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MAY 2016


An Estate Planning Q&A with Martin J. Lombrano AIF速, LPL Financial Advisor.


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 MAY 2016




May 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 Cara Fraser Stephanie Frisch Nicole Howard Donald A. Hunsberger Ann Laurence Martin J. Lombrano Tom Scott C. Lawrence “Larry” Thomas Cover Photography Melisa Chandler, Chandler 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

MAY 2016





Rancho Weight Loss 18 Schatzle for Superior Court Bringing Lady Justice Back to OC 20 The Invisible Leader: What the new trustee should do 22 The Orange Catholic Foundation Offers an Opportunity to Leave a Lasting Legacy 24 KS Capital Real Estate Development and Private Money Lender 26


An Estate Planning Q & A with Martin J. Lombrano, AIF®, LPL Financial Advisor

Spot Free Windows 27

Victoria Vannini, Howard Jones Salon 10

Say No to a Six Pack 30

7 Reasons Why Informed Investors Choose Fiduciaries 15

Catherine S. Wachtel: CUSD 2016 “Teacher of the Year” John Malcom Elementary School 32

All Aboard! Set Sail for Retirement at the San Clemente Villas by the Sea 16

Backstreet Home Decor: Accents and accessories to make your house a home 42

MAY 2016

Turning 65? Read this ... 28




"Whatever your hair needs, I desire and appreciate the opportunity to make your hair dreams come true.”

Some people are born great; some people create their own greatness. For Victoria Vannini, creating with hair and giving her clients a style that reflects their personality and ‘true self ’ is more than just a “cut and color.”

“It begins with the consultation,” says Victoria. “I want to know about your lifestyle and career. [About] the hair products and tools you use. This is essential in evaluating the condition and texture of your hair and helps us to come to a place that is realistic - at the beginning and where we want to go for the future.” Education is an important element to Victoria’s career. After graduating from cosmetology school, Victoria continued at the Vidal Sassoon Academy in Los Angeles. While apprenticing at the Carlton Hair Salon at Crystal Court for one year, she honed her skills with creative color and hair cutting. From there, she went on to be an educator for Paul Mitchell. She currently takes classes at the Unite Academy in Carlsbad. “I want to stay current with color trends, foil placement, CONTACT new haircutting techniques VICTORIA VANNINI and strategies,” says Victoria, who sees her education as a hair stylist as ongoing. “The inHoward Jones Salon dustry is currently on the cusp 32545 Golden Lantern of using ammonia-free color. I Dana Point, CA want to give my clients the newest and best products that are on the market that will keep their hair in BEAUTIFUL condition. Schwartzkopf's new color line 'Essensity' will do just that with 100% coverage without ammonia, odor, preservatives or alcohol! Also, all my highlights are done WITHOUT bleach!! Using Scrupples oil-based highlighing system ensures the quality of your hair stays intact."

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MAY 2016



Victoria is fabulous!! I moved to Orange County 1O years ago forcing me to find a new hair stylist, and had several horrible experiences. I decided my mission was to look at the hair style of each person I encountered. I found that perfect hairstyle and I asked her who did her hair and she gave me Victoria's name and salon. Now, I have people ask ME all the time who does my hair, and have even had people ask to take my picture so they could show their out of town stylist! She truly cares about her clients and puts all her efforts and skill to work to create the perfect style. I always look forward to seeing Vic and leaving the salon with a huge smile on my face and feeling great!


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Take Charge of Your Legacy An Estate Planning Q & A with Martin J. Lombrano, AIF®, LPL Financial Advisor Pence Wealth Management By Jody Robinson Photography by Lana Farfan, Caught in the Moment Photography

I suspect I am not unlike most other people in that I prefer to do business with individuals who are not only highly qualified with a proven track record in their respective area of expertise, but also operate with integrity, personal attention and a straightforward “say what you mean, and mean what you say” approach.


hese characteristics are all the more important when you are looking to a seasoned professional to help handle the finances of an estate and navigate the myriad of issues facing a surviving spouse upon the death

of their loved one. That’s why it’s so refreshing to come across a financial advisor like Martin J. Lombrano who believes that success is all about being “others centered” – doing what is best for others, “having a strong moral

 Martin J. Lombrano, AIF®, LPL Financial Advisor MAY 2016



compass, integrity, follow through, taking responsibility when something doesn’t go as planned, being clear with expectations, valuing relationships and taking the time to really know his clients and thoroughly understand their unique financial goals. This philosophy has served Martin well in the 23 years since he initially became a financial advisor. Armed with a degree in Business Administration with a concentration on Finance, Martin has completed the Certified Financial Planner (CFP) curriculum at the University of California, Irvine (UCI), holds the Accredited Investment Fiduciary (AIF) designation and attends annual state and federal continuing education classes to keep all of his securities and insurance licenses in good standing. In the following interview, we asked Martin to address some of the frequently asked questions facing a surviving spouse or family member upon the death of their loved one.  Question: Upon the passing of a loved one, whom do I need to notify? Answer: Every situation is unique, however notifying the following agencies and individuals is a key step after a loved one has passed and each is very important: Social Security Administration, deceased person’s employer or former employers, insurance companies, credit bureaus, credit card companies, mortgage companies, post office, utility providers, creditors.  Question: Do I have to file anything with the court? Answer: After you have contacted the loved one’s attorney (if there is one) or at least spoken with an attorney or advisor experienced in estate or death administration, you should know which documents will be needed to be provided to the court if it is necessary for the decedent’s estate to go through probate court. Probate is a legal

The Trust in particular is a detailed legal document that specifies every detail of the deceased loved one’s estate and how it should be handled, who should be in charge of handling the Trust, and how and to whom the Trust assets should be distributed. MAY 2016


Probate isn’t always necessary. If the deceased person owned assets in joint tenancy with someone else, or as community property with his or her spouse, or held their property in a Living Trust, those assets won’t need to go through probate.

document and the legal process of administering the estate of a deceased person, resolving all claims and distributing the deceased person’s property under a will.  Question: Do I have to find the will right away? Answer: Typically one of the first documents to find is the Will or Trust. The Trust in particular is a detailed legal document that specifies every detail of the deceased loved one’s estate and how it should be handled, who should be in charge of handling the Trust, and how and to whom the Trust assets should be distributed.  Question: What should I do with the Will or Trust when I find it? Answer: Ideally, you will want to take the Will or Trust to the attorney who originally drew up the documents. But if that isn’t possible, then finding an attorney or advisor that specializes in estate administration is the best avenue to pursue. You will want a professional on your side that can help make this process as cost effective and timely as possible.  Question: Do I have to probate the Will? How long do I have to probate the Will? Answer: Probate isn’t always necessary. If the deceased person owned assets in joint tenancy with someone else, or as community property with his or her spouse, or held their property in a Living Trust, those assets won’t need to go through probate. The same is true for assets held in a Revocable Living Trust and accounts for which a payableon-death beneficiary has been named. If probate is necessary, then it must be initiated by the executor of the Will. It’s typically a time consuming process which can last 12-24 months or more and can be very costly in executor’s, court’s and attorney’s fees. In general, it is best to plan ahead and avoid probate.


 Question: What important documents will the attorney want to see? Answer: In general, you, your attorney or advisor will need: death certificates, Wills and Trusts, insurance policies, credit card statements, investment accounts, bank accounts, mortgage statements, last two years of tax returns, marriage and birth certificates, an up to date credit report of the deceased and family member’s contact information.  Question: What if my loved one did not have a will? What do I do to settle his/her estate? Answer: You can settle the loved one’s estate without having to go to probate court depending on the total value of their estate, and their ownership and beneficiary designations. If a probate is needed and there is a Will, then the named executor will typically initiate the probate court proceedings.  Question: How long does it take to settle an estate? Answer: With a Trust, the typical estate can often be settled within a few months. With a Will, it generally takes 12-24 months, and often longer. Typically in California, if you own a home, are married, or have children, then you and your loved ones can benefit from having a Revocable Living Trust. Some of the benefits of a Trust are the avoidance of probate, your estate remains non-public information, and a Trust may substantially reduce costs and time to settle the estate.  Question: My loved one has named me the beneficiary of his/her life insurance policy. How do I go about collecting the life insurance proceeds? Answer: One of the most daunting tasks of a loved one dying is having to find all their accounts and financial documents and contact each company to see what they will require in order to pay a claim and/or transfer ownership of accounts to the named beneficiary or successor trustee. Having an experienced advisor can help make this entire process simpler as he can reach out on your behalf to the financial institutions. This can save you time and aggravation in a time of mourning.

Having an experienced advisor can help make this entire process simpler as he can reach out on your behalf to the financial institutions. MAY 2016


If you have an estate plan in place, it should be reviewed every 3 years or with every major life event like birth, divorce, death, etc…

 Question: What taxes might be due after someone dies? Answer: The loved one’s estate may need to pay off creditors, pay back taxes to the state or Federal government and in some cases may need to pay death taxes if the estate assets were significantly valued.  Question: What actions can a person take now to make this entire process simpler and easier for those family or friends who will be guiding the estate administration? Answer: Either on your own or with an advisor, begin by making a balance sheet, a list of all your assets (what you own) and all your liabilities (whatyou owe). Be as detailed as possible with names, accounts numbers, phone numbers etc… for each entry. Make sure to review your beneficiaries on each account or asset you own including bank, retirement, pension, investment, insurance policies, and real estate to name a few. Most of all, have an up to date estate plan to help make this process simpler. If you have an estate plan in place, it should be reviewed every 3 years or with every major life event like birth, divorce, death, etc… This information is not intended to be a substitute for specific individualized tax or legal advice. We suggest that you discuss your specific situation with a qualified tax or legal advisor. Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNERTM (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. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 660- 8777 or email CA Insurance License # 0828215. Securities offered through LPL Financial, Member FINRA/SIPC.


7 REASONS WHY INFORMED INVESTORS CHOOSE FIDUCIARIES By Pence Wealth Management and Martin J. Lombrano, AIF®, LPL Financial Advisor




Working as your fiduciary, your advisor is obligated not to engage in any self-dealing or other conflicts of interest. In fulfilling his or her obligations and duties to you, your fiduciary should perform required due diligence prior to making recommendations. Thus, acting in a proactive manner on your behalf.




Your fiduciary works for you, educating you on the different aspects of your financial plan and ensuring your understanding of how all the pieces fit together to create a sound plan. Your fiduciary promotes additional confidence in your financial future. By keeping you informed of new recommendations, the impact of those recommendations, as well as disclosing all important information associated with those recommendations, a fiduciary helps remove unwanted surprises.




In addition, prudent fiduciaries will often leverage subject matter experts by tapping an entire industry of knowledge, not just the offerings of one company. This seeks to ensure you receive advice and recommendations.




The financial services industry is plagued with highcommission products, company incentives and production contests. Your fiduciary is obligated to provide honest advice, based solely on your situation, and not to be swayed by outside pressures. MAY 2016


Even the most ethical advisors are faced with the dilemma of balancing recommendations that meet your needs, while also being paid appropriately. If your advisor works for another company, he or she may not have the option of recommending the most appropriate product for your situation. Instead, advisors may only be able to offer the products of the company they work for.






Keeping you informed, as well as disclosing all important information associated with recommendations, helps minimize unwanted surprises, and helps to create the foundation for a healthy collaborative relationship.


However, imparting confidence is not enough to establish the fiduciary role. Only when that confidence is accepted by the client, is the fiduciary relationship established, causing dependence by the client and influence by the advisor. Knowing that you have a fiduciary working for you should help provide confidence.




Trust, once earned, is one of the highest honor any advisor can receive from a client. One of an advisor’s biggest challenges is telling his or her client what they need to hear... especially when the client does not want to hear it. Your fiduciary is committed to a code of ethics and has an obligation to give you straight answers, providing a strong foundation upon which to build trust. Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNERTM (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. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 660- 8777 or email CA Insurance License # 0828215. Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.


All Aboard!

Set Sail for Retirement at the San Clemente Villas by the Sea By Jody Robinson

Cover spread photography by Melisa Chandler, Chandler Photography

Hospitality has its origins in antiquity, with the first records of guest baths in Greek villages in early biblical times. Over the last two thousand years, the simple act of offering care for others has grown into a massive industry: from the first French and English rural inns and stables for travelers, to the splendor of the Plaza Hotel in New York.


aring for others can be complicated, or it can be simple: and the San Clemente Villas are looking to keep it simple.

Aileen Brazeau and her husband Paul own and operate the Villas, and they’d like to think that hospitality is simply about listening. Listening to its residents, namely. “If we are successful at providing superior senior care and lodging, it is for that reason - we listen closely to what the residents tell us.” According to the U.S. Census Bureau, seniors will represent 20 percent of the U.S. population by 2030. As demand for senior housing rises, the Villas are ready to meet it with their signature recipe for success: hospitality.

Villas’ residents enjoy a level of service and care often missing from senior communities. Care plans are specifically tailored to residents’ daily individual needs, and with 24-hour assistance every day of the year, the center fosters as much independence as possible while still maintaining the highest level of comprehensive care. The staff, including an Assisted Living Care manager, Licensed Nurse, and Executive Director are involved on a daily basis with the well-being of each resident, ensuring that the safety, health and comfort of each resident comes first. “The first thing that Paul, I, and our staff focused upon when we opened our doors was that each resident has a story to tell, as well as unique needs. We are interested in their stories, and we care about their needs.”

Co-owners Paul and Aileen Brazeau MAY 2016



Walking into the “grand hall” of The Villas is like walking onto lido deck of a cruise ship - minus the cruise director and napkins folded to look like chimpanzees. Clearly, Paul and his wife know exactly what they’re doing, and are excelling at it, as there are smiling seniors everywhere you look: chatting amongst themselves, or with visiting relatives or staff. If it isn’t Happy Hour on Tuesday or Thursday, there is bound to be a Luau, or Karaoke Birthday Party. And if that wasn’t enough to keep you entertained, The Villas host an annual “Villas’ Got Talent” show. Taking a peek into the kitchens is an experience in itself, where a team of chefs prepare several entrees, side dishes and desserts at breakfast, lunch and dinner. “Our residents look forward to every meal”, Aileen states, noting that it is not unusual to see a home baked pie or cobbler on the menu, following a fresh, home-style lunch or dinner. “Casual “cafe-style dining is available, as is formal. Residents can even reserve a private dining room for family visits”. But balance and moderation are keys to offering a tailored care experience, and so the Villas also boast an exercise gym and beauty salon, a library, and a game area. Nightly movies are one of the most popular venues for the residents, showing on the “big screen” in a roomy theater setting.

Like any five star hotel, the Villas rely on the services that an on-site concierge offers. Through telephone and personal interactions, the Concierge provides exemplary customer service: allowing the residents to focus on the meaningful moments they have throughout their days, instead of stressing about what the day’s schedule looks like, worry about how to pick up a prescription off site, or how to challenge themselves to keep mind and body active. The “cruise ship that never sails” couldn’t be more accurate a way to describe the Villas. As cruise directors, Paul and Aileen operate the fully-staffed community. She, her Executive Director, Karen Milroy, along with longtime Marketing Director, Diana Sanchez, work magic in the Public Relations, Networking and Marketing arena, often hosting events at The Villas that are open to local businesses and the community. On-site presence is what sets this community apart, and what keeps the ship afloat. Most senior residence communities operate through a parent corporation, run by hired representatives. Taking hospitality to the next level, Paul and Aileen have made it a point to keep their offices onsite at The Villas, and can be seen regularly participating in activities during the week. If you see them on-site, say hello, ask a question, and expect to be hosted like you are a part of the San Clemente Villas family.

To learn more about The Villas and its history, founding, beginnings or review a list of available services, be sure to visit the web site at MAY 2016



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magine 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.

“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 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.

Dr. Richard Mantell and his wife Jennifer. “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.”

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Schatzle for Superior Court

Bringing Lady Justice back to Orange County In ancient poetry, a surviving image of justice was described “holding level the balance.” Later named Iustitia, the image of Lady Justice has maintained through the age, appearing in courtrooms, palaces, and government centers worldwide. A physical allegory for the law, the lady is none to be reckoned with: her double edged sword as formidable as any.


nd yet, what is perhaps most striking about this ages old symbol is her blindfold. Any fool can muscle a scale to balance, if he is tilted himself - but the Lady holds the recipe for sea change in her blinded gaze: a ruthless integrity of purpose to mete justice without the sway of fear or favor. For Senior Deputy District Attorney Karen Schatzle, that ruthless integrity of purpose is what she seeks to bring to the Superior Court in Orange County. Prior to obtaining work in prosecution, Karen worked full time for the Orange County Probation Department. As a Deputy Probation Officer, she handled a myriad of tasks, ranging from investigating both juvenile and adult offences, supervising violent crimes offenders, and preparing guidelines for the Superior Court’s sentencing procedures. A force on the streets as well, Karen was post certified and trained to carry a weapon. Part of a coalition enforced with unifying efforts to reduce gang violence, she worked hand in hand with social services, law enforcement, probation officers and prosecutors: honing her awareness of the social issues taking shape in the streets of her city, and driving her decision to apply for law school. Clearly no stranger to hard work and dedication, Karen took the initiation to motherhood one step further than most, passing the BAR exam on her first attempt, while pregnant with her third child. During her longstanding tenure as a prosecutor, Karen dedicated the majority of her attentions towards violent crimes - trying over 86 cases, many of which resulted in multiple life sentences. Though one might guess at the fact, Schatzle notes that “she has never been, or am now, dissuaded by a difficult challenge.” But what is the cost of such dedication? Surely, this is why Lady Justice MAY 2016


is blindfolded. To remain separate from her decisions - if not to spare herself the torture of seeing chaos enacted daily in the streets of so many cities in Orange County. But to Schatzle, there is no worth without the struggle for true integrity: which, for her, “is not an external appearance but an inward reality that refers to singleness of heart and mind, the development of a blameless character by adhering to an exemplary moral code.” And her opponent? “It is a determination to maintain judicial independence that moved me to challenge Scott”, Karen notes, “I voluntarily supported him during the last election - yet it is opposed to my moral character to do so now.” Recently censured for multiple reasons, including having sex with his law students in the court’s chambers, Steiner is an incumbent, and former colleague of Schatzle’s. “My career in law enforcement began almost 30 years ago - I have dedicated most of my career to prosecuting child molesters, sex offenders, and career criminals. My integrity, and the integrity of the court is an asset that voters should be unwilling to sacrifice.” Will the scales tip in her favor with the vote for the Superior Court seat coming up on June 7? Perhaps they should: after all, I think Lady Justice would agree with Teddy Roosevelt when he noted that “nothing in the world is worth having or worth doing unless it means effort, pain, difficulty” - or Robert Brault: “what happens if I do nothing?” For more information, visit Paid for by Karen Schatzle for OC Superior Court Judge.



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The Invisible Leader: What the New Trustee Should Do By Donald A. Hunsberger

When Trustees finish their work distributing trust assets, they often utter the same comment about the problems they encountered managing a trust: “Nobody knows what to do as a trustee until the job is almost over. It would be nice to know before the job begins.”


he complete answer to this question calls for the template of a textbook. But Tina Fey, late of Saturday Night Live, unknowingly gave the simple answer about the trustee’s job when she described a leader: “In most cases being a good boss means hiring talented people and then getting out of their way.” The trustee’s job is to be the “Boss” who seeks out and supervises the experts who conduct the administration of the trust. This role involves finding and directing the most competent people available to manage the requirements found in the terms for the instrument known as a trust. For most trusts, the management team which the trustee will need includes an appraiser, an accountant, an attorney, and a financial advisor. John Aust, PhD., of CP Appraisers in Orange, who has taught Appraisal Classes at Santiago Canyon College for over twenty-five years, describes the trustee’s team as a “Support Group for the Trustee.” “The smarter the trustee,” Aust explains, “the more likely she is to start out as more of a recruiter than a manager.” Dr. Aust quotes Warren Buffet when he explains how a trustee approaches composing a management team: “The wise man does in the beginning what a fool does in the end.” Often, when parents who die have left a trust with one of their children as a successor trustee, that successor has never managed a trust before. “Finding a team of advisors is not a challenge,” Professor Aust explains, “but finding a team of competent advisors is a roll of the dice without some experienced help.” Dr. Aust recommends a simple checklist for the start-up trustee: In selecting an Accountant, be certain to retain a CPA who has experience with filing Estate Tax Returns, also known as Form 706. These are sometimes needed even for estates well below the taxable level known as the Exemption Equivalent, which in 2016 is $5,450,000.00. The Trust’s attorney should have experience with both Probate and Trust administration, since some estates will have assets both in and out of a trust, explains Dr. Aust. “If an asset is outside of the trust,” Aust notes, “the Attorney often needs to know how to steer that asset through Probate. “ MAY 2016


Appraisers need more than just a license or a degree in finance, explains the professor. “Anticipate that an appraiser is basically a professional witness to the value of the assets,” states Aust. “The trustee needs to work with someone whose numbers are not just professionally correct; they need to be defensible in court by someone who won’t be intimidated by that prospect.” Finally, the financial advisor should have both the personal professional financial experience with probate and trust administration and a strong financial organization to back up the advisor’s efforts. “The best advisor in the world still needs to have a strong back room to support the job of allocating assets after the original trustees have died,” advises Dr. Aust. Asked to give a final summary of the job of a trustee, Dr. Aust replied by quoting the Taoist philosopher Lao Tzu: “A leader is best when people barely know he exists, when his work is done, his aim fulfilled, they will say: we did it ourselves.” Tina Fey, Warren Buffet, and Lao Tzu all appear to agree with Dr. Aust about a trustee’s job: Start out in the beginning by finding the right people, be close to invisible, and let the experts do their work. 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


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MAY 2016


SOUTH COUNTY MAGAZINE 004-139-1.0 PBoC - South County Magazine - Half Page Vert - Feb 2016 1.0.indd 1

1/6/2016 4:35:23 PM


Since its first Wills and Trusts Week in the fall of 2011, the Orange Catholic Foundation (OCF) has had as one of its primary goals to encourage everyone to have an estate plan designed to provide for the needs of their families.


ach year in the spring and fall, the OCF works in collaboration with parishes and schools throughout the Roman Catholic Diocese of Orange to provide information sessions led by local Catholic estate planning attorneys and financial advisors to help you protect and provide for your loved ones, update or create your estate plan, and learn more about wills, trusts, estate taxes, probate expenses, guardianship of minor children, selection of personal representatives, and more. For convenience, the Foundation offers a series of morning and evening seminars that are scheduled at local parishes across the diocese. While learning how to effectively plan a legacy, attendees at these sessions receive answers to such questions as: • Who will make my healthcare decisions if I am no longer able to act on my own behalf? • Who will have the power to manage our finances if we are no longer able to manage our property or financial affairs? • What is the difference between a will and a trust? • What happens if I pass away without an updated estate plan? • What are the advantages of pre-planning for my funeral expenses? • How can we leave a legacy of faith? MAY 2016


• Who should we appoint as our trustees and successor trustees? • Who will be the guardian of my dependent children or child with special needs if something happens to me? The Orange Catholic Foundation warmly welcomes all who are interested in attending one of the upcoming sessions during the week of May 16 through 21. Times and locations for the spring Wills and Trusts Week are listed in their advertisement in this issue of Sorbet. Everyone who attends and completes a basic introductory form will receive a complimentary consultation with both an estate planning attorney and a financial planner within the next six months. The Orange Catholic Foundation is a 501(c)(3) charitable corporation and an autonomous pious foundation that exists to serve the Diocese of Orange, including its parishes, schools and overall diocesan mission. The OCF plans and conducts major diocesan fundraising programs including the Proud to be Catholic Pastoral Services Appeal (PSA), the For Christ Forever Capital Campaign, the Conference on Business & Ethics, the annual Wills and Trusts Weeks and other special fundraising events. The Foundation also manages endowments and various charitable funds and grants funds according to the donor’s intent.


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Spotlight On: KS Capital

REAL ESTATE DEVELOPMENT AND PRIVATE MONEY LENDER It has been a number of years since I attended high school economics. I won’t name how many, so don’t try to guess. Back then, even in an Advanced Placement class, I think I could categorize the number of topics I learned into about eight varieties: cost-benefit analysis, trade, exchange and interdependence, macroeconomics (as it pertained to business cycles and public debt), the benefits of trade and foreign markets, and some matters pertaining to personal finance. loans on development opportunities and other commercial real estate opportunities. Searching out real estate in prized markets such as Santa Monica and Newport Beach, KS Capital is looking to capture healthy pent-up demand from those “hungry for new housing in an otherwise old and dated coastal market." So what can a client of KS expect? “We do 100% of project work, making this a passive investment and process for our investors,” says Keene.


n the years post-high school, some delve deeper: econ majors or those looking to get into the real estate markets - those running into questions regarding their IRA, 401k, or others starting an investment portfolio. Some, like those taking advantage of a partnership with our friends at KS Capital Inc., are looking for entry into real estate as an alternative investment, specifically, investment in the development of single family homes in established coastal development markets like Santa Monica, West LA, Newport Beach and Corona Del Mar, and seeing more than just palm trees and sun tans.

KS Capital is a full service Real Estate Development company and Private Money Lender. With target loan offerings between $100K- $3MM, with 6 month- 3 year terms, it is no longer just the uber-rich looking to capitalize on real estate development opportunities. These are smart investments in established areas, with consistent, risk-adjusted returns. And, as more and more neighborhoods surrounding their target investments engage in large-scale development, KS Capital’s conservative Loan-to-Value ratios result in an even greater equity cushion for your investment- “Investors have the ability to self-select those trust deeds in which they would like to invest. As a result, investments in trust deeds provide investors with the opportunity to earn 8%- 12% fixed annualized returns, collateralized by a lien position on the subject property and a conservative loan-to-value cushion to help preserve the investor’s principal investment against market fluctuations," says Grant Keene, Vice President KS Capital.

In conjunction with first trust deed investments, KS Capital Inc. Offers equity partnerships in development opportunities, in which the principals at KS Capital handle all of the legwork in an equity partnership, and clients can expect a 50% of net project profits split - which equates to all acquisition costs, project building costs, carry costs, soft costs and debt service. The sponsor, or developer raises all capital required and splits profits 50/50 with no other fees or compensation. And, KS will prospect, analyze and acquire the lots - complete all design and entitlement, approve architectural designs, and process every step through city project managers. Tim Mickey from US News notes that such alternative investments in real estate can help to “smooth out the ride from these volatile markets and add a little potential income to allow you to continue to diversify.” Individuals who wish to partner with KS Capital can rest easy, knowing that they “work to generate strong returns, while striving to preserve the invested principal.” Looks like your investment horizon just got a little brighter.

Ten years in the making, the professionals at KS Capital have focused their energies on sponsoring the speculative development of mid-level luxury homes and placing private money

Connect with Grant Keene and the professionals at KS Capital by calling (949) 677-0668 or visiting MAY 2016



SPOT FREE WINDOWS By HeatHer evans Hey, you. Yes, you reading this. How’s about I place a bet with you right now? I’m willing to bet that not only are your windows crazy-dirty, but that you aren’t planning on cleaning them in the near future. How do I know that? Magic.


ell, not really magic. I know it because the folks at Spot Free Windows have been successfully cleaning thousands of customers’ windows throughout Orange County for the past 11 years. And no- I don’t mean the ol’ Windex treatment. They wash the windows (inside and outside), wash the screens, clean the tracks, and then rehang the screens. Personally, I once tried to clean my window tracks and even though I consider myself a neat freak, this task just about did me in. So I consider this aspect priceless.

they have come to expect. Plus, we offer a 7-day rain guarantee year round.” So what inspired them to start Spot Free windows? What makes them different from other window cleaning companies? “Well, we realized this niche was missing,” comments Scott. “After years of buying, renovating, and selling homes in South Orange County, we saw the need for higher-end professionals in the window cleaning industry. We decided to fill that need with a quality company that could consistently provide reliable service to residents and businesses in Orange County."

So what’s the secret behind husband and wife team Scott and Suzie Sells’ super successful business? “We know most of our customers by name and have built relationships with almost 3,000 South Orange County residents and businesses over the years,” says Scott. “From the beginning, we established a standard of consistency and quality. We personally guarantee all of our work. If something does need to be done better, we do it again until it is right. We want our customers to be happy and call us for many years to come.” “And it’s about reliability,” Suzie adds. “Our customers know that we will be there when we are scheduled and we will do the professional job that

Connect with Scott, Suzie and their team by calling (949) 248-4912 or visit

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Turning 65? Read this….. By Stephanie FriSch

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You won’t be automatically enrolled in Medicare Part B unless you took your Social Security at age 62. You are only enrolled in Part A when you turn 65 (and only enrolled in premium free Part A if you or your spouse paid into it for 40 quarters).


he reason this is the case now is because the age that someone gets fully vested into social security is increasing. It used to be age 65, so when someone applied for their Social Security benefits, Medicare would be notified that they were turning 65 and mail out a card with both Part A and B activated. If someone didn’t want Part B at that time (because of group coverage most likely) they’d sign the attachment refusing coverage.

What I find is happening now is that people expect their Medicare card to arrive with Part A & B activated automatically and both aren’t, their card arrives with only Part A activated. They may not look at it closely, they just tuck it away and when the time comes to enroll in a Medicare Advantage or Medicare Supplement plan, there is a “uh-oh” moment because they assumed they were all set to go and now they have to scramble to get to the Social Security office and get the Part B portion activated. The protocol now for Part B to be activated is either going online to to do that, or going in to the closest Social Security office. The earliest you can activate Part B is 3 months prior to your 65th birthday. You must have both Part A and Part B active in order to enroll in a Medicare Advantage or Medicare Supplemental plan. Part A covers Hospitalization, Skilled Nursing and Hospice to some degree and Part B covers 80% of Outpatient and all Physician services. There is a lot of financial exposure having only Original Medicare and nothing else to fill in the gaps. Medicare doesn’t cover outpatient prescription drug coverage either, you have to enroll in a plan offered by a private insurance company. If you’re curious to learn more about your options when you turn 65, please call to schedule a consultation. My services are always free.

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. MAY 2016


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Say No To The Six-Pack By Nicole Howard and cara Fraser

This isn’t about a six-pack of beer from the store, this is about saying no to six-pack abs. Today’s media has led us to believe that a strong, healthy, and in shape person must have a stomach like an old-fashion washboard, a.k.a. a six-pack.

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he idea of this being the poster child for strength, health and beauty is scary and misleading. And in most cases the images seen have been digitally enhanced to make the abdominals appear chiseled. To truly achieve this look is unrealistic to the average person, and is definitely not a marker of health.

Having a strong, stable core is definitely necessary to supporting the body, but it doesn’t have to be visible. The actual muscles of the six-pack are called the rectus abdominis, and are a small superficial fraction of all the muscles comprising the stomach and core. For the core to properly support the body it needs every muscle surrounding the spine to be equally balanced in strength and flexibility. Consequently, when the rectus muscles are overly defined it is a sure sign of muscle imbalance and week core. The training involved to achieve a six-pack is at the expense of overall core strength and leads to back and neck pain, rounded shoulders, bad posture, and pelvic misalignment. Perfectly defined abdominal muscles are usually the result of extreme leanness, not increased functionality and strength. A six-pack becomes visible at about 10 to 14 percent body fat for women, and 6 to 12 percent for men. Unless you are an Olympian or professional athlete, these percentages are very hard to reach and sustain. Body fat this low results in issues such as depression, eating disorders, infertility and an interrupted menstrual cycle in women. According to the American Council of Exercise, 17 to 24 percent body fat is a healthy range for men and women. So let the guilty feeling go for not having picture-perfect defined abs, and feel empowered to know strength and health lie in a balanced body. Choose a fitness program like Pilates and yoga that emphasizes a balance of mind, body and spirit and you may start to feel better…not just look better. Plus, you can still enjoy a beer here and there. Come in to Align Pilates and Yoga Center today to learn, feel and see the power of a plank. 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 MAY 2016



• 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

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Catherine S. Wachtel

CUSD 2016 “Teacher of the Year” John Malcom Elementary School By Jody Robinson

One of the perks of publishing South County Magazine is that I am provided a venue to share with our readership personal experiences with local business owners and professionals, the good works of not-for-profit organizations and in the case of this editorial feature, congratulations to Mrs. Catherine Wachtel in being named the 2016 Capistrano Unified School District (CUSD) “Teacher of the Year” at John Malcom Elementary School in Laguna Niguel.


hosen by their peers, a “Teacher of the Year” from each school in the district was honored at an inspirational event held on April 28th at SOKA University. “Mrs. Wachtel is an amazingly talented teacher,” says Principal Peggy Baerst, John Malcom Elementary School. “She inspires her scholars to love learning and to always be their personal best. Mrs. Wachtel is positive, encouraging, has very high expectations for her students and is a bundle of boundless energy! We love Mrs. Wachtel and are honored to have her represent our school as Malcom’s Teacher-of-the-Year!”

What I fInd most reWardIng about teachIng Is reachIng my scholars not only academIcally, but emotIonally. MAY 2016



“I am humbled and honored with this nomination and selection,” says Mrs. Wachtel. “I feel extremely blessed to be at a school where peers are friends. We collaborate a great deal (throughout the grade levels) to meet the unique needs of our scholars. It truly takes a village!” Full disclosure: I’m a mom of a second grade student in Mrs. Wachtel’s class and couldn’t be more thrilled at this opportunity to showcase such an exemplary instructor. Second to parents, among the most influential person in a child’s life is their teacher - particularly in their formative, elementary years.

Like all parents in the district, we learned who our daughter’s second grade teacher would be a few days prior to the start of the school year via an automated messaging system. I wasn’t familiar with Mrs. Wachtel at the time, but when I told my daughter who her teacher would be, she literally squealed in delight and jumped up and down. As we head toward summer vacation, I’ve enjoyed the opportunity to witness Mrs. Wachtel in action while volunteering in the classroom these past months and chat with other moms about the growth of each of our respective “scholars” and can unequivocally say that given what I know now, I would have squealed with delight and jumped up and down myself. Currently in her 28th year of teaching, Mrs. Wachtel began her career as an intern through UC Irvine with Capistrano Unified School District. She has taught second, third, and fourth grades as well as twice a second/ third combination class and has taught at Crown Valley Elementary School, George L. White Elementary School and John S. Malcom Elementary School. Mrs. Wachtel holds a Bachelor’s Degree from the University of California, Irvine and a Master’s Degree from the United States International University, as well as Gifted and Talented Certificate and Reading Instruction Certificate. A native of Huntington Beach, Mrs. Wachtel enjoys “traveling traveling to new places, going to concerts, hiking, reading biographies, and being around loved ones,” including her husband of 23 years, David Wachtel, and their 17-year-old daughter Whitney.

“What I find most rewarding about teaching is reaching my scholars not only academically, but emotionally. Once this foundational bond is made, learning comes naturally,” she says. “I believe teaching is a calling. My inspirations are my mom, Pat Nagel, who taught for 36 1/2 years as well as my third grade teacher, Mrs. Carol Anderson. I was thrilled as an undergraduate at UC Irvine serendipitously seeing Mrs. Anderson and being able to let her know my aspiration of becoming an elementary school teacher was being fulfilled as we spoke. What brings tears of joy to me now is having former students share likewise. I am extremely grateful knowing good teachers keep paying it forward!”


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What is the Best Age to Buy Long-term Care Coverage? By C. Lawrence “Larry” Thomas One of the questions I am most often asked is this one: what is the best age to buy long-term care (LTC) insurance?

40s. There is very little reason to buy a plan at this age. Although premiums are lower, you will spend more over time. Plus, there is no guarantee the premiums won’t rise. Note: since this was written Life insurance riders have been developed to provide long-term care coverage; a value added for 40-somethings who need Life coverage.



Begin deciphering the fine print of various long-termcare options to see if a policy makes sense for you. Consider any health problems you have and how long your relatives tend to live. And evaluate the importance of leaving assets to heirs.

For many people, this is the best decade to sign up. According to Consumer Reports: “The average age at which most people sign up for LTC coverage is 61. If you wait much longer, you run into insurability and affordability issues. For example, 23 percent of policy applicants in their 60s don’t pass the required physical, and 45 percent of people in their 70s fail.” (Consumer Reports Money Advisor)


hile I think this is, for the most part, still true, I have refined my advice to a range from 50 to 65 years old (the younger the better) as the best age to buy. I came to this conclusion partly for the reasons outlined above and because folks in this age range really feel the need to add LTC in order to protect the assets they have worked so hard for: to save them for a comfortable retirement lifestyle and to pass on to their kids and grand kids. Additionally, today there are policies available with guaranteed premiums. Also according to Consumer Reports Money Advisor “not everyone needs long-term-care insurance: only people with assets between $200,000 and $2 million should be perusing policies. Retirees with assets of $2 million or more should be able to pay for the full cost of care. And those with a net worth below $200,000 to $300,000 (not including a house) won’t be able to comfortably afford pricy premiums and will probably rely on government programs (MediCal, in California) if they need assistance with long-term care coverage.” I would add another consideration to the above, even people with over $2 million in assets (excluding home equity) want to save money to transfer to children, grandchildren, other heirs, the arts, universities, and charities. Long-term care coverage can do that and even more. There are long-term care policies available now that actually increase the size of the policyholder’s estate if long-term care is never needed. According to the U.S. Department of Health and Human Services over 70% of Americans over 65 will need some long-term care services either at home, in an assisted living facility, or in a nursing home. Without long-term MAY 2016


care insurance, the last years of life can be financially devastating for seniors and their families. The good news is that there are a range of LTC coverage products that can lift this burden and allow for aging with more independence and dignity and less reliance on the kindness of family and friends. More information, without cost or obligation, is just a call away. Please pass this article on to family or friends, especially those in their fifties. C. Lawrence “Larry” Thomas began working with long-term care and Medicare programs in the mid-1980s. He is currently associated with Insurance 101 Services to provide long-term care solutions to seniors and those approaching. Larry can be reached at (949) 374-3316 or CA Insurance License # 0C79256.


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Nine month old Princess is a fun little kitty who just loves company. Like true royalty, she enjoys having attention lavished upon her in the form of pets and playtime. Princess will happily reward you with her loving purrs and devotion.

Carter is a happy dog who just loves to play! At only 1 ½ years old, Carter is very lively and athletic and would appreciate someone who can keep up with his active lifestyle. When play time is over, Carter shows off his cuddly side and often wants nothing more than to sit in your lap and cover you with kisses. Ten month old Rosemary is back from foster care and ready for adoption! This little cutie just loves treats and is pretty easy to handle. She doesn’t mind being held and always enjoys a good petting session. Rosemary has great litter box habits and would do well in a cozy, indoor home.

This handsome fella is named Bodie and he is looking for his new best friend. A true gentle giant, Bodie is a big kitty with lots of love to share. Though sometimes a tad shy, he loves to be pet and brushed and would do well in a quiet, relaxed home.

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. DENTAL CLINIC FOR DOGS Weds, May 18th • Anesthesia Free Teeth Cleaning • Veterinarian Supervised • Full Physical Exam Included

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Turning 65? Read this….. You won’t be automatically enrolled in Medicare Part B unless you took your Social Security at age 62. You are only enrolled in Part A when you turn 65 (and only enrolled in premium free Part A if you or your spouse paid into it for 40 quarters). The protocol now for Part B to be activated is either going online to to do that, or going in to the closest Social Security office. The earliest you can activate Part B is 3 months prior to your 65th birthday. You must have both Part A and Part B active in order to enroll in a Medicare Advantage or Medicare Supplemental plan. Part A covers Hospitalization, Skilled Nursing and Hospice to some degree and Part B covers 80% of Outpatient and all Physician services. There is a lot of financial exposure having only Original Medicare and nothing else to fill in the gaps. Medicare doesn’t have outpatient prescription drug coverage either, you have to enroll in a plan offered by a private insurance company. If you’re curious to learn more about your options when you turn 65, please call to schedule a consultation. My services are always free. MAY 2016



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Mother’s Day Sorbet and South County Magazine

MAY 2016



Backstreet Home Décor Accents and accessories to make a house your “home” By Jody Robinson Photography by Melisa ChandleR, ChandleR PhotogRaPhy

My job as editor of South County Magazine comes with many perks - not the least of which is the opportunity to meet other local professionals in the community. MAY 2016




hen writing a showcase on their respective businesses, it’s always nice to be able to get to know these individuals through the perspective of their clientele, but it’s even more fun when I can count myself among their customers. Such is the case with Susie Smith, owner of Backstreet Home Decor - the landmark San Clemente boutique on El Camino Real with a second high-profile storefront in the heart of downtown on Del Mar Street - a thriving business that evolved from a single mom’s desire to spend more time with her young children.

In 1978, Susie was working as a dental hygienist. But as rewarding as it was to have found success in the career path for which she had pursued her education and training, her full-time hours kept the young mother from being at home. For fun, Susie began making dried and silk floral arrangements for herself and her friends - her creations were met with such overwhelming response that she started selling arrangements out of her garage and as demand increased, she even began teaching classes in floral design. “I was a mom, a single one and working full time,” she says. “I longed to be at home with my children and wondered if perhaps I could turn this hobby into a real business.” With the encouragement of her friends, Sue “took a flying leap of faith” and opened Backstreet Home Decor and over the course of the following 35+ years grew from a 500-square-foot shop to the thriving business it is today. Between the two locations, Backstreet Home Decor and Backstreet on Del Mar encompass 5,000-square-feet of showroom space filled with fabulous fine furniture, lamps, mirrors, wall art and what is arguably the largest selection of the most stunningly realistic, gorgeous custom silk florals, trees and foliage. Susie now has a staff of well-qualified associates that will provide in-home consultation specializing in full service, accent, accessorizing - as well as residential and commercial Christmas and holiday décor. This could involve “pulling together all the existing design elements in a home, or accenting a room with different picture frames, artwork, trees and florals, creating a new look or accent or designing a complete makeover. “Client budget vary, of course,” says Susie. “Sometimes we do several rooms at a time, but for many clients, we just suggest that they start with a single room and then go from there. I like to start with the home’s foyer. When we get the right feeling for the entry, the rest of the process begins to flow from that direction.” Looks can definitely be deceiving. From the road, the main location - located on El Camino Real - appears to be a small storefront, its windows displaying beautiful decorative items, jewelry, handbags and accessories. Step inside, however, and if you’re anything like me, you’ll

discover that you could literally spend hours looking at all of Susan’s wonderful offerings, which range in style from Old World to contemporary. Each piece is reflective of Susan’s keen eye for color, quality, texture, design detail and style - a fact not lost on the scores of professional designers who regularly shop here to decorate their client’s homes. Beverly Stadler, past president of the Orange County Chapter of the American Society of Interior Designers, who has been buying Susie’s designs for her clients for nearly 30 years says “Susie is fabulous to work with. She has endless creativity and style. And her accessories and decor are fabulous ... and at incredible prices too! I recommend Backstreet to everyone - designers and clients.” Homeowners who have taken advantage of Susan’s in-home consultation rave that she was able to suggest just the right furniture, decor, florals and color palette to create the look they were dreaming of - a fact that I can personally - and happily - attest to. When our family moved from San Clemente to San Juan Capistrano two years ago, Susie’s showroom the first and only stop I needed to make for the decorative items and accessories that would make our new house a “home.” Friends and family have all complimented me on my “design style,” but I have to give credit where credit is due. Susie would be too humble to call herself an “artist,” so I’ll do it for her. Her vision of color, texture, line, shape, natural proportion and balance re-

MAY 2016



While everything in her store speaks of high quality, her prices are surprisingly affordable. Because of longstanding relationships with vendors from the top decor lines across the county, Susan is able to acquire furniture and accessories at substantial discounts which she in turn passes along to her customers. “We only LOOK expensive,” she says. “What sets us apart is that all of our florals are custom designed on the premises. We work with our clientele to create exactly what they want. We really try to come up with the unusual - unique items that you just won’t find in every single store.”

sulted in the beautiful floral arrangements and wall hangings that adorn our home, along with just the right accent and “statement pieces” to visually tie everything together. “The ideas keep coming everyday from everywhere,” says Susan, when asked where she derives the inspiration for her designs. “Gardens, trees, flowers, photos, magazines and people. I have so many ideas and it’s such fun to work with my clients to make their thoughts and concepts into real pieces for their homes.’’ She credits her suppliers with providing the very best materials in the industry for her to work with, and is known by the design profession to have the best selection of silk florals and trees in the region. The best testament to any business owner’s success are the comments that come directly from satisfied customers like Lloyd W. Glass of Coto De Caza who says “Susie is fantastic. She has done great work, with no problem, just great results since I met her years ago. She is the real deal.” Cindy Caster of Dana Point echoes Lloyd’s sentiment and adds “Susie has a great eye for all styles and she is a joy to know and work with.”

Susie would like to thank all of her friends and clients for their business for over 35 years. “Because of your loyal support, my adrenaline is still pumping, my energy is flowing and I still LOVE designing! Thank you so much!” If her gorgeous showroom and principled business practices weren’t enough to draw you in, Susie is one of the nicest people in town - genuinely passionate about what she does and more importantly, equally enthusiastic about building and developing longterm relationships with her clientele. “The customer is most important, not what they are buying,” says Susie. “So many of my customers have become my good friends. I am blessed to have such wonderful people in my life.”

Connect with Susie by stopping by Backstreet Home Decor at 307 N. El Camino Real in San Clemente, calling (949) 498-2210 or MAY 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.

Network Print Solutions

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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

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udy Blossom Realtor



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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.

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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.

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



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 MAY 2016



Dining, Arts & Entertainment MAY 1

Annual Cinco de Mayo Fiesta The Annual Cinco de Mayo Celebration showcases live entertainment featuring traditional Mariachi’s and Ballet Folklorico to Cumbias, Tex Mex, and Salsa dancers. Community groups will be serving up authentic Mexican food fare and other activities will include a juried Art Contest, Carnival Game booths and a vendor area. 12 - 6 pm. Located at Max Berg Plaza Park 1100 Calle Puente in San Clemente.


Happy Hour Half off appetizers and wine at Brio Tuscany Grill. 24050 Camino Del Avion, Dana Point. 3:306:30pm.


Soka University’s Annual International Festival Enjoy over 700 musicians and dancers performing on three stages and over 230 nonprofit, craft and business exhibitors! There will be international food, exhibitors, games and activities, art exhibitions, ceramic sales, a children’s play area with Bounce House, student projects. Admission is free. Located at Soka University 1 University Drive Aliso Viejo.

of the Mariachis” and authentic Mexican food. Mariachi performers will compete for cash prizes. 11 am - 4 pm Located at Mission San Juan Capistrano - El Camino Real/Ortega Hwy San Juan Capistrano.


Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am9pm (every Tuesday).

MAY 15

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.


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 – 9 pm, celebrates the diverse cultural art scene of Laguna Beach and is free to the public. PCH in Laguna Beach.


Laguna Beach Gate & Garden Tour The Laguna Beach Garden Club will showcase nine private gardens in the city’s charming Village neighborhood – including nearly an acre of magnificent grounds at an historic home. The one-mile walking tour is the club’s major fundraiser, with proceeds going to scholarships, school gardens and community projects. 11 a.m.-4 p.m. Complimentary refreshments and shuttle buses; plein air painters in gardens and along the route; plant sale and raffle. Located at Laguna Beach Garden Club.

MAY 11

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

MAY 12

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 Cuisine. 25254 La Paz Laguna Hills.

MAY 14

Mariachi Festival - San Juan Capistrano The festival will include entertainment “Battle


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

MAY 21

MAY 13

MAY 2016

MAY 18


Doheny Blues Festival - Dana Point The Annual Blues Festival is the true kick-off to summer with a weekend filled with music, lots of vendors and a International Food Court that features foods from around the world. Be sure you come down to Doheny State Beach and celebrate the beginning of summer with Orange County’s Favorite and most anticipated annual

summer festival! This event is from May 21-22, located at Doheny State Beach, Dana Point.

MAY 22

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.

MAY 25

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.

Contemporary Italian Cuisine MAY 28

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.

BUY 1 ENTREE, GET 1 ENTREE AT Dine in only. Not valid on takeout orders.

50% OFF

Not valid with any other offers or promotions.

Full Premium Bar Italian & California Wines ENTERTAINING MADE EASY! MAY 29

KSBR Birthday Bash Jazz Festival and Taste of the Bash With more than 30 headliners playing with each other in a giant jazz jam, each Bash is a once-in-a-lifetime concert for both the artists and the audience. More than 25 Restaurants and Wineries will be at the festival. Located at Oso Viejo Park / Norman P. Murray Community Center 24932 Veterans Way Mission Viejo.

Event Submission: MAY 2016


Let Us Do the Cooking For You Catering & Takeout

949.443.1476 24050 Camino Del Avion • Dana Point


2010 Business of the Year! 32082 Camino Capistrano San Juan Capistrano


ou’d have to be living in a cave not to know that tattoos have burst onto pop culture and have taken over the current media scenery. TV shows based on the tattoo industry have sprung up on major networks, social media pages for tattoo culture are numbering in the millions of followers, and you would be hard pressed to take a walk on the street and not see several people sporting leg tats or arm sleeves. Not to mention all the pieces you see on the beach! Tattoos have become a mainstream part of society. And So-Cal Safari is there to document the movement so you can watch in the comfort of your home. Check out the latest episode as we visit the MusInk Tattoo and Music festival held in Costa Mesa, California. Hard driving rock bands, the top 300 tattoo artists in the world and the Low Flow car show are all part of the most recent episode of So-Cal Safari airing Monday through Friday at 10 pm and twice on Saturday on Cox Channel 3.

949.493.4941 2013 Best International Eating Place 2016 Best Taco

Closed Monday and Wednesday


2011 Mayor’s Award Busin Leader of the Year

Let Ricardo’s Place Cater Your Special Event 2012 PISA Award For Outstanding Service To Children & Youth







SATURDAY, MAY 7, 2016 10:30 AM-5:00 PM (rain or shine) ■ 900 Musicians and Dancers on 4 Stages ■ Art, Dance, Games ■ International Food ■ Children’s Adventure Land

FOR MORE INFORMATION: Email: Call: (949) 480-4081 Soka University 1 University Drive Aliso Viejo, CA 92656 From I-5 exit at Oso/Pacific Park Drive, west to Wood Canyon Drive. Turn left and go 1 mile.

■ And Much More! International Attire Encouraged PRESENTING SPONSOR:


* Parking on Campus $10 cash. Please Carpool. Game tickets and international food priced individually.

Never Judge a Book by its Cover! (Even if it’s a law book!) By Beverly Blake and Tom Scott


Assumptions may be made by the title of a show…and those assumptions will be wrong! Especially in the case of Legally Blonde.

his story originally came from a novel written by Stanford Law student Amanda Brown. Similar to the way that her character Elle Woods wrangles her acceptance into Harvard Law School, Amanda actually submitted her manuscript to the publishing house on pink paper! Pink is a sign of hope, determination, intelligence and success and apparently it worked for her as it also does with her character Elle Woods! Since Amanda did not fit the persona of the typical law student she spent most of her law school years writing letters home describing the trials of not being accepted socially because of her ‘type’. The premise of this story is a truer one than could be imagined of selfactualization, determination and finding success after failure.

Two doggies, essential to the story are an unusual addition to the cast. Special auditions were held to cast Bruiser and Rufus. The author shared that she made subtle shout-outs to John Grisham novels, most humorously with the names of Elle’s and Paulette’s dogs - Bruiser and Rufus - who both share names with Grisham’s sleazy attorney characters - Elle’s Chihuahua apparently being named after J. Lyman “Bruiser” Stone from the novel The Rainmaker, and Paulette’s bulldog after District Attorney Rufus Buckley from A Time to Kill.

Legally Blonde The Musical opens May 20th and runs through June 5th. Come look inside the book and enjoy the musical!

As with all of the greatest books, movies, plays and musicals – no matter how pink and fluffy they may appear on the surface – there is an underlying struggle with selfacceptance, transformation and staying true to your beliefs. In an article the author shared that the character of Warner Huntington III was based upon research of the behavior of a former President…guess which one! The last initial is B as in Blonde.

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Marbella Plaza Plaza deSpecialists laslas Flores (Previously Beasley’s) Specialists Marbella Plaza Plaza de Flores Beasley’s) Marbella Plaza Marbella PlazaHome Plaza de(Previously las Flores Plaza (Previously de las Flores Beasle (Pre HomeDelivery Delivery Specialists Home Delivery HomeSpecialists Delivery 31105 Rancho Viejo Road 28562 Oso Parkway 31105 Rancho Viejo Road Viejo 28562 Oso Parkway 31105 Rancho 31105Road Rancho Viejo Road 28562 Oso Parkw 2 San Juan Capistrano, 92675 Rancho Santa Margarita, CACA 92688 San Juan Capistrano, CA 92675 Rancho Santa Margarita, 92688Santa San JuanCA Capistrano, San Juan CA Capistrano, 92675 CA 92675 Rancho Santa Margarita, Rancho CA 926 M 949-496-7354 949-766-5021 949-496-7354 949-766-5021 949-496-7354 949-496-7354 949-766-50

Same Day Service Monday - Saturday Drop Off Before 10am! Same Day Service Monday - Saturday Off Before 10am! Same Day Service Same Monday Day Service -Drop Saturday Monday Drop - Saturday Off Before Drop 10am! Off Before 10am! Mon-Thurs: 7am - 7:30pm Fri:Fri: 7am - 7pm 8am 10am 4pm Mon-Thurs: 7am - 7:30pm 7am - 7pm 8am - 5pm 10am -Sun: 4pm Mon-Thurs: 7am Mon-Thurs: - 7:30pm 7am -Fri: 7:30pm 7amSat: - Sat: 7pm Fri:- 5pm 7am Sat: - 7pm 8amSun: -Sun: 5pm Sat: -8am - 5pm 10am - 4pm Sun: 10am - 4pm MAY 2016



Mother’s Day Brunch

Sunday, may 8th Brunch Buffet from 9am-2pm

Includes bottomless mimosas. Carving station, omelet bar, Belgian waffles, filet Benedict, assortment of delectable pastries and much more.

Mother’s Day BRUNCH Book Now!



for this offer

SPECIALS ON COCKTAILS, PIZZAS, APPETIZERS & DRAFT BEERS Mon 2-9pm, Tue – Fri 2-6pm Sat & Sun 12-5pm 27211 Ortega Highway, San Juan Capistrano (949) 661-8466 •

TANNINS restaurant & wine bar

2 for 1 entree with any two drinks or bottle of wine

$20 Value. Tables of two or more, one coupon per table. Not valid on holidays. Not to be combined with other offers or used on weekly specials, including Lobster Tuesdays and Easter. CASH ONLY. No credit cards for this offer. Expire 5/31/16

27211 Ortega Highway San Juan Capistrano • (949) 661-8466

YUJA WANG, SOLO PIANO Tuesday, May 3, 8PM Praised for her technique, fresh interpretations and charismatic stage presence, Wang’s performance celebrates the 15th anniversary of Soka University. The program will include Brahms: Ballades Op. 10 Nos. 1 & 2; Schumann: Kreisleriana, Op. 16; Beethoven: Piano Sonata No. 29.

2016-17 SEASON SNEAK PEEK Series packages will go on sale June 6th and single-event tickets will go sale July 6th for Soka Performing Arts Center’s 2016-17 season. In addition to the International Symphonies, Sundays at Soka with Pacific Symphony, Chamber, Jazz Monsters and Jazz Festival series packages, this year you can save money by purchasing a World Music Series package that includes five world music events. On September 17, 2016 Soka celebrates the fifth anniversary of the opening of the Performing Arts Center and invites the community to an open house to see

Maria Schneider, Jazz Monsters

the two performance spaces with live music, tour backstage and enjoy light refreshments. For more information go to: www.

Matt Haimovitz, Cellist, Chamber Music Photo: Steph Mackinnon

Come early for Dinner! Soka Bistro is open for dinner M-F 5:30-7:30 pm, Sat/Sun 5:00-7:00 pm. Only $11.25 for an all-you-can-eat buffet.

Box Office: (949) 480-4ART (4278);

Box Office Hours Mon-Fri: 10am to 2pm MAY 2016



Box Office will be open 1 hour prior to scheduled performance times on performance days.

Home Financial Solutions ******************ECRWSSEDDM***** Postal Customer


C/O Community Publications P.O. Box 73188 San Clemente, CA 92673

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South County May 2016