February 2018

The Secret Ingredient

Quote of the Day

"The way you speak to others can offer them joy, happiness, self-confidence, hope trust, and enlightment. Mindful speaking is a deep practice."

Nhat Hanh






by Carol Duschinsky

Pick 5 marinara sauce jars off of the shelf. Taste each one and each will taste different. They each are called Marinara Sauce each containing the basic recipe, but to each a chef has tweaked the basic recipe by adding his own secret ingredient. And so after tasting each of the chef’s recipe, you find one that suits you. The one that speaks to your taste buds and gives you that comfortable feeling.

What about your selection of a Professional Advisor? Do you look for that secret ingredient in choosing the person for that role? You know what I am talking about, that relationship that will give you that comfortable feeling like a really good marinara sauce does. A taste that stays with you. So with food it is really simple, your taste buds tell you right away – oh that is good or ugh that tastes awful. Simple analysis and decision. But dealing with human relationships is not so easy to analyze and choose. And yet there is a way to decide on the best person for you to work with. Find the right professional who has the right secret ingredients for your personality.

New Grandson - New 529 - New Rules



Bob With Nicholas_0.jpg            Nicholas Douglas Crawford_0.jpg

Bob with Nicholas              Nicolas Douglas Crawford


An investment in knowledge pays the best interest.

Benjamin Franklin


December 2017 was an amazing month!

My wife Renee and I were blessed with a beautiful Christmas gift, our first grandchild, handsome baby Nicholas.

Of course we wanted to begin contributing to his college education via a 529 college saving plan as soon as possible.  We know that since 2001, the 529 contributions can be deposited into plan account and that the accumulation of assets would have the possibility to grow income tax free, as long the account funds are used for the benefit of Nicholas’s college expenses. 

However, with the enactment of the new tax legislation, the Tax Cuts and Jobs Act of 2017, some significant 529 plan account expansion items were enacted. 

These new changes allow for several compelling improvements that may benefit baby Nicholas’s future educational opportunities.