Marsh Professional Group

The Transformation of Retirement Planning

Marsh Professional GroupRepresenting the combined experience of a dedicated group of professionals from the worlds of accounting, finance, insurance, taxes, legal, and retirement planning, Marsh Professional Group offers clients an uncommon level of expertise, whether they are planning for retirement or already enjoying retirement. Due to the many moving parts inherent in retirement planning – including Social Security, Medicare taxes, long-term care, retirement funds, investing, and wills, to name a few – a piecemeal approach to retirement can leave gaps in the best intentioned plan. They recognize that making a plan for living in retirement requires comprehensive strategies that are different than simply saving for retirement. Whether your vision for retirement includes freedom, family, security, or adventure, their integrated approach allows them to craft a financial plan as unique as you are.

Everything Knoxville is excited to share with you our recent interview with financial planner and CPA, Yvonne Marsh. Yvonne is also the co-founder of Marsh Professional Group along with her husband, Michael Marsh, CPA.

EK: We typically think of CPAs as tax accountants. How did you get into retirement planning?

Yvonne: The first part of my career was with a national accounting firm auditing banks and investment portfolios, and I enjoyed it very much. But as I watched my parents work through their own retirement planning, and my aunt unexpectedly lost her husband very early in her retirement years, I realized that retirement planning was how I could take my investment and tax expertise and help retirees plan for a comfortable, secure retirement. So I went on to get my Series 7 and 66 investment licenses and my insurance licenses, along with my CPA designation, and transitioned into financial planning and money management. I really love helping people find the answers to their questions – whatever they may be.

EK: While most people appreciate the necessity for retirement planning, they are often overwhelmed by competing messages from the hundreds of “experts” offering to assist them. What advice can you offer them?

Yvonne: Look for someone you can relate to. It’s an important relationship that can continue for many years, so take the time to understand not just the technical approach to their financial planning, but how they relate to you as a person. Do they explain concepts in understandable terms? Do they take the time to understand what’s important to you? A favorite part of my job is really getting to know my clients and establishing strong relationships. I want them to be able to pick up the phone and call me about anything – financial or not. I also find that husbands and wives are looking for a financial planner they can build a relationship with and that can continue on for the surviving spouse, which statistically is going to be the wife. I take great pride in the trust those relationships represent.

EK: There are a great many disciplines involved in creating a retirement plan, including taxes, legal, financial planning, medical, long-term care, and estate planning. How is your comprehensive approach to retirement planning unique, and how do your clients benefit?

Yvonne: Traditionally people might have separate professionals providing investment advice, preparing tax returns, and providing legal advice for example. But those advisors aren’t talking to each other. Is the investment advisor thinking about the tax consequence of his advice? Has the attorney made sure the IRA beneficiaries match the intent of the will? We know the importance of an integrated team that is looking at a client’s whole financial picture, and that’s exactly what we have at Marsh Professional Group. Tax, investment, legal, insurance, and planning – all under one roof. And we talk to each other!

EK: I know the word “comprehensive” may intimidate some of us, but share with our readers why your comprehensive approach may actually be simpler, resulting in greater peace of mind than the piecemeal approach chosen by many.

Yvonne: I think the number one thing I hear from clients after I’ve finished their financial plan is that they are relieved. They can see how everything fits together and how much income they can reasonably expect in retirement. Before I begin, I have my clients rank their concerns from least to most, and I make sure their plan addresses every concern they have. My overriding goal is to translate complex topics into understandable terms that makes sense to everyone.

EK: So once they have their plan, how do you help them implement it?

Yvonne: That’s where our integrated team comes into play. I am proud to say we are an independent, fiduciary fee-based planning firm, and we can meet people wherever their needs are – flat-fee based money management, tax return preparation, tax minimization strategies, finding the right insurance for Medicare, life or long-term care, or helping them get their wills and financial powers of attorney updated.

EK: You’ve been quoted as saying that “living in retirement requires different strategies than saving for retirement.” Explain.

Yvonne: Saving for retirement is pretty straightforward – we are all familiar with 401(k) plans, IRAs, etc. That is the realm of a traditional financial advisor. But we answer the fundamental question of “Now what?” as pre-retirees approach that transition point in life where they have to live on whatever they have saved for retirement. For example, investment choices should be driven by time, rather than account title. Investments used in the first phase of retirement should be more conservative than investments used in the second phase and beyond. Most people come to me with their entire retirement savings invested as one big pot, rather than carved out by time. I show them how to rethink that strategy.

EK: Tell our readers about the special Social Security and Medicare services offered by Marsh Professional Group.

Yvonne: Fundamental to “living in retirement” is learning how to maximize your Social Security benefits and minimize your Medicare costs. For example, many people aren’t aware of how to take advantage of SS spousal benefits – whether you are married, divorced, or widowed. I use software that allows me to analyze each client’s unique situation and show them how to maximize their benefits. For example, one couple was missing out on $1,000/month in spousal benefits, and another divorced widower had never claimed his ex-spouse survivor benefit. Medicare is such a specialty that we’ve hired an insurance specialist dedicated to helping our clients understand all of their Medicare options. Because we are independent, we can look across all companies and find the most competitive rates. We are able to consistently save retirees money.

EK: You also offer an innovative approach to long-term care that most of our readers will be unfamiliar with. How does that work?

Yvonne: Retirees need a solution for long-term care costs that Medicare doesn’t cover. Let’s face it, traditional long-term care insurance has some drawbacks – it’s somewhat expensive, the premiums increase as we age, and no one likes the “use it or lose it” idea of paying premiums year after year. I prefer to use asset-based long-term care in my financial planning. It is an investment, not an expense. You simply reallocate a portion of your savings into an insurance vehicle that provides a multiplied amount for long-term care, a death benefit to your heirs if you never use it, or a cash value if you change your mind. It’s a great way to protect your investment portfolio from health care costs without “spending” precious resources on traditional long-term care insurance.

EK: What else makes your firm unique in the marketplace?

Yvonne: An important part of our mission at Marsh Professional Group is financial education. We host a monthly lunch ‘n learn for current and prospective clients, plus I regularly speak at civic groups, senior centers, and investment clubs. I’m a firm believer that knowledge is power, and giving people confidence as they enter their retirement years is important to us.

EK: How can our readers learn more about Marsh Professional Group?

Yvonne: Just give us a call and set up a complimentary one-hour meeting. It’s the best way for us to get to know each other. I can learn about their unique situation and see if we might be of help. Or RSVP to our next lunch ‘n learn, or email general questions to our Client Service Manager at

Marsh Professional Group
1341 Branton Blvd, Suite 105
Knoxville, TN 37922

Financial Planning & Investment Advisory Services are offered through Prosperity Capital Advisors, an independent, SEC Registered Investment Advisor located in the State of Ohio. Yvonne Marsh is an Investment Advisor Representative of Prosperity Capital Advisors in the state of Tennessee. Marsh Professional Group, LLC and Prosperity Capital Advisors are separate entities. For information about Prosperity Capital Advisors, contact the firm or refer to the Investment Adviser Public Disclosure website ( for a copy of Form ADV Part 2.  PCA does not provide tax or legal advice.

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2015 Holiday Open House


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Fancy Vents

Get Fancy for the Holidays

Having difficulty deciding on the perfect holiday gift for that special someone on your shopping list that already seems to have everything? The solution is simple… get fancy! Fancy Vents™, that is.

If that someone special on your shopping list that’s difficult to buy for is also a homeowner, consider this. The heating and cooling system of most every home requires one, and often multiple, fresh air returns. These large and, let’s be honest, unattractive mechanical fixtures detracts from your home’s décor, try as you might to disguise them.
Here is a perfect solution – a beautiful, hand-crafted Fancy Vent™ of ornamental iron that replaces the existing “commercial looking” air return.

Popular with home designers, Fancy Vents™ can be installed in every style home from traditional to contemporary. Easy to install by the homeowner using common household tools, Fancy Vents™ can transform the décor of any room in your home, creating a hand-crafted work of art that will be a conversation piece when guests visit.

Not sure how to go about selecting Fancy Vents™ for that special someone? You’ll be delighted to learn that Fancy Vents™ also offers gift certificates that will be sure to delight even the most discriminating person on your shopping list.

To learn more, visit Fancy Vents™ online at, or call their friendly, helpful, and knowledgeable consultants at 615-776-3023.

Get fancy for the holidays, and give the gift that will last a lifetime, reminding the recipient of your thoughtfulness.

Fancy Vents™

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Spa 9700

Welcome the Season at Spa 9700’s Open House

It’s hard to believe, but the holidays are almost here. At Spa 9700, we are ready to welcome you to our annual Open House. On November 12, 13, and 14, join us for food and fun while indulging in specials on services and in our retail boutique. 

Treat yourself to our one-hour hot stone massage for only $75 ($15 off our regular price) good Thursday and Friday only, available by appointment. Maybe the Arctic Berry Peel & Peptide Illuminating Facial is more what you had in mind. A fabulous anti-aging facial, normally $110, is available for $85 in November and December. During the Open House weekend, you’ll also get a free lip treatment with that facial! All other services, including nail services, are 10% off when you mention this article. Appointments are limited, so book yours early!

Of course Spa 9700’s Open House is always a great time to work on your holiday shopping list. We have so many new additions to our carefully selected retail offerings that you will want to spend lots of time with us just to make sure you don’t miss anything! All of your old favorites are still here, too! Why not make a wish list for yourself? New this year are old-fashioned grab bags. Simply choose a sealed bag priced between $10 and $50 and be surprised by what’s inside. There will be homemade treats for you to enjoy, and we are glad to package all your selections in our very popular gift bag. One more thing: This year, if you mention this article, you’ll get 10% off your entire retail purchase (with very few exclusions)!

So plan now to celebrate with us November 12, 13, and 14 in the “shops” of Franklin Square. For more details and updates, visit

Spa 9700
9700 Kingston Pike
Knoxville, TN 37922

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The Gentle Barn

Join Us in Celebrating a Gentle Thanksgiving

The Gentle BarnIf you enjoyed learning about The Gentle Barn-Tennessee in the September issue of Everything Knoxville, and if you share our dream of helping to rescue at-risk farm animals and heal at risk children, we would like to invite you to join us at a very special Thanksgiving event we call a Gentle Thanksgiving, which will be held on Thursday, November 26th, from 3 to 8 pm. A fun-filled event offering an alternative to a traditional Thanksgiving celebration, our Gentle Thanksgiving will feature a gourmet vegan dinner prepared especially for our guests by a local chef.

But that’s not all. You and your family will also spend the evening cuddling rescued turkeys and feeding them cranberries. Then participate in a Native American drum circle and silent and live auctions. Also, each guest will receive a swag bag.

Tickets are $100 per person and can be purchased at Space is limited.

Why not take a break from your old Thanksgiving events and start an entirely new family tradition that will give you a lifetime of fond memories for you and your loved ones?

The Gentle Barn-Tennessee

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Premier Eyecare

Would You Like to Wear Contact Lenses? What’s Stopping You?

Premier EyecareThere are many reasons why people give up wearing or don’t ever try wearing contact lenses. Comfort and vision are of equal importance when considering contact lenses. If both aren’t acceptable, it is easy to give up on contact lenses and rely on glasses alone for clear vision.

Traditional soft contact lenses and rigid gas-permeable lenses have each had their shortcomings when dealing with astigmatism and presbyopia. Soft toric lenses can shift on the eye, causing unstable vision. Rigid gas-permeable lenses can be uncomfortable. Now we have a much better option for those who have either given up on contact lenses or have not been happy with the vision or comfort they currently get from their contact lenses.

Duette Progressives are the latest generation of hybrid contact lenses that combine the comfort of soft lenses with the clear, stable vision of rigid gas permeable lenses. Duette Progressive’s rigid center delivers crisp, clear vision at all distances to let you focus on near objects, as well as enhancing intermediate and distance vision. With Duette Progressive, you can live focused… any time… any distance!

The primary requirements to be successful with contact lenses are clear vision, comfort, and health. Duette Progressives provide crystal clear vision at all distances, advanced materials that are highly permeable to oxygen and contain UV blockers, and are very comfortable for all-day wear.

For optimal success, it is best to find an eye doctor who is very experienced in fitting these types of lenses. Dr. Brent Fry of Premier Eyecare has fit more than a thousand patients with hybrid contact lenses during the past 10 years. He is currently one of a few select doctors in the country who is on the SynergEyes advisory board to help other doctors around the country learn how to fit these unique lenses. He is also a beta tester for a new hybrid contact lens developed for keratoconus. His experience and passion for fitting contact lenses provides an excellent opportunity for anyone in the Knoxville area looking to be free from glasses.

Premier Eyecare
11121 Kingston Pike, Suite A
Knoxville, TN 37934

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Veronica G Boutique

Fall has finally arrived in East Tennessee! Every year we anxiously await the beautiful change of colors and cooler temperatures after a long, hot summer.

For us at Veronica G Boutique, the fall season comes with the exciting, and much anticipated, arrival of daily deliveries of boxes at our back door, and opening them up is like Christmas every day. In each box, we rediscover the beautiful new items for autumn that we had ordered six months previously, which only adds to the excitement and the memories of the day we first selected each of these very special finds just for you.

You can make this your best year ever for your fall wardrobe with many of these new offerings of fun, fall colors in comfortable, flattering styles in tops, tunics, jackets, cardigans, and pants. Also, be sure to come in and check out some of our unique items featuring faux leather trim (one of this season’s hot trends) or our one-of-a-kind coats that are guaranteed to create a real fashion statement this winter.

For those very special people on your Christmas list, Veronica G Boutique is perfect for a stress-free shopping experience, offering unique jewelry, scarves, and so much more. Many of the items we feature are made right here in America and/or by other women owned businesses. Our “pursecase” (as seen on the ABC hit show Shark Tank), which we introduced at Veronica G Boutique last month, is rapidly becoming the number one seller for Christmas this year.

Come visit Veronica G Boutique soon, and let us delight you for the fall!

Veronica G Boutique
11655 Parkside Drive
Knoxville, TN 37934

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The Other Shoe

By Tom Irmen

Few of us, particularly small business owners, will forget the “Great Recession.” It taught us many valuable lessons, including that this recession was very much different from past recessions. In fact, many Americans are still reeling from its aftermath. However, there’s no denying that areas of the economy have improved significantly and that most small business owners are experiencing the positive impact of this very slow economic recovery.

Recently, however, there have been reports of reduced economic growth internationally with Chinese and European economies expanding at slower rates than originally forecasted, and we have begun experiencing significant volatility in our own equity markets. So just what does all that mean? Your guess is as good as mine. Even the experts can’t seem to agree. But one thing is for certain – people don’t like uncertainty.

My biggest concern is those entrepreneurs that responded slowly to the recession of 2007 may overreact to this current uncertainty. In other words, we risk overreacting, which could result in a renewed slowdown of our own making.

If your small business is built on a solid economic foundation and is following a well-thought out marketing strategy for the future, you have very little to fear. In fact, I can name companies that actually prospered during the last recession while their competitors floundered, and others failing altogether.

The real question confronting small business owners during periods of uncertainty is whether they should remain on course or assume the worst and “pull back.” There is very little evidence that those businesses that pulled back during the most recent recession prospered.

If the recent uncertainty in today’s marketplace has you wondering whether the other shoe is about to drop, your response to this uncertainty could produce unintended but far reaching consequences for your small business.

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Get Cozy with elle BOUTIQUE

elle BoutiqueFall is absolutely our favorite time of year for many reasons. We love the crisp, cool air, bonfires, football games, beautiful trees with their vibrant autumn colors, family gatherings, and more. Most of all, though, we love fall fashion.

Cooler temperatures require more layering pieces, cozy sweaters, stylish denim, and fabulous coats. That’s why we are so excited that this fall, the statement coat is having a major moment. From beautiful furs, to bold prints, to exaggerated floor dusting lengths, we are seeing it all from coat designers this season.

If you haven’t purchased your statement coat for the season, now is the time to prepare yourself for the colder months ahead. We have carefully selected the most beautiful, must-have styles and have them waiting for you at elle BOUTIQUE! Enjoy shopping our selection of coats at a variety of price points perfect for anyone’s budget. We are open Monday through Saturday from 10 am to 6 pm.

5508 Kingston Pike, Suite 130
Knoxville, TN 37919

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Institute for Female Pelvic Medicine

MonaLisa Touch®

Restoring Health, Renewing Hope

Institute for Female Pelvic MedicineMonaLisa Touch® is the most exciting and important technology advancement for female pelvic floor health in nearly 20 years. This office-based fractional CO2 laser therapy is restoring pelvic health and renewing hope for thousands of patients.

Breast cancer survivors are often unable to take estrogens and experience progressive difficulty with atrophy, vaginal dryness, pain with intercourse, and daily discomfort. This deterioration in quality of life is discouraging for patients who have already gone through great difficulty to beat their breast cancer. Such was the case for Carolyn Mitchell before treatment with MonaLisa Touch®.

“Shortly after my first MonaLisa Touch® treatment I noticed improvement,” said Carolyn. “I felt less dry and irritated and experienced more daily comfort. As time has passed, I am still enjoying the added improvement in bladder function and decreased urinary frequency. It is exciting that there is a treatment option available with no risk to all females, including breast cancer survivors.”

Lichen Sclerosus is a chronic inflammatory disease that causes itching, burning, pain, and scarring of vulvar tissue and often creates daily misery for patients. Other than topical steroid creams, there has been little else to offer these patients. Linda Wallace experienced four years of pain and difficulty in spite of using all conventional therapy before treatment with MonaLisa Touch® dual probe therapy.

“The MonaLisa Touch® has been a ray of hope in a desperate situation,” said Linda. “It has already stopped the terrible itching that Lichen Sclerosus causes, and my hope is for continued improvement with the MonaLisa Touch® procedure. My desire is that it will slow or, better yet, completely stop the progression of the condition so I can continue to have my already improved quality of life moving forward. I strongly urge anyone with Lichen Sclerosus to make an appointment with the Institute for Female Pelvic Medicine and discuss this with Dr. Dell or Dr. McCollum. It could be life changing for you, just as it has been for me.”

Nearly half of all women suffer from dryness and vulvarovaginal atrophy, now called Genitourinary Syndrome of Menopause (GSM). As the new terminology implies, urinary discomfort, urgency frequency, burning, and incontinence are often part of this condition. Even for patients who are able to use estrogen therapies, these symptoms are often not adequately treated. These symptoms often worsen progressively over time.

Lisa Hardin, an active, healthy wife and mother, experienced many of these symptoms, and reduced overall quality of life was the result. Having had only the first of three office-based treatment sessions thus far, she is already noticing significant improvement.

“When something sounds too good to be true, it usually is,” said Lisa. “This was my first thought while researching the MonaLisa Touch® as a treatment option for my menopausal symptoms. I couldn’t believe that three easy, quick, and painless treatments could improve my quality of life so much. My homework led me to Dr. Dell at the Institute for Female Pelvic Medicine. Dr. Dell’s impressive credentials in this field of female pelvic medicine, along with his nationally recognized expertise as one of only three training centers in the United States for the MonaLisa Touch® procedure, confirmed my decision to have this treatment at the Institute. No regrets here; I am more than thrilled with the results already!”

To learn how MonaLisa Touch® can restore your health and renew your hope, call 865-769-4488 or visit

Institute for Female Pelvic Medicine
10133 Sherrill Boulevard, Suite 100
Knoxville, TN 37932

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