GOAL Magazine Summer 2016

INSIDE GOAL Magazine Defined and Announced Keeping the Bompiani History Alive

FIRST ISSUE OF GOAL IS FREE TAKE ME WITH YOU

Chance to Win a Style Makeover

INDIVIDUAL COMMITMENT TO A GROUP EFFORT

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SUMMER 2016

Take Control of Your Financial World Connect all your accounts and information for an organized, consolidated view.

Financial Workshop See if you’re on target to reach your most important financial goals.

Education Center Your own library of videos, articles and resources to increase your financial knowledge .

Vault Safely store your most important documents for quick and easy access.

Welcome to GOAL Magazine!

We all know we live in era of information overload. This is an age where there is arguably more news coverage than ever before, but quality is questionable due to it being laced with bias and having a focus on ratings and revenue rather than accuracy and objectivity.

Early in 2016, one of the managing partners of The SecondHalf Coach, Inc. (SHC), William J. Urbanik, developed and presented a vision plan for SHC with emphasis on immediate self-assessment with identified areas that were to be targeted for improvement.

Anthony Slezak, the other managing partner of SHC, lead a thorough review of targeted internal processes with team members assigned to assist. Urbanik lead a team focused on external communications, image, brand, and community involvement.

Spend Tracking

Budgeting Tools

Mobile

Investments

Know how much you’re spending and where.

Set budgets to help you reach your savings goals.

Your complete financial picture is now accessible from most smart phones.

Interactive charts and detailed views provide you with increased visibility into your accounts.

Organize | Know | Monitor | Collaborate 2519 Ligonier Street PO Box 421 Latrobe, PA 15650 724-537-2799 Fax 724-537-3180 www.thesecondhalfcoach.com

Over the past few months, many of the identified targets have been assessed by both teams and improvements have begun to be implemented. During this process, Urbanik’s team, which includes Jessica Marazza (Financial Planner) and Coby Detar (Communications Manager), was spending a morning assessing the firm’s newsletter, The Scoreboard that was sent to clients on a quarterly basis. This was one of the primary items to be targeted as there was a desire to not only make it more meaningful, but also more attractive and available in digital format as well. It was at that meeting, GOAL Magazine was born and by the end of the meeting Urbanik’s team had not only come up with the name, idea for logo, tag line, and purpose they found a way to bring the community together and promote local entrepreneurs all at the same time delivering unparalleled content to their clients of all contributors and the public.

GOAL Magazine has expanded so quickly in purpose and gained quick interest from other entrepreneurs who saw the potential this magazine could have for everyone. With that said, Urbanik and Slezak decided to create a separate corporation called Go2Goal, LLC. which will not just be responsible for producing GOAL Magazine, but a number of new initiatives being discussed for the future. The SecondHalf Coach, Inc. will serve as GOAL Magazine’s lead editorial contributor as well as chief sponsor. William Urbanik will serve as the company’s CEO overseeing the firm’s creative initiatives, development of ideas, and serve as the GOAL, LLC and the magazine’s primary spokesperson. Anthony Slezak will serve as COO and maintain focus on all operational processes, budgeting, and finance. Jessica Marazza and Coby Deter join the GOAL Magazine Team as well serving as consultants in the areas of design, development, and public relations.

Individual Commitment to a Group Effort

William Urbanik, CEO

Anthony Slezak, COO

Jessica Marazza, Consultant

Coby Deter, Consultant

“

GOAL Magazine has expanded so quickly in purpose and gained quick interest from other entrepreneurs who saw the potential this magazine could have for everyone.

“

Organizer

GOAL Magazine: Origin and Purpose Defined and Announced

It is our hope and belief that the birth of GOAL Magazine will be identified as the day that proved information can be both valuable and interesting and that people from diverse backgrounds and areas of expertise can collaborate effectively and in a single voice communicate the empowering winds of knowledge. It will also be identified as the day a collection of entrepreneurs came together to remind readers of the historical and future significance that entrepreneurship can be credited for our nation’s economic dominance and standards of living.

Digital Marketing

Deliver an ideal message to an audience that is looking for YOU!

By Studio 2 Advertising

Inside this issue |

Through the power of the internet, consumers are now actively searching for information on products and services online rather than waiting for businesses to search for them through traditional advertising. While traditional marketing efforts are still critical, to remain competitive or increase your market share, businesses need to employ inbound marketing techniques online by utilizing a digital marketing strategy. Digital marketing refers to the promotion of a product or business using one or more digital technologies found mainly on the internet including mobile phones, display ads, and any other digital media outlet.

SUMMER 2016

Eleven WAYS to Help Yourself Stay Sane in a Crazy Market .............................. 04

The first 3 components to consider when incorporating a digital marketing strategy:

By The SecondHalf Coach Wealth Management Team Keep yourself from making hasty decisions that could have a long-term impact on your financial goals.

1. WEBSITE

Estate Planning in a Digital Age ..... 09

By Quatrini & Rafferty

The conveniences and the benefits that technology created for us may also create difficulties and problems for those we leave behind.

Summer Photography Tips ........................11

By Autumn Stankay Make your photos the best vacation shots you've ever taken!

ALSO INSIDE 06.... Westmoreland's Drug Prevention Plan 10..................................The Journey Of Life 18........... Lowering The Cost Of Healthcare 22............What Happens After We're Gone 24... Dress Like The Person You Want To Be 26....... Keeping The Bompiani History Alive 32.............. Ensuring Your Grandkids Future 38..................... An Age Of Empowerment?

40.......................... First Annual Golf Outing

The Benefits of Tax-Advantaged Savings Vehicles.................................................. 14

By Kisiel & Associates

Investment decisions shouldn't be driven solely by tax considerations.

Be Excited About the Housing Market ......................................................23

By Inselmini Construction Company

A website is a great way to showcase your company’s credibility and it allows visitors to gain useful information in seconds. However, in addition to creating your online brand, there are many elements to keep in mind.

For example, be sure your website is responsive (able to be viewed on mobile phones or tablets). With 80% of internet users owning a smartphone and checking their phone 150 times a day, the chance of your site being viewed on a mobile device is highly likely. You will also want to be sure that your website is well-designed and incorporates a compelling and relevant message.

2. SEO

Search engine optimization (SEO) is the term that is referred to when a company wants to optimize the visibility of their website and organic search results (without paid ads).

Effective SEO combines research, analysis, strategic planning, creativity, and technical implementation to optimize your entire web presence, thereby improving the search engine ranking of your website. Only 8.5% of users will go to the second page of results on search engines like Google.

Improving your organic search engine ranking requires a comprehensive plan to optimize your website and integrate key components such as keywords, blogs, social media, email marketing campaigns and mobile sites.

3. SEM

Search engine marketing (SEM) is beneficial to companies in any industry because it gives you more control of your marketing efforts that you cannot obtain with traditional marketing.

Once you have already integrated SEO, SEM ads will become visible in search results and on websites where your customers visit and will allow you to track interactions with potential customers. SEM ads are a great way to ensure your advertising dollars are spent wisely.

For a digital marketing evaluation of your business, contact Ron McElhaney at Studio 2 Advertising by phone 724-836-2220 or email rmcelhaney@studio2adv.com

Why act now? The trends in the current housing market will continue until more homes become available.

DESIGN Studio 2 Advertising PRINTING Fotorecord Print Center

studio2adv.com 2

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Individual Commitment to a Group Effort

Even a diversified portfolio is no guarantee that you won’t suffer losses, of course. But diversification means that just because the S&P 500 might have dropped 10% or 20% doesn’t necessarily mean your overall portfolio is down by the same amount.

ELEVEN WAYS TO HELP YOURSELF STAY SANE IN A CRAZY MARKET

By The SecondHalf Coach Wealth Management Team

Having predetermined guidelines that recognize the potential for turbulent times can help prevent emotion from dictating your decisions. For example, you might take a coreand-satellite approach, combining the use of buy-and-hold principles for the bulk of your portfolio with tactical investing based on a shorter-term market outlook. You also can use diversification to try to offset the risks of certain holdings with those of others. Diversification may not ensure a profit or guarantee against a loss, but it can help you understand and balance your risk in advance. And if you’re an active investor, a trading discipline can help you stick to a long-term strategy. For example, you might determine in advance that you will take profits when a security or index rises by a certain percentage, and buy when it has fallen by a set percentage.

2

KNOW WHAT YOU OWN AND WHY YOU OWN IT

When the market goes off the tracks, knowing why you originally made a specific investment can help you evaluate whether your reasons still hold, regardless of what the

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GOAL: A Publication of Go2Goal, LLC

Anyone can look good during bull markets; smart investors are produced by the inevitable rough patches. Even the best investors aren’t right all the time. If an earlier choice now seems rash, sometimes the best strategy is to take a tax loss, learn from the experience, and apply the lesson to future decisions.

Expert help can prepare you and your portfolio to both weather and take advantage of the market’s ups and downs.

Cash can be the financial equivalent of taking deep breaths to relax. It can enhance your ability to make thoughtful decisions instead of impulsive ones. If you’ve established an appropriate asset allocation, you should have resources on hand to prevent having to sell stocks to meet ordinary expenses or, if you’ve used leverage, a margin call. Having a cash cushion coupled with a disciplined investing strategy can change your perspective on market volatility. Knowing that you’re positioned to take advantage of a downturn by picking up bargains may increase your ability to be patient.

9 REMEMBER YOUR ROAD MAP

Solid asset allocation is the basis of sound investing.

One of the reasons a diversified portfolio is so important is that strong performance of some investments may help offset poor performance by others. Even with an appropriate asset allocation, some parts of a portfolio may struggle at any given time. Timing the market can be challenging under the best of circumstances; wildly volatile markets can magnify the impact of making a wrong decision just as the market is about to move in an unexpected direction, either up or down. Make sure your asset allocation is appropriate before making drastic changes.

10 LOOK IN THE REAR-VIEW MIRROR

overall market is doing. Understanding how a specific holding fits in your portfolio also can help you consider whether a lower price might actually represent a buying opportunity.

During volatile periods in the stock market, many investors reexamine their allocation to such defensive sectors as consumer staples or utilities (though like all stocks, those sectors involve their own risks, and are not necessarily immune from overall market movements). Dividends also can help cushion the impact of price swings. According to Standard & Poor’s, dividend income has represented roughly one-third of the monthly total return on the S&P 500 since 1926, ranging from a high of 53% during the 1940s to a low of 14% in the 1990s, when investors focused on growth.

And if you don’t understand why a security is in your portfolio, find out. That knowledge can be particularly important when the market goes south, especially if you’re considering replacing your current holding with another investment.

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11 TAKE IT EASY

roller-coaster rides. It’s useful to have strategies in place that prepare you both financially and psychologically to handle market volatility. Here are 11 ways to help keep yourself from making hasty decisions that could have a long-term impact on your ability to achieve your financial goals.

1

5

BE WILLING TO LEARN FROM YOUR MISTAKES

The financial markets are historically cyclical. Even if you wish you had sold at what turned out to be a market peak, or regret having sat out a buying opportunity, you may well get another chance at some point. Even if you’re considering changes, a volatile market can be an inopportune time to turn your portfolio inside out.

A well-thought-out asset allocation is still the basis of good investment planning.

CASH TO HELP MANAGE 8 USE YOUR MIND-SET

6 CONSIDER PLAYING DEFENSE

Keeping your cool can be hard to do when the market goes on one of its periodic

HAVE A GAME PLAN

4

TELL YOURSELF THAT THIS TOO SHALL PASS

your investments will fluctuate with changes in market conditions, and shares may be worth more or less than their original cost when you sell them.

3

REMEMBER THAT EVERYTHING IS RELATIVE

Most of the variance in the returns of different portfolios can generally be attributed to their asset allocations. If you’ve got a well-diversified portfolio that includes multiple asset classes, it could be useful to compare its overall performance to relevant benchmarks. If you find that your investments are performing in line with those benchmarks, that realization might help you feel better about your overall strategy.

Individual Commitment to a Group Effort

STAY ON COURSE BY CONTINUING TO SAVE

Even if the value of your holdings fluctuates, regularly adding to an account designed for a long-term goal may cushion the emotional impact of market swings. If losses are offset even in part by new savings, your bottom-line number might not be quite so discouraging.

If you’re using dollar-cost averaging--investing a specific amount regularly regardless of fluctuating price levels-you may be getting a bargain by buying when prices are down. However, dollar cost averaging can’t guarantee a profit or protect against a loss. Also consider your ability to continue purchases through market slumps; systematic investing doesn’t work if you stop when prices are down.

Finally, remember that the return and principal value of

Individual Commitment to a Group Effort

If you’re investing long term, sometimes it helps to take a look back and see how far you’ve come. If your portfolio is down this year, it can be easy to forget any progress you may already have made over the years. Though past performance is no guarantee of future returns, of course, the stock market’s long-term direction has historically been up. With stocks, it’s important to remember that having an investing strategy is only half the battle; the other half is being able to stick to it.

Even if you’re able to avoid losses by being out of the market, will you know when to get back in? If patience has helped you build a nest egg, it just might be useful now, too.

If you feel you need to make changes in your portfolio, there are ways to do so short of a total makeover.

You could test the waters by redirecting a small percentage of one asset class to another. You could put any new money into investments you feel are well-positioned for the future, but leave the rest as is. You could set a stop-loss order to prevent an investment from falling below a certain level, or have an informal threshold below which you will not allow an investment to fall before selling. Even if you need or want to adjust your portfolio during a period of turmoil, those changes can--and probably should--happen in gradual steps. Taking gradual steps is one way to spread your risk over time, as well as over a variety of asset classes.

GOAL: A Publication of Go2Goal, LLC

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25%

Westmoreland's Drug Prevention Plan

By Gina Cerilli, County Commissioner It has been an exciting and very busy first five months of my term.

35 I am very thankful to my two co-commissioners, Charles Anderson40 30 and Ted Kopas for welcoming me and being patient as I learn and 35 25 I decided to run for county commissioner adapt into my new role.

30 at a young age because 20 I have the time and the energy to devote 40 to public service.

25 15

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5

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0

15 2016-20 21-30 31-40 41-50 51-60 61-70 & Under 15 0 15 & Under 16 6-20 21-30 31-40 10 41-50 51-60 61-70

Overdoses by Age 5

Prescription Heroine Drugs

Prescription Drugs 27 44% Heroine

51 55

I am hopeful that this intervention 120 plan will be successful.

60 30 However, I am also being realistic. I hate to be the one to point this out, but I actually see our state statistics rising over the 90 30 0 2015 2014 can2013 2012receive 2011 next few years. When “doctor shoppers” no longer prescription pills, they will turn60to the street to purchase heroin. I 0 applaud the state in finally getting the database up and running.

2015 However, the first few years for30the implementation will be tricky. With that all being said, I am confident that in 5 years our deaths will be lower because of0the work of our Drug Overdose 2014 2013 2012 2011 Task Force and the state’s database2015 to insure new patients don’t become addicted!

Over 1,000 Americans overdose a week. America consumes 80% of the world’s opiates. This is not just an issue in Westmoreland County. This is an issue our entire nation is facing and we all need to work together to combat it. The Drug Overdose Task Force has studied areas of the country where they were successful in their plan and we will implement those plans in our own county. I look forward to discussing the Drug Overdose Task Force’s different approaches in the next issue of this magazine.

26

56% 56 (44%) 36

60

26

0

0

2015

70 (56%)

56 (44%)

2014

51

36

2013

60

26

2012

51

27

2011

55

9

9

120

Overdoses

Prescription Drugs VS Heroin

150

60

T

he family owned and operated, Aroma Italiano has been serving the Latrobe area for many years with its unique collection of Italian cuisine. The menu features authentic Italian recipes that bring the taste of Italy to you.

Aroma Italiano is located on Ligonier Street and offers dining in or take out options. The recipes are directly from Robert Santoro, a chef from Italy.

150

90

120

30

60

90 2015 2014 2013 2012 2011 60

2014

2011 2012 2013 2014 2015

2011 2012 2013 2014 2015

120

90

30 0

30 0

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2011

25% LOREM IPSUM 25%

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27

150

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Prescription Heroine Drugs

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70 (56%) 9 51

30

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15 16-20 21-30 31-40 41-50 51-60 61-70 & Under

56 (44%)

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15 0 15 16-20 21-301031-40 41-50 51-60 61-70 & Under 5

2015

0

40

2011202012 2013 2014 2015

5

25%

25%

James Beard once stated, “Food is our common ground, a universal experience,” and The SecondHalf Coach team believes 40 this to be true. It’s important to the staff to enjoy all that life has 35 25% to offer, and what better bonding experience than over a nice 30 meal? As a quarterly piece, the team will provide feedback about 25 restaurants in and out of the Westmoreland area that they want 20 to share with the readers of Goal Magazine. The following is a 15 small excerpt about a lunch the team shared at a local restaurant.

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As a community, we must remove the stigma. In the past, families 2012 51 were embarrassed to admit one of their relatives was battling 2015 55 addiction. Today, this can no longer be something to hide.2011 Instead, 2014 the community as a whole needs to educate each other.

44% 2013 56% Last month, I met with Gary Tennis, secretary of the Pennsylvania Department of Drug and Alcohol Programs on the advancement 2012 of Pennsylvania’s Doctor 150Monitoring Database. Our state will be 2011 the 49th state to implement this database. Although our state is behind on implementation, 120 we will be the first to add prevention 150 to our plan. Instead of catching “doctor shopping” patients, the state will implement90 a plan of prevention. There will be an 120 intervention tool, so users don’t immediately run to street drugs 150 pills. after they are denied prescription 90 60

GOAL: A Publication of Go2Goal, LLC

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30

Westmoreland County Drug Overdose Task force for the next 0 15 & Under 16 6-20 41-50 51-60 61-70 three years. I was involved in selecting our21-30 new31-40 Executive Director, 2015 70 (56%) Tim Phillips. Mr. Phillips has many years of experience working to battle this heartbreaking epidemic and I look forward to2014 his 51 success. Over the past five months 44% I have used every one of my 2013 60 speaking engagements to address our county’s56% drug epidemic.

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10 devastating the drug epidemic was I saw year after year how 30 15 to our community. The drug epidemic affects every family in 5 25 member battling the disease, a 10 our county, whether it’s a family 0 15 daughter, & Under 6-20 21-30 31-40 41-50friend, 51-60 61-70 classmate of your son or a close family or even 5 2016 the growing crime rate in our15neighborhoods.

10 a $450,000 grant from the Westmoreland County received Allegheny Foundation to hire an 5 executive director and fund the

Food, Finance, & Friends

40

40

25% LOREM IPSUM

Aroma Italiano

Santoro is the father of owner Toni Garbeglio and grandfather of owner Carlo Garbeglio. During a lunch hour, The SecondHalf Coach team had the opportunity to choose their favorite dishes and share some delicious appetizers. On the menu, there are options for deep fried polenta, zucchini planks, signature Aroma sandwiches, salads and pizza. Lora DeVenzio, Client Relations Manager at The SecondHalf Coach, commented about her first 30% experience at Aroma Italiano: “I loved walking into the restaurant where there was an overwhelming scent of baked goods. It felt as though I had walked directly into my grandmother’s house at Christmas. I also enjoyed 30% the at-home feel to the restaurant; the walls of the dining room featured

many personal family photographs.

The welcoming atmosphere felt more like I was invited into their home for lunch than it did eating at a popular restaurant. I had the opportunity to try homemade fried polenta for the first time and would recommend ordering them the next time anyone goes to visit. It was really a great experience.”

In addition to lunch and dinner options, Aroma Italiano has a large array of desserts ranging from pies, to cookies 30% pizzelles. Having 40% and treats including such a unique place with great food 30% 40% so close to home is another way that Westmoreland County exemplifies its mix of successful entrepreneurs from different backgrounds.

40%

30%

60 2015

2014 2013 2012 2011

2014 2013 2012 2011

50

60

40

50

30

Total Overdose Deaths

20 10

Do you or a loved one have issues with substance abuse? Call the new county helpline for direction, answers, and hope at 1-844-897-8927 Individual Commitment to a Group Effort

60 50 40 30

40 30 20 10

20 10 Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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QUATRINIRAFFERTY Attorneys at Law

Estate Planning in a Digital Age

By Quatrini & Rafferty

CONGRATULATIONS TO OUR ATTORNEYS FOR MAKING THE 2016 SUPER LAWYERS AND RISING STAR LISTS!

Vincent J. Quatrini

Super Lawyer

Certified Workers’ Compensation Specialist

Ronald J. Fonner

Super Lawyer

Certified Workers’ Compensation Specialist

Dennis B. Rafferty Super Lawyer

What kind of things do I mean? For instance, many people have bank accounts, savings accounts or certificates of deposit in financial institutions that are not “brick and mortar” facilities. We typically think of visiting our local bank branch but don’t consider online banks. As with so many things we find online, these banks require account numbers, PIN numbers and access codes. In a complete estate plan, it would be imperative for the representative of the estate to know that an account exists and other identifying information about the account. Without that information, access will be denied and it will then take additional time and effort to gain access.

There should also be some instruction left as to what to do with things like email, Facebook, Twitter, LinkedIn, and other similar online social networking accounts. These accounts certainly contain a great deal of personal information and need to be appropriately terminated at the time someone dies. Your spouse, child or other trusted family member who is going to represent your estate at the time of your death should have access to online information. This information would allow them to terminate a Facebook account, resolve any issues that might exist with purchasing or selling items through eBay, transfer online photos, records and files and finalize other similar activities.

Our firm has attorneys that understand the technological issues that face us in this digital asset age. We welcome the opportunity to help you make sure that you have properly and completely addressed all of the matters that will exist at the time of your death. We take many of these conveniences for granted in our day-to-day existence; however, the conveniences and the benefits that technology created for us may also create difficulties and problems for those we leave behind.

A. Tereasa Rerko

Super Lawyer

Personal Injury School and Education Law Criminal Defense

Social Security Disability Workers’ Compensation

James A. Horchak

Michael Quatrini

Estate Planning Taxation Law Business Organizations

Social Security Disability Workers’ Compensation Veterans Disability

Super Lawyer

When we sit down to discuss who will benefit from what we have accumulated during our lifetime, we start with creating an accurate summary of our assets and our debts.

We talk about houses, vehicles, bank accounts, pension and retirement accounts, life insurance, investments and other things of value that belong to us. We also discuss our mortgages, car payments, personal loan payments, Visa and MasterCard bills and other similar debts. But what we sometimes forget to address are things that might not have a piece of paper that evidences their existence.

www.qrlegal.com | 724-837-0080

Rising Star

Individual Commitment to a Group Effort

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The Journey of Life: Appreciation through Reflection

By William J. Urbanik, MBA, RFC, Managing Partner/Financial Planner, The SecondHalf Coach, Inc Registered Principal, SagePoint Financial, Inc.

them I was going to become a financial advisor right in the middle of student teaching they simply asked, “How can we help?”

L

ife is a journey filled with all sorts of moments and relationships that ultimately define the person we become and the journey is not always smooth. Throughout our travels, we all encounter challenges that test our courage, resilience, character, and faith. Time stops for no one, and we can’t even slow it down. What we can do, on occasion, is sit in reflection and be reminded of the journey to the point that has inspired us to look back and for me that point is the GOAL Magazine endeavor.

The journey of life starts with the character of your parents. My parents never used the term impossible, they never told me to be realistic and they never told me to quit dreaming. At age four I stated my dream job was to become President of the United States. They assured me I could. When a guidance counselor told them that college was likely not in my future, they told me that I was the only one capable of proving otherwise. When I told

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GOAL: A Publication of Go2Goal, LLC

My house growing up was special. My mom taught me to be compassionate, to let people know how you feel, and to be a good friend. She told me that no matter what I do in life, I will never have a more important job than that of husband and father. She believes that who you are is more important than what you do and she has always been a beacon of light in a sometimes dark world. My dad passed away in 2011.

He was tough as nails, always honest, calm in all situations, and wore a look of intensity paired with an easy smirk and surprising charm. He taught me to never make excuses or point fingers and that my success or failure was up to me. I still live by the words he would state when I would get injured or hurt, “If you can breathe, you can play.” He was and always will be my hero. My sister Georgia was the first person to look up to me or need my help. She always viewed me as a leader and a source of inspiration which got me to believe I could be that for others as well.

I married into a great family. My mother-in-law Gladys was there in my early years in business when I was struggling and always seemed to know exactly what to say because she listened so well. My father-in-law, who passed away in 2009, taught me a lot about the financial business and encouraged me to every day ask myself these questions, “How can I help, how can I serve?” Words I still ask myself every morning.

My wife Jessica is a tremendous mother and my best friend and allows me to be me, which is not easy. Her smile lights up every room and she is the most genuine person I know. She carried us early on never tiring of carrying

the weight financially for so long and never wavered in her belief that in time I would find my stride and my success would catch up to my efforts and sacrifice. My sons, Aidan and Jacob, inspire and motivate me more than anyone or anything else. They are hard workers, love unconditionally and have already overcome many challenges.

Their joy and laughter is the music I dance to every day and hearing them say “I love you Daddy” still gets me every time. If our children are the eyes we see our future through, my future is beautiful, rewarding and full of life.

I am blessed to call many great people friends and neighbors and some are “like a brother/sister.” My business partner, Tony Slezak, is the big brother I never had and we have a great team who works hard and has fun. I could not be surrounded by a better group of people and watching members of our team grow within our business has been one of the most humbling and rewarding aspects of my career.

Each new person arrives with unique qualities and their spirit breathes new life into our office. And most notably, without the faith and loyalty of our clients we could not survive, let alone grow. Our clients have invited us into their lives and count on us during life’s most challenging decisions and experiences. These relationships and the responsibility I am charged with empowers me, keeps me determined and I am grateful for their trust and a career I love.

Summer photography tips from Autumn Everyone loves to take photos of their memories on summer vacation. I’m no different. Even though I take photos on a daily basis for my job, I still adore doing photography in my spare time of my dog and family. I have traveled to different places all over the world, but I have to say that there is just something so special about spending a day on the beach with people you love. So I thought I’d give a few tips to help make your photos the best vacation shots you’ve ever taken.

1

Take family portraits at sunset.

The last hour of the day as the sun is setting is the most prime time for portraits. When the sun is directly overhead the lighting is harsh and most of all, the direction is not flattering on the face. It is straight down, causing harsh “raccoon eye” shadows, a dark shadow under the nose, and a “cooler” tone that is not as nice on the skin as sunset light.

Most people’s faces are most flattered when lit from the side, which is how photography lighting is done in the studio. You can get that amazing sidelit, soft sunlight if you just do your portraits about one hour before sunset and have the light falling onto your subject’s face, not back. Also , it will have a beautiful golden glow on that sun-kissed skin!

2

When taking photos of the sunrise or sunset, avoid putting the horizon directly in the center of the frame. It can look quite boring! To make the classic beach photo more interesting, try taking it from an angle down the beach, instead of straight on towards the water, moving the horizon up or down to the top third or bottom third of the frame, or if possible put something in the foreground! Also, don't be afraid to turn the camera and try a vertical shot, you never know what you might discover in your composition!

3

Be patient and wait for the right moment. Sometimes just having a camera in hand, sitting yourself down in a good spot for wildlife, and waiting... can give the best reward. You’ll find that once you become “part of the landscape” to some animals like birds or turtles, they’ll begin to come your way without getting startled. It just takes some time and patience!

For more information on Autumn Stankay’s award winning photography & Greensburg studio visit her website www.SkySightPhotography.com

So, I may not be able to stop or slow down time but a moment of reflection always clears the noise and while I certainly have had my share of successes and failures there is no doubt that it is the people in my life and their influence that have mostly defined my journey. For them, I will remain steadfast in my efforts, always be grateful and will continue to live my life to honor their significant influences.

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

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The arts are alive and well in Westmoreland County.

How Your Birthday Is Impacting Our Workforce

By Katie Kertoy

The arts are alive and well in Westmoreland County.

This summer, small towns around the region are gearing up for exciting seasons of live entertainment from musicals to concerts to standup comedy. You don’t have to go to Pittsburgh to see a great show; just look at the many towns growing and expanding their community theater in western PA. Irwin, for example, has “relit the Lamp,” and is ready for an exciting summer schedule thanks in large part to community volunteers, says Bill Elder, the Lamp’s Operation Manager. Elder is excited for the upcoming summer performances and says the new and improved Lamp, which seats 354 patrons, is working to open its doors to more bands, theater performances, standup comedians, and in the near future, movies. Towns all across the county, like Irwin and their Lamp, are growing and revitalizing their theaters, something that Mr.Elder says gives more opportunities for people in our region to entertain or be entertained. Listed below are a few of the things that are happening in our area this summer. Check out the websites for show dates, ticket info, and more!

www.lamptheatre.org Shows include: Footloose the Musical, Summer Comedy series “Laughs at the Lamp”, Stage Right! presents Godspell, plus many local bands and artists!

SAINT VINCENT SUMMER THEATER

www.svst.org Shows include: Cole: An Entertainment Based on the Words and Music of Cole Porter and The Odd Couple

THE THEATRE FACTORY www.thetheatrefactory.com Shows include: Anything Goes

SUMMER SOUNDS OF GREENSBURG

www.summersounds.com Come out to beautiful Saint Clair Park Amphitheater in downtown Greensburg every Friday night for a variety of musical groups.

PLEASE CHECK OUT OTHER AMAZING OPPORTUNITIES IN THE AREA INCLUDING: Thank Goodness It’s Summer concert series every Thursday at the Palace Theatre ........

Stage Right Productions of Greensburg ........

Valley Players of Ligonier

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GOAL What’s Yours?

By Chad Amond, President of the Westmoreland County Chamber of Commerce

THE LAMP THEATRE, IRWIN

Apple Hill Playhouse in Delmont Split Stage Productions ........

American Performing Arts Company in Latrobe ........

Geyer Performing Arts Center in Scottdale

Individual Commitment to a Group Effort

I

t’s been said that birthdays are good for your health. The more you have, the longer you tend to live. And while that might be true and very positive, the fact is Westmoreland County is having a disproportionate number of birthdays among those who are entering their ‘silver years’ and we’re not replacing our older population with younger residents.

Our county is aging at a rate that far exceeds much of the rest of Pennsylvania and most of our nation.

And that fact presents significant challenges for our future economic outlook.

Being part of the 10-county region of southwestern Pennsylvania, Westmoreland County has endured the impacts of a declining population and relatively stagnant economy for the past decade or more. Like many regions across the United States, southwestern Pennsylvania is dealing with an aging population resulting in significant impact on our labor force and on our communities. But Westmoreland County and our region have not benefitted from the migration growth many other U.S. regions have over the past 20 years. This lack of positive net migration has created an “old” population and labor force. Over the next ten years, our county faces the loss of nearly 10-15% of its workforce due to retirements, many within the manufacturing industry. By 2020 about 30% of our population will be age 65 or older. The potential loss of workers will place enormous stress and strain on the local economy, and the county will experience an estimated population decline of nearly 3% annually during that same time period.

Individual Commitment to a Group Effort

To exacerbate the migration issue, our education system is often misaligned with the true workforce needs of the region. For decades, parents, students and educators have focused and defined success by advocating sending all students to college for a degree in most anything. While college is great for a variety of students and for a variety of reasons, the result has been a labor force lacking the skills for regionally available jobs.

Generally speaking, this has forced “well educated” residents to leave the region to find a job in their field of expertise, all the while reducing the younger demographic in Westmoreland and southwestern Pennsylvania. There are some bright spots. Recently, Pittsburgh has seen a modest turnaround from this affect with the surge of tech-based companies that tend to draw young professionals like Google and Uber.

But Westmoreland County’s economy is supported by a strong manufacturing and energy industry. These industries represent over 12% of the jobs in the county and a larger percentage in terms of economic impact when you include industry suppliers and ‘ripple’ businesses that can indirectly connect themselves to a strong manufacturing core. With many businesses in these industries having a labor force nearing or already in the midst of retirement and a lack of trained individuals to replace them, the county faces a looming crisis.

There is hope on the horizon and it’s based on collaboration and breaking down the walls of parochialism. If we’re going to solve this issue, we must work together across community lines. The Westmoreland County Forum for Workforce Development is one such avenue of movement forward

in the right direction. The Forum looks to play a vital role in realigning our education system with the skills required for the regional economy and the retraining of displaced workers.

Until the Forum was established in 2015 seemingly little was done to address the demographic realities and to identify educational pathways to address the skills needed for the region’s workforce.

The Forum includes as members the 17 county school districts, three Career and Technology Centers, the Westmoreland County Intermediate Unit, four post-secondary universities, along with the Economic Growth Connection, the Westmoreland County Industrial Development Corporation, and proudly my organization - the Westmoreland County Chamber of Commerce. Over the past two years, this public/private partnership (notably, the work has been done without funding and on a voluntary basis) has developed targeted steps to address the education misalignment through significant collaboration amongst the members. The goal is to establish a long-term, collaborative and flexible education structure that recognizes the workforce skills the region requires and makes adjustments identified and endorsed by the Forum. This initiative will strengthen resiliency in our labor force, providing the workforce required by our business community and ultimately providing existing residents the opportunity to stay in Westmoreland County to make our community a better place to Live, Learn, Work, Shop, and Play.

To learn more about the Westmoreland County Forum for Workforce Development visit: www.westmorelandworkforce.com

GOAL: A Publication of Go2Goal, LLC

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The Benefits of Tax-Advantaged Savings Vehicles

By Bryan Kisiel, CPA, Director of Tax Planning at the SecondHalf Coach Wealth Management Team, CEO Kisiel & Associates Taxes can take a big bite out of your total investment returns, so it's helpful to look for taxadvantaged strategies when building a portfolio. But keep in mind that investment decisions shouldn't be driven solely by tax considerations; other factors to consider include the potential risk, the expected rate of return, and the quality of the investment.

TAX-DEFERRED AND TAXFREE INVESTMENTS

Tax deferral is the process of delaying (but not necessarily eliminating) until a future year the payment of income taxes on income you earn in the current year. For example, the money you put into your traditional 401(k) retirement account isn't taxed until you withdraw it, which might be 30 or 40 years down the road!

Tax deferral can be beneficial because:

• The money you would have spent on taxes remains invested • You may be in a lower tax bracket when you make withdrawals from your accounts (for example, when you're retired) • You can accumulate more dollars in your accounts due to compounding Compounding means that your earnings become part of your underlying investment, and they in turn earn interest. In the early years of an investment, the benefit of compounding may not be that significant. But as the years go by, the long-term boost to your total return can be dramatic.

TAXES MAKE A BIG DIFFERENCE

Let's assume two people have $5,000 to invest every year for a period of 30 years. One person invests in a tax-free account like a Roth 401(k) that earns 6% per year, and the other person invests in a taxable account that also earns 6% each year. Assuming a tax rate of 28%, in 30 years the tax-free account will be worth $395,291, while the taxable account will be worth $295,896. That's a difference of $99,395.

Bryan Kisiel

This hypothetical example is for illustrative purposes only, and its results are not representative of any specific investment or mix of investments. Actual results will vary.

The taxable account balance assumes that earnings are taxed as ordinary income and does not reflect possible lower maximum tax rates on capital gains and dividends, as well as the tax treatment of investment losses, which would make the taxable investment return more favorable, thereby reducing the difference in performance between the accounts shown. Investment fees and expenses have not been deducted. If they had been, the results would have been lower. You should consider your personal investment horizon and income tax brackets, both current and anticipated, when making an investment decision as these may further impact the results of the comparison.

This illustration assumes a fixed annual rate of return; the rate of return on your actual investment portfolio will be different, and will vary over time, according to actual market performance. This is particularly true for long-term investments. It is important to note that investments offering the potential for higher rates of return also involve a higher degree of risk to principal.

GOAL: A Publication of Go2Goal, LLC

One of the best ways to accumulate funds for retirement or any other investment objective is to use taxadvantaged (i.e., tax-deferred or tax-free) savings vehicles when appropriate.

• Traditional IRAs -- Anyone under age 70½ who earns income or is married to someone with earned income can contribute to an IRA. Depending upon your income and whether you're covered by an employersponsored retirement plan, you may or may not be able to deduct your contributions to a traditional IRA, but your contributions always grow tax deferred. However, you'll owe income taxes when you make a withdrawal.* You can contribute up to $5,500 (for 2015 and 2016) to an IRA, and individuals age 50 and older can contribute an additional $1,000 (for 2015 and 2016).

• Roth IRAs -- Roth IRAs are open only to individuals with incomes below certain limits. Your contributions are made with after-tax dollars but will grow tax deferred, and qualified distributions will be tax free when you withdraw them. The amount you can contribute is the same as

for traditional IRAs. Total combined contributions to Roth and traditional IRAs can't exceed $5,500 (for 2015 and 2016) for individuals under age 50.

• SIMPLE IRAs and SIMPLE 401(k)s -These plans are generally associated with small businesses. As with traditional IRAs, your contributions grow tax deferred, but you'll owe income taxes when you make a withdrawal.* You can contribute up to $12,500 (for 2015 and 2016) to one of these plans; individuals age 50 and older can contribute an additional $3,000 (for 2015 and 2016). (SIMPLE 401(k) plans can also allow Roth contributions.)

• Employer-sponsored plans (401(k)s, 403(b)s, 457 plans) -- Contributions to these types of plans grow tax deferred, but you'll owe income taxes when you make a withdrawal.* You can contribute up to $18,000 (for 2015 and 2016) to one of these plans; individuals age 50 and older can contribute an additional $6,000 (for 2015 and 2016). Employers can generally allow employees to make after-tax Roth contributions, in which case qualifying distributions will be tax free.

• Annuities -- You pay money to an annuity issuer (an insurance company), and the issuer promises to pay principal and earnings back to you or your named beneficiary in the future (you'll be subject to fees and expenses that you'll need to understand and consider). Most annuities have surrender charges that are assessed if the contract owner surrenders the annuity. Annuities generally allow you to elect to receive an income stream for life (subject to the financial strength and claims-paying ability of the issuer).

There's no limit to how much you can invest, and your contributions grow tax deferred. However, you'll owe income taxes on the earnings when you start receiving distributions.*

Though tax considerations shouldn't be your only investing concern, by putting your money in tax-advantaged savings vehicles and investments when appropriate, you'll keep more money in your own pocket and put less in Uncle Sam's. *Withdrawals prior to age 59½ may be subject to a 10% federal income tax penalty unless an exception applies.

TAX-ADVANTAGED SAVINGS VEHICLES FOR COLLEGE For college, tax-advantaged savings vehicles include:

• 529 plans - College savings plans and prepaid tuition plans let you set aside money for college that will grow tax deferred and be tax free at withdrawal at the federal level if the funds are used for qualified education expenses.

These plans are open to anyone regardless of income level.

Contribution limits are high--typically over $300,000--but vary by plan.

• Coverdell education savings accounts - Coverdell accounts are open only to individuals with incomes below certain limits, but if you qualify, you can contribute up to $2,000 per year, per beneficiary. Your contributions will grow tax deferred and be tax free at withdrawal at the federal level if the funds are used for qualified education expenses.

Tax deferred is not the same as tax free. "Tax deferred" means that the payment of taxes is delayed, while "tax free" means that no income taxes are due at all. For example, with a Roth IRA, after-tax dollars are contributed, but qualified distributions (those satisfying a five-year holding period and made after age 59½ or after becoming disabled) are free from federal income tax.

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TAX-ADVANTAGED SAVINGS VEHICLES FOR RETIREMENT

• Series EE bonds The interest earned on Series EE savings bonds grows tax deferred.

But if you meet income limits (and a few other requirements) at the time you redeem the bonds for college, the interest will be free from federal income tax too (it's always exempt from state tax).

Note: Investors should consider the investment objectives, risks, charges, and expenses associated with 529 plans. More information about specific 529 plans is available in each issuer's official statement, which should be read carefully before investing. Also, before investing consider whether your state offers a 529 plan that provides residents with favorable state tax benefits. The availability of tax and other benefits may be conditioned on meeting certain requirements.

There is also the risk that the investments may lose money or not perform well enough to cover college costs as anticipated. For withdrawals not used for qualified higher-education expenses, earnings may be subject to taxation as ordinary income and possibly a 10% federal income tax penalty.

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

ENTREPRENEUR SPOTLIGHT

Chick-Fil-A: Todd Murgi

By Coby Detar, Communications Manager, The SecondHalf Coach, Inc.

The definition of an entrepreneur is a person who organizes and operates a business or businesses, taking on greater than normal financial risks in order to do so.

This series will focus on local entrepreneurs in our area who are hard working, dedicated and have a vision for success. It is important as small business owners to support other business owners in their endeavors to expand in order to grow our community collaboratively.

Coby Detar, Communications Manager of The SecondHalf Coach, Inc., will conduct interviews with successful entrepreneurs to spotlight them on a quarterly basis.

2. HOW DID YOU KNOW THAT CHICK-FIL-A WAS A COMPANY YOU WANTED TO STAY WITH?

Todd Murgi, now Operator of Chick-Fil-A Eastgate Plaza and Westmoreland Mall, started his career as a part-time team member at 14 years old. When asked why he started his career so early, he said he remembered a day where his father went out and bought him a new pair of Street Hoop shoes instead of the Air Jordans. This was a hard moment for a young teenager in school, and from this day forward, Murgi had a drive to make his own money. Even during his years through high school and college, Murgi never thought of Chick-Fil-A being his end destination of career choice. The following questions were a result of the interview between Coby Detar and Todd Murgi:

3. CAN YOU TALK ABOUT SOME OBSTACLES YOU HAD TO OVERCOME?

1. WHERE DID YOU START YOUR CAREER?

I got my job at Ross Park Mall for a part-time job at ChickFil-A as the person who would hand out samples in front of the restaurant, then I decided to stay with the company through my high school years at the Cranberry location under the Operator, Ron Trout. He saw potential in me during these years and gave me leadership development, saw how I could grow within the company and allowed me to attend seminars and conferences.

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GOAL: A Publication of Go2Goal, LLC

I honestly thought it was a back up plan during my college years until my senior year right before graduation, I had the opportunity to attend a yearly conference for the company. During that conference, I saw how much the company meant to other people, see how they operated elsewhere, and truly felt like it was all a big family. Those things were important to me.

At a young age, it was hard to be in charge of employment because I had to earn respect from people more. Now, my biggest obstacle is making sure to be en effective leader by being an Operator of two separate locations: Communication is key.

4. WHAT ADVICE DO YOU HAVE FOR THOSE WHO ARE YOUNG OR FOR THOSE WHO ARE TRYING TO START A BUSINESS?

It’s good to find an organization you can be passionate about and then stay loyal with them, this will all pay off in the end. Also, I believe that if you love what you do, it’s all worth it. For people in leadership roles, find good people to surround yourself with and trust them.

5. FAVORITE MEAL ON THE MENU: The original chicken sandwich!

Individual Commitment to a Group Effort

Scott Ludwick

Real Estate Professional Berkshire Hathaway HomeServices The Preferred Realty Real Estate Professional Berkshire Hathaway HomeServices The Preferred Realty

Scott Ludwick

Prepared BeBePrepared Be Prepared

If there’sIfone thing I one remember from my Boy Scout days, it’smy to “be prepared” . That seemsit’s to apply to most everythere’s thing I remember from Boy Scout days, to “be thing inprepared”. life, but in my business, it’s especially important when selling a home.

Over the years, I’ve That seems to apply to most everything in life, but in had mymany clients call me weeks, months or even a year in advance to learn what they should do to prepare their home for sale.

If there’sbusiness, one thing I remember from my Boy Scout days,when it’s to “be prepared” That seemsOver to apply to most everyit’s especially important selling a. home. the years, thing in life, but in my business, it’s especially important when selling a home. Over the years, I’ve had many clients I’ve had many clients call me weeks, months or even a yeartheir in advance to call me weeks, or give evenyou a year in advance to learn and whatmenus they should do local to prepare home forbe sale. from the pizzeria, should also Here are a fewmonths tips I can without having learn what they should do to prepare their home sale. removed.

When it for comes to wall color, neutral earthseen your home… tones are best. When selling your goal is to appeal to the and menuslatest from works the local pizzeria, should be from Here are a few tips I can give you without having yourmasses. children’s of art, pictures, andalso menus People can usually adapt to a neutral palette, Curb Appeal... oftenTIPS drive IbyCAN a HERE AREBuyers A FEW removed.

When it comes toremoved. wall color,When neutral earth- to seen your home… the local pizzeria, should also be it comes even if they may not be the exact colors they would property to see WITHOUT if they like what the see on GIVE YOU HAVING tones best.earth-tones When selling your goal is toselling, appealyour to the wall choose. color, are neutral are best.

When Wallpaper and borders are a no-no, as it’s very the outside beforeHOME… deciding if they want to SEEN YOUR People canmass. usuallyPeople adapt can to ausually neutraladapt palette, goalmasses. is to appeal to the to Curb Appeal...

Buyers often drive by a personal. A little touch of it is generally not a deal killer, view the interior, so curb appeal is critical. If a neutral even if they may not colors be thethey exactwould colors even palette, if they may not be the exact property to see if they like what the see on ifwould it’s up to date and limitedand to the kitchen powder your home is in need ofoften painting, then paint Curb Appeal...Buyers Wallpaper borders areand a as no-no, as choose.choose.

Wallpaper and borders are a no-no, it’s very the outside before deciding drive if theybywant to theyroom, but for the most part, it’s best to remove itaand just it, especially the front door..

If the shrubs are a property to see if they like what they it’s very personal.

A little touch of it is generally not deal personal. A little touch of it is generally not a deal killer, view the interior, so curb appeal is critical. If paint.

You may think that’s a lot of work andand youpowder don’t overgrown, windows walkways, see on blocking the outside before and deciding if theythen killer, if it’s up to date and limited to the kitchen if it’s up to date and limited to the kitchen and powder your home is ininterior, need ofsopainting, then paint vieworthe curb appeal want bothered, butit’s your buyers will likely feel that butto forbethe most part, best to remove it and just trimwant themtoback replace them.

Make sure tree limbsroom, room, but for the most part, it’s best to remove it and just it, especially the front door..

If the shrubs are is critical.

If your homebuyers is in need of painting, You may that’s a iflot ofcarpet work and don’t want way, too.

Asthink for flooring, the is inyou poor condition are trimmed.

You want to see the house and paint. paint. You may that’s awill lot of work and you don’t overgrown, blocking windows walkways, then to be then paint it,you especially the front door. theand shrubs are butIthink your buyers likely feel way, orbothered, too colorful, suggest updating it with athat neutral color. don’t want to block theIfsun from illuminating want to flooring, be bothered, but yourisbuyers will likely feel that trim themwindows back or and replace them. then Maketrim surethem tree limbstoo.If overgrown, blocking walkways, As for if the carpet in poor condition or you are fortunate enough to have hardwood floorstoo the interior. If you have an asphalt driveway, put a way, Itoo.

As forupdating flooring,itifwith the carpet is in poorIfcondition back or replace them. Make tree limbstoare are trimmed.

Yousure want buyers seetrimmed. the house and colorful, suggest a neutral color. you are under your carpet, then pull the carpet up and expose freshto coat ofthe sealer onand before the home goes on the You want buyers seewant house you don’t to or tooenough colorful,toI suggest updating it with a neutral color. fortunate have hardwood floors under your carpet, you don’t to block the sun fromwant illuminating it. Refinishing floors is typically less expensive than new market.

If the drivethe is concrete, consider pressure block the sun from illuminating If you have anput a thenIfpull up and expose it. Refinishing youthe arecarpet fortunate enough to have hardwoodfloors floorsis the interior.

If you haveinterior. an asphalt driveway, carpet and it is far more marketable.

Consider updating washing it as well as the walkways.

Pressure washing asphalt driveway, put a fresh coat of sealer on before the typically less expensive than new carpet and it is far more under your carpet, then pull the carpet up and expose fresh coat of sealer on before the home goes on the a few interior lights, if what you currently have isifout-ofcanthe make everything look new again. Also, you’ll home goes on market.

If the drive is concrete, consider marketable.

Consider updating a few interior lights, it. Refinishing floors is typically less expensive thanwhat new market. If the drive is concrete, consider pressure Lighting costs have come down considerably and want to remove or over abundance of pressure washing it as well asany thedebris walkways.

Pressure you date. currently have Lighting costs have come carpet and it isisfarout-of-date. more marketable.

Consider updating washing it as well as the walkways.

Pressure washing washing canlawn makeornaments everythingfrom look the newyard. again.

Also, you’ll it really makes aand difference.

If you have a pool, I suggest considerably it really makes a difference.

If you Lastly, dependent on down a few interior lights, if what you currently have is out-ofcan make everything new again.lawn Also, you’ll want to remove any debris overlook abundance a pool,when I suggest selling wheneven the pool is have open,toeven if the pool is open, if you open the time of year,orplanting flowers inofthe yard and potshaveselling date.

Lighting costsorhave come down considerably and wantthe to remove any debris or over ornaments from yard. Lastly, dependent onabundance the time of of you early have or to open it early leave open later in the season. leave open later initthe season. at the entrance is a nice touch and adds color. it really makes a difference. If you have a pool, I suggest lawn ornaments fromand thepots yard.atLastly, dependent year, planting flowers in the yard the entrance is on selling when the poolthat is open, even if you have to open a nice touchthe andtime addsofcolor. year, planting flowers in the yard and potsThere are so things can be to enhance your There aremany so many things that candone be done to enhance Interior... start by becoming a minimalist. Clutter is early or leave open in the Iseason. home without a lotit of costlater involved. could go on and on. at the entrance is a nice touch and adds color. your home without a lot of cost involved. I could go on notby your friend! aYou are selling space,issonot remember, Interior...Start becoming minimalist.

Clutter your The key is to start now and don’t wait until the last minute. and Themuch key is to start now and don’t wait until if you can’t see it, you can’t sell it.

Time to pack up friend! You are selling space, sobecoming remember,a ifminimalist. you can’t see taskon. will you’ll to enjoy the the There arebe so manyeasier thingsand that can get be done to enhance Interior... start by Clutter is The last minute.

The task will be much easier and you’ll get the family photos, knick knacks, overabundance it, you can’t sell it. Time to pack up the family photos, knick until the property on the market youryourself, home without a lot of costgoes involved.

I could goand on not your friend! You are selling space, so remember, updates to enjoy the updates yourself, until the property goes on of furniture, etc.

Some people rent apeople storagerent bin to is sold. knacks, overabundance of furniture, etc. Some and on. The key is to start now and don’t wait until the if you can’t see it, you can’t sell it.

Time to pack up a storage bin to itget out ofhouse the house create space. the market and is sold. get outitof the and and create space.

Kitchen last minute. The task will be much easier and you’ll get the family photos, knick knacks, overabundance Kitchen and and bathroom vanity counters should be clear of of If your have real estate questions, contact Scott at bathroom vanity counters should be clear to enjoy the updates yourself, until the property goes on of furniture, etc. Some people rent a storage bin to 724-838-3660 excessive items, as possible.

Refrigerator magnets affixing scott@scottludwick.com If your haveorreal estate questions, contact Scott at excessive items, as possible. Refrigerator magnets the market and is sold. get it out of the house and create space. Kitchen 724-838-3660 or scott@scottludwick.com affixing your children’s latest works of art, pictures, and bathroom vanity counters should be clear of If your have real estate questions, contact Scott at excessive items, as possible. Refrigerator magnets 724-838-3660 or scott@scottludwick.com affixing your children’s latest works of art, pictures,

Lowering the Cost of Health Care

By The SecondHalf Coach Wealth Management Team

America's spending on health care is growing faster than the rest of the economy. What are the reasons for this, and what can you do to lower your health-care costs?

WHY IS THE COST OF HEALTH INSURANCE RISING?

The main reason for premium increases is the growing cost of health care itself.

Several factors are contributing to the rise in health-care costs: • Increase in the average age of the population • New medical technology • High administrative costs • More government regulation • Oversupply of health-care facilities • Overuse and misuse of medical services • Prescription price increases and their increased use • Tougher medical provider negotiations with health plans • Consumer demands for easier and broader access to care • The medical needs and demands of 77 million baby boomers • Investors putting pressure on insurance companies to be profitable What can you do to lower the cost of health insurance?

Obviously, there are areas you have no control over. But there are some things you can do.

BECOME AN INFORMED CONSUMER

Group insurance is less expensive than individual health insurance. If you can't get group coverage from your employer, investigate buying insurance through another group such as a fraternal or professional association.

If individual coverage is the only alternative, look at different types of plans. For example, if you need insurance for just you and your spouse, individual policies may be less expensive than a family plan. Research the benefits and options. Find out which best suit you and your family. Don't buy more insurance than you need. Many on-line resources are available to help you purchase health insurance. However, an insurance agent or financial advisor may save you both time and money.

You may be able to save money by self-insuring against routine medical expenses (i.e., paying routine medical expenses out of pocket) and buying major medical insurance to cover only costly illnesses or emergencies. If your cash reserve is large enough to pay for minor medical expenses, you should consider choosing a higher deductible. For example, increasing your deductible from $250 to $500 could significantly lower your insurance premiums.

You may also shop for health insurance coverage through either a state-based or the federal health insurance Marketplace. You can compare health plans according to price and quality, and purchase an affordable plan through a Marketplace that best meets your health insurance needs.

Other ways to reduce premiums • • •

Avoid purchasing single disease policies Avoid duplicating any coverage your spouse may have from his or her employer Ask how much you can save by paying premiums annually

After you determine what you need, compare at least three companies for the best deal. Remember that the lowest price does not necessarily mean the best plan.

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GOAL: A Publication of Go2Goal, LLC

Individual Commitment to a Group Effort

Ask questions such as: • • • • • • •

What is the plan's history of premium increases?

How much notice is given before a premium increase?

How are deductible and out-ofpocket costs figured?

What are the co-payment levels, and when are they charged?

What is excluded?

How long is the free-look period?

Is the insurance company financially healthy?

Try to get quality and accreditation reports on the plans you are considering. Quality reports contain consumer ratings that outline how satisfied consumers are with the doctors in their plan and how well a health-care organization prevents and treats illnesses. Accreditation reports give information on how accredited organizations meet national standards, and often include clinical performance measures. Most employer groups can provide this information. Talk to your plan's administrator or customer service department.

DON'T LIE

Be truthful on the insurance application. If you make a minor error, such as your month of birth, there shouldn't be a problem. However, if you fail to report that you are a smoker, benefits could be denied for smokerrelated problems that you might later develop. Worse yet, your policy could be rescinded, leaving you with no coverage at all.

Control your out-of-pocket costs

Avoid unnecessary surgery. Ask questions. If it's not an emergency, find out if there are alternative treatments.

It is your responsibility to make sure that you are covered for certain procedures. If you choose an elective surgery, make sure that your policy will cover it. Do the benefits include hospital and doctor's fees? Some plans pay only one or the other.

Does the plan pay a percentage of the actual costs, or does it pay based on a set fee schedule? A plan that pays 80 percent of a fee schedule instead of

Individual Commitment to a Group Effort

80 percent of the actual costs can end up costing you more out of pocket.

Ask your doctor if he or she will agree to accept the insurance company's set fee. And ask about home health care for your recovery. Home care would be less expensive than a nursing home or hospital stay, and you'd be able to recover in the more comfortable environment of your own home.

Each year, check the coverage of your policy. Make sure that it's keeping up with the changing needs of you and your family. Check rates when your lifestyle changes, such as moving to a new part of the country or getting married. When your children go off to college, look into college health plans.

Some are subsidized by tuition and might save you money.

TAKE ADVANTAGE OF TAX DEDUCTIONS Medical expenses are generally deductible to the extent that they exceed 10 percent of your adjusted gross income.

Deductible expenses can include: • • • • • • •

Insurance premiums Prescriptions Doctors and dentists Hospitals and clinics Lab and X-ray fees Glasses and contact lenses Transportation for medical reasons

Note: The threshold for deductible medical expenses is 7.5 percent for those age 65 and older until 2017, at which time the threshold increases to 10 percent.

WORK TO CONTINUALLY SAVE MONEY •

• • • •

Live a healthy lifestyle. For example, a smoker who quits can usually receive a premium reduction.

Ask your insurance company about other discounts.

Take advantage of free health screenings at local clinics, hospitals, and health fairs.

Avoid the overuse of antibiotics.

Watch your co-payments and outof-pocket expenses to make sure that you don't overpay.

Reducing the amount of care you require will pay off. You will save money in out-of-pocket costs, insurance premiums, and lost time from work. But the greatest payoff will be a longer and healthier life.

GOAL: A Publication of Go2Goal, LLC

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Top 5 Things to Consider when

High School Highlights

Purchasing Your Office Document System

By Total Service, Inc.

By Helena Zimmerman

GOAL Magazine believes in the importance for high school students who excel in their sport, and in the classroom, to be recognized for the hard work and dedication they exemplify. Sports, organizations, and outside activities aside from students’ education are essential to finding friends, memories and skills that will last a lifetime. In this series, a local undergraduate student, Helana Zimmerman, will be interviewing students from area high schools who not only dominate their sport, but are also outstanding young community members. The following short stories are of two students from Greensburg Salem High School: Connor Jobe, a soccer player and Riley Kwiatkowski, a cross-country runner.

Many variables are part of the evaluation process when selecting a new office multifunctional printer (MFP).

Whether the decision to purchase a MFP is a result of necessity or part of an overall print fleet realignment, the buyer needs to be well-informed. Buyers need to take these five predominant factors into consideration before purchasing or replacing a new MFP:

1

COST PER COPY

2

ACCESSIBILITY

3

OUTPUT QUALITY

4

SECURITY

Cost per copy (CPC), is a means for determining the cost of owning and operating an MFP, taking into account all the associated costs of the device. Many other factors can contribute to this figure for each individual business, from the type of output being printed on the device, to the brand of cartridge/toner being used, to the environment in which your printer operates. Make sure to consider all the necessary variables to most accurately forecast the CPC and ultimately the overall cost of your new MFP.

Networked MFPs are the ideal solution for print environments with multiple print users, but many businesses now consider mobile accessibility a necessity. Office MFPs that support mobile printing may also offer reviewing and editing capabilities for on-the-go professionals. Ensure that your new MFP offers the accessibility demanded by your line of business users whether it’s wireless, mobile or offsite connectivity.

CONNOR JOBE is a 16-year-old student transitioning into his senior year. As a soccer player, he is currently positioned as Greensburg Salem’s starting forward. This season he led the Golden Lions to a 9-3 conference record and their first playoff berth since 2010. Not only does Jobe play each fall for the school, but he also participates year-round in both indoor and outdoor soccer organizations. Jobe’s love for soccer began at just 4 years old, but he stopped playing for a short period of time. After his friends started to join soccer teams, he decided to give it another shot. As a dedicated player, Jobe attends camp each summer including a practice camp at St. Vincent College. Off of the field, he enjoys golfing and fishing. He shares his passion for soccer by coaching 8-year-olds at the YMCA. Jobe’s dream would be to play in college, although he’s not sure if he wants to be a gym teacher or an architect. He is looking forward to many opportunities that will surely be presented in the future.

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GOAL: A Publication of Go2Goal, LLC

RILEY KWIATKOWSKI, a 17-year-old, about to enter

her senior year of high school, has been a part of the cross country and track team for many years. In 8th grade, Kwiatkowski was competing in track meets when her coaches approached her about cross-country. She tried it out and found that she loved competing and would stick with it through her high school years. As a freshman, Kwiatkowski placed 25th at the Pennsylvania State Competition where she received a medal for her efforts. As a sophomore, determined to improve, she was awarded a medal for 8th place in the same competition. During her junior year, amid injury, she was distinguished with the honor of captain of the cross-country team. Outside of school and sports, Kwiatkowski likes to hang out with her friends and volunteer.

In the past, she has assisted in coaching a basketball team for the Special Olympics. She also is involved in volunteering with a program that helps children become more active at a facility by her house. Other accolades include holding numerous school records: the fastest two-mile, mile, and the 4x8 relay in track and the cross country course record at Greensburg Salem High School. Looking to the future, Kwiatkowski wants to compete in track and field or cross-country while studying to become an elementary school teacher.

Individual Commitment to a Group Effort

There are a number of technical means for quantitatively measuring output quality, but the most important factor is business need. Does your business need high-quality color output? Is reliable black-and-white printing important? Will you be printing in high volumes (this may affect quality consistency over time)? Every print environment has unique needs for quality, which contribute to the decision making process. Quality testing should be proven and tested prior to purchase to make sure that your business’ need will be met.

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SCANNING OPTIONS

Network scanning is a prominent part of many workflows, but can be a bottleneck for productivity if devices are not enabled with the proper capabilities to manage this function. Many MFPs offer scanning options to not only improve the speed and precision of scans, but also accompanying software to manage the distribution of scanned document as necessary. Even if you do not rely heavily on this function, having it available and reliable is a good idea, should the need arise.

Sharp MFPs are not your typical all-in-one copier, printing, faxing and scanning devices. Precision engineered to help increase workflow efficiency and provide exceptional image quality, Sharp MFPs are easier to operate, control, monitor, manage and maintain, helping take your business to the next level.

724-539-8824 www.totalserviceinc.com

Protecting confidential information is important for nearly every business, regardless of size or industry. Some may be required by law to secure printed/copied/scanned documents (i.e. legal, healthcare), while others simply need to protect proprietary information from falling into the wrong hands. The concern for MFP security has been prominent in recent years, so whatever level of protection you are looking for, ensure that the MFP has the security measures and options in place to protect your data as you see fit.

Authorized SHARP dealer for Westmoreland, Indiana, Somerset and Fayette Counties.

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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THERE’S GOOD REASON TO BE EXCITED ABOUT THE HOUSING MARKET IN 2016

What Happens After We're Gone?

By Anthony E. Slezak, Managing Partner/Financial Planner, The SecondHalf Coach, Inc.

S

tarting at a young and impressionable age of 22 I never imagined I would be seriously thinking about charities and what my legacy would be. Just like many of you reading this article Sheri, my wife, and I went through our impressionable years struggling. I couldn’t afford to get married, buy a house, build an office or have kids 1, 2, and 3. We all fear the unknown so I guess we weren’t alone. I had the honor and privilege over these short 30 years to witness some of the great deeds clients have done for their charities. It is heartwarming to hear someone tell you they had nothing growing up, worked hard, did well for themselves, and now they’re helping someone else. “Pay it forward’ is a common theme. I must admit during these early days watching charity in action left me a little green with envy.

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GOAL: A Publication of Go2Goal, LLC

So here I am at 52 years old. I still have a long way to go before retirement.

I am living proof of the old adage, “if you like what you do you will never work a day in your life.” I have had the misfortune of watching a parent pass away and watch family members struggle with health issues. I got to watch my daughters play collegiate sports, and my son become an Eagle Scout. All of these ups and downs have given me a great assessment on my life. It’s been great! I have the best family and work family.

Shouldn’t I be giving more of my time talent and treasure? So we come full circle watching good people give of themselves to sitting with trust attorneys trying to make a decision on my own family’s legacy. I wish I had learned at a younger age that it doesn’t take money to be charitable. There is always time and talent. Never thought I had enough time, and what could I possibly offer? The reality is we can always make time and help is always appreciated.

So maybe we know who we want to help, but will our gift be used the right way. In my opinion if you are giving to a large organization you have to have faith your gift is going for the greater good. I try to support this theory, but I admit I get the greatest satisfaction helping closer to home. I am an Eagle Scout so I have always supported the

Boy Scouts of America. But, supporting my son’s troop and watching him become an Eagle Scout was a much warmer feeling.

What happens after we’re gone? I guess I better have a plan. Know what your wishes are and communicate them. If your family is to be involved, let them know what their role will be.

I foresee my children carrying on our wishes and there will be a document in place explaining it. I spend many hours explaining, pleading, and begging our clients to make a decision and get a plan, but now that I am “that guy” I understand the difficulty. We work our whole lives to create something and having to sum it up on paper about how it works is difficult and uncomfortable.

By Inselmini Construction Company Recently released economic data points to several good reasons to consider your options as a homeowner in 2016, and now is the perfect time to start the process. Mortgage rates are still below 4% and existing home sales are rising (up 11% from last year). There are low-down payment and no-down payment mortgages available, and banks are doing a much better job approving purchase loans. Nationally there’s a scarcity of new homes for sale. Active buyers are finding it hard to find homes to purchase which leads to multiple-offer situations and difficult negotiations. Home prices are also on the rise.

Why act now? The trends in the current housing market will continue until more homes become available. It’s simply a matter of supply and demand economics. Current homeowners will have to move up to larger, more expensive homes, therefore opening the market for first-time home

buyers. Real estate developments and specialized homes must be made available to first-time buyers and “move-up” buyers. Even baby boomers looking to scale down contribute to the overall market activity.

There has not been a better time than now to consider building or buying a new home. With low mortgage rates and the cost of materials nearly flat, it’s an economical decision if you are in the market. We hope you’ll consider Inselmini Construction Company for your next new home.

Until next time...this is The Hammer Reports

In spite of what I read in the paper and watch on the news, this is a wonderful country that we live in and I am truly grateful to be in the position to help guide friends and clients down some dark and windy roads. Hard to believe it has been 30 years because I feel like I am just getting started.

“

There comes a time in your life that you think about a legacy.

We preach to our children to think of others first, but we get in our cars, go to work and worry about what’s in it for me.

“

I spend my working hours communicating facts, but this column is about feelings.

There comes a time in your life that you think about a legacy. We preach to our children to think of others first, but we get in our cars, go to work and worry about what’s in it for me. So the kids grow up and out. The dust settles, and you look around at what you have accomplished. You realize for the first time what is important and it isn’t “stuff”. For me, it is amazing that Sheri and I get to go places and enjoy each other again, and my adult children are really inspiring to be around.

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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KEEPING THE BOMPIANI HISTORY ALIVE

By Dr. Luka Bompiani chiropractic was born into the Bompiani family. Currently two of Lou's sons, one of his daughters and one of his son-in-law’s are Chiropractors in Pennsylvania, Michigan, and Virginia.

Two of his granddaughters are also Chiropractors in Pennsylvania and Michigan and one of his grandsons is also a Chiropractor in Pennsylvania.

The seed of chiropractic was planted in the Bompiani family over half a century ago by Louis Bompiani.

Lou (who was legally blind) became a licensed massage therapist in the 1950's. In the early years he treated patients in his home in Youngwood, Pennsylvania. Then in the beginning of 1960 he established Lou's Health Center where he treated patients with massage therapy, steam baths, and nutritional counsel. He was far ahead of his time and believed that true health and wellness came from within the body. He was able to provide for himself and his family, but wanted more for his children.

In keeping with his belief in the power of the human body to heal itself, he sent and paid for five of his seven children to go to Palmer College of Chiropractic. It was here that

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GOAL: A Publication of Go2Goal, LLC

The Bompiani Chiropractic Clinic was established by one of Lou's five sons, Dr. Anthony L. Bompiani. Dr. Anthony graduated from Palmer College of Chiropractic in 1976. Shortly after, he moved back to Youngwood, Pennsylvania to practice chiropractic.

On September 12, 1977, Dr. Bompiani opened the Bompiani Chiropractic Clinic in Youngwood.

After a few years, he purchased the building that housed Lou's Health Center from his father and moved the Bompiani Chiropractic Clinic to this location. For years he and his father worked together in this building at 403 South Third Street in Youngwood.

which Lou Bompiani was known for.

At this time, Dr. Anthony owns and runs the practice. He employs two other Chiropractors, his son Dr. Luka Bompiani and his brother, Dr. Cataldo Bompiani.

Bompiani Chiropractic has now been serving Westmoreland County for over 35 years. During that time, they have made a name for themselves by providing quality, complete chiropractic and wellness care.

Bompiani Chiropractic Clinic has made it their duty to make a difference in the community by providing the utmost standard of care, introducing the most natural and effective route of medical care to patients in pain as well as promoting quick recovery to their many treating athletes. This is exactly what Lou set out to do so many years agohelp others live pain free and provide them with the tools to live their best life possible.

The Bompiani family Is about to take the next step…

Bompiani Chiropractic will be transitioning to Bompiani Spine and Sport.

Bompiani Spine and Sport will continue the mission of Lou’s Health Center and Bompiani Chiropractic, but will do so on another level.

It will still encompass their core values and level of experience, but by integrating new techniques and state of the art equipment.

Bompiani Spine and Sport will be operating under the care of Dr. Luka Bompiani out of Youngwood, PA, but will be adding a satellite location in Latrobe, PA in the very near future. Dr. Luka, Dr. Anthony and Dr. Cataldo, the doctors of Bompiani Spine and Sport, are truly passionate about promoting wellbeing through chiropractic whether it be for infants, athletes or elderly. This is only the beginning of an amazing path that they feel blessed to be on.

Their ultimate goal is to keep the Bompiani history alive while bringing their high level of care to a wider range of people. Living in pain is not a lifestyle, and Bompiani Spine and Sport will be here for years to come to help patients reach their full potential to live their best life possible.

Dr. Bompiani is still seeing patients at the location where his father started it all almost fifty years ago. The Bompiani Chiropractic Clinic continues to provide patients with spinal adjustments, massage therapy and physical therapy using the same care and integrity for

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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DRESS LIKE THE PERSON YOU WANT TO BE Curated by Style Strategist Bear Brandegee

“

What we choose to wear has a psychological impact on how we feel, how we perform and how we are perceived,” explains Bear Brandegee. “As a style strategist, I help my clients find and maintain their most powerful and authentic look that supports their lifestyle so they can achieve the outcomes they desire.

“

B

ear, who channels her 20year, corporate marketing and branding experience into helping women crack the code on their own personal brand, will be our featured style editor in each edition of Goal Magazine. When not joining us on this collaboration, Bear works privately with clients to help define their signature style so they can become more confident, more influential and, ultimately, enhance their economic stature.

With an MBA from the University of Southern California and a Fashion Merchandising degree from The Fashion Institute of Design & Merchandising LA, Bear merged her passion for women in business, and the concept of “dressing your message” into her own second career. In 2002 she opened her award-winning style business and has been curating countless looks for women who run their businesses and their households ever since.

Last year, Bear launched her Worth New York Showroom for the iconic American fashion house in Downtown Pittsburgh where she hosts seasonal trunk shows and dresses women for life.

Bear started thinking about becoming a professional stylist when she surveyed her own marketing career and realized she had indeed dressed like the person she wanted to be. By the time she was 30, Bear held the position of vice president at one of the largest PR firms in the world. By 32, she had climbed the ranks to speech-writer and media relations advisor to the chairman of Mitsubishi Electric. And by 37, she had co-founded a $40 million internet company.

Fast forward to today, beyond her deep knowledge of fit, color and style and her talent for mixing and matching, what sets Bear apart, is that she’s walked in her client’s shoes. Bear knows first-hand what it’s like to have no time while needing to be dressed for everything from work and evening events to travel and managing her household.

In Bear’s showroom, clients enjoy a guided style and wardrobing experience that is truly unique. She dresses woman for every occasion - whether it be

for the boardroom, public speaking engagement, daily looks for the office, a vacation, a gala or home life - she creates distinctive looks that reflect her client’s personality and lifestyle.

“Women want help zeroing in on how to maximize their options to go from day to evening and from weekday to weekend while looking and feeling amazing.” Bear has made herself indispensable as a style expert who can crack the code of what works best for each client’s body type, personality and lifestyle.

BEAR’S PARTNERSHIP WITH GOAL AND THE SECONDHALF COACH TEAM In each issue of GOAL, Bear will highlight a personal style makeover of a SecondHalf Coach client. The makeover experience will include a complimentary new hair style and makeup application and instruction as well as a wardrobe update dictated by the client’s specific needs and budget.

Each makeover participant will also receive a one-hour complimentary closet review and will be featured in GOAL magazine.

If you are interested in a style makeover for publication in one of our upcoming GOAL Magazine issues, please write to Bear at wardrobe@bearbrandegee.com and share with her what you are trying to accomplish in your life and what is motivating you to seek a personal style update.

Whether you were just promoted; just got a new job; were recently married or are planning your retirement look, Bear will look forward to hearing where you are in your life and how she can help you update and refine a look that’s just right for you.

WIN

A STYLE

To learn more about Bear Brandegee visit her website at www.bearbrandegee.com

MAKEOVER!

Check out page 43 for an event invitation!

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GOAL: A Publication of Go2Goal, LLC

Photo Credit: April Hubal

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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ENTREPRENEUR SPOTLIGHT

All Saints Brewing Company: Jeff Guidos

By Coby Detar, Communications Manager, The SecondHalf Coach, Inc.

I want to prearrange my funeral.

Where should I begin?

This is a question often posed to many funeral directors. My advice is to start with the basics.

Jeff Guidos, owner of All Saints Brewing Company in Greensburg, started his career working at Red Star Brewing & Grille in the Greensburg Train Station. After attending St. Vincent College with a certificate to teach in chemistry, Guidos decided to put his knowledge to the test with learning how to brew beer. Upon the closing of Red Star Brewing & Grille, Guidos has turned his aspirations of starting his own brewing business into a reality. When choosing a name, All Saints Brewing Company, came from some influence from St. Vincent.

He wanted to find a specific saint that would fit with the image, but decided to go with “All Saints” instead, and now individually names the beers by different saints of his choosing. The following questions were a result of the interview between Coby Detar and Jeff Guidos:

1. HOW DID YOU GET STARTED BREWING BEER?

I got started brewing when I was in college and my roommate was a drummer in a band. We decided to make our own home brew system and learned how to do small amounts in our room.

2. HOW DOES YOUR TEACHING CERTIFICATE PLAY INTO YOUR CAREER? My teaching certificate has helped me in many ways.

Although it’s not necessary to have knowledge of chemistry for brewing, it was very helpful when learning the technique of things and how much goes into each batch. Also, I love to teach and this is a great way to teach people about beer.

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3. HOW LONG DOES IT TAKE TO BREW A BATCH OF BEER AND HOW MUCH DOES IT MAKE?

It takes about three to four weeks in total from start to finish and will normally make 14 kegs of beer.

4. WHAT RENOVATIONS ARE IN CONSTRUCTION AT ALL SAINTS BREWING COMPANY?

Currently, we have the Tap Room where guests can come and taste the different beers we have on tap. But, we are completely remodeling the inside and outside of the distillery. The inside will be revamped with a bar, bathrooms and a possible banquet style room. The outside will become a place where bands can play and people can come enjoy the music and great tasting beer.

5. WHAT IS YOUR FAVORITE BEER?

My favorite in-house brew that we make is our English Brown Ale, but if I had to choose a beer outside of All Saints Brewing Company, I would pick Sam Adams: Boston Lager.

Individual Commitment to a Group Effort

Prepare a list of the information that tells people who you are. Funeral directors often call this your vital statistic information. This is the information that will be needed to complete important documents such as your death certificate, Social Security forms and insurance claim forms.

It includes – your full legal name, date of birth, place of birth, Social Security number, mailing address, father’s name, mother’s name (including maiden name), your occupation, did you ever serve in the armed forces, what is the highest education level you obtained, what is your race, your spouse’s full name (including maiden name if applicable), spouse’s date of birth, and your date of marriage. Make sure all spellings and dates are correct and that everything is legible.

Many funeral homes have forms to collect this and other information and would be happy to provide you with a copy.

Once you have this list, make sure you keep it in a safe place where whoever will be making your funeral arrangements can easily access it. Finally, make an appointment with your funeral director and give this information to them to keep on file for you.

If you have any questions regarding funeral planning, please give me a call and I will help guide you through the process.

Kelly D. Frederick Funeral Director/Supervisor Frederick Funeral Home, Inc.

Individual Commitment to a Group Effort

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Transform your home with landscaping COMMERCIAL & RESIDENTIAL

| Retaining Walls | Stone & Mulch | Patios & Firepits

| Spring/Fall clean-up | Planting & Trimming | Concrete | Snow Removal | Lawn Maintenance

AFTER

BEFORE

724-454-7034 www.shafferslandscaping.com

Ensuring Your Grandkid's Future

Golf tips from Richard J. Battaglia:

By Lisa A. Krall, Financial Planner, The SecondHalf Coach, Inc.

Let’s look at my children as an example.

My husband and I have been blessed with two amazing little boys ages 8 and 5. According to savingsforcollege.com, if my goal is to cover 100% of my older son’s college education at a 4 year public school, I would need to start saving $726 per month to meet the goal of $157,145. For my 5 year old, I will need to save roughly $176,767.

Tack these costs onto the already heavy cost of daycare and I sometimes wonder how is this all possible? I have made a career out of helping people to save money and here I am, overwhelmed at the thought of how to get my children an education! These large, frightful numbers are why 529 College Savings Plans are now part of the long term savings plans, retirement and estate plans for my family and me.

T

he retirement picture is changing here in America. It used to be that a person would work hard during their lifetime, provide a home to their families, and then retire with the ability to finally spend time with their spouse, children and grandchildren. Currently, with the need and cost of education continually increasing, retirees are considering college expenses for their grandkids as part of their retirement and long-term estate planning goals.

According to CNN, between 2000 and 2013, the average tuition at a four-year public college rose by 87 percent, while the median income for the middle fifth of America only increased by 24 percent. This is a drastic increase that most families are finding hard to keep up with. It is a statistic that is mind boggling and scary to not only to people like me with young children but also to the grandparents who know the value of an education and worry that their grandchildren may not be granted that luxury. Since 2011, the enrollment

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Since their introduction in 1996, college savings plans, also known as 529 Plans, have become to college savings what 401K plans are to retirement.

They offer a unique mix of benefits to grandparents, parents and children.

529 Plans are accessible to people in all income levels and have very generous tax advantages. In using them for my children, I find that our family members love the idea of helping them pay for college instead of buying them yet another toy to break!

The special tax rules that are set up for a 529 Plan allow you to save for a child’s education in a way that reduces your estate assets and minimizes potential gift and estate taxes. Under the special rules, you can make a contribution of $14,000 ($24,000 if married filing jointly) per beneficiary per year. This money is immediately removed from your estate. There is also an option to make a lump sum contribution equal to 5 times the federal gift tax exclusion ($70,000 if single, $140,000 if married filing

jointly). The donor would then file a gift tax return instructing the IRS to recognize the contribution over a 5 year period. The donor would not be allowed to make any other gifts to the recipient in that 5 year period and the contributions are prorated if the donor dies during the 5 year period.

“

According to CNN, between 2000 and 2013, the average tuition at a four-year public college rose by 87 percent.

“

numbers in US colleges has been decreasing with more people citing that they simply cannot afford the debt that they would have to take on to get the education.

The grandparent isn’t required to be the owner of the 529 Plan, but some advantages are very appealing to the grandparents and parents alike. As the owner, even though the asset is out of the grandparent’s estate, the grandparent retains some control over the asset. They can choose the investments and even change the beneficiary of the 529 if needed. Also, depending on the rules of the higher education institute, money being headed in the grandparent’s name may not have to be reported to FASFA until the withdrawal is made. This would allow you to possibly defer withdrawals of the asset until the child’s junior year and effectively go unreported to FASFA during the child’s entire 4 years of schooling.

Richard J. Battaglia has been the PGA Golf Professional at the Latrobe Elks Golf Club since 1995.

Benefits of custom fitted golf clubs:

Most golfers who buy a set of irons feel that they are not good enough at golf to buy custom fitted golf clubs, so most golfers will buy clubs off the rack. Golf professionals that fit golf clubs agree that most golfers hit the ball off line because they have not been custom fitted. Golfers have enough things to think about when trying to make a good swing, but trying to compensate their swing with clubs that do not properly fit can be even harder. Playing golf with clubs that do not fit for shaft length, lie angle, shaft flex, grip size make golf all that more difficult.

Another reason people don’t get custom fitted is the cost and the time it take for the fitting session. We at the Latrobe Elks take away these two reasons. The fitting session will only take about an hour to get fit for a set of irons; sometimes less. Also there is no charge for the fitting if the clubs are purchased at our pro shop. We have been fitting golf clubs for over ten years. Our golf shop features Titleist and Ping equipment, but we can fit golf clubs from a variety of companies.

If you still do not want to take the time to get fitted, golfers can go to pinggolf.com and go to the Ping Web fit page and get fit online based on basic static measurements, swing speed and typical trajectory.

Other fitting options that could save some money would be to have your current clubs adjusted to fit your new specifications. This would involve adjusting the lie angle, maybe re-shafting your clubs, and new grips.

All of these services are offered at the Latrobe Elks Golf Shop. I will be able to take care of all your golfing needs.

From custom fitting clubs, club repair, apparel, golf bags, golf shoes, and much more. Off course golf shops do not care about the personal touch that we can offer. Feel free to stop by the pro shop or call to make a fitting appointment at 724-539-8511. Membership not required to use the pro shop services.

Richard J. Battaglia PGA Golf Professional Latrobe Elks Golf Club

We would be glad to help you improve your game.

Bring this article to your fitting and

SAVE $50 on any golf club order over $300.

College savings is a monumental task in this day and age. My family and this career have taught me that there is no one “right way” to achieve financial success. There are many paths that we can choose in life. Together, no matter what path we take, we can achieve our goals and make your dreams more of a reality.

Individual Commitment to a Group Effort

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

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GLLV Chamber Celebrates New Route 30 Corridor Development

Be a Mentor and Coach

Millennials have a positive self-image of themselves.

This can often be confused with cockiness. Group studies of millennials have proven that 72% of them would prefer to be their own employer. If they work for a company then, 79% would prefer their supervisor to be more like a mentor or coach. Make no mistake, they like constant feedback. Millennials come to the Army with a can-do attitude and only a leader can destroy that attitude.

Cultivating that spirit into a future leader will help the Army develop the Army of 2025. The days of just saying, “Fix it” are over. A leader has to engage the millennial in such a way as to show them how to get back on track. The leader also must engage every part of that process and if the Soldier cannot repair then the leader needs to move them out of the Army. Leadership is coaching and mentoring, it just means

By Mike Dudurich, Media Writer Travelers along the Route 30 corridor in Unity Twp. have noticed the landscape changing.

Earth has been moved, framing has gone up and interior and exterior work has progressed to the point that three new buildings now stand and all are expected to be full and open for business by mid-July at the latest.

The new structures are part of two separate projects. Traveling east past Sharky’s Plaza the first two buildings will make up the Unity Village Shops.

One building is home to Starbucks and the new home to the Verizon Wireless Zone store that has been located nearby on Sharky’s Dr. The third tenant in the Shops will be Pet Valu, a national chain of stores devoted to pets. It will take the entire second building.

Ray Kyle, project manager for Black Oak Associates of Towson, Md., said location was the key with the Unity Village Shops project.“It’s completely the Route 30 traffic and visibility,” Kyle said. “Having a lighted intersection with 30 is big. It’s great visibility and access.”

Kyle said having Starbucks as a key tenant is big for the project. “Starbucks has some very strict criteria about where they locate,” Kyle said. “They really do their homework. If they’re not 100 percent sure, it won’t happen.

Their research is very sophisticated and if they commit, they know they’re going to do well.”

GLLV Chamber staff, board members, ambassadors and community leaders joined the staffs of Starbucks and Verizon Wireless Zone to officially open their new locations on Rt. 30.

“Any time you get commercial development, it creates more jobs, creates more of a tax base,” said Mike O’Barto, Chairman of Unity Twp. Board of Supervisors. “This adds character to Unity Twp. and it’s great to see businesses investing in Unity Twp. Little by little we’re adding jobs and adding to the area.”

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That’s good news for the other tenants and Wireless Zone manager Alberto Roman is very happy to join Starbucks in the new location. “We’ve kind of been hidden in the back,” Roman said.

“I can’t tell you how many people have told me they’ve lived their entire lives in Latrobe and didn’t realize Verizon was here. For us to be visible on Route 30 is very important. This is the spot we wanted to be in originally, but it didn’t work out. We’re very excited.”

“We’ve basically had the property for a period of time,” said Mike Rossi, the owner of Westmoreland Mechanical Testing & Research in Youngstown.

“We approached some people who expressed a need for rental property along the Route 30 corridor. We checked out the feasibility and felt there was that need and that we could get a return on our investment.”

The ownership of the property is Forbes Road Plaza, LLC, a Rossi family ownership. Rossi said the project was put on hold for a significant period of time because of a lack of access to sewage and it took two years of work to get that accomplished. “The whole thing has been a process, that’s for sure,” Rossi said. “But it’s finally coming together.”

As both projects near completion, residents and visitors to the area will have more shopping options in their back yard. “I say the more people in the mix is good for all businesses,” said Ralph Scalise, whose company, Scalise Real Estate, manages the Latrobe 30 Shoppes. “There’s a symmetry that comes from it. I’ve always believed if you bring more retail together, that breeds more retail.”

On May 17, ground was broken for Excela Square at Latrobe, a facility that will encompass 115,000 square feet and will be a three-story stateof-the art ambulatory care center.

Construction is scheduled to be finished in the fall of 2017 and the building is expected to be under roof

by January of 2017.

“The new facility is a culmination of a comprehensive strategic plan completed by Excela Health which examined our hospitals, patient procedures and outcomes, as well as trends in health care to determine current and future needs,” said Robert Rogalski, Excela Health’s Chief Executive Officer.

"It has been exciting to see the activity and new construction," said GLLV President & CEO David Martin.

"Our area has much to offer and it is gratifying that national chains like Starbucks and Pet Valu have seen that.

The new retail space, the recent growth in the Latrobe 30 Shoppes and the upcoming Excela Square at Latrobe project will benefit our entire region for years to come."

Individual Commitment to a Group Effort

By Command Sergeant Major Steven R. Laick

that now more than ever leaders need to be more involved in every aspect of a Soldiers growth and development.

Negative behavior developed in this generation is the result of bad leadership and will require leaders to take a good look in the mirror to ask the question, “Am I doing something wrong?”

Listening to Soldiers is probably the best thing a leader can do for any organization. Millennials are an extremely intelligent group of Soldiers. Being a mentor and a coach demands great active listening skills when dealing with this generation because they want to offer improvement to the organization too. If a Leader is doing all of the talking, then the millennials will feel like they are not part of the solution. This is the technological generation, and they have creative ideas to eliminate old boring ways of getting the job done. Whoever said that a leader could not learn from their subordinate? It is important for all leaders to start the bottom up learning environment in order to move closer to an Army of 2025 where the millennial generation wants to be a part of the future of this organization. Leaders who learn to become better mentors to this generation will do far better than other organizations do at building a solid team of professionals.

Command Sergeant Major, US Army Recruiting Battalion Harrisburg Command Sergeant Major Steven R. Laick A native of Wichita Falls, Texas, Command Sergeant Major (CSM) Laick enlisted as a Soldier in 1989 in the Army Reserves as a Single Channel Radio Operator (31C) and Cannon Crew Member (13B). CSM Laick left the Army Reserves in March of 1993 to pursue his military career on a full-time basis enlisting into the Active Army as an Armament Systems Repairer (45K).

CSM Laick attended Basic Training at Fort Jackson, South Carolina and advanced individual training at Fort Gordon, Georgia. After returning to his Army Reserve unit, he attended Artillery School at Fort Sill, Oklahoma. Upon entry to active service, he attended Armament Systems Repair School at Aberdeen Proving Ground, Maryland.

CSM Laick’s military education includes the Airborne School, Warrior Leaders Course, Combat Life Savers Course, Air Assault Course, Advanced Leaders Course, Recruiter Course, Station Commanders Course, Senior Leader Course, First Sergeant Course, Recruiting Master Trainer Course, Force Management Course, Master Resilience Trainer Course, and the United States Army Sergeants Major Academy (Class 65). His civilian education includes a high school diploma from Hirschi High School, an Associate’s Degree for Business Management from

Individual Commitment to a Group Effort

Barstow Community College, and a Bachelor of Science degree in Business Administration with a minor in Marketing from Columbia Southern University where he graduated Cum Laude.

CSM Laick’s decorations include the Meritorious Service Medal with two Oak Leaf Clusters; Army Commendation Medal with four Oak Leaf Clusters; Army Achievement Medal with one Silver Oak Leaf Cluster; Global War on Terrorism Medal; Army Good Conduct Medal 7th Award; National Defense Service Medal second award; Professional Development Ribbon with numeral four; and the Army Service Ribbon. His Awards also include Army Superior Unit Award with one Oak Leaf Cluster, the Adjutant General’s Corps Association COL Robert L. Manning Achievement Medal, the Glenn E. Morrell Award for Excellence in Recruiting, Army Recruiting Ring for Excellence in Recruiting, and the Army Recruiting Gold Badge with three Sapphire Stars.

CSM Laick resides in Harrisburg, Pennsylvania, with his wife, Vickie, and their two dogs, Boots and Bentley.

GOAL: A Publication of Go2Goal, LLC

35

Retirement Benefits for Same-Sex Married Couples By the SecondHalf Coach Wealth Management Team

The U.S. Supreme Court's landmark decisions in United States v. Windsor and Obergefell v. Hodges made same-sex marriages legal nationwide, and ensured that those marriages would enjoy the same rights and benefits bestowed by state and federal law on traditional marriages. As a legally married same-sex spouse, you'll want to be aware of several retirement plan rules that apply specifically to married individuals.

has more options and flexibility in terms of post-death distributions than a nonspouse beneficiary. For example, spouse beneficiaries generally may take required distributions from employer plans and IRAs at a later date, and over a longer period of time, than nonspouse beneficiaries.

Your surviving spouse may also have two other options that are not available to other beneficiaries. First, your surviving spouse may choose to roll over inherited IRA or plan funds to his or her own IRA or plan. Second, your surviving spouse may elect to simply leave the funds in an inherited IRA and treat that account as his or her own account. In either case, the potential may exist for significant estate planning and income tax benefits. This is because your surviving spouse may defer taking distributions of the inherited funds until his or her own required beginning date, and may also designate new beneficiaries of his or her choice (your children, for example) who could later stretch out distributions even more after your spouse's death.

TRADITIONAL PENSION PLAN--YOUR RIGHT TO A QUALIFIED JOINT AND SURVIVOR ANNUITY

BENEFICIARY RIGHTS

If you participate in a 401(k) or similar plan at work, federal law provides that your spouse is automatically the beneficiary of your account in the event of your death. You can name someone else as beneficiary, but only if your spouse agrees in writing (witnessed by a plan representative or notary public).

Special rules apply if your plan pays benefits in the form of an annuity.

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GOAL: A Publication of Go2Goal, LLC

IRAs aren't subject to this federal law, although your state may impose its own, similar requirements. For example, if you live in a community property state, your spouse may have legal rights to your IRA regardless of whether he or she is named as the primary beneficiary.

Even without a requirement that you do so, naming your spouse as beneficiary is often the best choice.

One reason is that a spouse beneficiary

If you participate in a traditional pension plan at work, you'll typically be entitled to receive monthly benefits from the plan after you retire. These benefits are usually based on your age at retirement, as well as your years of service and your average earnings with the company.

The normal form of benefit is usually a single life annuity--that is, an annuity that makes monthly payments to you only while you're alive and stops making payments after your death.

But if you're married, federal law requires that your benefit be paid instead as a qualified joint and survivor annuity (QJSA), unless you elect another payment option (with your spouse's

Individual Commitment to a Group Effort

written consent). Though the term sounds complicated, a QJSA is simply an annuity that pays monthly benefits to you while you're alive and continues to pay at least 50% of your benefit to your spouse upon your death.

The payments you'll receive under a QJSA are normally smaller than the amount you'd receive under the single life annuity because those payments are projected to continue until both you and your spouse have died. The single life annuity provides a larger monthly payment because it's projected to be paid over a shorter period of time--one lifetime instead of two. Payments stop once you, the plan participant, die.

One of the most important retirement decisions you and your spouse may make is whether to receive your pension benefit as a QJSA (a smaller monthly amount payable over your joint lives) or to waive that benefit in favor of the larger single life annuity.

However, some employers "subsidize" the QJSA. Subsidizing the QJSA occurs when your employer's plan does not reduce the benefit payable during your joint lives (or reduces it less than the amount allowed), despite the longer payout period, making the actuarial value of the QJSA greater than that of the single life annuity option. A subsidized QJSA can be a very valuable benefit for married participants. It's important for you to know whether your employer subsidizes the QJSA so that you can make an informed decision about which payment option to select.

For example, Tom is a participant in his employer's defined benefit plan and is married. His pension benefit payable as a single life annuity is $3,000 per month beginning at age 65. His benefit payable as a QJSA is also $3,000 per month, with 50% of his benefit (that is, $1,500) continuing to his surviving spouse after his death. Tom's QJSA is subsidized: The benefit payable during Tom's lifetime is not reduced, even though benefits will be paid over both Tom's and his spouse's lifetimes.

YOUR RIGHT TO A SPOUSAL IRA-EVEN IF YOUR INCOME IS LIMITED If you're a nonworking spouse, your ability to contribute toward your own retirement is limited. But there is one tool you should know about. The "spousal IRA" rule may let you fund an IRA even if you aren't working and have no earnings. A spousal IRA is your own account, in your own name--one that could become an important source of retirement income with regular contributions over time.

How does it work? Normally, to contribute to an IRA, you must have compensation at least equal to your contribution. But if you're married, file a joint federal income tax return, and earn less than your spouse (or nothing at all), the amount you can contribute

to your own IRA isn't based on your individual income; it's based instead on the combined compensation of you and your spouse.

For example, Mary (age 50) and Jane (age 45) are married and file a joint federal income tax return for 2016. Jane earned $100,000 in 2016, and Mary, who stayed at home taking care of ill parents, earned nothing for the year. Jane contributes $5,500 to her IRA for 2016.

Even though Mary has no compensation, she can contribute up to $6,500 to an IRA for 2016 (that includes a $1,000 "catch-up" contribution), because Jane and Mary's combined compensation is at least equal to their total contributions ($12,000).

The spousal IRA rule only determines how much you can contribute to your IRA; it doesn't matter where the money you use to fund your IRA actually comes from--you're not required to track the source of your contributions. (The spousal IRA rule doesn't change any of the other rules that generally apply to IRAs. You can contribute to a traditional IRA, a Roth IRA, or both. But you can't make regular contributions to a traditional IRA after you turn 70½. And your ability to make annual contributions to a Roth IRA may be limited depending on the amount of your combined income.)

YOUR RIGHT TO A QUALIFIED DOMESTIC RELATIONS ORDER While we all hope our marriages will last forever, unfortunately that's not always the case. The issue of how retirement plan benefits will be handled in the event of a divorce is especially critical for spouses who may have little or no retirement savings of their own.

Under federal law, employer retirement plan benefits generally can't be assigned to someone else. However, one important exception to this rule is for "qualified domestic relations orders," commonly known as QDROs.

Individual Commitment to a Group Effort

If you and your spouse divorce, you can seek a state court order awarding you all or part of your spouse's retirement plan benefit. Your spouse's plan is required to follow the terms of any order that meets the federal QDRO requirements. For example, you could be awarded all or part of your spouse's 401(k) plan benefit as of a certain date, or all or part of your spouse's pension plan benefit.

There are several ways to divide benefits, so it's very important to hire an attorney who has experience

negotiating and drafting QDROs– especially for defined benefit plans where the QDRO may need to address such items as survivor benefits, benefits earned after the divorce, plan subsidies, COLAs, and other complex issues. (For example, a QDRO may provide that you will be treated as the surviving spouse for QJSA purposes, even if your spouse subsequently remarries.) The key takeaway here is that these rules exist for your benefit.

Be sure your divorce attorney is aware of them.

GOAL: A Publication of Go2Goal, LLC

37

An Age of Empowerment?

CHAMPAGNE VINAIGRETTE & BAKED RICOTTA Baked Ricotta: 8 oz ricotta cheese 1 medium egg 4 oz goats cheese or finely grated fresh Parmesan cheese sea salt and freshly cracked black pepper

By Jessica M. Marazza, Financial Planner, The SecondHalf Coach, Inc.

I

f something were to happen to your partner tomorrow, would you know where your money is? It’s an age-old question that I feel is evolving from women in my grandparent’s generation merely agreeing to what their husbands said financially because they earned the sole income, to women my age in their late twenties directing their own financial decisions without the need for a co-bread winner. It’s an evolution that is both necessary and empowering, allowing multiple parties in a home to now be involved in the financial decisions.

Men have long dominated managing finances in households, but a reverberating number of women are starting to counter this stereotype.

Confidence is boosting as female earning power continues to grow and

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GOAL: A Publication of Go2Goal, LLC

So what’s been holding women back to this point? Hesitation stems from reluctance to discuss financial guidance, intimidation of the topic and lack of time and/or support. In my opinion, all are inadequate excuses.

Men and women alike need to be aware of what they have on their balance sheet and what their financial picture looks like moving forward. As a young professional female, nothing frustrates me more than watching a wife, or husband, unaware of what their household net worth is. Whether accounts are in your name or not, both men and women should know what income is coming into their homes each month, and what debts are going out.

Don’t allow yourself to be blindsided by a life event that leaves you solely holding the reigns of your finances and unaware of what you have.

Confidence, discipline and organization are three things I feel could help both men and women improve and get to know their financial situations going forward. Confidence doesn’t necessarily mean you feel you’re always making the right decisions, but instead that you’re making the most informed decision you can. Talk with a friend or trusted advisor if you’re unsure what your financial options are. Discipline yourself so instead of going on a shopping spree or night

out with the guys you first put away money each pay, and then allocate your discretionary income as available.

I will never recommend you not to have fun, in fact I will encourage it, especially when it involves travel, just be smart about the cost of the fun you have. Lastly, organize your financial life so you know everything you have and where it is. Maybe you need clarification on a death benefit or tax consequence of a particular account, but overall you can rattle off what you have and where if asked. Our new MyPlan software is especially helpful for achieving this feat, and I hope all rising professionals use it going forward to keep themselves on track.

“

Don’t allow yourself to be blindsided by a life event that leaves you solely holding the reigns of your finances and unaware of what you have.

“

reaches or exceeds male counterparts in the same career paths. Women are now reaching well into their 30’s before settling down and joining funds with a partner, which vastly differs from previous generations who started combining funds a decade or more earlier. What this independence is allowing for is self-funding retirement plans and emergency savings accounts, paying for their own healthcare and housing needs, and most importantly not relying on a partner to achieve their life goals.

It’s all about the Bees

By Pig & Truffle Food and drink change seasonally along with other fashion trends. Is food stylish? The popularity of food and spirits have come a long way since the days of the venerated “Julia Child.”

Yes, food is very stylish and trendy thanks to celebrity chefs and reality TV. Honey is the latest food trend and nature sets the canvas. Not to diminish decades of environmentalist debates over pesticides and the necessity of bees in our environment, while we reject the back yard golf course lawn.

Longue vie à (long live) the bee!

The lawns around The Pig and Truffle Cookery School are filled with tiny white clover buds and bustling with the social insects. Although I do not have hives, locally we have abundant boutique beekeepers gifting us with amber, wildflower, clover and unfiltered honey. Each has a place in both cooking and artesian cocktails. I personally use Michelle Wright’s newsworthy (pun intended) honey or Crimson Creek.

(Wildflower version is wonderful).

HONEY INFUSED GIN & ROSEMARY TONIC 3 oz Caledonia Gin 4 oz tonic water 1fresh rosemary sprigs squeeze grapefruit & drop in slices ice cubes

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Add Gin to ice, + tonic water, lemon juice, stir and garnish.

Salad: trimmings from asparagus, roughly chopped, no white parts ½ cup field greens or watercress ¼ cup toasted pine nuts ¼ cup finely grated fresh Parmesan cheese panko breadcrumbs finely grated zest and juice of ¾ lemon 2 tablespoons unsalted butter, melted 12 asparagus spears Champagne Vinaigrette: 1 cup first cold press Italian Olive Oil 2-3 tablespoons Champagne Vinegar (alternatively Rice Vinegar) 3 tablespoons Wildflower Honey 1 tablespoon Quality Dijon Mustard kosher salt fresh cracked pepper pinch of finely minced thyme What to do: First prepare the baked ricotta. Preheat the oven to 350. Line a baking tray with parchment paper and place 8 lightly greased 6 4 oz. Ramekins, set aside.

In a mixing bowl, mix together the ricotta, egg, Parmesan (and or goat), lemon zest and juice and salt and pepper until combined. Divide the mix between the prepared ramekins, pressing the mix down using a spoon.

Bake in the oven for 15 minutes or until nearly firm but still slightly soft (they will rise during baking, but will shrink back once removed from the oven). Remove from the oven, place on a cooling rack and set aside at room

temperature whilst you prepare the rest of the recipe. Leave the oven on at the same temperature (for the baked asparagus).

For the baked asparagus, line a baking tray with parchment paper and set aside. Mix together the breadcrumbs, lemon zest and seasoning in a bowl.

In another bowl, combine the melted butter and the lemon juice. Place the asparagus spears in a tray or container, then pour over the melted butter/ lemon juice mix and turn to coat all over. Sprinkle half of the breadcrumbs onto the lined baking tray, place the buttered asparagus into the crumbs (discard any leftover butter/lemon juice mix) and then cover with the rest of the breadcrumbs. Bake in the oven for 6–8. minutes or until the breadcrumbs are golden brown and the asparagus is cooked. Remove from the oven.

ALTERNATIVELY at The Pig & Truffle we high heat roast asparagus. Prepare same way, do not add the panko until the last few minutes.

Put oven up to 375 and roast turning every 3 minutes until soft and browned. 7-8 minutes.

To make Champagne Vinaigrette combine all ingredients in a mason jar, shake well to combine or you can also use a food processer. (The vinaigrette keeps for two weeks.)

To serve: run a knife around the ricotta cakes and invert onto a plate. Toss greens with vinaigrette and place on plate. This is your canvas so be creative. Add asparagus. Place a few drops of wild flower honey around plate and on the Ricotta Cake. Finally scatter over a few golden breadcrumbs from the baked asparagus and serve.

The Wright Stuff Honey www.thewrightstuffhoney.com Crimson Creek Honey Facebook: Crimson Creek Apiaries LLC

DON'T MISS NEXT YEAR'S OUTING!

First Annual Golf Outing

Tentatively October 6, 2017 at Ligonier Country Club

I

n an effort to give back to the greater community for inviting us into their lives all these years, we decided to host a golf outing and chose to grant all net-proceeds from this event to the Greater Latrobe Partners in Education Foundation to specifically impact the Learning Support, Autistic Support and Life Skills Classroom Enrichment Programs in the Greater Latrobe School District.

STEVE OYLER

The Greater Latrobe Partners in Education was founded in 2012 to support innovative educational opportunities for all students in the Greater Latrobe Area School District. GLPIEF is a non-profit organization governed by a volunteer board of directors who believe in the power of education.

GLPIEF has successfully supported the advancement of the Academics, Arts and Athletics in the Greater Latrobe Area School District.

WON A CARNIVAL CRUISE when landing a putt during the pre-event putting contest

“

Helping students find success in school is the ultimate goal but we know that every child has a different definition of success and a unique pathway to their success. The SecondHalf Coach Charity Golf Outing is providing new opportunities for students with special needs to unlock their abilities and stay connected within their school community.

“

Jessica Golden, GLPIEF's Director of Development

WINNING FOURSOME: JEEP QUINN BRIAN QUINN BRIAN GREYTEK DAVE STRAUSER EACH HAD A CHANCE TO WIN

$1 MILLION!

NET PROCEEDS DONATED: The SecondHalf Coach Team Participants

$13,000

Individual Commitment to a Group Effort

GOAL: A Publication of Go2Goal, LLC

41

Their next GOAL is Equal Pay… In the summer of 2015, The United States Women’s National Soccer Team won the most competitive tournament in international play. They became World Champions by successfully defeating the Japanese in Brazil for the title of FIFA World Cup Champion.

In the world of soccer, there is no larger tournament or title. This is the third time our national representatives have achieved such a goal. Now, they are attempting to tackle another obstacle on their road to ultimate success.

Five national players have filed a federal wage discrimination complaint.

Represented by attorney Jeffrey Kessler, team captain Carli Lloyd, superstar and model Alex Morgan, goalie sensation Hope Solo, along with Megan Rapinoe and Becky Sauerbrunn are attempting to equal the playing field for female athletes at the highest level of play.

The Women’s National Team (WNT) has a counter part in the Men’s national Team (MNT). They both represent the United States in international soccer competitions including numerous qualifying tournaments, the Olympics and the World Cup. The latter two are played every four years. FIFA, which stands for the Federation of International Football Association, is the governing body over international play. Domestically, the United States Soccer Federation governs both teams. The Federation released a statement which included “….we are disappointed about this action. We have been world leaders in Women’s soccer and are proud of the commitment we have made to building the women’s game in the United States over the past 30 years.”

As the United States continues to grow it’s brand of professional soccer locally through their league, Major League Soccer (MLS), the women are on their third attempt at a professional league known as the National Women’s Soccer League. However, the roles are reversed on the international scene, as our women’s team is a world leader 42

GOAL: A Publication of Go2Goal, LLC

in competitive play. Our WNT has won three World Cup Championships (1991, 1999, 2015). At the Olympics, they have won four Gold medals on five attempts, with one silver medal finish interrupting their streak. The female athletes are making in the ballpark of $3,600-$4,950 per game while the male counterparts are paid from $6,200-$17,625. Both teams have drawn similar crowds yet their winning bonuses are drastically different. The 2014 German National Team won the Men’s World Cup and collected a purse of over 35 million dollars. Our Women’s team took home the 2015 World Cup Title and was rewarded a two million dollar bonus.

United States Senator Patrick Leahy (D-Vermont) has called upon FIFA to illuminate pay inequality at the international level. In 2015, while the women were winning the World Cup Championship, their revenue intake resulted in approximately 16 million dollars. The men’s team was knocked out of their tournament in 2014 during the round of 16 and lost two million dollars net. If a market economy dictates the value placed on the “entertainment", then one would immediately side with the women.

The United States Soccer Federation, however, points to the four year cycle in which these tournaments are played.

Using this measuring stick, the men have doubled their revenue over that of the women. The five star athletes attempting to draw attention to the matter may have numerous goals. The first is simple and direct. They want paid more. The second is to be a rolemodel to other nations and women in the workforce in general.

Both the Spanish and Mexican national teams have begun to question their roles within their perspective markets and look for more of a footing for advancement. With a Collective Bargaining Agreement (CBA) dictating the terms of the salaries, women are certainly making their case heard. Last year alone saw the Women’s National

SUCCESS IS A JOURNEY, NOT A DESTINATION!

By Jerry Ferraro Team run for the World Cup title being watched by more viewers than either the Stanley Cup finals or the National Basketball Association finals. Both of these “entertainment” venues drew in huge amounts of market capital, charged extensively for advertising, and certainly paid their athletes top dollar. Defenseman Becky Saurbrunn asks “Why wouldn’t they invest in the asset that is making them money?”

Male athletes in female dominated sports such as figure skating have been granted equal pay on the basis of it being “the right thing to do.” As the Men’s National Team continues to struggle in World Cup competition and recently failed to qualify for the Olympics, the women have set new standards in international play. With projections for the 2017 season placing the WNT revenue eight million dollars ahead of the MNT, the United States Soccer Federation has a true dilemma on their hands.

YOU

YOU

Join us for a twist on the traditional women’s workshop as we delve into how our personalit effe ts our investments and nurturin the est ph si al version of ourself oth inside and out enter raffle for a chance to receive a personal makeover!

R.S.V.P. by Thursday, September 8, 2016 to Coby at 724.537.2799

September 22, 2016 Jerry Ferraro is the contributing history consultant for GOAL magazine. He teaches history at Greater Latrobe High School and has over 19 years of classroom experience. He travels throughout Europe and the U.S. for both professional and personal development. He lives with his wife and daughter near Latrobe, PA.

Individual Commitment to a Group Effort

Join us for one or all three!

4:30-5:30 P.M. Cocktail Hour 5:30-7 P.M. Own it Presentation 7 P.M. Dinner at Capital Grille (Dinner at expense of each guest; Cocktails Courtesy of The SecondHalf Coach Team)

Individual Commitment to a Group Effort

cohosted by

jessica marazza of the secondhalf coach and image & style strategist

bear brandegee Worth New York Showroom, The Diamond Building 100 Fifth Ave, 10th floor Pittsburgh, PA 15222 Most convenient parking at Oliver Garage at Piatt Place Oliver Ave., Pittsburgh, PA 15222

GOAL: A Publication of Go2Goal, LLC

Join us for a twist on the traditional women’s workshop as we delve into how

43

The Carriage House on Slope Hill The Carriage House on Slope Hill Your Home Away From Home Your Home Away From Home

Do Do youyou have friends or family visiting and have friends or family visiting there’s noinroom inhouse? your house? there’s no room your Or Do and you have friends or family visiting and Or maybe someone you know is there’s no room in you yourknow house? maybe someone is Or coming to coming to town for a family reunion, maybefor someone youreunion, know is coming to or town a family wedding, wedding, or class reunion? town reunion? for a family reunion, wedding, or class

class reunion?

Carriage House on Slope Hill TheThe Carriage House on Slope Hill sleeps Thesleeps Carriage Slope Hill sleeps six,House has aon fully equipped kitchen, six,two has bedrooms, a fully equipped kitchen, two twokitchen, bathrooms, six, has a fully equipped two a dining room and a living room. bedrooms, twobathrooms, bathrooms, a dining bedrooms, two a dining room andaaliving livingroom. room. room and There’s cable TV, a playhouse, swing There’s cable TV,a playhouse, a playhouse, swing set There’s cable swing setthe set and a TV, trampoline to entertain ones. Relax on the the patio and andlittle aa trampoline toto entertain little and trampoline entertain the little enjoy theon gardens. ones.

Relax the andand enjoy the the ones.

Relax on thepatio patio enjoy gardens. gardens.

Retiree Confidence on the Rise, EBRI Finds By the SecondHalf Coach Wealth Management Team

While retirement confidence among U.S. workers appears to be stabilizing, confidence among today’s retirees continues to climb, finds the Employee Benefit Research Institute (EBRI) in its latest Retirement Confidence Survey.

Workers who said they were “very confident” in their ability to afford a comfortable retirement rose from 13% in 2013 to 22% last year. In 2016, that percentage leveled off at 21%.

However, the percentage of retirees who are “very confident” continued to rise in 2016 to 39%, up from 18% in 2013.

Historically, retiree confidence has exceeded worker confidence, said the report.

WORKER PERCEPTIONS VS. RETIREE REALITIES • •

Call 724-244-5457 or visit booking.com

Call 724-244-5457 or visit booking.com to reserve your dates.

to reserve your dates.

•

4182 Slope Hill Rd 4182Pleasant, Slope Hill Rd Mount PA 15666

Mount Pleasant, PA 15666 44

GOAL: A Publication of Go2Goal, LLC

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Each year, the study reveals findings that compare worker expectations and perceptions with the actual experiences of current retirees. For example: While 78% of workers are at least “somewhat confident” that they will have enough money to afford basic expenses in retirement, an even higher percentage (84%) of current retirees feel that way. An even sharper contrast emerges when considering the affordability of medical expenses. Thirty-eight percent of workers say they are “not too” or “not at all confident” in their prospects for funding medical care, while just 21% of retirees share that level of concern.

The age at which workers expect to retire has crept upward through the years, while the actual retirement age for retired respondents has changed very little. In 1991, just 11% of workers said they expected to retire after age 65. In 2016, the percentage increased to 37%. By comparison, the actual percentage of retirees who retired after age 65 was 8% in 1991 and rose to 15% in 2016. The median age at which retirees said they retired held steady at age 62 throughout the 25-year period.

Individual Commitment to a Group Effort

•

Only 8% of today’s workers said they plan to retire before age 60, yet 36% of today’s retirees left the workforce before reaching that age. Why the difference?

The study’s authors said that each year they discover a sizable percentage of retirees who retire earlier than planned--46% in 2016. Reasons cited include health problems or disability (55%), changes at their company such as downsizing or closure (24%), and having to care for a family member (17%).

Despite these findings, workers can take heart knowing that today’s retirees feel more confident than in past years, and in knowing that the years ahead offer time to modify their retirement planning strategies if necessary.

ABOUT THE SURVEY

The 26th annual Retirement Confidence Survey was cosponsored by EBRI, a private, nonprofit, nonpartisan public policy research organization that focuses on health, savings, retirement, and economic security issues; and Greenwald & Associates, a Washington, DC-based market research firm.

The survey was conducted in January and February 2016 through 20-minute telephone interviews with 1,505 people, including 1,000 workers and 505 retirees. Full results can be viewed at ebri.org.

Thirty-eight percent of retirees say their current expenses are "somewhat higher" or "much higher" than they expected when they first retired, while the same percentage said their expenses are "about the same" as they expected.

GOAL: A Publication of Go2Goal, LLC

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the last day of the quarter, stocks seem to have weathered the storm and regained much of what they had lost. Of the indexes listed here, only the Nasdaq lost value quarter-to-quarter. On the plus side, the Dow and S&P 500 posted quarterly gains of 1.38% and 1.90%, respectively.

Gold continued to increase in value, closing the month and quarter at $1,324.90. Long-term bond yields hit the skids as investors poured money poured into bonds, rising bond prices and narrowing yields.

Market/Index

2015 Close

As of June 30

Month Change Quarter Change

YTD Change

DJIA

17425.03

17929.99

0.80%

1.38%

2.90%

NASDAQ

5007.41

4842.67

-2.13%

-0.56%

-3.29%

S&P 500

2043.94

2098.86

0.09%

1.90%

2.69%

Russell 2000

1135.89

1151.92

-0.25%

3.40%

1.41%

Global Dow

2336.45

2312.12

-1.18%

0.20%

-1.04%

Fed. Funds

0.25%-0.50%

0.25%-0.50%

0 bps

0 bps

0 bps

10-year Treasuries

2.26%

1.46%

38 bps

-33 bps

-80 bps

Chart reflects price changes, not total return. Because it does not include dividends or splits, it should not be used to benchmark performance of specific investments.

The Quarter in Review

Quarterly Market Review: April-June 2016 The Markets (as of market close June 30, 2016)

In the world of equities, the second quarter of the year was anything but dull. April saw the large-cap S&P 500 and Dow make marginal gains, with the small-cap Russell 2000 and the Global Dow leading the way for the month. The Fed left interest rates at their 0.25%-0.50% range, noting that economic growth had slowed since the beginning of the year. May ended up being another good month for equities as each of the indexes listed here posted positive monthly returns headed by the tech-heavy Nasdaq (3.62%) and small-cap Russell 2000 (2.12%). June started out with relatively lackluster returns for stocks as labor added only 38,000 new jobs and the Fed, once again, reiterated its reluctance to raise interest rates based on lagging inflationary trends, weakening in the jobs sector, and sluggish exports.

But the month and quarter ended with quite a bang, primarily precipitated by the UK's referendum vote to withdraw from the European Union, which sent stocks around the world into a dramatic tailspin, felled the British pound by over 10%, and drastically cut some long-term bond yields (see Japan). Nevertheless, by the last day of the quarter, stocks seem to have weathered the storm and regained much of what they had lost. Of the indexes listed here, only the Nasdaq lost value quarter-to-quarter. On the plus side, the Dow and S&P 500 posted quarterly gains of 1.38% and 1.90%, respectively.

Gold continued to increase in value, closing the month and quarter at $1,324.90. Long-term bond yields hit the skids as investors poured money poured into bonds, rising bond prices and narrowing yields.

46

GOAL: A Publication of Go2Goal, LLC

Individual Commitment to a Group Effort

• Employment: The employment sector slowed toward the end of the second quarter with only 38,000 new jobs added in May, compared to 215,000 new jobs added at the end of the first quarter. The unemployment rate fell to 4.7% in May, and there were 7.4 million unemployed persons. Both the THE QUARTER IN REVIEW unemployment rate and the number of unemployed persons has shown little movement from August.

EMPLOYMENT: employment sector slowed toward the the at federal deficit for May was $53.5 TheThe labor force participation rate decreased slightly togovernment's 62.6% in May budget, from 63.0% the end of March. end of the second quarter only figures 38,000 from new jobs added of Labor billion, as total in at about $224.6 billion and According to with the latest the Bureau Statistics, thereceipts averagecame workweek was 34.4 in May, compared to 215,000 new jobs added at the end of total outlays were $277.1 billion. The deficit at the end of the first quarter. The unemployment rate fell to 4.7% in May, March was just over $108 billion. Through the first seven and there were 7.4 million unemployed persons. Both the months of the fiscal year, the deficit sits at $407.1 billion, Page 1 of over 3, seethe disclaimer on final last pageyear. unemployment rate and the number of unemployed persons compared to $366.8 billion same period has shown little movement from August. The labor force participation rate decreased slightly to 62.6% in May from INFLATION/CONSUMER SPENDING: Inflation continues to 63.0% at the end of March. According to the latest figures run below the Fed's target rate of 2.0%. In April, personal from the Bureau of Labor Statistics, the average workweek income (pretax earnings) and disposable personal income was 34.4 hours, while average hourly earnings rose to $25.59 (income less taxes) each rose 0.5%, while personal spending, compared to $25.45 at the end of March. as measured by personal consumption expenditures, increased 1.1%. However, May saw a slowdown in growth FOMC/INTEREST RATES: The FOMC met in April and June. in each of these important indicators. Personal income Following both meetings, the Committee noted that the and disposable personal income increased only 0.2%, economy appears to have slowed. The federal funds target respectively. Personal consumption expenditures grew by a rate has remained at the 0.25%-0.50% range since it was scaled-back 0.4%. Core personal consumption expenditures last increased in December 2015. In support of its decision (personal spending excluding volatile food and energy costs) to maintain interest rates at their present level, the FOMC rose 0.2% in May, the same as April, but 1.6% over May noted that the pace of improvement in the labor market has 2015. The Producer Price Index, which measures the prices slowed, job gains have diminished, and inflation continues to companies receive for goods and services, increased 0.4% run below the Committee's 2.0% target. in May following a 0.2% gain in April and a 0.1% decline in March. For the 12 months ended May 2016, final demand OIL: The price of crude oil (WTI) was very volatile during the prices for all categories of goods and services inched down quarter, falling to as low as $37 per barrel then reaching over 0.1%. However, over the same period, prices (less food, $51 per barrel, finally settling at $48.57 per barrel by the end energy, and trade services) rose 0.8%. The Consumer Price of the quarter. The national average retail regular gasoline Index increased 0.2% for May. Over the last 12 months, the price increased during the second quarter of 2016, selling at CPI has risen 1.0%. Retail and food services sales gained $2.329 per gallon on June 27, 2016, $0.262 above the March 0.5% in May over April and 2.5% above May 2015. Total sales 28 price of $2.066. from the March through May period were up 2.4%.

GDP/BUDGET: Based on the third estimate of the first quarter 2016 GDP, the economy is improving, at least compared to the second estimate. However, compared to the fourth quarter 2015 GDP, economic growth is slowing in 2016. According to the Bureau of Economic Analysis, the third estimate of the first quarter 2016 gross domestic product grew at an annualized rate of 1.1%, compared to the second estimate, which had the annual rate of growth at 0.8%. An increase in exports is primarily responsible for the difference in the last two estimates of the first quarter GDP. Nevertheless, first quarter growth is still lagging behind the fourth quarter's 1.4% annual growth rate. As to the

Individual Commitment to a Group Effort

HOUSING: While the housing market may have shown signs of slowing in the first quarter, it has picked up through May of the second quarter. Sales of existing homes grew from an annual rate of 5.33 million in March to 5.53 million in May, according to the National Association of RealtorsÂŽ. May's sales of existing homes grew 1.8% over April and are now up 4.5% from May 2015 (5.29 million). The median sales price for existing homes was $239,700--up from $222,700 in March--an increase of 7.6%. The latest figures from the Census Bureau show that the 551,000 annual rate of sales of new singlefamily homes in May was 6.0% below the revised April rate of 586,000, but still 8.7% above the May 2015 estimate of

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47

CURRENT PORTFOLIO

Review Your Current Investments It turns out 4 out of 5 people have more risk in their portfolios than they previously realized. Riskalyze technology empowers us to make sure the Risk Number of your portfolio matches your personal Risk Number.

507,000. Compared to the end of the first quarter, new home sales are up 5.5%. The median sales price of new houses sold in May was $290,400, while the average sales price was $358,900.

MANUFACTURING: Manufacturing and industrial production have been relatively weak economic sectors. The Federal Reserve's monthly index of industrial production (which includes factories, mines, and utilities) fell 0.4% in May following a 0.6% increase in April. A steep drop in motor vehicle production and parts was a major factor in the May decline. Capacity utilization for manufacturing decreased 0.4 percentage point in May to 74.8%, a rate that is 3.7 percentage points below its long-run average. Factory production has been hindered by weak exports and low demand for energy equipment. The latest report from the Census Bureau shows new orders for all durable goods (expected to last at least three years) fell 2.2% in May from the prior month. Excluding the volatile transportation segment, new orders fell a disappointing 0.3%. Orders for capital goods dropped 0.7%, while shipments fell 0.5%.

Despite the relatively poor numbers, new orders in May are 0.1% ahead of March's total, and year-to-date, new orders are up 1.7%.

IMPORTS AND EXPORTS: The advance report on international trade in goods revealed a trade gap of $60.6 billion for May--up from April's $57.5 billion trade balance.

Exports fell 0.2% while imports jumped 1.6%, accounting for

the increased trade deficit. The prices for U.S. imports (goods purchased here but produced abroad) increased 1.4% in May following a 0.3% gain in April. The prices for exports rose 1.1%. Year-on-year, import prices are down 5.0% and export prices have fallen 4.5%.

INTERNATIONAL MARKETS: The United Kingdom's referendum vote at the end of June to exit the European Union sent equities markets around the globe reeling as the second quarter came to an end. If, in fact, the UK Parliament follows the apparent voter mandate to "Brexit" from the EU, the process of negotiating a withdrawal will likely play out over an extended period of time. No one is certain of the consequences of this major economic event. Elsewhere, the International Monetary Fund urged China to address its rising corporate debt, which the IMF estimates to be 145% of that country's GDP. In Japan, the Nikkei was hit hard by the Brexit vote, falling almost 8.0% the day after the referendum results were announced.

CONSUMER SENTIMENT: Consumer confidence seems to have picked up during the second quarter. The Conference Board Consumer Confidence Index® for June rose to 98.0 following May's index reading of 92.4. The Surveys of Consumers of the University of Michigan also showed increasing consumer confidence in current economic conditions, while the Index of Consumer Sentiment fell slightly in June to 93.5 from 94.7 in May.

EYE ON THE MONTH AHEAD

Whether the impact of the Brexit vote continues to negatively affect equities remains to be seen. The FOMC, which meets at the end of July, will be armed with reports on several important economic indicators including consumer prices, producer prices, and the employment situation--all of which come out before the Committee's July meeting.

YOUR RISK NUMBER IS YOUR RISK NUMBER YOUR RISK NUMBER IS IS

ALIGNED PORTFOLIO

BUILDING YOUR 2. Aligning Your Portfolio 1.INVESTMENT Capturing Your Number After pinpointing your Risk Number, we’ll Risk craft a portfolio that aligns with STRATEGY 1.

Capturing Your Risk Number 1. Capturing Your Risk Number your personal preferences and priorities, allowing you to feel comfortable USING RISKALYZE

The first outcomes. step is to answer a 5-minute questionnaire with your expected The resulting proposed portfolio that will covers topics The first step is answer tosize, answer afinancial 5-minute questionnaire that covers topics The first step is to a 5-minute questionnaire that covers topics such as portfolio top goals, and what you’re willing to risk for include projections for the potential gains and losses we should expect such as portfolio size, top financial goals, and what you’re willing to for suchpotential as portfolio size, top we’ll financial goals,your and exact what you’re willing to to guide riskrisk forour gains.

Then pinpoint Risk Number over time. potential gains.

Then we’ll pinpoint your exact Risk Number to guide our potential gains. Then process. we’ll pinpoint your exact Risk Number to guide our decision-making The first step isprocess. to answer a 5-minute questionnaire that covers topics decision-making decision-making process.

Stress Test Investments

1. Capturing Your Risk Number

such as portfolio size, top financial goals, and what you’re willing to risk for

CURRENT PORTFOLIO CURRENT PORTFOLIO CURRENT PORTFOLIO

Your Current Investments Stress testsReview illustrate your proposed portfolio have fared through potentialhow gains.

Then we’ll pinpoint your would exact Risk Number to guide our Review Your Current Investments decision-making process. various Review market events over the past 8 years, including the 2008 financial Your Current Investments It turns out 4 out of 5 people have more risk in their portfolioscrisis. than they It turns out 4 out ofpeople 5Riskalyze people have more risk in their portfolios than they It turns out 4 out of 5 have more risk in their portfolios than they previously realized. technology empowers us to make sure the Review Your Current Investments previously realized.

Riskalyze technology empowers us to make sure the It turns out 4 out of 5 people have more risk in their portfolios than they previously realized.

Riskalyze technology empowers us to make sure the Risk Number of your portfolio matches your personal Risk Number.

Review Risk & Reward Potential previously realized.

Riskalyze technology empowers us to make sure the Number of your portfolio matches your personal Risk Number.

RiskRisk Number of your portfolio matches your personal Risk Number.

Riskthe Number of your portfolio matches your personal Risk Number.

We can visualize risk and reward profile for each individual investment we propose for your portfolio. Illustrating risk, reward and diversified risk gives us a powerful tool to review before we make any final investment After pinpointing we’llcraft craft a portfolio that aligns After pinpointingyour yourRisk Risk Number, Number, we’ll a portfolio that aligns withwith your decisions. After pinpointing your Number, we’ll craft ato portfolio aligns with personal preferences and priorities, allowing feel with your Afteryour pinpointing your RiskRisk Number, we’ll craft ayou portfolio that aligns with personal preferences and priorities, allowing youcomfortable to that feel comfortable expected outcomes.

The portfolio include projections for your personal preferences and priorities, allowing to feel comfortable your personal preferences andresulting priorities, allowing youyou towill feel comfortable with your expected outcomes.

Theproposed resulting proposed portfolio will the potential gainsoutcomes. and losses we should expect over time. with your expected The resulting proposed portfolio will withinclude your expected outcomes. resulting proposed portfolio will expect projections for the The potential gains and losses we should Review goalsinclude and progress and maintain an illustrated probability of success rate expect projections potential gains losses should Stress Test Investments include projections for for thethe potential gains andand losses we we should expect over time. which enables investors to visualize whether the charted path remains on course.

Stress tests illustrate how your proposed portfolio would have fared through over time. over time.

2. Aligning Your Portfolio 2.

Aligning Your Portfolio 2. Aligning Your Portfolio 2.

Aligning Your Portfolio

3. Build Your Retirement Map

ALIGNED PORTFOLIO ALIGNED PORTFOLIO PORTFOLIO STRESSALIGNED TESTING

2013-Like Bull Market The estimated performance is the likely result if this portfolio had been invested from January 1, 2013 to December 31, 2013.

During that time frame, the S&P 500 gained 32%

Calendar Year 2008 The estimated performance is the likely result if this portfolio had been invested from January 1, 2008 to December 31, 2008.

During that time frame, the S&P 500 dropped 38%

Data sources: Economic: Based on data from U.S. Bureau of Labor Statistics (unemployment, inflation); U.S. Department of Commerce (GDP, corporate profits, retail sales, housing); S&P/Case-Shiller 20-City Composite Index (home prices); Institute for Supply Management (manufacturing/services). Performance: Based on data reported in WSJ Market Data Center (indexes); U.S. Treasury (Treasury yields); U.S. Energy Information Administration/Bloomberg.com Market Data (oil spot price, WTI Cushing, OK); www.goldprice.org (spot gold/silver); Oanda/FX Street (currency exchange rates). News items are based on reports from multiple commonly available international news sources (i.e. wire services) and are independently verified when necessary with secondary sources such as government agencies, corporate press releases, or trade organizations. All information is based on sources deemed reliable, but no warranty or guarantee is made as to its accuracy or completeness. Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities, and should not be relied on as financial advice. Past performance is no guarantee of future results. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing strategy will be successful.

The Dow Jones Industrial Average (DJIA) is a price-weighted index composed of 30 widely traded blue-chip U.S. common stocks.

The S&P 500 is a market-cap weighted index composed of the common stocks of 500 leading companies in leading industries of the U.S. economy. The NASDAQ Composite Index is a market-value weighted index of all common stocks listed on the NASDAQ stock exchange. The Russell 2000 is a market-cap weighted index composed of 2,000 U.S. small-cap common stocks. The Global Dow is an equally weighted index of 150 widely traded blue-chip common stocks worldwide. The U.S. Dollar Index is a geometrically weighted index of the value of the U.S. dollar relative to six foreign currencies. Market indices listed are unmanaged and are not available for direct investment.

Financial Crisis Redux The estimated performance is the likely result if this portfolio had been invested from October 15, 2007 to March 2, 2009.

During that time frame, the S&P 500 dropped 53%

various market events over the past 8 years, including the 2008 financial crisis.

Stress Test Investments Stress Test Investments Stress tests illustrate how your proposed portfolio would have fared through Stress Test Investments Review Risk & Reward Potential

Stress tests illustrate your proposed portfolio would fared through various market events over the past profile 8portfolio years, thehave 2008 financial Stress tests illustrate how your proposed would have fared through We can visualize thehow risk and reward forincluding each individual investment wecrisis. various market events over the past 8 years, including the 2008 financial crisis. your portfolio. risk,including reward and risk gives us a variouspropose marketfor events over the Illustrating past 8 years, thediversified 2008 financial crisis.

+14.4%powerful tool to review before we make any final investment decisions.

Review Risk & Reward Potential Review Risk & Reward Potential Review Risk & Reward Potential We can visualize the risk and reward profile for each individual investment

ESTIMATED PERFORMANCE JAN 1, 2013 TO DEC 31, 2013.

3.

Build Your Retirement Map -15.8% can visualize the risk reward profile for each individual investment WeWe can visualize the risk andand reward profile forrisk, each individual investment weReview propose for your portfolio.

Illustrating reward and diversified riskrate goals and progress and maintain an illustrated probability of success ESTIMATED PERFORMANCE JAN 1, 2008 TO DEC 31, 2008.

-22.3% Powered by 3.Provided Build by Your Retirement Map 3.

Build Your Retirement Map 3. Review Build Your Retirement Map probability of success rate goals and progress and maintain an illustrated ESTIMATED PERFORMANCE OCT 15, 2007 TO MAR 2, 2009.

STRESS TESTING STRESS TESTING STRESS TESTING

GOAL: A Publication of Go2Goal, LLC

Individual Commitment to a Group Effort

Review goals progress maintain an illustrated probability of success rate which enables investors toand visualize whether the charted pathofremains on course.

Review goals andand progress and maintain an illustrated probability success rate which enables investors to visualize whether the charted path remains on course. which enables investors to visualize whether the charted path remains on course.

2013-Like Bull Market The estimated performance is the likely result if this portfolio 2013-Like Bull Market 2013-Like Market had beenBull invested from January 1, 2013 to December 31, 2013.

The estimated performance is the likely result if this portfolio The estimated performance is the likely resultgained if this 32% portfolio During time frame, the S&P had beenthat invested from January 1,500 2013 to December 31, 2013. had been invested from January 1, 2013 to December 31, 2013.

During that time frame, the S&P 500 gained 32% During that time frame, the S&P 500 gained 32%

Calendar Year 2008 The estimatedYear performance is the likely result if this portfolio Calendar 2008 Calendar Year 2008 had been invested from January 1, 2008 to December 31, 2008.

The estimated performance is the likely result if this portfolio The estimated performance is the likely resultdropped if this portfolio During time frame, the S&P 38% 31, 2008. had beenthat invested from January 1,500 2008 to December had been invested from January 1, 2008 to December 31, 2008.

During that time frame, the S&P 500 dropped 38% During that time frame, the S&P 500 dropped 38%

Financial Crisis Redux The estimatedCrisis performance is the likely result if this portfolio Financial Redux Financial Crisis had been investedRedux from October 15, 2007 to March 2, 2009.

The estimated performance is the likely result if this portfolio The estimated performance is the likely result if this portfolio During time frame, the S&P15, 500 dropped 53%2, 2009. had beenthat invested from October 2007 to March had been invested from October 15, 2007 to March 2, 2009.

During that time frame, the S&P 500 dropped 53% During that time frame, the S&P 500 dropped 53%

48

propose for your portfolio.

Illustrating reward diversified which investors to Illustrating visualize whether the charted path remains onrisk course. we we propose for your portfolio. risk,risk, reward and diversified risk gives us enables a powerful tool to review before we make anyand final investment gives us a powerful tool to review before we make any final investment givesdecisions. us a powerful tool to review before we make any final investment decisions. decisions.

Individual Commitment to a Group Effort

+14.4% +14.4% +14.4% -15.8% -15.8% -15.8% -22.3% -22.3% -22.3% ESTIMATED PERFORMANCE JAN 1, 2013 TO DEC 31, 2013.

ESTIMATED PERFORMANCE ESTIMATED PERFORMANCE JAN 1, 2013 TO DEC 31, 2013.

JAN 1, 2013 TO DEC 31, 2013.

ESTIMATED PERFORMANCE JAN 1, 2008 TO DEC 31, 2008.

ESTIMATED PERFORMANCE ESTIMATED PERFORMANCE JAN 1, 2008 TO DEC 31, 2008.

JAN 1, 2008 TO DEC 31, 2008.

ESTIMATED PERFORMANCE OCT 15, 2007 TO MAR 2, 2009.

ESTIMATED PERFORMANCE ESTIMATED PERFORMANCE OCT 15, 2007 TO MAR 2, 2009.

OCT 15, 2007 TO MAR 2, 2009.

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49

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