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The Spirit of Wertz & Company Page 12

Tax, Accounting and Business Solutions for the Next Generation of Entrepreneurs 5TH ANNIVERSARY ISSUE




ADVERTISER TESTIMONIALS “I know that my business wouldn’t be as successful as it is today if I hadn’t started advertising in South County Magazine when it first started five years ago. I have established relationships with hundreds of clients over the years, and then those clients also refer friends and family to me as well. It was one of the best business decisions that I ever made.” - Stephanie Frisch, Insurance 101 “One of the best marketing decisions I ever made was to advertise in Jody’s magazines. It generated clients directly and raised public awareness of the company in our market area. I highly recommend any of Jody’s publications that reach your target audience. Above and beyond that is the fact that Jody is truly interested in helping people prosper. She is always on the lookout for additional opportunities to serve her advertisers and readers. One can never have too many thoughtful, intelligent people helping you promote your business.” - David Allen, HelpURemodel “We love the South County Magazine and its associated publications. It has been a wonderful community to be part of and a phenomenal way for us to reach the community about important issues. We’re grateful for all the support Jody and her team have provided us over the years!” - Omeed Askari, OC Pharmacy

“Working with Jody and South County Magazine has been a fantastic experience from beginning to end. And there really is no end, considering they offer a wide variety of services for the local business who wants some great attention. The magazine is high quality. As a reader first, I always trusted South County Magazine to provide high quality content about the businesses in my area and the real people who own and operate them. South County Magazine highlights the efforts of local businesses with style and local business is the heartbeat of our communities. I was so impressed with the writing. Jody captured the essence of our company and the story behind it which is so important in our industry. Two thumbs up for South County Magazine - a simply great publication.” - Lindsey M. Fisher, CEO at A Mission for Michael “We have been in business for 9 years and we have always done advertising to reach new customers. Recently, we started advertising with South County Magazine and the calls began flowing in right away! Jody was so helpful and didn’t push us into a long-term contract. We believe that positive results are the only contract we need. We look forward to continuing to build our business even more with South County Magazine.” - Scott & Suzie Sells, Spot Free Windows, San Juan Capistrano “As local business owners and professionals, we are so lucky to have South County Magazine to reach our target customer through advertising and share our business ‘stories” and philoso-phies through the editorial opportunities. Working with South County Magazine couldn’t be easier. I was helped every step of the way - from the photography, writing and design - AND ALL AT NO EXTRA COST. Since participating, my business has tripled - a significant return on my advertising investment. Advertising with South County Magazine is simple, straight-forward and most importantly ... it works!” - Victoria Vannini, Howard Jones Salon, Dana Point “With many options when investing my advertising dollars, I decided to interview and research the local publications before I made a decision. After several interviews, it was clear we would put our trust into Jody and South County Magazine. Jody is a delight to work with, giving above and beyond professionalism and attention to detail. I feel she truly cares about the suc-cess of my ad and my business. Thank you Jody, South County Magazine is the best!” - Mary McPherson, Awoken Life Brain Wave Optimization, San Juan Capistrano JANUARY 2016




January 2016 Publisher Community Publications LLC. Editor Jody Robinson (714) 596-6611

Assistant Editor Sara Watt Editorial Assistant Alex DeFelice Sales & Marketing Marlo Andersen Anthony Arcurio Eric Bergstrom, Bergstrom Media Kim Roberson Distribution Managers Rolando Ruiz • David Starr Advertising Inquiries (714) 469-3495 Contributing Writers Beverly Blake Kristine Emerson Cara Fraser Shelley Hancock Samuel Henderson, PhD Nicole Howard Donald A. Hunsberger Ann Laurence Martin J. Lombrano, AIF® Betsy Sanz Tom Scott David Steenblock, D.O. C. Lawrence “Larry” Thomas Cover Photography Lana Farfan, Caught in the Moment Photography South County Magazine serves the communities of San Clemente, San Juan Capistrano, Dana Point, Laguna Niguel, Laguna Hills, Mission Viejo and Aliso Viejo. We will strive to continually improve with each edition and welcome feedback from our readers. For questions or comments, please e-mail the editor at





The 11th Tech Tool: Keeping Track of More than Just Our Sneakers 18 Understanding Annuities - a Q & A with Martin J. Lombrano, AIF®, LPL Financial Advisor 20 Why Antioxidant Skin Care? 22


Spotlight On: ReelTime Sight and Sound 24


The Spirit of Wertz and Company - Tax, Accounting and Business Solutions for the Next Generation of Entrepreneurs

Rancho Weight Loss - HCG • Lipo Injections • Nutritional Counseling 26 Top 10 Reasons Why ACA Health Plans are Better 28 A Creative Approach to Commercial Real Estate Lending 30

Spotlight On: Artifex Firearms Training 14

Stem Cells & Healing 32

Understanding the Brain in Alzheimer’s Disease 16



Happy “Healthy” New Year 36




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The Spirit of Wertz & Company Tax, Accounting and Business Solutions for the Next Generation of Entrepreneurs By Betsy sanz PhotograPhy by Lana FarFan, Caught in the MoMent PhotograPhy

Starting and running a business can be a risky, difficult thing. It takes a certain kind of person to even think about doing it, much less to actually execute. All the leading business publications, and any voice competing to be an authority on the entrepreneurial spirit, have a published list of personality traits that are common to entrepreneurs.


ourage. Passion. Vision. Tolerance of ambiguity. Tenacity. Flexibility. This is the heart of the entrepreneur. If entrepreneurs share common personality traits, it follows that they also face common challenges. Many entrepreneurs who start a business are not totally prepared for the reality of, well, business. Passion for baked goods doesn’t exactly equal passion for tax prep; a vision for new technological inventions isn’t always accompanied by a vision for corporate structure.

Paperwork. Bookkeeping. Tax strategizing. Investor relations. Growth and exit planning. This is the life of the entrepreneur. Fortunately for Orange County-based visionaries, there is Wertz & Company, the accounting firm that thrives on helping entrepreneurs turn their idea-driven ventures into businesses that can boom.

Entrepreneurial Roots Russ Wertz has the entrepreneurial spirit. Thirty years ago he took a leap of faith and cofounded an accounting firm of his own. Russ is a people lover and a problem solver. His clients

– particularly other entrepreneurs – would come to him for accounting and tax services, but would have many additional needs. “Entrepreneurs are a special breed,” says Russ. “They are hard workers. They are driven by belief in their product or service. But they don’t always see all the factors that can make or break their business. I have just always loved assisting and guiding them in all the financial logistics that go into making a business successful.” Because Russ cared about the success of their ventures, he found himself helping his clients in matters of cash flow, credit, banking, trust formation, staffing and more. He opened his door in a way that many accounting firms don’t. And his clients stayed. Over the course of thirty years, Wertz & Company grew to be one of Orange County’s premier tax accounting firms. Today, Wertz & Company employs over thirty professionals, half of whom are in their fifties, and half of whom are in their twenties and thirties, providing a wealth of both experience and energy to service entrepreneurs at every stage in their business’s growth.

A Next Generation for the Next Generation Russ matured along with his clients, like many accountants do. But unlike most accountants, who run the business lifecycle with their clients and don’t develop a strong case for succession in their own business, Russ created Wertz & Company to be a legacy company. To serve the next generation of entrepreneurs, Wertz & Company needed its own next generation of leadership. He and his company have found it in Katie Sterling.

Katie Sterling

Katie has worked in public accounting for eight years. Her experience includes working with closely held businesses and their owners, as well as working with startup companies from their initial launch through all the various stages of growth. Katie is passionate about the work that Wertz & Company does, and she is commit-

A recent case illustrates how Russ, Katie and their team helped a local company take advantage of their potential. A high-end baby toy wholesaler came to Wertz & Company in 2013 when they were experiencing exponential growth but didn’t have the resources to manage such rapid growth. On top of that, they were getting no support from their old accountant in terms of what Wertz & Company deems basic accounting services (i.e. tax planning, accounting support, assistance with bankers).

Katie with Company Founder Russ Wertz ted to taking Wertz & Company into the future right alongside the entrepreneurs they are serving today. “Katie is the next generation of Wertz & Company for the next generation of Orange County entrepreneurs,” says Russ. “They want their own accountants familiar with the issues of their generation, but they also want the experience, expertise and horsepower of a seasoned professional. That’s Katie. Not only is she now a part-owner at Wertz & Company, we are grooming her to be its next CEO.” “I truly love what I do,” says Katie. “Working with small businesses and entrepreneurs to solve business issues, simplify processes and plan for the future are the areas I enjoy the most.”

Serving the Needs of the Entrepreneur So what can Wertz & Company offer the Orange County entrepreneur? Tax preparation and planning, accounting, auditing, management consulting, financial advising, estate planning, and transition planning are the core services offered by Wertz & Company, and they have a whole division dedicated to serving the unique needs of entrepreneurs and small businesses. They call it their Entrepreneurial Services Division. “While it’s true that some of our clients now have large, mature businesses – they didn’t start that way,” says Katie. The Wertz & Company Entrepreneurial Services Division (ESD) has the flexibility to work with the unique cash constraints that start-ups face, while building financial and business foundations that can support growth. The ESD suite of services includes accounting system design and implementation, bookkeeping, accounts receivable/accounts payable management, bank reconciliations, preparation of monthly financial statements, periodic reports and analysis, budgeting and projection assistance, cash flow review and planning, cost control analysis, independent contractor compensation reporting (i.e. 1099’s, etc.), tax return preparation, and, perhaps most importantly, business advice and solutions to complex problems. “Most start-ups and small businesses don’t have internal financial professionals,” says Russ. “Entrepreneurs need a sounding board, someone they can call with questions. They often need advice on the structure of the business; sometimes they need help cleaning up their financials or tax documents; often they need to recruit good accounting personnel, or generally get the right banking, insurance and legal advisors in place. They don’t know what to do or where to go outside of their expertise. We love to help them with all of that. Of a hundred emails I get, seventy to eighty of them aren’t about taxes; they’re about business.”

FortunateLy For orange County-Based visionaries, there Wertz & CoMPany, the aCCounting FirM that thrives on heLPing entrePreneurs turn their idea-driven ventures into Businesses that Can BooM. is

Wertz & Company immediately put together a plan of action to get the accounting services shored up by providing ample accounting support under their Entrepreneurial Services Division service – not just making adjustments, but teaching the client about how to do it better so their financial statements became more meaningful to them. They put a tax plan together to help the client feel at ease about where they actually stood and how much to set aside for taxes; they also provided planning ideas to minimize such taxes where possible. They helped them get more meaningful financial statements to provide their bankers so they could maintain their vital lines of credit and obtain new letters of credit as they continued to expand. More than just providing financials, they engaged with the bankers to make sure their questions were answered and they had what they needed to make faster credit decisions. On top of all the financial and banking assistance, Wertz & Company rolled its sleeves up and helped manage the growth in a much more physical sense by successfully selecting, interviewing and hiring accounting personnel. Today, that company has expanded their operations overseas as a result of a planned growth strategy centered on a solid operational foundation.

Partners for the Long Term You might say that passion for the entrepreneurial spirit defines the spirit of Wertz & Company. With its own succession plan in place, an unabated enthusiasm for the work it does, and little to no client or employee turnover, Wertz & Company is here for the long haul, no matter what stage a business is in – whether it is starting up, refining its established operations, or strategizing its growth and expansion as mature companies do. Wertz & Company services everything from start-ups to $500 million dollar companies, and individuals earning from $150,000 to millions of dollars each year. The only rule? “We only service nice people,” says Russ.

Find out how Wertz & Company can help you by visiting or by calling (949) 756-5000. JANUARY 2016



lethal force in self defense. On the range, it is about effective concealed carry and the necessary skills and tactics to shoot accurately after drawing your handgun from concealment.

Question: What is concealed carry reciprocity?

Artifex Firearms Training Expert Instruction for Enthusiasts of Any Level


By Jody Robinson

uns can be weapons of attack or weapons of protection. They can be useful in responsible hands and lethal in irresponsible ones. Rather than delving into the dizzying debate that places some people squarely on the pro side and others in opposition, the purpose of this editorial feature is to address common questions posed by Orange County residents interested in professional firearms training and/or obtaining a California concealed carry (CCW) permit.

Former British Special Forces and founder of the South County-based Artifex Firearms Traning (established in 2013), Ben Smith and his team of instructors specialize "first and foremost" in firearms training - particularly CCW for Orange County and San Diego County residents. Artifex also offers individual and group shooting classes (and can sell firearms) and provides in law enforcement training for city, county and federal SWAT teams. A native Londoner, Ben's career path followed rather diverse passionate pursuits - the first as an attorney, or "barrister," as the profession is called in the United Kingdom upon earning a graduate level degree in law and passing the Bar, and the second as a member of the British Special Forces (he joined the Army as a reservist and chose a Special Operations unit). The founding principles of his military unit - humility, humor and the relentless pursuit of excellence - paired with an attorney's attention to detail and personal interaction with clients have undoubtedly contributed to the tremendous success of his company's growth to date. NRAcertified and insured, Artifex is an Orange County and San Diego Sheriff-Approved Provider of CCW Training. Ben prides himself on being able to employ veterans and former law enforcement and in "making the personalized connection with clients and delivering training that they would never get elsewhere." As a Court-Appointed Special Advocate (CASA), Ben mentors vulnerable and at-risk kids in the foster care system and volunteers his time to a charitable organization that specializes in the location of under-aged girls who have been sex-trafficked.

BS: This is where one state will recognize another state’s CCW permit. The magic 3 states to get are Utah, Florida and Arizona.

Question: What is the minimum age requirement?

BS: The minimum age is 21, which is the minimum age for purchasing at handgun in California.

Question: What are the different types/levels of classes/training available?

BS: We run pistol, rifle and shotgun classes at beginner, intermediate and advanced level. We also have specialty classes such as low-light training and close-quarter-combat training. We also run a ladies-only handgun and self defense class.

Question: Do you provide the guns or do clients bring their own?

BS: For the beginners classes, we provide everything (gun, holster, eye and ear protection, and ammunition). For the intermediate and advanced classes, we find that most students already own their own firearm, but we are perfectly happy to provide the guns and gear.

Question: What is the training environment?

BS: We use Prado Olympic Shooting Park, which is in my opinion the best outdoor shooting range close to Orange County.

Question: What are the ammunition requirements?

BS: You can bring your own, buy at the range, or pre-pay for your ammunition as part of the class payment.

In the following interview, Ben addresses frequently asked questions regarding the specifics of his firearms training programs and requirements to obtain a California concealed firearm permit:

Question: What's required to obtain a California concealed firearm permit?

Ben Smith: In Orange County, as with other California counties, you will need “good cause.” This encompasses a wide range of situations. Small business owners who carry cash as part of their day-to-day work will be approved, as will anyone transporting valuable goods, machinery or tools. Current and former military will be approved almost without exception. I discuss with and advise each and every client on their individual reasons. My recent clients have had diverse reasons such as death threats, the precious metals trade, and even being shot at as a result of road rage while on the freeway. Once you have established good cause, a face-to-face interview and Livescan background check will clear you to being issued your CCW permit - although be warned, the process is not quick!

Question: What is included in your classes?

BS: For CCW classes, we split the course between the classroom and the range. In the classroom, the focus is on educating students on gun safety and the law surrounding the use of JANUARY 2016



To connect with Ben, call (949) 861-0693 or email:

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Pieces of a Puzzle By Samuel Henderson, PhD

Alzheimer’s disease is the most common form of dementia. It is a progressive neurodegenerative disease that causes changes in learning, memory, thinking, planning and behavior. The disease currently affects an estimated 5.3 million Americans, and that number is expected to increase to over 13 million by the year 2050. THE HUMAN BRAIN The human brain is the control center of the body, as well as the most complex part of the body. This intricate organ is responsible for our ability to think, learn, interpret senses, create body movement and control behavior. The brain is made up of 86 billion nerve cells, or neurons. These neurons are linked by trillions of connections called synapses that help neurons communicate with each other. Through electrical impulses and chemical signals, messages are carried throughout the brain and the rest of the body. Although this complex network of neurons and synapses is only about 3% of body weight it utilizes 20% of the body’s energy.

THE BRAIN IN ALZHEIMER’S Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. Researchers continue to learn more about the way the brain works every day, and recent research has highlighted some changes in the brain of people with Alzheimer’s disease. Each of these changes is like a piece of a puzzle, and as each piece is uncovered it gets us closer to a full understanding of the disease.

AMYLOID One of the first changes that occur in the brain of people with Alzheimer’s, is the accumulation of a protein called

Alzheimer’s disease changes the way the brain works by altering the structure and function of the brain. JANUARY 2016


Amyloid-Beta, a small sticky protein that is thought to damage the neurons and affect the function of the brain. The idea that amyloid-beta is damaging the brain has been one of the driving forces in Alzheimer’s disease drug development. Unfortunately, targeting amyloid has been a difficult process and has not produced any new drugs for Alzheimer’s disease. Several large prominent studies are continuing to test the amyloid hypothesis, and it is likely that this theory is a piece of a much larger puzzle.

TAU Another characteristic change that occurs in the Alzheimer’s brain is the aggregation of a second protein called Tau (rhymes with now). The Tau protein stabilizes the structure of the pathways that carry substances and messages within neurons to support the function of the SOUTH COUNTY MAGAZINE

While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure.

Alzheimer’s is a disease that begins decades before it affects cognition.

brain. If these proteins become abnormal, they will form twisted fibers that accumulate inside the neurons, called tangles. The tangles will eventually destroy the neurons, reducing the brain’s ability to function effectively. These dying neurons are a common part of Alzheimer’s disease, and it is suspected that dying neurons lead to reduced cognition and memory. Researchers feel that Tau may also play a prominent role in Alzheimer’s disease, and that preventing the aggregation of Tau may improve memory and thinking. Researchers are targeting this protein for future drug development.

Recent studies have begun to suggest that there is an underlying metabolic defect in Alzheimer’s disease that it is related to damaged mitochondria. Mitochondria are the engines of the cell, they burn the fuel and produce the energy needed for memory and thinking. These damaged mitochondria may be contributing to poor use of glucose. Several large studies are currently underway to test if intervention in metabolic processes such as insulin signaling or ketosis can impact hypometabolism, thereby improving memory and cognition in patients with Alzheimer’s. Large scale neuron death and tissue loss is a prominent characteristic of Alzheimer’s disease, particularly in the cerebral cortex, where most information processing occurs. This loss of cells is likely to be due to a combination of amyloid, tau and hypometabolism.



Another early change that occurs in the Alzheimer’s brain is a reduced ability to use the brain’s main fuel source, glucose. Glucose is a type of sugar that is derived from the food we eat, primarily carbohydrates. Under most normal conditions, the brain runs almost exclusively on glucose, much like a car runs on gasoline. Glucose provides the energy for the brains activities, including the formation of memory and the completion of cognitive tasks. In recent years, sophisticated imaging techniques have made it possible to look at how the brain is metabolizing glucose. Studies using these techniques have shown that in the brains of people with Alzheimer’s, less glucose is being used than in people of similar age. This is often referred to as glucose hypometabolism. These imaging techniques have also shown that the decline in glucose metabolism is not a general decline, but instead is found in specific regions of the brain. These are the same regions that show accumulation of Amyloid-Beta and Tau. This pattern of decreased glucose metabolism is unique to Alzheimer’s and can help in the diagnosis of the disease.

While a great deal of progress has been made in our understanding of Alzheimer’s disease, it is still a disease with no cure. As researchers continue to study opportunities for new drugs and therapies to treat and eventually cure Alzheimer’s, it seems likely that all of the various theories play a role in this complicated disease. Fortunately, well controlled late stage clinical studies are currently underway in each of these areas. Information gained from these studies will be vital to our understanding of the disease, allowing the pieces to be better fit together and progress to be made more rapidly.

FITTING THE PIECES TOGETHER The aggregation of Tau and the occurrence of glucose hypometabolism have traditionally been thought of as a sign of an unhealthy cell, much like leaking oil and poor fuel economy is the sign that something is wrong with your car’s engine. Yet, research now suggests that Tau and glucose metabolism may be contributing to the disease process and are not innocent bystanders. Glucose hypometabolism can be seen very early in people who are at risk of Alzheimer’s, long before they begin to have problems with memory or thinking. In fact, the Alzheimer pattern of glucose hypometabolism has been seen in people as young as 31 years old, suggesting that JANUARY 2016


If you or a loved one has been affected by Alzheimer’s or memory loss, please consider participating in a clinical trial and be a part of finding a cure. For more information on clinical trials in this area, go to, a website sponsored by the U.S. National Institute of Health. Dr. Samuel Henderson, PhD is the Vice President of Research & Development at Accera Inc. Accera is a clinical stage pharmaceutical company that develops therapies for central nervous system disorders. Dr. Henderson has been working on Alzheimer’s disease and neurodegenerative disease research for more than 10 years. Previously, he investigated the genetics of aging at the University of Colorado and was the Lead Scientist at GenoPlex, Inc. researching anti-aging technologies. Dr. Henderson received his PhD in Molecular Genetics and Cell Biology from the University of Chicago, and has a BA in biology from Washington University.



Keeping Track of More Than Just Our Sneakers By Donald A. Hunsberger

U.S. News and World Report presented an article in their November 16, 2015 issue entitled “10 Essential Tech Tools for Older Adults.” The subtitle further elaborated: “From medication monitors to GPS insoles, these devices make life easier and healthier for seniors.”


ach of the 10 Tech Tools held its own as a great idea for those of us in the “Older Adult” category, but it quickly occurred to this reader that there was need for at least one more help item beyond Smart Watches, Fitness Trackers, and e-Readers in the lives of most seniors. While it is important to keep track of our blood pressure and to be able to Skype our grandchildren after they have gotten their baths, technology also gives us the ability to monitor our financial situations on a much more efficient basis than what our parents and grandparents could have ever hoped for. Every person whose working days have ended, or even simply shortened or slowed, should interview his or her financial advisor about adding access to monitor the financial instruments that are supporting time away from the workplace. Jim Gilmore, CFP, of Integrated Capital Management, explains that his clients use “eMoney,” a third party program from eMoney Advisor, LLC. designed to “allow clients and advisors to engage and collaborate” on an ongoing basis. “Any time a client has a question about her finances,” Jim explains, “she can either look at the report on her own, or she can call me and we can review the information together. Most of my clients learn how to monitor their investments and other assets a great deal more efficiently JANUARY 2016


with this program than they could ever do in the past. It helps them to constantly know where they are, financially speaking.” Conversations with a number of financial advisors and planners led to information about multiple programs, including MoneyGuidePro, SpreadSheet, Profiles and Money Tree among others. And while eMoney appears to be the most widely used program by financial professionals, what the programs all appear to have in common is that they give better information access to the person who wants to be able to track of how his or her finances are keeping pace with the goals which that person has set for his or her retirement years. In fact, some of the programs include comparison screens to match the client’s current financial status with the client’s stated long- and short-term financial goals. Any senior who is considering looking for a computer money management software program is advised that a number of advisors interviewed indicated that they often make the programs available to their clients at no charge to heighten the benefits their firms can provide to their customers. This is important to remember, because just like the many other “tech tools” considered by US News and World Report, these programs, while essential, can cost considerably more than a trip to the cinema.


Seniors should also remember that their life insurance policies should be included in the mix of assets under regular review. Unfortunately, one of the most common errors seniors make in their ongoing financial maintenance is failing to include life insurance policies in the asset monitoring when going over their portfolios, or worse yet, outright cancelling their life insurance policies. The result of this oversight becomes apparent later when their estates come before their attorney for administration: without an ongoing insurance presence, otherwise healthy asset portfolios often end up “ill liquid” at the time of death. The consequence? Trustees and executors end up having to sell off assets at times when such liquidation often leads to either lower profits, unnecessary taxes, or even outright losses. Television financial gurus often lambast life insurance, but attorneys or accountants who administer estates and trusts after their clients have died know that no widow has ever cursed the insurance agent when he or she delivers a death benefit under a life insurance policy. Likewise, we should remember that even the best “Tech Tools” for ongoing financial management cannot help our heirs if we forget that part of our portfolio planning needs to be not just “growth,” but also “liquidity.” If we forget to factor that variable into our long-term planning, we just may be forcing our families to end up selling assets at discounts after we die which will erase much of the benefits of our otherwise prudent planning.


Artifex Firearms Training EXPERT INSTRUCTION TO FIREARMS ENTHUSIASTS OF ANY LEVEL Our Chief Instructor served with British Special Forces for 15 years. NRA certified and insured. Pistol, rifle and shotgun classes. Competitions and corporate team building events. ORANGE COUNTY AND SAN DIEGO SHERIFF-APPROVED PROVIDER OF CCW TRAINING.

Call (949) 861-0693 or email

Hunsberger Law is a full-service estate and business planning legal firm, with estate planning attorneys and a licensed, professional fiduciary on staff. Connect with Don Hunsberger by calling (714) 663-8000 or visit JANUARY 2016



Understanding Annuities

A Q & A with Martin J. Lombrano, AIFÂŽ, LPL Financial Advisor What are you going to do with the money you have saved for retirement? One option is an annuity - a long-term retirement contract that can give you regular income over the course of your retirement rather than forcing you to manage a large lump sum.


he big difference between the old-time corporate pension plan and an annuity is that the amount you receive is entirely dependent upon how much you put into the annuity.

fixed annuity may pay a fixed interest rate for a certain period of time and often times the interest rate is set at the beginning of the annuity contract period.

Understanding how these tax-deferred investment choices work - and the differences between a fixed and variable annuity - can be a complicated proposition for the lay investor. In the following article, we asked Martin J. Lombrano, AIF (CA Lic. #0828215) to address commonly asked questions to help our readership navigate the available options in deciding if an annuity is the right investment vehicle for their individual retirement needs:

Q: Is it a good idea to buy annuities for my IRA or qualified plan?

Q: What is an annuity? Martin J. Lombrano: An annuity is a tax deferred investment contract issued by and insurance company. In general, an annuity will have an owner of the contract, an annuitant or person on whose life the annuity will be paid and lastly a beneficiary or the person who will receive funds at death. Q: What does an annuity do? MJL: “When you purchase an annuity contract, your annuity assets will accumulate tax deferred until you start taking withdrawals in retirement. Distributions of earnings are taxed as ordinary income. Withdrawals taken prior to age 59 may be subject to a 10% federal income tax penalty. Q: What kinds of annuities are there? MJL: Annuities come in a few different varieties. The two main categories are fixed annuity and variable annuity. A JANUARY 2016


MJL: Annuities for IRA or qualified accounts can be a good planning tool depending on the clients risk tolerance, time horizon and need for income. Since an annuity is already a tax deferred investment contract, IRA money inside of an annuity gains no tax advantages. However the annuity contract may have other investment and/or income benefits. Q: Are there fees associated with a fixed annuity? MJL: Yes. Most fees and expenses of a fixed annuity are factored into the stated annual percentage rate. Some fixed annuities may assess an annual contract fee. Be sure to read the contract carefully prior to making any financial decision. Q: How long will I be able to receive income from an annuity? MJL: Income from an annuity can be guaranteed by the insurance company for your entire life or for different periods of time the owner may pick when setting up income from the annuity as set forth in the contract. Guarantees are based on the claims paying ability of the issuing company.


Q: What is the primary difference between a qualified and a non-qualified annuity? MJL: A qualified annuity is a contract funded with qualified or pre-tax money which has been deducted from current income. A non-qualified annuity is funded with after-tax money meaning no tax deduction has been taken on the money put into the contract Q: Why are annuities issued by life insurance companies? MJL: Annuities are issued by life insurance companies because of the fact they may offer a death benefit to a beneficiary of a contract or guarantee a lifetime income to the owner of an annuity contract. Q: What is the primary difference between annuities and life insurance? MJL: An annuity will generally payout at death the account value, a stepped-up death benefit value or the original principal deposited less any withdrawals prior to death of an annuitant. Life insurance pays the value of the policy at the time of your death. Q: What primary factors influence annuity income? MJL: Depending upon the clients need for income, how long they may want income to be paid out and the type of annuity they own all influence annuity income. Furthermore, annuities are generally considered income producing investments. Q: Is an annuity appropriate if I plan to leave the money to my heirs? MJL: Annuities are generally best used for income generating purposes and may not be ideal to leave to heirs or for legacy purposes. In my experience when the annuity owner does not use the contract for income and leaves it to the heirs it may create tax problem for the heirs. There may be ways to avoid this after death in the case of a non-qualified annuity but each situation is different and requires an specific expertise in annuity contracts.

your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information. Please also ensure your biographical and broker/dealer information is here. Example: Martin Lombrano is a registered representative with, and securities offered through LPL Financial, Member FINRA/SIPC. or, from your website... Martin Lombrano is a Registered Representatives with, and securities and Advisory services offered through LPL Financial, a Registered Investment Advisor, Member FINRA & SIPC. Financial Planning offered through Pence Wealth Management, a Registered Investment Advisor and separate entity from LPL Financial. Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER™ (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 6608777 or email CA Insurance License # 0828215.

Q: What tax must my beneficiaries or heirs pay if my annuity continues after my death?

Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member.

MJL: In general, annuities adhere to the LIFO or Last In First Out method of accounting which generally means any gains in the annuity contract will come out first and be taxed as ordinary income as opposed to capital gain tax. There may be an opportunity to get partial tax advantaged income or death benefits if the right annuity planning is done. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from taxdeferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.

This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contract JANUARY 2016


Variable Annuities are suitable for long-term investing, such as retirement investing. Withdrawals prior to age 59 ½ may be subject to tax penalties and surrender charges may apply. Variable annuities are subject to market risk and may lose value.


Why Antioxidant Skin Care? By Shelley hancock


our skin is your body’s first line of defense against free radicals. Free radicals are everywhere- in the air, the sun’s rays, pollution and the environment- and they can wreak havoc on your skin. As an Esthetician I am bombarded daily to try new skin care products. After 28 years in the industry I have learned how to weed through them. It’s very easy for me to make an assessment quickly as to whether a product line is viable or not.

I was approached in August of this year by the owner of RejuvaSea product line. I did my testing as always and concluded that these products are the real deal. I’ve been working closely with them ever since. I have been referring my fellow Estheticians to these products. The feedback from other professionals has been phenomenal.

specialists have developed products with better efficacy, increased absorption and higher concentrations of proprietary RéjuvaPlankton® than ever before.

I had them as guests on my radio show on December 21st, 2015. I highly recommend you take a moment and listen to this episode.

Through clinical studies conducted with the Agricultural University of Athens, Greece they were able to clinically validate their proprietary antioxidant RéjuvaPlankton® to have the highest TAC (Total Antioxidant Capacity) than the leading antioxidants found in today’s top skincare lines. Studies show RéjuvaPlankton® is clinically validated to have 100X more antioxidant capacity than the melon, 18X more than grapes and 9X more than the goji berry.

I am proud and excited to be carrying their full line of anti-aging products at my skin care center. Let me tell you why these products are so amazing! The journey to beautiful, healthy, radiant skin begins in the waters of southern Spain, at their private sanctuary, Veta La Palma. Veta La Palma is one of the largest, most important sustainable sanctuaries in the world. Over 250 different species of birds feed in its abundant waters. They observed that some species, like the Flamingo, fly 150 miles every day to feed on the marine life in their preserve. What would compel this daily journey to Veta La Palma? There must be something in the water. With exclusive access to the sanctuary from their nearby skincare labs in Cadiz, RéjuvaSea® scientists began to examine the marine life of Veta La Palma to better understand the powerful draw of its waters. The flamingos knew something—their preserve was rich with marine phytoplankton, an extraordinary antioxidant and source of fatty acids, vitamins, minerals and amino acids. Their scientists were able to isolate what is believed to be the world’s most potent strain of marine phytoplankton (Claim based on Clinical Studies conducted by the Agricultural University of Athens, Greece). This breakthrough in marine science marked the discovery of RéjuvaPlankton® the sea’s most powerful antioxidant*, found only in the waters of Veta La Palma. In order to preserve the natural resources of Veta La Palma, their scientists replicated this nutrient-rich ecosystem at their research and development facility and designed an innovative method for sustainable harvesting of RéjuvaPlankton®. With an advanced extraction process, their skincare

What all that means for us, the consumer, is faster results with hydration and toning. I noticed a significant difference in just 8 days which encouraged me to investigate further and thus bring it into my skincare center for my clients. Please call to make an appointment to experience our RéjuvaPlankton® Deep Hydrating Facial. (RejuvaSea is not a multi-level marketing company).

Connect with Shelley at the Real Transformation Center by calling (949) 481-4037. Her oceanfront location is conveniently situated along scenic PCH in Capistrano Beach at 34700 Pacific Coast Highway, Suite 204. JANUARY 2016



Awaken Your Brain’s Limitless Potential "Brainwave Optimization was a Godsend. The process was so soothing, it was as if my brain was getting a massage and clearing all the stress and anxiety that was holding me back from moving forward with my life. The experience has changed my life in a way that is difficult to put into words. I sleep through the night, no longer with thoughts and worries keeping me awake, I don’t have the anxiety attacks that were literally taking me over. I look at life so differently with so much more peace, and passion for life. Thank you Mary for the added touch of healing through the process of the special gifts you have to help others see who they truly can be." - H.W., Laguna Niguel (actual client testimonial)

Call For More Information & A Complimentary Consultation

Brainwave OptimizationTM is a holistic, non-invasive procedure using EEG-based technology. If you suffer from any of these symptoms, clinically proven results can be achieved in as little as 5 days. ❍ ADD/ADHD ❍ Addictions ❍ Anxiety ❍ Brain Injury ❍ Depression ❍ Lack of Focus ❍ Learning Disorders ❍ Memory ❍ Migraines ❍ Panic Attacks ❍ PTSD ❍ Sleep Issues ❍ Sports Performance ❍ Stress JANUARY 2016



Mary Catherine McPherson, C.Ht. Advanced Provider

30320 Rancho Viejo Rd. San Juan Capistrano


ReelTime Sight & Sound Breaking free from the big box for your perfect home theater system


By Betsy sanz

hen you started planning for your ultimate home theater set-up and sound system, did you plot your perfect flat screen location and find that the outlets were placed at exactly the right distance, with the perfect electrical scenario for everything you wanted to do? Could you find the right media cabinetry for your particular space – cabinetry that wouldn’t catch on fire from the heat of the equipment, or that would simply look good in the room? Did you understand half of what the televisions, receivers and other devices could do, and did you have anyone to hold your hand to make sure you weren’t overspending for what you wanted?

Yeah, neither did I.

Big box retailers, the professed champions of value, are happy to sell you any home theater and sound equipment you think you might like, and send you off to figure it out at home. That’s what they do. And that’s all they do. If you want the home theater system that you envision, you need Skip Myers of ReelTime Sight & Sound, the guy you can lean on to take you from start to finish for the home theater or sound system of your dreams.

to move an outlet or none of the cabinets you can find will fit your space. We’re here to make sure you get the equipment that will give you what you want and the system that will work with that equipment, without leaving you to fend for yourself.” Skip opened the doors at ReelTime Sight & Sound in 1983. Today, the technicians and designers that Skip assigns to clients are all ReelTime Sight & Sound employees, knowledgeable in all home theater and sound technologies. First, they work closely with you to determine what you’re looking for. Then they custom design every aspect of the project, from wiring to custom-built cabinets, frames, or built-in wall designs. Finally, licensed, in-house contractors install your entertainment system with care and precision. There are a couple of things that people may not think about when they embark upon the road to their own home entertainment system. “You need to think about your home theater goals,” says Skip. “You don’t have to do everything at once – you can do it bit by bit – but if you know where you’re going, you’ll save money and when it’s all said and done, you’ll have exactly what you want and what you will actually use. We’re here to help you determine your goals.” Skip is also an advocate for getting what you’ll use, which is part of the design and planning process.

“Usually there is a part of the job that you find you just can’t do by yourself,” says Skip, who has overseen the design and installation of thousands of home theater and sound systems over the course of forty years in the business. “You get your brand new television home, you’re so excited, then you realize you need

“You can buy everything you want to, but if you can’t operate it, what’s the point?” he says. “There’s the television, DVD and Blue-ray; there’s the receiver, there’s Apple TV… it’s all great, but how do you get them to work together? We’re big advocates of the universal remote. Not everyone knows JANUARY 2016



how to get the most out of their systems with one powerful remote – they’re not expensive, but the best ones are computer-based. We’ll set that up for you so you’re getting the most out of your custom system.” In an age when technological changes seem to happen at lightning fast speed, it can present a challenge for less tech-savvy homeowners like me to keep up with the times. The ReelTime team understands that all these tech advancements designed to make life simpler should ideally arrive as a single, tiny user-friendly device - and delivers with its Sonos line of wireless HiFi products. You can add Sonos products to your existing components to create customized, networked programming or streamline your system with a single Sonos Play "smart speaker" that takes the place of your iPod, CD player, amplifier and computer to provide access to music from all your devices - in addition to streaming services (Sirius, Pandora, Spotify, iTunes, etc.). The volume and source are controlled through an app on your smart phone to fill an entire room with rich, layered, crystal clear sound.


Parkinson’s Disease Multiple Sclerosis (MS) Cerebral Palsy Stroke Traumatic Brain Injury ALS Heart Disease

The Sonos home theater components combine for a full surroundsound experience - whether you're listening to music, playing video games or watching television. This system starts with the Playbar (a nine-speaker wireless "soundbar") and adds one Sub wireless subwoofer and a pair of Play speakers for stereo effect. You get the idea: Whether you are starting from scratch or adding to your existing system, custom networking options from Sonos are virtually endless.

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It’s easy to assume that personal service is expensive, but a conversation with Skip and the experts at ReelTime Sight & Sound is free. Ultimately, in planning your purchases for the right outcome, you’re likely to save money while avoiding chilling setbacks. The only chilling you want to be doing is in front of your fantasy home theater system.

The SonoS home TheaTer componenTS combine for a full Surround-Sound experience - wheTher you’re liSTening To muSic, playing video gameS or waTching TeleviSion.

187 Avenida La Pata San Clemente

Connect with Skip Myers and ReelTime Sight & Sound by calling (949) 240-0555, stop by the showroom at 26381 Via De Anza in San Juan Capistrano or visit STOP IN FOR AFTER-HOLIDAY SAVINGS! JANUARY 2016

David A. Steenblock, D.O., Inc.

(949) 367-8870 25


RCMC Weight Loss HCG • Lipo Injections • Nutritional Counseling


By Ann LAurence

n today’s high-paced, high-stress society, we are accustomed to treating health problems after they negatively impact our lives, rather than proactively caring for our bodies. Unfortunately, waiting until a problem develops (such as weight gain) puts your overall health at risk. Poor nutrition, fatigue and stress can send your body on a downward spiral, leaving many people feeling hopeless and frustrated.

Imagine your ideal self. Would you weigh less? Have more energy? No longer struggle with chronic fatigue? Dr. Richard Mantell and the wellness team at RCMC Weight Loss are there to guide you to take control of your life and regain a healthy lifestyle. Whether you need assistance with medical weight loss, nutritional counseling and balancing stress, they can help. For several years, the clinic had aided many patients to successfully lose weight and change their lives through a truly transformative approach to “whole body wellness” aimed at helping them get healthy and stay healthy for life. Since opening his first weight loss office in 1995, Dr. Richard Mantell has recognized that being overweight is a medical condition. At RCMC Weight Loss OC, he and his partner, Dr. Bryan Veirs (they co-own both RCMC clinics - the original location in Rancho Cucamonga and their new office which opened in San Juan Capistrano last June) determine the underlying cause of each individual’s weight gain. For many patients, eating healthy and exercising is simply not enough to take off the pounds. Dr. Mantell and the RCMC wellness team take the mystery out of weight loss by using a medical weight-loss program designed to help patients lose one to two pounds a day for up to 45 days - and most importantly - keep it off.  “Losing weight is more than just diet and exercise,” says Dr. Mantell, who graduated medical school with a specialty in Internal Medicine and completed his medical residency at University of California, Irvine. “It is simply overwhelming without guidance and direction. The program will provide you with a private nutritional counselor to help keep you accountable for achieving your weight loss goals. Many patients have failed numerous times in their past dieting attempts, but are amazed when they find real success here.” RCMC’s cutting-edge medical weight loss treatments include integrating HCG injections, lipo injections, appetite control medication and nutritional counseling. The medically prescribed

Dr. Richard Mantell and his wife Jennifer.

injections protect your lean muscle mass while turning your body into a fat burning machine. HCG is part of a fast track medical weight loss program which helps patients drop pounds fast and feel more energetic than they have in years. Most notably, nutrition counseling and lifestyle advice helps patients correct negative habits that may have led to their weight gain in the first place, so the pounds stay off for good. “I’ve tried all kinds of diets and never thought I could make a life change,” says Annette P. “But thanks to everyone (at RCMC), I am doing it. I feel great. I’m loving the result. I would like to thank everyone (at RCMC) for giving me all the support I needed at times when I was going to give up.” Rey R. of Ontario echoes Annette’s assessment and adds “It is sometimes difficult to describe such great experience. The staff is VERY welcoming every time I come for an appointment. They have always been informative and knowledgeable about the program I’m on. They are extremely encouraging and motivating to keep me on path without being pushy. I would like to mention my favorite person to talk to at RCMC, but I can not choose one - they are all awesome! Thanks again RCMC for helping me become a healthier me!” “At RCMC, our patients are treated like family,” says Dr. Mantell. “We are available to our patients during and after hours. When our patients follow the advice we teach them, they will lose weight and keep it off.”

To schedule a consultation and diagnostic appointment with Dr. Mantell and the team at RCMC Weight Loss Orange County, call (949) 267-3886 or visit RCMC Weight Loss is located at 31888 Del Obispo, Suite C-2 in San Juan Capistrano. JANUARY 2016



Take Charge of Your Retirement Martin J. Lombrano, AIF®, LPL Financial Advisor 800-731-3623




• Defined Contributions Plans

• 529 Plans

• Will and Trust Review

• Defined Benefits Plans

• Asset Protection • Long-Term Care

• Beneficiaries & Ownership Review

• Executive Compensation • Annuities • IRAs

• Insurance • Business Succession Plans

• Intergenerational Wealth • Charitable Giving • Estate Administration

Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER(tm) (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. CA Insurance Lic # 0828215.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1⁄2 are subject to a 10% IRS penalty tax and surrender charges may apply. LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial. Co-Sponsored by Lincoln Financial.

5. You can purchase a zero deductible plan AND have a low out of pocket maximum as well. 6. There is no limit to the amount of physical therapy visits in a year. 7. Pediatric dental and vision are now included in all plans for children up to age 19. 8. Acupuncture is now covered.

Top 10 Reasons Why ACA Health Plans are Better By Stephanie FriSch

Now into its third season, the Affordable Care Act has changed the lives of millions. California leads the way as the most successful state run exchange for those applying through Covered California. Here are my Top 10 Reasons why I think ACA Health plans are better; 1. No one can be declined or charged more for health conditions. 2. Women pay the same premium as men do at any given age and vice versa. 3. The out of pocket maximum now INCLUDES doctor visits and prescription drug co-pays.

9. There are no plans offered by insurance companies that have “gaps” in coverage anymore. 10. Federal subsidies have helped thousands of people here in Orange County, if you’re reading this right now, more than likely, whether you know it or not, someone you know or love has felt a burden lifted by the assistance they’re receiving.

Happy New Year!

4. Preventative healthcare and immunizations are now covered 100% with no co-pays.

Stephanie Frisch is the owner of Insurance 101 and is an independent insurance broker dedicated to helping others make “educated decisions” about their insurance choices when it comes to Medicare, Long-Term Care Planning, The Health Insurance Marketplace-Covered California and Life Insurance. For answers to your questions, or an in-home, no-fee consultation, call (949) 351-2443.

Veterinary Care 7 Days Week 24-Hour Pet Hotel Professional Dog & Cat Grooming Daycare for Dogs 7 Days a Week Canine Obedience Training CALL US ABOUT OUR NEW PET SHUTTLE SERVICE Open 7 days a week, 365 days a year WALK-INS ARE WELCOME. Mon.-Fri 7 a.m.-7 p.m. • Sat & Sun 8 a.m.-5 p.m.

27341 Ortega Hwy. • San Juan Capistrano



FREE EXAM for all first-time clients one offer per household please







A Creative Approach to Commercial Real Estate Lending By C. Lawrence “Larry” Thomas

Financial institutions here in South Orange County view commercial real estate lending differently. Some limit this type of loan to facilities that are “owner occupied” by a business. Some do not lend for this purpose at all. There are many variations. real estate portfolio and developed a plan to bundle the properties into a unified commercial real estate financing package with suitable terms, appropriate for their business model, and that meets their specific needs. Further, this process formed the foundation of a consultative relationship between the bank and the customer. Partners Bank is now an important member of the company’s financial team. Commercial enterprises needing commercial real estate loans require a banking relationship that understands their needs. That can also be said for individuals who invest in commercial properties for their personal portfolios. Partners Bank understands their needs too and how best to meet them.


n the commercial lending world, there is no substitute for experienced professional lenders. Partners Bank’s cadre of lenders reflects this expertise and, as a result, the Bank takes a creative approach to commercial lending. Let’s look at an actual example of this creative approach in commercial real estate lending: A local Orange County company owns and operates assisted living facilities, providing care for local seniors in a home-like setting. The company needed commercial financing of multiple real estate loans attached to residential care facilities in converted single-family homes. The total loan amount needed was $4.1 Million.

The borrower was dissatisfied with conventional residential loan terms for assisted living residential care facility businesses and was referred to Partners Bank for a solution. They sought improved rate and terms and a consolidation of many individual loans on their properties with different financial institutions into one credit facility. The company had several existing banking relationships but none would offer suitable financing packages for the company’s growing assisted living businesses. Partners Bank went to work. The first task was to develop an in-depth understanding of the company’s business model and plans for the future. Next the bank analyzed their commercial

wheTher The Lending need is compLex or simpLe, parTners Bank has deveLoped a repuTaTion for Being responsive, creaTive, and Thorough in iTs Lending pracTices.

New commercial real estate lending relationships generally start with a prospective customer having a particular property they need to finance. An initial conversation is required to get to know the borrower and the details regarding the property. After sufficient initial information is gathered, the Bank will issue a “letter of interest” which serves as a proposal including the terms, fees, conditions, and other details. Once the borrower approves the letter of interest, the full appraisal and underwriting process begins, and complete documentation is collected. The amount of time this process takes depends on the complexity of the deal, the speed with which the appraisal is completed, and how quickly the required documents are presented. Whether the lending need is complex or simple, Partners Bank has developed a reputation for being responsive, creative, and thorough in its lending practices. It all starts with a phone call.

C. Lawrence “Larry” Thomas is Senior Vice President, Regional Banking Manager for South Orange County of Partners Bank of California. The region includes the cities of San Juan Capistrano, Dana Point and San Clemente. Larry can be reached at (949) 732-4020. Partners Bank of California – member FDIC. JANUARY 2016



We make math make sense. At Mathnasium, we believe that every child has the ability to be successful in math—it’s a matter of teaching the way that makes sense to them. When math makes sense, kids excel—whether they’re far behind or eager to get ahead.

Call us today for a free trial! Exp. 02.28.2016

Dana Point (949) 240-MATH (6284) Laguna Niguel (949) 360-MATH (6284) San Clemente (949) 481-MATH (6284)




Stem Cells and Healing They may be the future of regenerative medicine, but stem cells work most effectively when patients first ensure their bodies are ready to receive them


By DaviD Steenblock, D.O.

ou want to heal your damaged and/or diseased body parts and have explored all of the conventional, more "standard" treatment options. But if you are looking for a simpler, safer way to address many chronic and/or degenerative conditions, stem cell therapy can help your body repair the damage done to it from trauma, lack of oxygen or disease.

Stem cells can't "set a fracture," be used as stitches to sew up torn or cut tissues or eliminate germs - microbes like bacteria, viruses, mycoplasma and fungi need to be properly diagnosed and treated with traditional, curative therapies before stem cells will work to their maximum effectiveness. No matter how good the stem cells are, they just will not work as well as they will if you make sure that your body is ready to receive and grow them in the best "soil" possible. Besides a variety of blood tests tailored to the specific case, we usually recommend our patients with chronic diseases take the following tests: Quantitative Urine Organic Acid test; Comprehensive Digestive Stool Analysis; and DMSA heavy metal challenge test (all of these


ALS (Amyotrophic Lateral Sclerosis) Arthritis Alzheimer’s disease Cardiovascular conditions (recent heart attacks, congestive heart failure) Cerebral Palsy COPD (Emphysema, bronchitis, asthma) Diabetes Lupus Parkinson’s disease Stroke Traumatic Brain Injury (TBI)

tests can be done at home and in some cases, we can have you do these and as soon as the tests have been submitted, we can begin treatment based on our past clinical and laboratory experiences with the specific types of medical problem you have).

For information about the clinic’s blend of innovation and personalized regenerative medicine, including the use of stem cells, call David Steenblock, D.O. at (949) 367-8870 or visit Due to FDA RULES AND REGULATIONS a person must become a patient of our clinic to receive all of the information that you would like since the FDA does not allow descriptions of what diseases or conditions specific types of stem cells can help with as this makes these stem cells into a drug here in the USA. Stem cell healing as described in this article refers to the combination of diagnostic testing and wholistic therapies we use for personalized regenerative medicine and therapies for the benefit of people suffering from intractable, difficult to treat medical conditions.




Only the



for Your

Health WHAT IS A COMPOUND? A compound is what pharmacies call a drug that is made in-house in the pharmacy’s laboratory. Before big drug companies existed in the US, all drugs were compounded at your local pharmacy by a pharmacist and his or her technicians. Compounds are customizable medications created for an individual patient’s needs. Anyone can use a compound in place of traditional drugs and there are many benefits in doing so.

Call us today to see if a compound is right for you.

31654 Rancho Viejo Road, Ste. N San Juan Capistrano (949) 429-5326

WHY COMPOUNDS? • Made in the USA! Many drugs are manufactured in other countries. Do you know what goes into the pills you put into your body? Support a quality American healthcare brand like OC Pharmacy. • You can visit the lab where your medication was made - you can even watch your medication be made. • You can meet the technician that made your medication. • Many pharmacists may recommend a compound because customized medication may have better and/or faster outcomes. • Compounds are customizable - Have an allergy? No problem! • Compounds are safe - we follow strict industry guidelines for safety and are audited to ensure safety of the drug, the lab, our staff, and obviously the patient. • Cut the drug company out of the picture - know that your doctor isn’t taking kickbacks from big drug companies. • OC Pharmacy doesn’t skimp on ingredient quality, we use only the best from PCCA and Medisca - two of the leading suppliers of the raw materials used in compounding.

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“When I called Dr. Roth for an appointment my toe nails were in pretty bad shape. Besides being ugly, they hurt. Any pressure on the nail was painful and because of this, I stopped doing activities I enjoyed. With the laser treatment, I was given additional therapies to use at home and my feet and nails felt better almost immediately. Dr. Roth's treatment strategy has really paid off. After 3 months my feet and nails feel better and look great. I couldn't be happier with the result.” -S.N. Tustin-

351 Hospital Road, Newport Beach, CA 92663

Happy “Healthy” New Year! By Nicole Howard and cara Fraser

Mobile Notary Signed, Sealed & Delivered

Valerie Barrett Certied Background Screened

The ushering in of the New Year comes with big hopes and dreams. According to, getting healthy ranks among the most popular New Year’s resolutions. Sadly, there’s only about a six-percent success rate for all resolutions.


aybe that’s because people are approaching it the wrong way. A News Years resolution shouldn’t be something you have to slave over. And when it comes to getting healthier a few good habits go a long way. The key to success in 2016 is creating good habits one small step at a time. Anybody can do it. Here are five simple steps to successfully get you started:


4. Everyday activity habit: Set ten minuets to move on your own. No gym required. Come up with something you can do first thing when you wake, or during a lunch break, or when needed to reconnect physically. An example would be to create a sit-up challenge, or push-up challenge followed by a few stretches.

• Estate Attorneys • Advance Medical Directives • Pre-Marital Agreements • Acknowledgements • Lien Releases • Business Partnership • Titles Companies • Personal Statements • Long Term Care • Adoption • Afdavits • Jail • Deeds • Certication of Identication

5. Be accountable: When it does get hard, check in with your intentions. Remember you set these goals to make a better you.


1. Announce your plan: Make it loud and clear. Throw yourself a New Year’s Resolution party and celebrate the good habits you are starting. Invite those who will be your strongest advocates, because they will help you when it is difficult. 2. Choose an eating habit: Health comes from the inside out. Consider a “no white food diet” or “no sugar diet.” Start small. Don’t eliminate everything at once (i.e. eliminate one sugar source for a week and then slowly eliminate another and week by week have less sugar). 3. Choose a mindful exercise: Try a new activity that gets your mind and body working together, such as pilates or yoga. Again, start small, these are habits you’re developing for a lifetime. No need to feel like you need to go everyday, that just adds more stress and pressure. Commit to one class a week, adding more as your habits change.

At Align Pilates Center we strongly believe your health and quality of life is a worthwhile endeavor. Take one small step at a time and be consistent, in turn we believe it will be a happier and healthier year.

Connect with the Align Pilates team by calling (949) 481-3577, stop by the studio at 26850 Ortega Hwy., Suite K in San Juan Capistrano or visit JANUARY 2016




949.388.3525 • 32840 PCH, Suite B • Dana Point

949.388.3525 • Monarch Bay Plaza • Dana Point Same location, city changed the address.




Shelley Hancock • Licensed Esthetician Since 1988 • Spa Owner Since 1990



LED Photo Rejuvenation : (call for details)

: With the purchase of any facial treatment - - - - - - --·- - - - - J �- :_,�•• ·! , ., , . • (:

Treatment Specialties • MicroPhototherapy • 3-IN-1 Super Facial • Microcurrent/Electroporation • Microdermabrasion • Photo Rejuvenation • Oxygen Infusion • Facial Waxing

Real Transformation Center 34700 Pacific Coast Hwy. Ste. 204 Capistrano Beach (Surf Center Building)


Is bank justbank a bank Is your your business just a bank...or a partner?

We’re local...we’re committed...and we’re ready to connect South Orange County business with success. Experience the benefits of banking with a partner… not just a bank.

...connect with success.

(949) 732-4000

© 2016 Partners Bank of California



SOUTH COUNTY MAGAZINE PBoC - South County Magazine - Half Page Vert - Jan 2015 1.0.indd 1

12/15/2015 3:47:34 PM

Pets of the Month Cute little Yoshi is believed to be Flemish giant/Dutch mix. At only 6 months, Yoshi is still young and judging by the size of his ears and feet has quite a bit of growing left to do! He has a mellow, friendly personality and loves to be pet. In fact, he thinks lounging around with humans is great fun! Yoshi has great litter box habits and would make an awesome rabbit for a loving family ready to take on a big bunny.

Three month old little Carly is ready for a new home! Brought to the shelter as a tiny kitten, Carly and her siblings are now back from foster and hopeful about finding their forever homes before the holidays. With an adorable face like that, she would make a great addition to the family! Rescued from a life of daily abuse, 1 year old Abby isn’t letting her terrible past hold her back. Now, she is learning just how good life can be and is truly blossoming into a sweet pup. Help us to find Abby a loving home for the holidays!

Jane is a pretty kitty with an easy temperament and sweet disposition. With the holidays fast approaching, she is looking for a loving family to call her own. Jane gets along with most cats and would make a great lap cat. Won’t you give her a home to be thankful for this holiday season?

If you would like to know more about the animals listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617, or visit with them at 221 Avenida Fabricante, San Clemente.




Soka University Ranked in

National Liberal Arts Colleges

Top 50

As Soka University enters its 15th Anniversary year in 2016, it celebrates its ranking in the Top 50 National Liberal Arts Colleges and Top 10 West Coast by US News & World Report’s “Best Colleges 2016.”

Among National Liberal Arts Colleges SUA was ranked:

Top 50 Nationally and Top 10 on the West Coast among National Liberal Arts Colleges

#1 - Faculty resources #1 - Study Abroad (Tie) - 100% of SUA students study abroad for a semester in their junior year #1 - Foreign Student Factor - 39% International students #4 - Best Value #5 - Ethnic Diversity Soka University is a private, non-profit, four-year liberal arts college and graduate program. SUA offers an 8:1 student/faculty ratio and an average class size of 12. All undergraduate students participate in a semester of study abroad during their junior year which is included in the tuition. Full tuition scholarships are available to eligible admitted students whose annual earned family income is $60,000 or less. Soka also provides prorated awards for students who come from different income levels. The university is open to top students of all nationalities and beliefs and was founded upon the Buddhist principles of peace, human rights and the sanctity of life. About 60% of SUA’s students come from the US and 40% have come from more than 40 other countries.

For more information:

Subject of the Month: Insurance Marketplace Enrollment Deadlines Consumers under age 65, the Health Insurance Marketplace Open Enrollment period began 11/15 and ends 1/31/16. You must make changes or enroll in a plan either through Covered California or “Off Exchange” directly to the insurance company you choose by 1/15/15 for a February 1st 2016 effective date and 1/31/16 for a March 1st 2016 effective date. After January 31st you will be unable to change plans or enroll in coverage (unless you have a qualifying life event). My professional services are free to you. The insurance companies I’m contracted with compensate me when I help you. You can schedule a free consultation with me by calling 949-351-2443. JANUARY 2016




Preserving Your Stone's Natural Beauty Locally Owned and Operated STONE & GRANITE REPAIR Granite Countertop Polish and Sealing CONCRETE STAINING Marble/Natural Stone CLEAN & POLISH Flagstone & Pavers Tile and Grout Maintenance

Gluten Free Chicken Taco Bowls and Smashed Black Beans Kids will learn to create their own taco bowls and smash up some black beans!! As always, this hands on interactive class ends up with all of us indulging in our homemade treats! • Where: Savannah Steak and Chop House

10 + Years Experience Maintaining and/or Restoring Your Flooring to Like New Condition

• When: January 17th, 2015 11:00AM-1:00 Class size is limited-suggested ages are 7-12 Reserve now by calling Sandy at 949.500.3866 Price per child is $33

With proper care, we can extend the life of your flooring investment CALL tODAY (949) 637-6840 JANUARY 2016



(Based on 45 Sq. Ft.)




Beautiful Porcelain Tile


$ 99

20x20, 18x18, 12x12

American Traditional Hardwood Floors


$ 99

Per Sq. Ft

Includes Materials, and Installation

Includes Materials, and Installation

Not valid with any other offer. Exp. 09.30.15 (SCM) 02.28.16 (SCM)

Not valid with any other offer. Exp. 09.30.15 (SCM) 02.28.16 (SCM)


Network Print Solutions

JUST SOLD! Panoramic Ocean Views!


J ust Listed

411 Avenida Granada, 1C

Bridging the gap Between Company and Customer


by JaCkie grade


Represented Seller

JUST LISTED! Walk to Schools and Shopping, including Whole Foods

Showcasing spellbinding wrap around views of the Pacific from nearly every room, this magnificent residence is situated on a lush, flat parcel of land almost a full acre in size-a rare find anywhere in coastal Orange County, let alone in Three Arch Bay. This exquisite home promises not only a heightened level of seclusion, but the unique lifestyle for which Three Arch Bay is so well known, including a private beach and tennis courts.

3-4 Bedroom/ 3 Bath • $732,000 24215 Briones Dr., Laguna Niguel

s we all know, you never get a second chance to make a first impression: to leave a lasting impact on those whom you come in contact with. The simple feel of a quality business card, a visually appealing postcard design or a clean, clearly worded print advertisement are all ways to make yourself and your business stand out among your competitors. This is where Martin Stolzenberg and his team at Network Print Solutions come in.

C aring since 1975…. MARKETING | SERVICE | EXCEL LENCE

Sheri Normandin

udy Blossom Realtor



Luxury Property Specialist

949.612.5884 Fax: 949.313.6418


After earning a degree in fashion design and immigrating to New York from Johannes2015 BOYS WATER POLO burg South Africa, Martin started a small 16 page self clothing company. One of the problems he cover. Annual encountered was finding quality, cost effective marketing collateral for his fledgling business. According to Martin, “Quality printing in small quantities at reasonable prices was virtually impossible to find.” Five years later he sold his business in New York and headed for sunny Los Angeles. Understanding the need of small business owners to have access to quality printing at competitive pricing, Martin started his next business venture: Network Print Solutions. Today, over two decades later, Network Print Solutions has grown into a full service creative studio offering custom printing, graphic design and photography and mailing services. NPS works with businesses in all industries and of all sizes.

BRE# 01930110

In today’s ever changing corporate environment, a great first impression is really important to the growth and future health of a business. It is never too late update your logo or branding or rethink your marketing strategy in order to draw an inquisitive eye with an additional pop of color, choice of paper stock or change of layout. “Network Print Solutions has been responsible for the printing of all our collateral for several years – from business cards and letterhead to our media kits and presentation posters – and we couldn’t be happier with the quality of the product Martin and his team consistently produce and the level of personal attention and customer service we receive,” says Jody Robinson, editor Community Publications, LLC.

“From large, national health care companies to small local clothing boutiques, dentists, lawyers, realtors, local colleges and universities, we give the same time, attention, competitive pricing and level of customer service to each and every customer, “ says Martin. “ Our business has grown over the years by staying focused on servicing and making sure our customers are happy.” Color, paper texture, font, wording etc. all come into play when creating a company’s signature look. Martin and his team strive to meet their customer’s needs and exceed their expectations and vision of their finished product.


Tuesday November 17 @ 7pm:

Blinn College Finke Hall • Brenham Friday November 20 @ 7pm: Celebrations • on the Square in La Grange Sunday November 22 @ 4pm: Henkel Hall • Round Top

“ We listen to their needs, work within their budgets and advise them accordingly in order for them to receive the best finished product,” he says. L. Stephen Vaughan, D.D.S., M.D. Board-Certified Oral Maxillofacial & Implant Surgery

26700 Towne Centre Drive, Suite 230, Foothill Ranch, CA 92610 949.297.8880 • fax 949.297.8883

INTRODUCING: PATIENT PHONE NUMBER REFERRAL IS THE COURTESY OF: DATE: Please Evalulate: ❏ Wisdom Teeth ❏ Implant ❏ Minimally Invasive Extractions ❏ Soft Tissue Graft ❏ Infection / Incision, Drainage ❏ Biopsy / Pathology ❏ Assist Ortho: Exposure / Bracket / Implant Anchorage ❏ PLEASE CALL Referring Doctor Notes:

Håkan Rosengren, Clarinet Diana Cohen, Violin Bion Tsang, Cello Mikhail Korzhev, Piano

Musical Selections

Sergei Rachmaninoff Trio Elegiaque in G minor no. 1 Carl Maria von Weber Grand Duo Concertant Fryderyk Chopin Polonaise Brillante in C major, op. 3 Igor Stravinsky Suite from L’Histoire du Soldat






❏ Bone Graft ❏ Orthognathic Surgery ❏ Trauma

11/17 @ 7PM Brenham: Blinn College Finke Hall - Tues., 11/20 @ 7PM LaGrange: Celebrations on the Square - Fri., Round Top: Henkel Hall - Sun., 11/22 @ 4PM


Dear Patient: Your first visit will include a consultation with the doctor. In most cases, a consultation visit is required first and then a separate date for the procedure is scheduled. Please be prepared to discuss your medical history and details of any medication you are taking.

Tickets: $20 and to join our mailing list. See: to purchase tickets Or, call 979/966-8251 a matching grant program from The Concert Classics Series is funded through the Frank & Jean Raymond Foundation. FCMF is a 501(c)3 non-profit organization

Are you considering sedation, sleeping, or medical relaxation? If so, please see the instructions on the back of this form. Your appointment is time specially reserved for you. If you cannot keep your appointment, please call us at least 24 hours in advance.

10/28/15 4:23 PM CCS-NovemberPoster.indd 1

Table tent.

16 pt. Dull matte + Spot UV

Three part Carbonless forms.

Poster. 100# gloss cover + UV

To connect with Martin and the NPS team, call (949) 582-9770 or visit JANUARY 2016



non surgical

top of head hair system for women BEFORE

Book yourself online


Or call 949-300-3625



27741 Crown Valley Pkwy Suite 201 Studio 21 Mission Viejo Ca. 92691 45


more! This year’s massive 16-truck lineup is highlighted with appearances by Monster Jam powerhouses and World Finals Champions Grave Digger® driven by the legendary Dennis Anderson and the “fastest machine in the sport” MAX-D®, along with World Finals super-trucks El Toro Loco®, Captain’s Curse®.


WITH ANOTHER ROCKIN’ LINE-UP OF MONSTER TRUCK ACTION TO CRUSH THROUGH ANGEL STADIUM Three Action-Packed Events on Jan. 16, Jan. 30 & Feb. 13 --Featuring More Trucks Making Anaheim Debut Appearances Than Ever Before Including Four Brand New 2016 Season Monster Jam Trucks


oCal motor sports fans are getting revved up to experience a massive collection of the world’s best monster trucks battling it out in the ultimate event of high-octane speed, racing and destruction as Monster Jam® returns to Angel Stadium of Anaheim for another season of three dirt-flying, high-energy events between January 16 – February 13, 2016. Fans will witness an explosive event of demolition, speed and powerful stunts with the world’s best monster trucks and drivers whose skills provide an awesome spectacle of “rock-and-roar” that will bring fans to their feet cheering for

ANGEL STADIUM OF ANAHEIM is 2000 Gene Autry Way in Anaheim. To follow Monster Jam on Facebook, Twitter and Instagram log on to, &

• Birthday Parties • Team Parties • Groups & Private Events • Cosmic Nights (Fri & Sat)


• laguna hills • IBUENA PARK • REDLANDS


50 Off any Party Package

Laguna Hills (949) 305-9788 • Buena Park (844) 550-5867 Redlands (909) 335-7275 •

Laguna Hills (949) 305-9788 • Buena Park (844) 550-5867 Redlands (909) 335-7275 •



Must present coupon at check-in on event date. May not be combined with any other discount offers, including Toddler Time parties. Discount may not be used on holidays. No cash value. May not be sold or reproduced. Event must be booked by 03/15/16 . Advance reservation required - one week minimum notice is suggested. A $100 nonrefundable deposit due at the time of reservation. All participatory guests do require a liability waiver. Prices & hours subject to change without notice. Coupon Code: SoCounty1215





36 Hours in Toronto Canada’s most culturally diverse city delivers as a family-friendly destination By Jody Robinson

For the first few years of our little ones’ lives, my husband and I avoided long-distance trips, opting instead for shorter jaunts and weekend excursions to (relatively) close-to-home destinations. Now that the kids are older, they are more “seasoned” travelers who are pretty well behaved on planes, on trains and in automobiles. So earlier this year, we thought we’d stretch our travel horizons with a trip into Toronto, Canada.


oronto is a high-energy, vibrant city abuzz with activity - home to some of the world's finest restaurants, happening bars, clubs and eclectic festivals - along with an abundance of attractions and recreation that are not only accommodating for the younger set, but in some cases are specifically designed with kids in mind. In fact, there are so many family-friendly options to consider that the challenge isn’t in finding “what to do,” but rather in narrowing your choices.

Having experienced it firsthand, I believe that bar none, the best way to get the lay of the land and see the sights (both the standard tourist fare and the more eclectic "locals only" hangouts

Urban Expeditions Founder - and Tour Guide Extraordinaire - Peter Odle

and hideaways) is by coordinating a small, private city tour with Urban Expeditions ( This innovative tour company offers four seasonal tours designed to "help travelers get their bearings while experiencing the unique elements of the city: the pedestrian, the arts, the cultural JANUARY 2016



est collection of Victorian-era architecture in North America. From the Distillery district, it's a casual walk west toward St. Lawrence Market, site of Toronto's first official farmers market and municipal government - the block was destroyed in the first Great Fire of Toronto.


When we were looking for the ideal hotel accommodation for our family of four, we hoped to find a property that was within easy walking distance to kid-friendly dining and entertainment and provided an amenity-rich retreat spacious enough for the adults to relax and the kids to enjoy downtime in their own space. The iconic Chelsea Toronto ( more than delivered on every count.

and the green. Each four-hour adventure always includes transportation, refreshments and a knowledgeable guide. I'm sure any of their guides are great, but if he's available, ask for Founder and CEO Peter Odle - we left our entire itinerary in his capable hands and ended up on a particularly animated and knowledgable excursion - experiencing sides of the city we are certainly we would never have seen otherwise. More than a traditional tour company, Peter and his team pride themselves on being in the "business of storytelling" and helping business and leisure travelers "build an authentic local relationship with the city." What that meant for our family was to view the city from a local's perspective and learn a bit about its history, geography, art and food. And because each adventure is set up for a small groups of six or less, it truly is a personalized way to bring the city to life - we learned more in our time with Peter than any guidebook or self-guided trek could reveal. Our day began with a leisurely stroll through a lush, expansive forested park situated right in the center of the urban landscape. Stops included wandering the cobbled streets of the Distillery District where our family learned that Toronto is a city built on "bricks, pork and booze" (a oft-repeated fun fact that our kids delight in sharing each time we've shared details of our visit). The revitalized 13-acre plot is rumored to contain the largChelsea Hotel, Toronto

As Canada's largest hotel with 1,590 guest rooms, the Chelsea Hotel, Toronto, is centrally located in the heart of downtown and just steps from the city's best shopping districts, world-class theatres, vibrant nightlife and exciting attractions. A full-service urban resort, the Chelsea Hotel has room types to suit everyone and the hotel offers four restaurants and lounges, separate adult and family recreation areas and pools – including the "Corkscrew" - downtown Toronto's only indoor waterslide, where our kids expended excess energy and had an absolute ball for the better part of each afternoon. As a premier family destination, the hotel offers a full range of services including the Family Fun Zone with Camp Chelsea, Kid Centre, Club 33 Teen Lounge and free WiFi hotelwide. The hotel's Market Garden restaurant offers all-day dining and it's breakfast buffet was the perfect start to each day - fresh local ingredients are all part of the menu planning and each day a different themed buffet celebrates the foods from around the world.

A Pirate's Life

Our kids are still young enough to be mesmerized by fairytales so the "Pirate's Life" interactive family theatre and pirate boat cruise adventure ( on nearby Centre Island was a particular treat. They joined the company's "scurvy crew" - rummaging through a collection of pirate attire - and having their faces painted to emerge as authentic, albeit pint-sized marauders of the high seas set to board a 45-foot pirate ship called the "Island Rogue" in pursuit of adventure and perhaps sunken treasure. Once aboard and cruising around the islands, the kids discovered the mystery of Treasure Island, encountered friend and foe, fired water cannons and hauled up loot. Arrgh! Departures daily May to October. JANUARY 2016



January Events Guide: Dining & Entertainment JANUARY 1

New Year’s Day Brunch 10 am-2 pm. The Ritz-Carlton, Laguna Niguel. $80 per person, $40 for children.


Fiesta Association Hairiest Man Contest One of the wackiest contests the Fiesta Association holds. You must come to the sign-ups with a “Smooth Puss” (clean shaven) and ready to be photographed for the “Most Wanted” poster. You then have 8 weeks to grow a beard or moustache that will be judged at the Fiesta Grande March 19th beginning at 6:30 pm. Existing beards and moustaches are also welcome. There is a $5 entry fee which goes to support the Swallow’s Day Parade. Swallows Inn Ortega Hwy & Camino Capistrano San Juan Capistrano. 2pm.


Happy Hour at Bar Top- Casanova Ristorante. 33585 Del Obispo 3:30-pm. (Nightly)


“Spirit in the Sky” Featuring Fine Art Photographer Jana Cruder December 28, 2015 - January 28, 2016 JoAnne Artman Gallery. 326 N. Coast Hwy, Laguna Beach, CA 92651. From: 11:00 AM to 5:00 PM (Recurring daily)


Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).


San Juan Capistrano Farmers Market Each Wednesday, residents and visitors can enjoy purchasing fresh flowers, produce, and specialty foods at the San Juan Capistrano Farmers’ Market. The market features up to 30 vendors and is held at Yorba Street and Camino Capistrano right in the heart of downtown San Juan Capistrano. 3-7pm


First Thursdays Art Walk Laguna Beach The art season in Laguna Beach flourishes year round with First Thursdays Art Walk. This educational monthly art event, held on the first Thursday of every month from 6 – 9pm, celebrates the diverse cultural art scene of Laguna Beach and is free to the public. PCH Laguna Beach.


Happy Hour Half off appetizers and wine at Brio Tuscany Grill . 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.


Open Mic Nite Brio Tuscany Grill 24050 Camino Del Avion Dana Point.


Casa Wellness Wednesdays Casa Yoga Casa Romantica Cultural Center and Gardens, 415 Avenida Granada, San Clemente. Tickets $5 general admission.



Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.


Dana Point Farmers Market Each Saturday, California farmers bring fresh produce to sell at the Dana Point Farmers Market from 9:00am to 1:00pm. The Dana Point Farmers Market is located in La Plaza Park on Pacific Coast Highway near the Clock Tower. The first Saturday of each month features a Craft Fair that runs until 3:00pm.  


Lin Plays Mozart Renée and Henry Segerstrom JANUARY 2016

Concert Hall, 615 Town Center Dr, Costa Mesa. Mozart’s Violin Concerto No. 4, the “Haffner” Symphony and more. Tickets from $25. 3pm.


Ladies Night at Savannah Chop House. Free craft cocktail or glass of wine (with food purchase) All night. 32441 Golden Lantern Laguna Niguel.


Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.


Wine Tasting- Frisby Cellars OC Urban Winery & Tasting Room Frisby Cellars Winery and Tasting Room. 20331 Lake Forest Dr. C-3, Lake Forest. 12-5PM $15 Tasting Fee (Every Sunday, Saturday)



San Clemente Farmers Market Bundles of flowers, fresh produce and much more every Sunday on Avenida Del Mar. Rain or shine. 9 a.m.–1 p.m.


Happy Hour at Bar Top- Casanova Ristorante. 33585 Del Obispo 3:30-pm. (Nightly)


Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).


Wine Wednesdays 50% Off Bottles of Wine at Tannins Restaurant & Wine Bar. 27211 Ortega Hwy, San Juan Capistrano. 6-9pm.


Ladies Night at Savannah Chop House. Free craft cocktail or glass of wine (with food purchase) All night. 32441 Golden Lantern Laguna Niguel.


Casa Comedy—Upright Citizens Brigade. Casa Romantica Cultural Center and Gardens, 415 Avenida

JANUARY EVENTS Granada, San Clemente. LA-based improv comedy troupe. Tickets $25 general admission.


Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.


Laguna Niguel/ Aliso Viejo Farmers Market Local honey, lots of fruit, and a vast array of Asian and Western greens are among the draws. Many prepared foods, but no crafts and/or other non-food items. 9am-1pm. 27068 La Paz Road, Aliso Viejo.


Happy Hour at Brio Tuscany Grill Half Price Appetizers and Wine. 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.


Open Mic Nite Brio Tuscany Grill 24050 Camino Del Avion Dana Point.


Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce and regional artisans are featured. Noon-6 p.m. Capo Beach Church, 25975 Domingo Ave.


Casa Classic Ramon Negron Baroque String Ensemble. Casa Romantica Cultural Center and Gardens, 415 Avenida Granada, San Clemente. Tickets $25 general admission.


Late Night Happy Hour $6 Small bites and $5 cocktail specials at Savannah Chop House. 32441 Golden Lantern LN. 8:30pm-close.

Some people have an acute fear of beards which is called pogonophobia. However, some people feel the reason Abraham Lincoln won his bid for the presidency was because he grew a beard to make him seem friendlier. Well I don’t know how you feel about beards, but I’m sure you’ll be amused and delighted by the January episode of So-Cal Safari as we take you to the beard and moustache competition in Irvine, California. We bring you everything from bodacious handlebars to splendiferous mutton chops and everything in between. So check out So-Cal Safari Monday through Friday at 10 PM and twice on Saturdays at 11 AM and 9:30 PM on Cox channel 3.


Concert Series at The Cliff Restaurant 577 South Coast Hwy, Laguna Beach. 7-10pm. Free


San Clemente Farmers Market Bundles of flowers, fresh produce and much more every Sunday on Avenida Del Mar. Rain or shine. 9 a.m.–1 p.m.

Event Submission: JANUARY 2016



transportation between the convention center and marina.

L.A. Boat Show


he 2016 Progressive Insurance Los Angeles Boat Show , February 25-28, at the Los Angeles Convention Center and Burton W. Chace Park in Marina del Rey.  The fourday event showcases hundreds of vessels from entry-level family cruisers to million dollar yachts, plus the latest in boating, outdoors, and marine accessories. Features also include a high-energy kids’ zone, educational seminars from industry experts, on-the-water boating lessons and maritime fun for all-ages.  

2016 Los Angeles Boat Show highlights: •

HUNDREDS OF BOATS FOR SALE – Get up close and personal with a variety of watercraft including pontoons, wakesport boats, personal watercraft, inflatables, sailboats, catamarans, cruisers, yachts and much more – plus, it’s easy to climb aboard with complimentary

SAILFEST AT MARINA DEL REY – It’s a sailor’s delight with dozens of sailboats, gear and accessories to shop, plus sailing seminars, on-water lessons from top instructors, and a sailing simulator to get those feet wet before hitting the water.

*NEW* FLOAT-IN THEATER – Enjoy the boating lifestyle without even leaving the dock. Just like the drive-in theater you remember from the 50’s and 60’s – only better!  Grab a seat and enjoy the sights and sounds of the water and boating lifestyle – all while sitting in a boat. 

KIDS’ ZONE – Keep the kiddos busy with toy boat building, balloon artists, and fun surprises!

BOAT SMART - From Discover Boating Hands-On Skills Training where attendees get on the water to learn the ropes from USCG-certified captains, to Fred’s Shed Interactive Learning Center for the DIY boater and dozens of other seminars for all ages and levels of experience – everyone can expand their nautical know-how and prepare for fun and safety on the water.

For more information - 





2010 Business of the Ye

32082 Camino Capistrano San Juan Capistrano


Contemporary Italian Cuisine

2013 Best International Eating Place 2013 Best Taco, Best Salsa Closed Monday and Wednesday

Check Out Our FACEBOOK Page

Ask Us About Our TACO CART! 2011 Mayor’s Award Business Leader of the Year


50% OFF

Full Premium Bar Italian & California Wines

Let Ricardo’s Place Cater Your Special Event


2012 PISA Award For Outstanding Service To Children & Youth

Let Us Do the Cooking For You Holiday Catering & Takeout


Not valid with any other offers or promotions.


Now Accepting Reservations for Valentine’s Day!

949.443.1476 24050 Camino Del Avion • Dana Point SOUTH COUNTY MAGAZINE

Discovering New Works! By Beverly Blake and Tom ScoTT

New works are the lifeblood of all forms of entertainment. The excitement of reading a new book by a favorite author is exceeded only by discovering a great author whose work has been yet unknown.


he same is true in theatre and film. Most of us are quite familiar with the tried and true playwrights...Shakespeare, Neil Simon, Arthur Miller...and yet at one time their work was unknown.

Playwriting festivals create a unique opportunity for new playwrights to show off their talent. Ten minute playwriting festivals are a special genre. They give the playwright a chance to create a full play including a beginning, a middle, character development and an ending with a twist that’s performed in ten minutes.

garnered from submissions all over the English speaking world. In addition to the seven produced plays the audience for each performance is treated to a reader’s theatre production of an honorable mention play. This procedure lets Camino Real Playhouse honor 14 new playwrights each year. The fun part is that the audience votes for their favorites. The winners are announced at the final performance and the top three playwrights are awarded a monetary prize. For the audience this is an exciting opportunity to see new works at their freshest. You will be seeing works from established and new playwrights for an interesting theatrical mix.

ShowOff! at Camino Real Playhouse is a juried presentation of seven ten-minute plays

2015 - 2016 SEASON

ShowOff! opens on January 15th for a two weekend run.


The Peking Acrobats 30th Anniversary North American Tour & Year of the Monkey Celebration

JAN 17

Sundays at Soka with Pacific Symphony | Benjamin Smolen & Grace Browning The all Mozart program features Mozart’s Concerto for Flute and Harp and Symphony No. 40

JAN 22

Don Menza Quartet Formerly of Johnny Carson’s Tonight Show Band, Menza has a dynamic sound and style

JAN 27

St. Louis Symphony | David Robertson, Musical Director Seven-time Grammy-winning orchestra. Program includes John Adams: Saxophone Concerto (2013) Mahler: Symphony No. 5

1 University Drive Aliso Viejo, CA 92656 949.480.4278 | JANUARY 2016



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Home Financial Solutions

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