Live music in and around The Woodlands LIVE MUSIC CALENDAR DOSEYDOE BIGBARN 25911 I-45 N., THEWOODLANDS 281-367-3774 www.doseydoe.com December 11 Nobody’s Girl, 8 p.m. 13 The Gatlin Brothers “Christmas,” 8:30 p.m. 14 Mike Stern/Jeff Lorber Fusion with Jimmy Haslip & Dave Weckl, 8:30 p.m. 9 Herman’s Hermits, 8:30 p.m. 10 Folk Family Revival Electric Darlin, 8:30 p.m. 11 Texas Flood, 8:30 p.m. 16 Will Carter, 8:30 p.m. 17 Bart Crow, 8:30 p.m. 18 Wayne “The Train” Hancock, 8:30 p.m. MAHONEY’S TEXISH BAR AND RESTAURANT 24WATERWAY AVE., STE. 100, THEWOODLANDS 832-663-5228 www.mahoneysbar.com December 15 The Texas Tenors, 7:30 p.m. 18 Joe Burlison’s Christmas Jazz, 7:30 p.m. 19 Norman Brown’s Joyous Christmas, 8:30 p.m. 20 Cool Freddie E & the Crew, 8:30 p.m.
10 Leo Mendoza, 7 p.m. 11 J.B. Barnett, 7 p.m. 12 Sammy Hundley Trio, 8 p.m. 13 Anthony Pitt, 7 p.m. 13 Jimmie Hunter, 10:30 p.m. 14 The Vibes, 6 p.m. 14 Infinity’s Twin, 10:30 p.m. 17 Paige Lewis, 7 p.m. 18 Robert Greaney, 7 p.m. 19 The Others, 8 p.m. 20 Unique Soul, 7 p.m. 20 Nervous Rex, 10:30 p.m.
21 Cody Cannon, 8:30 p.m. 22 Jonathan Godfrey, 7 p.m.
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NOBODY’SGIRL DOSEYDOE BIGBARN
27 Mike Zito, 8:30 p.m. 28 Rosehill, 7:30 p.m.
28 Alex Weeden, 8:30 p.m. 31 Hamilton Loomis, 9 p.m. January 3 Susan Gibson with Drew Kennedy, 8:30 p.m. 4 The Natives Are Restless, 8:30 p.m.
The Austin-based trio Nobody’s Girl stops at Dosey Doe Big Barn in The Woodlands on their nationwide tour in support of their 2018 EP, “Waterline.” The group, which includes BettySoo, Rebecca Loebe and Grace Pettis, will perform their signature pop- rock and soul music along with an assortment of Christmas tunes. The set will also feature a live taping of Kyle Hutton’s songwriter interview radio show, “Real Life Real Music.” 8 p.m. $20. Dosey Doe Big Barn, 25911 I-45 N., The Woodlands. 281-367-3774. www.doseydoe.com
WORTHWHILE CONVERSATIONS RE-THINKING ROTH IRAS…
ROTH IRAS ARE NOT EXACTLY NEW. WHAT IS THERE TO “RE-THINK?” More to the point: Some people should re-think the use of Roth IRAs. Start by remembering two key differences between Roth IRAs and traditional IRAs. First, money contributed to a Roth has already been taxed. BUT, if you conform to the rules, everything you ever withdraw, including earnings that might be many times what was contributed, is completely tax-free. Second, unlike traditional IRAs, there is NO requirement to withdraw minimum distributions from a Roth IRA after reaching age 70-1/2. YOU SAID “SOME PEOPLE” MIGHT NEED A RE-THINK. WHO SPECIFICALLY? After 48 years of working with clients, we’ve now advised through the full cycle of IRA drawdowns for some of our longer-tenured families. Oftentimes, we encounter meaningful balances left in these IRA accounts when the estate passes to the next generation. Those clients were well enough positioned for retirement that they did not “need” all the funds in their IRA. That is the opportunity. SO, HOW DOES THAT CONNECT TO THE ROTH IRA? Phillip Hamman, CFP ® , CFA, chairs our Wealth Planning Committee, a group of our professionals with multiple professional backgrounds, including attorneys and CPAs.
He summarized the connection in this way: “Clients approaching or just starting retirement may forecast that IRA accounts will not be fully withdrawn during their lifetime, leaving a balance for heirs. Until seeing the numbers, it is difficult for them to imagine the potential wealth enhancement from a Roth conversion. The strategy of converting all or a portion of a traditional IRA and paying some tax now is counter-intuitive, but the savings accumulated over many years can be substantial.” Each person’s situation is unique, and running the numbers is critical. WHAT ARE THE PITFALLS? Make sure you have experienced and well- trained eyes preparing the analysis. This is an area where it is essential to rely upon an advisor who is 100% committed to the fiduciary business model, which puts the client’s interest first. Do not rely on “analysis” from anyone with a product selling motivation. Our experienced team of financial professionals are ready to sit down at our office in The Woodlands to visit about the potential.
J. Harold Williams and Lantz Bowman weigh the differences between traditional IRAs and Roth IRAs, and the importance of having a team of professionals to determine the right choice for you. (Left to right: J. Harold Williams, CPA/PFS, CFP ® ; Lantz Bowman, CFP ® ).
Linscomb & Williams is not an accounting firm.
For more information, or a copy of our Form ADV, Part II, with all of our disclosures, call Grant Williams at 281 841 0707, or visit www.linscomb-williams.com.
1925 Hughes Landing Blvd., Ste. 200 The Woodlands, Texas 77380 281 841 0707 www.linscomb-williams.com
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