Dear Santa (IRS), I feel like you put me on the naughty list every year. When I file my tax return you impose taxes on me that I don’t want to pay. It feels like tons of coal are being unfairly put into my very little stockings. I try to be a good person all year, so I’m not sure why you are singling me out and treating me this way.

Dear Suzie,

You are not on the naughty list. In fact, you’re not on any list at all. You’re not being watched by me or my elves, unless you are doing things you ought not be doing.

Every year I actually provide you with lots of presents, the following just to name a few:

• The lowest tax rates in decades.
• IRA, 401(k), 403(b) and tons of other ways to save on taxes now while building your retirement nest egg.
• Roth IRAs for tax free growth.
• Charitable deductions so you’re rewarded for helping those in need.
• Tax credits for solar, “green” cars and so much more.

Best of all, we gave you The LTC Partnership to help you with your tax planning. You can call them before the end of the year to see if you’ll be very happy when you file your tax return in April.

Thanks for the milk and cookies!