CertaPro Painters of East TN


Experience Award-Winning Results from Award-Winning Painters

Few home updating projects can transform your home’s interior and exterior surfaces faster and more cost effectively than painting. With literally thousands of colors to select from, you’re guaranteed to discover colors for your every mood, every space, and every project in your home or business.

While important, selecting a paint brand, paint type, and colors take a backseat to the selection of a painter. The entire outcome of your project rests on the selection of a painter. So how do you know if your choice of a painter is the right choice?

In this month’s issue of Everything Knoxville, we are excited to feature CertaPro Painters of East Tennessee. Delivering award-winning results to each of their residential and commercial customers, CertaPro is the proud recipient of numerous honors awarded annually among their 400+ peers nationally. It is our privilege to bring you this interview with local entrepreneurs, husband and wife team, and CertaPro Painters of East Tennessee founders and owners, Jeff and Joann Brown.

EK: First, congratulations on winning a total of five nominations and awards in 2016 for your expertise in the fields of residential and commercial painting. You have now won National Painting Company of the Year three of the last six years! We understand several of your management team members were also honored recently. Tell our readers just how they benefit from your achievements.

Jeff: As we celebrate 14 years since we started our business, it is very heartwarming to watch our team grow individually and earn regional and national awards. On one level, it is rewarding to watch our staff members grow, achieve goals, and flourish. The next level is knowing that when so many individual awards are earned, you know that it can only happen when our entire business functions well. The best part about achieving all those results is that we know we are meeting and exceeding our customers’ expectations through our service product. We call it hitting on all eight cylinders!

EK: CertaPro Painters embraces an entirely different philosophy as it relates to residential and commercial painting. You don’t paint houses – you paint homes. You don’t paint commercial businesses – you paint people’s livelihoods. Why is this approach not only unique, but also important to your customers?

Joann: From an interior perspective, color can add so much warmth to your home or business. We spend a lot of time in our homes and offices, and color can add so much comfort and personal expression. It is truly amazing to watch houses become homes by adding color to the interior of homes and businesses! Regarding exterior painting, it is mainly used to protect and beautify homes and businesses. It adds curb appeal and shows that people want to protect what typically is their largest investment. Homes and businesses typically need to be repainted every four to eight years to ensure proper protection, and we enjoy helping people do just that.

EK: You understand better than most that selecting a contractor can be a daunting task for home and business owners. Your nearly 98% customer retention rate is no doubt reassuring to your customers. But the fact that almost 60% of all your new clients come from existing customers’ referrals speaks volumes. What do you feel that prospective new customers should take away from these achievements?

Jeff: I think one of the big reasons home and business owners don’t engage in more improvement projects is because they don’t want the “hassle.” We work very hard to ensure that we are easy to do business with, and at completion, our customers say, “We got what we paid for, and they were in and out when they promised.” We think that if we do that, they will feel good about referring us and calling us again! Our customers typically describe us as professional, efficient, courteous, dependable, and excellent!

EK: You offer an uncommon yet totally comprehensive approach to painting that places customer communications at the forefront. Why is this so important?

Joann: We call this our Certainty Service System. We feel it is very important to have a written, coached, and reinforced process to ensure that we are consistent in meeting and exceeding our customers’ needs. We constantly train and follow up to ensure we continue to improve our process. Our goal is to deliver an extraordinary project every time.

EK: Your written estimates are likely the most detailed that clients can expect to receive. How important is that? 

Jeff: It is very important that we go to great lengths to provide and explain a detailed and written proposal for every project. We work hard to ensure there is little to no confusion on projects through our proposals. We review them at the time of the estimate and the start of the project to ensure that at completion, the home or business owner has no surprises on what is included, type of products, costs, etc.

EK: Tell us about the security that your painting clients experience with CertaPro Painters of East Tennessee.

Joann: We are the only painting company that we are aware of that has a written warranty with every project. Additionally, we have been in business for almost 15 years and have a physical office in Knoxville where, in addition to administrative activities, we also conduct routine team teaching and training. CertaPro Painters is fully licensed and insured. We attempt to cover every base to ensure that our customers feel secure when they choose CertaPro!

EK: In closing, is there anything else you would like to say to our readers?

Jeff: We are a full-service painting and home improvement company. We are very experienced in interior/exterior residential, commercial, industrial painting, and related services. We have a well-trained and professional team of painters and carpenters who have been with CertaPro for many years and are anxious to help with customer projects. We hope that if folks have a painting or improvement project, they will call us to consult and provide a free estimate!

CertaPro Painters of East Tennessee
865.470.0001
www.certapro.com/jbrown

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Veronica G Boutique


One More Dream

By Gail Edwards, Owner of Veronica G Boutique

After retiring from my career in commercial real estate administration, I did what so many young retirees do, which was pursue my life’s passion of owning my very own women’s clothing boutique. First launched six years ago, my dream evolved from launching a boutique in historic downtown Loudon to Veronica G Boutique in Turkey Creek.

I’ve loved every minute of the experience keeping up with the latest fashion trends, going to market in Atlanta, merchandising, marketing, and a whole host of other responsibilities that require an entrepreneur to wear a great many hats. Until Veronica G Boutique, I never fully appreciated just how exhilarating and challenging owning a small business could be.

While I am grateful for the experience and the success I’ve enjoyed, I think I am most grateful for all of the friends I have met that have supported me and encouraged me as I pursued my dream. But now it’s time for me to pursue one more dream: Retirement. After experiencing a series of health related challenges, I have decided to pursue my new dream of traveling with my husband, Bob, and to take advantage of what we hope will be years of happy retirement memories after many decades of pursuing our respective careers.

As my way of thanking each and every one of you for your past support, we will be offering a storewide sale on almost everything in the boutique. Our last day will be Saturday, March 25th. I hope each of you will plan a visit to Veronica G Boutique, which will provide me with the opportunity to thank each of you personally, as well as to extend to you some great savings on some of the latest in women’s fashions from many of the nation’s top designers.

I would also like to take this opportunity to thank my husband, Bob, for supporting me. You often hear that a family business can sew disharmony in a relationship. Ours was the opposite experience.


I hope to see you all soon, and thanks for the memories.

Veronica G Boutique
11655 Parkside Drive
Knoxville, TN 37934
865.675.0222
www.vgboutique.com

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Undercover Systems


Discover the Best Underdecking System Available Anywhere

By Jim Conn, Owner of Undercover Systems of Tennessee

More often than not we receive inquiries from homeowners who have recently visited friends and relatives that have installed an underdecking system on their home’s raised deck. I think it’s the appealing aesthetics that first catches their eye. Let’s face it: The underside of a deck as viewed from the patio below is dreary at best.

If you have ever investigated underdecking systems, you’ve already discovered that there are a variety of options to choose from. That’s why I would like to highlight a system that I truly believe you will find superior to any other system available.

First of all, we don’t purchase “off-the-shelf” components. All of the materials we install at your home were manufactured and fabricated at our state-of-the-art manufacturing facility. We use only 22 gauge galvanized steel coated with a Dura Coat polyester paint. Many of our competitors use a light gauge aluminum substitute.

Our patented system does not attach itself to the underside of your deck. Our system is fully supported by our gutter system that is installed along the perimeter of your raised deck. This promotes the free circulation of air that aides in the drying of your deck’s support joists.

All we install is Undercover Systems’ patented decking systems. We are not remodeling contractors. All of our installers are factory trained and certified.

I think that what our clients appreciate most is that I, Jim Conn, owner of Undercover Systems of Tennessee, personally supervise each and every installation. In fact, I often help install our patented underdecking system as well.

If you have ever considered installing an underdeck system under your home’s raised deck, I invite you to discover why Undercover Systems is rated A+ by the Better Business Bureau and why we have received the much coveted Consumers’ Choice Award and Green Business Certification. Available in a variety of color options and our premium bead board design, discover how you can better enjoy your home’s outdoor living spaces by protecting your family from unexpected rain and the searing sun with Undercover Systems’ patented underdecking system.

Undercover Systems
423.267.0091
www.undercoversystems.com

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The Town Framery & Gifts Spring Open House


April 1st from 10am to 4pm

(No Foolin’!)

Think big… shop small! There are bunnies and bunnies and more bunnies in the creative new displays at The Town Framery & Gifts! Just in time for Easter, the shop is filled with delightful wreaths, florals, and accents to accessorize your home for the upcoming holiday. If you are looking for that perfect gift for a wedding, house warming, or birthday, the collection of unique items has never been better. From that special event to a simple hostess gift, the shop offers one-stop shopping!

The Town Framery & Gifts have proudly promoted local artists and fine art crafters in Farragut since 2004. The annual Spring Open House on April 1st features these talented and creative artists. Meet and greet with wood workers Steve Lawson and Paul Tinnel, wood crafter Baily Cate, artists Wayne Blankenship and Pam George, vintage jewelry designer Marianne Gansley, and pine needle basket weaver Missy Steffey. Get insight into their technique, material, and reason for creating such amazing pieces!

Enjoy sales tax-free shopping at Open House as a thank you for supporting the shop throughout the year! You will also receive a 15% framing discount coupon to be used for a future framing order. Please note that no new framing orders are taken during the Open House event, but order pick-ups are encouraged and welcomed. Another can’t-miss is Mark’s incredible hors d’oeuvres… served all day!

In preparation for the Open House, the shop will be closed on Friday, March 31, to prepare. The staff and volunteers at The Town Framery & Gifts look forward to serving you at the Spring Open House on April 1st!

The Town Framery & Gifts
12814 Kingston Pike
Farragut, TN 37934
865.671.6627
www.thetownframery.com

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Entrepreneur


Just Plain Vanilla

By Tom Irmen

How do your customers or, more importantly, your potential new customers view your small business? Nothing slows up the line at Baskin Robbins faster than the addition of a new flavor. Customers’ eyes feast on the numerous choices available before selecting that much anticipated flavor that will arouse their taste buds. Meanwhile, over in the corner of the freezer display is poor old vanilla.

If your customers and prospective new customers view your small business as poor old vanilla, you had better be prepared for a plain vanilla response. Perhaps it’s because we, as entrepreneurs, invest so much of our day immersed in our daily activities that we take for granted just how unique our companies are. But at the end of the day, if you’re the only one that knows how unique you truly are, you’re just plain old vanilla to consumers.

I recently visited with one of the owners of a home improvement company. The quality of the work they perform is consistent with the quality offered by their competitors. But they’re unique from their competition many ways:

» They fabricate the product they install.
» Their installation time is much faster.
» They don’t charge for many of the extra services they provide.
» They don’t employ commissioned sales people.

I was sold. Unfortunately, very few people beyond those in attendance at our meeting are aware of how truly unique this small business really is. Plain old vanilla, right? I asked myself, “Just how much has their failure to communicate their unique differentiating characteristics cost them?” I’d say hundreds of thousands of dollars annually.

If your small business is experiencing lackluster performance, you’d be well-advised to ask yourself whether anybody beyond your associates knows just how unique you are. The cost of communicating your uniqueness is far less than the sales opportunities you’re missing.

Are you that delectable rocky road fudge ice cream or that plain old vanilla relegated to the back of the freezer case?

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Discover Upscale Consignment and Amazing Values at Next To New


With the renewed economic optimism we are all experiencing today, consumer shopping trends are quickly being redefined. Today’s trendy consumers are discovering the growing popularity of upscale women’s consignment boutiques when shopping for the latest fashions. Not to be confused with clothing thrift stores, upscale women’s clothing shops serve two purposes: They represent a source of revenue for women wishing to recycle their gently used, quality clothing and accessories they may no longer wear, and for other women, they are a source of fashionable, high-quality women’s skirts, blouses, dresses, gowns, handbags, and jewelry at just a fraction of their original cost.

A perfect example of one such upscale consignment boutique is Next To New, located at 7212 Kingston Pike, next to Olive Garden and adjacent to The Bed Store. Next To New founder and owner, Jackie Bivens, always delights in the response that first-time visitors have to her shop.

“If your passion for fashion outweighs your budget, we can help you rebalance your budget with Next To New’s higher-end labels, in near new condition, for 50-85% off their original retail prices,” said Jackie. “It’s really the smartest way to shop and a smart way to make money on those unused designer-inspired fashions, jewelry, handbags, scarves, and shoes in your closet. With consignors such as Knoxville’s socialites literally emptying their closets, our merchandise is better than ever, including a fantastic selection of plus sizes. You’re certain to find many undiscovered treasures at Next To New.”

Whether you have some fashionable, gently used, or never worn items just hanging around the closet that are looking for a new owner, or if you’re searching for that “just perfect” apparel item, jewelry piece, handbag, purse, or much more while keeping your budget intact, plan a visit to Next To New, the perfect location to find amazing items at even more amazing prices. Also, for a limited time, take advantage of additional savings with our “Hello Tuesday” special offer and save an extra 10% on all cash sales every Tuesday.

Next To New
7212 Kingston Pike
Knoxville, TN 37919
865.584.2878
www.NextToNewKnox.com

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Granite Transformations


Transform Your Ordinary Bath into a Spa

By Buddy Baker, Co-Owner of Granite Transformations

Imagine beginning every day with a visit to your favorite spa, where you immerse yourself in the ambiance of both peace and tranquility. Sound impossible? Perhaps, but not if you were to transform your home’s traditional bath into a spa-like setting where you can experience the sheer bliss of your very own spa. For far less than you might imagine, you can have the same luxurious spa experience in your own home.

At Granite Transformations, we have been helping area homeowners transform ordinary bathrooms into their very own spa, where you can boost your mental and physical energy every day before you begin your busy day. And at Granite Transformations, the process is easier than you might have imagined by combining our extensive experience in creativity and craftsmanship.

It all starts with a design. Our in-home design consultants will work with you to help transform your dreams into your reality. Next, our team of expert installers will complete your project in just a matter of days and often in as little as one day. Finally, we back up your new project with Granite Transformations’ lifetime limited warranty.

A complete turn-key experience, Granite Transformations offers you a variety of engineered surfaces, including quartz, granite, recycled glass, and mosaic tiles. Infused with our patented ForeverSeal® Technology, our surfaces offer greater strength, seal-ability, and durability than competitive surfaces, resulting in far less maintenance.

Here is something else to consider. According to Houzz.com, “Buyers love the allure of a fresh, beautiful bathroom that reminds them of luxury hotels or soothing spas.” Not only are you able to enjoy your very own in-home spa, but you will be enhancing your home’s value and marketability.

So what’s the next step? Simply call Granite Transformations today to schedule your free, no-obligation, in-home consultation. Oh, and don’t forget the aroma therapy candles.

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Create that Showcase Gourmet Kitchen Look

By Buddy Baker, Co-Owner of Granite Transformations

The person who wrote “a man’s home is his castle” was no doubt a man. Thirty-three years of marriage has taught me otherwise. As a husband, dad, and grandfather, I’ve learned that our home is far more than a place to sleep. Our home has become a family gathering place full of past memories and an entire future of memories yet to be experienced. I’ve also learned that no matter where we entertain our guests, they seem to like our kitchen best.

Despite all of the planning that my wife, Patti, and I have put into our home, our kitchen inevitably becomes the gathering place for our guests. And in anticipation of this fact, we designed a kitchen that is a friends and family gathering place yet retains that showcase gourmet look that we’re so proud of and that adds significantly to the value of our home.

One big advantage that we had in designing our home’s kitchen is that we really put our extensive experience as owners of Granite Transformations to work. Our kitchen was designed to be both safe and durable. We used Granite Transformations’ engineered granite countertops that never need sealing, unlike conventional slab granite countertops. And unlike slab granite, ours are NSF certified and don’t emit potentially harmful gases such as radon.

Designed by our own in-house design consultants, fabricated in our own Knoxville manufacturing facility, and installed by our own experienced craftsmen, our kitchen is both beautiful and, more importantly, safe and durable.

If you would like to transform your ordinary kitchen into that gourmet appearance that you’ve been dreaming of, why not let my family help your family discover the Granite Transformations’ difference? With our wide selection of quartz, granite, recycled glass, and mosaic tiles, we can help you transform the ordinary into extraordinary.

Granite Transformations
10539 Lexington Drive
Knoxville, TN 37932
865.622.2381
www.granitetransformations.com/knoxville

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Driven Technologies


Driven Technologies

When Tennessee Urology Associates IT Manager/Compliance Officer, Scott Hawkins, undertook the challenge of identifying a new IT managed service provider, little did he know that his investigation would lead him to Driven Technologies, a sister company of Chattanooga-based MSA Digital, which was founded in 1974 solely as a copy machine sales and servicing dealer. Having recently relocated from Indianapolis, Scott was unfamiliar with the area’s managed service providers. But after interviewing a number of providers, he found himself intrigued with Driven Technologies. Although smaller than other providers, Driven Technologies appeared both more agile and responsive to the growing computer network requirements.

Tasked with the responsibility of maintaining a network system that supported a large staff of medical care providers in seven separate offices, Driven Technologies has exceeded the expectations of Scott and Tennessee Urology Associates’ many users. Cost-effective, secure, and predictably reliable, Driven Technologies proved to be the ideal solution for Tennessee Urology Associates.

In this issue of Everything Knoxville, We are pleased to provide this interview with MSA Digital’s Knoxville-based Technology Consultant, Yvonne Malewski.

EK: Tell our readers just what a managed service provider is and what critical services they provide.

Yvonne: From individualized services to full-scale managed solutions, Driven Technologies helps businesses manage their technologies better and more efficiently. With a truly holistic approach to partnership, we’ve built our company on keeping the business goals of our customers in mind while constantly adding value through all phases of projects and across all major technology verticals. This can range from your one-person operation to 1,000+ employees.


EK: Some businesses with larger networks, often spanning multiple locations, rely on their own internal resources to provide these computer network services. Describe the recent trend for a growing number of companies to outsource these responsibilities to an independent managed service provider like Driven Technologies.

Yvonne: We are definitely seeing a trend in IT now towards innovation, utilizing various tools and alternative strategies such as cloud and managed services. The cloud can be utilized for many things, including application as a service and data center/network resources. Managed services can be utilized to support and augment the existing IT organization and, in some cases, provide additional cost savings.

The reasons for the shift towards managed services specifically starts with a simple question: Can we benefit from IT support provided by individuals located outside of our organization, and if so, is there a cost benefit to doing this as well? That’s a great question, but to frame it properly, let’s first talk about what business trends are pushing IT employees and how IT staff is facilitating the trend.

Uber, the world’s largest taxi service, doesn’t own any taxis. Airbnb, the world’s largest hospitality group, doesn’t own a single hotel. Facebook, the world’s most popular media owner, doesn’t create content, and Alibaba, the most valuable retailer, has no inventory. These innovations are fantastic and create new opportunities for organizations to go to market and engage with their customers in many new and exciting ways. Technology innovations are also allowing organizations to conduct business internally in new ways, as well allowing 61% of the work force today to work remotely. Providing mobility on campus through ubiquitous wireless coverage and allowing individuals to bring their own devices to work are now expected by employees, guests, and contractors.

So how are IT organizations keeping pace with supporting far more devices, providing access to more robust applications, preparing for disaster recovery and back-up solutions, and defending against cyber threats, all while being asked to reduce cost? The answer is difficult and unique to each organization and requires many things, including additional training and research, use of centralized management tools, improved network and data center design and architecture, use of automation, and a great support structure.

The problem is that in smaller organizations (a couple of hundred desktops or less), you’re talking about a one to three man IT shop where each person wears many hats and is already maxed out in time and day-to-day responsibilities. Where are they going to get the time to learn all of these new skills, where’s the budget for all of the new tools and classes, and what happens if one of these key employees gets frustrated and leaves, taking their knowledge about the environment with them? Filling that gap and losing that knowledge base can be detrimental to the business. In many cases, the answer is to partner with a managed services provider to manage a piece of the IT infrastructure so the team can be more strategic and focus on the more difficult and meaningful projects like virtualization, network and data center upgrades, re-architecting the current network or DC for optimization. In other cases, an IT organization might say “we have expertise in some areas like desktop management, network and data center implementation, and support; however, we require assistance in designing and supporting our wireless infrastructure and security.”

There is no one answer, as every organization is unique in the skills that they currently have and strategy that they employ, but utilizing an outside service to fill the gaps in personnel where needed can help add additional expertise where needed, provide relief to an already overstressed and overburdened organization, and be a fall back plan for a business and a receptacle for knowledge transfer in the event that they lose a key IT employee.

EK: Driven Technologies provides an extensive list of critical services necessary to meet the growing needs placed on your clients’ growing computer networking demands. Describe several of the most important services that you provide.

Yvonne: Driven Technologies has a number of services we provide. We classify each in its own Technology Vertical and provide managed service, proactive monitoring, and support, as well as project related services. These range from SECURITY (firewalls, policy, social engineering and penetration testing), DATA CENTER (server storage, disaster recovery, load balancing/application delivery), NEWTORKING (routers, switches, design, SDN/SD-WAN), WIRELESS (AP’s, Per/Post mapping, security configuration), and MANAGED SERVICES (support account all verticals, custom support agreements, patch management).

EK: How has the growing public concern for security and privacy, not to mention liability, changed the manner in which you address these issues with your clients?

Yvonne: Security is on the top of everyone’s radar these days. Cyber hackers are getting more sophisticated, targeted in their attacks, and professional in their approach every day, and it is very difficult and likely impossible to prevent a well-funded cyber attacker from breaching the walls of their target.

If an organization is interested in optimizing their security dollars and partnering with someone who focuses on security solutions as a whole and not just selling hardware and software to provide security solutions, they will often employ the services of a security based managed services provider. When choosing a managed security provider, it is important to choose one that understands the security lifecycle process, the layered approach necessary to provide optimal security solutions, and one that is able to provide more than just one manufacturer’s security products.

EK: With the need to provide routine performance monitoring, preventative maintenance, optimization, and security backup management, it would seem that many businesses might lack the capacity internally to provide these services. Your thoughts?

Yvonne: That is correct! We talk to customers all the time that have some or all of the tools to facilitate some or all of these functions but don’t have the time or personnel to provide the care and feeding that these tools require. Sometimes we find that the tools that they have are outdated or were never really installed and integrated properly, so they’ve not been useful to the organization in a meaningful way. In other words, the systems are there, but the human resources required to operate them are not, or vice versa. This is where a managed service partner can provide a tremendous amount of value by delivering a current relevant tool set or personnel to support these needs.

EK: What size networks does Driven Technologies support, and how can a company or organization that might have use of your managed services learn more?

Yvonne: Driven Technologies provides services to businesses from 20 desktops to Fortune 500 companies. Some of our customers require remote support only, and others require a combination of full-time or part-time on-side support. We provide project related services, managed services, and sell hardware and software solutions to help our organizations achieve their business goals. Driven Technologies can often save a customer a tremendous amount of money, provide additional expertise and support to their current IT team, and facilitate business growth through technical solutions while protecting the organizations from cyber threats and increasing uptime and availability.

To learn more, you are encouraged to visit www.driventechmsa.com or contact Yvonne Malewski at Driven Technologies of MSA – Knoxville at 865-323-2459. Additional offices include Chattanooga, Atlanta, Dalton, and Houston.

Driven Technologies of MSA – Knoxville
865.323.2459
www.driventechmsa.com

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CH Interiors & Gifts


The Best of Both Worlds: CH Interiors & Gifts and Knox Graphics & Designs

By Jesse C. Boling

This month I’m excited to announce the launch of a brand new companion business to CH Interiors & Gifts called Knox Graphics & Designs. Both family owned businesses will share the same retail space at 12556 Kingston Pike in Farragut.

While most people will associate me with our family owned and operated business, CH Interiors & Gifts, most of you are unaware that I’m a graphic designer and previously owned an area graphic design business. With a strong desire to pursue my passion for graphic design and to continue to offer the unique home décor items and gifts that CH Interiors & Gifts has become so well known for, I’ve decided to pursue both opportunities.


This Valentine’s month at CH Interiors & Gifts, you’ll discover our exciting new lines of beautiful spring décor that will be arriving each week. We’ve also just returned from market, so expect to see some new décor and gift lines, including some savory new gourmet food items. And yes, we’ll continue to feature our ever-popular Raspberry Jalapeño Jam. To date, we have sold a record breaking 10,000+ jars. Other items featured include primitives, colonial, folk art, Americana furniture, quilts and linens, rugs, candles, cards, florals, custom wood signs, jewelry, scarves, lotion, gift baskets, and more.


At the newly launched Knox Graphics & Designs, you’ll discover everything from signs and banners to t-shirts. If you’re looking to make your business stand out in the crowd, we can help with signs, banners, vehicle wraps, vehicle graphics, marine graphics, window decals, t-shirts, embroidery, and more. Knox Graphics & Designs can help you design, create, install, and maintain all of your business’ graphics, as well as create logos, web designs, business cards, brochures, and just about any marketing materials you can imagine.

Whether for your home or your office, you can now enjoy the best of both worlds with our companion companies, CH Interiors & Gifts and Knox Graphics & Designs.

CH Interiors & Gifts
865.288.7887
www.cranberryhollowgifts.com

Knox Graphics & Designs
865.335.7270
www.knoxgraphicsdesigns.com

12556 Kingston Pike
Knoxville, TN 37934

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Marsh Professional Group


Helping Your Aging Parents

By Yvonne Marsh, CPA, CFP®

The passage of time can catch you off-guard – years fly by, and suddenly you realize that your parents might need help when it comes to managing their finances.

Whether that time is imminent or somewhere in the unknown future, a critical first step is simply having a conversation with your parents about their finances. Make sure you are covering these topics:

» Bill paying: Do they have enough current income to pay their bills, and do they have a process to make sure payments don’t accidentally get missed? This is especially important for annual life insurance or long-term care insurance premiums. Policies they have been paying for years could lapse due to non-payment.
» Do they have critical legal documents in place? We all think of a will as important, but do they have a financial power of attorney that will allow someone to act in their place if they are incapacitated? How about a living will and a healthcare power of attorney?
» Do they have long-term care insurance that can help pay for their care later in life? It’s good to know what your financial responsibility might be in the future if they haven’t made any long-term care plans.
» Are their IRA beneficiary designations up to date? Keep in mind that beneficiary designation forms are the “will” for IRA accounts. Additionally, there are critical tax consequences when IRA accounts are passed to the next generation without properly completed beneficiary forms.
» Do you know where their investments and life insurance or long-term care insurance policies are? I have witnessed first-hand how hard it will be for you – as the adult child financial caregiver – if you have to search for this information.
» Are accounts titled in such a way that the will would be circumvented? For instance, if your mom has a joint bank account with your sister, your sister will own the entire account at your mom’s passing, no matter what the will says.

Talking about money with your parents can be tough, but who knows? They might be waiting for you to start the conversation. Visit www.marshpros.com/info to obtain a free copy of our white paper discussing this topic in more detail, or call us today for a complimentary meeting.

Marsh Professional Group, LLC
1341 Branton Blvd, STE 105
Knoxville, TN 37922
865.622.2162
www.marshpros.com

Financial Planning & Investment Advisory Services are offered through Marsh Wealth Management, LLC (“MWM”), an independent investment advisor registered with the state of Tennessee. Yvonne Marsh is an Investment Advisor Representative of MWM in the state of Tennessee. Marsh Professional Group, LLC and MWM are separate legal entities. For a detailed discussion of MWM and their investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov.

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