INCOME

TAXGuide2013

INSIDE:Changing Family Dynamics & Taxes

PAGE 6

Deductions and Credits ExtendedPAGE 2

Special Military Tax ProvisionsPAGE 5

Self Employed Estimated TaxesPAGE 8

Bond Investors: Heed WarningsPAGE 9

Seven Retirement Planning Myths PAGE 3

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President Barack Obama (right) and Vice President Joe Biden make a statement on Jan. 13 regarding the passage of the "fiscal cliff"

bill. The payroll tax holiday has ended for all workers, and higher-income people will bear a heavier tax burden.

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Helping generationsachieve their dreams.Since Ameriprise Financial was founded back in 1894, we have been committed to putting clients first. Helping generations through tough times and good times. Never taking a bailout.

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AP Photo

Cesar Ramirez, a subcontractor for DirecTV, gets ready to install a satellite dish in Los Angeles recently. Contract workers, consultants, freelancers or the self-employed face additional challenges at tax-filing time.

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This year, evaluate whether you can benefit from:

1. Tax-advantaged investments. If appropriate, consider tax-free municipal bonds to provide federally tax-free income.*

2. Tax-advantaged retirement accounts. Consider contributing to a traditional Individual Retirement Account (IRA) or 401(k) to help lower your taxable income.

3. Tax-advantaged college savings accounts. Contribute or gift to a college savings plan for your children or grandchildren.

*May be subject to state and local taxes and the alternative minimum tax (AMT).

Edward Jones, its employees and financial advisors are not estate planners and cannot provide tax or legal advice. You should consult with a qualified tax specialist or legal advisor for professional advice on your situation.

Feeling like you paid too much in taxes this year?

Call or visit today to learn more about these investing strategies.

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H&R Block tax preparer Tracey Wales (right) works with cus-tomer Muneer Sheikh on preparing his taxes at an H&R Block office in downtown Washington.

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