GUIDE2015

AP Photo

In this Jan. 8 photo, tax preparer Richard Sowell works with Courtney Mayhew at H&R Block offices in Atlas District in Washington. The Internal Revenue Service said it would begin accepting electronic returns and processing paper ones as scheduled beginning Jan. 20.

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Malhoit & AssociatesA !nancial advisory practice of Ameriprise Financial Services, Inc.

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AP Photo

This photo shows health care tax forms 8962, 1095-A and 8965, in Washington. Being uninsured in America will cost you more in 2015. This year, all taxpayers

have to report to the Internal Revenue Service for the first time whether or not they had health insurance the previous year.

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AP Photo

In this Jan. 9 photo, Jackie Perlman, principal tax research analyst of the Tax Institue at H&R Block, poses for a photograph at H&R Block offices in Kansas City, Mo. There is a small tax credit for low-income seniors, which Perlman said is not widely used. "It might be helpful for someone who neither contributed to the Social Security system nor ever married.

Jackie PerlmanH&R Block analyst

14 Years of Experience PreparingIncome Tax Returns

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In this Jan. 9 photo, national taxpayer advocate Nina Olson poses with tax code books at the Internal Revenue Service in Washington. Olson calls iden-tity theft "an invasive crime that can

have a traumatic emotional impact." She has called on the IRS to designate a single point of contact who can pro-vide "sensitive, holistic assistance" to an identity theft victim.

AP Photo

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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Our professionals have an average of over 20

years experience in preparing individual,

small business and farm income tax returns.

We provide tax, accounting, payroll and advisory services that

help you achieve your goals.

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200 PERRY STREET, DEFIANCE

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If people want to improve their financial fitness in 2015, they should adopt some better financial habits.

317 Jefferson Ave.Defiance, Ohio 43512

419-782-7166

E-mail: info@ludermankonstcpas.comwww.ludermankonstcpas.com

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105 E. High St.Hicksville, Ohio 43526

419-542-8740

321 E. Main St.Ottawa, Ohio 45875

419-523-5393

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