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Better than ever with new ways to evaluate your accounts. Individual manager performance over multiple time periods. Quarterly commentary. Printed in color.

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Client Bulletin
January 24, 2011	Calculating Your Required Minimum Distributions If you are still working as an employee at age 70½, you don’t have to take RMDs from a profit-sharing plan, a pension plan, or a 401(k), 403(b) or 457 plan. Your initial RMDs from these accounts will only be required after you retire. However, you must take RMDs from these types of accounts if you own 5% or more of a business sponsoring such a retirement plan. You must take RMDs from IRAs after you turn 70½ regardless of whether you are still working or not. Multiple IRAs. Should you have more than one traditional, SEP or SIMPLE IRA, the annual RMDs for these accounts must be calculated separately. However, the IRS gives you some leeway about how to withdraw the money. You can withdraw 100% of your total yearly RMD amounts from just one IRA, or you can withdraw equal or unequal portions from each of the IRAs you own. 401(k)s and other qualified retirement plans. A separate RMD must be calculated for each qualified retirement plan to which you have contributed. These RMD amounts must be paid out separately from the RMD(s) for your IRA(s). Inherited IRAs. The same applies; a separate RMD must be calculated for each inherited IRA you have, and these RMD amounts must be paid out separately from RMD(s) for your other IRA(s). If you skip an RMD or withdraw less than what you should have, the IRS will find out and hit you with a stiff penalty: you will have to pay 50% of the amount not withdrawn. If you have any questions, feel free to contact your Wealth Strategist at (800) 541-7774 or
January 17, 2012	2011 Tax Form Mailing Schedule WrapManager clients can expect to begin receiving their 1099 tax documents starting in late January. Many of these will also be available electronically. Tax documents will be available for download into TurboTax beginning February 14th. Simple 1099s (without mutual funds, RICs, REITs, UITs): Will be mailed and available in your online access shortly after January 23rd. Complex 1099s (with mutual funds, RICs, REITs, UITs): Will be mailed and available in your online access shortly after February 6th. Form 1099R will be mailed shortly after January 16th. Amended tax forms may be sent throughout the year as revised information is received. "This Is Not Final Tax Information" will be displayed on the front of your tax statement package if you will be receiving additional tax documents. Please note that you may still receive amended forms even if the this message is not on your statement package. If you have any questions, feel free to contact your Wealth Strategist at (800) 541-7774 or email
January 11, 2012	Office Closed in Observance of Martin Luther King, Jr. Day WrapManager's office and the stock market will be closed on Monday, January 16th, 2012 in observance of Martin Luther King, Jr. Day.
December 23, 2011	Turbo Tax Discount for WrapManager Clients WrapManager clients are eligible for a 25 percent savings on TurboTax Online Federal products. Take advantage of this offer by logging into Access Online > Education > TurboTax Downloads. TurboTax downloads of account information through First Clearing will become available on February 14, 2012.
December 20, 2011	Continued Safety of Your Assets The safety of your assets will always be a top priority for us. The SEC requires our custodian First Clearing LLC (an affiliate of Wells Fargo) to be audited each year as part of the ongoing protection of your assets. As such, First Clearing's auditor, KPMG, has sent a letter to a random sample of clients requesting them to accurately confirm certain account balance information as depicted on their September 2011 statement. A copy of the September 2011 statement is included with the letter. Clients are asked to return the completed information via an included pre-addressed envelope by December 22. If you have any questions please contact our office at 800-541-7774.
December 19, 2011	Preparing for Better Days - Wells Fargo's 2012 Outlook Wells Fargo's Investment Strategy Committee is out with their 2012 economic and market outlook. Broken down into four concise and easy to read sections, the Chief Strategists for economic, domestic equity, international equity and fixed income share their thoughts for what to expect in the coming year. The Committee sees a gradual improvement across the US economy and market as part of their 2012 year-end forecast. The S&P 500 and the international index MSCI EAFE rise to 1,325-1,375 and 1,500, respectively. Existing home and total vehicle sales increase, the unemployment rate decreases to 8.0% and the Federal deficit is trimmed from $1.3 trillion to $1.2 trillion. Finally, they expect a 10-year treasury rate of 3.0% and a 30-year treasury rate of 4.0%. Click here to download the full outlook (may take a moment to load).
December 14, 2011	WrapManager Holiday Hours WrapManager's office and the stock market will be closed on Monday, December 26 and on Monday, January 2, 2012 in observance of the Christmas and New Years holiday.
December 1, 2011	IRA Beneficiaries The end of the year is always a good time to revisit your IRA accounts to confirm and/or change the beneficiaries you currently have on file. If you would like help changing and/or confirming who your beneficiaries are, please contact us at 1-800-541-7774 and we would be happy to assist you.
November 16, 2011	Thanksgiving Holiday WrapManager's office will be closing at 1:30PM PT on Wednesday November 23rd and will be closed Thursday, November 24th and Friday, November 25th in observance of the Thanksgiving holiday.
November 14, 2011	IRA Required Minimum Distributions 2011 If you are 70.5 years or older, you must take your Required Minimum Distribution from your IRA before year end, unless you turned 70.5 this year. If that is the case, the deadline for your first Required Minimum Distribution is April 1, 2012. Please contact your Wealth Strategist at (800) 541-7774 so we can assist you and answer any questions you may have.
August 31, 2011	WrapManager Closed on Labor Day WrapManager's office will be closing at 1:15PM PST on Friday September 2nd and will be closed on Monday, September 5th along with the stock market, in observance of Labor Day.
July 26, 2011	Don’t Want to Receive Prospectuses in the Mail? Sign up to receive them electronically instead! The process is simple and takes all of five minutes. Log in to your online access here. From the Account Summary page on the left hand side, select “Delivery Preferences” under “Statements and Documents”. When that page loads, check the “Shareholder Communications” box for all your accounts, or specific ones if you prefer. You’ll be prompted to create a Pin as an added layer of security. Follow the steps until you’re done! If you have any questions, just give us a call at (800) 541-7774. We’re more than happy to walk you through the process and answer any questions you have.
June 13th, 2011	WrapManager Closed in Observance of Independence Day WrapManager's office will be closed Monday July 4th, along with the stock market, in observance Independence Day.
May 17th, 2011	Introducing Your New Performance Reports! The new quarterly performance reports are expected to start with the second quarter of this year. You'll receive the new report for each of your accounts with money managers. These new reports are better than ever and offer new ways to evaluate your accounts. Brief summary of significant market and economic events during the previous quarter Compare the market value of your accounts to your net invested capital since inception View account performance over multiple time periods including quarter, year-to-date, 1, 3, 5, 10 year and since inception. For multiple manager accounts: See how each of the managers have performed separately, not just the entire account Printed in color! If you have any questions about the new reports, please feel free to give your Wealth Strategist a call at (800) 541-7774. We're looking forward to reviewing the accounts with you using these new reports!
May 16th, 2011	WrapManager Closed on Memorial Day WrapManager and the stock market will be closed on Monday, May 30th in observance of Memorial Day.
April 21, 2011	JP Morgan's Guide to the Markets - Encouraging Economic Trends We are happy to present JP Morgan's Second Quarter Update and Outlook "Out of Recession, But Out of Sync", narrated by their Chief Marketing Strategist David Kelly, CFA. This easy 30-minute presentation focuses on the risks and opportunities in the ongoing global recovery. "People need to invest based not on how they feel about the economy, but based on how they think, based on the facts, based on the numbers. And that's really what the Guide to the Markets is dedicated to." - Dr. David Kelly, JP Morgan. Note: JP Morgan will ask for a name, company, and zip code to watch the presentation. Click here to watch the presentation