ALL SEASONS SENIOR LIVING PRESENTS
YOUR SEASON
FALL ISSUE 2025
FOR THE JOYS OF SENIOR LIVING
Sharing Our Passion for Exceptional Living
Hello everyone,
I am excited to introduce myself as the Senior Director of Brand Management for All Seasons. I have a passion for customer service, brand development, and creating memorable experiences for our residents and families.
This summer has been such a wonderful season across our All Seasons communities—from lively outdoor concerts and garden gatherings to refreshing summer socials and wellness activities. We hope you’ve had the chance to enjoy these moments and create lasting memories with neighbors and friends. Seeing our communities come alive with energy, laughter, and connection is a true reminder of why we do what we do.
A little about me: I was born in Michigan, moved to Europe at a young age, and proudly called Italy my home. While living near Rome, I began my career in the hotel industry and later had the unique opportunity to work aboard a 3,000-passenger luxury cruise ship, an experience that taught me the true value of hospitality on a global scale.
In 2003, I returned to Michigan and joined an upscale apartment community in the heart of Oakland County. This led to a leadership role as General Manager of a large hotel and eventually to a new chapter with Beztak. For the past 11 years, I have been fortunate to grow alongside an incredible team, beginning as the Executive Director at the opening of All Seasons Birmingham and being honored with a promotion to my current role in 2018.
Today, I work closely with the ownership group and the community teams to ensure our brand standards are upheld and elevated across every All Seasons community. It is very rewarding to be part of a team that is dedicated to delivering exceptional service and meaningful experiences.
Outside of work, I enjoy traveling, cooking, and spending quality time with family and friends.
I am truly excited for what is ahead, and I look forward to connecting with many of you as we continue to grow the All Seasons brand. While summer has been a season full of joy and activity, we are equally excited for the months ahead. Fall will bring cozy gatherings, festive celebrations, and new opportunities to stay engaged and connected with your community.
Warm regards
Joe Del Serrone
Joe Del Serrone, Senior Director of Brand Management
National Wellness Month
National Wellness Month is an initiative designed to promote overall wellbeing by focusing on mental, physical, social, and emotional health. We celebrated with a variety of dynamic events, including:
Pet Therapy, brought joy and comfort to residents and an overall feeling of relaxation. According to the Alliance of Therapy Dogs, the need for emotional support from animals spans every age group. Therapy dogs can offer a special kind of comfort that humans simply can’t replicate. Just one visit with a pet can lift spirits for days, and that boost in mood can also create positive effects throughout the body.
Sound-bathing, which is an ancient therapeutic practice that uses various aspects of sound, such as vibrations, frequencies, and rhythms, to promote relaxation in the body, mind, and spirit. A 2022 study found that “singingbowl” sound healing was associated with increases in spiritual well-being and a reduction in tension and depressed moods. Researchers suggest that these effects can be experienced even in a single session, especially for those who are completely new to the practice. Another study in 2020 found that after a Himalayan singing bowl sound bath, participants displayed relaxation in their heart rates, stress levels and lower levels of anger, fatigue and confusion. Researchers suggest that sound baths are also safe, low-cost interventions for sleep disruptions, chronic pain and anxiety.
Importance of Sleep workshops, where we learned about sleep remedies!
Many of us know that we feel better after “a good night’s sleep” and are more grumpy or foggy if sleep-deprived. And there is now robust evidence similarly supporting that sleep is critical to not only our physical health but also our mental health. So remember - don’t sleep on sleep!
Wellness Challenge
This season, challenge yourself to stay healthy, connected, and joyful. Check off as you go!
❏ Take a walk among the colorful leaves
❏ Try a new soup or stew recipe
❏ Call or visit a loved one
❏ Attend a fall concert or lecture
❏ Journal before bed
❏ Spend 15 minutes outside each day
❏ Drink 8 glasses of water in one day
❏ Try a new hobby or creative project
❏ Share a memory with a neighbor
Meet the Team Lifelong Learning
JERALD DUNHAM FACILITIES DIRECTOR, ALL SEASONS
For over 35 years, Jerald has been an integral part of senior living communities all across the United States, serving as a facilities and maintenance team leader, director, and coach. Guided by the principles of being excellent, ethical, effective, and extraordinary, he enjoys being the go-to person for providing the best possible service to residents. He can often be found getting hands-on with his team, coaching the facilities and housekeeping staff, inspecting communities, and ensuring residents have a safe, comfortable, and beautiful place to live.
Jerald has been part of All Seasons for two years, and in that time, he has already made a lasting impression. When asked about memorable moments, he laughs, saying, “There are too many wonderful and funny stories to fit! I just love being the person our teams contact when they need to hear, ‘I’ve had that happen to me,’ and learn what I did to resolve it.”
For Jerald, the most rewarding part of his work is knowing that his efforts directly impact residents’ daily comfort and happiness. “I believe that we are here to make our residents feel at home and to be the difference in their day. I also think it is up to us to create new and better tomorrows for our communities,” he shares.
When he’s not at work, this born-and-raised Michigan resident enjoys making his home shine through renovations, remodels, and various woodworking projects. His latest adventure? Finishing his late father’s 1951 fastback Chevy, recently transported from Montana, which he considers a labor of love and a way to honor his family’s legacy.
Looking ahead, Jerald is excited for the year to come: “I am thrilled to see all the new and innovative ideas and projects come to life in our communities every year — these are the things that really set us apart!”
With his dedication, warmth, and hands-on approach, Jerald continues to make a difference in the lives of both residents and team members, ensuring that every day in the community is a little brighter.
The Osher Lifelong Learning Institute (OLLI) invites older adults to ignite their curiosity. OLLI enriches the lives of adults aged 50 and better through intellectually stimulating, deeply engaging, and high-quality experiences—including lecture series, classes, travel adventures, and vibrant social events. Serving a growing and diverse community of lifelong learners, OLLI creates opportunities for meaningful connection and continued growth.
Upcoming featured lecture:
Sight, Sound, and Scent: Collecting and Presenting
South Asian Art at the Detroit Institute of Arts
October 16
In recent years, the Detroit Institute of Arts has seen a renewed focus on art from the Indian subcontinent. In this lecture, DIA curator Katherine Kasdorf will discuss the museum’s multisensory presentation of South Asian art in the permanent collection galleries; recent acquisitions; and an upcoming exhibition that will bring together a group of now-dispersed goddess sculptures from Tamil Nadu (southeastern India), exploring their many transformations over a 1000-year history.
Katherine Kasdorf is a Curator for Arts of Asia and the Islamic World at the Detroit Institute of Arts. She curated The Art of Dining: Food Culture in the Islamic World and co-led the reinstallation of the DIA’s Asian art collection. She holds a Ph.D. in South Asian art history from Columbia University and previously held a Wieler Mellon Postdoctoral Curatorial Fellowship at the Walters Art Museum, Baltimore.
Lincoln Center Moments
Lincoln Center Moments is a free performance-based program specially designed for individuals with dementia and their caregivers. Join us as we bring Lincoln Center’s unparalleled artistry to an intimate and supported setting. Virtual programs are 90 minutes long, including live and recorded performances and activities facilitated by educators and music therapists that explore the work through discussion, movement, music, and art-making.
Highlights this fall include the soulful sounds of Heartland Songbook (October 9, 2025, 1–2:30 PM ET), Contemporary Dance (November 13, 2025, 1–2:30 PM ET), and Artists at the Atrium (December 4, 2025, 1–2:30 PM ET). Each performance offers the chance to experience worldclass music, dance, and artistry from anywhere!
Resident Spotlights
Celebrating resident artists sharing creativity, passion, and inspiration
KEGHAM TAZIAN
ALL SEASONS BIRMINGHAM
Award-Winning Sculptor and Painter
Kegham Tazian is an accomplished sculptor and painter whose work blends modernism, realism, and abstraction. His artistic journey began after migrating to the United States with his older brother, first settling in Fort Wayne, Indiana. In 1961, he attended the Fort Wayne Institute of Art, marking the start of a lifelong dedication to art.
Kegham began his teaching career in Michigan at Oakland Community College in 1967, where he served as Chairman of the Art Department and Director of the Smith Theatre Art Gallery for over 25 years. Over the decades, his art has been celebrated across the globe, with pieces included in collections at embassies, corporations, and museums throughout the United States, Canada, Europe, and the Middle East.
Recognized as one of Detroit’s most notable artists, Kegham was named Artist-in-Residence by the Farmington Area Arts Commission in 1995. In 2021, he gifted his sculpture Pyramid Earth to the city of Birmingham, an honor that also brought recognition from Governor Gretchen Whitmer for his lifetime achievements in art and education. Pyramid Earth can be visited at Linden Park. At All Seasons Birmingham, Kegham continues to inspire through his creativity and passion for art, sharing his talent and legacy with the community around him.
Experience Kegham’s creativity and the passion he brings to his art at Keghamtazian.com
PATRICIA SCHIFANO
ALL SEASONS ORO VALLEY
30 Years of Creating Silver & Artisan Jewelry
Patricia “Pat” Schifano holds a B.A. and M.A. in Art Education from N.J.C.U. and is a retired art teacher from the Bayonne, N.J. school system. She also enjoyed a successful career as a professional floral and event designer. Her handcrafted jewelry can be found at Tohono Chul Park, Hilton El Conquistador, and the Tucson Museum of Art Gift Shop.
Pat’s artistic journey began at the age of seven when her mother gave her a box of colored clay. “It opened a Pandora’s box of wild and crazy things that I, as an only child, learned I could do to entertain myself,” she recalls. Early on, Pat realized that being an art teacher was her calling. “I never stopped making stuff. Boredom is death. I must be making something all the time,” she says. Currently, Pat is creating alcohol-ink stained, textured copper earrings as well as metalstamped silver earrings and necklaces set with semi-precious stones. She is also brushing up on her drawing skills in a Monday afternoon pastel class offered at All Seasons.
“All Seasons is the perfect place for me to be me and to share whenever I can,” Pat says Pat has been married to her husband of 49 years, Patrick, a fellow retired educator and department chairman from the Bayonne School System. Together, they enjoy being part of a vibrant, creative community at All Seasons.
Upcoming Events
FASHION SHOW
All Seasons Birmingham
What better way to welcome Fall than with a Fashion Show? Join our favorite ladies from the FIGO Salon who will model all the latest styles. Bring out your best looks and strut down our catwalk - don’t forget to include accessories! We’re feeling fierce for itty-bitty purses, belts, power jackets, fedoras, and a timeless string of pearls. Whether you have a ready-to-wear look or a coveted couture piece, every thread has a story.
Recent Events
FILMMAKING WORKSHOP
All Seasons Birmingham welcomed the talented filmmakers behind “Familiar Touch” (Winner: Best Debut Film, Best Director, Best Actress, 2024 Venice Film Festival) for a meaningful acting workshop with our residents. This powerful session put storytelling, connection, and creativity in motion. Residents shared personal stories, explored their own narratives, and experienced firsthand how filmmaking can bring community, memory, and emotion together. We’re grateful to have been a part of this beautiful moment and even more grateful to our residents for showing up with open hearts.
CLASSIC CAR SHOWS
All Seasons Ann Arbor & West Bloomfield classic car shows were a dream! We sported our favorite classic road wear, danced away the day to Motown tunes, enjoyed summer refreshments, and kicked off the Labor Day weekend with an appreciation for an array of classic cars.
“FRIENDS OF THE CHILDREN” WALK-A-THON
All Seasons West Bloomfield
All Seasons Ann Arbor, Birmingham, Rochester Hills, West Bloomfield, and Monark Grove Clarkston residents have an opportunity to raise money for the students enrolled in the nonprofit “Friends of the Children-Detroit” at our Walk-a-thon at All Seasons West Bloomfield, a fun event with refreshments, live music, and healthy competition! Friends of the Children works to end generational poverty, using a model that is evidenceinformed and research-based with proven long-term outcomes.
MURDER MYSTERY WEEK
All Seasons Ann Arbor and All Seasons West Bloomfield
Residents are embracing the spooky season by helping to solve a “murder!” Throughout October, at pop-up events, happy hours, and musical performances, we will don our detective hats and look for clues to help solve a Murder Mystery.
ENLIVEN CIRCUS
The All Seasons Oro Valley Enliven neighborhood recently celebrated resident Ervin in a truly unforgettable way by bringing the circus right to the community. Friends, families, and staff had a ball, laughing, playing games, and enjoying lots of clowning around. Look for these exciting events happening in September and October
CARICATURE-DRAWING WORKSHOP
In a dynamic, one-of-a-kind workshop, All Seasons Rochester Hills residents learned to sketch cartoon faces of each other! Artist Andrew Sigman broke down the process, making it fun and easy, showing us how to visualize the face in a simplified way, and how to capture a person’s likeness. Participants learned to draw as many caricatures as possible, and left with their own caricatures drawn by the artist.
Signature Events
October
MICHIGAN
SASHA GUSIKHIN
Artist in Residence - Flutist and Vocalist
• WEDNESDAY, OCTOBER 22ND, 7:00 PM TO 8:00 PM
All Seasons Ann Arbor
• THURSDAY, OCTOBER 23rd, 7:00 PM TO 8:00 PM
All Seasons Birmingham
• MONDAY, OCTOBER 27TH, 7:00 PM TO 8:00 PM
All Seasons West Bloomfield
• TUESDAY, OCTOBER 28TH, 1:00 PM TO 2:00 PM
All Seasons Rochester
FLORIDA
JAROL MARTIN
Captivating Magician & Illusionist
• FRIDAY, OCTOBER 31ST, 3:00 PM to 4:00 PM
All Seasons Naples
Born in Santa Clara, Cuba, Jarol Martin discovered his passion for magic at nine years old and quickly became a celebrated illusionist. From winning competitions to performing on national tours and in prestigious resorts, he has amazed audiences across Cuba, the United States, and beyond. Today, Jarol continues to enchant crowds with his signature blend of wonder, showmanship, and cultural flair.
FEATURED ARTIST: SASHA GUSIKHIN
All Seasons Artist in Residence
ARIZONA
DIANE VAN DEURZEN & LISA OTEY
Dynamic Musical Duo
• THURSDAY, OCTOBER 30TH, 3:00 PM to 4:00 PM
All Seasons Oro Valley
Get ready for an unforgettable evening with Diane Van Deurzen & Lisa Otey, a powerhouse duo of international touring artists known for their soulful sound, playful humor, and heartwarming connection with the audience. Arizona Blues Hall of Famers, Diane & Lisa bring a blend of blues, jazz, and holiday favorites, featuring music from their acclaimed CDs including “You Got What I Want,” “Wild Women,” and the seasonal hit “Meet Me Under the Mistletoe.”
All Seasons has selected its fourth Artist-inResidence, vocalist and flutist, Sasha Gusikhin. Sasha will give formal concerts, facilitate music appreciation presentations, musical therapy workshops, and play informal and improvised gigs for residents at all six All Seasons communities in Michigan, Arizona, and Florida from AugustNovember 2025. She will also spend time enjoying meals and getting to know residents, staying overnight in the communities, and participating in community events.
Sasha Gusikhin is a vocalist, flutist, and multidisciplinary artist based in Ann Arbor, MI. Her work centers improvisation, interactivity, and co-creation as a means of community healing and health justice advocacy. She is a recent graduate of neuroscience and voice performance at the University of Michigan, committed to merging these disciplines to advocate for person-centered mental health treatment. She is the founder and Executive Artistic Director of NeuroArts Productions, an arts collective that aims to bring awareness to the emerging field of precision mental health, a paradigm for mental health care that aims to custom-tailor treatment to an individual’s unique
neurobiology: an alternative to the trial-and-error treatment that exists today. She also directs the Aphasia Community Friendship Center, where she and her team fuse principles of neuroscience and music to promote speech practice and community mental health for persons with communication disorders.
“All Seasons is thrilled to be presenting Sasha Gusikhin as our fourth annual Artist-in-Residence,” said Natalie Stringer, Director of Artistic and Intellectual Planning for All Seasons. “This Artist in Residence program is an opportunity for residents to build a lasting relationship with an artist, and to see themselves in the creative process of a new composition. It also provides a forum for the All Seasons culture to leave a lasting impact on the influential artists of tomorrow.”
During her residency, Sasha will perform both formal concerts and casual programs for residents at All Seasons Ann Arbor, Birmingham, Rochester Hills, and West Bloomfield each week on a rotating schedule, including classical and jazz standards by traditional and contemporary composers. Performances which take place in the Geddes Auditorium at All Seasons Ann Arbor will also be livestreamed and shared with residents in All Seasons Naples and All Seasons Oro Valley. Sasha will also travel to All Seasons Naples and Oro Valley to perform and get to know residents in communities in Florida and Arizona as well. Select performances will include collaborators and musical improvisers from across the country, curated by the Artist.
Celebrating 10 Years Celebrating 10 Years
Celebrating a Decade of Memories
This year, All Seasons Birmingham proudly celebrated its 10th Anniversary, marking a decade of creating meaningful experiences, fostering connections, and providing an exceptional lifestyle. The milestone celebration was a memorable event, complete with gourmet cuisine, live music, and lively dancing, setting the tone for a joyous and festive afternoon.
Guests reminisced about the community’s growth over the past ten years, from its early days to becoming a vibrant home for residents and their families. The anniversary highlighted the spirit of togetherness and the countless moments that have shaped the community into the welcoming place it is today.
As All Seasons Birmingham reflects on this significant milestone, it also looks forward to the years ahead, continuing to cultivate a space where residents can thrive, connect, and enjoy life to the fullest. The 10th Anniversary celebration was not only a celebration of the past but also a toast to the future, full of promise, connection, and new memories yet to come.
What We Are Reading
Seasons Naples“Absolution” by Alice McDermott in September.
Absolution is set in 1963 Saigon and follows American military wives as the Vietnam War escalates, centering on naive newlywed Tricia and formidable corporate spouse Charlene. Recalled through Tricia’s memories at the request of Charlene’s daughter, the story explores moral duty, women’s limitations and desires, and the costs of their “charitable” work. Their personal struggles mirror the unintended consequences of America’s intervention in Vietnam.
“Every book begins and ends with other people — the readers who suggest the book to us and encourage us to read it, the talented author who crafted each word, the fascinating individuals we meet inside the pages — and the readers we discuss and share the book with when we finish.”
– Donalyn Miller, Reading in the Wild
Division Street is full of secrets. An impulsive lie begets a secret—one which will forever haunt the Wilf family. And the Shenkmans, who move into the neighborhood many years later, bring secrets of their own. Spanning fifty kaleidoscopic years, on a street—and in a galaxy—where stars collapse and stories collide, these two families become bound in ways they never could have imagined.
All Seasons Oro ValleyNever Flinch by Stephen King
From master storyteller Stephen King comes an extraordinary new novel with intertwining storylines—one about a killer on a diabolical revenge mission, and another about a vigilante targeting a feminist celebrity speaker— featuring the beloved Holly Gibney and a dynamic new cast of characters.
All
All Seasons West BloomfieldSignal Fires by Dani Shapiro
Resident Journeys
DISCOVERING COMMUNITY, FRIENDSHIP, & HOME
At All Seasons, the heart of our community is found in the residents who call it home. Each story is unique, but all share a common theme, finding joy, purpose, and connection.
This month, we are honored to share the journey of Kay and Michael Melet, whose decision to move here wasn’t made overnight. With a little family encouragement, they discovered not only a beautiful place to live but also a vibrant community filled with friendship, comfort, and belonging.
Kay’s words speak for themselves, and what follows is her story, shared entirely from her perspective—a wonderful reminder of why choosing senior living can be such a gift.
Our oldest son from Chapel Hill, NC, and our youngest son from San Francisco, CA, came to our wonderful condo in Flint, MI, for an intervention. They insisted we move to senior living and make this change while we could still do it for ourselves. Since we were only 80 and 81, and doing just fine, we did nothing about their insistence.
Each night one of them would call us to see where we had visited and what we were going to do about it. This went on for a few months, and they became very aggravated with us. Knowing their sister lives in Ann Arbor, they decided to put together a list of five places for us to visit. We still did nothing.
Their calls became more and more intense, so we finally decided to visit one of their suggestions.
Reluctantly, we drove to Ann Arbor to see the first place on their list. We came to All Seasons Ann Arbor with the worst attitude, just wanting to appease the boys.
Michael dropped me off at the front door and went to park the car. My first impression upon entering was that this place is gorgeous. Sitting in the lobby was one of the residents. I spoke with her and found her to be absolutely lovely. My thinking was that if there were more people like her living here, I could perhaps do this.
We were then greeted by Heather, who took us on a tour of the building and showed us the model rooms. In the apartments, we loved the wooden floors and the fact that the carpet was beige, just like our home in Flint. Heading back to the office to discuss details, I began to feel we could live here.
On our way home, we called our sons and said, “We will make you happy and move to All Seasons Ann Arbor.” Their response was, “Oh no, you must visit the other four places on our list.” This made us very upset, but we decided to visit the other four quickly, knowing in advance that if we were moving to Ann Arbor, All Seasons Ann Arbor was where we would want to live. We were right, as none of the other four could compare to what All Seasons Ann Arbor offered.
We quickly signed a lease and began preparing for the move. Well, little did we know that it wasn’t just the beauty and offerings of All Seasons Ann Arbor we would love, but, first and foremost, the residents here. We have made so many wonderful friends, each with fantastic stories of their backgrounds. We could relate to everyone. For us, after living here for almost three years, it is our new friends for which we are most grateful.
The amenities are amazing—the library, the art and pottery room, the gym, the pool, the gorgeous auditorium with its fantastic programs and daily movies, and the food (which is actually too good). The staff are probably the second-best part of living here. All are so friendly and caring. We have nothing about which to complain.
We have actually apologized to our sons for our rotten behavior, as they were right. Life couldn’t be better for us.
Kay Melet
Resident, All Seasons Ann Arbor
Kay and Michael’s story highlights how moving to senior living can bring comfort, connection, and joy. Their experience is just one example of how residents across All Seasons communities find a place to call home, make lasting friendships, and enjoying a vibrant lifestyle. If you’re considering your next chapter, we invite you to visit a community near you and see how life at All Seasons can be both fulfilling and rewarding.
Want to hear their story in their own words? Scan the QR code below to watch a video of Kay and Michael sharing their journey and why they love living at All Seasons.
Your Culinary Adventure Awaits... Culinary Creations
Embark on a flavorful journey this quarter as our signature dinners bring the spirit of the seasons to life. Each event is thoughtfully designed to capture the warmth, creativity, and festive traditions of the season, offering a rich exploration of comforting and celebratory cuisine. Complementing these experiences, our Traveling Tavern presents themed selections inspired by the spirited Bootleggers Still, the imaginative Steampunk Tavern, and the welcoming Settlers Meetinghouse. Enhance your culinary adventure by participating in our engaging
SIGNATURE DINNERS
COCKTAIL OF
cooking demonstrations and savoring exclusive culinary creations curated just for you. Additionally, each month features a signature cocktail crafted to perfectly complement our themed dinners, providing a harmonious blend of flavors to delight your palate. Join us as we celebrate the art of food and drink, bringing seasonal joy and togetherness to your table. Happy Travels!
SEPTEMBER - BOOTLEGGERS STILL
Pimento Cheese, Ham & Bean Soup, Kentucky Hot Brown, Bourbon Balls
Cocktail Pairing: Moonshine Lemonade OCTOBER WITCHES BREW
NOVEMBER
CINNAMON MAPLE
WHISKEY SOUR
ZU C CHINI BREA D
ZUCCHINI
BREAD
| YEILDS 2 LOAVES
INGREDIENTS
DIRECTIONS
1. Grate zucchini in colander over a bowl to drain moisture.
2. Preheat the oven to 350°F.
OCTOBER - STEAMPUNK TAVERN
Artisanal Cheese Board, Lamb Split Pea Soup, Finger Sandwiches, Lava Cake
Cocktail Pairing: Airship Aviator
NOVEMBER - SETTLERS MEETINGHOUSE
Fruit & Cheese Board, Pottage, Meat Pie, Honey Cake
Cocktail Pairing: Pilgrim’s Pride
yields 2 loaves consistency is achieved.
3. Bu er two 9 x 5 5-inch loaf pans.
4. In a large bowl, whisk together flour, baking soda, baking powder, cinnamon, ginger, and nutmeg.
5. In separate large bowl, whisk the sugar, eggs, vanilla, and salt (omit the salt if using salted bu er).
6. Stir in the drained grated zucchini and then the melted bu er. Mix the ba er
7. Add the flour mixture, a third at a time, to the sugar-egg-zucchini mixture, stirring.
•3 to 4 cups grated fresh zucchini
•3 cups all purpose flour
•1 teaspoon baking soda
•1 teaspoon baking powder
•2 teaspoons cinnamon
•1/2 teaspoon ground ginger
•1/4 teaspoon ground nutmeg
•1 1/3 cup sugar
•2 large eggs, beaten
•2 teaspoons vanilla extract
8.Ba er should be pourable but not thin. If it’s too thick, mix in more water, a few tablespoons at a time, the desired
9.Divide ba er equally between the loaf pans.
10.Bake for 50 minutes at 350°F or until a tester inserted into the center comes out clean.
11.Cool in pans for 10 minutes.
12.Turn out onto wire racks to cool thoroughly.
Estate Planning
PROTECT YOUR LOVED ONES AND YOUR LEGACY
Many people assume estate planning is only for the wealthy, but the truth is, it’s for anyone who wants to make life easier for their loved ones. Without an estate plan, state law decides who inherits your assets, who cares for your children, and even who makes your medical decisions if you are unable to do so. This process can be time-consuming, expensive, and emotionally stressful for your family.
Estate planning gives you control. It allows you to outline your wishes so your family isn’t left guessing or struggling during difficult times. At a minimum, every adult should consider:
A Will or Trust –
Specify who inherits your property, how it’s divided, and any conditions. Trusts can also help avoid probate and maintain privacy.
Powers of Attorney –
Appoint trusted individuals to handle financial and healthcare decisions if you cannot.
FREQUENTLY ASKED QUESTIONS
What is estate planning, and why is it important?
Estate planning creates documents that outline how your assets, healthcare, and family matters will be handled if you become incapacitated or pass away.
What’s the difference between a will and a trust?
A will directs who receives your property after your passing but must go through probate court. A trust can help avoid probate, keep matters private, and allow you to set conditions for how your assets are distributed.
How can I protect my assets and minimize taxes?
Tools like trusts, lifetime gifts, and proper beneficiary designations can safeguard your assets and reduce tax burdens.
Who should I choose as my executor or trustee?
Select someone trustworthy, responsible, and organized. Family members are common choices, but some people prefer a professional or corporate trustee.
How often should I review my estate plan?
Every 3–5 years—or sooner if you experience major life changes like marriage, divorce, children, or significant financial shifts.
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