This quarter’s Rays of Light newsletter offers timely information on making the most of your charitable dollars. Did you know that more and more Americans age 70 and older are realizing significant tax savings by transferring retirement account assets directly to qualifying charities? You are invited to read the newsletter below, then learn more about this tax-saving opportunity by requesting AMM’s free brochure, “Giving Through Retirement Plans.“ Finally, don’t miss the link to ordering this season’s featured rosary from AMM’s online gift shop.