Sample ClientLine E-Newsletter

Anthony Penree

President

LTM Marketing Solutions, LLC

1060 Broadway #1161

Albany, NY 12204

Phone: 800-243-5334

Fax: 800-720-0780

Email: apenree@ltmclientmarketing.com

Website: www.ltmclientmarketing.com

October 2026

Fall Into Smart Benefits: Enrollment Tips

As summer ends and fall begins, employers nationwide are preparing to offer their annual open enrollment for employee benefits. Whether you're new to selecting benefits or a seasoned pro, it's essential to research thoroughly before making your choices.

Ace Enrollment as an Employer

As open enrollment approaches, clear communication helps employees make informed decisions and increases engagement with your benefits package.

Tax-Loss Harvesting

If investments you sold in 2026 lost money, you may find some solace in the IRS tax code. You can deduct certain losses from your taxable income — a practice known as tax-loss harvesting — if you understand the rules. Here are the basics:

October 2026 Client Profile

Shawn's business is touristdependent and earns most of its revenue in the warmer months. He has always filed his tax return on a calendar-year basis but would like to switch to a fiscal year ending in October. What does he need to do?

Understanding Long-Term Capital Gains Rates

In 2026, a married couple filing jointly has $80,000 in taxable ordinary income (after deductions) and $30,000 in qualified dividends and long-term capital gains, for a total of $110,000.

Life Insurance as a Gift

During this season of giving, you may want to donate more to your favorite charity but lack the funds to do so. Life insurance offers an affordable way to boost your charitable giving.

October 2026 Q and A

Let's talk about the state and local taxes (SALT) deduction.

Key Deadlines to Consider

Below are some key dates to consider as we approach the end of the year. By doing a little year-end planning now, you can optimize your unique financial situation.

Higher SALT Cap May Change Your Filing Strategy

New limits for 2026 could open the door to bigger tax savings.

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