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Offered by Brian Holley – Farmers Insurance

There’s rarely a dull moment in the news or in the economy, but a couple events dominated headlines recently: the nomination of Jerome Powell as the new Chairman of the Federal Reserve, record stock market highs, Bitcoin, and Trump’s tax reform proposal. Closer to home: Colorado worker shortage; but also reported best economy in the US! (according to

Although these macroeconomic events may seem inconsequential in our day to day lives, they do in fact have bearing on your personal financial strategies. What you do today matters. In fact, your daily habits may be a major determinant of your wealth.

Put your money to work in a retirement plan that takes advantage of a 401(k). It’s one of the best ways to build your retirement nest egg and manage taxes. If your employer does not offer a savings plan yet, or you are a business owner shopping for one, feel free to contact me.

Farmers InsuranceIf the shorter and darker winter days have you feeling a bit down, there are little changes you can try every day to brighten the New Year:

  • Keep your goals in sight! Focus on your goals everyday.
  • Know what needs to be done today. And review your to-do list for the next day each night.
  • Read, but not just for fun! Continue your education with good books.
  • Go above and beyond at work. Do more than the job requires.

These are a few suggestions to help brighten your days and years ahead.

Please have a happy and prosperous New Year!

Click here to view Brian Holley, Farmers Insurance on The Brighton Buzz Business Directory

Farmers Insurance

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Offered by: John Wilson, B.S., BC-HIS, Blue Ribbon Hearing & Tinnitus Center

Blue Ribbon Hearing & Tinnitus CenterRegularly, I am asked: “When is it time to get hearing aids?” Given my experience and multiple recent medical studies, my answer is, “As soon as you are diagnosed with hearing loss.” Why? In part, because multiple studies, including ones from Johns Hopkins University and University of Colorado, have been published regarding the correlation of hearing loss to other serious health problems.

These studies show multiple health related issues, including an increased likelihood of developing dementia (including Alzheimer’s Disease) for those with hearing loss; increased brain shrinkage at a faster rate for those with hearing loss compared to those with normal hearing; and brain reorganization even in individuals with mild hearing loss. Also, compared to people with normal hearing, individuals with hearing loss are more likely to get injured from falling, be hospitalized, suffer from poor physical health, and have more mental health problems.

Dr. Frank Lin, M.D., Ph.D. of Johns Hopkins University said, “If you want to address hearing loss well, you want to do it sooner rather than later. If hearing loss is potentially contributing to these differences we’re seeing on MRI, you want to treat it before these brain structural changes take place.”** In my experience, individuals who start wearing hearing aids sooner rather than later adjust more quickly; understand speech better, especially in noise; and maintain a higher quality of life than those who wait.

**For more information on the studies mentioned and citations, go to

Click here to view Blue Ribbon Hearing on The Brighton Buzz Business Directory

Blue Ribbon Hearing

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Offered by Lyle Talbot – Tax Smart LLC

Tax Smart, LLCGiven the uncertainty that the proposed new tax reform is generating, finding a highly competent tax preparer to help guide you through the complex laws that are shaping up is going to be even more important this year than in the past. Even if congress is successful in creating the much talked about “Post Card” tax return, it will only be used for the most basic of tax returns and if you have any deductions or credits coming, there are going to be additional forms you’ll need to file. Even though it may look simple, it really isn’t much different than what we already have.

We are a local family owned business with experience helping people get the largest tax refund possible, Tax Smart LLC, in association with H&R Block, is here to help. As a former IRS agent with over 30 years experience, Doreen Talbot has the knowledge and dedication to make sure you get every dollar you’re entitled to. Don’t let the politicians fool you into paying the IRS more than your fair share. Call Tax Smart today to schedule an appointment and see how we can help save you more of your hard earned money.

If you are a business owner, it’s even MORE important to call us today. Congress is in the process of trying to change the tax laws and you’ll want to make sure you don’t miss any critical issues that may effect you this year and in the future. We are a full service, year round office that is helping local companies with bookkeeping, sales tax, income tax returns, payroll, tax planning and more. We are dedicated to serving the needs of our growing community and want to help you thrive in a competitive market.

Click here for more information about Tax Smart.

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Offered by Wes Bear, Owner/Instructor – Concealed Carry Workshop

I offer the in-person training (required by Colorado law) to apply for a concealed handgun permit along with “continuing education opportunities.”

Once you make the decision to take responsibility for your own defense, a concealed handgun is a logical choice. Think of the handgun as the “engine in a car” and your training as the “gas the engine” that your handgun needs to run on.

Your training shouldn’t stop once you have your permit to carry. Whether the training is instructor-led or you want to research and organize your own plan, keep learning.

Please visit my website for more information on concealed carry and continuing education that I offer at: CCWorkshop.CO

Click here to view Concealed Carry Workshop on The Brighton Buzz Business Directory

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Offered by: Kyle Bullock, ATLAS CPAs & Advisors PLLC

Many of the tax changes affecting individuals and businesses for 2017 were related to the Protecting Americans from Tax Hikes Act of 2015 (PATH) that modified or made permanent numerous tax breaks (the so-called “tax extenders”). To further complicate matters, some provisions were only extended through 2016 and are set to expire at the end of this year while others were extended through 2019. With that in mind, here’s what individuals and families need to know about tax provisions for 2017.

Personal Exemptions
The personal and dependent exemption for tax year 2017 is $4,050.

Standard Deductions
The standard deduction for married couples filing a joint return in 2017 is $12,700. For singles and married individuals filing separately, it is $6,350, and for heads of household the deduction is $9,350.

The additional standard deduction for blind people and senior citizens in 2017 is $1,250 for married individuals and $1,550 for singles and heads of household.

Income Tax Rates
In 2017 the top tax rate of 39.6 percent affects individuals whose income exceeds $418,400 ($470,700 for married taxpayers filing a joint return). Marginal tax rates for 2017–10, 15, 25, 28, 33 and 35 percent–remain the same as in prior years.

Due to inflation, tax-bracket thresholds increased for every filing status. For example, the taxable-income threshold separating the 15 percent bracket from the 25 percent bracket is $75,900 for a married couple filing a joint return.

Estate and Gift Taxes
In 2017 there is an exemption of $5.49 million per individual for estate, gift and generation-skipping taxes, with a top tax rate of 40 percent. The annual exclusion for gifts is $14,000.

Alternative Minimum Tax (AMT)
AMT exemption amounts were made permanent and indexed for inflation retroactive to 2012. In addition, non-refundable personal credits can now be used against the AMT.

For 2017, exemption amounts are $54,300 for single and head of household filers, $84,500 for married people filing jointly and for qualifying widows or widowers, and $42,250 for married people filing separately.

Marriage Penalty Relief
The basic standard deduction for a married couple filing jointly in 2017 is $12,700.

Pease and PEP (Personal Exemption Phaseout)
Pease (limitations on itemized deductions) and PEP (personal exemption phase-out) limitations were made permanent by ATRA (indexed for inflation) and affect taxpayers with income at or above $261,500 for single filers and $313,800 for married filing jointly in tax year 2017.

Flexible Spending Accounts (FSA)
Flexible Spending Accounts (FSAs) are limited to $2,600 per year in 2017 (up from $2,550 in 2016) and apply only to salary reduction contributions under a health FSA. The term “taxable year” as it applies to FSAs refers to the plan year of the cafeteria plan, which is typically the period during which salary reduction elections are made.

Specifically, in the case of a plan providing a grace period (which may be up to two months and 15 days), unused salary reduction contributions to the health FSA for plan years beginning in 2012 or later that are carried over into the grace period for that plan year will not count against the $2,600 limit for the subsequent plan year.

Further, employers may allow people to carry over into the next calendar year up to $500 in their accounts, but aren’t required to do so.

For questions or more info on this complex topic, please contact The ATLAS CPAs. The ATLAS CPAs & Advisors office is located at: 21 North 1st Ave., Suite #200 in Brighton. You can also reach Manager Kyle Bullock by phone at: 303.659.3951.

Click here to view ATLAS CPAs & Advisors on The Brighton Buzz Business Directory

ATLAS CPAs & Advisors

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Offered by: City of Brighton Public Information Office

Are you looking for a way to give back to the community while also helping to keep Brighton beautiful? The city’s Streets & Fleet department is currently accepting applications for its Adopt-a-Street program. The Adopt-a-Street program is a litter-reduction campaign designed to remove trash and debris from city streets and improve the quality of our environment. The program offers individuals, groups and businesses the opportunity to demonstrate their desire for a cleaner community by taking an active role in which they help beautify and keep our streets litter free.

The City has pre-selected a number of streets within our city limits that represent our highest litter areas. By volunteering to Adopt-A-Street, individuals or organizations agree to remove litter from a minimum of one mile of roadway, six times a year, for at least a one-year period. The city will provide volunteers with safety training, trash bags, and safety vests at no cost. Additionally, the city will haul away the bagged litter and all heavy debris or hazardous objects. Adopted streets will also have a sign installed recognizing the individual or group that has adopted the street.

Those interested in helping keep Brighton clean, may request an application by calling our Streets & Fleet department at 303-655-2034 or via e-mail at

Adopt a Street | City of Brighton

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Offered by: Emily Wilson, Co-Owner – FirstLight Home Care

Independence. Freedom. Flexibility. Quality of life. Regardless of age, location or background, most people want these same things. FirstLight can help. FirstLight is a completely new approach to high-quality home care based on a system that provides our clients with dependable and truly exceptional service that begins with our caregivers.

Our caregivers are carefully chosen and they understand the challenges families face when caring for loved ones. Central to our caregiving approach is matching our clients with a caregiver who fits the personality, needs and vision of the client and family. We create caregiving relationships that are built on trust, communication and a deep understanding. And we’re dedicated to the core values of client happiness, peace of mind and quality of life that support our Culture of Care.

FirstLight provides quality non-medical home care for seniors or any adult who may need assistance. Contact us today to learn how we can help you or your loved one.

Offered by Emily Wilson, 720-502-3939 |

FirstLight Home Care

Click here to view FirstLight Home Care on The Brighton Buzz Business Directory

FirstLight Home Care

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Offered by Geoff Nelson, Brighton Family Counseling

How often do you spend time investing in your marriage? Unfortunately most couples wait until the wheels fall off before they come in to work on their marriage. Sometimes the damage is so great it cannot be salvaged. Some of the areas to be aware of are communication, finances, conflict resolution, in-laws, and of course, sex. Lack of communication stems from an inability to connect emotionally. That is the basis for building trust. Finances can destroy the safety that needs to be fueled regularly. Set a budget to control the spending and you will both be better for it. Fighting is not a bad thing in a marriage but it does matter how we fight, and most importantly, how the fight is resolved. In-laws can sabotage and destroy a couple, but there are effective strategies to navigate these difficult waters and not allow it to impact your marriage. All of the above mentioned areas affect a couple’s sex life. So take a look at our ad and give us a call today if you would like to be one of the five couples that make the investment of a happier and more fulfilled marriage in 2018!

Wishing you all the best in the New Year! Call: 720.373.5731

Brighton Family Counseling

Click here to view Brighton Family Counseling on The Brighton Buzz Business Directory

Brighton Family Counseling

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They should not be left ill-informed or unaware
Offered by T. Lloyd Worth, Worth Financial Partners

Talking about “the end” is not the easiest thing to do, and this is one reason why some people never adequately plan for the transfer of their wealth. Those who do create estate plans with help from financial and legal professionals sometimes leave their heirs out of the conversation.

Have you let your loved ones know a little about your estate plan? This is decidedly a matter of personal preference: you may want to share a great deal of information with them, or you may want to keep most of the details to yourself. Either way, they should know some basics.

Having this talk can become easier when it is a values conversation, not a money conversation.

Values driven estate planning. You can let your heirs know that your values are at the core of the decisions you have made. You need not tell them how much they will inherit. You may let them know about the planning steps you have taken to make a difficult time a bit easier.

For example, you can tell your loved ones that you have a will and/or a revocable living trust. In all probability, your executor or successor trustee has been informed of his or her future responsibilities – but other heirs may not know who the executor or successor trustee will be.

You can tell them that you have an advance health care directive in place and inform them who you have named as an agent to make health care decisions on your behalf if you cannot do so. You can provide the contact information for your estate planner, your CPA, your retirement planner, and any insurance, legal, and medical professionals you consult. Have your heirs ever met these people? Tell your heirs the role they have played for you, your family, or your company and why the judgment of these professionals should be trusted.

Do people beyond your household need to know any of this? Think about it for a second. If you have grandchildren, nieces, or nephews, do they figure into your estate plan? Is it appropriate to let them know that you have made an estate-planning decision or two on their behalf? How about charities or non-profits you have supported – have you notified them of your intent to make a gift from your estate and could knowledge of your decision better facilitate the process? How about your business partner(s)? Do they need to be informed of particular estate-planning intentions you have?

Obviously, you must keep certain details close to the vest. Keeping everything to yourself, however, can be problematic. Are your heirs aware of the location of a copy of your health care proxy? Might they discover that you have planned for some of your estate to transfer to charity only after your death? Dilemmas and surprises like these may be avoided through communication – the type of communication that anyone planning an estate should make a priority.

Not every couple or individual does, though. BMO Wealth Management asked the high net worth clients it advises if they had disclosed the location of their wills and power of attorney forms with their heirs. Thirteen percent of respondents said their heirs had no clue; 25% said “only my spouse and I” knew the location of the documents.¹

A 2017 poll determined that just 42% of Americans had gone so far as to draw up a will, let alone an estate plan. So, if you have planned for the transfer of your wealth, you are ahead of many of your peers. Just see that your intentions, and some specific details, are effectively communicated.¹

T. Lloyd Worth may be reached at (303) 558-0214 or

This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment.

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC ( /

¹ [11/15/17]

Click here to view Worth Financial Partners on The Brighton Buzz Business Directory

Worth Financial Partners

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Offered by Rich Germaine, Owner, Joyful Noise Music School

Between soccer and scouts, your school-age kid’s schedule is loaded with fun activities. If you’re on the fence about adding music classes to the list, take note of the benefits that come with signing your little one up for violin or piano lessons. Maybe he/she won’t be the next Beethoven, but they may have an easier time learning math, practicing good manners (including patience!), and becoming a team player. Plus, music is the perfect gift for Christmas! Read on to learn more about the benefits of music education:

It improves academic skills.

Music and math are highly intertwined. By understanding beat, rhythm, and scales, children are learning how to divide, create fractions, and recognize patterns. It seems that music wires a child’s brain to help him better understand other areas of math, says Lynn Kleiner, founder of Music Rhapsody in Redondo Beach, CA. As kids get older, they’ll start reciting songs, calling on their short-term memory and eventually their long-term memory. Using a mnemonic device to do this is a method that can later be applied to other memory skills, says Mary Larew, Suzuki violin teacher at the Neighborhood Music School in New Haven, Connecticut. Musical instrument classes also introduce young children to basic physics. For instance, plucking the strings on a guitar or violin teaches children about harmonic and sympathetic vibrations. Even non-string instruments, such as drums and the vibraphone, give big kids the opportunity to explore these scientific principles.

It develops physical skills.

Certain instruments, such as percussion, help children develop coordination and motor skills; they require movement of the hands, arms, and feet. This type of instrument is great for high-energy kids, says Kristen Regester, Early Childhood Program Manager at Sherwood Community Music School at Columbia College Chicago. String and keyboard instruments, like the violin and piano, demand different actions from your right and left hands simultaneously. “It’s like patting your head and rubbing your belly at the same time,” Regester says. Instruments not only help develop ambidexterity, but they can also encourage children to become comfortable in naturally uncomfortable positions. Enhancing coordination and perfecting timing can prepare children for other hobbies, like dance and sports.

For more information about Joyful Noise Music School, please click here!