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Ms. C’s Bed & Biscuits

Safe, Easy Dog Boarding and Daycare

Pets are an amazing stress release. And according to the CDC, unless you have been diagnosed with COVID-19, you can interact with your pets as you normally would, including walking, feeding, and playing. Your pets are not the carrier of this human-to-human virus.

We understand how difficult it is to be “stuck at home” during these trying times. At Ms. C’s, we miss our interaction with you and your four-legged kids.

Ms. C’s is open and providing doggy daycare for all of our clients, including those serving in “essential fields” such as medical practitioners, firefighters, and police who are exhausted at the end of their long and challenging days. Our heroes often don’t have the energy needed to care for their dogs at the end of the day.  Ms. C’s large outdoor play area and constant interaction with your dog is why we are considered an “essential business.”

Sanitation protocols have always been a top priority at Ms. C’s. No dog is allowed in our facility without up-to-date vaccination records provided directly from the veterinarian.  We were also the first kennel in the area to install a PetAirpy UV air filtration system, which kills  99.9% of airborne viruses and bacteria. We are proud of the fact that we’ve had no sick associates or dogs since installing the PetAirpy System.

At Ms. C’s., we continually review the latest CDC guidelines and adjust our operations to meet these changing recommendations. Currently only Ms. C’s owners are present at the kennel. We routinely sanitize contact surfaces and disinfect high-touch areas such as door handles, knobs, gate latches, floor mats, and more. We maintain recommended social distancing standards by greeting your dog at your car upon arrival and departure. All other business is transacted by phone. It’s as easy and as safe as that.

There is always a light at the end of the tunnel, and our pets can assist us in providing that much needed light. The sun will continue to shine tomorrow. Within a few weeks we will be happily greeting all clients again.

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

Searching for That Silver Lining

By Yvonne Marsh, CFP®, CPA

These uncertain times are particularly heightened for today’s retirees.  Not only does the pandemic have a disproportionate impact on those 65 and older, but retirees’ financial strategies have to withstand market volatility while continuing to provide income.  As most financial decisions have potential tax consequences, our clients appreciate the fact that we are not only Certified Financial Planners, but Certified Public Accountants as well.  Here are some opportunities hidden within these turbulent times:

» This is a fabulous time to do a Roth conversion.  Why? You can convert a bigger percentage of your traditional IRA balance at tax rates starting at only 8%. These lower tax rates are set to expire in 2025. Let’s say your goal was to convert $100,000 of your $500,000 IRA, or 20% for each of the next five years, and you’re willing to pay the tax on that $100,000 conversion.  After the market correction, let’s say your account is now worth $425,000, and the $100,000 conversion now allows you to move 24% of your IRA into a Roth IRA, all while paying the same amount of tax.  Then, when the markets recover, the growth on your converted IRA dollars will be happening within the tax-free Roth IRA.  So you move out of the traditional IRA while the markets are down and let those dollars grow again in the tax-free Roth.  A winning strategy!

» If you’re retired and subject to the Required Minimum Distribution rules, take advantage of the provisions under the new CARES Act that allow you to suspend your RMDs for 2020. This helps (1) by not requiring you to sell and withdraw assets on a market downcycle and (2) by keeping those taxable RMDs out of your 2020 reportable income.  This provision applies to all types of IRAs, employer 401(k) and 403b plans, and inherited IRAs.  And if you’ve already withdrawn your RMDs and want to put the money back, you can, under the 60 day rollover window rules.  Write a check to your custodian for the gross RMDs you’ve received in the last 60 days and you can reset the clock.  Remember though, there is only one 60 day rollover allowed per 12 month period.

» Once the daily volatility in the markets slow down and the economic fallout has been adequately quantified, it’s time to take a look at rebalancing your investment accounts.  Your stock allocation has probably drifted below your risk tolerance, and it will be time to sell some of your bond allocation and replenish the stock side of your account.  Regular rebalancing forces us to follow the rules of Buy Low, Sell High.  Our emotions want us to do the opposite – but emotional investing strategies are not winning strategies.  Stay the course and rebalance at least once a year.  Whether it’s a new set of golf clubs, a nice outfit, or a mutual fund, we all love a good sale.

I understand the apprehension that results from uncertainty. As the daughter of retirees, I appreciate what so many of you are experiencing right now. I also share your concerns for the future, and our team is available to help you navigate these uncertain times. Visit our website at www.marshwealth.com, where the “Contact Us” page has multiple ways for us to communicate.  We’ll help you find your silver lining.

Marsh Wealth Management, LLC

Fiduciary Registered Investment Advisors

504 Ebenezer Road

Knoxville, TN 37923

865.622.2162

www.marshwealth.com

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Ms. C’s Bed & Biscuits

Stress-Free Doggy Daycare

Our family dogs can sense tension and stress in a household, making their own lives more stressful. With growing numbers of family members remaining closer to home nowadays, our dogs deserve some special time to relieve the stress and tension that they are experiencing as their normal routines are placed out of balance. Their parents and their kids are glued to their televisions, laptops, and smart devices as we telecommute and study online. Tension is bound to result with family members completely out of their normal routine.

Why not let Ms. C’s do what we do best – “taking care of your four-legged kids” while you take care of  business at home (telecommuting, taking care of children, assisting elderly parents, etc.)? We have very strict cleaning and disinfecting controls in place, including installing the PetAirapy UV System, which has a 99.9% kill rate of viruses and bacteria.

Give your four-legged kid a much needed break by calling and making an appointment today for daycare for your dog. It’s only $20 per dog from 7:30 am to 6 pm Monday, Tuesday, Thursday, and Friday. If you wish, we will be happy to come out to your car to greet your four-legged kids. Just put us in your cell phone as a contact, give us a call when you enter our driveway, and we will greet you in person. Give us a call at 865-986-6325 today!

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

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South High Senior Living

The Surprising Healthy Benefits of Volunteering

By Helen Porter, CTRS, CADDCT, Executive Director of South High Senior Living

As a recreational therapist, I certainly believe in the power of play. Every senior living community should offer a wide variety of opportunities and a stellar activities program. As a part of an Integral Senior Living (ISL) community, one component of our programming is “ISL Inspires.” I’ve loved it from the beginning, knowing that repurposing and getting seniors involved in their community was important – and fun! However, when I learned about the statistics of volunteering, the purpose of the ISL Inspires and the need for it was greatly reinforced and brought on an even deeper meaning.

When it comes to leading a healthy life and adding quality years and longevity, we’re all willing to try new things – exercises, fad diets, or the newest supplements. And that’s not just seniors. The answer could be much more simple than we ever thought – just help out. Volunteer your time!

Studies have found some amazing benefits of purely sharing your time! It gives a whole new meaning to the idea that you have to give to get. In one study, individuals over 50 who were volunteering had 38% fewer nights spent in the hospital. In a Carnegie Mellon study, 200 hours of volunteering per year correlated to lower blood pressure. And that’s not all. An AARP study stated that “70% of volunteers who initially reported five or more symptoms of depression reported fewer symptoms at the end of the first year.” The National Institute on Aging has stated that participating in meaningful social activities, like volunteering, can improve longevity, improve mental health, and reduce the risk of dementia.

So how do we all get more time? We give it.

South High Senior Living
835 Tipton Avenue
Knoxville, TN 37920
865.205.1186
www.southhighknoxville.com

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Knoxville High Apartment Living

Live Easy. Love Life.

On the corner of 5th Avenue and Central Street, the elegant old Knoxville High School building is a well-known landmark to those who love the city of Knoxville – and a cherished memory for those who studied within its walls. The school officially closed its doors to students in 1951, but it remained a part of city life through various uses until 2015.

That’s when local firm Dover Signature Properties saw incredible potential in the bones of the place. Owners Laurie and Rick Dover and their team planned a thorough restoration effort that would bring back life to the old classrooms by turning them into luxury senior apartments. The layout and design of the former school building were a natural fit for creating living spaces, and its appealing architectural details gave the new space a personality and character you simply can’t find in new construction.

As a building in the Classical Revival style that appears on the National Register of Historic Places, Knoxville High was restored with faithful attention to historic detail while also meeting stringent LEED environmental standards. The result is a building that’s beautiful to look at – and comfortable to live in. Knoxville High Apartment Living, which was named the number one renovation project for senior living in the country by Senior Housing News in 2019, is designed to be an all-inclusive lifestyle choice – your monthly fee includes most of the expenses of everyday living and covers services like housekeeping, transportation, and the most amazing chef-prepared meals you’ve ever tasted. We have 80 newly renovated apartments that are luxurious and full of architectural character, all for a price that’s more affordable than other independent living choices in Knoxville.

Our aim is to make your life easier in every respect. We want you to relax, have fun, and leave the work of daily life to us. Living at Knoxville High gives you the freedom and space to create your own signature version of retirement, all while meeting new people and enjoying the best of our growing and vibrant city.

Whatever your vision is for your retirement, Knoxville High Apartment Living can make it easier to achieve.

Stay well physically, emotionally, and spiritually. The health of our residents is extremely important to us. We include group wellness activities on the daily schedule with Performance Training, Inc. and Agility.

We also contract with health professionals to provide on-site services at your request, and our central location means you’ll be near Knoxville’s healthcare hub at Fort Sanders and the University of Tennessee Medical Center.

Many houses of worship of all faiths are located within blocks of Knoxville High. Transportation is always available so you can attend services.

Downsize your burdens. At Knoxville High, you’re free of the responsibilities of cooking, cleaning, and yard work, so you can pursue what makes you happiest. Transportation is included, so you can be free of your car as well if you like.

Eat like a king. Or queen. Executive Chef Shaun Calico provides three delicious meals a day for all our guests, and we won’t be surprised if you never feel the need to go to a restaurant. The menu is seasonal, fresh, and full of surprises.

Find new friends. Knoxville High is, first and foremost, a community. Our residents eat meals together, join each other for museum trips and concerts, and form strong friendships that make life more enjoyable. We keep a full and active social calendar and welcome all our residents to join in the fun – one night we might have a sing-along in the piano lounge, another a wine tasting in the courtyard. You’ll never lack for things to do.

Enjoy the city experience. Located where Old North Knoxville meets the historic Old City, Knoxville High gives you instant access to all the cultural activities that Knoxville is well known for: Museums, restaurants, festivals, concerts, and so much more. And we often bring in local artists and organizations – like the Knoxville Opera and the East Tennessee Historical Society – for outstanding cultural programs right here on the premises.

Knoxville offers so many options for entertainment that it’s impossible to list them all. Bowl with your friends in a historic boutique bowling alley. Dine overlooking the gently flowing Tennessee River. Or enjoy the Knoxville Symphony Orchestra in the historic Tennessee Theatre. Knoxville’s cultural life is blossoming like never before, and there’s always something new to try.
 
Knoxville High Apartment Living
101 East 5th Avenue
Knoxville, TN 37917
833.338.4207
www.knoxhigh.com

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Vincent’s

Repurpose Your Unused Diamonds or Fine Jewelry

Having just completed service in the U.S. Coast Guard, Vince was soon after married and later the father of two children. He could have little imagined at that time that he would soon be launching an almost six decade long career in the diamond and fine jewelry business. Since 1961, Vince has been a student of both the quality diamond and fine jewelry industry, and he has put this 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,” says Vince. “I’ve loved every minute of this fascinating and fast-paced industry, and the thought of retiring has never occurred to me.”

Vince and his wife of 50 years, having relocated to the Knoxville area, opened an office in the Farragut area in addition to an office in St. Louis. Called Vincent’s, 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,” says Vince.

Vincent’s 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 diamonds or fine jewelry, why not trust Vincent’s and their more than 50-year tradition for integrity, experience, and courteous service? For more information, call 865-392-5358 or visit www.sellmyjewel.com.

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

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Parkview Senior Living

Parkview Senior Living

Partnering with You to Maintain Your Independence Through Physical Fitness

It’s probably no surprise, but if you enjoy doing something, you’re more likely to stick with it. On the other side of that coin, variety is the spice of life. So, when it comes to remaining physically active in your golden years, a combination of both may be just what your doctor ordered.

As we age, there’s no question our bodies change, and what you need from a workout will evolve as well. A focus on strength building, remaining mobile, and improving balance typically becomes our preferred goal rather than high endurance, high impact workouts. Your bones and knees may no longer be able to handle exercises that involve running, jumping, and lunging. Knowing and listening to your body is key.

Laura Weisberg, M.P.T. and owner of Forward Physical Therapy in West Knoxville, says there’s no reason that aging can’t be a journey full of adventure and a full life.

“As a physical therapist with more than 20 years of experience, I believe that regular exercise is critical to the aging process,” said Laura. “It helps in maintaining balance to prevent falls, increase blood flow to the brain in order to fight cognitive decline, prevent diseases such as osteoporosis or cardiovascular diseases, and improve quality of sleep, energy levels, and to fight depression. There are many benefits, so I tell my patients to find what they love and keep moving!”

At Parkview Senior Living, we developed our communities knowing that living not only an independent lifestyle is a cornerstone to a rewarding retirement, but so is maintaining an active one. That’s why each of our communities includes a fitness center, where we provide state-of-the-art equipment, as well as organized classes that teach a variety of activities for all levels of physical fitness.

Below are several great exercise practices that Parkview offers our residents. These all put minimal stress on bones and joints and are fun to boot. As always, check with your doctor prior to starting any exercise regimen.

1. Resistance Band Training – Parkview’s fitness centers have an array of resistance bands available for use. Bands work your muscles using little resistance and allow you to work your way up to harder resistance without having to buy expensive equipment.

2. Weight Training – Don’t panic! You don’t have to start bench pressing lots of weight to get healthy muscles and gain overall tone. Start with the smallest amount of weight dumbbell and increase weight when you feel comfortable. You can also do bodyweight exercise that are very simple like chair squats, wall pushups, stair climbing, and the bird dog. All that’s required is a little floor space, your own bodyweight, and possibly a chair or table to get started.

3. Yoga – Yoga has become popular with seniors, primarily because it is flexible to adapt the practice to fit your individual needs. Yoga combines physical poses with mindfulness, breathing techniques, and meditation so it can benefit you in many ways:
» Improves strength, flexibility, and endurance
» Lowers the risk of cardiovascular disease
» Prevents falls by improving balance
» Manages arthritis, pain, and inflammation
» Improves sleep quality
» Facilitates the grieving process
» Manages depression and anxiety

4. Tai Chi – This ancient Chinese martial art is a discipline that involves the mind, breath, and motion. It is wonderful for seniors because it helps with muscle strengthening and increasing flexibility, both of which help with balance.

And let’s not forget walking! Each Parkview community has a lovely walking trail, which encourages our residents to keep moving and enjoy the beauty of not only their new home, but also our glorious East Tennessee surroundings and seasonal delights.

Walking is something most of us do every day anyway, so why not do just a little more of it, but with intent! Experts recommend most people take at least 10,000 steps per day. That may sound hugely overwhelming, but you don’t have to start out at 10,000 right out the gate. What you do have to do is put one foot in front of the other. Any amount of walking is great and can impact your health in a positive way. Most smartphones have built-in apps that will keep track of your steps for you. So grab your headphones, listen to a podcast or your favorite music, grab your walking buddy, human, or furry, and off you go!

At Parkview Senior Living, caring for and encouraging our residents to live their lives to the fullest is what we believe in and care about. We invite you to discover the Parkview Senior Living difference for yourself by scheduling your personal tour today.

Parkview Senior Living

770 Broome Road
Knoxville, TN 37909
865.357.2288

1413 W. Broadway
Maryville, TN 37801
865.980.8810

COMING SOON!
Emory Road & Tullahoma, TN

www.ParkviewSeniorLivingTN.com

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Marsh Wealth Management

The Rules Just Changed for Your Retirement

By Yvonne Marsh, CFP®, CPA

The SECURE Act was signed into law in late December 2019 with little public fanfare. But it’s sending shock waves through the retirement planning world. If you have a retirement account or will inherit a retirement account, it’s important to understand what just happened. The Act was designed to improve the ability of Americans to save for their retirement, which overall it did. But true to form, they slipped in a taxation change that is projected to raise more than $15 billion in new tax revenue over the next decade, according to the Congressional Research Service. And we know whose pocket that is coming out of – yours and mine. Tax planning is truly imperative now.

On the good side, the SECURE Act raises the Required Minimum Distribution (RMD) age to 72 from 70½. This RMD age is when the IRS steps in and dictates an amount you must withdraw from your pre-tax retirement accounts and pay the associated income tax. Having more flexibility to wait until 72 is a plus for taxpayers. This change only applies to people who turn 70½ in 2020 and beyond – if you were born in July 1949 or later. For everyone else, the old rules still apply. The Act also removes the age 70½ restriction for contributing to an IRA. If you’re still working, you can keep contributing.

Also on the good side, to combat retirees’ fears of running out of money, the SECURE Act has made it easier for employers to add a lifetime income annuity as an investment option in retirement plans. This is an especially important change for those employees without access to a corporate pension, now giving them the option of saving into their own annuity that will provide lifetime income in retirement.

While the SECURE Act has many positive provisions beyond the two already mentioned, there is also a huge tax blow lurking for people who inherit IRAs and Roth IRAs beginning in 2020. Under the old rules, non-spouse beneficiaries could generally stretch their taxable inheritance distributions out over their lifetimes – thus leaving the bulk of the inherited IRA asset safely tax-deferred and generally growing at a rate that exceeded the required distribution. In theory, these inherited assets, especially Roth IRAs, could pass from generation to generation in a tax-sheltered way. But not anymore.

The new rules dictate that non-spouse beneficiaries must empty these accounts by the end of the 10th year following the year of inheritance, and it applies equally to traditional IRAs and Roth IRAs. For traditional IRAs, that “emptying” process is all taxable income. Your heirs have to report that income on top of their regular income, and at a time when they’ll probably be in their highest earning years. To think that a third of your IRA could be lost to taxes is a very real possibility.

What are we to do? Take action now while taxes are on sale! Our current lower tax rates are legislated to expire in December 2025, so you have six years left to do systematic Roth conversions and slowly convert your taxable IRA to a tax-free Roth. Think of it as you’re paying tax on the “seed” knowing that your heirs will reap a tax-free Roth “harvest” when they inherit it 20 or 30 years from now. Someone has to pay the tax; either you, now, on a smaller amount or your heirs, later, on a larger amount – there’s no escaping it.

There is no perfect solution, though. The SECURE Act has dampened the planning value of that Roth IRA “harvest,” because even though it is importantly tax-free to your heirs, they still have to empty the Roth IRA within 10 years and invest it somewhere else. They can’t put much of it into their own Roth IRA because the contribution limits are extremely low and income limits apply as well. They’ll have to invest it into a taxable investment account (thus having to report the associated income every tax year) or look to cash value life insurance to create their own version of a tax-deferred Roth IRA.

Needless to say, the SECURE Act has created tax planning needs at both ends of the inheritance spectrum. Proactively, for IRA account owners to minimize the taxation at their passing. And reactively, for heirs to know how best to minimize the tax in that 10-year window and smartly invest their inheritance going forward.

We are hosting small group discussions to dive deeper into the new SECURE Act and discuss tax planning strategies in further detail. Space is limited, so call today.

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisor
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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Ms. C’s Bed & Biscuits

When You’re Away from Your Pet

Pet owners are often faced with the dilemma of “what to do with Fido when away from home.” You could take him with you, but what about hotel restrictions, travel-induced pet illness, and runaway pets? You could ask a neighbor, friend, or family member to care for your dog. This is well-meaning, but pets can escape or become seriously ill because of lack of reliable, frequent, and knowledgeable supervision from the part-time caretaker. A better option is to have professional care for your pet.

The question then becomes, “Do we board or hire a pet sitter?”
» Is my dog nervous or scared around unknown people?
» Is my dog aggressive or overly shy around other pets?
» How long will I be away from home?

Ms. C’s offers full-time, knowledgeable, and experienced team members who provide dependable, secure, and safe pet care with the exact same schedule (6:30 am to 6:30 pm) seven days per week, including Sundays and all major holidays.

To make your boarding experience a success:
» Every facility has unique philosophies and schedules. Set up a tour and prepare a list of questions to ask at each facility.
» Make certain that all vaccinations are updated at least eight days prior to boarding.
» Arrange a “pre-meet and greet” and then daycare at least once prior to boarding for Fido to become acquainted with the staff, play yard, and suites. We can then determine his preferred suite size and location. If Fido is a rescue and clings to your side, daycare is vital prior to boarding. This provides us the opportunity to evaluate temperament and find suitable playmates. Get acquainted daycare assures Fido you will always return. We offer daycare Mondays, Tuesdays, Thursdays, and Fridays from 7:30 am to 6 pm, plus half days Monday through Friday from 7:30 am to noon.

Our goal is to provide your pet with a happy and safe experience, enabling you to enjoy your time away knowing that your pet is loved and cared for.

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

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Realty Executives

Jump Into 2020 with Good Home Strategies!

For those interested in buying investment property before year-end, Aleex Conner, Realtor with Realty Executives Associates, and Lorie Jaynes, Senior Loan Officer with Mortgage Investors Group, will work closely with you to get the closing done before December 31st if at all possible. Be sure to consult your accountant for more details on potential year-end tax breaks.

Jumping into 2020, Aleex and Lorie can help you plan effective strategies for the purchase of a home. With the tax season hopefully comes a tax refund that you could use for a home purchase. Lorie will help analyze your debt-to-income ratio and determine ways to strategically reduce your debt as you save for a down payment. She will pre-approve you so you are confident you’ll know how much home you can afford, how much you’ll need for a down payment, and whether a 15-year or 30-year mortgage is best.

For those who need to sell their existing home first, Aleex will do a comparable market study to determine an optimum, realistic sales price. She will also do a thorough analysis to advise what needs to be done to increase your home’s marketability. Sometimes it’s the small touches that count, and even if you need to paint several rooms, this extra work could influence a buyer to choose your home instead of another.

List your home with Aleex Conner during December 2019 or January 2020 and receive a COMPLIMENTARY PRE-SALE HOME INSPECTION VALUED AT $350. You’ll know if something expensive needs to be repaired BEFORE setting your sales price, plus your home will be more attractive to buyers with repairs already done.

Realty Executives Associates
Aleex Conner
865.591.6348

Mortgage Investors Group
Lorie Jaynes
865.315.8085

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