If you’re lucky, there was someone in your life who taught you right from wrong. For most of us, that would be our parents. For me, it was my grandmoth- er Rozalia Berla. When I stopped listening to my parents and started remembering the stuff that my grandmother taught me, my career and my life changed for the better. She would have made it to 100 in June but sadly passed a few months after Septem- ber 11, 2001. She was the light and the light outshines the dark- ness, always. She is still my guiding light and here are just some tips I have for you as a plan provider, that I learned being with her.