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”“And you want to help?”“Uh, that was sort of the idea.” Heather blushed but nodded.“Is this the same cousin who loaned you his house for the first time you and Robby...”“Yes!”Lauren thought about it for a second, then shrugged her shoulders. She set her dust rag down and sat down on the edge of the bed. “I don’t see why not. Make sure you give me all the dates. Planning on another special weekend?”Heather happily nodded her head. “I, we, well we just want some time by ourselves. You know, where we don’t have to hurry and run home or whatever.”“What do Robby’s parents think about this?”Heather sheepishly admitted that she didn’t think he had told them the specifics.‘Well, unless they’re complete idiots, they must suspect something,” commented Lauren dryly. “You were planning on making this a special weekend?”“Well, maybe. I guess I wasn’t planning on really packing the suitcase to overflowing, if you know what I mean.”Lauren laughed brightly and patted Heather’s hand. Standing, she. The main thing you need to do, is to have me run an analysis to determine the best investments for you. I’ll coordinate with Bob, but for most of my clients, I suggest non-taxable and tax deferred investments. But going that route is only advisable if the long-term, projected net income on the investment portfolio exceeds your projected after tax earnings on a taxable investment. If your projected Adjusted Income is still too high and your tax rate is still at the maximum tax rate, we can look at charitable contributions to see if they will reduce your tax burden to make them worthwhile. We will also need to take into account the limits on charitable contributions. Of course, if you decide to support a charity for reasons other than cutting your tax obligation, then I can let you know how your contributions are likely to affect your tax burden.”“What are the charitable limits you mentioned?”“The limits only apply when your contribution exceeds fifty percent of your Adjusted Income..
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