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Offered by Brian Holley – Farmers Insurance

Our children are the future of our country and our society. The families and homes of our community have always been, and always should be, the shelter from the “storm” of chaos which assaults the character and values of our children.

Outside of our homes, on the front lines in the fight to build the fabric of our society, are the teachers of our future: the children of this world.

Whether working in Public, Private or Charter schools the teachers of our children work hard to help educate and inspire the future adults of our society. They deserve our deep respect and support.
At times, our communities look for leadership. Solutions to our current and future problems are somewhere out there, but we need the genius and aggressiveness of our youth to overcome obstacles and find needed solutions. These solutions will come through ideas, inventions and a lot of hard work when they are applied to solve our communities’ problems.

Our teachers are there to help show our youth how to learn, be disciplined, and gather the information they need to excel in our country. And when they succeed, in turn, our country and communities will and do succeed.

Farmers InsuranceAs our teachers prepare and build leaders to usher in the future, we must take upon us the responsibility of aiding them in the education of our children. The students must have a solid foundation of learning along with faith in their abilities to find the answers they will be looking for in the future.

I would like to take this opportunity to personally thank and give my appreciation to all teachers, volunteers and parents, everywhere who help make our community the wonderful place it is.

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

A Little About Earwax | Blue Ribbon Hearing & Tinnitus CenterHaving earwax is not necessarily a sign of poor hygiene, and a healthy ear canal will always have some wax. Earwax, also called cerumen, is a combination of natural secretions from glands in the ear canal combined with exfoliated skin. Wax is an important part of a healthy ear and a natural defense against foreign material such a dust and insects, and provides some protection against fungus and bacteria.

When working correctly, the ear cleans itself as the skin inside the ear canal grows outward carrying wax and trapped material to the concha where it can be wiped out. This natural cleaning can be hampered by narrow ear canals; dusty, dirty environments; excessive ear hair; and putting objects in the ear, such as q-tips, foam ear plugs, or hearing aids. Using cotton swabs and other objects to attempt to remove wax is discouraged as it is dangerous and usually pushes wax deeper, causing it to become impacted, leading to hearing loss.

Excessive or impacted wax can also trap water leading to temporary hearing loss or infection. When wax becomes impacted, it may become necessary to have it removed by a professional. Over-the-counter solutions are available, but should only be used after the ear canal is inspected. At Blue Ribbon Hearing, we use a video otoscope to display the inside of the ear on a monitor to check ear canal health and see if a problem with wax buildup exists. After inspection, we recommend a specific course of action for each individual.

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

Blue Ribbon Hearing

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Offered by Melissa Rippy, Allstate Rippy Insurance

On Wednesday, December 27th, 2017, my heart was absolutely broken when my dad, Jeffrey Kriss Rippy, lost his valiant battle to Acute Myleoid Leukemia after having just been diagnosed in September.
In August of last year, my parents and I met in Boston and spent the week together. We devoured history, authentic clam chowder, Boston Cream Pie and took in a tour of Fenway Park. We had a dinner cruise in the East Bay, took an architectural bus tour that left us in awe and Dad and I were even blessed to see Rod Stewart perform live.

Shortly after my father passed, I was standing in line at Walmart. I observed an older man who was telling his granddaughters they “couldn’t have a thing” and that he “wouldn’t even spend 50 cents on them.” I found myself starting to cry, right there in line.

I actually wondered in that moment why that man wasn’t taken instead of my dad. You see, my dad fought like hell to live and loved each and every day he was given. He was married for 45 years, had three children and several grandchildren. His legacy will live on through all of us but my days and nights will never be the same.

My dad used to ask me, “How do you eat an elephant?” The answer is, “One bite at a time.”

I love and miss you, Dad. The Rippy Agency will always be proud to bear and honor your name.

In Loving Memory | Melissa Rippy

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

Melissa Rippy, Rippy Insurance

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

As you may know, I offer a personalized approach to concealed carry training that includes my coming to you. I say “personalized” because not every person needs or wants the same type of training. Some have no experience with firearms and require the full workshop, while others just want to get the basic training required to apply for their permit to carry. Yet others may only want someone to work with them safely at the range (live fire).

New for 2018 are new classes requested by basic training graduates and lower cost per person rates for groups of 4 or more (ex. $50 per person basic). These new offerings are all valuable, whether or not you carry, cover in depth situational awareness, home defense (entire household may attend) and even trauma care to stop bleeding. In addition, the concealed carry workshop can now be taken separately or at same time as basic training.

Exclusively for Brighton Buzz readers in February is a “sweetheart of a deal” BOGO special: Buy one class (at full price) and get one FREE on any of our classes. This allows 2 people to attend the same class at same time for the price of 1.

For more information, call or text me at 303.548.4646 and please visit my website at:

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

New Concealed Carry Class Offerings

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Offered by: Libby Smith, 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.

Long Term Capital Gains
In 2017 taxpayers in the lower tax brackets (10 and 15 percent) pay zero percent on long-term capital gains. For taxpayers in the middle four tax brackets the rate is 15 percent and for taxpayers whose income is at or above $418,400 ($470,700 married filing jointly), the rate for both capital gains and dividends is capped at 20 percent.

Individuals – Tax Credits
Adoption Credit
In 2017 a nonrefundable (i.e. only those with a lax liability will benefit) credit of up to $13,570 is available for qualified adoption expenses for each eligible child.

Child and Dependent Care Credit
The child and dependent care tax credit was permanently extended for taxable years starting in 2013. If you pay someone to take care of your dependent (defined as being under the age of 13 at the end of the tax year or incapable of self-care) in order to work or look for work, you may qualify for a credit of up to $1,050 or 35 percent of $3,000 of eligible expenses.
For two or more qualifying dependents, you can claim up to 35 percent of $6,000 (or $2,100) of eligible expenses. For higher income earners the credit percentage is reduced, but not below 20 percent, regardless of the amount of adjusted gross income.

Child Tax Credit
For tax year 2017, the child tax credit is $1,000. A portion of the credit may be refundable, which means that you can claim the amount you are owed, even if you have no tax liability for the year. The credit is phased out for those with higher incomes.

Earned Income Tax Credit (EITC)
For tax year 2017, the maximum earned income tax credit (EITC) for low and moderate income workers and working families increased to $6,318 (up from $6,269 in 2016). The maximum income limit for the EITC increased to $53,930 (up from $53,505 in 2016) for married filing jointly. The credit varies by family size, filing status, and other factors, with the maximum credit going to joint filers with three or more qualifying children.

Individuals – Education Expenses
Coverdell Education Savings Account
You can contribute up to $2,000 a year to Coverdell savings accounts in 2017. These accounts can be used to offset the cost of elementary and secondary education, as well as post-secondary education.

American Opportunity Tax Credit
For 2017, the maximum American Opportunity Tax Credit that can be used to offset certain higher education expenses is $2,500 per student, although it is phased out beginning at $160,000 adjusted gross income for joint filers and $80,000 for other filers.

Employer-Provided Educational Assistance
In 2017, as an employee, you can exclude up to $5,250 of qualifying post-secondary and graduate education expenses that are reimbursed by your employer.

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 Geoff Nelson, Brighton Family Counseling

How would you finish this statement? Love is… During this month of February, many of us will try to define love in one way or another. And upon reflection, we may think about some of the relationships in our past or present. It is difficult to pin down in a few words a working definition of love. It means so many things to different people. But it can be a healthy exercise to make the effort to find the words that define love for you. Then share your thoughts with those you love and see how your feelings and behaviors line up.

Many times what we expect and what we give may be incongruent. So during this month take advantage of love themes that are out there and be intentional about your own needs and desires. Remember, any time you aim at nothing you are sure to hit it, so be specific and express what you long for. You may be surprised by what happens.

If you are stuck in a loveless relationship or are struggling to rekindle your love, then check us out. At Brighton Family Counseling LLC, we are experts at helping you find the love you long for. Check out our ad for this month’s specials. You can also check out our website and contact us about setting up an appointment today!

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

Brighton Family Counseling

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Certified Public Accountant, Masters of Business Administration, Masters in Professional Accountancy/Taxation
Offered by: Gary L Hulett, CPA

Gary L. Hulett, CPA | Brighton CPAMy mission has always been the same: I started my tax preparation practice in 2010. My clients trust me to provide the best tax preparation at an affordable and fair rate. I am professional, experienced and trustworthy. I work hard to give you the best tax preparation and QuickBooks services.

But it’s important to me that my clients get the benefits of better service without paying more. My commitment is to excellence without inflated price, and that’s why I pride myself on a history of being the fair-value option among my competitors.

I’ve built my business on a simple model: provide my clients with top quality, but not the usual high price tag; let my clients refer me to others; and maintain a network of people who know me and keep coming back. That’s why I don’t need to charge that extra fifteen percent. It’s a model that’s worked for me since the beginning, and I’m glad to pass on the benefits to you. Looking ahead, I am dedicated to remaining your fair-value alternative for years to come. I welcome the opportunity to speak with you and add you to my family of happy small business tax and accounting and personal tax clients.

Gary L. Hulett, CPA

Click here to view Gary L. Hulett, CPA on The Brighton Buzz Business Directory

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Why do so many people choose it rather than a traditional IRA?
Offered by T. Lloyd Worth, Worth Financial Partners

The Roth IRA changed the whole retirement savings perspective and has become a fixture in many retirement planning strategies. There is, however, a trade-off when you open and contribute to a Roth IRA.

You contribute after-tax dollars. In exchange for paying taxes on your retirement savings contributions today, you could potentially realize greater benefits tomorrow.¹

You position the money for tax-deferred growth. Roth IRA earnings aren’t taxed as they grow and compound. If, say, your account grows 6% a year, that growth will be even greater when you factor in compounding. The earlier in life that you open a Roth IRA, the greater compounding potential you have.²

You can arrange tax-free retirement income. Roth IRA earnings can be withdrawn tax-free as long as you are age 59½ or older and have owned the IRA for at least five tax years (qualified distributions), and may be made to you during your lifetime or to a beneficiary after you die. (If you happen to die before your Roth IRA meets the 5-year rule, your beneficiary will see the Roth IRA earnings taxed until it is met.)¹,³

If you withdraw money from a Roth IRA before you reach age 59½ or have owned the IRA for five tax years, that is a nonqualified distribution. In this circumstance, you can still withdraw an amount equivalent to your total IRA contributions to that point, tax-free and penalty-free. If you withdraw more than that amount, though, the rest of the withdrawal may be fully taxable and subject to a 10% IRS early withdrawal penalty as well.²,³

Withdrawals don’t affect taxation of Social Security benefits. If your total taxable income exceeds a certain threshold – $25,000 for single filers, $32,000 for joint filers – then your Social Security benefits may be taxed. An RMD from a traditional IRA represents taxable income, and may push retirees over the threshold – but a qualified distribution from a Roth IRA isn’t taxable income and doesn’t count toward it.⁴

You can direct Roth IRA assets into many different kinds of investments. Invest them as aggressively or as conservatively as you wish – but remember to practice diversification.
Inheriting a Roth IRA means you don’t pay taxes on distributions. While you will need to take distributions from an inherited Roth IRA within 5 years of the original owner’s passing, those distributions won’t be taxed as long as the IRA is at least five years old (five tax years, that is).³

You have nearly 16 months to make a Roth IRA contribution for a given tax year. Roth and traditional IRA contributions for a tax year that has passed may be made up until the federal tax deadline of the succeeding year. The deadline for a 2017 Roth IRA contribution is April 17, 2018. Making your Roth IRA contribution as soon as a tax year begins, however, gives that money more time to potentially grow and compound with tax deferral.⁵

How much can you contribute to a Roth IRA annually? The 2018 contribution limit is $5,500, with an additional $1,000 “catch-up” contribution allowed for those 50 and older. (That $5,500 limit applies across all your IRAs, incidentally, should you happen to own more than one.)⁵

You can keep making annual Roth IRA contributions all your life. You can’t make annual contributions to a traditional IRA once you reach age 70½.¹

Does a Roth IRA have any drawbacks? Actually, yes. One, you will generally be hit with a 10% penalty by the IRS if you withdraw Roth IRA funds before age 59½ or you haven’t owned the IRA for at least five years. (This is in addition to the regular income tax you will pay on any Roth IRA earnings withdrawn prior to age 59½, of course.) Two, you can’t deduct Roth IRA contributions on your 1040 form as you can do with contributions to a traditional IRA or the typical workplace retirement plan. Three, you might not be able to contribute to a Roth IRA as a consequence of your filing status and income; if you earn a great deal of money, you may be able to make only a partial contribution or none at all.¹,³

These drawbacks aside, a Roth IRA has remarkable potential as a retirement savings vehicle. With these possible advantages, you may want to open a Roth IRA or create one from existing traditional IRA assets. Your financial advisor will help you evaluate whether a Roth IRA is right for you, given your particular tax situation.

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 [12/21/17]
² – [12/18/17]
³ – [12/22/17]
⁴ – [6/29/17]
⁵ – [12/13/17]

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

Worth Financial Partners

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

February is American Heart Month. Heart disease is one of the leading causes of death in the United States. In fact, one out of every four deaths each year is related to heart disease. At FirstLight™ Home Care, we work with our clients to create individualized care plans that encourage well-being and heart health.

Improve your heart health or that of someone you love. American Heart Month is a great opportunity to let our caregivers help with things such as:

  • Assistance with dressing and hygiene to prepare for doctor appointments.
  • Providing transportation to appointments, rehab or social events.
  • Support and companionship before, during or after appointments.
  • Medication reminders.
  • Shopping for foods that are healthy or those that a doctor has prescribed.
  • Reminding clients to implement care plans from their doctor.
  • Scheduling follow-up doctor appointments.
  • Helping move more, whether going for a walk or just repositioning.
  • Meal preparation according to healthier guidelines.
  • Getting specific heart-related questions answered through our

Just Ask FirstLight™ service.

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: City of Brighton Public Information Office

Big Little Idea | City of BrightonHave you ever driven through Brighton and thought, “wouldn’t it be cool if Brighton did… (insert cool idea)?” Or how about, “if the city would let me, I would do… (insert another cool idea)?” We know our residents have amazing ideas about how to make Brighton a better community to live in and that’s why we want you to help implement those ideas through the City of Brighton’s Big Little Idea contest.

This year, the Big Little Idea contest will award $750 each to four residents, nonprofit organizations or teams, to create and implement ideas to make Brighton a better place to live, work, play and learn. Brighton residents are encouraged to show their love for Brighton through their ideas and seeing them through. In past years, the contest generated a variety of impressive ideas and action from the community.

Winners were selected based on the criteria for originality, connection to the community and creativity. The winners were chosen by a judging panel consisting of two city council members, Brighton Youth Commissioner, and appointed staff

Some past Big Little Idea contest winners include:
• Lisa Garbett, painted three traffic signal boxes.
• Kathy Sholders, coordinated Friends of Barr Lake field trips.
• Boys & Girls Club, built a greenhouse to learn gardening and share the produce with those in need.
• Ed Hawkins, Main Street Creatives and Art Academy, created the downtown elephant mural on Bridge Street.

With 2018 bringing the fourth year of the Big Little Idea contest, the possibilities are endless with what the community will create! If you’re based in Brighton, tell us your Big Little Idea by visiting, or pick up an entry form at the Brighton City Hall Front Desk. Ideas are due by April 1.

Big Little Idea | Brighton