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Offered by: Rachel Eng – Eng Orthodontics

Eng Orthodontics is pleased to share with our community the exciting news that in order to best serve all of the children in our community, we have created a sister-company called Colorado Smiles Orthodontics. This new orthodontic practice will be dedicated to serving the children in our community who utilize Health First Colorado Insurance, Colorado’s Medicaid program.

Eng Orthodontics and Colorado Smiles Orthodontics are both owned and operated by Dr. Albert Eng who is dedicated to continuing excellent patient care for all patients at both orthodontic practices.

Eng Orthodontics will continue serving all of our private insurance and self-pay patients. Dr. Albert Eng will be the orthodontist for all Eng Orthodontics patients at the Brighton and Fort Morgan locations. Dr. Jaanki Patel will be the orthodontist for all Eng Orthodontics patients at our Reunion location.

Colorado Smiles Orthodontics will be serving all of our Health First Colorado patients. Dr. Jaanki Patel will be the orthodontist for all Colorado Smiles Orthodontics patients.

We believe that by having an orthodontic practice dedicated to Colorado’s Medicaid program, it will allow our team to be dedicated experts in Health First Colorado insurance policies which will allow us the ability to work towards having more cases approved for treatment. This will enable more children in our community to access the benefit of quality orthodontic treatment.

Eng Orthodontics and Colorado Smiles Orthodontics are both open and ready for new patients. We have gone above and beyond to ensure that all of our offices are held to the highest level of sterilization and are taking every precaution necessary, ensuring a safe and healthy environment during this time.

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Offered by: Dawn Dycus, M.D. – Brighton Pediatrics, P.C.

Our world today is more diverse than ever, filled with groups of people that have different ethnicities, religions, cultures, genders, appearances, and disabilities. These differences are also more visible now because of access to technology, including TV and social media. This makes it critical to teach our children about kindness, tolerance, and respect.

Why encourage these qualities in children? We want our kids to feel open to learning from others, which in turn enriches us with new ideas and experiences. In order to have a successful future, children need to learn how to work with others. They need to be able to understand, learn from, and appreciate others. Tolerance and kindness mean accepting people for who they are and treating others how you wish to be treated.

Teaching tolerance, respect, and kindness to children is an important part of their development, and the first lessons on these qualities start at home. Some tips to help instill these qualities in your child:

  • Be a good role model – Children learn by watching, so set a good example for them on how to treat others.
  • Create a culture of kindness, tolerance, and respect in your home.
  • Answer your child’s questions honestly and respectfully – Everyone notices differences in people, and it is OK to discuss these differences if done in a respectful way.
  • Expect your kid to treat others well.
  • Involve your children in situations where diversity is present.
  • Learn together about other cultures and traditions.

By teaching your children kindness, tolerance, and respect, you will help them grow into successful, compassionate adults.

For additional information, please visit our website at: www.brightonpeds.com

Click here to view Brighton Pediatrics on The Brighton Buzz Business Directory

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Offered by: Dan & Beth Cochran – The Haven Team, Keller Williams

When you’re house hunting, the allure of new construction is undeniable. You get to be the first to live in a brand new home –untouched by grimy hands or muddy shoes. It’s full of brand-new appliances and with finishes and treatments that you picked to fit your style; and you won’t have to worry about making any cosmetic or structural upgrades for many years.

If you are interested in buying a new construction, the builder’s agent will be ready to help you with the process. But make no mistake: You need your own real estate agent from the get-go. It often seems too easy to sign up for a new build with the builder’s on-site agent; but for your protection, you’re going to want someone representing your side of the deal.

Why you should hire your own real estate agent:

  • Negotiating Extras: Do you want upgraded counters or appliances in your new home? Your agent can help you with all of the extra perks, amenities, and upgrades.
  • Recommending financing: A builder typically will have a “preferred” lender that it will try to steer you to, but your real estate agent can help make sure that you’re getting the mortgage that works best for your situation. Shopping around is always wise, and you don’t want the builder’s agent pressuring you into using their suggested professional –unless it’s right for you.
  • Overseeing a home inspection: Tempted to forgo a home inspection in new construction? Don’t do it! The number and severity of new-home defects often rival resale home problems. The builder’s agent is unlikely to push for repairs or offer up an inspection, so it’s up to you (and your real estate agent) to make it happen.

After all, the job of the builder’s agent job is to get the highest price for the homes that the builder is selling, so the builder’s agent is not going to be as eager to negotiate down; but your realtor can help you with this!

At The Haven Team, we love to assist our new build buyers with this process to ensure that you are represented to get the best quality home for your hard earned money! Please feel free to reach out to us if you would like to learn more.

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Offered by: Jan Hepp-Struck, Hepp Realty

I think we can all agree that this has been a very strange year so far, and certainly nothing like any of us could have imagined. The normal spring flurry of home buying and selling was a complete non-starter thanks to COVID-19. The good news is that as things start to slowly open up again, it appears that opportunity is knocking for those who are serious about selling their home.

It’s a bit of a “perfect storm” of low inventory, near historically low interest rates, tightened regulations for both lending, and also the very process of showing a home, all resulting in very well-qualified and serious buyers. There are, of course, a number of things over and above the normal considerations to think about before deciding to sell during this time, not the least of which is the health and safety of you and your family.

Assuming that none of your family are considered high-risk and you deem it safe to proceed, there are a number of precautions you can take to help reduce the risks from strangers coming into your home. You should discuss the necessary steps, and any concerns you may have, with your Realtor® prior to any showings. A few items to get your list started may include requesting that visitors wear masks at all times while inside your home, that they touch no surfaces, and use hand sanitizer and disposable gloves before entering. Of course, this also means that you’ll need to be sure that all lights are turned on, and that you open all doors and cupboards, so they don’t have to. Definitely consult with your Realtor® to make sure that current showing guidelines are being followed.

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

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Offered by: Michael A. Dolan – Dolan & Associates, P.C.

Congress passed the SECURE Act in late 2019 and the CARES Act in March. These two Acts changed how retirement assets are treated during your life and after your death. Here are a couple of important considerations you should know.

The changes increased the age at which you must begin to take distributions from your retirement plan. You must now begin to take distributions beginning the year you turn 72, instead of the year in which you turn 70 ½. However, if you reached age 70 ½ in 2019, you must take distributions starting at age 70 ½.

You do not need to take a required minimum distribution for calendar year 2020 from most plans. This allows you to leave additional money in your retirement plan. If you don’t need the money to live on, you should leave the money in your retirement plan and not take a distribution for 2020. The financial markets are down and, because of an executive order by President Trump, the IRS was forced to update the mortality tables; which resulted in a reduction in the amount you are required to withdraw in 2021 and every year going forward.

There were also significant changes to how and when your beneficiaries must withdraw the assets from your retirement plan after your death. Anyone who has retirement plan assets should meet with their knowledgeable estate planning attorney to update their estate plan and review how they are addressing their retirement plans. Particularly, if you put specific plans in place for stretching out the income tax deferral related to retirement assets, putting a solid plan in place around handling these types of assets is critical.

If you have questions about these issues, I encourage you to learn about the subject. If you would like to gain more knowledge about available estate planning options, visit: www.EstatePlansThatWork.com to sign up for a complimentary virtual workshop.

Click here to view Dolan & Associates on The Brighton Buzz Business Directory

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Offered by: Kathryn R. Tolison, Esq. & Casey L. Williams, Esq.

We recently celebrated our 7th Anniversary and are so grateful to have had another busy year and many great opportunities to serve clients and our community. While 2020 has been turbulent and nothing we could have ever planned for, we are trying to make the best of the circumstances and have worked very hard to continue to provide award-winning client services. We are continuing to work remotely when possible and have safety procedures in place for in-office meetings, continue to do our best to adapt to the most current policies and recommendations.

The courts across the State have had different policies by district, but generally have been accepting new case filings and have been conducting phone conferences, hearings via Webex and in person hearings for emergency proceedings over the past several months. Since the Courts are not functioning at full capacity, matters are taking a little longer to reach resolution but we are working hard to keep cases moving forward in a steadfast manner by utilizing zoom conferencing and remote mediation services.

We were proud to be sponsoring the Third Annual Senior Law Day for Adams and Broomfield Counties that was scheduled for June 13, 2020, but that had to be canceled due to the pandemic. The Planning Committee had a fantastic new venue lined up, and new workshop topics, sponsorship opportunities, and event components were in the works. We look forward to the 2021 event and will be starting up our Planning Committee meetings again in the fall.

In addition to serving as the Co-Chairperson for Senior Law Day, Casey continues to serve on the Colorado Supreme Court Probate Rules Committee and as the Co-Chair for the Adams and Broomfield Bar Association’s probate section. Katie continues to provide pro bono legal services through Metro Volunteer Lawyers and her work with the Brighton and Commerce City Police Departments as a Victim’s Advocate.

This was a very successful and productive year for our family law team also! Katie was once again selected as a Top 100 Family Lawyer in the State of Colorado from the American Society of Legal Advocates and was acknowledged as providing exceptional and outstanding client service by the American Institute of Family Law Attorneys. With the hard work and support of her fantastic team, Katie maintains an excellent 10 out of 10 AVVO rating-an accomplishment for the family law team she is very proud of.

We are grateful for the continued support and hard work from our team members—thank you Zack, Cindy, Carla, Dana, Sarah, and Randi for your dedication to our team, community, and clients. To our clients and other community partners, thank you for another great year and we wish you a safe and healthy summer and Happy Independence Day!

Click here to view Tolison & Williams on The Brighton Buzz Business Directory

Tolison & Williams

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Offered by: Tim Roberts – Edward Jones

As we go through the coronavirus pandemic, with its constant threat to personal health and its devastating impact on the economy, it can be hard to find a silver lining. But if there is one, it’s that government agencies, private businesses and nonprofit organizations have contributed, in one way or another, to helping relieve some of the stresses – financial, physical or emotional –that many of us are feeling. So, it’s important for you to know what types of help are out there. Here are some of the key areas in which resources are available:

Unemployment – The CARES Act, a major piece of the recent economic stimulus packages, expanded several aspects of unemployment insurance, including eligibility, amount and duration. To learn more about unemployment insurance flexibility during the COVID-19 outbreak, and to find a link to your own state’s unemployment insurance office, visit: https://www.dol.gov/general/topic/unemployment-insurance. You might be able to collect some benefits even if you’re still working. Specifically, if your hours have been reduced, you could receive part of your unemployment benefits as short-time compensation. Your company’s human resources area can let you know if you’re eligible.;

Banking/Credit Cards/Consumer and Student loans – Many financial institutions are offering loan modifications, fee waivers or new lending products to help consumers during this time. To see what’s available, contact your own bank or credit union. Credit card issuers and other consumer loan providers are also offering programs to help borrowers; to learn more, visit these creditors’ web sites or call their customer service lines. And, as part of the CARES Act, borrowers can stop making payments on federally held student loans through Sept. 30, 2020.

Health care – Losing employment often means losing health insurance. If you’ve recently lost your coverage, you may be eligible to participate in the special enrollment period to sign up for an Affordable Care Act (ACA) health insurance plan. Depending on your income, you may be eligible for subsidized health insurance. To see if you qualify for the special enrollment period, or for Medicaid or CHIP (Children’s Health Insurance Program), go to https://www.healthcare.gov/screener/. If you don’t qualify for Medicaid or CHIP and can’t afford health insurance, you may be able to get free or low-cost services at a community health center. To find one near you, go to https://findahealthcenter.hrsa.gov/.

Mortgage – Another provision of the CARES Act allows you to apply for suspension or reduction of your mortgage payment for a limited time if you have a federally backed mortgage (FHA, VA, USDA, Fannie Mae or Freddie Mac). You’ll need to contact your own mortgage service provider to request this relief.

Utilities – Many gas, electric and water service providers are temporarily suspending disconnections of customers unable to pay their bills due to the effects of the pandemic. Also, some utilities are suspending late fee charges. Contact your local utilities to determine the benefits for which you may be eligible.

Telecommunications/Internet – Numerous broadband and telephone service providers (https://www.fcc.gov/keep-americans-connected#pledges) have agreed to temporarily stop terminations and waive late fees for customers facing financial struggles arising from the pandemic.

And some providers (https://www.fcc.gov/keep-americans-connected/above-and-beyond) are also offering other benefits, such as free internet service to students and teachers and increased broadband speeds for customers working remotely.

These are challenging times, to say the least. But by availing yourself of the appropriate resources, you may well be able to make your life easier.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.
Edward Jones. Member SIPC.

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Some individuals believe that return on investment shouldn’t be the only criterion for how they invest their money. For them, the social impact of investing is just as important – perhaps more important.

The history of socially responsible investing stretches as far back as the mid-18th century, but its more-modern form began taking shape in the 1960s, amidst the fight for civil rights and the emerging Vietnam War protests.

More than $12 trillion is managed under sustainable and responsible investing principles.1 This includes mutual funds, endowments, and even venture capital funds. It should be noted that amounts in mutual funds are subject to fluctuation in value and market risk. Shares, when redeemed, may be worth more or less than their original cost. Mutual funds are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

What Is “Socially Responsible Investing?”

The definition of socially responsible investing has evolved. And it may be referred to by different names, such as “sustainable and responsible investing” or “values-based investing.”

Whatever term is used, this investment discipline is usually characterized by a set of principles that govern how investments are selected. One widely used framework includes environmental, social, and corporate governance criteria (ESG).

What’s ESG?

ESG criteria of good corporate governance, positive environmental impact, and responsible community involvement are a guide for making investment selections, akin to other investment-related criteria, such as price-to-earnings ratio or revenue growth.

The underlying belief is that good corporate practices may lead to better long-term corporate performance.

Investor experience with socially responsible investing will vary. As with any mutual fund or exchange-traded fund, socially responsible investments are subject to fluctuation in value and market risk. Shares, when redeemed, may be worth more or less than their original cost.

Individuals should also recognize that each investment approach may operate under a different set of principles, so you should be careful that your selection mirrors your personal values and beliefs.

T. Lloyd Worth may be reached at (303) 558-0214
or email: Lloyd.Worth@LPL.com
www.WorthWealthManagement.com

T. Lloyd Worth may be reached at (303) 558-0214 or email: Lloyd.Worth@LPL.com www.WorthWealthManagement.com

Source/Disclaimer

¹ The Forum for Sustainable and Responsible Investment, 2016

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 Suite 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 2019 FMG Suite. 1-05020361

https://www.worthwealthmanagement.com/resource-center/investment/investing-with-your-heart

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For all of us, 2020 and the Coronavirus have brought many changes to our normal operations.

We are so glad to have re-opened on May 11th with a number of new operating procedures both proactively and in addition to our normal safety and sterilization procedures. Our treatment rooms and common spaces are now equipped with Surgically Clean Air medical grade air filters that remove pollutants, bacteria and potential virus’ from the air. High-speed aerosol evacuators are also utilized to reduce the release of aerosols. The staff at Mountain View Family Dental are wearing N95 masks, sterile scrubs and face shields as extra precautionary personal protective equipment.

Our patients must wait in their cars until we have cleaned and prepared for their appointment, and all paperwork is completed online. Patients have been very understanding of these changes and appreciate these extra measures we have taken to keep their dental experience as safe as possible while Covid-19 still poses a health threat.

To all of our existing patients, we greatly appreciate your support and understanding as we move through this together.

Your Safety Is Our Priority!

Mountain View Family Dental

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Offered by: Michael Place Apartments

In the early 2000s, the Teater family, residents of Brighton, recognized a shortage of quality apartments to meet the housing needs of the growing city and set out to help fulfill the demands. Michael Place Apartments was launched in 2003 and the local owners managed the construction from day one—from working with expert architects and builders to picking out quality materials and finishes. Specifically designed with the tenants’ needs at the forefront, the 80 unit property has plenty of close free parking, well-lit parking and breezeways and professionally landscaped green space. The apartments are among the largest apartments in Brighton and conveniently come with a full-sized washer and dryer. Other amenities include a private balcony with a storage closet, spacious walk-in closets and an optional gas fireplace.

As Brighton has continued to grow, so have the housing needs. In 2019, the Teater family built Christine Place Apartments, just two blocks away from Michael Place Apartments. Each apartment complex has an on-site manager, ensuring that the apartments are managed with the same care and attention to detail as went into the construction.

Visit their website at www.rentbrightonco.com to see pictures and take a virtual tour or give them a call at (303) 659-7809 to set up a personal tour on site at 400 N. 19th Avenue in Brighton.