Happy Halloween!


Shape mozzarella balls into mini pumpkins, then pair them with sweet cherry tomatoes and fresh basil for eye-catching bites.


This is a must-have for all of your seasonal gatherings!


"Back-Door" Roth IRA's


There are two ways to put money into a Roth IRA: 1. Annual contributions and 2. Roth conversions.


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Option #1: Annual contributions work great for some, but you can't contribute if your income is over certain levels. For 2025, the Modified Adjusted Gross Income (MAGI) limits for a full Roth IRA contribution are less than $150,000 for single filers and less than $236,000 for married couples filing jointly


Option #2: Roth conversions have no income limits. The downside to this option is that these are taxable income in the year of conversion.


A Backdoor Roth IRA is a legal strategy that allows high-income earners to contribute to a Roth IRA—even if their income is too high to qualify for regular Roth contributions.


How it works

  1. Contribute to a Traditional IRA:
  2. You make a non-deductible contribution (meaning you don’t get a tax break now).
  3. Convert it to a Roth IRA:
  4. You then move (or “convert”) that money from your Traditional IRA into a Roth IRA.
  5. Pay any taxes if needed:
  6. If your Traditional IRA didn’t grow before you converted—and you don’t have other pre-tax IRA money—you’ll usually owe little to no tax on the conversion.
  7. Enjoy tax-free growth:
  8. Once the money is in the Roth IRA, it can grow tax-free, and qualified withdrawals in retirement are also tax-free.


A Backdoor Roth IRA is a smart way for high-income earners to still take advantage of the tax-free growth and tax-free withdrawals of a Roth IRA, even if they exceed the normal income limits.



Feel free to schedule a year end tax planning session with me today!


https://calendly.com/jdisalvo-accountant


Government Shutdowns & the IRS Operations


Tax Professionals and Taxpayers were already having difficulty communicating with the IRS prior the most recent shutdown but now the IRS operations are more limited.


CLICK HERE for details

Important information for taxpayers


  • Taxpayers must continue to file and pay taxes as normal.
  • All tax deadlines remain in effect, including those covering individuals, corporations, partnerships and employers. The regular payroll tax deadlines remain in effect as well.
  • The IRS will continue processing payments received, whether by check or electronic means, during this period.
  • Taxpayers can file their tax return electronically or on paper –– although the processing of paper returns will be delayed until full government operations resume. Payments accompanying paper tax returns will still be accepted and deposited as the IRS receives them.
  • The IRS website, www.IRS.gov, will remain available, along with some of the automated tools on the site.
  • Tax professionals, tax software companies and Free File will remain available



This mantra honors the rhythm of the universe — the endless exchange between giving and receiving. To embody divine flow is to trust that you are both a vessel and a source; that abundance doesn’t begin or end with you, it moves through you.

When you live in divine flow, you stop forcing outcomes and start allowing alignment. You receive inspiration, you create with intention, and you give with love — forming a sacred circuit of energy that never depletes, only amplifies. This is the essence of sustainable abundance: when your actions are guided by spirit, your results naturally multiply.


🌕 Reflection Practice

Repeat this mantra while focusing on your breath: inhale to receive, exhale to release.

Imagine energy spiraling through you — golden, fluid, balanced.

You are not chasing; you are channeling.

You are not striving; you are synchronized.

The more you trust this rhythm, the more the universe meets you in harmony.





The Current Cosmic Mojo Conumdrum:

A Full Moon, An Interstellar Visitor & A New World Awakening

A Taurus Full Moon: November 5, 2025


A Full Moon is illuminating. Taurus is a fixed earth sign, ruled by Venus, associated with materiality, value, stability, pleasure, and the senses. A Full Moon in Taurus typically invites grounding and sorting out our values (physical, emotional, financial). It can inspire us to enjoy good fortune and be grateful for what we have and, thus, even to release old patterns around lack and security. In short: A light inspired adventurous take on a Taurus Full Moon asks: “Are you clinging what seems real, tangible and stable?” And: “Can you let go and bravely open to previously unimagined possibility?”


Note: The energy of this mojo will last from the Full Moon until the next New Moon (11/21/25).


The Mojo Conumdrum


At the time of the November 5 Full Moon when an abundance light promises the potential of clarity there will be a mysterious and confusing stellar backdrop: 1.) The presence of a confounding interstellar object, and 2.) The build-up time for a global cosmic reset. This is uncharted territory that prompts questions such as: Do we celebrate new horizons? Or, Do we pray for protection? The best answer is: It would probably be to our benefit

to do both.


The Mysterious and Confounding 3I/Atlas


Recently, astronomers identified an interstellar object, designated as 3I/Atlas. It has captured wide spread attention because of its unique trajectory and reputed origin from beyond our solar system. Interstellar wanderers serve as physical reminders of our place in a much larger cosmos. These visitors can be viewed as an invitation to expand our perspective and consider fresh possibilities beyond familiar boundaries.


The Saturn-Neptune Conjunction in Aries


In the weeks ahead, Saturn and Neptune will be setting the stage for an exact conjunction in Aries on February 20, 2026. This potent alignment will be occurring at zero degrees of Aries on the world axis. Saturn represents structure, responsibility, and the manifestation of vision; Neptune rules dreams, illusion, and spiritual inspiration. These energies will combine, and, in the best-case scenario, will initiate a new cycle of bold visions grounded in integrity and collective awakening.


Synchronicity


This Full Moon sheds light. However, at that time the interstellar object will be hidden on the far side of the Sun. Hopefully, despite the AI/Atlas “blackout”, we may still be able to glean benefits from interpreting the astrological messaging including.


 3I/Atlas comes from beyond our usual sphere, the Saturn-Neptune conjunction invites us to embrace a higher vision of our terrestrial reality.


 The conjunction in Aries asks us to act (Saturn) on spiritual insights (Neptune) rather than simply dream them. The interstellar object may prompt new expansive thinking.


 Both highlight boundary-breaking: 3I/Atlas crossed the solar barrier; the Saturn-Neptune conjunction in Aries encourages crossing internal barriers of fear, status-quo thinking, and limitation.


Note: As this timeframe spans into the framework of next week’s Cosmic Mojo stay tuned for updates in next week’s entry.


Guidance for Navigating Life


 Responding to the light of the Full Moon look up and open to possibilities (hunches) outside your immediate framework to inform your next steps.


 A creative impulse that once felt out-of-reach may now be ready for initiation with practical planning (Saturn) and inspired energy (Neptune).


 Some old structures (career norms, belief systems, personal limitations) will best be released rather than forced. The anticipated presence of this conjunction at zero degrees suggests that a door is closing and making space for new cosmically inspired visions.




In Summary


The intersection of cosmic discovery and planetary alignment reminds us that the universe isn’t just a backdrop. Rather it’s actively inviting our participation. The Saturn-Neptune conjunction in Aries isn’t just theoretical: it’s a call to be a pioneer. And 3I/Atlas shows us that the frontier includes literally uncharted territories. The Taurus Full Moon may help you make a fixed (and perhaps stubborn) stand for making the most of new horizons.



Taurus The Stubborn Bull: Will It Be an Asset and/or Liability for You?


Aries

 Asset: Grounds impulsive instincts, helping Aries finish what they start.


 Liability: Can feel like a speed bump—Taurus’s slow pace frustrates Aries’s need for action.


Taurus

 Asset: Doubles down on strength, endurance, and loyalty—true staying power.


 Liability: Overly fixed; can resist necessary change or get stuck in comfort zones.


Gemini

 Asset: Adds stability and follow-through to scattered thoughts and social pursuits.


 Liability: Feels like a drag on curiosity and flexibility; too routine for restless Gemini.


Cancer

 Asset: Enhances emotional security and devotion; builds lasting comfort.


 Liability: Both signs cling—emotional and material possessiveness can breed stagnation.


Leo

 Asset: Supports Leo’s ambitions with patience, reliability, and practical luxury.


 Liability: Taurus’s realism can dull Leo’s flair; clashes over pride and control possible.


Virgo

 Asset: Combines earth sensibility—productive, organized, and capable of real-world results.


 Liability: Both can over-control outcomes; perfectionism meets stubbornness.


Libra

 Asset: Provides grounding and financial sense for Libra’s aesthetic ideals.


 Liability: Taurus’s possessiveness may restrict Libra’s need for harmony and variety.


Scorpio

 Asset: Deepens loyalty, sensuality, and determination—mutual endurance through trials.


 Liability: Power struggles; neither lets go easily, leading to standoffs.


♐ Sagittarius

 Asset: Helps Sag anchor big ideas into tangible reality.


 Liability: Taurus’s caution limits Sag’s freedom; differing risk tolerance causes friction.


Capricorn

 Asset: Both value security and persistence—ideal for building empires.


 Liability: Workaholic tendencies; both can become rigid and overly materialistic.


Aquarius

 Asset: Balances intellect with practicality; gives form to visionary concepts.


 Liability: Taurus’s resistance to change grates on Aquarius’s need for innovation.


Pisces

 Asset: Offers grounding and sensual stability to Pisces’s dreamy creativity.


 Liability: Taurus may find Pisces too elusive; Pisces may feel smothered by Taurus’s solidity.

Oceana Sip + Shop!


📍 Inside the Wholesale Department of Oceana Coffee (http://www.oceanacoffee.com/) – Lake Park


1301 10th Street, Lake Park


After your morning workout, keep the momentum going with a little caffeine and retail therapy! ☕✨


• Sip & Shop | 9:00 a.m.–12:00 p.m.

Featured vendors include: Autumn Esthetics, Brittney Cookies, 2 Cute Bags, Cosmic Coven, Crystal Mystic Goddess, De La Sidra, Felicia Alfajores, Fred Astaire Dance Studio – Palm Beach Gardens, Green Compass, Greeting Heart, Juleszel Garden & Gifts, Pampered Chef Cindy, Sanders Elite Tutoring – Lake Park, Thymeless Treats, and Margarita Nielsen-Palacios Fine Arts.


Our Sip & Shop brings together favorite local makers, bakers, and creators for a lively Saturday market inside Oceana Coffee (http://www.oceanacoffee.com/). Discover gifts, jewelry, artisan goods, and holiday-ready treasures — all while soaking in the community vibes at Culinary Crossroads.

✨ Featuring Local Vendors




• Oceana Coffee’s new brunch menu available all day



📣Ayurveda helps us understand how to care for our unique constitution through lifestyle, nutrition, and daily rhythm.


In this 90-minute workshop, we’ll explore the timeless principles of Ayurveda and how they can be applied in modern life. You’ll:


✨ Learn the foundational philosophy of the five elements and three doshas (mind-body types). 

✨ Discover how these forces show up in your body, your environment, and even in the seasons and times of day. * Reflect on your own habits, diet, and lifestyle through the Ayurvedic lens. 

✨ Begin building a personal pathway toward balance and vitality, guided by nature’s rhythms. 


$40 or $30 for osy members





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