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Offered by Brighton Attorney Gregory R. McMahon

This will be the final article in my series on recent developments in Immigration law. Neither the author nor the editor of the Brighton Buzz take any position or opinion on this issue. As always, our job is to keep you informed.

Immigration and Customs Enforcement (ICE) very recently made it clear that they will continue to have a presence at local courthouses. Consequently, some have expressed concern that victims of violent crimes or key witnesses that could help the government prosecute violent criminals will not come to court for fear of arrest and deportation.

“Locations treated as sensitive locations under ICE policy would include, but are not be limited to:

  • Schools, such as known and licensed daycares, preschools and other early learning programs; primary schools; secondary schools; post-secondary schools up to and including colleges and universities; as well as scholastic or education-related activities or events, and school bus stops that are marked and/or known to the officer, during periods when school children are present at the stop;
  • Medical treatment and health care facilities, such as hospitals, doctors’ offices, accredited health clinics, and emergent or urgent care facilities;
  • Places of worship, such as churches, synagogues, mosques, and temples;
  • Religious or civil ceremonies or observances, such as funerals and weddings; and
  • During a public demonstration, such as a march, rally, or parade.”

The information in this column is not legal advice and does not create an attorney-client relationship.

Click here to view Greg for the Defense on The Brighton Buzz Business Directory

Greg for the Defense

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Offered by T. Lloyd Worth

A good financial strategy is not just about “making money;” it is also about protection.

Some people mistake investing for financial planning. Their “financial strategy” is an investing strategy, in which they chase the return and focus on the yield of their portfolio, missing the big picture.

Investing represents one facet of long-term financial planning. Trying to build wealth is one thing; trying to protect it is another. An effort must be made to manage risk.

Insurance can play a central role in wealth protection. That role is underappreciated – partly because some of the greatest risks to wealth go unnoticed in daily life. Five days a week, investors notice what happens on Wall Street; the market is constantly “top of mind.” What about “back of mind” things investors may not readily acknowledge?

What if an individual suddenly cannot work? Without disability insurance, a seriously injured or ill person out of the workforce may have to dip into savings to replace income – i.e., reduce his or her net worth. As the Council for Disability Awareness notes, the average length of a long-term disability claim is nearly three years. Workers’ compensation insurance will only pay out if a disability directly relates to an incident that occurs at work, and most long-term disabilities are not workplace related. Disability insurance can commonly replace 40-70% of an individual’s income. Minus disability coverage, imagine the financial impact of going, for instance, three years without work and what that could do to a person’s net worth and retirement savings.¹

What if an individual suddenly dies? If a household relies on that person’s income, how does it cope financially with that income abruptly disappearing? In such a crisis, life insurance can offer relief. The payout from a policy with a six-figure benefit can provide the equivalent of years of income. Optionally, that payout can be invested. Life insurance proceeds are usually exempt from income tax; although any interest received is taxable.²

Most people want a say in what happens to their wealth after they die. Again, insurance can play a role. At a basic level, those with larger estates may use life insurance to address potentially large liabilities, such as business loans, mortgage payments, and estate taxes. An ILIT may also shield the cash value of a life insurance policy from “predators and creditors.” Beyond that, a sizable life insurance policy can be creatively incorporated into an irrevocable life insurance trust (ILIT), through which an individual can plan to exclude life insurance proceeds from his or her taxable estate.3

Yes, the estate tax exemption is high right now: $5.49 million. Even so, if a person dies in 2017 while owning a $5 million life insurance policy and a $500,000 home, his or her estate would be taxed. An ILIT would be a useful estate-planning tool in such a circumstance.

Why do people under insure themselves as they strive to build wealth? Partly, it is because death and disability are uncomfortable conversation topics. Many people neglect estate planning due to this same discomfort and because they lack knowledge of just how insurance can be used to promote wealth preservation.

The bottom line? Insurance is a vital, necessary aspect of a long-term financial plan. Insurance may not be as exciting to the average person as investments, but it can certainly help a household maintain some financial equilibrium in a crisis, and it also can become a crucial part of estate planning.

T. Lloyd Worth may be reached at:
(303) 558-0214
or by e-mail at:
Lloyd.Worth@LPL.com
WorthFinancialPartners.com



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 (www.finra.org / www.sipc.org)

Citations.
¹nerdwallet.com/blog/insurance/disability-insurance-explained/ [6/27/16]
²tinyurl.com/knroq9u [3/27/17]
³hebalance.com/irrevocable-life-insurance-trust-ilit-estate-planning-3505379 [3/21/17]


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

Worth Financial Partners

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Offered by Poulson Family Dental

It’s summertime and kids are out enjoying their freedom from school. We hope that you have a great summer enjoying time with family and friends, yet back-to-school is just around the corner and there are several schools in our area that are in desperate need of supplies each and every year.

This summer, Poulson Family Dental is gathering donated supplies to distribute to our local schools. We would love your help and support to provide materials for our local elementary schools. While you are out shopping, please pick up some extra supplies and bring them over to our office at 481 S. 8th Ave, Brighton (near Brighton High School). We will deliver the collected supplies to the schools prior to the start of the school year. Some much needed items include: lined paper, notebooks (both college lined and regular), pencils, erasers, pens, colored pencils, folders, pencil holders, trapper keepers, backpacks, school glue, kleenex tissue and other arts and crafts supplies.

Thank you for giving back with our school supply drive. A small investment in our children today, will bring great returns for all in the future!

Click here to view Poulson Family Dental on The Brighton Buzz Business Directory

Poulson Family Dental

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Offered by Jan Giuliano, Academy Mortgage – The Giuliano Team

The Giuliano TeamIn this world of hi-tech gadgets and systems that can help you get just about anything and everything your heart desires, the one thing that technology hasn’t done is help you save money. There are easy ways to spend it. There are systems to keep track of it, and maintain it. Yet in this world of instant gratification there is nothing instant about saving money; nothing to shorten the time it takes to achieve your goal.

However, you’ll never achieve any goal without starting.

  1. Figure out your net income per month. That’s the amount after all the deductions like taxes are taken out, or another way to say it is “your take home pay.”
  2. Do you know how much you spend on food, clothes, entertainment or your (total) car expenses? Make a list of categories, do your homework, and calculate how much you spend. You can find this from the card or bank statements you get each month. Once you have the categories, you can calculate per category per month and total expenses per month.
  3. What’s your goal? If it’s to buy a house then subtract your total expenses from your total net income. If there is money left over you have money to work with. If not, then you need to see where you’re over spending and see what you can cut back on or totally eliminate.

We have a budget form that might help you get organized so please contact Frank, Jan or Mitch today at 720-636-2409 or 720-636-2410.

**Please consult professional financial advisors for much more extensive advice.

Click here to view The Giuliano Team at Academy Mortgage Corporation on The Brighton Buzz Business Directory

The Giuliano Team at Academy Mortgage Corporation

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Offered by Jan Hepp-Struck

Hepp RealtyThere are a myriad of things to do before you are ready to sell your home. Some are less obvious than others and can easily slip through the cracks, like “googling” your address to see what information is out there about your home. Why you ask? According to the National Association of Realtors, nearly all buyers – an estimated 90% – search online during their hunt for a home. Knowing what prospective buyers are seeing helps you and your realtor understand the kinds of concerns prospective buyers may have, and proactively address them to position your home in the best way possible.

If you’ve never googled your address, it could be a little shocking… Expect to see pages and pages of indexed “facts” about your address, from estimated value by the wide array of real estate listing directories, to real estate records, people who are listed as residing there, voter records, and a whole lot more.

Once you’re past the shock of the monumental amount and quality of info, sort through the melee and figure out what’s helpful and what’s not. First, note the estimated value of your home on the various listings, especially if it’s very different from your listing price. Figuring out the cause of the difference allows you to address it in your actual listing. It could be you’ve made improvements not shown, or incorrect tax assessment records, etc. Don’t worry, much of it is fixable.

Second, look closely at the photos available online as they may be the first view potential buyers get. If you’ve made improvements since the streetview photos were taken you can address it in your listing and the photos you provide.

For proven expertise in establishing your home value and/or searching for a new or existing home, please call Jan at (303) 520-4340.

Click here to view Hepp Realty on The Brighton Buzz Business Directory

Hepp Realty | Five Home Improvements With the Greatest ROI

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Offered by Dolan & Associates, P.C.

Here are the top 10 common mistakes people make before they die:

Do Nothing to Prepare for Death. The biggest mistake you can possibly make related to estate planning is to do nothing. There is a 100% chance that you’re going to die! Do something to prepare for it!

Don’t Update Your Plan. Failing to keep your estate plan up-to-date with changes that occur over your lifetime can cause serious problems upon death. Have your estate plan updated regularly to determine if it is still accomplishing your objectives.

Rely on Free Advice. Listening to well-intended friends or financial advisors to determine how to plan for your death is dangerous. Seek the advice of experienced, trained legal professionals when making important estate planning decisions. What your best friend learned on an infomercial is unlikely to be solid advice.

Fail to Coordinate Advisors. If you rely on a financial advisor or tax advisor to assist you with your finances, it is critical that you insist that your advisors work as a team for your best interest. Not having them on the same page may result in conflicting advice that can be worse than no advice at all.

Don’t let your family be the horror story everyone talks about when they get together for coffee. Take the steps necessary to avoid these common mistakes so that things will go smoothly after you die.

Tune in to next month’s Brighton Buzz for more of the Top 10 Mistakes People Make Before Dying and be sure to visit: www.EstatePlansThatWork.com for additional resources.

Dolan & Associates

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Dolan & Associates | Estate Plans

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Offered by Dr. Jim Campbell

Freedom means different things to different people. Our thoughts about freedom change with our years and circumstances. Certainly, at this time of year, we are grateful for the freedoms that we celebrate on the Fourth of July. They are the most important freedoms governing our lives. But other desires for freedom influence us, too.

Can you really enjoy the Fourth or any other celebration if you’re continually suffering with debilitating or nagging pain? Pain takes away any possibility of joy in your life. You can’t fake being happy if you hurt. You know this if you’ve tried putting on a brave face at a party or event. If you are looking for a new or better job, you literally can’t afford to telegraph your pain to an interviewer. If you appear in family photos at a wedding or reunion this summer, you don’t want to see yourself captured in pain. And you certainly can’t enjoy all the outdoor activities our beautiful state of Colorado offers in the summertime if you are hurting!

We know pain wears you down. After a while, aren’t you just sick of medications and over the counter remedies wearing off and not working? What you are taking does not address the underlying conditions that cause your pain. At Beyond Basic Health, we excel at discovering your underlying issues that cause your pain. We fix your foundation. You get freedom from your pain.

How can we claim that? With 34 years in Chiropractic practice, 13 years in leading edge Cold Laser therapy and tens of thousands of patients helped, we know how to assess and address your pain. While the approach we use in combining high tech non-invasive Cold Laser Therapy with tried and true gentle hands on therapy may be new to you, your pain is not new to us. We know how to get you out of pain fast!

Call us. What do you have to lose… But your Pain?

And to address the flip side of being in actual physical pain in your body, we have extended our Cold Laser expertise to include addressing the pain you feel ABOUT your body. See our ad on page 33 in the August issue of The Brighton Buzz for our revolutionary non-invasive, painless, fat emulsifying, body contouring Zerona™ Z-6 Laser.

We know pain can be physical and emotional. When it comes to your body, we are here to help you.

Call for your FREE CONSULTATION with us. You are unique, we don’t do “cookie cutter” treatment plans. We decide about treatments WITH you not FOR you. DON’T LIVE WITH PAIN

Click here to view Beyond Basic Health on The Brighton Buzz Business Directory

Beyond Basic Health

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Offered by Melissa Rippy – Rippy Agency / Allstate

Don’t forget to mark your calendars and join us for a client appreciation event at Donelson Park, Sunday July 30th from 1:00 until 4:00 p.m. The Rippy Agency is a locally owned and operated small business, and we are partnering with the Shields Petersen Group, a Colorado real estate company, to host this family friendly event that is free to the public.

Dear Marsha BandWe are excited to share music from one of Colorado’s hottest local bands, Dear Marsha! With over 1,100 performances and over 20 years together under their belt, Dear Marsha is a well-oiled rock & roll machine that plays upbeat, energetic rock tunes and has become known as “The band that has too much fun.” They have played all over Colorado and other regional states, in addition to shows in Europe and Scandinavia. They have developed a major following with their fans knows as “Marshans”. With an impressive cover song list in addition to their original music, Dear Marsha attracts and keeps the attention of any crowd.

In addition to our awesome live music, we will have a bounce house, a balloon artist, bubbles, games and lots of fun for everyone. We have local businesses Longmont Dairy, Juggernaut Fabrication, Skull & Stones, Happy Healthy Human and more joining us to share their products and services. We are also working with a local karate club to offer demonstrations on the day of our event.

Please RSVP at: www.facebook.com/events/302657610189117 for food and updated event information.

Click here to view Melissa Rippy, Rippy Insurance on The Brighton Buzz Business Directory

Melissa Rippy, Rippy Insurance

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Offered by Mike Dahl, Remax Momentum

Hello neighbors! It’s July and the Real Estate market is in full swing! There are a lot of things happening in the market that most people do not know of yet and I hope to answer some of the questions you have in this article.

Remax MomentumThe market is changing, and for better or worse, it is happening. When considering the sale of your home, you want to make sure you are consulting with a broker that has extensive local knowledge and the experience necessary to help you get the most out of your home sale. To date, we are experiencing higher inventory month over month. We are also seeing the days on market increasing month over month.

These important changes make the whole experience of buying and selling a different process than the past couple of years.

There are many studies that prove that over-pricing a home is the first mistake many sellers make when first listing their home. So when the time comes that you need to have questions answered about your possible sale, there is no one more qualified than a local broker with experience. Choose a broker who will get the right information and help you negotiate a top price for the sale of your home. That broker should have local sales knowledge and sales to back up his/her opinion of what the correct home price should be.

In my humble opinion, local is always better and I’m more than happy to help or answer any of your real estate questions!

Happy Summer and Happy Selling!

Click here to view Mike Dahl, Remax Momentum on The Brighton Buzz Business Directory

Mike Dahl, Remax Momentum

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Offered by Arlene Castro, iGo Realty

Green Ideas For The Colorado Homeowner

iGo RealtySaving energy is on everyone’s mind these days. But with the Dog Days of Summer upon us, keeping our homes comfortably cool can really hike up those energy bills. Fortunately, there’s a lot we can all do to stay cool and keep those bills as low as possible. Here are some ideas:

Ceiling Fans – These fans use only about as much power as a 100 watt light bulb. When used properly, ceiling fans can save you money in utility bills in both summer and winter.

Close the Draperies – Our strong Colorado sun is beautiful, but can quickly heat up a room. Do what you can to keep the sun out of a room by closing shades and draperies. Depending on the window location, you may want to consider installing an outside awning.

Limit Oven Duty – Nothing is more energy efficient for cooking than your microwave, and won’t warm the room like an oven. It also uses two-thirds less energy than your stove. The summer is perfect for enjoying Colorado’s great outdoors…so why not cook more meals on the grill?

Solar Control Window Films – Applied to existing glass on windows and doors, these window films do much to reduce the level of heat coming in through the glass.

Insulate – If the existing insulation is R-19 or less, consider taking it to a level of R-30.

Air-Conditioning tips: Clean or replace filters at least once a month. Install a smart thermostat to help with setting times for cooling.

No A/C try this: Keep windows and doors closed during the hottest hours of the day. Consider installing a whole house ventilating fan in the attic or in an upstairs window. With the window open it will pull cool air through the home.


iGo Realty

July 4th Fun Facts:

  • The average age of signers of the Declaration of Independence was 45.
  • The lead author of the Declaration of Independence was, Thomas Jefferson (33)
  • The youngest signer was Thomas Lynch, Jr (27) The oldest signer was Benjamin Franklin (70)
  • The only two signers that later became President of the United States were Thomas Jefferson and John Adams. Both John Adams and Thomas Jefferson died on the same day July 4th, 1826 on the 50th anniversary of the Declaration of Independence.
  • Every 4th of July the Liberty Bell in Philadelphia is tapped (not rung) thirteen times in honor of the original thirteen colonies.
  • There were an estimated 2.5 million people living in the newly independent nation in 1776. The estimated U.S. population in 2013 was 315 million.

Click here to view i Go Realty on The Brighton Buzz Business Directory

i Go Realty