The November/December Personal Finance Newsletter is now available. It includes information on the 2013 retirement plan limits and an update on investment market performance. There are also two articles relevant to the fiscal cliff negotiations — a review of the considerations in harvesting long term capital gains and a discussion of the special dividend payments many companies are making this year. In addition, the 2013 schedule for Keller free retirement planning workshops is listed, and an article on giving wisely to charity. Please click here to read the newsletter.