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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Discover Old-World Craftsmanship


European Fine Hardwood Floors
Discover Old-World Craftsmanship

“During our recent home renovation, my husband and I were looking for someone to install new hardwood flooring, finished on-site, throughout two-thirds of our home,” said Suzanne Rudd.

After receiving other estimates, Suzanne and her husband found Valera and Svetlana Tomescu of European Fine Hardwood Floors.

“We were impressed with their highly rated reviews,” said Suzanne. “Upon meeting the Tomescus, we were further impressed with Valera’s extensive knowledge, patience with our many questions, and thorough explanations. Valera is Bona authorized and certified and uses only Bona products.

“We chose to do much of the demo ourselves and decided to stay in our home during the entire remodel. I believe this gave both my husband and me a unique position to observe the entire process, from prepping the subfloor to the final finish. Always on time and always maintaining contact with us, Valera is a true craftsman with remarkable attention to detail, working conscientiously to achieve the highest standard throughout the job. I’d honestly describe European Fine Hardwood Floors as flooring ‘artists.’ Their work ethic is impeccable and seemingly untiring. Even the placement of each piece of lumber was scrutinized and re-done if they weren’t satisfied with the overall look.

“Working at home during the day, I watched the amount of work that went into every phase. Just the volume of Bona products, from multiple grades of sandpapers to finishes, was mindboggling. I had no idea that much work could go into flooring. And it shows! From the bare wood to the final finish process, we were and remain in awe of the process and are now in awe of our gorgeous flooring. We could not have found anyone who would have done such a thorough, professional, and lovely job. Remarkably, European Fine Hardwood Floors was in line with our other estimates.

“We’d been told by the other installers we’d have quite a lot of dust; European Fine Hardwood Floors said we’d have none. Other subcontractors working in our home laughed a little and said ‘wait and see, there will be dust.’ There was no dust. There was no cleanup of dust. None. It was wonderful.

“My husband and I had an additional bonus by staying in our home throughout the flooring process: We found the Tomescus to be friendly, always upbeat, and very considerate. We look forward to seeing them again for my office floor. I’d strongly recommend European Fine Hardwood Floors.”

Whether you’re contemplating new hardwood floors or refinishing your home’s existing hardwood floors, discover the European Fine Hardwood Floors difference of old-world European craftsmanship for yourself.

European Fine Hardwood Floors
865.640.3680
www.knoxvillehardwoodrefinishing.com

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McKenry Receives National Closet Design Award


Chris McKenry, Chief Organizing Officer of Closets by McKenry, is this year’s recipient of the Designer of the Year Award for Closets from the Interior Design Society.  The announcement was made at the IDS Awards Gala in Palm Springs on May 4th.  Presented by celebrity designers Carson Kressley and Thom Filicia, the award recognizes the creation McKenry did for the Master Closet in the 2018 Alzheimer’s Tennessee Designer Home and Garden Tour.

“While it was a privilege to have been chosen to participate in the inaugural Home and Garden Tour, this national recognition for my closet design is truly humbling,” said Chris.

This year the Interior Design Society had the largest ever number of submissions from across the county, and each award was chosen by a panel of 16 leaders in the interior design field.

When asked about the specifics of this project, McKenry shared, “The homeowner’s needs were considered, as well as the craftsman style of the home.  The footprint of the master closet totaled 175 square feet.  In the closet, gray melamine with mission fronts complemented the master bath design.  Antique mirrors were inserted into the doors above the custom dresser, which was topped with white quartz.

“The entry is in her Lady’s Boutique and features an island with hamper and jewelry drawers under a white quartz top.   Above hanging garment and shoe shelves are high cabinets available to store out-of-season items.

“The smaller Gentleman’s Haberdashery contains open cabinets for his hanging garments with shoe storage and drawers and cabinets above for long-term storage behind doors. This area leads to the laundry, which is divided by an 8′ dark stained pocket door.  For this reason, the entire system is 101″ high and features base and thin top trim to not compete with the crown molding in the room.”

Closets by McKenry was opened in 2015 after Chris returned to Knoxville after 15 years in Los Angeles, where he was a professional organizer.  McKenry said that when he was in LA, he often found that new closets did not always meet the storage needs of the client.

“I just love the beauty of an organized home, and my first step to design is a thorough assessment of needs,” he said, adding that the last step is the follow-up after installation.

Closets by McKenry
865.249.6382

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Say Hello to a Truly Customized Night’s Sleep


Brothers Bedding Mattress Factory
Say Hello to a Truly Customized Night’s Sleep

When you shop retail mattress showrooms today, it may appear that you have a wide variety of mattresses to choose from, but in fact, you really don’t. You merely decide that this in-store mattress seems to be more comfortable than the other in-store mattresses that you just tested. In a word, you settled!

Is there really a genuine alternative to the outdated way we buy mattresses today? You bet there is! Since 1938, Brothers Bedding Mattress Factory has been the undisputed leader in mattress innovation right here in East Tennessee. Other brand name manufacturers that produce in mass volumes to meet their demands merely offer you a limited selection of mattress styles and comfort levels.  Brothers Bedding Mattress Factory offers you a virtually unlimited selection of custom-made mattress styles and comfort levels to meet anyone’s needs. You will sleep well knowing every stitch, every cut, every measurement was done just for you by our master craftsmen.

With four convenient area locations to serve you, Brothers Bedding in Knoxville has been the most trusted way to purchase that “just-so-perfect” mattress for more than 80 years, and here’s why:

» Brothers Bedding custom manufactures your very own personal mattress to meet your needs and the needs of your spouse, because each side of your mattress is custom designed for that individual using only the highest quality materials. Unlike most competitive mattress companies, Brothers Bedding is home of the “2-sided flippable mattress” to provide even more years of sleep comfort.

» Brothers Bedding offers you a 120-day Comfort Guarantee and up to a 20-Year Non-Prorated Warranty. They truly care about their customers. If your comfort level is not perfect on your new Brothers Bedding mattress, no matter the reason, they will re-customize your mattress at no charge. You can even choose to come to the factory and see your mattress being made right in front of your eyes.

» The salespeople at Brothers Bedding Mattress Factory are highly trained to listen to your needs, educate you, and fit you to the mattress that will provide you with the sleep you’ve only dreamed of.

» Finally, get ready to save, because Brothers Bedding is the manufacturer; there is no middleman mark-ups or big marketing budgets here. You always save by buying factory direct. Your mattress is made the night before it was delivered fresh out of the oven.

Sound too good to be true? You are invited to discover the best way to purchase your next mattress. Say goodbye to pushy salespeople and high prices. Stop settling and say hello to hassle-free customer service, true custom comfort, and the best night’s sleep you’ve ever had.

As an added incentive, and for a limited time, take advantage of their savings of up to $600 when you add an adjustable base to any mattress purchase of $799 or more.

Brothers Bedding

220 N. Peters Road
Knoxville, TN 37923
865.337.8078

5610 N. Broadway Street
Knoxville, TN 37918
865.630.8001

906 Callahan Drive, Suite 110
Knoxville, TN 37912
865.268.8777

823 Foothills Mall Drive
Maryville, TN 37801
865.630.4222

www.brothersbedding.com

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Overcoming Your Fear of Going to the Dentist


Fear of any medical procedure, including dental procedures, is not uncommon. As Beth learned, communicating your concerns to your medical provider can help you overcome your anxiety.

EK: Beth, share with us your fear of going to the dentist.

Beth: I had a horrible and intense fear of going to the dentist because of awful experiences from previous dental work. That was before I learned of Farragut Dental Studio from Everything Knoxville magazine. Their entire team was extremely gentle, patient, sweet, and tender in helping me feel safe during every step of the process and at each visit. “Amazing” doesn’t even begin to describe how wonderful they are. They compassionately worked with me through tears and shakes to make me feel relaxed during my first visit, and each visit got easier because I could trust them to listen to me and put my comfort above just getting the job done.

EK: You mentioned that the setting itself was helpful in overcoming your apprehension. How so?

Beth: The atmosphere and environment of the dental studio is beyond comparison. They greet you with a warm compassion that makes you feel special and genuinely cared for. The dental process uses the most modern, high-tech instruments that make the whole experience so much better than you can imagine. It’s the only time taking x-rays have not hurt or made me gag. Also, there’s a flat screen monitor above that enables you to watch a show or movie while they work on your teeth. It’s a wonderful distraction that takes your mind off what’s going on. When you arrive for your appointment, they’re ready for you. No long waits when you’re there; it’s all about you.

EK: Would you recommend Farragut Dental Studio to others?

Beth: Absolutely! Dr. Vyas and his team are a blessing, especially if you have a fear or are just plain petrified of going to the dentist like I was. They will help you overcome your fears and provide you with a beautiful smile in a wonderful setting. They pay close attention to detail and describe your procedure to you in a way that is precise and clear and not just technical dental language. Also, they make sure that you always feel in control of what’s going on.

EK: In closing, is there anything else you would like to add?

Beth: Mere words don’t accurately describe my Farragut Dental Studio experience. I’m so grateful to have found them, because going to the dentist was like a living nightmare, and I needed a lot of work done. The results were incredible and literally brought tears to my eyes. If a dental practice could win a Nobel prize, they deserve it and would win it, hands down. Thanks to Dr. Vyas and his entire team. You have no idea how much your care and concern mean. I can get back to living life again. No more hiding!

Farragut Dental Studio
11201 W. Point Drive, Suite 101
Knoxville, TN 37934
865.288.0416
www.farragutdentalstudio.com

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Shae Design Studio


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You Might Need a New Closet


Borrowing from Jeff Foxworthy, here are some thoughts about organization:

  • If more clothes are on the floor than on your hanging rod, you might need a new closet.
  • If your wire shelving is falling from the wall, you might need a new closet.
  • If you wear the same pair of shoes every day because you can’t find the ones you want, you might need a new closet.
  • If your organizing system is to shut the closet door so you can’t see the clutter, you might need a new closet.

There are many reasons to consider getting a new closet system: To get better organized, to have more storage, to make a more beautiful space. The best reason to do any project in the home is to add joy to your life – to create a space that is welcoming and saves time getting dressed.

Before the current Maria Kondo craze, NAPO (National Association of Productivity and Organizing Professionals) members have helped clients deal with clutter and be better organized. Professional organizers help to demystify the challenges faced in being more productive at home.

Barbara Hemphill introduced the “Art of Wastebasketry™” in her book Taming the Paper Tiger at Home. It was Barbara that said, “Clutter is postponed decisions™.” In other words, the first step is deciding what needs to be edited. Then Julie Morgenstern wrote Organizing form the Inside Out, which states that we have to accept responsibility for our disorganization. She shares that change starts within us; the problem is not caused by others.

When Peter Walsh came on the national organizing scene, his theme was (and still is) we need to Lighten Up. Our clutter is weighting us down. Now it’s Maria Kondo’s time in the spotlight sharing that our things must bring us joy.

These are all great principles to learn from when organizing around the house, especially starting a closet design project. After the clutter is gone, a good custom storage design will give the best use of space. It can be grand or simple. Either way, having a system designed for your needs will keep things accessible and organized. And today’s closet systems have flexibility to change as your needs change.

If your closet does not add value to your life, then you need a new closet. Call Closets by McKenry for your complimentary consultation.

Closets by McKenry
865.249.6382
www.closetsbymckenry.com

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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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Celebrate Mother’s Day at Sweetwater Flower Shop


If you’re looking for the perfect gift for Mother’s Day, look no further than Sweetwater Flower Shop and Kelly D’s at the Mansion Restaurant, located in historic downtown Sweetwater. Treat Mom with a special day on the town at Sweetwater Flower Shop, featuring two floors of gifts, ladies’ apparel and accessories, jewelry, florals, and some Southern-inspired cuisine at Kelly D’s at the Mansion, which offers a graceful and charming southern ambiance.

Let Mom try on one of Sweetwater Flower Shop’s latest fashions, which she can further enhance with a stylish new scarf or perhaps a handbag from their extensive accessories selection. And while you’re browsing all of their recently arrived fashions, have Mom select a stunning jewelry accent piece from Sweetwater Flower Shop’s array of designer-inspired jewelry.

Another way to please Mom is to surprise her with a gift certificate from either the flower shop or Kelly D’s. Also, don’t forget that a silk or a cut flower arrangement is another way to remember Mom on her special day. Call 423-337-6623 to place your special order.  Deliveries are available in the Sweetwater area, or you can call ahead and pick up your order for a more personal delivery.

Sweetwater Flower Shop also has a wide assortment of memorials that can help celebrate the memories of a mother or grandmother who may no longer be with us but whom you wish to remember this Mother’s Day.

However you plan on celebrating Mom this Mother’s Day, every celebration can be made even more special with a visit to Sweetwater Flower Shop and Kelly D’s at the Mansion.

“Creating Memories That Last a Lifetime”

Sweetwater Flower Shop
118 W. North Street
Sweetwater, TN 37874

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