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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.

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Offered by: Danielle Maroney – Thollot Diamonds & Fine Jewelry

COVID-19 has undoubtedly shaken up several wedding proposal plans but one thing is for sure, the pandemic hasn’t kept EVERYONE from popping the question. When the quarantine is finally behind us, plenty of couples will emerge from their period of isolation with a ring on their finger. While couples move tentatively into what is ubiquitously being called the “new normal,” Thollot & Co. are seeing an interesting trend: Couples are increasingly seeking out jewelry that is as original as the situation in which they find themselves.

“It’s a little like a tattoo; something that will represent forever but will also commemorate a time and place, ” A young woman named Taylor states emphatically, her partner providing confirmation with his agreeing nod.

When you bring your dreams of a custom piece to Thollot & Co., an experienced team of designers will talk through your ideas and desires to give you an idea of what your design could become. A computer designed image is created so you can examine your creation from multiple angles with the option to continue tweaking to your liking. From the design, a resin model is created which you can try on to be sure that your piece turns out exactly how you’ve envisioned it. Responding to requests from customers to be more hands-on throughout the creation process, Thollot & Co., created their unique “Pour Your Heart Into It” experience where you’ll have the option to participate in casting your piece with the guidance of a seasoned jeweler in the Thollot & Co. workshop. Capture the experience on video when you first reveal your dream piece crafted with your own hands!

“During the shutdown, many people are taking time to sort through their old heirlooms and unwanted jewelry,” says Owner Joy Thollot. Incorporating gems or other aspects from what you already have is a great way to create something one-of-a-kind, or bolster your budget and simply trade it towards an all new design. A 20% bonus value is applied if you trade your items toward something new.

A one-of-a-kind engagement ring, the perfect matching wedding band, a restyled piece using an existing gemstone, or any masterpiece you can imagine, Thollot & Co. offers many options for what to do with precious pieces of family history. With the price of gold reaching toward an all-time high, customers are being pleasantly surprised with how much their unwanted and broken jewelry can fetch.

In these challenging times, celebrating the momentous occasions of life is more important than ever. The Thollot & Co. family has been here to make those moments special and now we are honored to provide a one-of-a-kind experience to go along with the pieces that celebrate life’s journeys.

Click here to view Thollot Diamonds on The Brighton Buzz Business Directory

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

The Fourth of July is also known as Independence Day, July 4th, and/or America’s Birthday. It has been a federal holiday in the United States since 1941. This day commemorates the signing of the Declaration of Independence that solidified the colonies of America to fight for independence from Britain. Independence Day celebrations go back to the 18th century and the American Revolution.

There are many activities and traditions that occur during July 4th celebrations: fireworks, hot dogs, hamburgers, watermelon, music, sunshine and spending time with family and friends. Don’t forget to leave the fireworks to the pros! The Rippy Agency insures a family that once had a bucket full of fireworks in the garage and thought they were safely extinguished… Turns out they were not, and the entire home nearly burned down! Fortunately, Allstate was able to provide temporary housing for them while their home was being rebuilt.

Did you know that motor vehicle crashes are the leading cause of deaths for teens? From Memorial Day weekend through Labor Day Weekend, July is part of the 100 Deadliest Days of Summer as teens take to the road. Teens have the highest crash rate of any group and there is an increase of 26% of accidents compared to other months of the year. 60% of teen crashes today are caused by distracted driving. Did you know that the top distraction for teens in car crashes is other passengers and not those caused by texting or talking on the cell phone?

Enjoy a safe 4th of July and Summer! Please call or text 303.219.1470 for a safe driving kit for teens.

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Susan Kline

As we’re very close to our annual celebration of the 4th of July, I began contemplating the relationship between peace and freedom. We constantly hear about unrest/violence both nationally and globally. Working toward peaceful solutions to these inequities is the true answer to protecting the freedom we all love so much. Below are some thoughts to ponder relating to this subject… giving us guidance to incorporate more peace into our lives’ solutions.

“Let us not accept violence as the way of peace. Let us instead begin
by respecting true freedom: the resulting peace will be able to satisfy
the world’s expectations, for it will be a peace built on justice, a peace
founded on the incomparable dignity of the free human being.”

Pope John Paul II

“One day we must come to see that peace is not merely a distant goal
that we seek, but that it is a means by which we arrive at that goal. We
must pursue peaceful ends through peaceful means.”

Rev. Dr. Martin Luther King, Jr.

“The well-being and the hopes of the peoples of the world can never
be served until peace – as well as freedom, honor and self-respect – is
secure.”

Ralph J. Bunche Excerpts taken from PsychologyToday.com

Whether you’re seeking freedom from civil inequities, the coronavirus
pandemic, economic turmoil, or any number of things that are holding you
back in your life, we wish you the strength and courage to see your way to
improved living this July.

The Brighton Buzz is celebrating our 15th year in publication with this
issue! We greatly thank our advertisers and readership for going on this
journey with us!

Enjoy A Safe & Healthy July,

Susan

Happy 4th of July

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Offered by: Scott & Lora Nordby – Berkshire Hathaway HomeServices

It’s been well over two months since the stay-at-home order was imposed and now that we are beginning to emerge from our homes, many people are investing in improvements, upgrades, or a whole new home! Whatever you decide it’s important that you consider the return on investment (ROI) of any improvement or upgrade. Here are the top three upgrades that give you the most bang for your buck.

Bathroom Remodel
In most cases, a minor master bath remodel can do wonders for your own space and your ROI. Consider investing in a new tub, tile surround, floor, toilet, sink, vanity and fixtures and get 102% of your investment back when you sell.

Landscaping
With the weather warming up, this is a perfect way to invest in your home, get some activity, and practice social distancing! Trimming back overgrown trees, adding some flowers, and re-sodding dead patches make an enormous difference in how much you enjoy being in your yard. Investing in your landscaping generally pays you back, dollar-for-dollar. Plus, having solid curb appeal will make all the difference when you’re ready to sell.

Kitchen
Let’s face it, we’ve all spent a lot of time in the kitchen, which means we know all-too-well what can be improved. Everything from cabinet pulls to refacing the cabinets itself can make a boring kitchen look brand new. If you want to go a step further, replacing the sink and countertops can make a big difference. Adding some new paint or drapes can complete a update and make you a lot happier and you can recoup about 98.5% of your cost.

Of course, any investment in your living space pays dividends in your own enjoyment. Rearranging furniture, new paint or curtains, or even a new bedspread can add fresh life to your home. And after all that work, you may find that you love your home even more! If you’re considering a change, though, call us at 303-905-8850 to speak with a REALTOR®. We’ll make sure you talk with someone who is knowledgeable about real estate and your local market, and can help you make the decisions that are best for your family.