In this issue: GBQ Welcomes Jeff Harden; Year-End Tax Legislation with Surprising Permanent Implications; IRS Effort to Prevent Identity Theft; Tis the Season for Year-End Gifting and Giving; Avoid a 50% Penalty: Take Retirement Plan RMDs by December 31; 7 Last-Minute Tax-Saving Tips; Second-To-Die Life Insurance is a Vehicle to Pay Estate Taxes; Be Wary When Considering a Prepaid Funeral Plan; Are You Overwhelmed by the Concept of Risk Management?; You Still Have Time to Set Up Your 2015 Retirement Plan

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