Dear Clients,   As 2008 draws to a close, there is still time to reduce your 2008 tax bill and plan ahead for 2009. Below is a 2008 Tax Planning Memorandum that highlights several potential tax-saving opportunities for you to consider. We would be happy to meet with you to discuss the strategies outlined in the attached memorandum. There is still time to implement strategies to minimize your 2008 tax liability.   This year offers a special opportunity to eliminate all capital gains for years to come. Please be sure to bring in your brokerage accounts to review for tax loss harvesting opportunities. Please see the 2008 Investment Advisor Letter below from our colleague Robert Horowitz, CFA.   If you are interested in having us prepare a year-end planning analysis, you will need to contact us as soon as possible. We will need to receive your year-end planning information before December 8, 2008.   Please note that our office will be closed for the Christmas and New Year’s holiday period from December 17, 2008 through January 2, 2009. 2008_Tax_Planning_Memorandum.pdf 2008_Investment_Advisor_letter.pdf