Throughout the year we send letters to our clients about recent market events or timely planning ideas. Below you can find some of our recent client letters. These letters are not designed to provide specific advice, but to provide information about the financial markets in general. Please contact us if you have any questions about the material in any of theses client letters or if you simply would like to discuss how the information outlined in a given letter may affect your specific financial situation. Please feel free to forward this commentary to family, friends, or colleagues.