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Northeast Georgia Health System’s Health Perspectives podcast brings doctors, experts and community volunteers together for candid conversations and fresh perspectives on a range of health related issues.
As I prepared to write this article, I found myself reflecting on my career and clients over the years. “Am I Ready? And Can I Retire Confidently?,” are questions that are regularly asked by existing and perspective clients. However, the larger picture that came to mind was my responsibility and fiduciary role in the stewardship of my client’s retirement assets.
Assets that my clients have worked a lifetime to create and what those assets not only mean to them but their potential legacy. Additionally, I thought about the relationships I have had with clients over the years and what really mattered to them. The best way I can describe it is that money is just a vehicle. Just a way to get there, just like a jar of paint and a brush. Now, what “you” do with that jar of paint and brush is where the magic happens. The money, (the vehicle) matters of course, but it is really all about the painting that you create.
I reminisce about conversations that I have had with clients (friends) about some of the most personal things in their lives. The good times and the trying times. And for that
I am truly humbled. Those conversations develop over trust and because money is intertwined in all aspects of our lives. Being a financial advisor, is so much more than I could have imagined 20-plus years ago. Of course, it’s about Trust, Responsibility, Ethics, and Risk Management, but it is really about People. People that know that we care about what their Painting looks like.
Well, back to Am I Ready? and Can I Retire Confidently? In my professional opinion, going through the exercise of actually planning for Retirement and What Distributions look like is imperative. This process creates Peace of Mind, it creates direction and a map to follow. There are six key elements of one’s retirement that need to be considered Income Generation, Projected Expenses, Inflation, Healthcare Costs, Tax Planning, and certainly Risk Management. Our process “tests” your retirement strategy, anything but an “A” is not acceptable.
So how does this all come together, well Paint and Brushes cost money. What does your Painting look like? Is it time for a Conversation?
“It’s hard to see things when you are too close. Take a step back and look.”
- Bob RossInvestment Advisory Services are offered through JT Stratford, LLC.
Location! Location! Well maintained, immaculate ranch style home with 3 bedrooms, 1 full bath, 1 half bath and open kitchen/living room. Carport as well as 2 car garage/workshop behind the home. Garage already has electric and could easily be upgraded to additional living space. Flat lot with huge yard, storage shed and fence. Sought after Mill Creek Schools! Would make an excellent rental property or small business location. $405,000 Call Mary Ellen Heishman 770-598-2797 MLS/ID: 8489300
that fits your needs.
If you need home coverage, I can help. I live and work right here in our community. I know what the
If you’re ready to talk home insurance or need some advice about protecting all that’s important to you, call me today.
If you need home coverage, I can help.
MICHAEL SCHEIDERICH
770-268-4418 3509 BRASELTON HWY STE F-100 Dacula GA 30019 mscheiderich@allstate.com
MICHAEL SCHEIDERICH
770-268-4418
I live and work right here in our community. I know what the homes are like in the area. So I can offer advice you can trust to help you get the protection that fits your needs.
If you need home coverage, I can help. I live and work right here in our community. I know what the homes are like in the area. So I can offer advice you can trust to help you get the protection that fits your needs.
3509 BRASELTON HWY STE F-100 Dacula GA 30019 mscheiderich@allstate.com
If you’re ready to talk home insurance or need some advice about protecting all that’s important to you, call me today.
If you’re ready to talk home insurance or need some advice about protecting all that’s important to you, call me today.
MICHAEL SCHEIDERICH
770-268-4418
Proud to offer Good Hands® protection to our community
Office converted from a single family residence. Was constructed in 1914 and renovated in 2008 and updated again in 2017. Converted to commercial use; however, the large attic and main level floor plan would be perfect for conversion back to residential with not too much work. The showers in both bathrooms were removed so both restrooms would require addition of a bath or shower. It is a historic home; however, no restrictions are in place to update the home. This home has lots of character and is one of the older homes in town. It is rented to a business who is open to an extended lease if proposed. $285,000
GA 30019 mscheiderich@allstate.com
Proud to offer Good Hands® protection to our community
3509 BRASELTON HWY STE F-100 Dacula GA 30019 mscheiderich@allstate.com
Sanders Rd Northbrook, IL. ©2016 Allstate Insurance Co.
Allstate home products not available in FL, and may also not be available in certain areas of other states. Policies may be written by a non-affiliated third-party company. Insurance subject to terms, conditions and availability. Allstate Fire and Casualty Insurance Company & affiliates: 2775 Sanders Rd Northbrook, IL. ©2016 Allstate Insurance Co.
Proud to offer Good Hands® protection to our community
Proud to offer Good Hands® protection to our community
Allstate home products not available in FL, and may also not be available in certain areas of other states. Policies may be written by a non-affiliated third-party company. Insurance subject to terms, conditions and availability. Allstate Fire and Casualty Insurance Company & affiliates: 2775 Sanders Rd Northbrook, IL. ©2016 Allstate Insurance Co.
Gorgeous Napa Valley model on cul de sac street. 3 bedroom ,2 bath, family room with fireplace, sunroom, large gourmet eat in kitchen with kitchenaid appliances and quartz countertops, large laundry room, large primary suite bathroom and walk in closet. Flagstone hardscaping in front and rear porches and flower beds. Custom cabinetry with pull out drawers throughout. 2 full car garage with 4 ft extension and a golf cart garage. All this on a beautiful wooded lot with fenced backyard this in a premier 55+ community close to dining & shopping venues as well as medical and a hospital. Del Webb Chateau Elan has amenities galore. Lighted Tennis, pickleball and bocce venues, indoor and outdoor pools, huge clubhouse with meeting rooms, catering kitchen, library parlor, state of the art gym, yoga/Pilates room, craft flex room and more. A full time activities director and travel club assure a very active social life. Dozens of clubs and interest groups, literally something for everyone. Outdoor concert pavilion & lawn area. Outdoor covered grilling area pool side. Live like you are always on vacation. Community amenities include Pickleball, Tennis and Bocce courts, all lighted! Resort style pool, indoor heated pool, indoor and outdoor hot tubs, covered outdoor gathering and grilling space, outdoor pavilion for concerts etc., Huge state of the art clubhouse with meeting rooms, huge fitness center, aerobics studio, ballroom, kitchen, library/parlor, two sided fireplace, multiple flex rooms, full time activities director and more! Live like you are always on vacation! Gwinnett has very favorable senior school tax exemptions, check for your applicability. Lawn maintenance included in HOA dues. LOCATION, LOCATION, LOCATION. Don’t wait to build - make this your home today! NOTE: fenced yard requires an additional annual $265 fee to have inside fence maintained by HOA. $672,000 5657
Karen Spell 321-279-1384 MLS: 20077188
Hard to find ranch home with an open split bedroom plan. New flooring throughout, new gas cooktop, new dishwasher and microwave! The entry foyer welcomes you into the dining room to your left and then into the living room which features a cathedral ceiling and fireplace with a gas starter. The kitchen has stained cabinets, a gas cooktop, microwave and a stainless steel sink. The refrigerator that is in the garage will convey but was not put back in place after the new flooring went in as the buyer may want something different. The breakfast area has windows that overlook the private patio and backyard. There is an unfinished bonus room above the garage that is ready to be finished if desired or can be used as a great storage area. $368,00
Call Cindy Keller 404-663-4303
MLS: 10115733
Private ranch home with large front porch in the City of Flowery Branch. Come see this 3 bedrooms and 2 full bathrooms home! The large family room features a fireplace which is the focal point with stone to the ceiling. The kitchen is open to the eat in dining area, which opens up to the sunroom for additional entertaining space or a place to relax. There is a large laundry room with additional storage. New HVAC unit! Additionally, there is a shop area in the outbuilding as well as a place to house lawn equipment or other storage. $369,000 5441 E Main Street, Flowery Branch, GA
Angie Loving 404-444-1632
MLS: 10085603
Tony Funari 404.271.3710 MLS: 8239238 Page 17
office: 770-967-9889
Street Address
Close Date Days On Market
$749,900 $700,000 11/14/22 25 4326 Park Royal Drive $725,000 $705,000 10/03/22 30
4616 Midlands Green
4710 Bedford Glen $699,900 $699,900 09/28/22 29
Street Address
2728 Kelly Cove Drive
List Price Close Price
Close Date Days On Market
$739,000 $740,000 09/15/22 2
Street Address List Price Close Price
Close Date Days On Market
6742 Trail Side Drive $760,000 $700,000 10/28/22 41 6707 Trail Side Drive $760,000 $760,000 11/21/22 17 6714 Bonfire Drive $725,000 $725,000 11/30/22 6 7087 Boathouse Way $624,900 $629,900 09/26/22 25
7392 Regatta Way $585,000 $432,000 11/18/22 28 7414 Mockingbird Lane $575,000 $565,000 10/14/22 64 6883 Flagstone Way $565,000 $565,000 11/17/22 13
7227 Lake Sterling Boulevard $559,900 $535,000 09/23/22 8 7918 Sleepy Lagoon Way $525,000 $518,000 10/14/22 2 6947 Fellowship Lane $510,000 $505,000 11/30/22 5 6854 Scarlet Oak Way $460,000 $446,000 11/21/22 37 6915 Woodtrail Run $442,000 $430,000 11/10/22 30 7839 Brass Lantern Drive $425,000 $425,000 10/25/22 4 6519 Crosscreek Lane $425,000 $425,000 09/20/22 4 6375 Crosscreek Lane $419,500 $420,000 10/03/22 3 6834 Scarlet Oak Way $415,000 $394,250 10/20/22 32 6917 Creekstone Place $399,000 $375,000 10/21/22 41 6914 Creekstone Place $359,900 $350,000 11/29/22 75 6515 Crosscreek Lane $350,000 $350,000 11/18/22 15
Could you have heart disease and not even know it? Quite possibly, because while you might think all the symptoms are heart-related, some of them aren’t quite so obvious.
Heart disease isn’t a single condition. It’s actually a group of conditions all of which impact the heart and affect its ability to function. As a group, these conditions are the leading cause of death among Americans, contributing to one in four deaths.
In total, almost half of American adults have at least one type of heart disease. While you might think that chest pain and other directly heart-related symptoms might always be present with heart disease, that’s often not the case.
“One of the biggest misconceptions related to heart disease are the symptoms – or lack thereof – it causes,” says Laura Divoky, MD, non-invasive cardiologist with Georgia Heart Institute. “The early stages of heart disease are often silent, meaning it doesn’t cause
any noticeable symptoms, and, if it does, the symptoms are often attributed to something else entirely.”
Even if heart disease doesn’t cause many noticeable symptoms, it’s important to pick up on any subtle cues that may indicate your heart isn’t functioning at its best.
“We encourage each person to really pay attention to their overall health and how they’re feeling, noting any changes or abnormalities –big or small,” notes Dr. Divoky. “After all, you know yourself and health best, you’ll be able to pick up on changes earlier than anyone else.”
This may come in the form of insomnia, or an inability to fall asleep or stay asleep. You’re most likely to notice this symptom when it disrupts your normal sleep cycle. If you typically fall asleep easily and suddenly have a hard time drifting off at night most days, it’s a good idea to have the symptom checked out.
You’re familiar with this sensation; you’ve probably experienced it when getting up from a chair too quickly. If you’re feeling dizzy or lightheaded without a noticeable cause, it could be a sign your heart isn’t pumping efficiently.
Ever had the flu and experienced extreme fatigue? This sign of heart disease will show up like that—you’ll experience a complete lack of energy and unusual tiredness that makes getting through the day difficult. Again, if this symptom persists for several days and doesn’t get better with rest, it’s time to talk with your doctor.
Occasionally losing your breath when you walk up the stairs is quite normal, as is difficulty breathing during an intense workout. But if you’re having difficulty taking deep breaths when you’re at rest or calm, it could be a sign of an underlying heart health issue.
This is another indicator that your heart isn’t working at its best. When your heart can’t pump blood efficiently, blood can back up into your extremities, including your legs, causing swelling.
As the state’s most forward-thinking heart and vascular program, Georgia Heart Institute is providing innovative and personalized care that’s improving and saving lives for generations. Whether you’re focused on disease prevention or needing advanced care for a complex condition, the cardiologists, surgeons and specialists of Georgia Heart Institute can provide the highest quality care when it matters most. Schedule an appointment today at nghs.com/heart.
6634 Hwy 53, Suite 140 Braselton, GA 30517 and 9 other convenient locations to serve our clients. Visit our website for office locations. parkwaylawgroup.com 404.719.5155
We believe that the residential real estate business is based on trust and relationships, which is why we are proud of the solid reputation we have developed with Metro Atlanta’s highest producing agents, lenders, and builders. You need a legal partner you can trust. Through the combination of both superior technology and personal service touches, we consistently provide our clients with exceptional and cost e ective legal services. With over 100 years of combined experience and an expert sta that promises to go the extra mile for you and your clients, Parkway Law Group is your trusted legal partner for all of your closing needs.
Getting a F ile Star ted with Us – We are dedicated to serving our clients. Getting a closing started with us is easy Just write our firm into the contract as the closing attorney and send it to our dedicated closing coordinator at:
contracts@parkwaytitle.com