<!DOCTYPE html>
<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" lang="en">

<head>
	<title></title>
	<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
	<meta name="viewport" content="width=device-width, initial-scale=1.0">
	<!--[if mso]><xml><o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch><o:AllowPNG/></o:OfficeDocumentSettings></xml><![endif]-->
	<!--[if !mso]><!-->
	<link href="https://fonts.googleapis.com/css?family=Lato" rel="stylesheet" type="text/css">
	<link href="https://fonts.googleapis.com/css?family=Montserrat" rel="stylesheet" type="text/css">
	<link href="https://fonts.googleapis.com/css?family=Droid+Serif" rel="stylesheet" type="text/css">
	<!--<![endif]-->
	<style>
		* {
			box-sizing: border-box;
		}

		body {
			margin: 0;
			padding: 0;
		}

		a[x-apple-data-detectors] {
			color: inherit !important;
			text-decoration: inherit !important;
		}

		#MessageViewBody a {
			color: inherit;
			text-decoration: none;
		}

		p {
			line-height: inherit
		}

		.desktop_hide,
		.desktop_hide table {
			mso-hide: all;
			display: none;
			max-height: 0px;
			overflow: hidden;
		}

		@media (max-width:635px) {

			.image_block img.big,
			.row-content {
				width: 100% !important;
			}

			.mobile_hide {
				display: none;
			}

			.stack .column {
				width: 100%;
				display: block;
			}

			.mobile_hide {
				min-height: 0;
				max-height: 0;
				max-width: 0;
				overflow: hidden;
				font-size: 0px;
			}

			.desktop_hide,
			.desktop_hide table {
				display: table !important;
				max-height: none !important;
			}
		}
	</style>
</head>

<body style="background-color: #f1f4f8; margin: 0; padding: 0; -webkit-text-size-adjust: none; text-size-adjust: none;">
	<table class="nl-container" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #f1f4f8;">
		<tbody>
			<tr>
				<td>
					<table class="row row-1" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; color: #000000; width: 615px;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; vertical-align: top; padding-top: 0px; padding-bottom: 0px; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<table class="divider_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="padding-left:10px;padding-right:10px;padding-top:15px;">
																<div class="alignment" align="center">
																	<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
																		<tr>
																			<td class="divider_inner" style="font-size: 1px; line-height: 1px; border-top: 0px solid #BBBBBB;"><span>&#8202;</span></td>
																		</tr>
																	</table>
																</div>
															</td>
														</tr>
													</table>
													<table class="text_block block-2" width="100%" border="0" cellpadding="10" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad">
																<div style="font-family: sans-serif">
																	<div class style="font-size: 12px; mso-line-height-alt: 24px; color: #555555; line-height: 2; font-family: Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif;">
																		<p style="margin: 0; font-size: 14px; text-align: center; mso-line-height-alt: 28px;">{!User.MtgPlanner_CRM__Logo__c}</p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="divider_block block-3" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="padding-left:10px;padding-right:10px;padding-top:18px;">
																<div class="alignment" align="center">
																	<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
																		<tr>
																			<td class="divider_inner" style="font-size: 1px; line-height: 1px; border-top: 0px solid #BBBBBB;"><span>&#8202;</span></td>
																		</tr>
																	</table>
																</div>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-2" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; color: #000000; width: 615px;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; vertical-align: top; padding-top: 0px; padding-bottom: 0px; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<table class="image_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="width:100%;padding-right:0px;padding-left:0px;">
																<div class="alignment" align="center" style="line-height:10px"><img class="big" src="https://www.mpc-news.com/email/The%20Closing%20Email%20of%20the%20Week/230115_CEW_banner-header.png" style="display: block; height: auto; border: 0; width: 615px; max-width: 100%;" width="615" alt="There’s Still Time to Lower Your 2022 Taxable Income" title="There’s Still Time to Lower Your 2022 Taxable Income"></div>
															</td>
														</tr>
													</table>
													<table class="text_block block-2" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-bottom:5px;padding-left:10px;padding-right:10px;padding-top:20px;">
																<div style="font-family: 'Trebuchet MS', Tahoma, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Montserrat', 'Trebuchet MS', 'Lucida Grande', 'Lucida Sans Unicode', 'Lucida Sans', Tahoma, sans-serif; mso-line-height-alt: 14.399999999999999px; color: #555555; line-height: 1.2;">
																		<p style="margin: 0; text-align: center; mso-line-height-alt: 14.399999999999999px;"><span style="font-size:18px;color:#ed2920;"><strong>There’s Still Time to Lower Your<br>2022 Taxable Income</strong></span></p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="text_block block-3" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-bottom:5px;padding-left:30px;padding-right:30px;padding-top:15px;">
																<div style="font-family: 'Trebuchet MS', Tahoma, sans-serif">
																	<div class style="font-size: 12px; mso-line-height-alt: 21.6px; color: #000000; line-height: 1.8; font-family: 'Montserrat', 'Trebuchet MS', 'Lucida Grande', 'Lucida Sans Unicode', 'Lucida Sans', Tahoma, sans-serif;">
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 21.6px;"><span style="font-size:12px;color:#000000;"><span style>Hi </span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">Just a quick reminder – If you have a traditional Individual Retirement Account (IRA), you can still make contributions for the 2022 tax year up until the tax deadline of April 17, 2023.</p>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">IRAs are one way to use earned income to save for retirement, while reducing your taxable income. The IRS has published the following limits on individual taxpayer contributions for tax year 2022.</p>
																		<ul style="line-height: 1.8; mso-line-height-alt: 21.6px;">
																			<li><span style="color:#ed2920;"><strong>Standard Contribution Limit:</strong></span> $6,000 per taxpayer 49 and younger</li>
																			<li><span style="color:#ed2920;"><strong>Catch-Up Contribution Limit:</strong> </span>$7,000 per taxpayer 50 and older</li>
																		</ul>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">Your tax deduction may be limited if you or your spouse are covered by a retirement plan at work, and your income exceeds certain levels. Click on the following links to see IRS contribution and deduction limits for the 2022 tax year, based on your filing status and modified AGI:</p>
																		<ul style="line-height: 1.8; mso-line-height-alt: 21.6px;">
																			<li>If you are <span style="color:#ed2920;"><a href="https://www.irs.gov/retirement-plans/plan-participant-employee/2022-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-not-covered-by-a-retirement-plan-at-work" target="_blank" style="text-decoration:underline;color:#ed2920;" rel="noopener"><strong>NOT covered by a retirement plan at work</strong></a></span></li>
																			<li>If you <span style="color:#ed2920;"><a href="https://www.irs.gov/retirement-plans/plan-participant-employee/2022-ira-contribution-and-deduction-limits-effect-of-modified-agi-on-deductible-contributions-if-you-are-covered-by-a-retirement-plan-at-work" target="_blank" style="text-decoration: underline; color: #ed2920;" rel="noopener"><strong>ARE covered by a retirement plan at work</strong></a></span></li>
																		</ul>
																		Please consult your tax preparer or financial advisor if you have any questions about your personal situation. If there is anything my team and I can do for you regarding your mortgage, we’re ready to assist you!<br>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">Sincerely,<br><br></p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 21.6px;"><span style="font-size:12px;color:#000000;">{!User.FirstName}</span></p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 21.6px;">&nbsp;</p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-3" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; color: #000000; width: 615px;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; vertical-align: top; padding-top: 0px; padding-bottom: 0px; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<table class="text_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad">
																<div style="font-family: sans-serif">
																	<div class style="font-size: 14px; mso-line-height-alt: 16.8px; color: #555555; line-height: 1.2; font-family: Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif;">
																		<p style="margin: 0; font-size: 14px; text-align: center; mso-line-height-alt: 16.8px;">{!User.MtgPlanner_CRM__User_Signature_HTML__c}</p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
				</td>
			</tr>
		</tbody>
	</table><!-- End -->
</body>

</html>