GRAND Magazine - November/December 2013 - (Page Intro-Cover1)

It's never too early to foster a love of learning Discover 529s: A great way to give the gift of education Hooray for grandparents! Lately, they've been playing a pivotal role in the college savings effort. With a 529 plan like Scholars Choice® College Savings Program, you can feel confident that you are making the most of your vital financial gift. Tax benefits, professional money management and account owner control are just some of the benefits. Help the next generation of scholars. Explore how at or call your financial advisor today. Follow us on Twitter @scholars_choice An investor should consider the Program's investment objectives, risks, charges and expenses before investing. The Program Disclosure Statement at, which contains more information, should be read carefully before investing. If an investor and/or an investor's beneficiary are not Colorado taxpayers, they should consider before investing whether their home states offer 529 plans that provide state tax and other benefits only available to state taxpayers investing in such plans. Investments in the Scholars Choice College Savings Program are not insured by the FDIC or any other government agency and are not deposits or other obligations of any depository institution. Investments are not guaranteed by the State of Colorado; CollegeInvest, Legg Mason Global Asset Allocation, LLC; Legg Mason Investor Services, LLC; or Legg Mason, Inc. or its affiliates, and are subject to investment risks, including loss of principal amount invested. Legg Mason, Inc., its affiliates, and its employees are not in the business of providing tax or legal advice to taxpayers. These materials and any tax-related statements are not intended or written to be used, and cannot be used or relied upon, by any such taxpayer for the purpose of avoiding tax penalties or complying with any applicable tax laws or regulations. Tax-related statements, if any, may have been written in connection with the "promotion or marketing" of the transaction(s) or matter(s) addressed by these materials, to the extent allowed by applicable law. Any such taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor. Scholars Choice is a registered service mark of CollegeInvest. CollegeInvest and the CollegeInvest logo are registered trademarks. Administered and issued by CollegeInvest, State of Colorado. Legg Mason Global Asset Allocation, LLC is the Investment Manager and Legg Mason Investor Services, LLC is the primary distributor of interests in the Program; together they serve as Manager of the Program. Legg Mason Global Asset Allocation, LLC and Legg Mason Investor Services, LLC are Legg Mason, Inc. affiliates. INVESTMENT PRODUCTS: NOT FDIC INSURED * NO BANK GUARANTEE * MAY LOSE VALUE ©2013 Legg Mason Investor Services, LLC. Member FINRA, SIPC. Legg Mason Investor Services, LLC is a subsidiary of Legg Mason, Inc. 10/13 FN1313782 GRAND november/december 2013 The Digital Magazine for Grandparents and their Families The Magic of Giving Back Retirement: Expecting the Unexpected Meet Grandparents Pat & Shirley Boone Best Kids Storybooks of 2013 Healthy Holiday Feasting My 12 Days of Grand Gifting Multigen Living: Who Pays for What? Grandparent Rights: Alone for the holidays?

Table of Contents for the Digital Edition of GRAND Magazine - November/December 2013


GRAND Magazine - November/December 2013