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June 2022
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A Family & Estate Planning Law Firm Rainbow
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CONTENTS
About the Cover:
The team at Daly Mills Family and Estate Planning Law Firm Photo by: Lisa Crates
June, 2022 | vol. 3 | No.6
Topic of the Day 10 Are You Still on Track for Retirement?
•••••••••••••••••••••••••••••••••••••••••••••••••••
In My Glass
Cover Story
14 Seafood Heaven - A couple of days in
12 Family & Estate Planning Law Firm
Marseille really hit the spot— and the palate
In Every Issue
Daly Mills protecting what’s yours
•••••••••••••••••••••••••••••••••••••••••••••••••••
16 A Moment in Time
Tasty Bits
22 Limitless Learning –
Learn from the Experts
19 Orange Honey Rainbow Fruit Salad
10 » Track Investments
14 » Linguini & Clams!
19 » Rainbow Recipe
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y o j En ! e f i L e k a L Protect Your Family and Assets With a Comprehensive Plan Of Insurance Coverage Thank You for Trusting Us to Protect You and Your Loved Ones Every Day of the Year
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today’s TOPIC
Are You Still on Track for Retirement?
I
n times of economic uncertainty, it is important to take stock and assure yourself that you have done everything you can to secure your financial future. Here are a few perspectives and tools you might consider if you are looking forward to retirement. Daniel Tobias, of of Passport Wealth Management, in Cornelius, emphasizes the importance of keeping the big picture in mind. “In order to be on track for retirement it helps to know what (and even perhaps when) retirement might look like for you,” Tobias said. “Even if you don’t have all the answers, taking the time really think hard about what you want for the future is an important starting point. Some people love what the do and want to maintain ties to their career as long as they can while others want to get out and to the beach as soon as they can afford to do so. Once we know where we’re going, and what we’re saving for, we can set a strategy to follow which will carry us through all manner of economic turmoil, inclusive of today’s high inflation.” Certainly one question to answer is ‘how much money will I need in retirement?’ A common figure cited by experts is that your retirement income should be about 80 percent of the the pre-tax income during your working years. One explanation for this figure comes from the AARP, which says “The 80 percent rule comes from the fact that you will no longer be paying payroll taxes toward Social Security (although you may have to pay some taxes on your Social Security benefits), and you won’t be shoveling money into your 401(k) or other savings plan. In addition, you’ll save on the usual costs of going to work...such as new clothing, dry cleaning bills, commuting expenses and the like.” This number is backed up by statistics showing that for example in 2017-2018 the average annual spending for all adults was $60,815, whereas for 65-year-olds it was $50,178. Which if you do the math is 82.5% and change. You might think that 10 LimitlessMagOnline.com | June 2022
with lower daily transportation costs, and no need for that work wardrobe your costs would go down, and they do, also in the categories of education, insurance and housing (though only moderately). Those are offset somewhat by increase in Healthcare spending. Keeping your personal goals in mind allows you to adjust this figure. Are you planning to downsize and live more simply? Do you plan on extensive travel? Do you have family or organizations you want to help? Would you like to leave a financial legacy or spend every dime before you shake off this mortal coil? With an idea of how much you will need, attention turns to where that money comes from. Although never intended as a sole source of retirement income, the Social Security will be a substantial source of income for most retirees -- providing about 40% of their average wage income. The Social Security Administration points out that every person’s retirement situation is different, but there are two key facts everyone should consider when considering their options for collecting Social Security. One is that the amount of the benefit will depend on when you start collecting. In general, taking benefits before your full retirement age (66 or 67, depending on when you were born) lowers the amount you will get each month. On the other hand, delaying benefits past your full retirement age, up to age 70, increases the monthly amount for the rest of your life. Obviously, there is a calculation to be made as to how long it takes to make up in higher benefits what you didn’t collect in the prior years. There is extensive information on this at www.ssa.gov/benefits/ retirement/matrix.html. On the other hand, if you elect to collect Social Security before your full retirement age and keep working, the benefit will be reduced if your pay is above a certain limit. However, that money is later added back to your benefits once you reach full retirement age. Also note that if you earn substantial income
BY » Peter Eisenhauer
while drawing benefits, some of your benefit will be taxable, so it’s a good idea to work with a tax professional to minimize the impact. Derek Bostian, Two Waters Wealth Management, in Huntersville, notes that “Social Security withholding and tax rules related to earning income during retirement are not simple, but there are strategies that can help optimize your situation.” Unless you are fortunate enough to have a defined benefit pension, savings and investments will be the other major source of retirement income. Many experts cite a rule of thumb that retirees can safely withdraw about 4% of their total savings each year. As noted in an AARP publication the basis for this is a landmark 1998 study from Trinity College in Texas on the most sustainable withdrawal rate from retirement savings accounts over various time periods. “The study found that an investor with a portfolio of 50 percent stocks and 50 percent bonds could withdraw 4 percent of the portfolio in the first year and adjust the withdrawal amount by the rate of inflation each subsequent year with little danger of running out of money before dying. For example, if you have $250,000 in savings, you could withdraw $10,000 in the first year and adjust that amount upward for inflation each year for the next 30 years.” The 4 percent rule is considered conservative, and analysts suggest that you can improve on those results with a few simple adjustments. For example, by not withdrawing money from your stock fund in a bear market year, or foregoing inflation “raises” for several years at a time (maybe not this year). But the AARP advises that at least at first, it’s best to be conservative in withdrawals from your savings, if possible. Source: https://www.aarp.org/ retirement/planning-for-retirement/ info-2020/how-much-money-doyou-need-to-retire.html. Experts also strongly urge that you diversify your investments and avoid making frequent changes to your portfolio.
Are you a corporate executive or business owner who is quickly approaching retirement but you need direction? Have you recently retired and have some questions? Are you the person in your household that hasn’t traditionally handled the money but now it’s time for you to take the reins? I can help. One of the foundational principles at Bookman Bright, Inc. is education. I want you to understand your choices so that you can make good decisions for your needs. Making good decisions is a function of good information.
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Learn more at bookmanbright.com/goodinformation
209 Delburg Street | Suite 205 | Davidson, NC 28036 704.256.6016 | David@bookmanbright.com
LimitlessMagOnline.com | June 2022 11
cover STORY
A Family & Estate Planning Law Firm
Daly Mills protecting what’s yours
I
BY » Jeff Winke | PHOTOGRAPHY BY » Lisa Crates
f you think about it, there are times when an attorney can be your best friend. A good attorney will navigate you through tough situations, untangle complexities, and safeguard you from harm. Life is not always easy. Things happen. And sometimes the professional services of a lawyer is what is needed. “You want an attorney that can help with your particular concerns and give you honest, unbiased opinions,” stated Miranda Mills, partner with Daly Mills Family Law, Statesville, North Carolina. 12 LimitlessMagOnline.com | June 2022
“Your neighbor might be a really great attorney, but that doesn’t mean this is the right attorney to help you divide your assets during a separation and divorce. Ask some basic questions when you are deciding whether to hire an attorney. For example: Does this attorney handle a lot of cases like your case? Will this attorney help you achieve your goals in the way that you want to achieve them? Can you be honest with this attorney about your situation? The same questions can be asked for any area of law. A good
attorney will tell you if something is outside their scope of practice. Talk to an attorney who practices in your areas of need. Don’t be afraid to meet with several attorneys to find the person who is right and comfortable for you.” Daly Mills Family Law offers help in two practice areas: (1) Family Law which includes Divorce, Child Custody, Child Support, Adoptions, Third-party Grandparents’ Rights, and LGBTQ Family Law and (2) Estate Planning which includes Wills, Trusts, Medicaid Planning and Estate Administration.
The area of Family Law encompasses more than divorce and separation issues. Daly Mills attorneys help clients with adoption, domestic partnership, guardianship, court order enforcement matters, and LGBT family law issues. “In all of these areas, the legal paperwork and process can be complex, but our attorneys will make it easier for you and your family to understand,” Mills said. “For divorce or custody issues, you may not need us at the moment. Not everyone needs a divorce lawyer. However, we will always take the time to have a conversation with
you about what you might need and how to prepare if you think you might need us.” In addition to divorce, child custody and child support, the Daly Mills Family Law attorneys handle the whole gambit of family law legal issues such as enforcement of court orders. guardianship proceedings, fathers’ rights and paternity, mediation for divorce or custody, adoptions, LGBTQ issues, and domestic partnerships. One can quickly see how having a trusted lawyer can help guide and advocate when working through these complex family law thickets. Perhaps the biggest mistake is thinking “I’m smart... I don’t need to involve an attorney.” No one wants to spend money on something that they think they can do themselves. “People find forms and sample documents online, so they think that an attorney is not necessary,” Mills cautioned. “I can’t emphasize this enough: Every state is different. Laws are different. Interpretations of legal terms are different. Pay an attorney to do it right the first time. Trust me. It’s way more expensive to clean up a bad mess later on.” When it comes to estate planning too often there is the false comfort in thinking that everything is covered if one has a will. A will or testament is a legal document that expresses a person’s wishes as to how their estate is to be distributed after their death and as to which person is to manage the property until its final distribution. Miranda Mills said: “For our 55+ clients, the biggest misconception is that they have a will, so they have nothing else to worry about. People don’t think about or don’t want to think about what happens if they need long term care or they need in-home care in the future. We have seen more and more cases where aging family members need help managing their affairs and if you don’t have a proper plan in place, family members may be in conflict about what is best for you. Long term care planning and Medicaid planning are crucial.” Plus, Mills added, “You don’t need to be wealthy to afford an estate plan. We offer affordable services for people from all backgrounds, including seniors
and those nearing retirement, smallbusiness owners and entrepreneurs, police officers, firefighters, first responders and other public servants, child care providers, teachers at public or private institutions, and military service members and veterans to name a few. It makes sense to take advantage of a free estate planning consultation to take the first step toward protecting what matters.” Daly Mills Family Law has been based in the Lake Norman area for more than 15 years. They are said to enjoy meeting people from all walks of life. The community is diverse, but is still small enough to have southern charm. “Every case we work on is different,” Mills stated. “No two people walk in and have exactly the same issue or exactly the same facts. So, as attorneys, we really do take time and put thought into the best approach for each client. “Attorneys often get a bad reputation. While I can’t speak for all attorneys, the attorneys at Daly Mills genuinely want to help clients. We don’t do this job for the money. We do this job because we care about helping people. We often meet people during very challenging and emotional times. They need us to be compassionate and patient, but they also need us to protect them during vulnerable moments. We are here to help! “No matter what type of family law matter our attorneys handle, we take pride in working closely with a limited number of clients. We find that this allows our legal team to provide better service especially when dealing with emotional family law issues. We are also able to invest more time, resources and energy into each of our client’s cases when we limit our caseload. “As our slogan says: ‘We’re Ready To Fight For What You Hold Dear.’” For more information: 866-575-2011 www.dalymills.com 111 W Broad Street Statesville, NC 28677 131 Plantation Ridge Drive, Suite 400 Mooresville, NC 28117
?
LimitlessMagOnline.com | June 2022 13
in my GLASS
Seafood Heaven
Linguini and fresh clams and a glass of Bandol Rouge—two favorites, delicious
A couple of days in Marseille really hit the spot—and the palate BY » Trevor Burton | PHOTOGRAPHY BY » Trevor Burton
T
he first thing that hits you when you get to Marseille is that it is so different to the north of France. I’ve spent a good amount of time in Paris and, to me, Marseille felt like I was in a different country, a very nice country. We were there for a couple of days in the late Spring. We were staying close to the city’s Vieux Port, its Old Port. It really is an old port. Marseille’s nickname is “the Phocean City.” It was founded around 600 BC by Greek sailors from Phocaea in Asia Minor. It’s the oldest urban settlement in France. After settling in, we sauntered down to the Old Port to find a place for dinner. The Old Port teems with restaurants so we wandered around, checking each one out. We opted for a restaurant with a terrace that overlooked the port, the sea and local fishermen. The restaurant, Miramar. The planets had aligned. When we walked in we were told that the place was fully reserved. But they set aside a table for us. Lucky us, it was on the terrace looking out at everything. Marseille is where bouillabaisse was first developed and
Miramar is famous for its own version. But I was in the mood for something lighter. To my delight, linguini and clams was the special of the evening. Just watching the fishing boats in the port convinced me that the clams would be local and fresh and, anyway, it’s a favorite dish of mine. What I couldn’t resist was a wine, that’s a preference of mine, to go with the clams. A red wine from the close-by region of Bandol. A deep, powerful wine that isn’t the perfect match for the dish but I was close to the wine’s home territory so I went for it. Late Spring, dinner with my wife, a cozy atmosphere, two favorites and the perfect location to enjoy them. Perfect. And so, on to the second evening in Marseille. The Old Port has so many restaurants that we could easily find another one to explore. But, after a very brief discussion, we decided that the first evening was so good and that we should go back to Miramar. Good decision. The planets were aligned a second time. When we walked in the door we were
welcomed back with a complimentary glass of Champagne and were shown to the same table—“our table.” Nice. When I’m in France, I inevitably tend to order another favorite dish, filet of daurade. Daurade is a sea bream that is native to the coastal waters of the Mediterranean. As luck would have it, daurade was the special of our second evening. Once again, local and fresh. And I couldn’t prevent myself from going back to the same wine we enjoyed on our first visit. Not a perfect pairing but I was definitely on the home turf for both of them. I couldn’t hold back. I like Marseille. I like the atmosphere, bustling but casual. It’s definitely the place to enjoy sea-food. Also, I like the wines of southern France, they’ve got a unique character all to themselves. This was a great and delicious two day sojourn in the city. We want to go back and explore a lot more deeply. Now that the post-Covid world is opening up it seems like a good thing to add to our fairly lengthy bucket list.
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a moment in time
Meteorological JUNE BY » Mickey Dunaway
I am an Alabamian by birth and lived, grew up, and worked in the Yellowhammer state until 1995. I experienced tornados, hurricanes, and snow about once every 4-5 years (even in Mobile, where I lived), but nothing can compare to summers in south Alabama. Alabama summers don’t begin in June; they start in May and extend to the middle of October. June in Alabama is like a sauna. Cutting the humidity with a knife is a common and not-too-far-from-the truth metaphor for June in Alabama. But what is June like in Charlotte? That is what we will explore in this month’s Moment in Time. The average daily lows and highs for Charlotte from 2017 – to 2021 are noted in the columns to the left. The monthly averages and other climate records for Charlotte in June are in the large column to the right. Alabama summers are long and depressingly hot. It gets almost as hot and humid here in North Carolina. However, there are three significant differences: North Carolina springs really do last through June. The heat of summer in North Carolina is usually limited to July and August, and the fall breezes start up again in September—all of which is why I am firmly planted right here in Cornelius, NC!
AVERAGE HUMIDITY in Charlotte in June is 84%.
June AVG Low AVG High Interestingly, the average humidity in Asheville is 70%. 1 64 82 2 64 82 Charlotte averages SEVEN DAYS OF RAIN in June and 3.22 inches. 3 65 82 4 65 82 The WETTEST June was in 1886 with 11.04 inches. 5 65 83 6 66 83 The DRIEST June was .15 inches in 1993. 7 66 83 8 66 83 The RECORD HIGH TEMP for June is 104 degrees on June 29, 2012, 9 66 84 and June 30, 2012. NOTE: This is also an ALL-TIME record HIGH. 10 67 84 The record LOW TEMP for June is 45 degrees on June 1, 1889, 11 67 84 June 7, 1972, and June 11, 2000. 12 67 84 13 67 84 The LOWEST HIGH was 56 degrees on June 11, 1913. 14 67 84 15 68 85 The HIGHEST LOW was 81 degrees on June 30, 1936. 16 68 85 17 68 85 ON RECORD, the WARMEST June was in 1943, with an average of 18 68 85 81.4 degrees. 19 68 85 20 68 85 The COLDEST June on record was 70.9 degrees in 1884. 21 68 85 22 69 86 From Cornelius to the Wilmington beaches is three and half 23 69 86 hours. From Huntersville to the mountains, it is less than two 24 69 86 hours. To Lake Norman from Davidson is 15 minutes! 25 69 86 26 69 86 27 69 86 Meteorologically, we North Mecklenburgers live in a unique area. 28 69 86 We are a short drive to many destinations that can completely 29 70 87 change our outlook on the weather—whatever the season! 30 70 87
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tasty BITS
Eat the Rainbow Fruit Salad
Orange Honey Rainbow Fruit Salad Prep time: 30 minutes Servings: 12
Nothing completes a spring/summer meal like a fabulous fruit salad. And this Orange Honey Rainbow Fruit Salad is like a party for your senses! You can customize the fruits to your tastes, and let the colors of the rainbow guide you! The magic of this fruit salad is the dressing. Simply combine orange juice, good honey, lemon juice and a special ingredient, fresh mint! in a mason jar, and shake it all up - so simple and tasty! Going to a picnic? This is the perfect fruit salad to take with you! Simply layer it in a bowl with the firmest fruit at the bottom and work your way up. Carry your dressing separately, and drizzle over top and toss to coat shortly before serving. This salad is also perfect for helping you get in those daily 2 cups of fruit recommended by the USDA Dietary Guidelines. Simply, mix it up with your weekly meal prep, and then you can enjoy it at breakfast with a drizzle of that delicious dressing throughout the week! Also makes the perfect addition to a brunch, shower or any celebration. Enjoy!
Ingredients
1 (1 lb.) package strawberries, quartered 1 (6 oz.) package raspberries 1/2 (6 oz.) package blackberries 1 (6 oz.) package blueberries 1/4 fresh pineapple, cut into bite-size pieces 2 kiwi, sliced 1/4 cantaloupe, cut into bite-size pieces ½ cup green grapes, halved 1 medium banana, sliced and dipped in lemon juice 4-5 Mandarin oranges, divided Sweet Dressing 1/4 cup fresh orange juice 2 tablespoons fresh lemon juice 2 tablespoons good honey 4-10 mint leaves, rough chopped + extra for garnish
Directions
Kathy Dicken lives in Huntersville and is the author of the food blog, The Tasty Bits. For more meal ideas that are simple and delicious, you can follow her blog at www.thetastybits.com or on Instagram @thetastybits.
Combine fruit in a large serving bowl (except bananas). Set aside. Combine dressing ingredients in a mason jar. Shake vigorously to combine (shaking helps get the best flavor out of the mint). Pour the dressing over the salad shortly before serving. Gently toss fruit to coat in dressing. Garnish with bananas. Serve and enjoy!
NOTES
• Feel free to use frozen thawed fruit, if you don’t have fresh fruit available. • If you don’t have all of these fruits on hand, do not worry. Simply cut back on the dressing, adding just enough to lightly coat the fruit. LimitlessMagOnline.com | June 2022 19
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20 LimitlessMagOnline.com | June 2022
protecting our LKN community includes
»
NAVIGATING MEDICARE
with Pam Powers
Pam Powers has been with Fogle Insurance Group for five and a half years as Assistant Benefits Consultant and has now taken the position of our Benefits Consultant for our Health Department. As the new head consultant, Pam enjoys getting to know the clients and helping them navigate plan benefits and concerns. Medicare is not a system where one plan fits all, so she wants to find each person the right plan! Looking at your benefits are important! Pam takes an individualized approach as she works to research your specific lists of doctors and prescription medications and then collaborates with you to find a plan that fits your needs. Big changes to Medicare! With more plans offering supplemental benefits like dental, vision, hearing aids, and over-the-counter coverage, Medicare plans are offering more than just medical and prescription coverage! Some plans even include non-emergency transportation, post hospital meals, and emergency response systems like Life Alert.
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ower of Attorney (“POA”) documents are very important for each North Carolina resident to have. There are two types of POAs: Healthcare Power of Attorney and Durable Power of Attorney.
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Durable Power of Attorney A Durable POA allows an individual (the “principal”) to designate another individual(s) (the “agent(s)”) to act on the principal’s behalf when he or she is incapacitated or needs assistance with handling every day affairs. “Durable” means the POA survives incapacity and may be effective immediately. The Durable POA may be as a broad or limited as the principal may like. For instance, it may give the agent power to manage or sell real property, manage financial accounts, pay bills, file taxes, hire an attorney or other professional, defend lawsuits, etc. There are specific requirements for a Durable POA to be executed in North Carolina, and therefore, it is important to speak with an experienced estate planning attorney about your wishes to make sure the document complies with North Carolina law. Danielle Feller is our lead estate planning attorney at Daly Mills Estate Planning. Danielle is a native of Mooresville, an AV Preeminent Rated attorney in Estate Planning, Rising Star Super Lawyer, and is being published in an upcoming chapter with Wealthcounsel’s second edition of Estate Planning Strategies, Collective Wisdom, Proven Techniques. Give Danielle a call today for a free consultation at 704-878-2365. You can also visit our website at www.DalyMillsEstatePlanning.com.
Danielle Feller For more information or assistance with estate administration, contact Daly Mills Estate Planning for a free consultation at 704-878-2365. You can also visit our website at www. DalyMillsEstatePlanning.com.
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