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THE THREE MOST EXPENSIVE REPAIRS OWNERS MISS WHEN SELLING THEIR HOME By Joseph Callaway, items shutting everything down. The Those Callaways last thing you want is for something

The number one question sellers not work when the buyer’s inspector ask is – “What do I need to do to measures the temperature split. When get the house ready?” The answer this happens, the buyers often ask pretty much depends on the house for new units, costing thousands of and the best answers will come from dollars. While you’re at it, change all meeting early in the process with your the filters. It’s just good psychology Realtor. There are so many decisions when that inspector is poking around to be made and often the agent arrives your home. It sends a message of after money has been misspent. How- good maintenance rather than deferred ever, there are some things you should maintenance. do regardless. 1. Have a roof inspection. In fact, it you should alleviate is water problems. might be a good idea to have more Fix any leaks. Clean any rust or calcium than one to weed out the unneces- stains. If you have a pool, make sure the sary work. Roof inspections are free cleaning and filter systems are working. because this is how roofers get work. A pretty blue pool is one of your big Once you have knowledge of your selling points and when a buyer sees roof’s condition, you can make a deci- problems, they want them fixed. Don’t sion on what to do, or you might wait forget the sprinklers and bubblers. If to get your Realtor’s opinion. At least they are messing up the windows every when you ask your Realtor, they will time they go off, potential buyers will have this knowledge as well. An agent have misgivings about the stains on the knows from experience what a buyer glass. might ask for once you’re sold and in escrow. A good way to judge would be This list is by no means everything to to ask yourself if you were the buyer consider when selling your home, but it – what would you feel about a new or is a good start. Just be sure to seek good repaired roof versus a bad roof? If the advice. A real estate professional can roof is bad, you can always wait and make or save you thousands of dollars face it later when the buyer has had in the sale of your home. their inspection and then negotiate. small to make the air conditioner 3. The third big worry buyers have that Or, you can have the work done and Those Callaways use the new roof as a selling point to are an indepenjustify your price. Either way, get that dent real estate inspection done now so that you know brokerage with what you are dealing with. 23 years of experience buying and 2. Have your air conditioning and selling homes in heating units serviced. These sys- the Magic 85254 tems are vulnerable to the smallest ZIP Code.

NOVEMBER 2019 MARKET SUMMARY 85254

Median Estimated Home Value $513,920 12-Month Change in Median Estimated Home Value +4.7% Median Sales Price $520,000 Median Listing Price $579,900 12-Month Change in Median Listing Price +16% Median Days on Market 50 12-Month Change in Median Days on Market -3.8% *Statistics Provided by RPR

BUILDING PEACE OF MIND: LUNA AZUL OPENS IN NORTH PHOENIX

By Molly Cerreta Smith

Phase One of Luna Azul opened in October of last year, but this beautiful utopian pocket neighborhood is one man’s dream 10 years in the making. Mark Roth, founder and project developer of Luna Azul, and his wife initially began dreaming of a future home for their daughter, who has a rare disability.

“We looked at the choices that existed and realized that there really weren’t any that provided what we wanted for our daughter. From the planning, security, construction, technology… it just didn’t exist.” So Roth decided to create it.

Roth says that he chose the location because it was central to all areas around the valley as well as in proximity to many of the vocational services, volunteer opportunities, social activities and entertainment that are so important to this community.

Luna Azul is called a ‘pocket neighborhood’ which is defined by their cottage-size homes, large front porch/patios and homes that are built around a central area — such as a common green space — and that face one another. “This type of neighborhood is built to encourage a sense of responsibility for the community’s shared spaces and to encourage socialization among residents.”

Another important element of this 30home pocket neighborhood is that it allows residents to live independently, with a family member or caregiver and to be in charge of their own caring services. “With most group housing scenarios, the care is bundled. However, we were very deliberate about not offering caregivers on staff,” says Roth. “Each resident and their families are in charge of bringing in the services they want or need. This was very important to us and we’re not aware of another solution like this in the country.” With that in mind, the 2,500-square foot community clubhouse serves as a hub of the neighborhood with regular activities and even events where the surrounding neighborhoods are invited to join. “We want the surrounding neighborhoods to be included and families to feel welcome. We were very careful not to build an institution. We’ve built a first-class resort-style community designed specifically for people with disabilities,” says Roth. “The primary force was to create an environment where our daughter could develop friendships and have a social life. I want her to be included in activities and life in a place where people know her, where people are looking out for one another and where disability is expected.”

The 4.5-acre development has its own Community Association, which provides heightened attention through 24/7 on-site monitoring by a team of Community Coordinators who also organize a full calendar of social activities for residents and their guests — and encourage residents to come and join the fun.

Luna Azul’s first phase of 14 cottagestyle homes are available and on-track to sell-out by year-end. Construction of the second phase of 16 new homes is expected to begin in early 2020, with completion of the full development slated for fall 2020.

For more about Luna Azul, visit www. lunaphx.com.

Helping adult kids without harming your own financial future

Would you be willing to delay your take financial responsibility when they can do so. retirement to help your child pay for their Your college-bound son or daughter may be able to first car, college education or wedding? take out student loans at a low interest rate, which Increasingly a lot of Americans say the answer will reduce or eliminate the amount you need to is yes. According to a recent study published by contribute for tuition. Instead of writing a check to Ameriprise Financial, 1 in 3 parents say they have help your child buy a car or house, you might codelayed or are willing to delay their retirement to sign on a loan to help them lock in a lower-interest help pay for their children’s college education1. And rate or more favorable repayment terms. the financial support often continues in adulthood – Have conversations about money. Your parents also help their adult children pay for major willingness to talk about your finances is a valuable milestones such as their first home and weddings, example for your adult children. So too is your sometimes at their own detriment. attention to your retirement savings. I encourage

As a financial advisor, I help families grapple with parents to invite their adult children to attend a this kind of financial quandary. Here’s the advice I financial planning session with a financial advisor. offer parents who want to give their adult children It’s a time to address money concerns and explore a financial head start without harming their own how actions today can affect your future finances. financial future:

Prioritize saving for your own retirement. It takes 1 The Modern Money study was created by Ameriprise many years to accumulate the savings you need Financial, Inc. and conducted online by Artemis Strategy to retire comfortably. Your children are likely just starting their careers, while your time remaining Group December 11-25, 2018 among 3,008 U.S. adults between the ages of 30-69 with at least $100,000 in investable assets. For further information and details about in the workforce may be limited to 5, 10 or 15 the study, including verification of data that may not be years. Putting yourself first isn’t a selfish move. It’s published as part of this report, please contact Ameriprise about being wise with your money. If you make it a Financial or go to Ameriprise.com/modernmoney. priority to have enough saved when you retire, your kids won’t have to worry about providing you with THIS IS A PAID ADVERTISEMENT. financial support later in life. Renee A. Hanson, CFP®, ChFC®, CEP®, CDFA®, CFS®,

Be strategic with your financial gifts. Like other BFA®, APMA®, is a Private Wealth Advisor with Affinity Wealth monetary goals, it’s important to add gifts of cash Advisory Group, a private wealth advisory practice of Ameriprise to your overall financial plan. When you treat cash Financial Services, Inc. in Phoenix, Arizona. She specializes in gifts separately, you shortchange other priorities such as retirement. What will it cost you to divert fee-based financial planning and asset management strategies and has been in practice for 28 years. To contact her visit www. affinitywealthadvisor.comor call (602) 923-9800.Her office savings from your retirement plan? With a complete is located at 7010 E. Chauncey Lane, Suite #200, Phoenix, list of financial priorities, you can see how much AZ85054-3115. you need to save to reach them all. Investment advisory products and services are made available Putting the needs of clients first is the approach I believe in. I’ll work with you to find Consider alternate approaches to helping your kids. There may be ways to help your kids other through Ameriprise Financial Services, Inc., a registered investment adviser. Ameriprise Financial Services, Inc. Member FINRA and SIPC.the right financial solutions to help you plan for your unique goals. And together, we’ll than by dipping into savings. Encourage them to © 2019 Ameriprise Financial, Inc. All rights reserved.track your progress over time, adjusting your plan along the way to help get you where you want to go.

Renee A. Hanson CFP®, CEP®, CDFA®, CFS®, ChFC®, APMA®

Private Wealth Advisor

Affinity Wealth Advisory Group

A private wealth advisory practice of Ameriprise Financial Services, Inc.

602.923.9800

7010 E. Chauncey Ln Ste 200 Phoenix, AZ 85054 renee.a.hanson@ampf.com affinitywealthadvisor.com

Ameriprise Financial Services, Inc. Member FINRA and SIPC.