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Offered by: Brian Engle – Prudential Advisors

Today’s challenging economic environment has forced many Americans to review their retirement planning goals with a more critical eye. While most core principles about retirement planning still hold true no matter the environment, a few may require some slight modifications. Who couldn’t use a roadmap to help prepare and execute a successful retirement strategy?

When it comes to retirement planning, we all want to know what “the number” is: That magic dollar figures that, when reached, means you’re set in retirement. Sure, knowing your number—and reaching it—is good, but it’s only part of the equation. Mastering the accumulation phase without factoring in the distribution phase could render all your hard work saving toward your number moot.

Instead, you should think about retirement in terms of income needs. The accumulation of, say, $300,000 is not meaningful for living in retirement unless you can translate that figure into a yearly or monthly income stream. You need to be able to pay your monthly food, rent and utility bills, as well as health-care expenses—and have enough left over to live the way you want to live in retirement.

When you consider your retirement income needs, make sure you also factor in that some of your assets have a built-in tax liability. In other words, view your retirement assets with a “tax lens” on so you can see their true economic value. You can’t pay your rent or utility bills with before-tax dollars, so it’s important to understand what you’ll be left with after taxes before concluding you’re saving enough.

Longevity risk and investment risk are other items the number approach does not consider. So to use the same example, you’ve reached your $300,000 number, but how do you know that a sufficient amount will be there 20 years later? If the assets decline to $200,000 in the next year, what does that mean for your future? Are there ways to manage these longevity and investment risks? By translating the number into an income stream, you can better see what a decline in asset value will mean to the longevity of your assets.

The message here is that retirement planning should be done considering income needs. If you base it purely on accumulation, or reaching “your number,” you won’t adequately define your retirement planning goals or manage retirement planning risks. By choosing strategies that mitigate the risks of poor investment return or of outliving your assets, you will substantially reduce your plan’s risk of failure.

The Prudential Insurance Company of America and its financial professionals do not render tax or legal advice. Please consult with your tax and legal advisors regarding your personal circumstances. 1001268-00001-00, Ed 06/04/2018, Exp 05/23/2020

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Offered by: John Wilson, B.S., BC-HIS – Blue Ribbon Hearing & Tinnitus Center

We enjoy freedom and independence today because of what was done by others in the past. What we have today is the result of the hard work and sacrifice of others. The knowledge and wisdom we have today is due to the collective experience of others passed onto us.

Nearly 75 years ago, my wife’s grandfather was storming the beach at Normandy. His photograph was taken by a reporter shortly before he stepped on a land mine. Unlike so many who were with him there that day, he survived, although with only one leg for the better part or the rest of his life, and later with no legs. His attitude of no excuses regardless of circumstance was passed on to his children and grandchildren, and my wife is passing it on to our children today.

For many years, he would visit schools and share stories of his experience of D-Day. He passed away before I met my wife, but I have seen video of the interviews he did on the local news while he was still alive. My life has been touched by the experiences of a man I never met because his influence is felt in my home on a daily basis. As a wise and experienced man, he communicated with his family and passed on a legacy of determination and hard work, because of the connection he had with his children and grandchildren.

The success of our community and future generations will be built on the shoulders of past generations, from knowledge and experience gained over long periods of time. Time that included hardships and successes. So much of the knowledge and wisdom we need is found in the experience of our elders. That information can only be passed on if the rising generation is connected with those with experience. History must be passed on.

While some history can be read about or watched, there is nothing greater than being tutored by someone who was there. One individual communicating their experiences to another is memorable and powerful. Such communication is a two-way process. Barriers make communicating difficult, if not impossible. Hearing loss is a major barrier to general communication and meaningful relationships.

Hearing loss creates real seen and unseen barriers. Breaking down those barriers for husbands and wives, parents and children, grandparents and grandchildren will strengthen families and ultimately our communities. Treating hearing loss, no matter how mild or severe, sooner rather than later, allows for opportunities for greater bonding and stronger relationships. Preserving and enhancing hearing provides for greater freedom and independence now, and in the future, and removes barriers for passing on information that will strengthen future generations. Wisdom and knowledge communicated from parents and grandparents to children and grandchildren is a key to future success, freedom and independence in all aspects of life.

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

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If the United States has a God given mission, it was and still is, to spread the Sacred Fire of Liberty throughout the world. But first it requires a true understanding of what Liberty is, and what Liberty is not. The following quotes help with this understanding:

“Under the law of nature, all men are born free, everyone comes into the world with a right to his own person, which includes the liberty of moving and using it at his own will. This is what is called personal liberty, and is given him by the Author of nature, because [it is] necessary for his own sustenance.”

– Thomas Jefferson, Third President of the United States

“Liberty lies in the hearts of men and women; when it dies there, no constitution, no law, no court can save it.”

– Learned Hand, United States District Court Judge

“God grants liberty only to those who love it and are always ready to guard and defend it.”

– Daniel Webster, Author, Lawyer and Patriot

“Can the liberties of a nation be thought secure when we have removed their only firm basis, a conviction in the minds of the people that these liberties are of the gift of God? That they are not to be violated but with His wrath?”

– Thomas Jefferson, Third President of the United States

“Liberty can no more exist without virtue and independence than the body can live and move without a soul.” “Public virtue cannot exist in a nation without private, and public virtue is the only foundation of republics.”

– John Adams, Second President of the United States

“A Constitution of Government once changed from Freedom, can never be restored. Liberty, once lost, is lost forever.”

– John Adams

“If freedom of speech is taken away, then dumb and silent we may be led, like sheep to the slaughter.”

– George Washington

Need coverage? Call us for a great ‘quote’! 303-558-0653

Click here to view Farmers Insurance on The Brighton Buzz Business Directory

Farmers Insurance

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

The Fourth of July is here and it’s time to leave the fireworks to the professionals! A few years ago, a family insured by the Rippy Agency almost lost their entire house to fireworks after a bucket in their garage was not fully extinguished and burned their home down. Please have fun, but be safe!

We hope you’ll join the Rippy Agency and other sponsors at Brighton Oasis this Summer for a variety of events tailored to everyone! On July 19th, they are having Adult Night with a live band, food, alcohol, prizes and more. The following Friday, July 26th, they are having their Customer Appreciation Day!

Hail season is still here and it’s not too late to change your comprehensive deductible and minimize your out of pocket expense for windshield repair/replacement, hail, theft and more. Call the Rippy Agency at 303.219.1470 to find out the price difference for this coverage change.

Life insurance is not for you, it’s for those you leave behind. Did you know that Allstate offers discounts on auto and home when we insure your life? Allstate recently came out with a product called the Monthly Income Term. Unlike traditional life insurance products that pay in a lump sum, this pays a benefit you set monthly for a period of 3 years, 5 years or 10 years. You can customized your quote on-line at: or call or email to setup an appointment at the agency or the comfort of your home.

Allstate Rippy Insurance

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

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Offered by: Melissa Rippy – Rippy Insurance Agency / Allstate

It’s hard to believe that June is here and school is out for the summer! This means more young drivers will be on the road and motor vehicle accidents and fatalities increase during the summer time since kids are out of school and driving more than usual. Memorial Day also marked the beginning of the “100 Deadliest Days”, in which 10 people die daily from a crash involving a teen driver. Be sure to stop by the Rippy Agency to pick up a copy of your FREE parent/teen driving agreement that will help guide you through a safe driving discussion with your teen. If your teen earned good grades this semester, be sure to call us for a Good Student Discount that can save your family!

All new quotes and referrals through the Rippy Agency are entered to win a 50” Flat Screen TV. We will draw a winner in June. You can get started with your quote by texting a copy of your Declarations page to 303.219.1470.

The Rippy Agency is also honored to announce our 6th Annual Rippy Scholarship Recipients are Brighton High School seniors, Loni Aragon and Jazlyn Lopez, who both plan to attend college in Colorado.

Allstate just released an announcement that there is a premium decrease on life insurance term policies. We have policies that start as low as 10 years and can go up to a maximum of 30 years. You can also save on your auto and home when we insure your life.

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

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

I’m going to jump directly to the point. Estate plans are for everyone!

Many studies show that between 73 and 78% of people in the United States do not have an estate plan. For a majority of the families in that category, the death of a loved one means significant, and easily avoidable, problems as a result of the failure to put even a basic estate plan into place.

Some take the “Why should I care, I’ll be dead” approach. Those you leave behind will handle the problems upon your death, and they will pay substantially more in legal fees, court costs, and taxes. Sounds like an okay plan, if you don’t mind giving a lot of what you left for them to their lawyers?

You may not care about what happens after your death, but have you thought about what happens if you become disabled?

If you become unable to manage yourself or your finances before your death, and do not have a basic estate plan in place, this can cause a great deal of frustration and expense for your family. The hard-earned money you saved to take care of yourself is spent on lawyers, court costs, and special healthcare professionals who examine and evaluate your capacity. It can cost $10,000 or more to have a guardian and/or conservator appointed for you by the court upon your incapacity. These expenses and frustrations can easily be avoided by having a basic estate plan in place.

Lawyers are making staggering amounts of money helping family members work through the problems created by people who fail to do any planning. Consider taking a little time to put an estate plan in place so you and your family, rather than the lawyers, can enjoy your money.

If you would like to learn more about available estate planning options, visit: to sign up for a complimentary educational workshop.

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

Dolan Associates

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Offered by: Brian Holley – Farmers Insurance

It’s hard to believe it’s already June. Summer has begun and thousands of students have graduated across the country. If you have a new grad in your life, then you’re probably thinking about how to congratulate them.

From elementary to high school, to universities and beyond, graduates are entering a very different world from older generations. The workplace is evolving rapidly, and economic and financial challenges are more daunting than ever. That’s why a solid financial strategy can help new grads. But you can only help younger people in your life if you have the right strategy yourself. It’s a fine balance. That’s where I can help.

It’s summer time and it’s a good time to review your strategy to make sure you are still on the right track to meeting your long-term goals, no matter what new challenges life throws your way.

Click here to view Farmers Insurance on The Brighton Buzz Business Directory

Farmers Insurance

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Offered by: Susan Kline

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

Look for the ad on page 39 for Brighton’s 4th of July celebration. Don’t miss it! Enjoy this wonderful summer month and use the resources on these pages to make your July the best it can be!

Have a Joyous 4th & A Wonderful Month of July!

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Offered by: Karen Mealy – Cruise Planners

We often get the question, “Why use a travel agent?” Over the years as online booking websites have become increasingly popular; travel agents have diminished in importance. And yet, we still exist and are used by a lot of people. In fact, there has been a surge in demand in recent years. So, we would have to ask, “Why not?”

  • We know the market and have access to hundreds of vendors.
  • We have access to deals and bulk buying options the individual consumer doesn’t.
  • Your time is valuable, and you shouldn’t have to spend it searching for the right vacation. Consumers spend an average of 20-40 hours researching and planning their vacation. It can be a very stressful adventure to put together every aspect of travel.
  • We are full service. It’s not just hotels, tours, flights, and cruises. We’ll let you know about insurance, passports, visas, excursions, events, customs and cultures, currency, and even weather.
  • We are your travel advocate throughout the process.
  • We’re free. The $700 cruise you just found on the internet is $700 or less if you use an agent. But the agent saved you time and stress, from the start and throughout your travel.

The Internet has made it easier to book your own travels, but with that comes informational overload. Travel planning is a time-consuming process. Why not let us take that stress off your shoulders and help you to plan your next dream vacation!

The world is a book and those who do not travel read only one page.”

Saint Augustine of Hippo

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Offered by: Shelly George – Evolve Ortho-Bionomy®

Ortho-Bionomy® is a highly effective system of bodywork based on a simple and profound philosophy: Allow the body to correct itself. The hallmark of Ortho-Bionomy® is pain relief.

The founder of Ortho-Bionomy®, British-Trained Osteopath Arthur Lincoln Pauls, discovered how to gently stimulate the body’s reflexes for self-correction in a way that supports a person’s own healing mechanisms.

The result is seemingly effortless pain and tension relief, natural re-alignment, relaxation and a deep sense of well-being.

Ortho-Bionomy® helps people break the cycle of pain – without causing pain. It is very effective for recovering from injuries, surgery and stress. It aids recovery by reducing muscle tension, soothing the joints, increasing flexibility and range of movement, improving circulation and relaxing the entire body.

Typically, most Ortho-Bionomy® sessions last approximately one hour. Comfortable, loose fitting clothing is suggested to allow a full range of motion. The practitioner works with you to identify areas of discomfort, tension and pain as well as areas of comfort and ease of movement. Gentle movements, comfortable positioning, brief compressions and subtle contacts are used.

No forceful movements or pressures are used. Every Ortho-Bionomy® session is specifically designed around your individual needs. Your practitioner will rely on your verbal feedback to find the techniques which best facilitate your body’s return to natural alignment. Typically, the relief of stress and tension can last for days after a session. Your practitioner may suggest self-care release techniques that you can continue at home. These self-care techniques further aid in relieving pain, restoring function and re-balancing the body.

Whether you are looking for relief from specific discomfort or a safe and effective way to ease stress and promote relaxation, Ortho-Bionomy® can be very beneficial. Ortho-Bionomy® is compatible with all healing systems. It is not a substitute for appropriate medical care, nutrition or exercise.