In this episode: Avoid heavy penalties by disclosing any accounts you hold in other countries that total over $10,000. "Back door tax increase" created by new 401(k) catch-up contribution rule. Revocable Trusts: explanations and best practices. We also hear from Todd Stonesifer, President of The Moving Experience, a local real estate brokerage on how he's shaking up the real estate business.  Todd is also the President of the Board of Directors for the Downtown Dover Partnership.  He fills us in on the big plans starting to unfold in Downtown Dover, Delaware and what's next on the list to revitalize the area.