We look forward to seeing you again this year and hope you will recommend our services to your family, friends, neighbors, co-workers, and partners.

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1 Dear Client: December 2014 Please find enclosed your Year End Client Newsletter. We included some items that require your action as well as helpful tax tips and resources that may benefit you, so please take a few minutes to review them. This coming tax season, we will be offering services from our main office in Lynbrook as well as in Hauppauge, Manhattan and Florham Park, NJ. You may have been pre-scheduled based on last year s appointment; if not, please call us as soon as possible at to ensure an appointment time convenient for you. Business clients may need two appointments to prepare both their business and personal tax returns. Make sure to review the Tax Appointment Checklist and bring all pertinent information with you. For those of you who mail in your return information or drop it off to us, please advise us of any changes in your current address, contact phone numbers, address, marital status, or dependents. We are proud to offer complete computerized accounting, bookkeeping, and consulting services for small businesses. Financial planning services, pension, and IRA accounts can be established, along with a varied line of investment services that can be purchased throughout the year with our Certified Financial Planner. Additionally, we can audit your insurance policies for possible savings and find you many beneficial mortgage and refinancing options. We will be filing all returns electronically. Refunds can be deposited in multiple accounts, but please make sure you bring your checkbook with you in the event that you need to make a payment with your filing. We will send you a password-protected as your secure digital copy of your tax return for your records. Your social security number will be your password. We look forward to seeing you again this year and hope you will recommend our services to your family, friends, neighbors, co-workers, and partners. Wishing you a happy and healthy New Year, Jonathan Wolfsohn & Staff JONATHAN WOLFSOHN CFP REGISTERED REP - CAPITAL INVESTMENT GROUP, INC.

2 Our Services Please sign up for our free bimonthly newsletter and website for tax-related ideas and updates. Are you planning to buy/lease property or incorporate a business? Do you need help with payroll processing, employee/owner benefits, and other financial strategies? How about preparing financial aid forms (FAFSA), STAR applications, domestic W-2s, or 1099s? We can help. We will review personal and business insurance policies and suggest trusts when applicable. To ensure that you are taking advantage of all possible deductions, please consider allowing us to write up/review your bank & credit card statements/quickbooks during the year for a reasonable monthly fee. The IRS is now requiring a copy of your QuickBooks and business records data during an audit.. 12/31/14 Personal Year-End Maneuvers 1. Make charitable donations and get receipts (checks, credit cards, or clothing) 2. Set up self employed pension retirement plans, several options to choose. 3. Sell losing stock and mutual fund positions that net at $3,000 loss or more 4. Pay State/City estimates before 12/31/14, Federal estimates by 1/15/15 5. Prepay a 13 th mortgage payment 6. Push income into next year and also pull itemized deductions into /2 year old minimum IRA distributions RMD should be made by 12/31/14 8. Read our web page and tax tips newsletters for other ideas 9. Organize your 2014 records and make an early tax interview appointment ASAP 2014 Affordable Care Act If you purchased insurance through the Affordable Care Act, you must provide Forms 1095B (Health Coverage) or 1095C (Employer Provided Health Insurance Offer and Coverage) The penalty for noncompliance will be the greater of either a flat dollar amount or a percentage of income: o For 2014, $95 per uninsured adult ($47.50 for a child) or 1 percent of household income over the income tax filing threshold. o For 2015, $325 per uninsured adult ($ for a child) or 2 percent of household income over the income tax filing threshold. o For 2016 and beyond, $695 per uninsured adult ($ for a child) or 2.5 percent of household income over the income tax filing threshold. o The flat dollar amount for a family will be capped at 300% of the adult amount. The child rate will apply to family members under the age of 18.

3 Other Important 2014 Information We will use a fee-per-form method this tax season to standardize our fees. You will receive a complete copy of your return via and your Social Security number will be your password. Additional paper copies of tax returns will be $20.00 per copy. Please don t wait for Partnership or Small Business K-1 s to schedule your appointment. We will input your K-1 afterward; make your appointments early! All returns in NYS are required to be filed and paid electronically. There is a $50 penalty for all paper filed returns, which we will collect from you in advance. Tax return preparation fees must be paid before returns are released or filed. All forms of payment are gladly accepted. The deadline to submit your mail-in information is March 15, Any documentation received after this date will be put on extension. If you need to be put on extension, please notify us immediately. Appointments earlier in tax season are less hectic and help you get your refund earlier. Make yours today! Tax organizers are available upon request by mail or . Phone Appointments for out-of-state clients will be scheduled in the late evening, New York time. Lynbrook -153 Broadway, Lynbrook, NY Manhattan -352 Seventh Avenue, Suite 703, New York, NY 10001, (Between 29 th & 30 th) Hauppauge -Farm Ridge Foods 3124 Expressway Drive South, Islandia, NY New Jersey -Hamilton Park Hotel, 175 Park Avenue, Florham Park, NJ 0793

4 2014 Tax Appointment Checklist Date: Time: FOR APPOINTMENT CALL DON T FORGET TO BRING: List of Questions Income Slips W-2 s, 1099INT (Interest), 1099DIV (Dividends), 1099B (Stock Sales), 1099R, 1099Misc, 1099T (Tuition), 1098E (Student Loan Interest) Lottery, Jury Duty, 1099G & 1099K (New Merchant Services), 1095B or 1095C(New Health Insurance Forms) Buy Slips MATCHING YOUR STOCK SALES REALIZED GAINS & LOSSES YOU CAN DOWNLOAD YOUR BROKERAGE ACCOUNT SALES TO EXCEL (1099B) Dependent and spouse s Social Security Cards Estimates Paid list with check #s and amounts Receipts, checkbook and Credit Card Expenditure Totals (Write up and bring your checkbooks and PLEASE add up your receipts before appointment)credit Card statements and Year End Summaries IRA / Pension / Bank Investment Statements Check Routing Numbers for Direct Deposits Rental House Write-Up (Total all income & expenses by category)(filled out w-9 Forms for all services) Business Write-Up (Total all income & expenses by category) Business Auto Write-Up (Total all expenses by category) Home Mortgage 1098 Interest /Real Estate Taxes checks paid & Year End Statements 529 Plan December 2014 statement Real Estate Closing Papers Payment: Check / Cash / Credit or Debit Card

5 2014 RENTAL INCOME Address 2014 AUTO BUSINESS USE CARD 12/31/14 ODOMETER READING AUTO MAKE/MODEL/YEAR Business % of Property Ownership % of Property 1. Rent Received 2. Rent Received 3. Rent Received Total Rent Received EXPENSES PAID BY OWNER: Mortgage Interest 1 Mortgage Interest 2 Real Estate Tax Insurance Electric Gas/Oil/Propane Other Tenant Repairs Common Repairs Don t Forget to bring Closing Papers if Property was Purchased, Refinanced or Sold this year 1. Business Miles 2. Commuting Miles 3. Personal Miles TOTAL MILES (1+2+3) OWNED Total Cost $ (include tax, delivery & date if purchased this year or attach bill of sale) LEASED Total Payments $ EXPENSES FOR THIS AUTO ONLY Gas Repairs Tires Insurance Wash/Wax AAA Registration Use one card per property. Use one card per car.