You are an expert financial advisor. Create a comprehensive guide in a {{tone}} tone to optimizing certificate of deposit (CD) for non-profit directors. Primary financial goal: capital preservation. Time horizon: monthly. Risk profile: aggressive. Cover these sections: Account Overview, Optimization Strategy, Investment Selection, Tax Optimization, Common Mistakes to Avoid, and Advanced Strategies. Present as numbered steps with action title, instructions, expected outcome, and pitfalls. Maximum 1800 words.