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Ms. C’s Bed & Biscuits

Avoid Separation Anxiety as Kids Head Back to School

August is a month of change for the family dog. Kids go back to school, football season begins, and we’re constantly on the go. Dogs are creatures of habit – they feel the additional stress of the family’s changing schedule, which can result in anxiety. Causes include:

» Separation anxiety: With no kids to play with during the day, begin preparing your dog. A week before school, separate your dog from the family for a short 15 minutes, gradually increasing the time. The dog has been the center of attention during the summer, romping and playing with the kids, and this routine needs to change before school starts. Provide toys for the dog. Have the dog spend more time playing by themselves. Each time you leave the home begin ignoring the dog at least 10 minutes before you depart.

» Boredom: Dogs sleep much of the day, and when they wake up, they want something to do. Provide interactive toys, such as peanut butter filled Kongs, Buster Cube, or a Roll-a-Treat ball.

» Holding (nature) too long: It is not reasonable to expect a dog to routinely “hold it” for much longer than eight hours maximum. Do not expect a young or small dog to “hold it” longer than two to four hours. Don’t leave your dog alone for an unreasonable amount of time.

» Consider “doggy day care” at Ms. C’s Bed & Biscuits, who offers day camp from 7:30 am to 6 pm Mondays, Tuesdays, Thursdays, and Fridays.

Dogs love to dig, play, and romp, and Ms. C’s provides a fun, safe, calming environment when family members need to be away for several hours during the day. Call 865-986-6325 for reservations today.

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

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Marsh Wealth Management

Could You Accidentally Have All of Your Investment Eggs in One Basket?

By Yvonne Marsh, CFP®, CPA

A retired couple came to my office recently to talk about their investments. In the course of our conversation, the husband wondered aloud how he could have lost a third of his portfolio in 2008 when he had invested in mutual funds, rather than individual stocks. Didn’t he have his money well diversified? On the surface, it seemed so. But after we talked further, I found that he had inadvertently invested in mutual funds holding one kind of investment – large cap stocks – and that particular asset class had suffered a 37% decline that year. He had mistakenly put all his investment eggs in one basket.

True investment diversification spreads your money across many asset classes – large cap stocks, small cap stocks, mid cap, growth, value, U.S., international, real estate, less-risky bonds and fixed income, cash… well, you get the idea. Each asset class performs differently under changing market conditions. The trick is to find the right mix that suits you and your unique risk profile.

Understanding how well you can financially and emotionally withstand a market downturn is critical to building a diversified investment portfolio that suits you. Why is this so very important? When you are invested in your right mix, you’ll stay in the market through its inevitable ups and downs. If you inadvertently take too much risk, you’ll flee to safety as many investors did in 2008. And if you get out, when do you get back in? For those too terrified to get back in the market, they missed the significant upswing in 2009 and beyond.

The ability to stay invested in the market over time is critical. According to a Fidelity study, if you invested $10,000 in the S&P 500 index in 1980, it would have grown to $659,591 by 2018. If you missed just five of the best days in that time period, you would only have $427,041. Those five days cost more than $230,000! The statistics don’t lie – jumping in and out of the market does not work.

Diversification and disciplined rebalancing is THE key to building wealth over time. It’s simple but not easy.

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisors
504 Ebenezer Road
Knoxville, TN 37923
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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Marsh Wealth Management

Who Does Your Advisor Work For?
By Yvonne Marsh, CFP®, CPA

Trust is a big deal in my business. As I sit with a retired couple watching them sign the paperwork allowing us to manage their investment portfolio, I am reminded of the weighty responsibility our firm has. They are entrusting us to be good stewards of their life savings and to give them our expertise and guidance to help them navigate the unknowns of their financial future. Weighty indeed.

In the preliminary meetings with the couple, they asked one of the most important questions anyone can ask: Are you with a registered investment advisor or a broker dealer? Ah! I could tell they had been doing their homework. The answer to this question is fundamental to understanding how you are offered advice and how your advisor is compensated.

In the broker dealer world, the advisor works for the “house,” operating with the tools pre-designed to give the house an advantage. Don’t get me wrong – they may truly care for their clients’ well-being and be of high moral character, it’s just that they are constrained by a set of products pre-approved by their employer, and the system is designed to reward selling rather than providing conflict-free advice. Legally, all they have to do is provide a product that is “suitable” to you.

In the registered investment advisor world, there is no “house.” RIAs can access virtually all products and use an independent custodian to hold client assets. They are required by law to put their clients’ interests ahead of their own. This is known as the “fiduciary” standard of duty. RIAs are paid a flat percentage of assets rather than commissions, effectively putting them on the same side of the table as their clients. As client account balances grow or decline, the RIA’s income follows suit. There are no commissions for buying and selling.

And just to keep life interesting, your advisor can have a foot in both worlds and be dually registered, effectively switching hats, on an account by account basis. Crazy, right? Here are a few questions to ask your advisor:

1. “Are you affiliated with a broker dealer?” If you see “SIPC” in the small print on their business card, they are.
2. “Does your employer receive money from the funds I am invested in?” i.e. in 2018, Edward Jones received $78.9 million from American Funds, and they acknowledge it creates a conflict of interest. Here’s the link: www.edwardjones.com/images/revenue-sharing-disclosure.pdf.
3. “Do you receive compensation from trading stocks or bonds? Or from purchasing the mutual funds I am invested in?”

When I first got my investment licenses, I spent a painful short year in the broker dealer world. A friend recommended I work with him in that space, and I naively didn’t know any better. I got a quick lesson and left for the RIA world. I’ve never looked back.

Marsh Wealth Management, LLC
504 Ebenezer Road
Knoxville, TN 37923
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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Benefits of Doggy Daycare

Does your dog lack individual attention while you are at work? Well, a healthy alternative is Doggy Daycare. Here are the benefits:   

» Relieves boredom/separation anxiety

Left alone, dogs become bored or anxious, with separation anxiety causing destructive behaviors, including chewing, excessive barking, howling, and accidents. Daycares offer healthy stimulation, preventing these behaviors.

» Provides routine

Dogs are creatures of habit and like routine. Daycare will help maintain a routine of romping stomping and exercise.

» Socialization

Dogs are social animals and enjoy other dogs of like/like size and personality type, plus humans to develop their social skills. There is never a dull moment at Ms. C’s, except during rest time from noon to 2 pm daily.

» Attention

At daycare, dogs continually interact with staff. We understand a dog’s need for loving attention. One of our staff will be with your dog from 7:30 am to 6 pm daily.

» Safety

Daycare is a safer option than leaving them alone, especially if your dog tries to escape his yard or crate. Safety is our first priority. Vaccinations must be up to date, including canine influenza, DHLPP, bordetella, and rabies.

» Affordable

Some may think doggie daycare is expense. At Ms. C’s, it’s very affordable at only $20 per dog per day from 7:30 am to 6 pm on Mondays, Tuesdays, Thursdays, and Fridays.

» Flexible

Bring your dog once or twice a week, whatever works for you. If you need daycare at the last minute, just give Ms. C’s a call. Dog must be current on all vaccinations.

» A tired dog is a happy dog

A dog who has been active and well-cared for throughout the day tends to be more content.

For more information about Ms. C’s, call 865-986-6325, come by for a tour, or visit www. MsCsBedandBiscuits.com and book a daycare reservation. Enjoy peace of mind knowing that your dog is in good hands, eliminating the guilt felt leaving him home alone for long periods at a time.

Ms. C’s Bed & Biscuits

2145 Beals Chapel Road
Lenoir City, TN 37772
865.986.6325

www.MsCsBedandBiscuits.com

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What Will the Markets Do When You Retire?

By Yvonne Marsh, CFP®, CPA

Imagine the markets decline 15% on your first day of retirement! Your $500,000 nest egg is now worth $440,000.  You will need an almost 18% rebound to recover.

What if the opposite were true? The markets increase 15%. Your $500,000 is now worth $560,000.

In retirement, you can do everything right – you save diligently, work with a fiduciary advisor, focus on low fees and tax efficiency – but market corrections early in your retirement years can dramatically alter the ability of your money to last your lifetime. Called Sequence of Returns investment risk, it’s the luck of the draw and can devastate your best laid plans. Few investment professionals talk about or even understand it.

For example: John and Sue retire at age 65 with $500,000 in identical balanced portfolios and plan to withdraw $25,000 annually, adjusted for 3% inflation. John retires as the markets go down. He averages an 8% return but runs out of money by age 83. Sue retires in a market rally. She averages the same 8%, with her corrections coming in later years. Her portfolio at age 90 is $1.6 million. Why the disparity? Markets don’t give averages; they give you actual returns that work out to an average. The order in which you earn that average matters!

What’s a retiree to do? Work with a fiduciary to structure your investments according to time and purpose.  Invest conservatively for assets needed earlier. Invest for growth with assets needed later. Typically advisors simply invest by account type: IRAs one way and brokerage accounts another way. This simply does not mitigate Sequencing Risk.

Secondly, have enough guaranteed income to meet your basic needs. This gives you the flexibility to wait out a down market. If Social Security isn’t enough to do that and you don’t have a pension, create your own pension annuity with a highly rated insurance company. Many new income opportunities exist today that didn’t exist 10 years ago.

Your early retirement years define your later retirement years – all due to the unknowable Sequence of Returns risk.  Take the steps today to protect your tomorrow. Give us a call to learn more.

Marsh Wealth Management, LLC

504 Ebenezer Road
Knoxville, TN 37923
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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Who Do You Rely on for Your 401(k) Investment Strategy?

By Yvonne Marsh, CFP®, CPA

Did you know that 6 in 10 people think their 401(k) will be their biggest source of income in retirement?  Which makes sense when we consider that more than 73% of the employer pension plans that existed 20 years ago are now closed, frozen, or terminated.  We’re on our own when it comes to creating retirement income using our employer-sponsored retirement plans.

Your employer chooses which investment funds to offer within the plan, but they are prohibited by law from giving you investment advice.  It can feel overwhelming when it comes to knowing which funds to pick and how often to rebalance.  And who has the time or energy to research investment options after a long day at work?  That’s where our new service, Plan Confidence, can help.

A recent Schwab 401(k) participant survey found that more than 77% of people said they would be “extremely confident” or “very confident” in their investment choices if they had the help of a professional.  And in fact, a study published by the Vanguard Group in 2014 finds that using a professional investment advisor boosts your average return by 3% over time.  The increase comes from improved portfolio diversification, regular rebalancing, and behavioral coaching.

Using specialized software tools, we can provide customized 401(k) investment advice.  And it’s easy!  There is no need to roll your account over to an IRA.  Your money stays right where it is – in your 401(k) plan, and we help you choose from within the options offered.   

Step 1: We assess your risk tolerance with an easy-to-use questionnaire.

Step 2: Within your password-protected Plan Confidence account, we create personalized investment recommendations using your existing 401(k) options.

Step 3: We give you step-by-step instructions on how to implement our suggestions.

Step 4: We send you friendly quarterly reminders with rebalancing instructions and any updates.

With 24/7 access to your Plan Confidence account, you can review your recommendations and change your risk tolerance at any time. It’s easy to try because there is no long-term contract. And it’s economical: Monthly fees range from $35 to $95, depending on account size.

If you’re one of the 6 in 10 people who think your 401(k) will be the biggest source of income in retirement, don’t guess at your investment choices.  Get started building your Plan Confidence today.

Marsh Wealth Management, LLC
504 Ebenezer Road
Knoxville, TN 37923
865.622.2162
www.marshwealth.com

Sources: Charles Schwab 2016 401k Participant Survey.  Retirement Offerings in the Fortune 500: A Retropective, WillisTowersWatson, Feb 2018.

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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Discover Your Company’s Marketing Sweet Spot with Graphic Creations

“We view Jim and his team as an extension of our business,” said Matt Mincer, former professional golfer and co-owner of Brown Bag restaurants. Matt was referring to Jim Caughorn, owner of Knoxville-based Graphic Creations, and his talented team of marketing and graphics professionals. “Brown Bag is pretty good at the few things we focus on, but when it comes to design and printing of marketing materials, we need help; Graphic Creations is the perfect fit for us.”

Brown Bag, which launched its first restaurant in Knoxville in 2009, now has five locations in Tennessee, North Carolina, and Texas. Brown Bag’s objective was to create delicious, healthy, and affordable catered options as an alternative to the often greasy and heavy take-out food offered by many restaurants.

“We think we have built a menu that you can eat five days a week and feel like you’ve done something good for your body,” said Matt.

“When we started to think about our growth as a business, we sought the help of Graphic Creations. Within minutes, we had some of the most creative and energetic people thinking through ideas and planning for our business. We never could have done this on our own. The best part is that we get to spend our time doing what we do well and let Jim and his team take care of the rest.

“I’m sure that I’m not alone in wanting to know that my investment in marketing is going to produce results. With so many options out there, it would be easy to make a costly mistake. It is very encouraging to know that the people working for you have the knowledge and expertise to lead you in the right direction.

“Brown Bag’s success has led to expansion, with several new locations opening in the last five years. Graphic Creations has helped us provide our customers with a consistent, personal experience, no matter which store they walk into.”

If you want to discover your Marketing Sweet Spot, contact Jim and his team at Graphic Creations today.
Graphic Creations
213 E. 4th Avenue
Knoxville, TN 37917
865.522.6221
info@graphiccreations.com

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Vincent’s

Diamonds in the Rough?

Transform Your Diamonds and Fine Jewelry into Cash

Vincent’s Jewelry, with offices in Knoxville and St. Louis, has been offering individuals who wish to sell their diamonds, quality gemstones, gold, and fine jewelry a totally new and innovative selling experience. Vincent’s owner and founder, Vince Riggio, has totally transformed the once typical selling experience for persons wishing to sell unwanted gemstones and fine jewelry.

“We offer sellers an upscale, safe, private, and secure environment in which to conduct a confidential, no-cost, no-obligation consultation,” said Vince. “We also offer them the peace of mind that comes from dealing with an experienced professional who began his career in the quality diamond and fine jewelry business back in 1961. 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. I’ve loved every minute of this fascinating and fast-paced industry, and the thought of retiring has never occurred to me.”

Vincent’s purchases diamonds of all shapes and sizes, as well as fine jewelry, sapphires, and rubies, from both individuals and estates based on today’s market prices.

If you’re considering selling your precious gemstones, diamonds, or other fine jewelry, why not trust the name that has earned a half century reputation for integrity, experience, confidentiality, and courteous service: Vincent’s.

Vincent’s
123 Center Park Drive, Suite 214
Knoxville, TN 37922
865.392.5358
www.sellmyjewel.com

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Destiny Adoption Services

Compassionate Care to Help Shape Your Destiny

Destiny Adoption Services strives to expand families through private adoption while simultaneously honoring our Birth Mothers through various support services. Destiny Adoption Services provides home studies, adoption education, post-placement supervision, and many other services to prospective adoptive applicants.

There are two advocates involved during the adoption journey: An Adoptive Parent advocate and a Birth Mother advocate. Support is also available for Birth Fathers in the form of education pertaining to adoption and the importance of his role in assisting the Birth Mother with selecting an Adoptive Family. Feeling supported by an individual that is tasked with the sole responsibility of maintaining that your voice is heard brings an element of comfort to what can be a bittersweet and difficult journey to maneuver through. Destiny Adoption Services believes in matching an Adoptive Parent(s) with a Birth Mother based on preferences and not on a tier system or required waiting period prior to being considered for a match.

Every adoption journey is unique in terms of preferences on behalf of both the Adoptive Parent(s) and the Birth Mother. Factors to consider pertaining to preferences on behalf of the Adoptive Parent(s) entail a comfort level with the Birth Mother and Birth Father’s physical and mental health history, as well as her extended family. An Adoptive Parent(s) will complete two worksheets for their comfort level preferences and openness level preferences. Likewise, a Birth Mother and Birth Father will discuss their preferences for an Adoptive Parent(s) with her advocate such as religion, race, career profession, married vs. single status, sexual orientation, and so forth.

With a noticeable gap in post-placement services for Birth Mothers, Destiny Adoption Services intends to close this gap by offering free lifetime counseling to Destiny Birth Mothers in addition to a Birth Mother Support Group that is open for any Birth Mother to join. Post-placement support services for Birth Mothers also include community resource linkage, educational support regarding assistance with entrance applications and applying for financial aid, employment assistance regarding interview tips and résumé writing skills, and many other services.

Our staff at Destiny Adoption Services intends to show up at those important events for our Birth Mothers throughout their lives as a way of honoring them and continuing to assist them in shaping their own destiny in a positive way. At Destiny Adoption Services, we believe that taking care of our Birth Mothers through providing post-placement support is the best gift that we could ever give her child and the adoptive family. Destiny Adoption Services would like to shine the light on the Birth Mother’s perspective of the adoption journey to promote awareness regarding these amazing and courageous Birth Mothers we are honored to serve.

Destiny Adoption Services
13047 Kingston Pike
Farragut, TN 37934
865.392.6261
www.destinyadoption.com

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Knox Graphics & Designs

Your Competitive Advantage

By Jesse C. Boling, Owner of Knox Graphics & Designs

Knox Graphics & Designs is more than your full-service sign and graphics resource. That’s because we combine our firsthand knowledge of East Tennessee’s entrepreneurial community with our years of graphics and marketing expertise. We have had the privilege of assisting in the launches of multiple start-up businesses and the support of existing companies with logo design, branding, website creation, social media optimization, product labeling, embroidered apparel, advertising specialties, and much more.

Knox Graphics & Designs offers a wide selection of products and services, including traditional signage such as real estate signs, yard signs, business signs, banners, posters, and window decals. We can also design and print business cards, flyers, brochures, booklets, name tags, and a large assortment of promotional items such as pens. We create and print t-shirts, hoodies, and other apparel items while providing our own in-house embroidery service to personalize a wide variety of clothing items. We also offer an in-house notary public service, copying, scanning, emailing, and digital filing.

With our in-house graphics designer and our knowledge of Knoxville’s thriving business community, Knox Graphics & Designs has the expertise to transform your vision for your company’s future into a reality by helping you successfully differentiate you from the competition. Our clients include local government agencies and large and small businesses, local and national sport teams, churches, community fundraisers, and campaigns.

Discover your competitive advantage. Call Knox Graphics & Designs at 865-777-5669 today!

Knox Graphics & Designs
10965 Kingston Pike
Knoxville, TN 37934
865.777.5669
www.knoxgraphicsdesigns.com

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