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Mom is 94 (reasonable health) but still needs my time more than what this job would ever permit. Plus now I will be get to Mass daily, without worrying about the time constraints and work load this job requires, a big plus for me. And time to bake more cookies and stuff to giveaway. My favorite being the springerle. Have yet to find anyone to turn down one of those. My deepest appreciation for those to have helped me learn along the way, my apologies to those I may have inadvertently offended by any comments I may have made. In the cartoon Futurama, the character Fry made the comment "You remember Star Trek, 79 episodes, maybe 30 good ones". I figure that might be about how many really good and worthwhile comments I posted. Dave Baker is going to be glad because he won't have to listed to complaints about the bad jokes, humorless songs and awful puns I occasionally posted. My favorite takeaways after all these years: I know a few have said I'm a bit crazy for giving away stuff for free, but has been a big highlight for me. Hopefully the few Relius reports I have posted have proved useful and a time saver to some, along with the excel file for projecting the new limits. Someone else can worry about updating that every year. Ha. Over the years it has been kind of neat to see postings on the internet about projected limits. And I had the nicest comment years ago from FT William about the SSA report to pull the data from Relius into their system. The best advice I can provide, something I have always tried to keep in mind with my dealing with others: God has a benefit plan that is out of this world, so store up for yourselves treasures in heaven, not the things here on earth.

Tom: First, "you can check out any time you want, but you may never leave..." Second, this does not absolve you of responsibility to return with your "Christmas Song" puzzle....

Tom, While not unexpected, this is a sad day for the rest of us. You've been a tremendous contributor to this forum and to the benefits world at large. I wish you all the very best.

Well, to some of us, volunteering for this would be like volunteering to get some bad virus.

And tell your client: you get what you pay for.

.....and nobody has even brought up VEBAs and 412(I)!