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Offered by: Dawn Dycus, M.D.~ Brighton Pediatrics, PC

Dr. Abby Hughes

Brighton Pediatrics would like to welcome Dr. Abby Hughes! Our office is very excited for her to start seeing patients on September 8th. Dr. Hughes is a graduating resident from the pediatric residency program at The Children’s Hospital at SUNY Downstate, located in New York. Prior to her residency, Dr. Hughes first attended the University of Texas in Dallas for her undergraduate degree and then the University of Texas Southwestern Medical Center for medical school.

Dr. Hughes is originally from Texas. We are fortunate that she has chosen Colorado and the Brighton community as her home. She notes that, “Kids have always captured my heart – they’re fun, honest, and curious. They smile and laugh through all sorts of difficulties and bounce back quickly from hard times. It is an honor to impact the life of a child or teenager.”

Dr. Hughes loves watching children grow up while advocating, celebrating, and fostering healthy habits to set the stage for lifelong wellbeing. Her passion is walking with parents through the journey of parenthood and teaming up with them to provide the best medical care possible. Dr. Hughes particularly enjoys managing obesity and adolescent care. She is very excited to be joining our practice!

Please join us in welcoming Dr. Hughes to our oce and the Brighton community! To schedule an appointment with Dr. Hughes, contact our office. Once again, welcome Dr. Hughes!

Please visit our website at www.brightonpeds.com.

Brighton Pediatrics

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Offered by: Magi McEntire

Many investors are looking to build a portfolio that reflects their socially responsible values, while giving them the potential for solid returns. That’s where SRI Investing, Impact Investing, and ESG Investing may play a role.

In the past, some investors regarded these investment strategies as too restrictive. But over time, improved evaluative data and competitive returns made these strategies more mainstream. Even though SRI, ESG investing, and Impact Investing share many similarities, they differ in some fundamental ways. Read on to learn more.¹

ESG (Environmental, Social, and Governance) Investing

ESG Investing stands for environmental, social, and governance investing. The model assesses investments based on specific criteria, such as ethical business practices, environmental conservation, and local community impact. The popularity of ESG investing has grown: in the United States alone, there are more than 350 ESG mutual funds and exchange-traded funds (ETFs) available. Just a decade ago, there were only 100 ESG funds.²`³`⁴`⁵

SRI (Socially Responsible Investing)
SRI uses criteria from ESG investing to actively eliminate or select investments according to ethical guidelines. SRI investors may use ESG factors to apply negative or positive screens when choosing how to build their portfolio. For example, an investor may wish to allocate a portion of their portfolio to companies that contribute to charitable causes. In the U.S., more than $46.5 trillion are currently invested according to SRI strategies.  This is an increase from the $12 trillion invested in SRIs by the end of 2017.⁴`⁵`⁶

Impact Investing
Also known as thematic investing, impact investing differs from the two above. The main goal of impact investing is to secure a positive outcome regardless of profit. For example, an impact investor may use ESG criteria to find and invest in a company dedicated to the development of a cure for cancer no matter the outcome of that investment.⁵`⁶

The biggest takeaway? There are plenty of choices to keep your investments aligned with your personal beliefs. No matter how you decide to structure your investments, don’t forget it’s always a smart move to speak with your financial professional before making a major change.

Magi McEntire can be reached at 303-558-0214 or Magi.McEntire@lpl.com.

¹Vanguard.com, June 14, 2019
²Investing in mutual funds is subject to risk and potential loss of principal. There is no assurance or certainty that any investment or strategy will be successful in meeting its objectives. Investors should consider the investment objectives, risks, charges, and expenses of the fund carefully before investing. The prospectus contains this and other information about the funds. Contact the fund company directly or your financial professional to obtain a prospectus, which should be read carefully before investing or sending money. ³Exchange-Traded Funds (ETFs) are subject to market and the risks of their underlying securities. Some ETFs may involve international risks, which include differences in financial reporting standards, currency exchange rates, political risk unique to a specific country, foreign taxes and regulations, and the potential for illiquid markets. These factors may result in greater share price volatility. ETFs that focus on a small universe of securities may be subject to more market volatility as well as the specific risks that accompany the sector, region, or group. An ETF’s trading price may be at a premium or discount to the net asset value of the underlying securities.
⁴Morningstar.com, April 20, 2020
⁵USSIF.org, April 15, 2020
⁶Asset allocation is an approach to help manage investment risk. Asset allocation does not guarantee against investment loss.

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG, LLC, is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2020 FMG Suite.

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Offered by: New You Brighton Cryo-Skin Spa

Cryotherapy is the science of exposing the body to sub-zero temperatures in order to stimulate multiple wellness benefits by cooling the skin just enough to kill fat cells whilst improving the quality of your skin. No suction, no surgery. Just incredible results.

Along with the cryo we end every treatment with our shockwave system! The shockwave is an acoustic radial wave therapy. It will stimulate the fat breakdown that we just created with the cryo and help produce better results. We are able to do a 360 3D scan of your body measurements for those who get packages to show your progress from the beginning so we can reach your end goal.

Call today for a free consultation. New You Brighton is excited to serve the needs of the area for body slimming/toning and to become a new member of the downtown business community.

We look forward to meeting you!

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

The year of 2020 has changed the way we go about our every day. I have been on this beautiful Earth for over 44 years and I have never seen anything like the COVID-19 pandemic in my lifetime. We have had countless clients that have been laid off, furloughed or just lost their jobs all together. As an insurance agency, we have been working with our clients to find a manageable way to help them make temporary policy changes until they can get back on their feet. We have all fallen on tough times, and this is just another way we are here to help.

The way we all envisioned a school day has changed for our kids, their teachers and our families. Some schools have hybrid models where you can attend in person, attend via virtual learning or through home schooling.

No matter what your family decides for schooling, let me offer this:

When a friend says they are sending their kids back to school, our response is, “Man! I am so proud of you! I know that wasn’t an easy choice to make.”

When a friend says they are doing virtual learning with their kids, we say, “Man! I am so proud of you! I know that wasn’t an easy choice to make.”

When a friend says they are home schooling their kids, we say, “Man! I am so proud of you. I know that wasn’t an easy choice to make.”

We are in this together, one day at a time. If we can help in any way, just let us know. #WeAreBrighton

Allstate Rippy Insurance

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Offered by: Integrity Insurance

Did you know that much like other insurance coverage, it can be beneficial to review Medicare coverage annually?

  • Make a note, October 15 – December 7, Annual Enrollment Period
  • Update your medications, your costs next year depend on the formulary for your plan.
  • Make a list of questions you have about your coverage.
  • Check the benefits of your current coverage –
    • Schedule preventive care soon to avoid delays near year end.
    • Are you maximizing rewards and benefits you get with your current coverage? (often benefits are left unused or unclaimed)
  • Is there coverage you are missing or may want for the coming year?
  • Watch for the Annual Notice of Changes – (For Medicare Advantage and Prescription Drug Plans) – Review changes in coverage or costs
  • Did you have a surprise that you were not expecting after the last Annual Enrollment Period, plan to avoid that this year!
  • If you have Plan C, Plan F or High F, Colorado regulatory changes offer you options you may want to learn about for 2021.
  • Just simply want to gain knowledge and understand Medicare better?
  • Schedule a one-on-one visit, no cost and lots of great information available.

Call today, 303-887-8584, request a no obligation review of coverage! Lisa Asmussen is an independent Medicare Broker. Find Lisa on Facebook and online at: www.insure-integrity.com/lisa

Socially distanced appointments are available in person, by phone and virtually.

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Offered by: Jan Hepp-Struck, Hepp Realty

You’ve made the decision to sell your home, you’ve got a buyer ready to purchase, and you’ve accepted their offer—the last thing you want is for something to go wrong with the inspection and have it negatively impact your appraisal, cause delays, or otherwise jeopardize the deal. Here are the top  five things that can have a serious impact on the appraisal but are easy to be proactive about prior to putting your home on the market.

HVAC System:  The average lifespan of a heating/cooling system is 12-15 years. How old is your HVAC unit? Have you noticed fluctuations in temperatures, stuffiness, or drafts? What’s the condition of your duct work? When was the last time you had your system serviced?

Electrical: Have you noticed any dimming or  flickering in your lights, or any sparks when plugging or unplugging things. You might also consider upgrading any outlets located within six feet of water to ground circuit interrupter (GFI) outlets.

Roofing: How old is your roof? Are there any cracks, leaks, or missing shingles?

Mold: We live in an arid climate and while mold is not common, it can occur and it’s best to get a mold inspection to make sure there isn’t any lurking in dark spaces, not only for your inspection, but also for the health and wellbeing of you and your family.

Windows and Doors: Are they operating correctly? Do they have any visible defects? Make sure that all caulking and weather stripping are in good repair.

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

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Offered by: Trinity Orthodontics

Something exciting is now available in Brighton. Trinity Orthodontics recently purchased Dr. Sabott’s orthodontic office on 4th Avenue. Dr. Sabott is staying on as an associate, and all the things patients love about the office will remain the same. Dr. Bryan Nelson, orthodontist and owner of Trinity Orthodontics also has offices in Arvada, Thornton and Broomfield. Dr. Nelson brings advanced digital case planning and management to the Brighton marketplace.  This means patients can affordably get a perfect smile, in a short amount of time, using clear removable aligners.

Dr. Nelson has been in practice since 1993 and is a pioneer and expert in digital case planning. He started using computer aided treatment planning years ago; before Invisalign was popular. As Invisalign made advancements and perfected treatment with aligners, Dr. Nelson partnered with them. He’s now treating most of his cases with Invisalign, with incredible results, in just 12-16 months!  The Trinity F.A.S.T. System – Fewer Appointments Straight Teeth, reduces the soft costs and time o needed for treatment. Using virtual appointments, Dr. Nelson can manage patients with minimal in-person appointments, yet with remarkable results. This method is Covid-19 friendly and Trinity practices social distancing and all CDC
safety guidelines for in-person appointments.

For a limited time Trinity is offering $1,500 of full Invisalign treatment! This is the biggest discount ever offered. Trinity Orthodontics Brighton is here to give you the smile you’ve always wanted. We look forward to meeting you!

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Offered by: Jennifer Bell – Bell Benefits, LLC

When a person turns 65 and already has health insurance, it can be really complicated to figure out what is required when you’re looking at Medicare.

You might have another type of health coverage like Employer Health Coverage, Retiree Coverage, COBRA, VA Benefits or an individual health plan when you turn 65. Each plan comes with a different set of rules and it’s important to understand your particular situation.

First, let’s talk about the term “credible coverage.” Medicare uses this term for your “other” types of health insurance. If you don’t have credible coverage, you need to have Medicare Parts A, B & D to avoid unwanted penalties.

Credible coverage is insurance that can take the place of Medicare without you incurring a penalty.  There seems to be one main form of credible coverage in the eyes of Medicare.  This is the employer coverage you have from either your own or your spouse’s active employment (one of you is still working).

Not all employer health plans are credible but most are. It is best to check with your HR department to confirm.

If coverage is not credible, then you would need to have both Medicare Parts A, B & D in place to avoid incurring a penalty later in life.

If you have the following types of health coverage, you will also need Medicare in place to avoid a penalty on Parts B & D: most COBRA plans, Retiree Coverage, Veterans Administration benefits, or Individual Health Insurance.

An interesting point, although VA benefits are not credible coverage for Part B, they are credible coverage for Part D.

I’m happy to help you sort out your personal options.

Jennifer Bell | Bell Benefits

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Offered by: Susan Kline – The Brighton Buzz

Susan Kline

One of the most common conversations I’ve had in recent days is that people feel as if they’re in a seemingly never ending state of “not knowing”. Not knowing how to move forward with their business, not knowing what’s best for their children when it comes to going back to school, not knowing how long we’ll be living in a fear of contracting coronavirus, or not knowing how or with whom we’ll improve the condition of our country. For those of us who like to plan ahead, we’re grinding our gears in an effort to plan much further than tomorrow.

Something else that’s universally agreed upon is that we’re tired of living in this chaos. So what do we do to find clarity in our lives during these chaotic times? For me, it’s always helpful to create a routing of activities no matter how they differ from earlier days. This eliminates the constant effort to figure out what to do daily. You can accomplish so much more this way. And, if circumstances continue changing, you’ll know how to adjust next time.

Also understanding we can only live one day at a time makes it easier to not enlarge the big ball of loose ends from this “not knowing period”. Celebrating accomplishments, no matter how small, makes every one of these days seem like building blocks to our eventual more secure future.

These “for what it’s worth” comments will hopefully offer some consolation you’re not alone in these thoughts and we’re all struggling together!

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Offered by: Scott & Lora Nordby – Berkshire Hathaway HomeServices

For many, buying or selling a home will count as one of the most important financial decisions of their lives. Most everyone can agree that 2020 is one of the most unpredictable years that anyone can remember. The local real estate market started out hot early in the year but slowed to a crawl during the early days of the pandemic. There were still plenty of transactions happening, however, many people stayed in hover-mode while we watched the changes in the economy play out.

While the Colorado “Safe at Home” order was in place, there was speculation about the potential fallout of the pandemic in the real estate market. For many people, the fear of a 2008-like crash was concerning enough to keep them out of the market. However, by June, as things began to reopen, there were still major signs of life as buyers and sellers scrambled to get their homes bought and sold quickly. What people are finding is that there is still record low inventory, competitive bid situations, and higher listing prices in almost every price range.

What does that mean for those who are waiting or uncertain about whether the time is right to make a move? It means that it’s never been more important to talk with a REALTOR® who is available to assist and knowledgeable about the current market conditions. A full-time, active real estate professional will be adept at handling multiple-bid scenarios.  ey will also be adept at keeping your transaction on track so you can have the peace of mind, knowing you’ve got someone you trust representing your best interests.

If you’re considering buying or selling a home, call us at 303-905-8850. We’ll make sure you talk with someone who is knowledgeable about real estate and your neighborhood so you can make the decisions that are best for your family.