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From: "Scott Durrett" <scott.durrett@afs.ameriprise.com>
To: <danny@sterlingcal.com>
Subject: Prepare for open enrollment: 7 considerations
Date: Tue, 05 Nov 2024 06:43:29 -0600
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Ameriprise
 


 
 

 

  
 


  
 
  
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 Dalton and Associates
 
 November 2024From My Practice
 (R)
  
 
 Prepared for: Danny Groina
 

  
 

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 7 things to consider during open enrollment

 
 It is open enrollment season for most U.S. workers. Re-examine your health care coverage and see open enrollment considerations before you enroll for 2025.

 
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CONSIDER YOUR OPTIONS 
 
 

 

 
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 Help minimize the net investment income tax 

 A growing number of Americans are subject to the net investment income tax (NIIT). Learn more about this tax and strategies to help minimize it.

 
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 Getting started on estate planning: 9 considerations 

 
 Use this checklist to create an estate plan that can provide more comfort for yourself and your loved ones.

 
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GET THE CHECKLIST 
 
 
 
 




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 How do U.S. elections impact the economy? 
 
 Explore how the markets and economy have historically performed under past presidents and political environments, as well as the unique market rhythms during election years.
  
 Get the election guide 
 






 
 

 
Connect with me
 

  
 
 Scott Durrett 
  Financial Advisor 
  Associate Vice President 
  Dalton and Associates 
  A private wealth advisory practice of Ameriprise Financial Services, LLC 
  
 
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mailto:scott.durrett@ampf.com 

  
 
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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

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 The views expressed by Ameriprise affiliates are as of the date given, may change as market or other conditions change, and may differ from views expressed by other Ameriprise Financial associates or affiliates. Newsletter information and opinions from third-party sources are believed to be reliable, but accuracy and completeness cannot be guaranteed. This is not a solicitation to buy or sell the securities mentioned. Do not use this information as the sole basis for investment decisions; it is not intended as advice designed to meet the particular needs of an individual investor.
 


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        .desktopPaddingTop40px { padding-top: 40px!important; }
        .desktopPaddingTop35px { padding-top: 35px!important; }
        .desktopPaddingTop30px { padding-top: 30px!important; }
        .desktopPaddingLeft40px { padding-left: 40px!important; }
        .desktopPaddingRight40px { padding-right: 40px!important; }
        .desktopPaddingRight30px { padding-right: 30px!important; }
        .desktopPaddingRight20px { padding-right: 20px!important; }
        }
  
@media only screen and (max-width: 588px) {
  *[width="620"]{ width:320px !important; }
  *[width="600"]{ width:300px !important; }
  .mobileHide { display: none !important; }
  .mobilePadding { width:12px !important; }
  .mobileLeft { float:left !important; }
  .width100 { width:100% !important; float:left !important; }
  .heroScale { width:100% !important; height:auto !important; }
  .mobileFullWidth { width:276px !important; float:left !important; }
  .mobileStack { width:276px !important; float:left !important; display: block !important; }
  .mobile300px { width:300px !important; }
  .mobile236px { width:236px !important; }
  .mobile274px { width:274px !important; }
  .mobile76px { width:76px !important; }
  .mobileHeight20px { height:20px !important; font-size:20px !important; line-height:20px !important; }
  }


@media only screen and (min-width: 480px) {
        .desktopShowInline { display: inline!important; /*no space before !important because of Yahoo bug*/ }
        }
  
@media only screen and (max-width: 619px) {
            /* force Gmail iOS email body to full-width */
            .body { min-width: 100vw; }
            /* force link styling on addresses, etc. in the Gmail App */
            #body a,
            #body a:hover,
            #body a:visited{ color:inherit; font:inherit; text-decoration:none; }
        }
  
body { margin: 0 auto!important; padding: 0; background-color: #ffffff; -webkit-text-size-adjust: none; }
table { border-spacing: 0; font-family: sans-serif; color: #4d4e53; }
td { padding: 0; }
img { border: 0; }
/* outlook visited link state */
span.MsoHyperlink { mso-style-priority:99; color:inherit; text-decoration: inherit; }
span.MsoHyperlinkFollowed { mso-style-priority:99; color:inherit; text-decoration: inherit; }
/* end outlook visited link state */
.wrapper { width: 100%; table-layout: fixed; -webkit-text-size-adjust: 100%; -ms-text-size-adjust: 100%; }
.webkit { max-width: 620px; /* set to max-width of full email */ 
   margin: 0 auto; }
.full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto; }
.multi-column-align-top .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: top; /* this will align the column just as if it's a table cell */ }
.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 */ }
.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 */ }
</style>
      <!--[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]-->
      <!--[if mso]>       <style>          td{          font-family: Arial, Helvetica, sans-serif !important;          }            </style>       <![endif]-->
      <!--[if gte mso 9]>       <xml>          <o:OfficeDocumentSettings>             <o:AllowPNG/>             <o:PixelsPerInch>96</o:PixelsPerInch>          </o:OfficeDocumentSettings>       </xml>       <![endif]-->
      <!--[if gte mso 9]>       <style>          .outlookfix{font-size:0%; line-height:0;}  </style> <![endif]-->
 
<style type="text/css">
 body { margin:0; padding:0; width:100% !important; overflow-y:scroll; -ms-text-size-adjust:100%; -webkit-text-size-adjust: 100%; font-family:Helvetica, Arial, sans-serif; }
 table { mso-table-lspace:0pt; mso-table-rspace:0pt; border-collapse: collapse; }
 a[href^=tel]{ color:inherit; text-decoration:none; }
 a { color:inherit; text-decoration:none; }
 .ExternalClass * { line-height: 100%; } 
</style>

<style>
        /*Outlook.com does not support media queries. Target Outlook.com using this format.*/
        /*Force Outlook 365 to full width so it doesn't look broken when browser window is smaller than max width.*/
        [owa] .webkit{
            width:620px!important;
        }
        [owa] .desktopShow{
            display:block!important;
        }
        [owa] .desktopHide {
            display:none!important;
        }
        [owa] .desktopDisplayInline {
            display: inline!important;
        }
        [owa] .desktopWidth360px {
            max-width: 360px!important;
        }
        [owa] .desktopWidth300px {
            max-width: 300px!important;
        }
        [owa] .desktopWidth290px {
            max-width: 290px!important;
        }
        [owa] .desktopWidth280px {
            max-width: 280px!important;
        }
        [owa] .desktopWidth240px {
            max-width: 240px!important;
        }
        [owa] .desktopWidth220px {
            max-width: 220px!important;
        }
        [owa] .desktopWidth206px {
            max-width: 206px!important;
        }
        [owa] .desktopWidth186px {
            max-width: 186px!important;
        }
        [owa] .desktopWidth180px {
            max-width: 180px!important;
        }
        [owa] .desktopWidth160px {
            max-width: 160px!important;
        }
        [owa] .desktopWidth154px {
            max-width: 154px!important;
        }
        [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;
        }
        [owa] .desktopPaddingBottom35px {
            padding-bottom: 35px!important;
        }
        [owa] .desktopPaddingBottom0px {
            padding-bottom: 0px!important;
        }
        [owa] .desktopPaddingTop40px {
            padding-top: 40px!important;
        }
        [owa] .desktopPaddingTop35px {
            padding-top: 35px!important;
        }
        [owa] .desktopPaddingTop30px {
            padding-top: 30px!important;
        }
        [owa] .desktopPaddingLeft40px {
            padding-left: 40px!important;
        }
        [owa] .desktopPaddingRight40px {
            padding-right: 40px!important;
        }
        [owa] .desktopPaddingRight30px {
            padding-right: 30px!important;
        }
        [owa] .desktopPaddingRight20px {
            padding-right: 20px!important;
        }
</style>

<style>
        /*Modules*/
        h2 {
            font-family: Arial, Helvetica, sans-serif; 
            color: #4d4e53;
            font-size: 18px;
            margin: 0 0 0 20px;
            padding: 20px;
            border: solid 1px #4d4e53;
            background-color: #fad7b1;
            text-transform: uppercase;
        }
        
        /* Basics */
        body {
            margin: 0 auto!important;
            padding: 0;
            background-color: #ffffff;
            -webkit-text-size-adjust: none; 
        }
        table {
            border-spacing: 0;
            font-family: sans-serif;
            color: #4d4e53;
        }
        td {
            padding: 0;
        }
        img {
            border: 0;
        }
        /* outlook visited link state */
        span.MsoHyperlink {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        span.MsoHyperlinkFollowed {
            mso-style-priority:99;
            color:inherit;
            text-decoration: inherit;
        }
        /* end outlook visited link state */
        .wrapper {
            width: 100%;
            table-layout: fixed;
            -webkit-text-size-adjust: 100%;
            -ms-text-size-adjust: 100%;
        }
        .webkit {
            max-width: 620px; /* set to max-width of full email */
            margin: 0 auto;
        }
        .full-width-image img {
            width: 100%;
            max-width: 620px; /* set to max-width of full email */
            height: auto;
        }
        .multi-column-align-top .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: top; /* this will align the column just as if it's a table cell */
        }
        .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 */
        }
        .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 */
        }   
 </style><style type="text/css">
.ExternalClass * { line-height: 112%; }
.ExternalClass p, .ExternalClass span, .ExternalClass font, .ExternalClass td { line-height: 112%; }
a[href^=tel], .nolinkcolor > a { /* this is the iOS and Outlook.com styling override */
 color: inherit;
 text-decoration: none;
}
.sup, td { -webkit-text-size-adjust: none; }
table, td {
 border-collapse: collapse;
 padding: 0px;
 margin: 0px;
 mso-table-lspace: 0pt;
 mso-table-rspace: 0pt;
}
em { font-style: italic; }
strong { font-weight: bold; }
.link { /* use this span insde the link tag to fix links for Outlook 2013/16 */
 color: inherit;
 text-decoration: inherit;
}
.appleLinks a {
 color: inherit !important;
 text-decoration: none !important;
}
.appleLinks2 a { color: inherit !important; }
a[x-apple-data-detectors] {
 color: inherit !important;
 text-decoration: none !important;
 font-size: inherit !important;
 font-family: inherit !important;
 font-weight: inherit !important;
 line-height: inherit !important;
}
th { font-weight: normal; }

@media screen and (max-width: 550px) {
/***** Global Styles *****/
*[class].full, .full { width: 100% !important; }
*[class].table-main, .table-main { width: 100% !important }
*[class].table90, .table90 { width: 70% !important }
*[class].fullgmail, .fullgmail {width: 100% !important; min-width: 320px !important;}
*[class].hide, .hide { display: none !important; }
*[class].mobileshow, .mobileshow {
 display: block !important;
 width: auto !important;
 overflow: visible !important;
 float: none !important;
 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 {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 0 !important
}
*[class].padmain2, .padmain2 {
 padding-top: 15px !important;
 padding-bottom: 10px !important;
 padding-left: 20px !important
}
*[class].displayBlock, .displayBlock {
 width: 100% !important;
 display: block !important;
}
*[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}
*[class].padT10, .padT10 {
 padding-top: 15px !important;
 padding-bottom: 15px !important;
 padding-left: 0 !important;
}
*[class].padbot2, .padbot2 { padding: 42px 0px 21px 0px !important; }
*[class].padbtm, .padbtm { padding-bottom: 20px !important; }
*[class].padbtm10, .padbtm10 { padding-bottom: 10px !important; }
*[class].padBTM, .padBTM { padding-bottom: 20px !important }
*[class].alignleft, .alignleft {
 text-align: left !important;
 padding-bottom: 5px !important;
 padding-left: 20px !important
}
*[class].alignleft2, .alignleft2 {
 text-align: left !important;
 padding-bottom: 22px !important;
 padding-left: 20px !important
}
*[class].nopad, .nopad { padding: 0px 0px 0px 0px !important; }
*[class].padR20, .padR20 { padding-right: 50px !important; }
*[class].padterms20, .padterms20 { padding-right: 20px !important }
*[class].imgwdth90, .imgwdth90 { width: 90% !important }
*[class].heroheading, .heroheading { padding-top: 38px !important; }
*[class].heroheadPadBtm, .heroheadPadBtm { padding-bottom: 38px !important; }
*[class].brkblk, .brkblk {
 display: block !important;
 margin-bottom: 15px;
}
*[class].aligncenter, .aligncenter {
 text-align: center !important;
 padding: 0 30px 12px 30px !important
}
*[class].heightinher, .heightinher { height: inherit !important }
*[class].padleft20, .padleft20 { padding-left: 20px !important;padding-right: 20px !important; }

*[class].pad11, .pad11 { padding-left: 20px !important;padding-right: 20px !important; }
*[class].txtalign, .txtalign { padding: 0px 0px 18px 15px !important; }
*[class].txtalign2, .txtalign2 {
 text-align: right !important;
 padding: 8px 4px 12px 15px !important;
}
 *[class].Acenter, .Acenter{text-align:center !important;}
 *[class].pdl30, .pdl30{padding-left: 30px !important;}
  *[class].setblock, .setblock{display: block !important;}
 *[class].Mtext, .Mtext{font-size: 14px !important; line-height: 16px !important; color: #000000 !important; letter-spacing: 0px !important; padding-top: 5px !important; }
 *[class].Lpad, .Lpad{ padding-left:10px !important;}
 *[class].set90P, .set90P{width:88px !important; height: auto !important;}
 *[class].set40P, .set40P{width:45px !important; height: auto !important;}
 *[class].set200P, .set200P{width:201px !important; height: auto !important;}
 *[class].padleft37, .padleft37 { padding-left: 40px !important;padding-right: 39px !important; width: auto !important; }
 *[class].paddr5P, .paddr5P{padding-right:5px;}
}
</style>
   </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;">Plus, are you impacted by the net investment income tax?</div>
      <img src="https://click.afs.ameriprise.com/open.aspx?ffcb10-feca1c7176610479-fe581777736403747214-fe31117171640478711374-ff921c75-fe5b15777c66007f7113-ff2b11717c61&d=110043&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"></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">
<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>
                <!--Start Practice Branding-->
                <th align="right" class="mobileStack mobilePadBot20px" dir="ltr" style="width: 200px; text-align: right; font-weight: normal; vertical-align: middle;" valign="middle" width="200">                  
                  <!--PWA Team Logo--> <div style="width: 200px; text-align: center;">
                  <a  href="https://click.afs.ameriprise.com/?qs=bfc94646ea867996b4c64b08bf94a4a61de2d36c1ed7ac42bd908fffbc8a64e6adc85ddbc322975cd0b3c5121cab7f079913124b0aa271be912650fabf0b41ab" target="_blank"><img alt="PWA Team Logo" border="0" height="43" src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/d8f88d3a-66ca-479a-9629-21537266f7b2.png" style="display: block;" width="200"> </a>
                  <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 Logo End--> 
                  <!--Practice Logo-->
                </th>
                <!--End Practice Branding-->
                <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;">
                    November 2024</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><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 prospect-->
            <!--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">
                    <a href="https://click.afs.ameriprise.com/?qs=bfc94646ea867996446e77d9c9e33d3b25df7be76298cbbc913c53e40a469c27615d0e6e07755ea80ee4edeafa22f0e42c675c7955243cd90dc06b6bfb882a0a"  target="_blank">
                      <img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/fe384fc7-de08-4c0c-b6f9-eb51068a1a11.png" alt="Article Image" width="0" height="0" border="0" style="display: block;" class="mobileHero">
                    </a>
                  </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;">
                        <a href="https://click.afs.ameriprise.com/?qs=bfc94646ea867996446e77d9c9e33d3b25df7be76298cbbc913c53e40a469c27615d0e6e07755ea80ee4edeafa22f0e42c675c7955243cd90dc06b6bfb882a0a"  target="_blank">
                          <img src="https://image.afs.ameriprise.com/lib/fe31117171640478711374/m/1/a0ceb484-30a0-4610-a9d2-b6ab9a5be5a1.png" alt="Article Image" width="572" height="235" border="0" style="display: block;">
                        </a>
                      </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;">
                    7 things to consider during open enrollment
                  </div>
                  <div style="height: 8px; font-size: 8px; mso-line-height-rule: exactly; line-height: 8px;">&nbsp;
                  </div>
                  It is open enrollment season for most U.S. workers. Re-examine your health care coverage and see open enrollment considerations before you enroll for 2025.
                  <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;">
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                    Help minimize the net investment income tax 
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                    Getting started on estate planning: 9 considerations 
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                    Scott Durrett </div>
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            Scott Durrett 
            Financial Advisor<br>
             Associate Vice President<br>  
             Dalton and Associates<br> 
             A private wealth advisory practice of Ameriprise Financial Services, LLC<br><br> 
            
            
            
            2029 Century Park E Ste 2550<br> 
            Los Angeles, California 90067-2936<br> 
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             Office Phone: 562.308.4526<br>
              Email: scott.durrett@ampf.com<br>
              Website: https://www.ameripriseadvisors.com/scott.durrett 
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