Page 1

SORBET

FINDING NEW HOPE FOR ALZHEIMER’S DISEASE

page 8

A SoCal Senior Publication

TUITION-FREE, LIFELONG LEARNING COURSES FOR OLDER ADULTS page 18

February 2016

TAKE CHARGE OF YOUR LEGACY Page 12

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

+ ENTERTAINMENT GUIDE - FEBRUARY EVENTS


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Contents

SORBET

FINDING NEW HOPE FOR ALZHEIMER’S DISEASE

page 8

A SoCal Senior Publication

16 Careful Giving: Suggestions for Passing Gifts to Care Providers

TUITION-FREE, LIFELONG LEARNING COURSES FOR OLDER ADULTS page 18

February 2016

12 COVER FEATURE:

TAKE CHARGE OF YOUR LEGACY Page 12

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

+ ENTERTAINMENT GUIDE - FEBRUARY EVENTS

Take Charge of Your Legacy An Estate Planning Q & A with Martin J. Lombrano, AIF®, LPL Financial Advisor

18 Tuition-free, Lifelong Learning Courses for Older Adults 22 The Benefits of Diabetic Socks 24 Real Estate Capital Gains for Homeowners 26 Peter Prescott, Masters in Taxation 28 What is the Best Age to Buy Long-Term Care Coverage? 30 Managing Arthritis Exercise and Bodywork Keep Joint Pain at Bay

8 Clinical Research Studies: Finding New Hope for Alzheimer’s Disease

32 Understanding Sleep Apnea and Available Treatment Options 36 Two Important Enrollment Periods for Medicare 40 SOKA Performing Arts Center, Aliso Viejo - Season 2015-16 42 February Events Guide: Dining & Entertainment

20 How to Build Better Bone Health after Age 50

34 HIFU for Prostate Cancer? Learn why men are selecting this new treatment FEBRUARY 2016

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44 Odysseo by Cavalia - New Theatrical Adventure coming to OC


of LAGUNA of LAGUNA of LAGUNA of WOODS LAGUNA WOODS WOODS WOODS WOULDWOULD YOU WOULD WOULD LIKE YOU YOU LIKE YOU LIKE LIKE to improve to improve tostrength improve to improve strength &strength balance? strength & balance? & balance? & balance? to improve to improve toyour improve to improve stamina your your stamina your & stamina agility? stamina & agility? & agility? & agility? to improve to improve toyour improve to improve ming, your your flexibility your ming, ming, ming, flexibility &flexibility power? flexibility & power? & power? & power? to relieve to joint relieve to relieve topain? relieve joint joint pain? joint pain? pain? to change to change to your change to life? change your your life? your life?life?

... swing ... your swing ... swing ... game swing your your to your game game thegame to next to theto the level! next the next next level! level! level! JUST 15 JUST MINUTES JUST JUST 15 15 MINUTES 15 MINUTES ONCE MINUTES ONCE A WEEK ONCE ONCE A WEEK A WEEK A WEEK

“I can't believe “I can't “I can't how “I believe can't much believe believe how farther how much how much farther much farther farther I am hi ng I am the I am hiball, I am hi ng OsteoStrong the hi ng the ball, ng the ball, OsteoStrong ball, OsteoStrong OsteoStrong is a true game is a is true changer. a is true game a true game changer. " game changer. changer. " " " Dr. Sco� �ansen, Dr. Sco� Dr. Mission Sco� �ansen, Dr. Viejo, Sco� �ansen, Mission �ansen, CA Mission Viejo, Mission Viejo, CA Viejo, CA CA

BONES BONES BONES BONES I STRENGTH I ISTRENGTH ISTRENGTH STRENGTH I BALANCE I IBALANCE IBALANCE BALANCEE


TESTIMONIALS “Our firm is pleased to be a contributor to Sorbet Magazine, which we believe to be a beneficial resource to the senior community. We have been long-time contributors in several other publications the Sorbert’s editor has created and they have always been a pleasure to participate in (Orange Magazine, HB Magazine, Newport Mesa Magazine, South County Magazine, Marmalade Magazine). As estate planning attorneys, we serve the senior community and look forward to meeting many of Sorbet’s readers.” - Genene Dunn, The Law Offices of Donald A. Hunsberger “I have been advertising with Community Publications consistently since the launch of South County Magazine several years ago. The primary reason for this continued investment is the results we get in terms of brand awareness, lead generation, and sales. Another good reason is Community Publications’ outstanding customer service and their sincere desire to contribute their advertiser’s success. My advice is to try them. I’m sure it will be worth it.” - C. Lawrence “Larry” Thomas, Long-term Care Insurance - Insurance 101 “When I was asked if I wanted to be included in Sorbet, I had no hesitation. Working with Jody Robinson over the past few years, I knew she would create another professional, easy to read, and informative magazine that would appeal to seniors. I felt Sorbet would be the perfect fit for me to be able to inform seniors regarding Sleep Apnea treatment alternatives.” -  Scott E. West, D.D.S.    “Since I began contributing to Sorbet magazine, lots of people have commented to me about my articles and about all the great information in Sorbet in general. From the feedback I have received, I know Sorbet is making a definite impact with Orange County seniors. I have received calls from people looking to sell and wanting to know more about the value of their home so there has been a positive impact on my business from my involvement with Sorbet. The magazine has been a great boost to my real estate marketing efforts and to the OC senior population as well. I look forward to sharing more articles in future issues and helping more seniors with their real estate needs.” - Bruce Ballantine, Evergreen Realty “Simply put, advertising in the magazines produced by Community Publications works. My participation has resulted in new customers and the process couldn’t have been easier. Not only did they offer design services at no charge, they created a great ad without needing much input from me because they took the time to really understand my business. The resulting ad does a great job of getting my ‘message’ out - I’m very pleased.” - Betty Darroch, Mission Wigs

Mission Viejo Wigs

“I placed an ad in the community magazines produced by Community Publications to increase awareness of my product, but I had no idea the impact it would have! I’ve received great response and would definitely recommend these community publications to other local business owners.” - Kathy Crifasi, HipzBag FEBRUARY 2016

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A SoCal Senior Publication

FEBRUARY 2016 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson jody@sorbetsocal.com (714) 596-6611 ASSISTANT EDITOR Sara Watt ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kathy Mitchell Kim Roberson CONTRIBUTING WRITERS Bruce Ballantine Michelle Bryant Kristine Emerson Livia De Los Rios Stephanie Frisch Samuel Henderson, PhD Donald A. Hunsberger Tom Moffett Peter Prescott, CPA C. Lawrence “Larry” Thomas Scott E. West, DDS CONTRIBUTING PHOTOGRAPHY: Lana Farfan, Caught in the Moment Photography Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673


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SORBET UNDERSTANDING THE BRAIN IN ALZHEIMER’S DISEASE page

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ANNUITIES: A Q & A WITH J. LOMBRANO, AIF®, LPL MARTIN FINANCIAL ADVISOR page 14

A SoCal Senior Publication

January 2016

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ENTERTAINMENT


CLINICAL RESEARCH STUDIES:

Finding New Hope for Alzheimer’s Disease By Samuel Henderson, PhD

Alzheimer’s disease is a progressive neurological disease that primarily affects the elderly. In 2015 it was estimated that 5.3 million Americans were suffering from the disease. As the baby boomers age this number is predicted to more than double, with over 13 million Americans affected by 2050. Without significant new treatments, the rise in the number of Alzheimer’s patients will place a tremendous economic and social burden on the United States.

U

nfortunately, the development of new drugs for Alzheimer’s disease has not gone well. In the last 10 years no new drug substance has been approved. Between 2005 and 2015, there has been a 100% failure rate for new drug substances. The only new drugs that have been approved have been reformulation of existing drugs.

that have attracted the attention of those developing drugs to combat Alzheimer’s. While researchers identify new targets and develop potential new therapies, there is an opportunity for those with Alzheimer’s and their caregivers to help in the fight against this terrible disease. By participating in a clinical research study for Alzheimer’s disease you can directly help researchers in their efforts to find a cure.

The path to finding new hope for Alzheimer’s disease is dependent on clinical research studies. Drug development in Alzheimer’s has focused largely on the accumulation of a sticky protein called amyloid beta. This sticky protein is thought to be toxic to neurons and to interfere with brain function. Various attempts have been made to either prevent the formation of amyloid beta, or clear it from the brain. Unfortunately, to date these attempts have failed to demonstrate efficacy in clinical research studies. As outlined in previous articles in this series, there are other characteristic changes that occur in Alzheimer’s disease FEBRUARY 2016

While researchers identify new targets and develop potential new therapies, there is an opportunity for those with Alzheimer’s and their caregivers to help in the fight against this terrible disease. 8

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and Drug Administration and ethics boards. Regulatory authorities review clinical trial design for scientific merit, as well as to ensure that appropriate patient safety and protection measures are in place. During the clinical trial, the safety of the participants is the primary concern. Any adverse reactions to the drug are carefully monitored, followed, and steps are taken to ensure the safety of the participants.

Myth: I need to stop my current medications to join a clinical research study Another common myth is that participants in a clinical research study will be required to stop taking current medications in order to test the new one. This is not always the case. In many cases, because the clinical trial drug being tested is unproven, it would be unethical to stop a working medication to test a new one. Generally, participants in a clinical study are asked to be on stable dosing of their current medications, and are asked not to change the dose during the course of the study.

Myth: I will lose my primary care physician if I join a clinical study Participants in clinical studies for Alzheimer’s will be seen by a clinical trial physician who is an expert in Alzheimer’s disease and has treated many other patients with the same condition. A high standard of care for those who participate in a clinical trial is expected, and there is no requirement for you to stop seeing your regular doctors. Participants are encouraged to continue seeing their regular physician according to their normal schedule.

In this article we will dispel some of the common myths and misconceptions around clinical research studies and discuss what it means to participate in a clinical research trial.

Myth: There are plenty of volunteers

Myth: If I join, I may not get the drug being tested

One of the most common misconceptions about joining a clinical trial is that “There are plenty of volunteers and I’m not needed”. This couldn’t be further from the truth. Studies in Alzheimer’s disease often involved hundreds and sometimes thousands of patients and can take years just to recruit enough people for one study. Slow enrollment in Alzheimer’s disease trials is recognized as one of the major hurdles to new drug development. The more people that participate in clinical research studies, the faster progress will be made.

Typically, in a clinical trial, participants are randomly assigned to either the active study drug or the placebo, which is an inactive substance that looks like the active study drug. This is called a double-blind study, and it is the best way for researchers to test whether the new drug is safe and effective. While there is a chance that participants will receive placebo, rather than the investigational drug, many trials are designed with what is known as an “open label phase”. During this open label phase all participants receive the active study drug at no cost for a period of time. In some cases, the open label phase can last until the new drug is approved and available to the public.

Myth: Participants are guinea pigs that will be exposed to dangerous untested drugs Some people are afraid to participate in clinical trials because they think they may be dangerous. They say they would rather let someone else be the guinea pig, and prefer to wait until the drug is approved. While it is true that clinical trials do carry some risk because drugs being tested have often not been fully evaluated, it is important to remember that before a new drug can be tested in people, it has to be extensively tested in animals and other models. Prior to starting a clinical research trial the design is reviewed by regulatory authorities, including the Food FEBRUARY 2016

A high standard of care for those who participate in a clinical trial is expected, and there is no requirement for you to stop seeing your regular doctors. 9

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Joining an Alzheimer’s disease clinical study represents a considerable commitment.

After you have signed the informed consent, a full examination will be performed. This examination will likely consist of a complete review of your medical history, medications you are taking, a physical exam, blood work, and, in the case of studies for Alzheimer’s disease, testing of your memory and thinking, as well as other tests required by the specific research study. This will all be done at no cost to you. Based on the results of these screening tests, the study site will let you know if you qualify for the study. Note that although you may be healthy, it is possible that you may not qualify for the study for other reasons such as specific genetic requirements, or particular lab values that may be out of range for that specific study.

Myth: It costs too much to participate in a clinical research study It should not cost participants anything to take part in a clinical research study. The costs of a clinical trial are fully covered by the study sponsor. In fact, many studies provide modest compensation for participating, which may include reimbursement for travel and other expenses incurred during the study.

Once you have qualified for the study, you will be scheduled for your “baseline visit”, where additional study procedures are performed, and you will be randomly assigned to either the study drug or the placebo. No one will know if you receive the study drug or placebo – not you, or even the study doctor or his/her staff will know until after the study is complete.

Myth: I need health insurance to participate Health insurance is not required to participate in a clinical research study. The costs of the procedures and related medical care received as part of the clinical trial will be covered by the study sponsor.

Clinical research studies may last from a few weeks, to a few months, to a few years, depending on the design of the study. During this time, you will be required to attend study visits at regular intervals to check on your health and to measure how the study drug is working.

What to expect when you join a clinical trial If you are interested in being a part of finding new hope for Alzheimer’s disease by participating in a clinical research study, the first step is to find a clinical study in your area. In many cases, your current doctor may not be well-versed in what clinical research studies are currently underway. There are several online resources that can be used to locate potential studies, including www.clinicaltrials. gov or www.trialreach.com. On both of these websites, you can search for Alzheimer’s disease studies that are enrolling in your area.

Joining an Alzheimer’s disease clinical study represents a considerable commitment. By participating in clinical research you will have access to the study drug well before the general public, in addition to the benefit of the study doctor’s expertise. Although there are no guarantees that the study drug will improve Alzheimer’s symptoms, you will have taken an essential step to help advance new drug discovery, and most importantly, you will be a part of the fight against Alzheimer’s disease.

The next step would be to contact the clinical trial site and ask about the study. The study site may be enrolling for more than one study, so if you are interested in a specific study it is important that you relay that information to the study site at the beginning of the conversation. The personnel at the study site may ask you some preliminary questions to gauge your eligibility for participation in a particular study. This may include questions about your medical history or current medications.

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. For more information on this topic, Dr. Henderson can be reached at shenderson@accerapharma.com

Finally, if it appears that you may qualify for the study, the study site personnel will schedule a time for you to come in for a more comprehensive evaluation called a “screening visit”. At this first study visit, the site will explain the study in detail, including any risks or benefits. They will ask you to sign a document stating that you understand the study and the potential risks or benefits. This document is called an “informed consent”. It is very important that you fully understand what is expected of you during the course of the study and that you have all your questions addressed. You always have the option to take the informed consent home to discuss the study with your family and/or your doctor. FEBRUARY 2016

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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.

T

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 FEBRUARY 2016

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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.

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.

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.

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: Do I have to find the will right away?

 Question: Upon the passing of a loved one, whom do I need to notify?

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.

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: 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 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

 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.

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. FEBRUARY 2016

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. 13

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 Question: What important documents will the attorney want to see?

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…

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 taxes might be due after someone dies?

 Question: What if my loved one did not have a will? What do I do to settle his/her estate?

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.

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: 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…

 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?

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.

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.

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 martinj.lombrano@lpl.com. www.PenceWealth.com CA Insurance License # 0828215. Securities offered through LPL Financial, Member FINRA/SIPC.

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. FEBRUARY 2016

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MEMORIALCARE. GOOD FOR YOU.

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CAREFUL GIVING: Suggestions for Passing Gifts to Care Providers

PRACTICAL GUIDELINES In the common sense area, don’t take the health provider to see the lawyer, and don’t let your health provider be your trustee; get someone else. If you don’t have a family member or friend for the job, find a Private Fiduciary to take you to the lawyer and serve as your Trustee/Executor/ Agent. Otherwise, it looks like you’ve been steam-rolled, and it makes the government nervous.

By Donald A. Hunsberger

According to the Orange County Register, a 91-year-old woman from Brea died in mid-2014, and left her entire estate to her caregiver. After officials discovered the transfer, they removed her assistant as trustee and took away the home she left him.

Likewise, don’t discuss your plan with your caregiver, ever. This is something which leads to problems. Keep the process to yourself; don’t let him or her see the documents when they are done. Instead, spend time with outside persons other than your provider. Remember that the image of the isolated senior is what the courts and the agencies are looking for when they examine these cases for people who may have been victimized.

W

hy? According to the District Attorney and the ruling Judge, the facts of the case demonstrated “Fraud and Undue Influence” by the caregiver.

A caregiver has worked for you in your later years; How can you to safely include this person in your will or your trust? Can you avoid the accusations that destroyed this 91-year-old’s wishes?

Further, ask your lawyer about a “life estate” instead of making an outright transfer to the caregiver. This helps the provider during his or her life, and then delivers the asset to your friends, family or a charity following the caregiver’s death. Name a third party (not the provider) as the trustee (perhaps a private fiduciary) instead of the caregiver. This level of control on your part is not consistent with “undue influence,” and should calm the courts and placate the prosecutors.

To avoid the Brea woman’s result, consider a few specific rules from both the Probate Code and from common sense experience to show that the senior receiving the health care –the employer- has not been unduly influenced to name the care provider as an estate beneficiary. Probate law in California reflects years of problems with caretakers of the elderly. Following these rules may help to avoid both the appearance of – and actual—undue influence by the targets of the law.

At the same time, don’t name the provider as the sole beneficiary, or even the largest beneficiary. It just looks too suspicious. Name family, a Church, a School or a Hospital as beneficiaries along with the provider.

STATUTORY GUIDELINES

Remember, there are both good and bad people in every profession. The Probate Code is not there to punish the elderly, it exists to protect us. If there is a caregiver who objects to any of the suggestions above, it may be time to search for a new health care provider: this one may only be looking after his or her own well being, not for yours.

First, the statutes provide that a senior changing her planning documents to benefit a caregiver should not act either 90 days before or 90 days after the provider comes to work for her. That makes sense: nobody gives her estate to a person she just met three months ago unless she had somehow been “hypnotized” by being with the caregiver 24 hours a day. The senior in this situation should see an attorney and wait for the time to pass; don’t present the image of being hustled by a new health care giver.

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 www.hunsbergerlaw.com

Second, make sure your lawyer introduces you to an attorney who is not a part of her firm to interview you and complete the form provided in the Probate Code. Keep this Independent Review with the documents you receive. FEBRUARY 2016

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FEBRUARY 2016

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Tuition-Free, Lifelong Learning Courses for Older Adults Apply and Enroll Today! saddleback.edu/emeritus • 949-582-4835 28000 Marguerite Parkway, Mission Viejo, CA 92692 by Dan Predoehl, M.Ed • Director, Emeritus Institute

The Saddleback College Emeritus Institute is California’s largest lifelong learning program specifically designed for older adults. We welcome you to join us as we enter our 40th anniversary year of providing academically rigorous, mentally stimulating, socially engaging, and health improving courses offered at over 30 locations throughout South Orange County. Wherever you live in South Orange County, you are never far from one of the 220 sections of Saddleback College Emeritus Institute courses. Rolling admission: Apply and register even after the semester has started! Each semester, nearly 5,400 individuals choose to live happier and healthier lives by enrolling in tuition-free courses to stretch their minds and bodies. Whether you may be looking to discuss current political events, to express yourself through sketching, painting, or ceramics, to learn a new language, or to discover and practice healthful-living principles, you are sure to find fellow lifelong learners in the Emeritus Institute to join you. Don’t miss the upcoming Dorothy Marie Lowry Distinguished Guest Lecture Series (HUM 204x, Section: #21080) on Fridays, 9:30am-11:20am at Laguna Woods Village, Clubhouse 3 Auditorium. Each Spring semester, we welcome sixteen local and national educators, artists, sociologists, scientists, political activists, and scholars to engage students in critical thought and discourse.

students and faculty often emerge and keep students returning each semester to take courses with their favorite instructors and to learn alongside their peers. If you have been searching for the perfect, tuition-free opportunity to build new relationships, explore new ideas, and hone new skills, now is your chance. Join us in the Saddleback College Emeritus Institute by visiting our website and completing the student application. We look forward to seeing you in classes this January.

Since admission and enrollment are on-going, you can easily apply to become a student and enroll in courses even after the semester has started! Visit our website at saddleback.edu/emeritus to apply or call us at 949-582-4835 for more information.

Saddleback College Emeritus Institute Over 30 South Orange County Teaching Sites saddleback.edu/emeritus • 949-582-4835

Highly qualified and personable faculty members invest in the personal and educational development of our students. It is no surprise that friendships between FEBRUARY 2016

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INSURANCE SERVICES FOR SENIORS AND THOSE APPROACHING Medicare/Health Insurance Marketplace-Covered Calif./Life

Call STEPHANIE FRISCH 949.351.2443

(CA Lic: 0F18674)

InsuranceEducation@att.net | www.YourInsuranceEducation.com Long-term Care Coverage/Annuities/Life Insurance

Call LARRY THOMAS, 949.374.3316 (CA Lic: 0C79256)

ltinsurance@me.com | www.lawrencethomasins.com

Subject of the Month: Financing Long-term Care Services Financing long-term care services (assistance with eating, dressing, bathing, toileting, and transferring – i.e., from a bed to a chair and walking) either in a facility or at home can be very costly; $7,000 to $10,000 per month is common today. There are three choices for financing this assistance: Choice 1, Self-fund: Liquidate and spend your personal assets or receive personal or financial assistance from family or friends. Choice 2: Liquidate and spend your personal assets until you qualify for MediCal long-term care coverage which will pay for all or part of you care depending on you personal situation. Choice 3: Fund this care through an insurance company by the purchase of either long-term care insurance or innovative long-term care coverage combined with life insurance or an annuity With this choice, if you never need long-term care or don’t use the entire benefit, you still have the end-oflife benefit that will transfer to your beneficiaries. For details, give us a call. There is never a charge for information or consultations.

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How to

BUILD BETTER BONE HEALTH After Age 50 By Thomas J. Moffett

Most people don’t think about bone health until they’re at risk for developing osteoporosis, a condition that causes bones to become porous, brittle, and weak.

A

Osteogenic loading sessions only take about 10 minutes a week and can be done in regular street clothes because people don’t break a sweat.

ccording to the National Osteoporosis Foundation, 54 million Americans age 50 and older are affected by osteoporosis and low bone mass. The statistic came from a 2014 study published by the Journal of Bone and Mineral Research that also said 10.2 million adults have osteoporosis and another 43.4 million have low bone mass.

When the body’s natural rebuilding responses are triggered during high-resistance osteogenic loading sessions, the body continues to build bone for days after the osteogenic loading event. Because it stimulates the whole body, osteogenic loading also leads to improved muscle strength and better balance.

Decreased bone mass affects people over age 50 more dramatically because the body naturally loses bone and rebuilds it more slowly as people age. Doctors often prescribe medications to slow the rate of bone loss and encourage the body to rebuild bone, but medications are costly and come with lots of uncomfortable and even painful side effects.

Osteogenic loading is beneficial at every age, regardless of physical condition. For people who are facing bone loss after age 50, it has had a significant impact on reversing the effects of bone loss. Many people who have done osteogenic loading sessions just once per week have completely reversed their osteoporosis and stopped taking osteoporosis medication.

Doctors also advise exercise to combat bone loss, but emerging research has shown that diet and exercise alone won’t build significant enough bone mass later in life to reverse the effects of osteoporosis.

If you are at risk of osteoporosis, or if you already have osteoporosis and are concerned about breaking a bone, consider osteogenic loading. It’s a natural solution that lets your body increase its bone density at any age.

A proper diet and regular exercise are always good for overall health, but when it comes to improving bone density, many people are turning to osteogenic loading, an emerging technique that is proven to build bone density at any age.

Thomas J. Moffett is franchise owner of OsteoStrong of Laguna Woods specializing in building bone density naturally through osteogenic loading. OsteoStrong of Laguna Woods is located at 23601 Moulton Parkway, Suite B in Laguna Woods. TO BOOK A FREE BONE DENSITY TEST AND FREE FIRST SESSION, call (949) 916-0916 or visit www.OsteoStrongLagunaWoods.com

Osteogenic loading is a brief set of intense resistance movements that naturally triggers the body’s internal rebuilding responses. When it comes to increasing bone mass, osteogenic loading can be more powerful than exercise because monitored sessions allow the user to safely push four or more times their own body weight, the amount of pressure required to build new bone. Patented osteogenic loading technology closely monitors sessions so that even a massive amount of pressure will never become uncomfortable and won’t cause injury. FEBRUARY 2016

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CARE TIPS

The Benefits of Diabetic Socks By Livia De Los Rios

T

he primary purpose of diabetic socks is to keep your feet dry, decrease your risk for foot injury and avoid preventing or slowing blood circulation. The difference between diabetic socks and regular cotton socks is that they are usually are made of materials that wick away moisture, are fitted, padded and are non-binding. Because people with diabetes are at higher risk of foot injuries and infection due to damage to their circulatory and nervous

systems caused by high blood sugar levels, they would benefit from wearing diabetic socks. Nerve damage, or neuropathy, decreases sensation and increases risk of injury, particularly on the bottom of the feet and can also cause people with diabetes to be unaware of an injury and delay treatment. Circulatory problems also make it harder for wounds to heal. For these reasons and more, proper foot care is critically important for people with diabetes and diabetic socks are designed with these specific issues in mind.

Livia De Los Rios is president and CEO of Allied Medical Supply located at 424 S. Main St., Suite M in Orange. She can be reached by calling (714) 935-9200 or visit www.AlliedMedical.net FEBRUARY 2016

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• Look at and touch your feet everyday • Keep your feet clean and dry • Cut or file toenails with the shape of the toe, smoothing all sharp edges • Moisturize dry skin with a lotion • Avoid injury to the feet. Have corns, calluses or ingrown toenails treated by a professional • Wear well-fitting, soft leather or fabric shoes • Check shoes daily for cracks, pebbles, or other things that might damage your feet • Get your blood glucose under control • Wear well-fitting socks, without a thick toe seam, made of material that wicks moisture away from skin Be aware of: • Changes in skin color or temperature • Swelling in the foot or ankle • Pain in the legs • Open sores on the feet that are slow to heal • Ingrown toenails or toenails infected with fungus • Corns/calluses/ bunions • Dry cracks in the skin, especially around the heel If you have a foot problem that is slow to go away or continues to get worse, contact a healthcare professional immediately.


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Real Estate Capital Gains for Homeowners By Bruce Ballantine

In real estate, capital gains are the difference between the purchase price of your real estate and the price you sell it for. Capital gains tax is what you pay on that difference, after adjusting for a variety of exemptions, deductions and tax breaks.

T

SPECIAL PROVISIONS FOR EXTENUATING CIRCUMSTANCES

he tax on capital gains income is calculated separately from the tax on your regular income and often at a different rate. In addition to federal capital gains taxes, most states, including California, tax the gains too.

The military tax exclusion – Being in the military has its benefits when it comes to capital gains and selling a home. Because of being deployed, those in the military often find it hard to meet the residency rules and end up paying taxes when they sell. A law put in place in 2003 exempts military personnel from the two-year use requirement mentioned above for up to 10 years, letting a service man or woman qualify for the full exclusion whenever they must move to fulfill their service commitments. There are also additional tax benefits for being a veteran that should be understood.

In most instances, the real estate exemption rules are as follows: 1) If you are single, you can make up to $250,000 in profits on your home sale before you have to pay taxes. 2) If you are married, you can make up to $500,000 in profits before paying capital gains tax. To qualify for the exemption, you have to meet all of the requirements:

Your spouse passes away – Another provision in the tax law was changed in 2008. This change takes into account the special circumstance an owner faces after their spouse dies. Previously in order to exclude the full profit amount excluded from taxes the surviving spouse had to sell within the same year of the death. The change allowed the widower to have up to two years to sell the property without facing the burden of paying taxes. As long as the surviving spouse sells within the two years window they will be able to exclude the full amount of profit.

Must be your principal residence – This tax break is designed for people who are selling the home they live in, not investment property. You have to live in this residence for two out of the last five years. There are no limits on how many times you can use this as long as you meet the two-year requirement. As far as living in the home for two out of the last five years, there are no hard and fast rules regarding this situation. You could have lived in the home the first year; rented it the next three, and lived in it again in the last year and you would be fine as far as the capital gains exclusion goes.

IMPORTANT: USE TRUSTED PROFESSIONALS FOR ADVICE

This does not apply to your vacation home – Remember that selling a second home does not yield the same tax benefits. Even if you move into the second home and live there for two years, some of the profit from the sale will still be taxable, based on how long the residence was used as a secondary home.

It is very important to get the advice of trusted professionals (tax attorneys, real estate agents, financial planners, etc.) to answer questions and provide guidance. If you have any questions about real estate please give me a call and I can provide a listing of resources for you to contact to get further information and help.

Understand your new spouse’s home sale history – Although the law is fairly lenient on residency times for marriages, it is not so lenient on previous uses of the exclusion. If your new spouse used the home sale exclusion within the past two years – like selling his own house to move in with you – this will impact your ability to use it for the current home sale. If he just sold the house, you will need to wait a full two years before you can take advantage of the full exclusion. You may be able to get a partial exclusion though, depending on your situation. FEBRUARY 2016

Bruce Ballantine is a Seniors Real Estate Specialist and Certified Senior Advisor and Realtor Associate for Evergreen Realty. CalBRE #001783833. He can be reached at (949) 632-2923 or bruce.evergreen@cox.net 24

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ARE YOU LOOKING FOR AN ALTERNATIVE TO THE CPAP MASK? FACT: Oral Appliance Therapy has been proven to be the best alternative treatment for Sleep Apnea and Snoring

FACT: Oral Sleep Appliances are made by dentists.

Q. SO, HOW DO YOU SELECT THE RIGHT DENTIST TO MAKE AN APPLIANCE THAT WILL BE SUCCESSFUL FOR YOU? A. GET A YES TO THE 10 QUESTIONS BELOW: 1. Does the Dentist have over 10 years experience in this field? 2. Does the Dentist work with more than one type of appliance? 3. Is the Dentist able to show you his Success Stories? 4. Does the Dentist work closely with Sleep Centers in your area. 5. Does the Dentist follow-up with you to make sure you get the best results? 6. Is the Dentist a Diplomate of a Sleep Academy? 7. Does the Dentist have good reviews on Healthgrades and Yelp? 8. Is the Dentist a Medicare Provider? 9. Is the Dentist’s Staff well trained on billing Medical Insurance? 10. Does the Dentist have an informative website on this subject.

CALL Y TODA (949) 829-6700

FACT: DR. SCOTT E. WEST CAN ANSWER YES TO ALL 10 QUESTIONS.

AND THE CONSULTATION IS FREE!

www.CannotUseCPAP.com

SCOTT E. WEST D.D.S., F.A.G.D. • Diplomate of the Academy of Clinical Sleep Disorder Disciplines • 22672 Lambert St. #603, Lake Forest CA, 92630

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)

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Mary Catherine McPherson, C.Ht. Advanced Provider

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949.661.6909


Peter Prescott, CPA MASTERS IN TAXATION By Ann LAurence

Certified Public Accountant Peter D. Prescott is single-minded: “I strive to make each client as tax efficient as possible. Using a client’s entire finances as a framework, we establish major goals and then combine tax savings techniques and professional financial planning to enhance the growth of their money!” derstands that early planning to meet family goals is critical. Peter has been helping Southern Californians with their income tax returns, tax planning, and comprehensive financial planning needs for over 30 years. Peter is adamant when he says, “As long as the IRS keeps up with its annual “tax simplification” strategies, you will want to use a professional who understands the constantly changing tax and financial environment.” Peter stresses that “the start of the year is the perfect time for tax planning. It enables us to achieve a good sense of direction and work together with my undivided attention. This is true for any individual, small business, or corporation seeking to become more tax efficient and a better financial consumer.”

P

Knowledge of the tax laws is of little value unless they can be applied wisely to fully meet your needs. That is why Peter Prescott follows a comprehensive approach combining effective tax savings, advance financial planning strategies and professional investment methodologies.

eter’s background is impressive: A business degree from U.C. Berkeley, a Professional Financial Planning designation from U.C.L.A., a Masters in Taxation from Golden Gate University, Big 8 accounting experience at Price Waterhouse and the Personal Financial Specialist Designation (PFS) from the American Institute of Certified Public Accountants. Overwhelming technical expertise belie the fact that Peter is a people person. His clients appreciate his professional knowledge of course, but love him for his down to earth sensibility, wit and humor. As a man who has participated in public speaking venues, stand-up comedy and a few game shows, Peter loves life and is not only dedicated to his profession, but also maintaining a balance of work and play. His most important priority is his own family. His wife Margie is a homemaker and formerly a special education teacher in San Clemente. Having three sons, Peter un-

Why allow yourself to become anxious and stressed out about your taxes, retirement, college, or business planning? The best time to begin the process is now. There are still many actions that can be taken to save you money this year and be better positioned for the future. With Peter’s help you will benefit not only from his experience, but you’ll be able to relax a little more too! Call today to schedule a tax planning or tax return preparation meeting to take advantage of Peter’s New Client Offer.

Prescott Tax & Wealth Management 30950 Rancho Viejo Rd, Ste 100 • San Juan Capistrano, CA 92675 (949) 248-9815 • (949) 661-5395 Fax • Peter@Prescott500.com • www.Prescott500.com FEBRUARY 2016

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SAY GOODBYE TO YOUR UGLY NAILS Get nicer nails in as little as 90 DAYS From minor nail problems to the worst nails. WE CAN FIX THEM

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“We are amazed at how clear and healthy my mother’s toe nails were after a couple laser treatments by Dr. Roth. In a few treatments, her disfigured and diseased toe nails became healthy and clear. We highly recommend Dr. Ivar Roth for his knowledge and application of cutting edge treatments.”

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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-

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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? A number of years ago Consumer Reports studied this and came up with the following:

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.

50s.

60s.

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)

W

hile I think this is, for the most part, still true, I have refined my advice to a range from 55 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.”

living facility, or in a nursing home. Without long-term 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.

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.

Please pass this article on to family or friends, especially those in their fifties. 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.

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 FEBRUARY 2016

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Managing Arthritis EXERCISE AND BODYWORK KEEP JOINT PAIN AT BAY By Michelle Bryant

T

he word arthritis strikes fear in the hearts of older adults. It often signifies aging, pain, inactivity, and disability. However, new research shows moderate physical exercise can actually ease arthritis symptoms by decreasing pain and increasing a person’s likelihood of living a normal life. Understanding Arthritis: The most common form of arthritis-osteoarthritis, or also known as degenerative arthritis--affects more than twenty million Americans. Osteoarthritis (literally meaning “bone-joint inflammation”) is caused by wear and tear on joint surfaces and most frequently involves the hips, knees, lower back, neck, and fingers. More than half of people over sixty-five have some evidence of osteoarthritis on X-rays, although it doesn’t always manifest as symptoms. Many problems arise from a sedentary lifestyle. Joints lose flexibility and muscles lose strength, feeding the cycle of pain, inactivity, and more pain. Exercise Offers Sweet Relief: Vigorous walking, swimming, and bicycling boost the release of powerful endorphins, the body’s natural

painkillers. When done four to five days a week, these aerobic activities improve general cardiovascular health and aid in weight management (obesity is the single biggest risk factor for osteoarthritis). Strengthening and stretching exercises targeted at maintaining joint flexibility and muscle strength-especially for at-risk joints--slow the progression of degenerative arthritis. Yoga classes and moderate weight lifting programs are excellent ways to improve strength and flexibility. Bodywork can also provide relief. If arthritis is slowing you down, get serious with your exercise plan. Consult your physician; work with a professional trainer, physical therapist, yoga instructor, or bodyworker; and start a gentle, progressive exercise program. Your joints will reward you for it, and you’ll free yourself from arthritic pain. Michelle Bryant is the owner of the San Juan Capistrano-based Massage Associates. To connect with her, visit 31952 Camino (in the Mercado Village), call (949) 489-7924 or visit www. themassageassociates.com FEBRUARY 2016

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FALL PRIA INLS G! SPSEC SPCaEC ll ForIA Detai LS ls !

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

FEBRUARY 2016

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Understanding Sleep Apnea & Available Treatment Options By Scott E. West, DDS

Are you experiencing Daytime Tiredness, Morning Headaches, Mood Changes or Depression? Do you Snore? These symptoms are indicators of Sleep Apnea.

W

hen you share these symptoms with your physician he most likely will schedule a Sleep Study for you. Your doctor knows that patients with Sleep Apnea have a high potential of developing Heart Disease, Diabetes, Dementia, and Stroke. Why does Sleep Apnea cause so many medical problems? Essentially, Sleep Apnea deprives you of oxygen. Oxygen deprivation puts pressure on your cardiovascular system. This may lead to Diabetes, or Stroke. Deprivation of oxygen to the brain can also lead to Dementia, Depression, and obviously Tiredness. A Sleep Study allows your Doctor to assess the severity of your situation. As we age, the risk for developing Sleep Apnea gets higher. And, why is this? Most of us gain weight as we age. Do you weigh the same as you did at 21?

My practice website is www.CannotUseCPAP.com. There you will learn why the first alternative for treating Sleep Apnea is an Oral Appliance - something similar to a dental retainer that is worn on your teeth while sleeping to prevent Sleep Apnea.

This increased weight tends to close off the airway while sleeping, thus depriving your body of oxygen. Also, as we age, tissues collapse; this again tends to close off the airway. An expression I like to use is “Gravity Sucks.”

If you have symptoms of Heart Disease, Morning Headaches, Snoring, Tiredness, or Depression, you should schedule an appointment with your physician regarding Sleep Apnea. If you have already been diagnosed with Sleep Apnea, and cannot wear the CPAP, call my office today to schedule a FREE CONSULTATION. You have nothing to lose and everything to gain – including a good night’s sleep and better health.

The recommended treatment for Sleep Apnea is the CPAP mask. CPAP stands for Continuous Positive Air Pressure. Air pressure generated by the CPAP keeps the airway open and therefore avoids the negatives of oxygen deprivation. However, I see many seniors who find the CPAP mask too difficult to wear. Despite knowing it’s benefits, I’ll frequently hear from patients, “I just can’t wear it. I know it will help me, but I can’t do it.” That’s where I com in!

My staff can answer any questions you may have regarding Oral Appliance Therapy, schedule your free consultation, and review the use of Medicare or Insurance.

I am a Diplomate of the Academy of Clinical Sleep Disorder Disciplines. I have worked closely with most of the Sleep Centers and Doctors in Orange County and they have witnessed my high success rate. With over 10 years experience is this field, I have developed a system to determine which dental appliance holds the best odds of successfully treating your Sleep Apnea. FEBRUARY 2016

For more information, visit www.CannotUseCPAP.com or call (949) 829-6700 for a FREE consultation. 32

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Only the

BEST

Ingredients

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 www.ocpharmacy.net

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.


HIFU for Prostate Cancer? Learn why men are selecting this new treatment By Yvette M. Manard, MPH

In October, 2015 the Food & Drug Administration (FDA) approved High Intensity Focused Ultrasound (HIFU) for the treatment of localized prostate cancer.

F

proceed with proton beam radiation when he heard about HIFU and scheduled a consultation with Dr. Pugach. “I had a fantastic meeting with Dr. Pugach and decided HIFU was the way to go. Today, I am cancer free and my quality of life is excellent.”

or many men diagnosed with prostate cancer, HIFU is a new treatment that they haven’t heard about nor are they aware of its benefits, including avoiding permanent urine leakage and erectile dysfunction (ED) that surgery or radiation can cause. “Being able to offer my patients a treatment to cure their prostate cancer and maintain their quality of life was very important to me,” says Dr. Robert Pugach, Medical Director of Western States HIFU and Pacific Coast Urology Medical Center.

Whether you are undiagnosed, newly diagnosed or have been previously treated for prostate cancer, Dr. Pugach encourages you to get the facts. Learn more about HIFU and listen to Andy’s and other patient’s testimonials at www.pacificcoasturology.com and www. hifuprostateservices.com.

HIFU has been used in more than 40 countries. Because the FDA was slow to act to approve HIFU, Dr. Pugach travelled outside the U.S. to learn this remarkable, nonsurgical, radiation free treatment for his patients’ prostate cancers. After treating patients for 10 years with this non-invasive procedure, Dr. Pugach is now one of the top 10 HIFU practitioners in the world and one of 8 doctors certified to teach other urologists how to perform HIFU.

Remember early detection saves lives. annual prostate cancer screening exam! Pacific Coast Urology Medical Center is one of the leading medical practices in the US specializing in the minimally invasive treatment of urological conditions. If you would like to learn more about HIFU, call, 844-HIFUDOC or visit: www.pacificcoasturology.com

Andy, diagnosed with prostate cancer at the age of 49, is typical of many men diagnosed with prostate cancer. “After the initial shock wore off, I began doing intensive research and scheduled appointments with leading urologists and radiologists,” he says. Andy was about to FEBRUARY 2016

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Two Important Enrollment Periods for Medicare By Stephanie FriSch

With Open Enrollment behind us, many Medicare beneficiaries that are on a Medicare Advantage plan are unaware of the annual Medicare Advantage Disenrollment Period.

F

rom January 1st to February 14th beneficiaries who wish to dis-enroll from their Medicare Advantage plan and go back to Original Medicare are allowed to. They can purchase a Medicare prescription drug plan and a Medicare supplemental plan to round out their Medicare coverage and fully protect themselves. Adding the Medicare prescription drug plan is a guaranteed right for them, but enrollment in a Medicare supplemental plan is not guaranteed unless certain criteria is met. If an individual does not meet the guaranteed issue criteria, then underwriting is involved. Sometimes someone doesn’t qualify right away for a Medicare Supplemental plan, and they may need to wait to add it until they do. Once someone is on Original Medicare, a supplemental plan can be added anytime in the year. Most people I meet with are unaware of this. The second important enrollment period is the Medicare General Enrollment Period and it occurs annually between January 1st and March 31st, with coverage starting July 1st. This is an important window of time for those that didn’t activate their Part B portion of Medicare during their Initial Enrollment Period, or had Part B activated but then dropped it. The first of the two scenarios is happening more frequently as the age requirement for receiving Social Security increases. Many people are still under the impression that they are automatically enrolled in Medicare Parts A and B when they turn 65. But now that most don’t qualify until after turning 65 for Social Security, they need to go online to Medicare.gov to enroll in Part B three months prior to their 65th birthday month. (Enrollment in Part A still happens automatically at 65 and for the majority of the population, and has no premium.) The second scenario; dropping Part B during the year generally happens because someone forgets to pay their premium (If you aren’t taking Social Security you get billed quarterly for Part B), or they fall on hard times and choose to not pay it. In most cases, if you don’t sign up for Part B when you’re first eligible, you’ll have to pay a late enrollment penalty for as long as you have Part B. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B, but didn’t sign up for it.

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. FEBRUARY 2016

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Our Colorful History By Tom ScoTT and Beverly Blake

W

e know and love the Swallows that return to San Juan Capistrano, but did you know that there are 75 different types of swallows worldwide? The ones with which we are most familiar are the Cliff Swallows which travel between Goya, Argentina and San Juan Capistrano and surrounding areas.

Swallows all over the world make the twice yearly migration from Southern Hemisphere to Northern Hemisphere and that migration is determined by food supply - as days grow shorter, food supplies decline so they go to where the days get longer. That’s why the migration is around the Spring Equinox and Fall Equinox. They are very definitely territorial birds and almost always return to the same nesting site each year. They build mud pellet nests on buildings’ eaves and other structures. Of course the Mission San Juan Capistrano was the most common destination in this area for years and while our Mission is a lovely venue, it is likely that the birds were more attracted to the insects that hatched around the two nearby rivers and then took advantage of the tall Mission buildings which encouraged the colonized nesting.

The migrating Swallows travel in large flocks and cover about 200 miles a day mainly during daylight hours traveling up to 35 miles per hour. As they fly, they eat insects out of the air, with each bird consuming approximately 60 insects per hour. San Juan’s colorful history has inspired books, films, songs, artwork and San Juan’s very own Annual Historic Melodrama. It also has had its share of villains and heroes in its early days just the same as it does now. Early history of San Juan Capistrano was closely linked to Rancho Mission Viejo as the cattle grazing on the vast acreage were a major a revenue source for the area. The Playhouse partnered this year with the Ranch to include Plein Air artwork from sites on the ranch rarely seen by the public. This artwork on exhibit at the Playhouse recognizes the importance of the ranch to our history and to our future. Enjoy the visual arts and performing arts as the Playhouse presents San Juan’s Dirty Laundry. This newest version of the play updates the roles of the real heroes and villains of the Modesta Avila story. It’s the tale of the young woman who fought for justice against the railroad with her clothesline!

Family friendly performances are February 19th through March 6th CaminoRealPlayhouse.org.

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DAILY • 6AM - 3PM 39

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Purchase one entree plus 2 beverages at regular price and receive 50% off 2nd entree of equal or lesser value. Not valid on weekends or holidays or with any other coupon, specials or private groups. Limit 1 per coupon, 1 per table. Valid only Mission Viejo location.

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Soka Performing Arts Center, Aliso Viejo Season 2015-16 TAIMANE AND KALEI WORLD TOUR

CRITICAL CONVERSATIONS@SOKA PRESENTS AN EVENING WITH HENRY ROLLINS

Saturday, February 6, 2016@3pm Celebrating 100 years of Ukulele Legacy, Kamaka Ukulele artists Taimane Gardner and Kalei Gamiao are at the forefront of today’s ukulele revolution. Taimane, who picked up her first ukulele at the age of 5, is right at home fingerpicking through Bach, or radically ripping through Led Zeppelin. Their tour is in recognition of the 100th anniversary of Kamaka Ukuleles.

Presented in collaboration with the Soka University MA in Educational Leadership and Societal Change -- Wednesday, February 17, 2016@7pm Henry Rollins Actor, author, DJ, voice-over and spoken-word artist, TV and radio show host, former frontman for Black Flag and the Rollins Band will ignite ideas and conversation about work, war, education, race, politics and peace. And whatever else is on his mind.

INTERNATIONAL GUITAR NIGHT

KENNY BARRON TRIO

Saturday, February 13, 2016@8pm For their 2016 North American Tour, IGN founder Brian Gore will be joined by three of Europe’s finest acoustic guitarists: Gypsy Jazz legend Lulo Reinhardt, contemporary finger style innovator Mike Dawes and multi-genre showman Andre Krengel.

Friday, February 19, 2016@8pm Honored by the National Endowment for the arts, as a 2010 Jazz Master, Kenny Barron has an unmatched ability to mesmerize audiences with his elegant playing, sensitive melodies and infectious rhythms. The Los Angeles Times named him “one of the top jazz pianists in the world” and Jazz Weekly calls him “The most lyrical piano player of our time.”

Come early for Dinner! Soka Bistro is open for dinner 5:00 -7:30 pm; Sat. & Sun. 5:00 -7:00 pm. Only $11.25 for an All-You-Can-Eat- buffet! Box Office: 949.480.ART (4278) — tickets@soka.edu Box Office Hours Monday – Friday: 10:00 – 2:00 pm Box Office will open 1 hour prior to scheduled performance times on performance days. FEBRUARY 2016

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February Events Guide

Dining & Entertainment gan — to the poetry of “Lux Aeterna,” enjoy the splendor of the William J. Gillespie Concert Organ. Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

FEBRUARY 2

The IllusionistThe Illusionist is coming to captivate Orange County. This mind-blowing spectacular showcases the jaw-dropping talents of five of the most incredible illusionists on earth. Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

FEBRUARY 3

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

FEBRUARY 4

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.

FEBRUARY 5

Organ Splendor Two of the world’s finest organists deliver music filled with sublime beauty, luminous textures and sacred spirit. From the glory of “Pilgrim’s Hymn” — performed at funerals for Presidents Ford and Rea-

FEBRUARY 6

San Juan Capistrano Car Show The classic, new and exotic will headline this popular fundraiser, which promises a fabulous display of some 400 antique and classic cars and trucks. San Juan Capistrano Community Center / Sports Park. 25925 Camino Del Avion, SJC 92675

FEBRUARY 7

Orange County Wine Tasting Cruise Golden Lantern St , Dana Point, CA 92629. 5:30pm-7:00pm Admission: $49 per person (21 & over) Every Sunday, Friday.

FEBRUARY 8

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

FEBRUARY 9

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

FEBRUARY 10

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 FEBRUARY 2016

Taste of San Juan Help launch the kick-off celebration of the Fiesta de las Golondrinas at The San Juan Hills Golf Club. From 6 pm to 9 pm. Live! at the Museum Laguna Beach Live! And the Laguna Art Museum are partnering to present an evening of art and music on the second Thursday of each month. Laguna Beach Live! brings in talented musicians to perform classical and contemporary chamber music, 7:00 to 8:00pm.

FEBRUARY 1

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

FEBRUARY 11

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FEBRUARY 12

Les Ballets de Monte- Carlo Choré is a full-length ballet of epic scope that casts a fresh, provocative light on Hollywood musicals by setting their evolution against a turbulent historical backdrop. Tears and laughter, hope and fear, war and peace are evoked in a ballet that stirs the mind as well as the heart. Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

FEBRUARY 13

Laguna Beach Music Festival This festival is dedicated to artistic excellence and innovation, featuring an internationally acclaimed Mentor Musician or Ensemble along with other talented artists in a week long blend of performances and education. Located at Seven Degrees. 891 Laguna Canyon Rd, Laguna Beach. Art Crawl Experience - Anaheim Art Crawl Experience or simply “ACE”, an auditory explosive art walk and arts festival has been acclaimed by local artisans as the Downtown Anaheim Arts District. During the evening of an ACE, attendees stroll amongst outdoor permanent art fixtures, such as Peter Shire’s illuminated birdhouse sculptures, to discover artists demonstrating their creative process live for curious onlookers. Location: The crawl stretches from Anaheim Blvd., to Harbor Blvd. and along Center Street Promenade. Art lovers can walk, crawl or climb aboard the Anaheim Resort Transit (ART) for complimentary


FEBRUARY EVENTS GUIDE rides throughout Anaheim’s Art Crawl Experience.

FEBRUARY 14

Valentine’s Day Dinner February 13-15, 2015 5 pm to 10 pm. Saturday, February 14 Special Valentine’s Day 4 Course Menu Price: *$95 per person - $125 with wine pairing. Live entertainment. Laguna Cliffs Marriott Resort & Spa’s Vue Restaurant, Dana Point.

FEBRUARY 15

Happy Hour at Brio Tuscany Grill Half Price Appetizers and Wine. 24050 Camino Del Avion, Dana Point. 3:306:30pm.

musical in a long time” (USA Today). . Segerstrom Center for the Arts. 600 Town Center Drive, Costa Mesa.

FEBRUARY 19

HB DOWNTOWN ART WALK The Huntington Beach Downtown Art Walk is held on the 3rd Thursday of each month from March to October held from 6-9pm. Between 35 - 50 artists fill the sidewalks on Main Street between PCH and the Art Center and also on The Strand. Check in at the HB International Surfing Museum Parking Lot for a map of artists and locations so you can begin your self-guided tour. 6-9pm. Main Street & The Strand 315 3rd Street, Suite E. Huntington Beach

FEBRUARY 20

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.

FEBRUARY 16

Irvine Farmers Market Affiliated with California Federation of Certified Farmers’ Markets. The certified farmers market concept is an effort to re-establish the traditional link between farmers and consumers in California. Irvine Kaiser Permanente 6670 Alton Parkway, Irvine. 9 AM - 1 PM

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. 9am1pm. 27068 La Paz Road, Aliso Viejo.

FEBRUARY 22

FEBRUARY 17

Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce and regional artisans are featured. Noon6 p.m. Capo Beach Church, 25975 Domingo Ave. Capistrano Beach.

FEBRUARY 18

FEBRUARY 21

Wicked WICKED is “Broadway’s biggest blockbuster” (The New York Times). Long before that girl from Kansas arrives in Munchkinland, two girls meet in the land of Oz. One—born with emerald green skin—is smart, fiery and misunderstood. The other is beautiful, ambitious and very popular. How these two grow to become the Wicked Witch of the West and Glinda the Good makes for “the most complete—and completely satisfying—

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

FEBRUARY 23

Surf City Nights is a Weekly Street Fair and Certified Farmers Market Every Tuesday from 5 pm to 9 pm, 90 vendors presents unique handcrafted wares: furniture, jewelry, art, clothing, live music, street performers, community groups and kids’ activities.

FEBRUARY 24

Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce and regional artisans are featured. Noon6 p.m. Capo Beach Church, 25975 Domingo Ave.

FEBRUARY 25

Independent Visions: Women Artists of California, 1880-1940 The exhibit celebrates the work of California’s historic women artists. The independence of California’s women artists is demonstrated by the wide variety of artistic styles displayed in the exhibition. The works vary from classically-inspired portraits and still-lifes to bold Modernist paintings that document the progressive trends of our women painters. The Irvine Museum. 18881 Von Karman Ave STE 1275. Irvine. From: 11:00 AM to 5:00 PM Tuesday-Saturday

FEBRUARY 26 & 27

Chocolate Decadence & Pechanga Wine Festival – Temecula Hundreds of wine varieties, sweet and savory chocolate confections, gourmet food samples from acclaimed Pechanga Resort & Casino restaurants, live music, a silent auction and helping out a good cause are all on the agenda for February 26 and 27 at Pechanga Resort & Casino. Chocolate Decadence on Friday, Feb. 26 features more than 30 wine varietals shown to masterfully partner with chocolate and other sweet desserts. The event runs from 7 p.m. to 10 p.m. and is $55 per person. Tickets include a souvenir wine glass, unlimited two ounce samples of wine and spirits, chocolate and confection tasting, live music and silent auction. Wine enthusiasts can sip and explore new selections at the 8th annual Pechanga Wine Festival from 1 p.m. to 5 p.m. on Sat, Feb. 27. Tickets are $65 and include a souvenir wine glass, unlimited two ounce samples of wine and spirits, gourmet food and dessert samples from Pechanga’s acclaimed chefs, as well as others in the Temecula Valley, live music and silent auction. For tickets or more information, visit the Pechanga Box Office, call (877) 711-2946 or visit www.Pechanga.com/ Entertainment. Proceeds from both events benefit Habitat for Humanity Inland Valley. Guests must be 21 or older to attend either event.

FEBRUARY 28

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.

Have an event to showcase? Email sara@sorbetsocal.com FEBRUARY 2016

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Credits : Pascal Ratthé

The Fairies

Cavalia - Odysseo arrives this month under the White Big Top in Irvine The new theatrical adventure by the internationally acclaimed entertainment company Cavalia to be presented under the White Big Top at the junction of the I-405 & the SR-133 (with performances beginning Wednesday, February 3), Odysseo is a $30 million extravaganza that expands the definition of performance into an epic and soulful experience that is astonishing audiences and wowing critics across North America.

D

captivated and touched by the splendour created in front of their eyes.

ouble the size of Cavalia’s eponymous creation which enjoyed a very successful run in Irvine back in 2007, Odysseo is a show unlike any other featuring 65 horses and 48 riders, acrobats, aerialists, dancers and musicians in a soulful and touching journey around the globe, celebrating the bond between the two species. The horses are the heart and soul of every Odysseo performances. These magnificent animals play in complicity and with freedom, in a symbiotic and respectful relationship with their human co-stars, charming and fascinating everyone who has the chance to witness this moving artistic and emotive partnership. The liberty number, when purebred Arabian horses are directed only by the soft murmurs of their trainer, and the fabulous caravan act that comprises people and horses too numerous to count, will leave every spectator

Deploying their extraordinary talents, the acrobats present an amazing mix of force and sensitivity, interacting with the spellbound audience, while the live musicians and vocalist perform in the most enthralling way to immerse spectators of all ages in a beautiful sensorial experience they will remember forever. Whether it is the dexterity of the African acrobats, the enchanting sound of the Kora, or the majestic life-size merry-go-around, the cast and set of Odysseo are inspired and inspiring, delivering crowdpleasing wonders and stunts.

Credits : Dan Harper

The mindboggling theatrical effects are as spectacular as they are numerous: a state-of-the-art video screen three times the size of the world’s largest cinema screens, a threestory mountain for dazzling perspectives, and a real lake made of 40,000 gallons of recycled water which magically appears for a splashing finale. The layers of mesmerizing decor make the audience part of the action while the gigantic stage takes everyone’s breath away. Odysseo’s technological and scenographical effects create places no one has ever seen before; places where one can feel the deep connection between horse and man. For more information or to purchase tickets, visit www.cavalia.net

The Great Adventure FEBRUARY 2016

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Classes around OC:

Arts & Crafts, Entertainment, Fitness and More! Community & Susi Q Center

Restorative Yoga with Roz – Tues 7 pm- 8 pm Cardio Hip Hop Wed 6:45 pm- 7:45 pm

*Yoga/Mat-Pilates – Fri 1:30 pm - 2:45 pm *Bead Weaving Class Fri 10 am - 11:50 am

*Gentle Yoga Class Wed 11:30 am-1 pm *Int./Adv. Watercolor Thu 1 pm - 4 pm *Yoga Fitness Mon 9 am - 10 am

Laguna Woods Village Community Center

Lakeview Senior Center Woodbridge Community Park

PC Computer Workshop - Mon 10 am- 4 pm & Sat 10 am- 1pm Table Tennis (Novice) Th 9 am-10 am Table Tennis (Intermediate) Tues 1 pm-2 pm Table Tennis Robot Lessons Mon 2 pm- 3 pm

*Intermediate Chair Exercises Fri 9 am – 10 am *Intermediate Chair Exercises Mon 9 am -10 am *Beginning Chair Exercises Tues 9:30 am -10:30 am *Beginning Chair Exercises, Weds 9 am-10 am *Country Line Dance Mon 10:30 am - 11:50 am *Country Line Dance Thu 9 am-10:20 am *Country Line Dance Fri 10:30 am - 11:50 am *Creative Writing Weds 1 pm - 3:50 pm *Piano- Beginning Mon 11 am – 2 pm *Piano- Intermediate Mon 2 pm-5 pm *Watercolor Painting (Beginning) - Fri 9 am- 12 pm

380 Third Street Laguna Beach (949) 497-2441

Florence Sylvester Memorial Senior Center 23721 Moulton Parkway Laguna Hills (949) 380-0155 *Bead Weaving – 10 am - 11:50 am

Norman P. Murray Community and Senior Center 24932 Veterans Way Mission Viejo (949) 470-3062

Park Walks Mon-Wed Fri at 8 am Outdoor Tai Chi (Basic Beginning) - Mon 9 am Croquet competition Tues 9 am Playground with Grandkids Weds 9 am Lawn Bocce Ball - Thurs 10 am Singles Evening Stroll Fri 6 pm

Bell Tower Community Center 22232 El Paseo Rancho Santa Margarita (949) 216-9700 Zumba with Tania Mon 7 pm – 8 pm Zumba with Tania – Wed 7 pm – 8 pm AM Yoga with Roz Mon 8:30 am - 9:30 am AM Yoga with Roz Fri 8:30 am - 9:30 am PM Yoga with Roz Tues 6 pm- 7 pm

24351 El Toro Rd Laguna Woods (949) 597-4267

20 Lake Road Irvine (949) 724-6900

Leisure World Community Services 24351 El Toro Rd Laguna Woods (949) 597-4659

Fitness Center - Mon, Weds and Fri from 6 am – 5 pm Tues and Thu from 6 am – 7 pm Sat from 6 am – 2 pm

City of Lake Forest Senior Center 25550 Commercentre Drive Lake Forest (949) 855-9444

Anaheim Senior Center

B-I-N-G-O - Th 10 am-2 pm Foot Peddlers Walking Club Mon 10:30 am Senior Bowling League at Forest Lanes Fri 1 pm- 3:30 pm

Rancho Senior Center 3 Ethel Coplen Way Irvine (949) 724-6800

* Aerobic Strength And Pilates - Tues 2:30 pm - 3:45 pm * Aerobic Strength And Pilates - Th 12 pm-1:15 pm FEBRUARY 2016

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Tone Chime Choir Wed 12 noon Dapper Tappers - Fri 10:00 am Genealogy (Intermediate) - Last Monday of each month 3 pm Hatha Yoga - Tues 10 am Line Dance Tues 9 am & Wed 8:45 am Physical Fitness Tues 2 pm & Thu 9 am Spanish (Beginning) Tues 8:30 am Spanish (Beg & Inter) 9 am & 10 am Tai Chi - Mon 9 am Watercolors - Mon 11 am Friendship Luncheon - 2nd Tues of each month 12 noon Membership Luncheon last Sat 12:00 noon Membership Office Tues & Thu 9 am – 3 pm Movie Day - 1st Weds of each month at 1 pm Pinochle Sun 12 pm & Tues 5 pm Pool Room - Mon – Thu 9 am to 4:45 pm, Fri 11 am to 4:45 pm & Sat 11 am to 3:45 pm Senior Lounge - Mon – Fri 9 am to 4:55 pm & Sat 11 am to 4 pm Table Tennis Open Play – Thu 9 am – 5 pm Volleyball Mon 7:45 pm & Wed 8:30 am

250 E. Center St Anaheim (714) 765-4510

Orange Senior Center

Billiards - Mon – Thu 9 am - 4:45 pm, Fri 11 am – 4:45 pm & Sat 9 am – 3:45 pm Bingo – Thu 1 pm & Sat 12 noon Bobble Ball Practice - Fri 9 am Bridge Duplicate Sun 1 pm & Wed 12:30 pm Bridge Open - Wed 9 am Bridge Party - Tue 12 noon Bunco - 4th Fri 1 pm Canasta - Mon & Fri 1 pm Crocheting - Tues 8 am Dominoes - Fri 5:30 pm Balance & Mobility Tues & Thu 12:30 pm

Bingo - Daily at 9:15 am (except on party days) Live Entertainment - Mon, Th and Fri 10:30 am – 11:30 am. Bridge Mon, Tues and Wed at 1 pm. Chess - Tues 1 pm. Scrabble - Thu 1 pm. Backgammon - Thu 1 pm. Bible Sharing - Thu 10 am. Stamp Club - Weds 9 am. Computer Workshop - Fri 9 am.

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170 S. Olive St. Orange (714) 538-9633

* Registration Required


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

www.PenceWealthManagement.com

RETIREMENT PLANNING

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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.


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