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Offered by: Mackenzie Reshew, CPNP – Brighton Pediatrics, P.C.

Recently, you may have seen news articles reporting increased cases and outbreaks of measles in the United States. Many parents may wonder what measles is and what can be done to protect their child from measles. Measles is a highly contagious viral illness, and infection typically starts with fever, cough, runny nose, red eyes and a sore throat. A red rash will then develop, usually starting on the head and spreading down the body. There is also a risk of complications with the measles, including the need for hospitalization, ear infections, pneumonia, swelling of the brain and sadly, death in some cases. Complications are more common in the younger population, pregnant women and in people with a weakened immune system.

The good news is that measles can be easily prevented through vaccination. The measles vaccine is a 2 dose vaccine series, which is typically started at 1 year of age. By vaccinating your children, you not only protect them, but also help protect the community. The more people who are vaccinated against measles, the harder it is for the measles virus to spread through a community. This helps protect people who cannot receive the vaccine such as young babies. Additionally, measles is more prominent in some other countries. If you are planning to travel out of the United States, it is a good idea to speak with your primary care provider first as additional or early vaccines may be needed.

Please contact your child’s primary care provider if you have any concerns your child may have the measles or may have been exposed to the measles, or with questions related to vaccines or travel.

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

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

Brighton Pediatrics

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Offered by: Jan Hepp-Struck, Hepp Realty

It is an unfortunate sign of the times we live in, but if you are, or plan to be, in the market to purchase an existing home, the answer should be yes. It’s not something anyone wants to think about, but meth use isn’t isolated to any specific socio-economic group or neighborhood, and it doesn’t have to be an actual lab — contamination can occur anywhere with just one single exposure, leaving residue on a variety of surfaces, even in the heating and air conditioning ducts.

Many real estate agents, and people in general, don’t understand or realize how common meth contamination is or how quickly it can happen. The reality is that simply having someone smoke meth in a home just a few times can cause the contamination levels to exceed the Colorado state standards for safety.

The health risks alone are huge. Exposure to meth contamination most often negatively impacts your neurological, respiratory, and skin health, but can cause damage in other ways as well. In addition to the health risks, inadvertently purchasing a home with meth contamination can also have devastating financial implications because the cost of decontaminating and cleaning a home, depending upon the level of contamination, can cost a few thousand to $50k or more.

The additional test added to your home inspection before you purchase a home is well worth the peace of mind. Per Colorado state law, you have the legal right to test before you buy, and to terminate your purchase contract in the event the test results are positive for meth contamination. Additionally, Colorado state law also stipulates that if a seller fails to make a required disclosure regarding meth, the buyer has the right to file an action against the seller within three years of the date of closing, and to hold the seller liable for costs of remediation and health-related injuries occurring after the sale, as well as reasonable attorney fees for collection of costs from the seller.

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

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Bill to Abolish the Death Penalty in Colorado Introduced

Offered by: Brighton Resident Gregory R. McMahon, Esq.

Every session of the Colorado General Assembly has some bills that are hotly debated. This session will be no different because SB20-100 has been introduced and will be considered this session. This bill, if passed, would abolish the death penalty for any crimes charged after July 1, 2020. This bill would not affect any current death penalty cases that are pending in Colorado.

On January 9, 2020, the Denver Post reported that there were enough votes to pass this bill. If passed, it would go to the desk of Governor Polis, who has in the past been a strong opponent of the death penalty.

Here is some background on the death penalty in Colorado: There are currently only three people on death row in the state. Even if the Governor signs SB20-100 into law, it will not affect the fate of these current death row inmates. Attorneys representing them would have to file a clemency request with Governor Polis who would decide whether or not to commute the sentence to life in prison. The last execution in Colorado was back in 1997 when Gary Lee Davis was executed by lethal injection.

The author is not taking a position on this bill. The intent is simply to provide Adams County residents with information on this bill. Readers with strong positions on this bill may, of course, contact their representative in the Colorado General Assembly.

The information in this article is not legal advice nor does it constitute 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: Julianna Two Bears – Rippy Insurance Agency

Hey everyone, it’s Julianna from the Rippy Agency here. I want to share how February is my favorite month of the year. This year is especially exciting with some big things happening. I am taking my dream vacation with my mom and a couple of friends to Ireland. We protected our trip with travel insurance, available right here at our agency. This alleviated the stress of the unexpected and allowed us to plan our castle tours and pub stops without worry. The plans are customizable and offer baggage loss/delay, reimbursement for non-refundable fees and medical emergencies. The cost is based upon duration of your trip and reimbursement value. Start planning your dream vacation now and let’s chat about how travel insurance can help you.

I will celebrate my birthday on the 14th, but that doesn’t stop me from celebrating the whole month long. This is also your friendly reminder that Valentines Day is coming up. What do you have planned for your special someone?

At the end of the month, I will celebrate my two year anniversary at the Rippy Agency. Thank you for your support over the years. We are in the office six days a week to help answer any insurance questions you may have, even if you don’t have Allstate Insurance. Can you text your current agent questions? Do they sit down with you to help file claims? Do they notarize for free? Do you get an annual insurance review? Allstate Insurance… Done differently… At the Rippy Agency.

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

Allstate Rippy Insurance

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Offered by: Lisa Asmussen – Integrity Insurance LLC

Are you approaching Medicare eligibility, either turning 65, ending group employer coverage or qualify for Medicare due to disability? Now is the time to seek the knowledge of a licensed agent who specializes in Medicare.

The decisions regarding Medicare can be confusing; evaluating your needs alongside the choices available to you is worthy of careful consideration. Often this task is neglected due to a person’s limited time and knowledge about the process.

A licensed agent who specializes in Medicare has already invested the time to master the process. Few individuals trying to sort through the details find it easy, but with my help they have found it more comfortable learning about Medicare steps to get coverage, what added benefits might fit their needs and how to avoid penalties.

Did you know that benefiting from the assistance of a licensed insurance agent can save you time and increase your satisfaction with your choices? The service of a sales agent is of no cost to you! That’s right, the help you get to understand Medicare, concern for your individual needs in conjunction with thorough knowledge about the many plans available to you is available with no cost to you.

I regularly assist in education about Medicare supplement, prescription drug plan and Medicare Advantage plan coverage. As an independent sales representative, I am contracted with many carriers, offering vast knowledge. Not only can I let you know which plans may best match your needs, I am also skilled at knowing network providers and evaluating tiering of your prescription medications with the different plan formularies to keep dollars in your pocket.

Want to learn more about the plan you have?

I gladly assist with educating Medicare recipients to know the ins and outs of the plan in which they are enrolled. When faced with changes in health or medication needs or when plans change, your understanding, along with my expertise will leave you confident about your choices during an enrollment period.

With the relationship of a knowledgeable licensed agent, to address your ongoing needs this task won’t seem daunting each year when it is advisable to reevaluate your coverage. Lowering your out of pocket costs while maintaining quality care and services is my priority when we sit down to explore your options.

Don’t avoid the whole stressful process because it is seems difficult! Call today to schedule an individual consultation.

Not connected with or endorsed by the United States government or the federal Medicare program. This is an advertisement. Calling the telephone number in this advertisement will connect you to a licensed producer/agent.

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

Dinner out, flowers, and chocolates are staples when it comes to arranging for a Valentines gift for your spouse. What about considering alleviating something that you or your spouse may have been possibly worrying about for years? Dinner, flowers, and chocolates are gone and forgotten very quickly (especially the chocolates!). How about doing something that can end worry, and provide wonderful loving protections for your family into the future?

Putting an effective estate plan in place can be just such a loving gift. It’s something people tend to procrastinate around and worry about in the back of their minds. But you’re not going to die or become disabled today… Right?

If you’re in this situation, I think it would be a wonderful gesture to begin the process of putting an estate plan in place as a gift for Valentine’s Day. Think about the problems and issues it can alleviate at the time of your death, and more importantly if you become disabled before you die. Surprise them with a gift they will be deeply grateful for. An unselfish act of love that will be much more beneficial to your loved ones than a dinner out, flowers, or chocolates; allowing them to be comfortable that things are in order in the future, and that they will not face a huge mess upon your disability or death seems to be effective ways to show your love and care for them.

If you are not sure how to get started with the process, I encourage you to get some education around the subject. If you would like to learn more about available estate planning options, visit: www.EstatePlansThatWork.com to sign up for a complimentary small group educational workshop.

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

Dolan Associates

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Offered by: Tim Roberts – Edward Jones

It might not have made the headlines, but a recently passed piece of legislation could affect the IRAs and 401(k)s of millions of Americans beginning in 2020. So, if you have either of these accounts, or if you run a business, you’ll want to learn more.

The new laws, collectively called the Setting Every Community Up for Retirement Enhancement (SECURE) Act, include these noteworthy changes:

  • Higher age for RMDs – Under current law, you must start taking withdrawals – known as required minimum distributions, or RMDs – from your traditional IRA and 401(k) or similar employer-sponsored plan once you turn 70 ½. The new law pushes the date to start RMDs to 72, which means you can hold on to your retirement savings a bit longer.
  • No age limit for traditional IRA contributions – Previously, you could only contribute to your traditional IRA until you were 70 ½, but under the SECURE Act, you can now fund your traditional IRA for as long as you have taxable earned income.
  • Limitation of “Stretch IRA” provisions – Under the old rules, beneficiaries were able to stretch taxable RMDs from a retirement account over his or her lifetime. Under the SECURE Act while spouse beneficiaries can still take advantage of this “stretch” distribution, most non-spouse beneficiaries will have to take all the RMDs by the end of the tenth year after the account owner passes away. Consequently, non-spouse beneficiaries who inherit an IRA or other retirement plan could have tax implications due to the need to take larger distributions in a shorter timeframe.
  • No early withdrawal penalty for IRAs and 401(k)s when new child arrives. Typically, you must pay a 10% penalty when you withdraw funds from your IRA or 401(k) before you reach 59 ½. But now, with the new rules, you can withdraw up to $5,000 from your retirement plan without paying the early withdrawal penalty, as long as you take the money within one year of a child being born or an adoption becoming final.

Some provisions of the SECURE Act primarily affect business owners:

  • Multi-employer retirement plans – Unrelated companies can now work together to offer employees a 401(k) plan with less administrative work, lower costs and fewer fiduciary responsibilities than individual employers now encounter when offering their own retirement plans.
  • Tax credit for automatic enrollment – The new law provides a tax credit of $500 for some smaller employers who set up automatic enrollment in their retirement plans. And a tax credit for establishing a retirement plan has been increased from $500 to $5,000.
  • Use of annuities in 401(k) plans – It will now be easier for employers to consider including annuities as an investment option within 401(k) plans. Previously, many businesses avoided offering annuities in these plans due to liability concerns related to the annuity provider, but the new rules should help reduce these concerns.

The SECURE Act is the most significant change to our retirement savings system in over a decade. We encourage you to contact your financial advisor, tax professional and estate planning attorney to assess the potential impact on your investment strategies and determine any possible tax and estate planning implications of the SECURE Act.

Click here to view Tim Roberts at Edward Jones on The Brighton Buzz Business Directory

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

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Offered by: Jennifer Bell – Bell Benefits, LLC

How many phone calls and mailers do you get from insurance agents wanting to solicit your Medicare Insurance business??? 5, 10, 20 a day? Medicare Insurance Agents can seem like vultures at times. It can be a numbers game for them. The more clients they can “close”, the more money they can make. The telesales agents, are literally just looking to make a sale with each call.

Their tactics are confusing at best and leave many dumbfounded as to what just happened. I can’t even count the number of times I have heard a person tell me how they didn’t know they were enrolling in a plan. “It just happened so fast.”

There is a distinct difference between those on the phone and those of us who come to your home and actually walk you through the ins and outs of Medicare. How Medicare works can be one of the most confusing things to tackle as a retiree.

Being comfortable with your insurance decisions is so important. Understanding what you have is essential to your financial happiness. Remember, if you feel things are moving too quickly, you can always hang up or ask an agent to leave. Don’t ever feel like you have to sign the dotted line if you’re uncomfortable.

Also, remember that if you are working with an agent, always go to them with your questions. When you bring another agent in the picture, whether on the phone or in person, you eliminate the one you trusted all along to help you.

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Offered by: Susan Kline – The Brighton Buzz

Susan Kline

We all know February has a very important Valentine’s Day to celebrate, but, from some investigation, there will be lots more to celebrate
this month! Please see the list below:

February is:

• American Heart Month
• Black History Month
• Canned Food Month
• National Children’s Dental Month
• National Bird Feeding Month

Below are more specic dates for celebration:
• February 1st – Eat Ice Cream for Breakfast day
• February 2nd – SuperBowl Sunday
• February 9th – Oscar Night
• February 14th – Valentine’s Day
• February 17th – President’s Day & Random Acts of Kindness Day
• February 25th – Mardi Gras / Fat Tuesday
• February 26th – Ash Wednesday
• February 29th – Leap Day!

I can think of a few other reasons to celebrate as well. The Holiday chaos has subsided and we’re already defining the framework of 2020. Allowing ourselves to get a sneak preview in January, we’re on the trail of our 2020 resolutions and working toward those all important goals. The weather has warmed up (slightly) and it’s possible to feel Spring right around the corner. Come on, Spring!!

We’ve gathered lots of interesting ads, articles and events for you to peruse in this issue. We hope you enjoy this February’s Brighton Buzz!

Have a wonderful February,

Susan

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The market is cooling from the record-highs in years past, but new construction remains a hot commodity. Having the option to get the house model you want, with the options you prefer, makes the idea of a new construction home very appealing.

If you’re in the market to buy a new home, consider these benefits
when making your decision:

Less repairs

Because everything in and on the house is brand new, major repairs are generally 7-10 years away. And if something does break or fail, it will likely be covered by a warranty so you can repair it without worry.

Get what you want

Obviously, custom built homes give you complete control over the layout and finishing of your home. However, even new tract housing offers a variety of floor plans and finishing touches you can choose from. From flooring to cabinetry, and even more, you can fine tune your new home so it’s exactly what you’ve dreamed of!

Less competition

New and custom built homes are an attractive option because there isn’t the bidding war to contend with when you’re looking at a resale. You may have some haggling over costs and details, but there won’t be lots of other people competing for the same house. This means you can just focus on negotiating the terms that are best for you.

Contemporary architecture

Newly built offer a number of advances, including contemporary floor plans and architecture. Enjoy open floor plans and more natural light in your new home, which assists with energy use.

As with any home purchase, it’s having a REALTOR® representing your interests makes all the difference. Although newly constructed communities have representatives available to help and assist you with questions you may have, they are representatives for the builder. An experienced real estate professional can ensure your interests have a place at the table. Your agent can also guide you with choices that are best suited for your goals and lifestyle needs. For example, if there is a project that is easy to do yourself, you may saved thousands of dollars to take it off the custom finishing. Conversely, if there is an option that adds significant value, your REALTOR® can office insight that will pay off down the road.

Call us today at 303-905-8850 if you’re ready to talk about your home purchase in 2020!