I had heard a variety of 'recollections' regarding Capital Gains Tax and how best to 'avoid' them but Chad filled me in on the particulars of the new tax law and helped me understand how best to negotiate the current environment. He did so in a prompt, polite, professional manner which enabled me to articulate the plethora of questions that I had accumulated. I now understand exactly what to expect and when - something I can't say as of one day ago. Many thanks and looking forward to the next time our paths should cross.