Custom Cabinets Without the Custom Cost


By Carleen Head, Owner of N-Hance Wood Renewal

We love our kitchens! No longer just a place to prepare meals, our kitchens have replaced other living spaces in our home to become a focal point and gathering place for friends and family. That’s why we place so much importance on the appearance of our home’s kitchen.


Your kitchen, which features the latest styles and trends, say, from a decade or more ago, however, may be due for an update. But have you seen the costs of replacing a kitchen today? That’s why I launched N-Hance Wood Refinishing here in East Tennessee.

Did you know that N-Hance can help you update your kitchen into the showcase home look that you’ve been hoping for? And what you’ll appreciate even more is that you can update your kitchen for far less than you might have imagined.

Cabinet refacing is a popular alternative to replacing your home’s cabinets. N-Hance can help you renew and refinish your existing kitchen cabinets for two-thirds less than the cost of refacing. Also, our proprietary process offers you hundreds of color options to choose from, offering a near endless array of options. Our design consultants will help you select the finish that perfectly suits your individual styles and tastes, and they can help you further customize your look with a variety of finishing techniques, including glaze, an antique look, or other accenting.

An affordable and innovative option for refinishing your cabinets, why choose the expensive alternative that often requires a week or more to complete, not to mention the dust? N-Hance can transform your existing kitchen into the kitchen of your dreams in just a matter of days, and for 80% less than replacement and 65% less than resurfacing. Hmm… maybe there’s enough savings to update the master bathroom?

N-Hance Wood Renewal
865.806.7766
www.nhance.com/knoxville

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Granite Transformations


A Truly Transformational Experience

By Buddy Baker, Co-Owner of Granite Transformations

When my wife, Patti, and I left our lives in corporate America 11 years ago to launch Granite Transformations, little did we recognize just how transformational our decision would become for our family. Clearly at the onset, our focus was on our product, as it should be. We were selling the highest quality granite surfaces available anywhere in the world. No slab granite could match its superior characteristics for either strength and, more importantly, safety. In fact, our granite surfaces are so safe that they are the only surfaces certified by the National Safety Foundation as safe for food preparation in commercial restaurants.

Soon after launching Granite Transformations, we came to understand that we were doing far more than just installing granite countertops. We were touching the lives of families just like ours, and the kitchens we were helping to remodel were far more than just food preparation areas. They were gathering places where families gather daily to share the events of the day, as well as a gathering place for graduations, birthdays, anniversaries, and holidays. These experiences have truly transformed the way we approach our business today. We would like to think of it as more of a “family-to-family” experience. Our mission statement is to provide the best products, the best process, and best experience available in today’s remodeling marketplace. Our lifetime complaint-free, A+ rating from the BBB is an achievement that we have worked very hard to earn and is something that we are very proud of. Eleven-plus complaint-free years is virtually an unheard accomplishment in our industry.

I believe that it is because of our approach that during the last decade, we have become one of the area’s most trusted turnkey kitchen and bathroom remodelers in the Greater Knoxville area. From our Trascenda and Diamond collections of quartz, recycled glass, and granite countertops to our hand-crafted glass mosaic tiles and cabinet refacing process, we offer homeowners like you the perfect turnkey experience, in addition to all of the latest trend-setting products you’ll need to transform your existing kitchen or bath into that showcase quality kitchen or bath that you’ve been hoping for – all while remaining on budget.

As our special way of thanking you for both your support and encouragement during the past 11 years, Patti and I would like to offer you a special “family-to-family” incentive of up to $1,000 off your next kitchen or bath remodeling project to help you get started; a special thank you from my family to yours. Whether you are already part of our family of thousands of satisfied customers or new to the Granite Transformations experience, I would like to personally invite you to give me a call. Discover the Granite Transformations difference and take advantage of our special “family-to-family” savings offer. Let us help you add some extra happiness to each and every day.

Granite Transformations
10539 Lexington Drive
Knoxville, TN 37932
865.622.2381
www.granitetransformations.com/knoxville

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Exact Tile Inc.


Designed to Inspire

Designer-inspired tile and stone can transform any home, creating a visual panorama of color, shapes, sizes, and texture. Your only limitation is your own creativity, and if you require a little extra inspiration, you are invited to visit Exact Tile Inc.

Why spend hours touring model homes, reading custom home magazines, or visiting the big-box stores? The solution is simple. Visit the design and installation experts at Exact Tile Inc. Why? They have the largest selections of tile and stone products in Knoxville, and since 1999, they have transformed the tile and stone marketplace into a true craft.

Exact Tile Inc. offers homeowners a complete turnkey experience, starting with an extensive selection of tile and stone from all around the world, including:

» Casamood’s Vetro Mosaic, which uses sparkling interplays of light and the splendor of mosaics to show a refined transparency. Vetro Mosaic is available in 12 colors and two finishes.

» The newest creations from Erin Adams, one of the most celebrated mosaic tile designers in the United States. Currently she is collaborating with Tempesta to design an exclusive, inspired collection of tiles that represent a seamless fusion of exquisite stone and handmade ceramics. This exciting collection is offered in a variety of formats and 21 beautiful colors.

» Another Exact Tile Inc. exclusive is a ceramic Stretched Hexagon. This unique five-color option is a high-gloss mosaic that comes in three distinct facial styles. The stretched hexagon shape and ability to mix bevels and flats in the same installation creates limitless possibilities.

» From Italy, Exact Tile Inc. is pleased to present from Emil, the Viva 300 series featuring the Cersaie Collection, which is an original series based on three variants of salvaged wood and a Tangram.

Selection, inspiration, and quality installation are all combined at Exact Tile Inc. to offer you the unique opportunity to transform your next tile or stone project from an ordinary experience into an extraordinary experience, creating the custom, show house quality look that you have been hoping to achieve.

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

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Learn to Play Bridge on July 15th


Knoxville’s Learn Bridge in a Day™ seminars have been a huge success. Everyone always has a fun day of bridge. New friendships and partnerships have been developed as a result of those seminars, and those new players continue to enjoy this fascinating game.

On July 15th, Kevin Wilson will present another Learn Bridge in a Day™ seminar at the Knoxville Bridge Center. Participants will be introduced to the basics of playing and scoring contract bridge. Numerous coaches will be on hand to guide in actual play and to answer any questions.

This program is designed for those who have never played bridge, but it’s also for someone who might have played bridge years ago and would like to be re-introduced to the basics. Most importantly, it’s for anyone looking for an opportunity to meet new people while playing this fun and fascinating card game.

Participation in the one-day seminar will include follow-up beginning lessons during the next two weeks at no additional charge. Beginning with the third lesson, the Knoxville club will charge $5 per person.

“You can’t get any less expensive,” said Kevin. “We have a whole plan for them after the seminar.”

The follow-up bridge lessons will be held every Sunday afternoon at 1:30 or Tuesday evening at 6:00 at the Knoxville Bridge Center beginning July 16th and 18th.

Pre-registration is not required but highly recommended due to limited seating. Call 865-539-4150 today to reserve your seat, and you can begin playing the best mind game ever on July 15th. The cost is $30. Check-in time is 12:30 pm, and the seminar begins at 1 pm. Your new best friend and partner just might be there waiting to meet you.

The Knoxville Bridge Club is located at 7400 Deane Hill Drive in Knoxville. For a map and additional information, visit www.knoxbridge.org.

Bridge Lessons for Newer Players on July 16th and 18th

Knoxville’s Bridge Lessons have been a fantastic success during the last few years. Hundreds of new players have come to the lessons and now play bridge in our games that are available every day of the week. Many of these players attended the Learn Bridge in a Day™ prior to starting the bridge lessons.

The Knoxville Bridge Center hosts continuing bridge lessons. A new class starts on Sunday afternoons at 1:30 beginning July 16th and also on Tuesday evenings at 6:00 beginning July 18th. Each week the lessons are given on both days, and participants are encouraged to attend either or both – whichever is convenient with their schedule on any given week.

If you already have a bridge partner, come together. If you don’t have a bridge partner, why don’t you come to the lessons and find your new partner in bridge?

The first two weeks of the classes are free. Beginning the third week, the lessons cost $5 per lesson that you attend. It is hard to imagine anything as worthwhile and inexpensive as bridge.

For more information or to register, call 865-539-4150 or visit www.knoxbridge.org.

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Summer Sale-A-Bration


25% Off Now in Progress… 50% Off Begins July 15

As the temperature goes up, The Lily Pad prices go down! All summer merchandise is now 25% off, leading up to our HUGE semi-annual 50% off sale beginning Saturday, July 15, at 10 am.

As most of you know, this day has become quite a great social event! You’ll see lots of your friends and neighbors, all having fun and assisting each other find bargains galore!

To prepare for this major event, beginning July 1st, the entire “LaSale Boutique” (the large room in the rear of the store) goes to 70% off, clearing the way for the next season!

Shop our great selections of cotton gauze, now the most popular items we carry during the sweltering summer heat. These lines never go on sale as they’ve become staples year-round per customer request! Many new styles and colors are arriving daily, so visit our website or the store to check these lines out… unbelievable comfort, quality and design! Funky and fun, these styles take you anywhere!

Remember to mark July 16th on your calendar… it’s a day we look forward to… seeing so many of our Lily Pad friends on one day, enjoying yourselves and looking for your Lily Pad finds! You may want to come in ahead of time, try on and make your list so you’ll know what to hurry in for on the morning of the sale! We look forward, as you do, to this fabulous event!

There’s no way to clear the store of summer stock in one day, so if you prefer to shop when it isn’t so crowded, plan to come to Sweetwater in the following days and make it a leisurely day to shop and dine. The merchandise remains at half price until it’s gone! We’ll look forward to seeing you when we open the doors promptly at 10:00 am on Saturday, July 15th!

Lily Pad Boutique
209 N. Main Street
Sweetwater, TN 37874
423.337.5537
www.sweetwaterlilypad.com

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Is Entrepreneurship Right For You?


By Tom Irmen

To be clear, I use the term entrepreneur to refer to an aspiring small business owner and not an individual employed by a business that might exhibit entrepreneurial characteristics. The two individuals are very different, as a business owner risks everything, whereas a non-owner risks very little by comparison.


I don’t know if business ownership is part of the cultural fabric woven into the American dream or not, but it was for me. I do, however, believe that many would-be business owners often romanticize about becoming an entrepreneur and the perception they have of the freedom they think awaits them upon launching their very first venture.


Self-employment is clearly not for everybody, and far too many persons discover this only after investing a great deal of time and money into a new business. But there are steps you can take to avoid the same mistakes made by so many unsuccessful would-be entrepreneurs.

If you feel that you have what it takes to succeed in the self-employment arena, I would encourage you to seek the advice of several trusted and experienced business mentors who can help you to better appreciate what might lay ahead as you navigate the uncertainties of small business ownership. In addition, questions you may want to ask yourself include:

» Am I comfortable taking risks?
» Can I act independently?
» Can I be persuasive and compelling?
» Do I possess the necessary skills to negotiate?
» Can I think and act creatively?
» Do I have a strong system of mentors in place?

Starting and owning your own business can be an exciting and rewarding experience for the true entrepreneur that understands that they will confront far more challenges than they might otherwise experience as an employee. Becoming a successful entrepreneur requires careful planning, creativity, and, most of all, lots of hard work.


Statistics show that the potential for success as a business owner is very low indeed. But I believe that if these same statistics were adjusted so as to differentiate between the true entrepreneur and those would-be business owners possessing little more than good intentions, you would discover that the potential for success is likely much higher than you might have anticipated for the genuine entrepreneur.

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Marsh Wealth Management


Is Your Financial Team Playing in Harmony?

At some point in our life, we all need the advice of a professional – whether it is seeing a doctor for a health problem or hiring a lawyer to write your will.  You know you need some specialized help.  The same can be said with needing financial advice – especially when you are faced with a transition in life such as an approaching retirement, a change in marital status, or a sudden inheritance.  But it can be challenging to know who to turn to for financial advice.

In this issue of Everything Knoxville, we are excited to bring you this interview with Yvonne and Mike Marsh, co-owners of Marsh Wealth Management, a Registered Investment Advisor in the state of Tennessee.  Unique among their peers, Marsh Wealth Management has brought together a team of licensed professionals to address all areas of financial planning, including income planning, tax services, wealth management, insurance services, and estate planning. By working together under one roof, they create a holistic, complete service experience for their clients.

EK: Why is it important for people to understand that your firm is a Registered Investment Advisor (RIA)?

Yvonne: It all comes down to one word, and that is “fiduciary.”  As an RIA, we are held to a fiduciary standard of duty, which means we are required to act in our clients’ best interest.  In comparison, a firm registered as a broker/dealer is held to a suitability standard, which means they have to recommend a suitable investment, but it doesn’t necessarily have to be in their clients’ best interest.  There has been a lot of press about the DOL Fiduciary Rule that was set to take effect on April 10 but has been delayed.  This was an effort to bring all advisors providing investment advice for retirement accounts up to a fiduciary standard of duty.

EK: How can a person know if their current advisor is a fiduciary or not?

Mike: The easiest way is to simply ask them.  It’s a yes or no question.  The other way is to look at your statement and see how your advisor is being paid – if it is a flat-fee based on the size of the account, they are most likely a fiduciary. If you are invested in Class A or Class C mutual funds, for example, then the advisor is being paid by commissions and marketing fees, and that is not a fiduciary fee structure.

EK: So it sounds like it is important for consumers to understand how their advisor is getting paid.

Yvonne: It is very important.  We all need to make a living, and no one is begrudging anyone their due compensation.  But if I were a consumer, I would like to know that the investment advice I receive is free from conflicts of interest.  As an RIA, we don’t receive commissions or marketing fees from trades.  In our fiduciary, flat-fee based world, if the client’s account balances grow, we grow – it’s as simple as that.  I just read in the Wall St. Journal where Morgan Stanley is weighing whether to have its advisors stop using Vanguard funds because Vanguard will not agree to a revenue sharing arrangement with them. That’s actually one reason I love Vanguard funds – they keep their costs as low as possible and refuse to do any side deals with brokerage houses.

EK: While we are on the topic, how much does your firm charge for asset management fees?

Mike: Our fees range from 0.9% for households up to $500,000, 0.8% for households between $500,000 and $1 million, and 0.7% for households with more than $1 million in assets under management.  We use an independent custodian, TD Ameritrade, and create portfolios using diversified, low cost mutual funds tailored to fit with clients’ existing holdings.

EK: Yvonne, both you and Mike are CPAs.  How have you been able to combine your experience as a Certified Public Accountant with your skills as a Certified Financial Planner™?

Yvonne: The investment process begins with a plan – we can’t give advice on how to invest assets until we know “purpose” and “timeframe.” Being a CFP® gives me the expertise to create a solid plan, while being a CPA allows me to frame my investment advice with a tax-efficient overlay.  I like to say “It’s not what you earn, it’s what you keep.”  Tax efficiency is important in the investment world, and investment advisors who are not CPAs are prohibited from providing tax advice.   

EK: You spend a great deal of time asking questions of, and listening carefully to, your clients.  Why is this so important in creating a financial plan for your clients?

Mike: You have heard that saying about people having two ears and one mouth for a reason.  That is especially true in the financial world.  Understanding what is important to a client, both factually and emotionally, is paramount.  We also talk about their desires, their fears, and their personal risk tolerance for investing.  No two plans are alike, just as no two people are alike.

EK: I know that you are excited to introduce a new and totally innovative tool called Everplans™ that you provide to your wealth management clients.  Tell our readers about Everplans™.

Mike: Everplans™ are a secure, digital archive of everything your loved ones will need should something happen to you. It contains such things as legal documents, financial information, insurance policies, passwords, and information about your home (bills, vendors, etc.). It also includes health and medical information, advance directives, final wishes, and funeral preferences. We set it up, and then our clients grant access to whomever they choose – it breaks down the geographic boundaries if an executor lives in another state.

EK: For a person who loses a loved one, how can Everplans™ be of assistance to them?

Yvonne: Having an estate in good order is the last gift we give to our loved ones left behind. I have seen executors struggle through an estate closing process where no planning was done, and I have seen executors sail through the estate process when prior planning was done.  Our job is to make sure the i’s are dotted and the t’s are crossed for our wealth management clients.

EK: It would seem that your introduction of Everplans™ complements the planning, tax, money management, and estate planning services offered by Marsh Wealth Management perfectly.

Mike: We had previously been using a paper copy Family Estate Organizer binder, but stepping up to Everplans™ brings a higher level of service for our firm.  And we are hearing from adult children that Everplans™ is giving them a tool to start the dialogue with their parents and make sure everything is in order.

EK: For individuals or couples that would like to take that next step to learn more about Marsh Wealth Management’s planning process and fiduciary wealth management services, what is the best way to proceed?

Yvonne: We always offer a complimentary hour meeting for us to get to know each other and learn what is on your mind.  There are several ways to set up a meeting: Through our website at www.marshwealth.com, by phone at 865-622-2162, or by email to erin@marshpros.com.

EK: In closing, is there anything you would like to say to our readers?

Yvonne: We’ve built our firm by putting our clients first. We focus our efforts on serving, not selling. In fact, we begin our initial meetings by acknowledging that after the hour we spend together, one of three things will happen: You’ll be ready to move to the next step of working together, or (2) you’ll need some time to think about it, or (3) we’ll part as friends.  No pressure, no confusing talk.  Just solid financial advice.

Marsh Wealth Management

1341 Branton Blvd, Suite 105

Knoxville, TN 37922

865.622.2162

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 and Mike Marsh are Investment Advisor Representatives of MWM.  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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The Design Makes the Difference


The right landscape lighting design can turn your house into a showcase just as quickly as poor lighting design will reduce it to little more than an eyesore. Curb appeal isn’t just for daylight hours. If you spend your entire landscaping budget on plants and flowers, you only have curb appeal for half the time! Good landscape lighting design should draw attention to the architectural details you fell in love with when you purchased your home and highlight features in your landscape design, bringing beauty and drama to your yard, all while increasing the value of your home.

Think of your home’s lighting as a nightscape. A nightscape is like painting with light to show the beauty of your home. Quite often this could show off features that aren’t as prominent during the day but are captivating at night – as if revealing your home’s secrets. Lighting your home correctly will create two separate and beautiful landscapes – one a dayscape and the other your nightscape, each with their own character.

Every home has its own personality and unique features. A landscape lighting designer can show you how to highlight and help you decide which approach to take in your landscape lighting design. A minimalist design uses landscape lights to highlight your house and walkways in an understated way, whereas a statement approach uses more lights to highlight features with a dramatic effect. A balanced approach shows off the symmetry in the house or plantings. If you are mainly concerned with safety, you could take a safety approach and focus only on landscape lights for security. Many people choose a more natural approach that uses landscape lighting to emulate the way the moonlight dances through the trees. A professional landscape lighting designer can help you see which approach would work best for your nightscape.

If you’re considering outdoor lighting, I invite you to discover why Lighthouse Outdoor Lighting is East Tennessee’s first choice in exterior lighting. Call 865-484-4011 today or visit us at www.lighthouse-lights.com.

Lighthouse Outdoor Lighting

865.484.4011

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European Fine Hardwood Floors


A Customer’s Perspective

There’s really no better way to learn about a company than to speak with their customers. Recently Everything Knoxville had the opportunity to interview recent European Fine Hardwood Floors customer, Rebecca A. of Knoxville.

EK: Describe the previous condition of your home’s hardwood floors.

Rebecca: Our 10-year-old home includes two active children and three dogs. Our hardwood floors had several years of high traffic, were sun faded, and damaged with canine scratches, but water damage from a dishwasher leak made refinishing a necessity. Although I didn’t think a dustless refinishing option was within our budget, I contacted Valera, owner of European Fine Hardwood Floors, because of their reputation for quality and affordability. Much to my surprise, Valera’s bid was very competitive.

EK: Aside from their competitive pricing, what was your major reason for selecting them?

Rebecca: The major reason I chose them was because it was a dust-free option. Valera was also very knowledgeable about hardwood flooring. His approach was more about his workmanship and details. He took great pride in his work and was extremely warm and trusting.

EK: Describe your experience, including your opinion of European Fine Hardwood Floors’ owners and husband and wife team, Valera and Svetlana Tomescu.

Rebecca: Overall my opinion of European Floors was exactly as it was presented to me. My floors are gorgeous. In fact, my hardwood floors are better now than the first day I moved into our new home. European Fine Hardwood Floors offers a truly dust-free option. Valera arrived promptly daily for our agreed upon work schedule. He completed our project ahead of schedule and kept me informed of his progress throughout the entire process. He and Svetlana were a pleasure to interact with and took complete pride in making sure I was comfortable and happy with every aspect of the project. European Fine Hardwood Floors is what I would describe as a true family owed business that understands the importance of relationships. They want their customers to be happy, and they made every effort to ensure our satisfaction.

EK: Would you like to offer your recommendation to other homeowners who might be considering refinishing their own hardwood floors?

Rebecca: I was extremely happy with European Fine Hardwood Floors. I have never been more satisfied with any other renovation company I have dealt with in the past. While they exceeded our expectations, the warm character of Valera and Svetlana made the experience beyond exceptional. I highly recommend this family run, family driven service.

Are you ready to refinish your home’s hardwood floors? Discover the European Fine Hardwood Floors dust-free difference for yourself.

European Fine Hardwood Floors

865.640.3680

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Exercise: Your Key to Greater Longevity and Better Health


According to the Center for Disease Control, as Americans age, they exercise less.  According to the study, the older you are, the less exercise you get.  Inactivity ranged from 25% for those aged 50 to 64, 27% for those aged 65 to 74, and 35% for those aged 75% and older.  Inactivity is defined as moving around only to accomplish routine daily duties.

There’s no denying that routine physical activity among older Americans can boost not only their life expectancy, but it also lowers the risk of conditions such as heart disease, type 2 diabetes, dementia, and some kinds of cancer.  But is inactivity the result of age or our personal choices?  When you consider that a surprising 82% of older Americans living in Colorado exercise daily, you have to assume that inactivity is largely the result of personal choice.

So how can we motivate ourselves to exercise regularly?  An exercise partner can definitely be helpful, but a growing number of older Americans are discovering that a personal trainer represents your very best potential for success, as it combines both an exercise partner with fitness trainer that can help tailor a customer fitness program designed to help you achieve your personal fitness goals.

Once thought to be a personal choice reserved for the mega-wealthy, Fitness Together now offers an affordable alternative for those individuals seeking to improve their health.  Fitness Together offers a proprietary fitness system that provides you with both a certified, professional trainer and a premier, private, one-on-one personal training studio.

“I was 64 when I became a client at Fitness Together with a goal to lose 30 pounds before I turned 65,” said Cheryl Haskins.  “I was probably my biggest obstacle!  It was difficult to stay motivated.  Life tends to get in the way, and as many women, mothers, and wives do, I would put anything and everything else ahead of what I wanted or needed to do for myself.”

Cheryl had been doing Jazzercise three to five times a week for several years.  While pleased with the cardio benefits she experienced, she was unsuccessful at losing the extra weight she wanted to lose, despite trying a variety of diet programs.

“I stopped by Fitness together one afternoon, got some information, and set up a time to do a fitness test,” said Cheryl.  “The rest is history.  I definitely needed to be held accountable.  I knew that having a definite time and place and someone to workout with would keep me on track.”

Cheryl is just one of the many people that Fitness Together has been able to help achieve their personal health goals.

“We can’t stop the aging process,” said Cheryl with a smile, “but we can make it more enjoyable by getting the most out of life, and you can only do that by being able to participate fully in life.”

Regardless of your reasons for not exercising as regularly as you know you should, why not join Cheryl and the professionals at Fitness Together and discover for yourself just how wonderful the rest of your life can become?

Special:

Free fitness and nutrition consultation and a trial session ($149 value)

(New clients only, expires 7/31/17)

Fitness Together

Bearden
6513 Kingston Pike, Suite 112
Knoxville, TN 37919
865.212.2322

Farragut
11521 Kingston Pike
Farragut, TN 37934
865.671.2022

Hardin Valley
10752 Hardin Valley Road
Knoxville, TN 37932
865.249.7630

Northshore
9430 S Northshore Drive, Suite 102A
Knoxville, TN 37922
865.357.8663

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