I'm happy to hear you're donating to charity, but you're missing out on a great opportunity to reduce your taxable income and save for retirement. The 2013 contribution limit is $17,500, and most financial planners would be aghast at a well-paid professional like yourself not taking such an easy step to lower your tax liability. The good news is that if you max out your contribution either today or tomorrow, you'll still make the 2013 contribution deadline.

Say hey to the folks we both know for me when you see them.