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Gent Heating & Cooling

“Comfort Promised… Comfort Delivered!”

By Shane Gent, Owner of Gent Heating & Cooling

The choices you have available to you when you require the assistance of a heating and cooling contractor are likely far more than you might have imagined. But if years of service, training, and experience matter – and they should – the available field narrows rather quickly.

With energy costs skyrocketing, efficiency should be your number one priority. That’s why you should select a qualified heating and cooling contractor with the years of training and experience needed to help you to achieve your HVAC system’s optimal performance.

Every heating and cooling contractor can make your home’s HVAC system respond to signals from your thermostat. But sadly, that’s the highest level of service and efficiency that many customers experience.

With 30 years of experience, Gent Heating & Cooling provides an unprecedented level of customer service that most home and business owners no longer thought existed. We are a full-service company that will maintain your system to operate at its maximum efficiency, provide fast, courteous, and affordable repairs, and replace your existing HVAC when necessary with a new, state-of-the-art, high-efficiency unit that is guaranteed for up to 10 years.

In addition to maintaining your system to operate at its peak efficiency, thereby lowering your energy costs, Gent Heating & Cooling has the expertise in replacing your old and worn out HVAC system. We offer you a wide variety of cost-effective choices, including Trane, Carrier, and Amana, in addition to the all-new comfort solutions from Mitsubishi Electric that offer incredible efficiency, zone control, and air quality. Our Bosch geothermal heat pumps offer the ultimate in Eco-friendly systems. This technology uses the relatively constant temperature of the earth (thermal energy) to provide heating, air conditioning, and hot water. Our backup generators from Honeywell can provide the backup power needed for those unexpected power failures, available in both natural gas and propane models.

Many homes and businesses today, which are equipped with older, less efficient HVAC systems, can significantly reduce their energy costs when replacing these units with today’s high-efficiency units. In fact, it’s possible to reduce energy costs by as much as 50% depending on the age of your existing unit and the new replacement unit you select, allowing you to recover your investment in far less time than you might have imagined.

If you’re tired of rapidly increasing heating and cooling costs, or if your current HVAC system just isn’t operating as well as it used to, then I invite you to experience the Gent Heating & Cooling difference. Call to schedule your no-obligation, in-home consultation today.

Gent Heating & Cooling
865.247.5092
www.gentheatandcool.com

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Pinnacle Assisted Living

“She Just Liked to Have Her Nails Done”

Family members faced with the difficult decision of selecting an assisted living community for a loved one often discover that this experience can become one of the most challenging decisions of their lives. When we genuinely care for someone that requires the additional and much needed care that is unavailable at home, we often begin searching for a senior assisted living community that is both safe and can provide for our loved one’s current and future needs.


Pinnacle Assisted Living in West Knoxville near Lovell Road and Pellissippi is Senior Solutions Management Group’s newest community specializing in providing highly personalized care for each of its residents. Their trained and experienced care staff is available 24 hours a day.


“Each member of our care team was hand selected,” said Leslee Wilkinson, Pinnacle Assisted Living Executive Director. “Experience was important, but they must have a heart for their chosen profession and for each of our residents. I would trust each of our care team members with my parents.”



Pinnacle Assisted Living, which opened last month, is a beautiful, state-of-the-art senior living community located in a peaceful setting in West Knoxville. It features a community center that provides for resident dining, enriching activities, social programs, and a variety of other activities. Amenities include large, private and companion-style suites, zero entry showers, homestyle cooking and dining, medication management, emergency response system, beautifully landscaped courtyards, housekeeping, linen, and laundry services, safe and secure 24-hour staffing, beauty and barber salon, on-site therapy, and respite care.

“The service we provide extends far beyond our physical spaces,” said Leslee. “Your loved one is a member of our family as well. We enjoy learning about your family member, because we have a heart for each of our residents. And we enjoy spoiling them.”

“One of our residents was somewhat withdrawn,” said Christina Hampton, Community Relations Director. “But with time and patience, we discovered that she enjoyed having her nails done. It was truly amazing to see how this simple gesture transformed her and lifted all of our hearts.”

“It’s been said that people don’t care how much you know until they know how much you care,” said Leslee. “At Pinnacle Assisted Living, you will discover the quality of life experience that is second only to your own home.”

To learn more, call 865-444-1451 or visit www.pinnacleknoxville.com.

Pinnacle Assisted Living
10520 Waterville Lane
Knoxville, TN 37932
865.444.1451
www.pinnacleknoxville.com

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New Tax Law Strategies

By Yvonne Marsh, CFP®, CPA

Updating financial and tax strategies are always important, but with the implementation of the Tax Cuts and Jobs Act in 2018, it is essential. The biggest change for all taxpayers is the increased standard deduction to $12,000 for singles and $24,000 for joint filers. The additional $1,250 for ages over 65 remained.

Consider grouping your itemizable expenses into one year so that every other year there are enough expenses to itemize.  For example:

Medical Expenses Itemization

If possible, have medical procedures concentrated into one tax year.  For 2017 and 2018, the threshold for itemizing medical expenses was reduced to 7.5% of Adjusted Gross Income.  In 2019, it returns to 10% of AGI.

Property Taxes

Pay two years of assessed property taxes in one calendar year.  The deduction for all taxes paid – state and local property and income taxes – is now limited to $10,000.

Charitable Giving

» Concentrate your charitable giving into alternating years.

» Establish a donor-advised fund. It is an easy process to set up your own charitable fund with as little as $5,000. Donate to it every other year to group your itemized deduction and have the fund disburse its charitable gifts evenly every year. You can make gifts of as little as $250.

» Qualified Charitable Distributions (QCDs) become imperative for those over 70½ taking Required Distributions (RMDs).  Direct your IRA custodian to disburse some portion of your RMD directly to your charity/church to exclude that amount as taxable income.

The new law also changed the “kiddie tax” rates so that investment income earned by minors will be taxed at Trust tax rates – a whopping 37% tax once investment income reaches $12,500.  You may think this doesn’t matter to you, but think again. I often see IRA beneficiary forms set up incorrectly so that a minor could ultimately inherit an IRA.  And, you guessed it – it’s considered investment income that is subject to these new rates.  Now is the time to review all of your pre-tax account beneficiary forms.

If your current advisor isn’t talking with you about these important changes, talk with us instead.  Call, email, or visit our website to schedule a complimentary meeting today.

Marsh Wealth Management, LLC 

1341 Branton Blvd, Suite 105
Knoxville, TN 37922
865.622.2162
admin@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 is a TN registered public accounting firm and a separate legal entity from MWM. 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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Simple Tasks for a Better Financial 2018

By Rick Moore Macc of Financial Partners of TN, LLC

With every new year our thoughts routinely turn to potential enhancements we might make improve both our personal long- and short-term financial plans. Here are four recommendations that you may wish to consider that could positively impact your finances in 2018.

1. Define Your Goals
We all have financial objectives that we would like to act on, such as paying off debt, increasing our savings, and investing more of our income. But in the absence of well-defined and written goals, you’re left with little more than good intentions. The key to success is to establish written goals and to hold yourself accountable. Create a budget and begin tracking your expenses. Decide which debts you would like to pay down or eliminate, and then allocate the necessary resources to accomplish your objective. Finally, establish a target savings amount needed to provide for your future retirement.

2. Create an Emergency Fund
Life is full of surprises and unplanned events such as unforeseen medical emergencies, unplanned home maintenance, or costly auto repairs. To avoid taking on new debt or facing penalties from withdrawing needed funds from your retirement account, create an emergency fund. A good rule of thumb is to set aside between three to six months of expenses for your emergency fund.

3. Take Advantage of Free Money
While most of us take advantage of employers matching 401(k) programs at work, there may also be other incentivized savings programs available that you can take advantage of. Talk to your human resources department at work about Flex Spending Accounts or Health Savings Accounts. Both types of accounts allow you to save money for health expenses with the added benefit of tax deductibility.

4. Understand Your Own Human Nature
We are continually being bombarded by marketers trying to entice us into the investing our hard earned money into the “best opportunity of a lifetime” or other “ground floor” opportunities. Avoid the temptation to listen to the investment advice from family, friends, or news reports. And, most importantly, avoid the temptation to experience immediate gratification by tapping into your retirement savings. Stick to your plan.

Following these four steps can provide you with the financial peace of mind that evades many of us during our lifetimes. It’s your decision.

For more information on this and other financial topics, contact Financial Partners of TN, LLC at 865-558-8182.

Financial Partners of TN, LLC
2100 White Avenue
Knoxville, TN 37916
865.558.8182
www.financialpartnerstn.com

Securities and advisory services offered through LPL Financial, a Registered Investment Advisor, member FINRA/SIPC. Insurance products offered through LPL Financial or its Licensed affiliates.

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Success in Buying and Selling a Home Begins with Your REALTOR®

By Jesse C. Boling, REALTOR® at Exit Real Estate Professionals Network

Some people wear two hats out of necessity, but I wear three hats out of personal choice. I’ve been blessed in many ways, particularly as an entrepreneur. At a very early age, I was introduced to the world of self-employment by my mother and father. It was a fascinating, fast-paced experience for which I became enamored with. My first venture as an adult, CH Interiors & Gifts, was launched in 2013, followed by my second business, Knox Graphics & Designs, in 2017.

I learned early on first to successfully differentiate myself from the competition and secondly, to find like-minded staff who shared my vision to provide a high level of personal service often lacking in today’s business world – a level of service that meets needs and fosters trusting, lasting relationships. More recently, after having made a personal inventory of the most positive characteristics I’ve been successful at developing during my time as a self-employed entrepreneur, I came to the conclusion, along with the concurrence of several trusted mentors, that these skills would serve me well in the real estate marketplace as a REALTOR®. In fact, I recently joined Exit Real Estate Professionals Network in Knoxville.


I am committed to using my hard earned skills to offer each of my clients a level of service and expertise that you might have thought no longer existed today. By listening carefully and relying on the exceptional resources of Exit Real Estate Professionals Network, I look forward to helping both buyers and sellers achieve their individual goals. At the same time, I look forward to forging the lasting relationships that I have come to enjoy during my hears in business – an experience that has led to the creation of thousands of business contacts that I am confident will serve both myself and my real estate clients well in the future.

Thanks entirely to my outstanding associates at CH Interiors & Gifts and Knox Graphics & Design, you will continue to enjoy the exceptional service that you have come to expect, even as I pursue my real estate career. If in the New Year you are considering buying or selling a home, I hope you will consider asking me to represent you. Give me a call at Exit Real Estate Professionals Network at 865-383-3948 or my cell at 865-335-7270. I look forward to the opportunity to serve you and to exceed your expectations.

Jesse C. Boling, REALTOR®
Exit Real Estate Professionals Network

865.383.3948 office
865.335.7270 cell
Jesse.FindKnoxvilleHouses.com

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Make Sure Fido is on Santa’s List, Too!

Our pets want to be included in our family Christmas fun. Dog toys have many benefits besides entertainment to deter pent-up energy. Toys alleviate the temptation to damage household items and reduce stress, helping to prevent behavioral problems. Safety in toy selection should be your top priority.

In selecting the best toy for your dog, dimensions are important. If it’s too big, your dog will have trouble holding it in their mouth and paws. If it’s too small, the toy may become a choking hazard. Next, consider the materials and construction of the toy. If your dog is one to cuddle his toys, a stuffed toy may be the perfect complement to their personality. If your dog likes to roughhouse, look for durable materials that will stand up to their rough-and-tumble playing. Keep in mind that all dogs are different. Fido may prefer a simple ball, while Rex requires a complex puzzle to keep him engaged. It’s also a great idea to have several different toys for your dog’s enjoyment, as boredom is less likely to set in.

Dogs are “pack animals.” The bonding and socialization process is accomplished through playtime. Treats come into play also. Assure the safest, most nutritious ingredients are in your treats. Homemade treats are your best option. Only homemade, healthy treats are served to guests at Ms. C’s. Through proper playtime and treat dispersion, your dog will develop a deeper bond with you and be a happy member of your family. There is simply no substitute for companionship.

Play smart, play safe, provide nourishing treats, and above all, love your pets like family! Merry Christmas to one and all!

Ms. C’s Bed & Biscuits
2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325
www.MsCsBedandBiscuits.com

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Climb the CD Ladder to Higher Interest Earnings

By Yvonne Marsh, CFP®, CPA

We all need “safe” money in our investment strategy: Money kept in FDIC insured bank accounts for our emergency funds or perhaps parked on the sidelines waiting for a market correction.  FDIC insurance gives us peace of mind – insuring up to $250,000 per depositor at each bank.  But it’s painful watching your bank savings earn a mere pittance, all while inflation is averaging 2.2% and you’re losing purchasing power.

Want a quick solution to increase your bank interest earnings?  Enter the CD ladder.  A certificate of deposit (CD) is an FDIC-insured bank deposit where the bank guarantees you a rate of return for a given period of time.  The longer the period of time, the higher the interest rate. Of course the challenge in this low rate environment is who wants to lock in an interest rate for a long period of time when interest rates could/should rise?  With a CD ladder, instead of investing $50,000 in one CD at a locked-in rate for 2 years, you invest $12,500 in 4 CDs, maturing in 6 months, 12 months, 18 months and 2 years.  Then every 6 months you have 1/4 of your portfolio coming due to reinvest in the prevailing interest rate environment, so you can ride the wave as interest rates rise.  Using today’s interest rates, a 2 year CD ladder can earn roughly 3 times more interest than a money market account earning 0.5% in that same time period. A 3 year, 4 year, or 5 year ladder earns even more.

Let us help you construct your CD ladder.  We can shop hundreds of FDIC-insured banks across the country to find the best rates and then buy the CDs all held within one account at our independent custodian, TD Ameritrade.  As the CDs mature every 6 months, you can decide to keep investing in the CD ladder, or have the money sent to you, or move it in the markets.  We’ll take care of everything for you.  Our annual flat fee for this service is $150, and you need at least $50,000 for the ladder to be effective.  Call, email, or visit our website to schedule a complimentary meeting and start earning more interest today.

Marsh Wealth Management, LLC
1341 Branton Blvd, Suite 105
Knoxville, TN 37922
865.622.2162
admin@marshpros.com
www.marshwealth.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 is a TN registered public accounting firm and a separate legal entity from MWM. 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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Ms. C’s Bed & Biscuits

Halloween Tips for Fido

This Halloween put yourself in your pet’s paws. Try to think like your pet would think!

Your pets can not differentiate Halloween from any other day of the year. Jovial, good fun can become a threat to your dog. Halloween guests may be perceived as intruders, making the best natured pets nervous, irritable, unruly, and possibly snapping.

Most dogs are happier in the quiet comfort of their home. On Halloween night, do not leave your dog in the backyard; there have been reports of taunting, feeding, agitating, and even poisoning on Halloween. A nervous dog will bark and howl at the constant foot traffic. Do NOT put your dog in the car or the garage. One half hour prior to trick or treat time, put your dog in a secure, quiet place in your home as far away from the greeting door as possible. Depending on the dog, you may crate him. If your dog greets the guests, keep him on a leash, as pets can become stressed, feel threatened, and may growl, lunge, or run out the door.

Keep candy out of reach, as it is NOT intended for pets. Chocolate can be especially dangerous. Candy wrappers are dangerous and can cause intestinal blockage.

Safety of our four-legged kids is priority number one for all the staff at Ms. C’s Bed & Biscuits, where we provide a safe and secure environment for your dogs. Call to schedule your tour today.

Ms. C’s Bed & Biscuits
2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325
www.MsCsBedandBiscuits.com

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5 Questions You Need Answers To

5 Questions You Need Answers To

By Yvonne Marsh, CFP®, CPA

Confidence is king. Whether it is confidence in sinking that next putt on the golf course, or walking into a room of strangers and spotting a friend, or even knowing you look good in a new outfit, when we have confidence, we feel good. How about having confidence in your impending retirement? Or confidence in knowing what you would do if your beloved spouse was incapacitated or died suddenly? Answer these questions to see if you have the right financial professional by your side to help you through life’s uncertainties:

1. Do they educate you? They should be providing you with the pros and cons of their recommendations. No investment strategy is bullet proof, and even if you aren’t interested in understanding the difference between “beta” and a “Sharpe ratio” when choosing a mutual fund, you should still have some broad understanding of their recommendations and how they fit for you.

2. Do you understand how they are being paid? As an educated consumer, you need to know whether your advisor is being paid on a flat-fee basis or by commission and mutual fund marketing fees – or some combination. It may influence the type of financial investments recommended to you.

3. Are they part of an integrated team? No one likes to put all of their eggs in one basket. Be sure your advisor is part of an organized team of professionals that communicate with each other. Your team should include a tax CPA, a licensed wealth manager and CFP®, an estate attorney, and a qualified insurance agent.

4. Are they educated and credentialed? Ask how your advisor is educated, and be aware of professionals who take a one-time exam to earn a designation with no further education requirements. Professional designations such as CFP® and CPA have annual continuing education requirements, ensuring that they are current in the ever-changing world of finance and taxation.

5. Have your needs changed over time? Even if you’ve worked with your advisor for years, they may not be experienced in creating tax-efficient retirement income plans or life transition plans. Ask them if they know what sequence-of-returns risk is, and if they give you a blank look, it might be time for a second opinion.

Call us today for a complimentary meeting and bring these questions with you. I believe you’ll like our answers.

Marsh Wealth Management, LLC
1341 Branton Blvd, Suite 105
Knoxville, TN 37922
865.622.2162
www.marshwealth.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, is a TN registered public accounting firm and a separate legal entity from MWM. 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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Giving Bedbugs a Wake-Up Call

By George Haynes, Owner & Founder of Otis Termite & Pest Control

Even the most meticulously cleaned homes can have bedbugs. In fact, you’re just as likely to find them in immaculate homes as you are in homes that are not as well maintained.

So just where do they come from? The answer may surprise you: Dorm rooms, hotel rooms, cruise ships, and used furniture. Bedbugs simply hitch a ride in luggage or on clothing, furniture, and a variety of other items.

Mature adults are about the size of an apple seed and reproduce three or more times per year. Parasitic, they feed on human blood at night while you are asleep. Because of their small size, they usually go undetected, hiding in mattresses, box springs, bed frames, headboards, and even electrical outlets. Once bitten, victims often confuse the small welt that remains as a mosquito or flea bite. Untreated, bedbugs can become a major infestation that becomes even more difficult to treat.

Most homeowners enlist the assistance of a reputable pest control company. There are a variety of proven treatment options available, but at Otis Termite & Pest Control, we offer a proven system for the eradication of bedbugs that is both safe and effective. At Otis Termite & Pest Control, we use an innovative, state-of-the-art system from GreenTech. This system uses heat, rather than pesticides, to eliminate bedbugs. That means there’s no need to worry about residual pesticides once your home is treated.

The GreenTech technology is a closed system that safely heats air outside your home and then redistributes the heated air into the room being treated. The heated air safely raises the temperature in the treatment area, killing the bedbugs and their eggs – and all without pesticides.

Family owned and operated since 1974, I personally invite you to contact us with questions regarding bedbugs or any other pest related concerns you may have. You can trust the company that East Tennesseans have relied on for 44 years: Otis Termite & Pest Control.

Otis Termite & Pest Control
112A Hayfield Road
Knoxville, TN 37922
865.690.1662
www.otispestcontrol.net

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