Who You’re Going To Call

O ered by: Melissa Rippy - Rippy Insurance Agency / Allstate

November marked our seventh year of business in the Brighton community. We are grateful to each of you we have met along this journey and are honored to still be here to help what matters most.

One of our favorite parts of being a small business is that we get to know our clients and their families and build relationships with them over the years.

For the past eight years, we provide pies Grace Fletcher to our clients and they each get a choice of a pumpkin or apple pie during Thanksgiving. One of my favorite clients in our agency was Grace Fletcher. She would call me at diff erent times throughout the year, sometimes in March or the summertime, just to make sure we were still giving away pie because it was her contribution for her family during the holiday. One year the weather was frigid cold and the roads were icy. Grace said she was too fearful of driving so I hand delivered her pie to her that year so she wouldn’t be without.

Grace passed away on November 2nd, 2020. I asked her family here in Brighton if I could dedicate our pie giveaway going forward in Grace’s memory. The family agreed, and we are proud to share our fi rst year of “Pie & Grace.”

The COVID-19 Pandemic has made this year trying and uncertain for so many in our community and neighborhoods. Even though your Thanksgiving may look diff erent this year, don’t forget two things – Pie & Grace.

Quick and Easy is Not the Way

O ered by: Dolan & Associates, P.C.

The traditional approach to estate planning in America is a challenging system, at best. e chance of a successful planning experience is remote if you de ne “success” as “meeting people’s expectations”.

Most people consider the subject of death and dying taboo, and as a result professionals have created a reactive system that has the capability of producing as many problems as it solves. e process usually starts with professional advisors accommodating the individual’s desire to make the process as short as possible (think: trip to the dentist!). Sadly, as long as the experience is short and relatively painless, most “planning” experiences are treated as “successful”. However, this is an extreme disservice to you and your heirs because the heirs often su er the consequences of this type of planning.

Professionals rely on sterile form documents, with little e ort to educate individuals about their options and the additional steps necessary to actually produce results. is includes nancial advisors who recommend simple document acquisition, as well as attorneys who perpetuate the myth that the documents accomplish everything. In reality, people accomplish the tasks associated with estate planning, and people receive the bene t, or bear the brunt of, the results produced through the planning process.

Understanding the steps needed for success, customizing the plan to t your family, and preparing your family to e ectively implement the plan are critical steps to producing a smooth transition upon disability and death. ese steps are regularly disregarded in most estate plans because they take more time and e ort. ere is a better process available for those who take the time to seek it out. If you have questions, I encourage you to gain more knowledge about available estate planning options, by visiting www. EstatePlans atWork.com to sign up for a complimentary online workshop. Avoid Probate | Reduce Taxes | Feel Secure Estate Planning • Wills • Trusts • Business Planning Plans That Work. People Who Care.

Effi cient Probate And Trust Administration Serving Our Client Family Since 1996

Offi ces in Brighton & Westminster: Michael Dolan 303.654.0100

www.EstatePlansThatWork.com

The Truth About Estate Planning™ Workshop Join us via Zoom…

for our December workshop.*

Tuesday, December 15th 6:30 pm *Due to the latest COVID-19 protocol, this month’s workshop will be off ered via a virtual Zoom Webinar. Learn how you can create a plan tailored to your family by working with people who take the time to know you personally and truly care about you and your family. Reservations are required, so call to make a reservation today.

We will be collecting donations at our offi ces until December 11th!

Your Home Is Your Haven Let Us Bring You Home!

Happy Holidays! 

First Time Buyer Class!

Please Join us on December 13th, at 6:30 pm for our FREE First Time Buyers Class. Talk with our team and a Mortgage professional.

Those who attend the class will receive a FREE COPY of “Your First Home” by Gary Keller

Dan & Beth Cochran - Realtors®

303.709.3501

dan.haventeam@gmail.com www.thehaventeam.kw.com 1st Realty Associates INC The Haven Team

Serving You With Honesty & Integrity

Each Keller Williams brokerage business is independently owned and operated.

To SIGN UP for the class please call, email us or scan the QR code for the link to our Contact Page.

First time home buyers resources

O ered by: Dan & Beth Cochran - The Haven Team, Keller Williams

Buying a home can be an overwhelming process. From nancing to negotiating to closing, there are a lot of moving pieces that can leave homebuyers bewildered.

A real estate agent can help guide you through each step of the buying process, o ering sound advice along the way. By working with a professional agent who knows the ins and outs of the real estate industry, you’ll not only end up with a great home, but you’ll also walk away with a great experience.

Getting pre-approved by a lender

By providing your real estate agent with some basic information about your income, savings, and debt, he or she can assist you in getting pre-approved by a reputable lender. e lender will then go over your nancing options, what monthly payment amount you can a ord, and what you can expect for down payment requirements and closing costs.

Choosing a home

For most buyers, choosing a home is an emotional process. An agent can assist you in this process by o ering objective information about each property you look at. From local community information like schools and zoning to homespeci c details like condition and amenities, an agent can help you nd exactly what you’re looking for.

Making an o er

Once you’ve found the home of your dreams, an agent will research recent comparable sales of similar homes in the area to help determine a fair selling price. Based on those comparable sales, as well as other factors like inspections and repairs, an agent will then help you structure an o er and negotiate to get the very best deal possible.

We would love to walk with you on your journey to a new home! Please give us a call and lets grab a cup of co ee for a no hassle, free consultation. Dan & Beth with e Haven Team 303-709-3501.