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From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: 5 smart financial actions to take in the new year
Date: Tue, 03 Jan 2023 10:24:43 -0600
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Ameriprise
 

  


  
  Dalton and Associates 
 January 2023
 From My Practice(R)
  
 Prepared for: Danny Groina

  


 
 

 Smart actions to take in the new year
  
 
 Start your year strong with these key financial actions.
  
 
http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa01b2789fd179d02147350c502929747e19ce9fb8035ffb4e43e0eac79f1e5f65723332700fe29a5eebe8ba0416f678a135f8fe7e4dff7abf0 
5 SMART ACTIONS 
 
 

 
  
  
  
 
 Plan for tax bracket and other changes in 2023 
  
 Tax brackets, contribution limits and benefits are just a few of the changes that could affect how you save, spend and invest in 2023.
  
 
http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa078ea21c5bba24aaed3175a7c618cd79ffbaa5b4ad8d622a250cf2c8e9027f7029b0e660d61f5eab844258f04519ee2819858dd0e0bf44fdd 
SEE THE CHANGES 
 
 
 
  
  
 
 2023 market and economic outlook 
  
 
 Our chief market strategist and chief economist provide insights on key narratives and themes to watch for in the year ahead.
  
 
http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa0d3e8321295c5cb8fdd4f301a19e4e4c5fba519a8ecac6643a8fccf6c4bf4b11818882141794c0750f9fd3efeb61a31a23da95cbe1bd890f8 
GET THE OUTLOOK 
 
 
 
 


 What's happening in the markets and economy today? 
 
 Stay informed on the current landscape with expert analysis from the Ameriprise Investment Research Group.
  
 
http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa0efbeeee16adedb8b7a7245b5608fcaa8dbe2b5b80941aa12e9e37715bb7f1e2f3db3a324d5538ea6ae13314245be9c7a8cd5e95ecac54b9b 
Get the latest 
 
 



 
 

 

  
 Connect with me

  
  
 
 Scott Durrett 
  Financial Advisor 
  Associate Vice President 
  Dalton and Associates
  A private wealth advisory practice of Ameriprise Financial Services, LLC 
      
 
  
 562.308.4526562 


  

 
mailto:scott.durrett@ampf.com 

  
mailto:scott.durrett@ampf.com 
Email me  


  

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Visit my site 


  

  
 
  
 
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 Scott Durrett

 Financial Advisor

  Associate Vice President

   Dalton and Associates

  A private wealth advisory practice of Ameriprise Financial Services, LLC 

  

    2029 Century Park E Ste 2550

  Los Angeles, California 90067-2936

 

  

  Office Phone: 562.308.4526562

   Email: scott.durrett@ampf.com

   Website: www.ameripriseadvisors.com/scott.durrett 


  

  

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      <!--[if gt mso 15]>       <style type="text/css" media="all">          /* Outlook 2016 Height Fix */          table, tr, td {border-collapse: collapse;}          tr { font-size:0px; line-height:0px; border-collapse: collapse; }       </style>       <![endif]-->
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<style type="text/css">
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        [owa] .desktopWidth186px {
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        [owa] .desktopWidth180px {
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        [owa] .desktopWidth160px {
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        [owa] .desktopWidth154px {
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        [owa] .desktopWidth142px {
            max-width: 142px!important;
        }
        [owa] .desktopWidth130px {
            max-width: 130px!important;
        }
        [owa] .desktopWidth120px {
            max-width: 120px!important;
        }
        [owa] .desktopWidth64px {
            width: 64px!important;
        }
        [owa] .desktopWidth40px {
            width: 40px!important;
        }
        [owa] .desktopWidth20px {
            width: 20px!important;
        }
        [owa] .desktopFont36px {
            font-size: 36px!important;
            line-height: 40px!important;
        }
        [owa] .desktopPaddingBottom40px {
            padding-bottom: 40px!important;
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        [owa] .desktopPaddingBottom35px {
            padding-bottom: 35px!important;
        }
        [owa] .desktopPaddingBottom0px {
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        [owa] .desktopPaddingTop40px {
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        [owa] .desktopPaddingTop35px {
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        [owa] .desktopPaddingTop30px {
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        [owa] .desktopPaddingLeft40px {
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        [owa] .desktopPaddingRight30px {
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</style>

<style>
        /*Modules*/
        h2 {
            font-family: Arial, Helvetica, sans-serif; 
            color: #4d4e53;
            font-size: 18px;
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            padding: 20px;
            border: solid 1px #4d4e53;
            background-color: #fad7b1;
            text-transform: uppercase;
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        /* Basics */
        body {
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        table {
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        img {
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        /* outlook visited link state */
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        .multi-column-align-middle .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: middle; /* this will align the column just as if it's a table cell */
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        .multi-column-align-bottom .column {
            width: 100%;
            max-width: 620px;  /* set to width at which you'd like the column to scale to 100% */
            display:inline-block;
            vertical-align: bottom; /* this will align the column just as if it's a table cell */
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.ExternalClass * { line-height: 112%; }
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}
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table, td {
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em { font-style: italic; }
strong { font-weight: bold; }
.link { /* use this span insde the link tag to fix links for Outlook 2013/16 */
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.appleLinks a {
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}
.appleLinks2 a { color: inherit !important; }
a[x-apple-data-detectors] {
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 font-size: inherit !important;
 font-family: inherit !important;
 font-weight: inherit !important;
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}
th { font-weight: normal; }

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*[class].fullgmail, .fullgmail {width: 100% !important; min-width: 320px !important;}
*[class].hide, .hide { display: none !important; }
*[class].mobileshow, .mobileshow {
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 max-height: none !important;
 line-height: normal !important;
 visibility:visible !important;
 font-size:inherit !important;
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padmain, .padmain {
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*[class].padmain2, .padmain2 {
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 padding-bottom: 10px !important;
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*[class].displayBlock, .displayBlock {
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*[class].widthauto, .widthauto { width: auto !important }
*[class].borderadius, .borderadius { border-radius:3px !important;-moz-border-radius:3px !important;-webkit-border-radius:3px !important; height:40px !important; width:auto !important}
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   </head>
   <body bgcolor="#ffffff" style="margin: 0px; padding: 0px; -webkit-text-size-adjust:none; -ms-text-size-adjust: none;"><style type="text/css">
div.preheader 
{ display: none !important; } 
</style>
<div class="preheader" style="font-size: 1px; display: none !important;">2023 changes: tax brackets, contribution limits and more.</div>
      <img src="http://click.afs.ameriprise.com/open.aspx?ffcb10-fec31073736c047a-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-fefe1570726001&d=110019&bmt=0" width="1" height="1" alt="">
      <table bgcolor="#ffffff" border="0" cellpadding="0" cellspacing="0" width="100%" style="table-layout:fixed;">
         <tr class="outlookfix">
            <td align="center" valign="top">
               <div align="center">
                  <table width="620" border="0" cellspacing="0" cellpadding="0" align="center" class="container" style="width: 620px;">
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table border="0" cellpadding="0" cellspacing="0" width="100%">
 <!-- START FORCE WIDTH 600px FOR GMAIL/ANDROID -->
  <tr class="mobileHide">
   <td>
    <table align="center" border="0" cellpadding="0" cellspacing="0" width="600">
     
      <tr>
       <td border="0" cellpadding="0" cellspacing="0" height="1" style="height: 1px; line-height: 1px; font-size: 1px; min-width: 600px;">
        &nbsp;</td></tr></table></td></tr><!-- END FORCE WIDTH 600px FOR GMAIL/ANDROID--><tr>
   <td align="center">
    <div style="height: 12px; line-height: 12px; font-size: 12px; mso-line-height-rule: exactly;">
     &nbsp;</div><!--start header--><table border="0" cellpadding="0" cellspacing="0" class="mobileWidth100Percent" style="margin: 0px auto; width: 600px;" width="600">
     
      <tr>
       <td class="mobileWidth22px" style="width: 28px;" width="28">
        &nbsp;</td><td>
        <table border="0" cellpadding="0" cellspacing="0" dir="rtl">
         
          <tr>
           <th align="right" class="mobileStack mobilePadBot20px" dir="ltr" style="width: 200px; text-align: right; font-weight: normal; vertical-align: middle;" valign="middle" width="200">
            <!--AFIG brand--><div style="width: 200px; text-align: center;">
             <img alt="Ameriprise" border="0" height="43" src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" style="display: block;" width="200"><div style="text-align: center; color: rgb(95, 106, 114); line-height: 17px; font-family: &quot;Times New Roman&quot;, Times, serif; font-size: 14px; mso-line-height-rule: exactly;">
              Dalton and Associates</div></div> <!--PWA Team brand end--> <!--PWA advisor brand--> </th><th align="left" class="mobileStack" dir="ltr" style="width: 344px; text-align: left; color: rgb(77, 78, 83); line-height: 30px; font-family: &quot;FranklinGothicBook&quot;, Arial, Helvetica, sans-serif; font-weight: normal; vertical-align: bottom; mso-line-height-rule: exactly;" valign="bottom" width="344">
            <div style="line-height: 18px; font-size: 14px; mso-line-height-rule: exactly;">
             January 2023</div><div style="font-family: &quot;PublicoHeadlineRoman&quot;, &quot;Times New Roman&quot;, Times, serif; font-size: 24px;">
             From My Practice<span style="line-height: 14px; font-size: 10px; vertical-align: 11px; mso-line-height-rule: exactly;">&reg;</span></div><div style="height: 4px; line-height: 4px; font-size: 4px;">
             &nbsp;</div><div style="line-height: 18px; font-size: 14px; mso-line-height-rule: exactly;">
             Prepared for: Danny Groina</div></th></tr></table></td><td class="mobileWidth22px" style="width: 28px;" width="28">
        &nbsp;</td></tr></table><!--end header--></td></tr></table></td></tr></table>
                           
                        </td>
                     </tr>
                     <tr class="outlookfix">
                        <td align="center" valign="top" bgcolor="#ffffff">
                           <table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><!--start prospect body--> 
<div style="height:12px; font-size:12px; mso-line-height-rule: exactly; line-height:12px;">&nbsp;
</div>
<!--start hero-->
<table width="100%" cellpadding="0" cellspacing="0" border="0">
  <tr>
    <td align="center">
      <table class="mobileWidth100Percent" width="600" cellpadding="0" cellspacing="0" border="0" style="width: 600px; margin: 0 auto;">
        <tr>
          <td class="mobileWidth22px" width="28" style="width: 28px;">&nbsp;
          </td>
          <td bgcolor="#003f6b">
            <!--start article 1-->
            <!--start hero image-->
            <table width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#003f6b">
              <tr>
                <td>
                  <div style="display:none; visibility:hidden; width:0; height:0; overflow:hidden; mso-line-height-rule: exactly; line-height:0; font-size:0; margin:0; padding:0; max-height:0;" class="mobileShow">
                    <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/ec3e7aad-fff6-49c1-a0aa-93fff0ed0590.png" alt="" width="0" height="0" border="0" style="display: block;" class="mobileHero">
                  </div>
                  <table width="100%" cellpadding="0" cellspacing="0" border="0" class="mobileHide">
                    <tr>
                      <td valign="top" style="text-align: center; border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;">
                        <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/e935a13d-a79a-43d0-b2aa-a1ca75778f92.png" alt="" width="572" height="235" border="0" style="display: block;">
                      </td>
                    </tr>
                  </table>
                </td>
              </tr>
            </table>
            <!--end hero image-->
            <!--start hero copy-->
            <table width="100%" cellpadding="0" cellspacing="0" border="0" bgcolor="#003f6b">
              <tr>
                <td width="18" class="mobileWidth12px">&nbsp;
                </td>
                <td align="left" style="font-size: 15px; mso-line-height-rule: exactly; line-height: 23px; color: #ffffff; font-family: 'Franklin Gothic Book', Arial, Helvetica, sans-serif;">
                  <div class="mobileHeight12px" style="height: 20px; font-size: 20px; mso-line-height-rule: exactly; line-height: 20px;">&nbsp;
                  </div>
                  <div style="font-size: 25px; mso-line-height-rule: exactly; line-height: 28px; font-family: 'Publico Headline Roman', 'Times New Roman', Times, serif;">
                    Smart actions to take in the new year
                  </div>
                  <div style="height: 8px; font-size: 8px; mso-line-height-rule: exactly; line-height: 8px;">&nbsp;
                  </div>
                  Start your year strong with these key financial actions.
                  <div style="height: 12px; font-size: 12px; mso-line-height-rule: exactly; line-height: 12px;">&nbsp;
                  </div>
                  <table cellpadding="0" cellspacing="0" border="0" style="border-collapse: collapse;">
                    <tr>
                      <td style="border: solid 3px #CBCCCE; mso-padding-alt: 6px 14px;">
                        <a   data-linkto="other" href="http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa06ef91819b96cb5f6fcb53468daff0520742c71e10ee6c2b923caa860228215878425cfb96f1055c050328de1909163e6ea9d1e795136e45c" target="_blank" style="padding: 6px 14px; text-transform: uppercase; color: #ffffff; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; text-decoration: none; display: block; font-family: 'Franklin Gothic Medium', Arial, Helvetica, sans-serif;">5 SMART ACTIONS</a>
                      </td>
                    </tr>
                  </table>
                  <div style="height: 18px; font-size: 18px; mso-line-height-rule: exactly; line-height: 18px;">&nbsp;
                  </div>
                </td>
                <td valign="bottom" class="mobileWidth13Percent" width="40" style="vertical-align: bottom;">
                  <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/e9bf1acd-d53b-4de7-aa79-85a288fa4bb8.gif" alt="" width="40" height="40" class="mobileWidth100Percent" border="0" style="display: block;">
                </td>
              </tr>
            </table>
            <!--end hero copy-->
            <!--end article 1-->
          </td>
        </tr>
      </table>
    </td>
  </tr>
</table>
<!--end hero-->
<!--start body articles-->
<table width="100%" cellpadding="0" cellspacing="0" border="0">
  <tr>
    <td align="center">
      <table class="mobileWidth100Percent" width="600" cellpadding="0" cellspacing="0" border="0" style="width: 600px; margin: 0 auto;">
        <tr>
          <td class="mobileWidth34px" width="28" style="width: 28px;">&nbsp;
          </td>
          <td>
            <!--start article 2-->
            <table width="100%" cellpadding="0" cellspacing="0" border="0">
              <tr>
                <th class="mobileStack" valign="top" style="font-weight: normal; text-align: left; vertical-align: top;">
                  <div style="height: 28px; font-size: 28px; mso-line-height-rule: exactly; line-height: 28px;">&nbsp;
                  </div>
                  <img src="https://image.s11.sfmc-content.com/lib/fe31117171640478711374/m/1/9b6011ec-696d-43b9-91ab-d02949edd414.jpg" class="mobileWidth100Percent" width="260" height="158" border="0" alt="" style="display: block;">         
                </th>
                <th class="mobileHide" width="24" style="font-weight: normal; text-align: left;">&nbsp;
                </th>
                <th class="mobileStack" valign="top" style="font-weight: normal; text-align: left; font-size: 15px; mso-line-height-rule: exactly; line-height: 22px; color: #4d4e53; font-family: 'Franklin Gothic Book', Arial, Helvetica, sans-serif; vertical-align: top;">
                  <div class="mobileHeight18px" style="height: 25px; font-size: 25px; mso-line-height-rule: exactly; line-height: 25px;">&nbsp;
                  </div>
                  <div style="font-size: 22px; mso-line-height-rule: exactly; line-height: 24px; mso-line-height-alt: 25px; font-family: 'Publico Headline Roman', 'Times New Roman', Times, serif;">
                    Plan for tax bracket and other changes in 2023 
                  </div>
                  <div style="height: 6px; mso-default-height: 2px; font-size: 6px; mso-line-height-rule: exactly; line-height: 6px; mso-line-height-alt: 2px;">&nbsp;
                  </div>Tax brackets, contribution limits and benefits are just a few of the changes that could affect how you save, spend and invest in 2023.
                  <div style="height: 6px; font-size: 6px; mso-line-height-rule: exactly; line-height: 6px;">&nbsp;
                  </div>
                  <table cellpadding="0" cellspacing="0" border="0">
                    <tr>
                      <td style="border: solid 3px #003f6b; mso-padding-alt: 6px 14px;">
                        <a  href="http://click.afs.ameriprise.com/?qs=4be3adadeaa18fa0cf5fd409026ca10a35ffcad90a8db8bf8993b868b5dfd9870cf8285b071fd4819bec5ae3ea31d9a17dbb2b870e766a1803cde6d5deadf682" target="_blank" style="padding: 6px 14px; text-transform: uppercase; color: #4d4e53; font-size: 14px; mso-line-height-rule: exactly; line-height: 17px; text-decoration: none; display: block; font-family: 'Franklin Gothic Medium', Arial, Helvetica, sans-serif;">SEE THE CHANGES</a>
                      </td>
                    </tr>
                  </table>
                  <div style="height: 4px; font-size: 4px; mso-line-height-rule: exactly; line-height: 4px;">&nbsp;
                  </div>
                </th>
              </tr>
            </table>
            <!--end article 2-->
            <!--start article 3-->
            <table width="100%" cellpadding="0" cellspacing="0" border="0">
              <tr>
                <th class="mobileStack" valign="top" style="font-weight: normal; text-align: left; vertical-align: top;">
                  <div style="height: 28px; font-size: 28px; mso-line-height-rule: exactly; line-height: 28px;">&nbsp;
                  </div>
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            <strong>Investment products are not insured by the FDIC, NCUA or any federal agency, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.</strong>
            <br>
            <br>
            Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
            <br>
            <br>
            Ameriprise Financial Services, LLC. Member FINRA and SIPC.
            <br>
            <br>
            &copy; 2023 Ameriprise Financial, Inc. All rights reserved. 
            <span style="white-space: nowrap;"> 27839_707-<span id="RecipVer"><!---->P<!----> (01/23)</span></span>
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