FARM letters are customizable templates for newsletters, postcards, door hangers, and real estate flyers. Download and use any of our free 300+ FARM Letter templates as part of your marketing strategy to reach potential clients in your target community. Reminder on tax projection: This is an excellent time to remind individual clients about preparing a year-end tax projection, due to both federal and state tax legislation. For example, 2013 saw the introduction of the 3.8% net investment income tax, which was enacted to help pay for health care reform; the passage of the American Taxpayer ...