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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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Selling Your Unused Diamonds or Fine Jewelry?

A student of both the quality diamond and fine jewelry business industry since 1961, Vince Riggio, owner of Vincent’s, has put his experience to work in some rather unique ways.

“I’ve been fortunate in my career to have met many of the leaders in the world diamond marketplace and to have been privileged to work with many of the nation’s premier jewelers,” said Vince. “I’ve loved every minute of this fascinating and fast-paced industry, and the thought of retiring has never occurred to me.”

With an office in the Farragut area, in addition to an office in St. Louis, Vince and company purchases diamonds of all shapes and sizes, as well as fine jewelry, sapphires, and rubies from both individuals and estates.
“In addition to purchasing diamonds and fine jewelry at the highest possible prices, we also offer sellers a totally unique selling experience,” said Vince.

Vince personally meets with each client on an appointment only basis in their Farragut office, offering a secure, private, and safe environment. All consultations are confidential and are performed on a no-cost, no-obligation basis.
If you are interested in selling your unused or unwanted diamonds or fine jewelry, why not trust Vincent’s and their more than 50 year tradition for integrity, experience, and courteous service?

Vincent’s
123 Center Park Drive, Suite 214
Knoxville, TN 37922
865.392.5358

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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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Decorating Den Interiors

“Discover” Window Coverings

By Sandy Kozar

Beginning with this issue of Everything Knoxville, I am excited to introduce our new “Discover” series of design-inspired feature articles that we hope will inspire you. In this and future issues, we will explore new and exciting interior design topics. In this issue, we will attempt to answer many of the questions asked by homeowners to design professionals related to window coverings.

What is meant by the term “window coverings?”
Window coverings created by design professionals are custom made blinds, shades, shutters, draperies, sheers, cornices, valances, or any fabric treatment used on and/or surrounding a window that provides not only aesthetic beauty to any room in your home, but also offers other features, including privacy, UV protection, and energy savings.

What do you mean by “custom made?”
Every aspect of the window and the area around it is considered when designing a custom-made window covering. We consider what is above the window: Are there any obstructions? What is the design style of the room? Do you want more light in the room or less? Also, other aspects such as size, how your windows open/close, and if they’re framed or unframed are considered. We combine all of these factors, analyze them, and select the correct fabric weight, style, and color to create the perfect custom window treatment for your home’s windows. Your custom designed window treatment then goes to our professional workroom where it is hand-crafted by experts. Then we professionally install and dress your window.

How do I know which covering is right for my windows?
Our design professional will visit your home to measure, ask if there are any energy related issues, and talk to you about the many other important elements to consider when designing a custom-made window covering. These are important first steps prior to offering our recommendations.

What if I have a beautiful view that I don’t want obstructed?
That’s not a problem. If you enjoy beautiful views, rest assured they will remain! Our years of experience in homes just like yours enables us to recommend the perfect widow covering to both protect and enhance your views. We offer the right products and the expertise that provide needed privacy when closed but that spectacular view when open. The combination of your vision and our expertise come together to create the quality look you have dreamed of.

We hope that you have enjoyed our first series of “Discover” and that it has answered any window covering questions you might have had. If you require additional information, please feel free to give us a call and “Discover” why we are the design professionals! And remember, our in-home consultation is always complimentary!

“DISCOVER”
Join us for a “Discover” class: “Window Coverings” on January 19 at 10:30 am.
Limited Seating – call 865-392-6222 to reserve your seat. Refreshments served.

Decorating Den Interiors
Sandy Kozar & The Kozar Design Team
Interior Design Professionals
865-392-6222
www.SandyKozar.DecoratingDen.com

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Exact Tile Inc.

Helping You Discover the Possibilities

Knoxville-based Exact Tile Inc. has helped thousands of area homeowners since 1999 achieve that showcase quality look when using ceramic, porcelain, granite, marble, or stone in their homes. Frustrated at other tile stores, Exact Tile offers an extensive selection from the top manufacturers throughout the world and the United States. What further helps Exact Tile stand out among their peers is their eye for design and their expert craftsmen. Artisans who combine “old world” craftsmanship with many of today’s cutting-edge technologies to create the most stunning kitchens, bathrooms, walls, and floors that you could ever imagine.

The possibilities begin long before the actual work commences. It really all begins at Exact Tile’s Boutique. More than a showroom, their design team helps you discover the potential that exists within your home with their creative designs for kitchens, bathrooms, floors, walls, and fireplace surrounds, which are all designed to inspire you.

Exact Tile’s design team will help you transform your vision into your reality. Their designers, your “dream team,” offer in-home consultations and AutoCad/SketchUp design drawings.

Exact Tile would like to invite all of the readers of Everything Knoxville to visit their showroom located at 108 Hayfield Road in Knoxville. Be prepared to be amazed with their many hand-crafted items that are unavailable anywhere else, in addition to quality brands of tile and stone from Walker Zanger, Encore Ceramics, Bella Vista Tile, Tabarka Studio, Mercury Mosaics, Red Rocks, Metalcoat Tile, and Ticsa America, along with natural stone fireplaces, range hoods, sinks, and heated floors. If you’re considering a large format porcelain tile, Exact Tile not only offers this tile, but their craftsmen are also certified to install it.

Are you ready to discover all of your home’s possibilities? Stop by Exact Tile Inc. today and prepare to be amazed.

Exact Tile Inc.
108 Hayfield Road
Knoxville, TN 37922
865.693.1298
www.exacttile.com

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Heritage Investors

Comprehensive Wealth Planning

A Life’s Lesson I’ll Never Forget

By Justin Goodbread, Certified Financial Planner™

I guess it wasn’t a total surprise when, in 2005, my mom and dad asked me to help them put together a financial plan to help them secure their retirement dreams. After all, I’m a Certified Financial Planner™ (CFP).

In my career, it wasn’t unusual to share in the grief of my clients who experienced personal losses, but nothing could prepare me for my father’s (we called him Pops) totally unexpected death on October 20, 2016, at age 62. I still can’t describe the emotional roller coaster I’ve experienced. As the grieving and healing continue, as a family, we are grateful for the foresight that my parents demonstrated, putting into place 12 years ago a plan designed to protect themselves and their loved ones from life’s uncertainties.

I wish I could encourage everyone who reads this article to put a comprehensive plan into place for their family to provide for not only retirement, but life’s unexpected twists and turns as well. Unfortunately, too many people postpone planning. Maybe they think that they’re too young, or perhaps they’re uncomfortable confronting their own mortality. I believe that many people don’t have someone to confide in that they feel they can trust. Regardless of the reason, the lack of a comprehensive financial plan for the future can make life’s uncertainties even more devastating.

At only 59 years old, Mom will likely enjoy many more productive years surrounded by her three children and 11 grandbabies. Fortunately, the decisions Mom and Pops made in 2005 will permit my mom to continue to live comfortably in retirement and will not necessitate having to return to the workplace as so many other spouses have had to do to make ends meet.

I, as I am sure so many of you were, was very moved when a member of the Reagan family shared with all of us the love letters that the former president wrote to his wife, Nancy. My pops’ love letter to Mom and his legacy to his children and grandchildren, and I hope you, too, is to demonstrate our love for our families by carefully providing for their futures. Despite his relatively young age and totally unexpected passing from a massive heart attack, I am confident that Pops achieved the peace of mind that we all search for in life, knowing that we have provided for those we love the most.


Comprehensive wealth planning is not something reserved for the mega-wealthy. That’s a common misconception. Mom and Pops were middle-class Americans. They never owned new automobiles or lived in fancy homes. Their real wealth came from their love for each other and their family. Their goal was to live a life free from the worry of money or the prospect of outliving their retirement nest egg.


My dad’s passing has given me a renewed passion. The comprehensive wealth plans I create for individuals and families are far more than mere forms and spreadsheets. I am confident that what I have experienced firsthand with Pops’ loss provides me with even greater insight to be able to help you and your family navigate life’s uncertainties.

With the beginning of a new year, why not thank the Lord for all of your blessings? As a resolution for 2017, I would like to encourage you to put a comprehensive wealth plan into place to provide for those you care about the most. Please feel free to contact me for assistance. Stop rolling the dice.

Heritage Investors
11470 Parkside Drive, Suite 201
Knoxville, TN 37934
865.690.1155
www.heritageinvestor.com

Heritage Investors is an independent firm with securities offered through Summit Brokerage Services, Inc., Member FINRA, SIPC. Advisory services offered through Summit Financial Group, Inc., a Registered Investment Advisor. Opinions expressed are that of the author and are not endorsed by the named broker dealer or its affiliates. Although the opinions expressed are based upon assumptions believed to be reliable, there is no guarantee they will come to pass. The information may change at any time due to market or other conditions. Past performance is not an indication of future results.

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Bring Your Kitchen Some Holiday Cheer

Bring Your Kitchen Some Holiday Cheer

kitchen-tune-up-resized

If you’ve thought about making a change in your kitchen, you might already be dreading the process of tearing everything out of your space, as well as the time, cost, and inconvenience typically involved. The good news is that trusted remodeling company Kitchen Tune-Up and its local Knoxville franchise owned by Ryan and Michelle Thompson can provide a completely updated kitchen in less than one week – and without the mess or cost of a complete tear-out.

“Our average remodeling project takes between one to five days to complete,” explained Ryan.

Kitchen Tune-Up specializes in cabinet refacing, cabinet redooring (new doors custom ordered to fit your cabinets), custom cabinets and design, and one-day wood reconditioning. Kitchen Tune-Up also offers custom closets, storage solutions, garage cabinets, and a number of accessories. The company’s signature service is a unique, comprehensive, one-day wood reconditioning process called a “Tune-Up,” which restores and repairs wood cabinets.

“It’s important to know that you don’t have to spend a fortune or live in a mess for weeks in order to update your space,” said Ryan. “You can keep your same cabinets and recondition them, or keep the cabinet boxes in place and reface them in a different style or color, or replace them with new cabinets. With any of our services, you can make your space more functional with the addition of roll-out trays and accessories. Whatever you can imagine for your kitchen, we have multiple options and will work within your budget.”

Ryan and Michelle have been Tennessee residents for more than 20 years and have called Knoxville home since 2009. The Kitchen Tune-Up franchise system has consistently been ranked first in their category by Entrepreneur magazine for more than 20 years. For more information or to schedule a no-obligation consultation, call Kitchen Tune-Up today at 865-253-7805 or visit www.kitchentuneup.com.

Kitchen Tune-Up
865.253.7805
www.kitchentuneup.com

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Shelf Help

Shelf Help
Custom Roll-out Shelving for Kitchens and Baths

shelf-help

Perhaps you’ve just installed replacement kitchen cabinets in your existing home and discovered that they lack the optimum storage space that you had hoped for. Or maybe you love your home’s existing cabinetry, but as you’ve aged, or perhaps due to a health or mobility issue, using your cabinets efficiently and safely is not as easy as it once was.

Whether you wished your home’s existing kitchen and bath cabinets were more efficient or if you experience difficulty in using them as safely or productively as you have in the past, Shelf Help is the perfect solution. As experienced kitchen and bath remodeling consultants, the experts at Shelf Help have observed first-hand the challenges that many homeowners experience when installing even the most carefully planned cabinetry. At Shelf Help, they don’t install cabinetry; they make good kitchen and bath cabinets and pantries better.

Here’s how they can help. At Shelf Help, they install custom roll-out shelving and organizers that install right into your home’s kitchen and bath cabinets or pantries that allow you to make maximum use of your available storage space. And for those who may experience challenges reaching cabinets that are too high, too low, or too deep, Shelf Help allows you to make full and efficient use of your cabinet spaces, making them more accessible.

What homeowners also appreciate is how affordable Shelf Help is, saving them up to 50% off the national brands. All of Shelf Help’s custom roll-out shelves are made right here in the USA and feature dovetail joints and ball bearing slides, which can support up to 100 pounds per shelf.

What customers are saying about Shelf Help:
“Best improvement we’ve made to our home – hands down.” – Judy F., Tellico Village
“A huge help – we are much more organized and can now reach everything in our cabinets.” – Mike B., Farragut
“Great product – well designed, smooth installation, and a far more efficient kitchen.” – Mark & Susan D., Knoxville

To learn how you too can better organize your kitchen, bath, or pantry, call today to request your free, no-obligation, in-home consultation. Mention this article and receive free installation with a minimum purchase. Locally owned and operated, let Shelf Help make the most of your home’s kitchen, bath, or pantry storage space.

Shelf Help
865.675.5098
www.shelfhelptn.com

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