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% Document Info
\author{Coughee (mattar12)}
\pdfinfo{
  /Title (financial-industry.pdf)
  /Creator (Cheatography)
  /Author (Coughee (mattar12))
  /Subject (Financial Industry Cheat Sheet)
}

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\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
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    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
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\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{Financial Industry Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{Coughee (mattar12)} via \textcolor{DarkBackground}{\uline{cheatography.com/21375/cs/4104/}}}
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\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
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  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}Coughee (mattar12) \\
  \uline{cheatography.com/mattar12} \\
        \uline{\seqsplit{smrtradv}.com}
  \end{tabulary}
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\columnbreak
\begin{tabulary}{5.8cm}{L}
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Published 19th May, 2015.\\
   Updated 9th May, 2016.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
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  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
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  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

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\footnotesize % Small font.

\begin{multicols*}{2}

\begin{tabularx}{8.4cm}{x{1.656 cm} x{1.512 cm} x{1.656 cm} x{2.376 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{4}{x{8.4cm}}{\bf\textcolor{white}{\{\{fa-bar-chart\}\}Tax Brackets - 2015}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{br\}\} ~ & \{\{ac\}\}{\emph{Filing Status}} &  &  \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}\{\{nl\}\} & \{\{ac\}\}{\bf{Single}} & \{\{bl\}\}\{\{ac\}\}{\bf{Married}} &  \tn 
% Row Count 6 (+ 3)
% Row 2
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}\{\{nl\}\} &  & \{\{bl\}\}\{\{ac\}\}{\bf{Jointly}} & \{\{noshy\}\}\{\{bl\}\}\{\{ac\}\}{\bf{Separately}} \tn 
% Row Count 9 (+ 3)
% Row 3
\SetRowColor{white}
{\bf{`10\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\textless{}\$9,225 & \{\{bl\}\}\{\{ac\}\}\textless{}\$18,450 & \{\{bl\}\}\{\{ac\}\}\textless{}\$9,225 \tn 
% Row Count 12 (+ 3)
% Row 4
\SetRowColor{LightBackground}
{\bf{`15\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\$37,450 & \{\{bl\}\}\{\{ac\}\}\$74,900 & \{\{bl\}\}\{\{ac\}\}\$37,450 \tn 
% Row Count 15 (+ 3)
% Row 5
\SetRowColor{white}
{\bf{`25\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\$90,750 & \{\{bl\}\}\{\{ac\}\}\$151,200 & \{\{bl\}\}\{\{ac\}\}\$75,600 \tn 
% Row Count 18 (+ 3)
% Row 6
\SetRowColor{LightBackground}
{\bf{`28\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\$189,300 & \{\{bl\}\}\{\{ac\}\}\$230,450 & \{\{bl\}\}\{\{ac\}\}\$115,225 \tn 
% Row Count 21 (+ 3)
% Row 7
\SetRowColor{white}
{\bf{`33\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\$411,500 & \{\{bl\}\}\{\{ac\}\}\$411,500 & \{\{bl\}\}\{\{ac\}\}\$205,750 \tn 
% Row Count 24 (+ 3)
% Row 8
\SetRowColor{LightBackground}
{\bf{`35\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\$413,200 & \{\{bl\}\}\{\{ac\}\}\$464,850 & \{\{bl\}\}\{\{ac\}\}\$232,425 \tn 
% Row Count 27 (+ 3)
% Row 9
\SetRowColor{white}
{\bf{`39.6\%`}}\{\{br\}\}\{\{ac\}\} & \{\{ac\}\}\textgreater{}\$413,200 & \{\{bl\}\}\{\{ac\}\}\textgreater{}\$464,850 & \{\{bl\}\}\{\{ac\}\}\textgreater{}\$232,425 \tn 
% Row Count 30 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}----}
\SetRowColor{LightBackground}
\mymulticolumn{4}{x{8.4cm}}{\{\{noshy\}\}The IRS will publish the official 2015 tax tables in January 2016. The source for this table was an \{\{link="http://taxfoundation.org/article/2015-tax-brackets"\}\}article\{\{/link\}\} published by \{\{link="http://TaxFoundation.org"\}\}TaxFoundation.org\{\{/link\}\} and reitterated in \{\{link="http://goo.gl/GEDYBG"\}\}Forbes\{\{/link\}\}.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}----}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{1.008 cm} x{2.016 cm} x{2.088 cm} x{2.088 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{4}{x{8.4cm}}{\bf\textcolor{white}{\{\{fa-institution\}\}Breakpoints (A-Shares)}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{\$}}\{\{ac\}\} & \{\{ac\}\}\{\{bl\}\}\{\{nobreak\}\}Growth Funds & \{\{ac\}\}\{\{bl\}\}\{\{nobreak\}\}Bond Funds & Other\{\{ac\}\}\{\{bl\}\}\{\{nobreak\}\} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\{\{nl\}\} & \{\{nobreak\}\}\{\{ac\}\}\{\{bl\}\}{\bf{Sales Charge}}\textasciicircum{} (GDC)\textasciicircum{} & \{\{nobreak\}\}\{\{ac\}\}\{\{bl\}\}{\bf{Sales Charge}}\textasciicircum{} (GDC)\textasciicircum{} & \{\{nobreak\}\}\{\{ac\}\}\{\{bl\}\}{\bf{Sales Charge}}\textasciicircum{} (GDC)\textasciicircum{} \tn 
% Row Count 9 (+ 5)
% Row 2
\SetRowColor{LightBackground}
\{\{bt\}\}\{\{ac\}\}{\emph{\textless{} \$25k}} & \{\{bt\}\}\{\{ac\}\}{\bf{5.75\%}}\textasciicircum{} (5.0\%)\textasciicircum{} & \{\{bt\}\}\{\{ac\}\}{\bf{2.50\%}}\textasciicircum{} (2.0\%)\textasciicircum{} & \{\{bt\}\}\{\{ac\}\}{\bf{3.75\%}}\textasciicircum{} (3.0\%)\textasciicircum{} \tn 
% Row Count 13 (+ 4)
% Row 3
\SetRowColor{white}
\{\{ac\}\}{\emph{\$50k}} & \{\{ac\}\}{\bf{5.0\%}}\textasciicircum{} (4.25\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.50\%}}\textasciicircum{} (2.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{3.75\%}}\textasciicircum{} (3.0\%)\textasciicircum{} \tn 
% Row Count 16 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\{\{ac\}\}{\emph{\$100k}} & \{\{ac\}\}{\bf{4.5\%}}\textasciicircum{} (3.75\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.50\%}}\textasciicircum{} (2.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{3.75\%}}\textasciicircum{} (3.0\%)\textasciicircum{} \tn 
% Row Count 19 (+ 3)
% Row 5
\SetRowColor{white}
\{\{ac\}\}{\emph{\$250k}} & \{\{ac\}\}{\bf{3.5\%}}\textasciicircum{} (2.75\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.50\%}}\textasciicircum{} (2.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{3.50\%}}\textasciicircum{} (2.75\%)\textasciicircum{} \tn 
% Row Count 22 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\{\{ac\}\}{\emph{\$500k}} & \{\{ac\}\}{\bf{2.5\%}}\textasciicircum{} (2.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.0\%}}\textasciicircum{} (1.6\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.50\%}}\textasciicircum{} (2.0\%)\textasciicircum{} \tn 
% Row Count 25 (+ 3)
% Row 7
\SetRowColor{white}
\{\{ac\}\}{\emph{\$750k}} & \{\{ac\}\}{\bf{2.0\%}}\textasciicircum{} (1.6\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.0\%}}\textasciicircum{} (1.6\%)\textasciicircum{} & \{\{ac\}\}{\bf{2.00\%}}\textasciicircum{} (1.6\%)\textasciicircum{} \tn 
% Row Count 28 (+ 3)
% Row 8
\SetRowColor{LightBackground}
\{\{ac\}\}{\emph{\$1m}} & \{\{ac\}\}{\bf{1.5\%}}\textasciicircum{} (1.2\%)\textasciicircum{} & \{\{ac\}\}{\bf{1.5\%}}\textasciicircum{} (1.2\%)\textasciicircum{} & \{\{ac\}\}{\bf{1.50\%}}\textasciicircum{} (1.2\%)\textasciicircum{} \tn 
% Row Count 31 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{1.008 cm} x{2.016 cm} x{2.088 cm} x{2.088 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{4}{x{8.4cm}}{\bf\textcolor{white}{\{\{fa-institution\}\}Breakpoints (A-Shares) (cont)}}  \tn
% Row 9
\SetRowColor{LightBackground}
\{\{ac\}\}{\emph{≥\$1m}} & \{\{ac\}\}{\bf{0.0\%}}\textasciicircum{} (1.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{0.0\%}}\textasciicircum{} (1.0\%)\textasciicircum{} & \{\{ac\}\}{\bf{0.0\%}}\textasciicircum{} (1.0\%)\textasciicircum{} \tn 
% Row Count 3 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}----}
\SetRowColor{LightBackground}
\mymulticolumn{4}{x{8.4cm}}{Obviously, breakpoints are different with each fund company. These are specifically \{\{link="https://www.americanfunds.com/advisor/investments/share-class-information/share-class-pricing.html"\}\}American Funds breakpoints\{\{/link\}\}.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}----}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{8.4cm}}{\bf\textcolor{white}{Column Break}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{8.4cm}}{} \tn 
% Row Count 0 (+ 0)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{3.116 cm} x{2.28 cm} x{2.204 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{8.4cm}}{\bf\textcolor{white}{Tax Due (\$)}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{ac\}\}{\bf{Single}}\{\{br\}\} & \{\{ac\}\}{\bf{Married}} &  \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
\{\{nl\}\}\{\{br\}\} & \{\{ac\}\}{\emph{Joint}} & \{\{ac\}\}{\emph{Separate}} \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}{\bf{Max \$}} & \{\{ac\}\}{\bf{Max \$}} & \{\{ac\}\}{\bf{Max \$}} \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}\$922.50 & \{\{ac\}\}\$1,845 & \{\{ac\}\}\$922.50 \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}\$5,156.25 & \{\{ac\}\}\$10,312.50 & \{\{ac\}\}\$5,156.25 \tn 
% Row Count 10 (+ 2)
% Row 5
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}\$18,481.25 & \{\{ac\}\}\$29,387.50 & \{\{ac\}\}\$14,693.75 \tn 
% Row Count 12 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}\$46,075.25 & \{\{ac\}\}\$51,577.50 & \{\{ac\}\}\$25,788.75 \tn 
% Row Count 14 (+ 2)
% Row 7
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}\$119,401.25 & \{\{ac\}\}\$111,324 & \{\{ac\}\}\$55,662 \tn 
% Row Count 16 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}\$119,996.25 & \{\{ac\}\}\$129,996 & \{\{ac\}\}\$64,998.25 \tn 
% Row Count 18 (+ 2)
% Row 9
\SetRowColor{white}
\{\{nl\}\} & \{\{nl\}\} &  \tn 
% Row Count 19 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{8.4cm}}{This shows the tax liability at the max income for each bracket.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{2.584 cm} x{2.508 cm} x{2.508 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{8.4cm}}{\bf\textcolor{white}{Roth IRA Income Limits (2015)}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{bb\}\}\{\{nl\}\} & \{\{bb\}\}\{\{ac\}\}\{\{link="http://www.irs.gov/publications/p590a/ch03.html\#en\_US\_2014\_publink1000231195"\}\}{\bf{Mod. AGI}}\{\{/link\}\} & \{\{bb\}\}\{\{ac\}\}{\bf{Contribution}} \tn 
% Row Count 10 (+ 10)
% Row 1
\SetRowColor{white}
 & \{\{ac\}\}\textless{}{\emph{\$183,000}} & \{\{ac\}\}up to the \{\{link="http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits"\}\}limit\{\{/link\}\} \tn 
% Row Count 22 (+ 12)
% Row 2
\SetRowColor{LightBackground}
\{\{nl\}\}\{\{ac\}\}Married\textasciicircum{}\{\{link="http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-For-2015"\}\}`*`\{\{/link\}\}\textasciicircum{} & \{\{ac\}\}≥\${\emph{183,000}}\{\{nl\}\}\&\{\{nl\}\}\textless{}{\emph{\$193,000}} & \{\{nl\}\}\{\{ac\}\}a \{\{link="http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-For-2015"\}\}reduced\{\{/link\}\} amount \tn 
% Row Count 33 (+ 11)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{2.584 cm} x{2.508 cm} x{2.508 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{3}{x{8.4cm}}{\bf\textcolor{white}{Roth IRA Income Limits (2015) (cont)}}  \tn
% Row 3
\SetRowColor{LightBackground}
\{\{nl\}\}\{\{bb\}\} & \{\{ac\}\}\{\{bb\}\}≥{\emph{\$193,000}} & \{\{bb\}\}\{\{ac\}\}\$0 \tn 
% Row Count 2 (+ 2)
% Row 4
\SetRowColor{white}
 & \{\{ac\}\}\textless{}{\emph{\$116,000}} & \{\{ac\}\}up to the \{\{link="http://www.irs.gov/Retirement-Plans/Plan-Participant,-Employee/Retirement-Topics-IRA-Contribution-Limits"\}\}limit\{\{/link\}\} \tn 
% Row Count 14 (+ 12)
% Row 5
\SetRowColor{LightBackground}
\{\{nl\}\}\{\{ac\}\}Single & \{\{ac\}\}≥\${\emph{116,000}}\{\{nl\}\}\&\{\{nl\}\}\textless{}{\emph{\$131,000}} & \{\{nl\}\}\{\{ac\}\}a \{\{link="http://www.irs.gov/Retirement-Plans/Amount-of-Roth-IRA-Contributions-That-You-Can-Make-For-2015"\}\}reduced\{\{/link\}\} amount \tn 
% Row Count 25 (+ 11)
% Row 6
\SetRowColor{white}
 & \{\{ac\}\}≥{\emph{\$131,000}} & \{\{ac\}\}\$0 \tn 
% Row Count 27 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\SetRowColor{LightBackground}
\mymulticolumn{3}{x{8.4cm}}{I only included "Married Filing Jointly" numbers here...I'll add "Married Filing Separately" soon. \newline Also, for those that exceed the income limit, the \{\{link="http://www.investopedia.com/ask/answers/042214/how-can-i-fund-roth-ira-if-my-income-too-high-make-direct-contributions.asp"\}\}backdoor Roth IRA\{\{/link\}\}.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}---}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{8.4cm}}{\bf\textcolor{white}{page break}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{8.4cm}}{} \tn 
% Row Count 0 (+ 0)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{4.32 cm} x{3.68 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{IRS Exemptions/Deductions}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{8.4cm}}{\{\{bb\}\}\{\{ac\}\}{\bf{Standard Tax Deduction}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
{\bf{Filing Status}}\{\{ac\}\} & {\bf{Deduction Amount}}\{\{ac\}\} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Single\{\{ac\}\} & \{\{ac\}\}\$6,300 \tn 
% Row Count 4 (+ 1)
% Row 3
\SetRowColor{white}
\{\{ac\}\}Married Filing Jointly & \{\{ac\}\}\$12,600 \tn 
% Row Count 6 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\{\{ac\}\}Head of Household & \{\{ac\}\}\$9,250 \tn 
% Row Count 8 (+ 2)
% Row 5
\SetRowColor{white}
\{\{ac\}\}Personal Exemption & \{\{ac\}\}\$4,000 \tn 
% Row Count 10 (+ 2)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{8.4cm}}{\{\{nl\}\}\{\{bb\}\}} \tn 
% Row Count 11 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{2}{x{8.4cm}}{\{\{bb\}\}\{\{ac\}\}{\bf{Alternative Minimum Tax}}} \tn 
% Row Count 12 (+ 1)
% Row 8
\SetRowColor{LightBackground}
{\bf{Filing Status}}\{\{ac\}\} & {\bf{Exemption Amount}}\{\{ac\}\} \tn 
% Row Count 14 (+ 2)
% Row 9
\SetRowColor{white}
\{\{ac\}\}Single & \{\{ac\}\}\$53,600 \tn 
% Row Count 15 (+ 1)
% Row 10
\SetRowColor{LightBackground}
\{\{ac\}\}Married Filing Jointly & \{\{ac\}\}\$83,400 \tn 
% Row Count 17 (+ 2)
% Row 11
\SetRowColor{white}
\{\{ac\}\}Married Filing Separately & \{\{ac\}\}\$41,700 \tn 
% Row Count 19 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{8.4cm}{x{5.28 cm} x{2.72 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Misc IRS Limits}}  \tn
% Row 0
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}{\bf{Social Security}}\{\{nl\}\}\{\{link="https://faq.ssa.gov/link/portal/34011/34019/Article/3739/What-happens-if-I-work-and-get-Social-Security-retirement-benefits"\}\}Earned Income Limit\{\{/link\}\}\{\{nl\}\}{\emph{below}} FRA\{\{link="http://www.socialsecurity.gov/OACT/COLA/RTeffect.html"\}\}\textasciicircum{}calc\textasciicircum{}\{\{/link\}\} & \{\{nl\}\}\{\{ac\}\}{\emph{\$15,720}} \tn 
% Row Count 12 (+ 12)
% Row 1
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}{\bf{Social Security}}\{\{nl\}\}\{\{link="https://faq.ssa.gov/link/portal/34011/34019/Article/3739/What-happens-if-I-work-and-get-Social-Security-retirement-benefits"\}\}Earned Income Limit\{\{/link\}\}\{\{nl\}\}{\emph{above}} FRA\{\{link="http://www.socialsecurity.gov/OACT/COLA/RTeffect.html"\}\}\textasciicircum{}calc\textasciicircum{}\{\{/link\}\} & \{\{nl\}\}\{\{ac\}\}{\emph{\$41,880}} \tn 
% Row Count 24 (+ 12)
% Row 2
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}{\bf{Simple IRA}}\{\{nl\}\}Contrib Limit\{\{nl\}\} & \{\{nl\}\}\{\{ac\}\}{\emph{\$12,500}} \tn 
% Row Count 26 (+ 2)
% Row 3
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}{\bf{Simple IRA}} Catchup* & \{\{ac\}\}{\emph{\$2,500}} \tn 
% Row Count 28 (+ 2)
% Row 4
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}{\bf{403(b)}}\{\{nl\}\}Contrib LImit\{\{nl\}\} & \{\{nl\}\}\{\{ac\}\}{\emph{\$18,000}} \tn 
% Row Count 30 (+ 2)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{8.4cm}{x{5.28 cm} x{2.72 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{8.4cm}}{\bf\textcolor{white}{Misc IRS Limits (cont)}}  \tn
% Row 5
\SetRowColor{LightBackground}
\{\{br\}\}\{\{ac\}\}{\bf{403(b)}} Catchup* & \{\{ac\}\}{\emph{\$6,000}} \tn 
% Row Count 2 (+ 2)
% Row 6
\SetRowColor{white}
\{\{br\}\}\{\{ac\}\}{\bf{Gift Tax}}\{\{nl\}\} & \{\{ac\}\}{\emph{\$14,000}} \tn 
% Row Count 4 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{8.4cm}}{*Catchup age is ≥ 50 years old.  All numbers are as of May 2015.}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}