Beauty

FRESH BLACK TEA FIRMING OVERNIGHT MASK

The free radical–inhibiting benefits of kombucha, black tea, blackberry leaf, and lychee extracts in this overnight treatment will firm, soothe, and rebalance your skin come morning. $92, Sephora, Palm Beach Gardens

CLEANUP Crew

SUPERGOOP! DAILY DOSE VITAMIN C + SPF

This serum shields against the sun’s harmful UVA and UVB rays, while vitamin C and Kakadu plum extract create a barrier against pollutants. Added bonus: It also helps protect against the oxidative stress of blue light from electronic devices. $46, Nordstrom, Palm Beach Gardens

DIAL UP YOUR SKIN’S DEFENSES TO ENVIRONMENTAL POLLUTANTS WITH THESE POTENT, ANTIOXIDANT-RICH PRODUCTS

by ABIGAIL DUFFY

URBAN DECAY ALL NIGHTER POLLUTION PROTECTION

This lightweight setting spray will ensure your makeup stays in place all day, plus zinc, magnesium, and copper create a mineral barrier to protect against oxidation due to pollution. $34, Ulta Beauty, Palm Beach Gardens

DERMALOGICA DAILY SUPERFOLIANT

Cleanse, detoxify, and exfoliate the day’s impurities away, with activated binchotan charcoal that absorbs irritants and pollutants to leave your skin bright and refreshed. $59, Ulta Beauty, Palm Beach Gardens

PIXI VITAMIN-C JUICE CLEANSER

This facial wash gets a boost from vitamin C and ferulic acid, which work to brighten and repair sun- and pollutantdamaged complexions. Added probiotics strengthen the skin’s barrier to help prevent future damage. $18, Target, Lake Park

DRUNK ELEPHANT D-BRONZI ANTI-POLLUTION SUNSHINE DROPS

The cocoa extract in this seriously glowy serum contains phytocompounds that deliver a powerful antioxidant punch, while vitamin D–mimicking chronocyclin remedies issues like sun exposure, jet lag, and other skin stressors. $36, Sephora, Palm Beach Gardens

PEACH & LILY MATCHA PUDDING ANTIOXIDANT CREAM

This moisturizer contains matcha, which is rich in antioxidants called catechins that fight free radical damage. The result: less visible fine lines and a brighter complexion. $40, Ulta Beauty, Palm Beach Gardens

Are you relocating to a new state?

Changing your residence to a different state has many financial implications. To avoid tax and other consequences, be sure you understand the steps you need to take before moving. Among their diverse services, The Rizzo, Apple, Schneider, and Langbert Group at J.P. Morgan Wealth Management—Wealth Partners Anthony Rizzo, Roy Apple, Jeremy Schneider, and Brett Langbert—can work with you to help minimize the risks and disruptions of an upcoming move.

CHANGING YOUR STATE OF RESIDENCE?

You have to leave, really leave. Many states that rely on levying state income taxes to generate revenue are active in challenging claims by former residents that they have moved out of state and changed their tax domiciles. “In order for your move to be respected, you really have to move—half measures may leave you open to claims by your former home state that it should still be able to tax you,” says Anthony Rizzo.

WHAT DOES IT MEAN TO LEAVE?

Changing residence is a legal matter, so follow the guidance of your independent legal and tax advisors before doing anything. There are many actions you can take to fulfill the requirements of a move, so you’ll want to make a checklist to keep organized and stay on track.

WHERE TO START?

“A good place to start is by changing your driver’s license to your new state and canceling your old license,” says Jeremy Schneider. “Register your car in your new state and notify your insurance company of the change. Similarly, change your voter registration.” Are you affiliated with a religious institution? Move your religious affiliation to a local house of worship. Do you plan to buy a home, or will you be renting? If possible, sell your home in your old state. If you need to keep your home, transfer title to family members or other entities; if you’re planning to rent in your new state, ask for a long-term lease.

KEEP YOUR MOST VALUABLE DOCUMENTS UP-TO-DATE.

“Remember to revise your estate planning documents (wills, trusts, powers of attorney, advance care directives, etc.) to reflect your new state’s forms,” advises Roy Apple. This is an essential part of keeping your tax domicile current.

FOCUS YOUR ECONOMIC, SOCIAL, AND FINANCIAL ACTIVITIES IN YOUR NEW STATE.

Move your bank accounts and safe deposit box to your new state and close bank accounts in your former state. Engage local medical professionals and send your medical records to them. Change your address with the IRS—list your new address on your tax returns. Notify your credit card companies and financial institutions of your new address. In general, focus your everyday activities in your new state.

PAY ATTENTION TO TIMING.

Maintain a calendar to remind yourself to stay outside your former state for more than 182 days in each calendar year. Keep receipts that prove local activity in your new state. Remember, you generally don’t have to be in your new state for more than 182 days, just outside your former state. Brett Langbert advises, “The less time you spend in your former state, the less likely your old state will initiate a ‘residency audit,’ requiring you to prove where you spend the most time.”

LEARN FROM EXPERIENCE.

Work with the right advisor to help protect your assets. The Rizzo, Apple, Schneider, and Langbert Group at J.P. Morgan has over 100 years of collective experience helping clients of significant wealth integrate their personal goals with their financial objectives. The team, whose members hold top rankings in Forbes and Barrons, also works seamlessly with their clients’ other advisors to help ensure the complexities of significant wealth are intelligently managed over time.

To learn more about the Rizzo, Apple, Schneider, and Langbert Group, contact:

561-694-5602 or email the.rasl.group@jpmorgan.com

Awards or rankings are not indicative of future success or results. Published information is generally based exclusively on material prepared and/or submitted by the recognized recipient. To learn about selection criteria, contact the issuing third-party, non-affiliated organization(s). JPMorgan Chase & Co., its affiliates, and employees do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for tax, legal and accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any financial transaction. J.P. Morgan Wealth Management is a business of JPMorgan Chase & Co., which offers investment products and services through J.P. Morgan Securities LLC (JPMS), a registered broker-dealer and investment advisor, member FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. Certain custody and other services are provided by JPMorgan Chase Bank, N.A. (JPMCB). JPMS, CIA and JPMCB are affiliated companies under the common control of JPMorgan Chase & Co. Products not available in all states.