 2010, dealing with pre-existing condition exclusions, lifetime and annual dollar limits on benefits, rescissions, and patient protections as posted in this U.S. Department of Health and Human Services Fact Sheet.  Click this link: www.healthreform.gov/newsroom/new_patient_bill_of_rights.html

American Opportunity Credit For tax years beginning in 2009 and 2010, the Stimulus Act includes taxpayer-friendly modifications to the Hope Scholarship higher education tax credit (Hope Credit).   Substantiating Charitable Contributions As we approach year-end, many of us may need to catch up on our charitable contributions for a number of reasons in addition to a tax break. So, let's briefly review the IRS rules on deducting charitable contributions.   Traditional to Roth IRA Conversions Four years ago, the Tax Increase Prevention and Reconciliation Act of 2005 (TIPRA) relaxed some restrictive rules preventing many taxpayers from converting a traditional IRA to a Roth IRA, but this favorable change was not effective until 2010.