Hickory Living February 2024

Complimentary February 2024

On the Cover

A Partner with Integrity Dedicated to Your Prosperity page 10 HICKORY LIVING • FEBRUARY 2024

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contents

FEBRUARY 2024 MacAdam Smith

FEATURES

Publisher mac@oasisluxuryhomes.com (484) 769-7445

10 • COVER STORY Thayer Financial A Partner with Integrity Dedicated to Your Prosperity

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16 • BUSINESS SPOTLIGHT Killians Your Hometown Hardware for Years to Come

IN THIS ISSUE

Kathy Wheeler Design & Advertising Sales kathylivingmagazine@gmail.com (828) 238-3224

6 • Welcome to the February Issue 20 • Unique and Thoughtful Valentine’s Day Gift Ideas 22 • Embracing a Heart-Healthy Lifestyle

Sharon Simpson Advertising Director sharon@lncurrents.com (704) 677-9159

20 Hickory

LIVING 10225 Hickorywood Hill Ave., Unit A Huntersville, NC 28078 (484) 769-7445 HickoryLiving@gmail.com

www.HickoryLivingMagazine.com 4

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Hickory Living reserves the right to deny any advertisement or listing. Submissions are welcome, but unsolicited materials are not guaranteed to be returned. Hickory Living assumes no responsibility or liability for the information, services, products, claims, statements, accuracy, or intended or unintended results of any advertiser, editorial contributors, company, professional corporation, business or service provider herein this publication. All rights reserved.

Reproduction in whole or in part without written permission from the publisher is prohibited.

contributors

CONTRIBUTING WRITERS Amy Casil • Kathy Wheeler Kathy Dicken

COVER PHOTOGRAPHY

By Shane Greene Photography ©iStockphoto.com | NYS444

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Welcome to the

February Issue!

By Kathy Wheeler

©iStockphoto.com | FedBul

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ebruary is all about matters of the heart with American Heart Month and Valentine’s Day. In this issue, you will find an informative article on page 20 to help you live a heart-healthy lifestyle. It takes a commitment to establish good habits, but your health will thank you for your efforts. Valentine’s Day is on Wednesday the 14th. If you’re in need of gift ideas, we have you covered on page 22.

way toward a successful and mutually fulfilling bond. I can’t think of a better time to spend improving and celebrating your relationship than Valentine’s Day!

February also honors Black History Month, highlighting African American heroes who shaped our nation.

Figures like Harriet Tubman, who escaped slavery and played a crucial role in the Underground Railroad, or Martin Luther King, Jr., a civil rights Speaking of heart health, don’t underleader. Bessie Coleman, the first African estimate the impact your relationships American woman with an international have on the health of your heart. Where pilot’s license in the 20s, also left an good relationships can contribute to indelible mark. Their resilience and your happiness and feelings of security, contributions have made our country a stressful relationships are taxing on your better place. Spend this month brushing emotional well-being and your heart. up on American history reading about Spend time with your partner making these heroes and others’ sacrifices and sure you are both heard and represented achievements. A quick online search in the union. Don’t let disagreements will give you a list of websites where linger where resentment can grow. Good you can learn more about these amazcommunication and respect goes a long ing Americans.

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Thayer Financial is this month’s cover story. Co-owners Deaton and Kelly Smith, a husband and wife team, are dedicated to optimizing your financial wealth while minimizing your tax burden. Dive into their story on page 10.

Our business spotlight features Killian’s Hardware, a family-owned business that has spanned four generations. They have been serving their community for over 70 years with great products, service, and a commitment to continue their legacy for future generations. You can read their feature on page 16.

If you are looking for some local fun this month, attend a production at the Hickory Community Theatre or The Greene Room Community Theatre, or enjoy a concert at The Premier.

Thank you for reading the February issue of Hickory Living.

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on the cover

A Partner with Integrity Dedicated to Your Prosperity

By Amy Casil | Photos by Shane Greene Photography

When you trust someone to be your partner in prosperity, you want them to value duty, honor, integrity, and loyalty. If you’re often putting your life’s savings, your livelihood, your financial future, and ultimately, your trust in this person— it should be the right person.

Thayer Financial, a local boutique wealth management firm, is helping individuals in all stages of life achieve their financial goals through full-service financial planning and wealth management services. I recently interviewed Deaton and Kelly Smith, a dedicated husband-and-wife team at Thayer Financial. As fiduciaries, they are unwavering in their com10

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mitment to always act in their client’s best interests, ensuring that every decision and action aligns with this core principle.

A Four-Part Commitment from Thayer Financial In the world of finance, few things are certain. But by working with Thayer Financial, you can count on four things to be true 100% of the time.

First is Deaton and Kelly’s commitment to their client’s well-being. “Our advisory approach is deeply personalized to ensure our clients have the best chance of reaching their goals,” Deaton said. Second is total transparency in all rec-

ommendations, meaning the advice you receive is untainted by the conflicts of interest typical in commission-based models.

The third certainty you can count on with Thayer Financial is investment advice that is 100% in your best interest 100% of the time. Finally, you can rest assured that by working with the team at Thayer Financial, you are entering “a partnership for life that allows Thayer to be your partner in prosperity,” Kelly said.

What is Financial Planning, and Who Can Benefit from it?

Deaton and Kelly believe financial planning is “an ongoing process, not a one-time event,” Deaton said. “Ultimately, it can help establish clear financial goals, uncover unknown risks, optimize wealth accumulation, and help create a lasting legacy.” Thayer Financial’s planning process evolves with clients, aligning with market and tax law changes.

While everyone can benefit from working with a CFP® professional, Thayer Financial focuses on families with complex needs, particularly those entering retirement. “We are known for working with families that have attained a level of wealth or income where their needs go beyond just investment support. Our clients are typically couples entering retirement, equipped with ample wealth, and seeking guidance to convert it into a steady income, but also want to avoid getting crushed in taxes,” Deaton said. The firm’s services are also tailored for business owners and high-earning professionals who have “a level of complexity to their tax situation and need help developing strategies to minimize their tax burden and continue building wealth,” Kelly said.

How Does Thayer Financial Assist with Retirement Planning?

Whether retirement is 20 or two years away, Thayer Financial can help you with your retirement planning process. “Retirement is only half-time of the game, and the second half of the game (retirement) is a lot more treacherous than during the accumulation stage,” Deaton said.

Planning addresses not only how retirees spend their time but also threats like the rising cost of goods and inflation. Thayer Financial ensures clients will have “an investment strategy during retirement that maintains your purchasing power over the course of your 30+ year retirement,” Deaton continued.

“In the second half of retirement, the IRS becomes a player, and they are trying to do everything they can to get as many tax dollars as possible,” said Deaton. Thayer Financial stresses the importance of working with a financial adviser well-versed in tax strategies to optimize savings and investments, as retirement brings unique challenges compared to the accumulation stage.

Photos:

On the cover–Deaton and Kelly Smith, co-owners of Thayer Financial Opposite page–The Thayer Financial team–Alison Teague, Kelly Smith, and Deaton Smith Pictured above– • Deaton, in the role of lead advisor, focuses on developing and implementing financial strategies.

• Kelly, director of operations, ensuring the firm operates smoothly and efficiently.

• Alison, client service manager, handling the day-to-day aspects of the business.

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Photos:

Left–Deaton discussing key financial concepts for retirement planning Below–Deaton Smith, a combat veteran and West Point graduate

What Will I Receive in Thayer Financial’s Retirement Planning Process?

When you work with Thayer Financial, you’ll be able to “keep more of your earnings for your family rather than giving it to the government” and be able “to focus on the things that matter most, instead of worrying about your finances,” Kelly said.

Thayer Financial has developed its Prosperity 360 process to “tackle the evolving nature of our clients’ financial lives. Our unique process allows us to be hyperfocused on providing a world-class experience and delivering massive amounts of value to our clients daily,” Kelly said.

“During the accumulation stage, the IRS allows many opportunities to save money and lower taxes. But in retirement, the IRS code has rules that can cause retirees to pay massive penalties and excess taxes if not handled correctly,” Deaton shared.

Is It Ever Too Early to Plan for Retirement?

No matter how far off retirement may seem, starting early cannot be overstated.

By starting early and developing disciplined savings habits, individuals can ensure a secure and comfortable future.

“Taking advantage of compounding growth is crucial, which can significantly grow your savings over time. This might include employer-sponsored retirement plans like 401(k)s, IRAs, or other investment vehicles. Remember, the earlier you start, the more you benefit from time, allowing your investments to grow and providing a cushion against market fluctuations,” Deaton said.

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As part of their Prosperity 360 process, Thayer Financial coordinates tax returns with the clients’ CPA, reviews and shops their insurance policies (life, home, auto, etc.), reviews estate planning documents, and assists with employee benefit selections.

Thayer Financial is ready to be your partner in prosperity; visit www.thayerfinancial.com or call (828) 569-2785 to get started today. A team member will help you discern if they are the right fit for you.

If they aren’t, they’ll help you connect to someone who is.

Thayer Financial 828.569.2785 www.thayerfinancial.com

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business spotlight

Photos:

Left–The Killian Team Below–Jennifer Gott and Sharon Killian Radke, owners of Killians.

Opposite page–Killian’s team leaders Killian’s administrative staff–Sharon, Ally, Jennifer, and Jennifer Warren

H E R I T A G E

S I N C E

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customers and their families.

Your Hometown Hardware for Years to Come to“Weknow consider our customers family and friends and we always have room for more of those,” she said. “Our goal at Sharon Killian Radke and daughter Jen- all times is to provide the best quality nifer Gott, owners of Killians, employ products and service and do right by a knowledgeable and experienced team our customers.” that is customer oriented and supports their community. “We work with I recently visited Killians’ Facebook professional landscapers from Catawba page and their new social media marketand six surrounding counties and host ing manager, Ally Benge, is doing a great training each year so they can receive job highlighting specials, products, emthe credentials they need,” said Jenniployees, and generally having fun with fer. Killians supports select non-profit the staff. Follow them on Facebook and organizations, local churches, and high Instagram and get to know the Killians schools with annual leases for Toro team while enjoying entertaining and commercial mowers. They hold yearly informative content! customer appreciation events and hosts Santa each December for their future Killians has partnered with excellent customers. Many long-time custombrands like Toro, Stihl, Echo, Cub Cadet, ers bring their children and tell stories Peco, and recently Ventrac to offer the of visiting Santa at Killians when they best commercial and residential mowers were kids. “These are the kinds of traand lawn equipment available. They are ditions that never get old,” said Sharon. also a service dealer for most major small engine manufacturers such as Kohler, The hardware store is not the only Kawasaki, and Briggs & Stratton. thing that has spanned four generations, so have their customers. Sharon “Battery-powered equipment has told me that working in the business become very popular with residential while growing up allowed her to get homeowners. Battery units are easy to

By Kathy Wheeler | Photos by Shane Greene Photography

It always makes me happy to feature a family-owned business in Hickory Living. These businesses are so important to our community. Besides the economic benefits, they often reflect the values, traditions, and ethos of the local population, and create a sense of familiarity and community spirit that is irreplaceable. Killian’s Hardware is one of these businesses and a Hickory gem.

Out on Springs Road, the Killian family has been serving our community, its municipalities, their friends, and customers for more than 70 years across four generations. They are the perfect example of a family-owned business who has kept the values of previous generations and some of the fun, nostalgic traditions while expanding their technology, products, and services to stay on the cutting-edge of the times.

Each generation has improved on the practices of the one before them. It’s easy to see why their motto is “with purpose, commitment, and dedication, the best is yet to come.”

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use and require very little maintenance depending on the product,” said Jennifer. “At Killians we carry a full line of Toro and select Echo battery-powered products and of course we service everything we sell.”

Are you a first-time customer of landscape products or need help with other hardware sold at Killians? No problem! The staff has over 170 years of combined experience and can educate you on how to operate the equipment and teach you how to maintain your purchases.

In addition to new lawn equipment, Killians has the largest parts inventory in the southeast and offers commercial servicing within 24 working hours. They have a full line of hardware, plumbing, electrical supplies, and stock the highest quality of grass seeds, fertilizers, pesticides, and insecticides.

For a hometown experience with people who truly care about what you need, stop by Killians for a visit, a bag of oldfashioned popcorn, quality products, and friendly customer service. They are currently offering layaway for spring and have financing available!

3790 Springs Road, Hickory 828.256.2147 • www.killiansinc.com Open: M-F 7:30–5:00, Sat 7:30–12:00

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Valentine’s Day Gift Ideas

Valentine’s Day is a celebration of love and affection and the perfect occasion to express your feelings through thoughtful and heartfelt gifts. If you’re searching for the ideal present to give to your significant other, consider these unique and meaningful Valentine’s Day gift ideas that go beyond the conventional flowers and chocolates.

Personalized Keepsakes Nothing says “I love you” like a personalized gift that reflects the uniqueness of your relationship. Engraved jewelry, custom-made photo books, or personalized artwork that captures a special moment in your journey together may be the perfect gift. These keepsakes serve as lasting reminders of your love and create a connection to cherished memories.

Experience Gifts Move away from material possessions and gift your partner an unforgettable experience. Whether it’s a romantic weekend getaway, a hot air balloon ride, or a cooking class for two, sharing an experience can deepen your bond and create lasting memories. Choose an activity that aligns with your partner’s interests, and you’ll be giving the gift of quality time together.

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Subscription Services Surprise your loved one with a subscription service tailored to their preferences. Whether it’s a monthly book club, a wine or chocolate subscription, or a streaming service featuring their favorite shows, these gifts keep the joy of Valentine’s Day alive throughout the year. It’s a thoughtful way to show that you appreciate your partner’s interests and want to enhance their everyday life.

Thoughtful DIY Gifts For a personal touch, consider creating a do-it-yourself (DIY) gift that reflects your creativity and thoughtfulness.

Handmade gifts, such as a scrapbook of shared memories, a playlist of favorite songs, or a carefully crafted piece of art, showcase the effort and time you’re willing to invest in expressing your love.

Wellness and Self-Care In today’s fast-paced world, the gift of relaxation and self-care can be especially meaningful. Pamper your partner with a spa day, a massage gift certificate, or a set of luxurious bath products. This thoughtful gesture not only shows your love and consideration but also allows your loved one to unwind and recharge.

©iStockphoto.com | Prostock-Studio

UNIQUE AND THOUGHTFUL

Tech Gadgets For the tech-savvy partner, consider innovative gadgets that align with their interests. Whether it’s a smartwatch, wireless headphones, or a personalized device like a custom photo digital frame, technology gifts can be both practical and sentimental.

Plants and Flowers with a Twist While flowers are a classic Valentine’s Day gift, consider putting a unique spin on this tradition. Opt for potted plants that can thrive and grow, symbolizing the growth of your relationship. Alternatively, choose flowers with special meanings, like roses in different colors representing various aspects of love and appreciation.

This Valentine’s Day, go beyond the ordinary and choose a gift that truly resonates with your partner’s personality and your shared experiences. Whether it’s a personalized keepsake, an unforgettable experience, or a thoughtful DIY creation, the key is to show your love in a way that is meaningful and memorable. By putting thought into your gift selection, you’re not only celebrating the day but also reinforcing the strength and depth of your relationship.

Happy Valentine’s Day!

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Embracing a Heart-Healthy Lifestyle

©iStockphoto.com | Prostock-Studio

In a world filled with fast-paced living and sedentary habits, prioritizing heart health has become more crucial than ever. Cardiovascular diseases continue to be a leading cause of mortality globally, but the good news is that many of these conditions are preventable through adopting a heart-healthy lifestyle. In this article, we’ll explore key aspects of maintaining a heart-healthy lifestyle, encompassing diet, exercise, stress management, and overall wellness.

Dietary Habits The foundation of a heart-healthy lifestyle lies in making wise choices in the kitchen. Diets rich in healthy fats, lean proteins, fruit, vegetables, and whole grains are good for your heart. Embrace the Mediterranean diet, renowned for its heart-protective qualities. Incorporate omega-3 fatty acids found in fish, flaxseeds, and walnuts, as they play a vital role in reducing the risk of heart disease. Limit saturated and trans fats, found in fried and processed foods, as they can contribute to elevated cholesterol levels.

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Moderation is key, so keep an eye on portion sizes and be mindful of your calorie intake. Consider reducing sodium consumption to support healthy blood pressure levels. Experiment with herbs and spices to flavor your meals instead of relying on salt.

Regular Exercise Physical activity is a cornerstone of heart health. If you have medical issues, always check with your doctor before starting an exercise regimen.

Any exercise is better than none, so start where you are and work your way up to where you want to be as your endurance increases.

You want to alternate between moderate to high-intensity aerobic exercise.

Try to walk three or four miles per hour for 30 minutes a day, five days a week, or ride a bike. Alternatively, engage in 75 minutes per week of vigorous-intensity activities, like running or high-intensity interval training. Regular exercise helps maintain a healthy weight, lowers blood pressure, and improves cholesterol levels.

Incorporate strength training exercises at least two days a week to enhance muscle tone and boost metabolism.

Simple lifestyle changes, like taking the stairs instead of the elevator or going for a walk during your lunch break, can contribute significantly to overall cardiovascular fitness.

Stress Management We’ve all heard that stress will kill you. Chronic stress is not good for anyone and can lead to high blood pressure, taking a toll on your heart.

Develop coping mechanisms such as deep breathing, meditation, or yoga to manage stress effectively. Adequate sleep is also crucial for heart health; aim for 7-9 hours of quality sleep per night. Develop a regular routine of going to bed and getting up at the same time every day. Cut out screen time at least an hour before going to sleep and create a calm environment to improve falling asleep.

Avoid Unhealthy Habits Steer clear of tobacco and limit alcohol intake. Smoking is a major risk factor

for heart disease, as it damages blood vessels and raises blood pressure. Excessive alcohol consumption can also contribute to high blood pressure and heart failure. It’s better if you only drink occasionally or not at all. However if you are a daily drinker, women should limit their alcohol consumption to one drink per day and men to no more than two.

Regular Health Check-ups Regular health check-ups are essential for preventing and managing heart conditions by checking your blood pressure and ordering blood test to monitor your cholesterol levels and blood sugar. Address any abnormalities promptly with your healthcare provider to ensure early intervention and prevention of heart-related complications.

Adopting a heart-healthy lifestyle is a holistic approach that involves making conscious choices in your daily life. By focusing on a nutritious diet, regular exercise, stress management, and avoiding harmful habits, you can significantly reduce your risk of cardiovascular diseases. Embrace these lifestyle changes, and let them pave the way for a longer, healthier, and more fulfilling life. It’s never too late to start!

©iStockphoto.com | vectortatu

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