Conejo Valley, CA April 2024

HOME + DESIGN

ALDIK HOME

STATE RESTORATION

FINANCE + LEGAL SERVICES

WYATT FINANCIAL SOLUTIONS

MONTECITO BANK & TRUST

FINANCIAL LITERACY

Let Rosemary Allison use her proven track record of success and expertise to get you the highest sales price for your home

Innately understanding the finer points of caring for clients with high net worth, and even higher expectations, Rosemary utilizes multimedia, print and digital internet advertising to masterfully unite sellers of the finest homes with quality buyers from across the globe.

2023 Daily News Readers Choice Awards

Rosemary has won this award 6 years in a row!

Top 300 individual by volume in USA by RealTrends Top Real Estate

2023 Ventura County Star Readers Community Choice Awards

#1 Top Selling Agent Coldwell Banker in Ventura County

by the California Legislative Woman’s Caucus, awarded by the California Senate and Assembly

Marble countertops, fireplace surrounds, wide-plank, white oak flooring, custom millwork and solid wood cabinetry. The lush landscaping provides an elegant counterpoint to this 5-acre sophisticated gem sitting just above Thousand Oaks in Santa Rosa Valley, a hidden celebrity enclave. Escape the city but be minutes to shopping & dining in Westlake and Thousand Oaks and 45 minutes to Beverly Hills. Views of the surrounding rolling hills and afternoon ocean breeze coming through the hills add to the incredible ambience of this quiet, private oasis. Calabasas and Malibu are close by, and Montecito can be reached in 45 mins. Erinn V.’s luxury properties are regularly featured in Forbes, Architectural Digest, Elle Decor, New York Times and many more. Her clientele are global power hitters and celebrities alike! Room for a barn, large guest house or additional garage for a collector. Entertain in style on the lush grounds. Great schools locally for children. Safe, quiet and easily accessible to the private airport in Camarillo, 20 minutes away. The gated estate includes a 300+ tree Avocado orchard and the soil is prime for growing wine grapes. Neighboring vintner’s are producing 95 point rated wines locally. Located in a prestigious equestrian neighborhood, with room for barn and pasture, private community arena just 50 feet away and miles of riding trails accessed directly from the property. Available to be sold fully furnished.

This spacious custom residence built by Alan Schaub, in the highly desirable Las Posas Estates neighborhood offers an abundance of quality features and aspects that truly make this property one of a kind. Complete privacy on over 1 acre lot, fully fenced. Ample parking with extra curbed spaces for additional vehicles on driveway. Automatic front iron gate with keypad. Extensive living room formerly used as a ballroom with a step-up area for space for a live band. Upstairs Master bedroom suite with huge walk-in closet and luxurious bathroom with ornate soaking tub and custom shower with multiple heads and steam. There are three additional secondary bedrooms upstairs and two more full baths. There is a bedroom on the main floor adjacent to a full bath. Boasting expansive living spaces, dramatic ceiling heights, intricate detailing, distinctive fireplaces and the finest finishes at every turn you will find this property checks all the must have boxes. There is a dedicated office, formal dining room, family room with walk-in wet bar, eat-in kitchen dining area. At the northern end of the estate, there is an attached separate guest quarters upstairs with separate entrance, full bathroom, fireplace in living room, bedroom and second built in bar. All upstairs bedrooms have sliding doors leading out to the beautiful wraparound second story wide patio. There is a variety of fruit trees (apples, orange, loquat, lemons, guava, avocado). Swimming Pool with automatic cover connected to solar panels to provide use throughout the year. A professional tennis or pickle ball court with solar lights for nighttime games with friends and family. Practice wall located next to the tennis/ pickle ball court. Built-in barbecue, kitchen, and covered areas for outdoor dining and entertainment. Gleaming hardwood flooring, built in central vacuum, zoned HVAC systems. Alarm system. Indoor laundry.

805.479.7653

Distinguished architectural bearing & the use of enduring “Tennessee barn wood” and dark distressed wide plank flooring makes this truly one of the most unique properties to grace the Santa Rosa Valley Completely remodeled within the last 4 years, the home features.. (4) bedrooms, (3.5) bathrooms, a beautiful designers kitchen with custom cabinetry, statuary marble, raised subway tiles, wide planked distressed dark wood flooring, crystal chandeliers and Sub Zero/Wolf appliances! Formal dining, living room with fireplace, family room, as well as a bedroom or office with bathroom and laundry room on the lower level. Upstairs you will find reclaimed barn wood flooring throughout! The primary suite features a large fireplace with Schoenbeck Swarovski crystal chandeliers and sconces, bath with marble shower, walk-in closet and large jacuzzi tub! There are two additional bedrooms, a full bath and large balcony with a view of the entire yard and hillsides! Located above the 3 car garage with a secondary laundry area and vast amounts of storage is where you will find a man cave that will make you the envy of all your friends! Created as a old world speakeasy cigar lounge with private entrance you will find dark stained knotty wood, distressed dark wood flooring and a unique black granite featuring a commercial grade 13ft bar, kegerator, wine refrigerator as well as additional refrigeration units. Automated skylights, separate heating and air, high end sound system and a private balcony overlooking your grounds and beyond! Whether having your friends over to watch the big sporting event, hosting the weekly poker game or simply enjoying a fine cigar and scotch while listening to your favorite music on your private balcony this man cave is a must see! Entertainers yard with outdoor cooking area, pool with water and fire features! Situated on an acre of usable land zoned for horses with direct access out your back gate to riding trails with room for a guest house, RV, boat and all your toys!!!! This is your opportunity to own one of Santa Rosa Valley’s most recognized and coveted estates.

CALIFORNIA MAGIC LOCATED ON OVER 23 ACRES + GUEST HOUSE + 2 FIVE CAR GARAGES

758 Donnington | 4 beds | 4 baths | Wood Ranch Country Club | $5,499,000 | CallRosemary.com

European estate where romance mingles with California magic! Located on over 23 acres, located behind private gates high above the Wood Ranch Country Club, this palatial Tuscan-inspired villa spanning over 7,000 square feet under roof, captures 360-degree sunlit views from every window across lush lawns on its lot situated as the crown on its own hilltop. Classic architectural elegance is revealed from the grand foyer, archways and volume ceilings and rich inlaid flooring. The superb resort-size backyard seems to be at the top of the world, enjoying a resort-style infinity pool and spa, private one acre lake, nature preserve, space for a helipad, two separate 5 car detached garages, separate guest house, outdoor entertainment barbecue center, fruit trees, lush landscaping and circular stamped drive gracing the entrance. Originally located on the land that was a ranch owned by the Wood family who developed Wood ranch, this property enjoys membership in Wood Ranch Country Club without cost as a benefit of home ownership. No HOA rules govern the residence- but owner pays a monthly amount for road and gate maintenance. The master bedroom suite located upstairs is a separate wing with his and hers closets and a luxury bath. 5 gas fireplaces in main residence and one in guest house. There is an attached guest quarters with an additional bedroom and a detached guest house with another.

This completely reimagined sprawling single level home is located in the coveted Las Posas Estates on a corner southern exposure flat lot of over 1/2 acre. Enjoy carefree Country Club Living with an owned 9.6 KW Solar system providing zero electric bills including your electric car charging. In the main house there are four spacious bedrooms, three full remodeled/ upgraded baths, newer flooring, new window furnishings, and newer light/fans. Primary bedroom suite indulges the owner with new window treatments, luxurious remodeled bath, dressing room and walk-in closet finished with closet organizers. Formal dining room with room for large entertaining. Chef’s gourmet kitchen with stainless appliances, granite island, breakfast bar, new GE Cafe Keurig refrigerator, microwave, built-in gas range and oven. There is a large laundry room complete with newer washer and dryer, and separate Mud room with new cabinets. Distinguished architectural bearing & the use of enduring flooring throughout provides timeless elegance and style. The welcoming expansive family room has a stone fireplace and great views of the patio and rear yard. In addition, there is a detached approximately 320 square foot guest quarters/studio/gym with kitchenette and full bath complete with separate heating/cooling system. This architectural masterpiece offers extraordinary artisanship, & a stylistic confluence of modernity & sophistication that redefines all expectations featuring volume ceilings, newer windows for extraordinary light filled radiance. Masterful architecture seamlessly combines indoor and incredible outdoor living spaces with exquisite sliding doors leading to the large patio constructed from durable Trex decking, perfect for dining alfresco. Built-in gas BBQ area near 2020 Marquis spa included. The rear yard is a blank canvas waiting for your brush, providing year-round enjoyment with 40+ Organic fruit trees (Santa Rosa plums, avocado, orange, lemon, lime, persimmon, pomegranate, strawberry trees, passion fruit, Jujubes) and herbs with easy maintain drip system, rain gutter water collection, river rock collection, large organic bark park like yard for family and pets. Storage sheds. All underground utilities with newer PVC drains, copper pipes and sewer service. 200 Amp service with a 240V/50A plug-in for electric cars, HVAC, water heater. Newly constructed concrete circular driveway with RV parking area. Built with high end quality finishes throughout. Reduced to only $1,789,000

Located on a picturesque lot in Santa Rosa Valley, this one-story features classic Traditional architectural elegance. Panoramic view home include exquisite entry, fireplace in formal living room and family room. The island kitchen has durable wood flooring, ceramic counter-tops, and large eat-in kitchen area. Home needs updating, but great location and floorplan! Formal dining room off entry with large built-in butlers pantry cabinetry. The master bedroom suite is located on the East wing of the residence with amenities that include a large walk-in closet, luxury bath. There are three additional spacious secondary bedrooms, and a full bath. The fourth bedroom located at the other end of the home off the laundry room area with a full bath which makes it a great guest room or office. Additionally there is a large laundry room with a built-in sink. The rear yard has a spectacular views. There is possible RV access on the west side of the property. Offered at $1,799,000

Investing for Life

"April showers bring May flowers."

This famous proverb reminds us that sometimes we must weather storms to achieve our goals, a perfect sentiment for this month’s investment-themed issue. Savvy investors know that patience and time are key elements in realizing the greatest returns on your investments. This rule of thumb applies to all types of investments, from financial to emotional and more. Investing time and energy in things that matter pays priceless dividends.

The pages of this issue focus on investing in its many forms. Our feature article about State Restoration focuses on investing in your home, one of the best and biggest investments most of us make. Whether designing, remodeling or restoring your home, State Restoration has the know-how to bring your projects to fruition in a timely, cost-efficient manner.

Growing your dollars by smartly investing your hard-earned money is discussed in Investing for Life, an interview with Andrew Wyatt, founder of Wyatt Financial and Insurance Solutions. Formulating a long-term plan for your finances with a knowledgeable professional like Andrew lays the foundation for a solid financial future.

This issue also includes an article about Montecito Bank & Trust’s Financial Literacy classes aimed at empowering youth and adults to be more prepared with the knowledge they need to make informed financial decisions now and in the future.

The importance of investing in your relationship is discussed by psychologist Barton Goldsmith (see page 54). His action steps for saving money while getting closer to your partner will help couples work toward and achieve their goals.

Housing Trust Fund Ventura County shares an innovative plan for investing in the community by providing affordable housing on educational properties. Read all about it in the Investing in Community article.

We hope these pages inspire investments of all kinds that yield unlimited future returns for years to come.

Cheers!

TRACY MARCYNZSYN, EDITOR @CONEJOVALLEYLIFESTYLEMAGAZINE

April 2024

Ben Malkin | Ben.Malkin@citylifestyle.com

Robin Chesler | Robin.Chesler@citylifestyle.com

EDITOR

Tracy Marcynzsyn | Tracy.Marcynzsyn@citylifestyle.com

CONTRIBUTING WRITERS

Barton Goldsmith, Tracy Marcynzsyn, Heriberto Rodriguez CONTRIBUTING PHOTOGRAPHERS

Crawford Social, State Restoration

Corporate Team

Schowengerdt

Perry

Thompson

OF FIRST IMPRESSIONS Jennifer Robinson

Lockhart

Home Protection for Seniors, Severely Disabled, Families and Victims of Wildfire & Natural Disasters Initiative

Proposition 19 in California expands property tax benefits for seniors, disabled individuals, families, and wildfire/disaster victims. It allows homeowners over 55 or with disabilities, as well as those affected by wildfires or natural disasters, to transfer their primary residence’s taxable value to a replacement property anywhere in California, regardless of value, with certain conditions. Additionally, it modifies inheritance rules, requiring recipients of inherited property to use it as their primary residence or family farm to retain the taxable value, with adjustments for properties valued over $1 million. Overall, Proposition 19 aims to provide greater flexibility and protection in property transfers and inheritance in the state.

How does Proposition 19 affect property tax base transfers?

Starting April 1, 2021, Proposition 19 allows an owner of a primary residence who is over 55 years of age, severely disabled, or a victim of a wildfire or natural disaster to transfer the taxable value of the primary residence to a replacement primary residence:

• Anywhere in California

• Purchased or newly constructed within 2 years

• Of any value with an upward adjustment for a more expensive replacement

• The property tax base can be transferred up to three times for persons over 55 years old or with severe disabilities and once for wildfire or disaster victims.

How does Proposition 19 affect inherited properties?

Starting February 16, 2021, Proposition 19 narrows the rules for parent-to-child or grandparent-to-grandchild exemption for inherited properties. The child or grandchild can transfer the taxable value of the inherited property if:

• The property is the principal residence of the child or grandchild or is the family farm.

• The homeowner’s or disabled veteran’s exemption is claimed within one year of the transfer to the child or grandchild.

• The property is used as the principal residence and has a market value above $1 million, in this case an upward adjustment in assessed value would occur.

Replacement Homes

• Homeowners must purchase a replacement home or newly construct one within two years of the sale of their original home in its damaged condition.

Tax base transfers

• Homeowners can purchase a replacement home of greater value than their original home and transfer their tax base with an adjustment to account for the value difference.

Inter-county transfers

• An inter-county transfer can occur between any two counties in the state of California.

Gray Divorces (couples over 50 years old)

• For some divorcing couples, Prop 19 allows them to transfer their tax assessment anywhere in California.

Bottom Line

Bottom line, for anyone considering transferring property in California, especially those eligible under Proposition 19, it’s essential to thoroughly understand the new regulations and eligibility criteria. I am not an accountant, and not qualified to provide tax advice, this information was provided via the internet. Prioritize consulting with a real estate attorney or tax advisor to navigate the complexities of the process effectively and how they affect you personally. Take advantage of Proposition 19’s provisions, such as transferring taxable values for eligible individuals and families, but ensure compliance with the requirements and deadlines outlined in the proposition. Additionally, stay informed about any updates or changes in property tax laws to make well informed decisions regarding property transfers in California.

Rosemary Allison is one of the country’s most successful Realtors. Her vision and reputation as a trendsetter in the science of marketing Los Angeles & Ventura Counties finest estates, established her as one of the most innovative leaders in real estate professionals.

Rosemary’s dedication to the community and strong work ethic have earned her numerous honors and accolades including multiple years of recognition in the Wall Street Journal as one of the top selling 250 agents in the USA. Ranked as the #1 top producing Realtor by volume of sales with Coldwell Banker in Ventura County, in 2023 she was recognized by the Daily News Reader Poll as the BEST Realtor in Ventura County, this is the 6th year in a row she has been chosen for this award. She was also Voted the 2023 #1 Best Real Estate Agent in Ventura County by the VC Star Readers Community Choice Awards.

Rosemary Allison is well known for her hard work and generosity. In 2020 she was chosen as the Woman of the Year in Assembly District 44.

Rosemary is an expert in the details and subtleties that define multi-million-dollar negotiations. Rosemary can give you advice on improvements that will highlight your home’s strengths, downplay its weaknesses and appeal to the greatest possible pool of prospective buyers. Innately understanding the finer points of caring for clients with high net worth, and even higher expectations, Rosemary utilizes multimedia print and digital internet advertising to masterfully unite sellers of the finest homes with quality buyers from across the globe. Contact Rosemary by phone at (805) 479-7653 or email at RosemaryAllison@aol.com. You can also visit her website at www.CallRosemary.com.

Welcome to Our Shangri-La

Mountains rise toward the sky; rows of vines stretch out and your journey of self-discovery begins. We invite you to ignite your passions, awaken your senses and come away inspired.

Mizel Estate Wines is about more than superb wines. It is a lifestyle.

Wine Tasting in the Vineyard

Every Fourth Saturday Monthly, Seatings at 1PM and 2:30PM

Visit our private estate for an afternoon wine tasting in our breathtaking vineyard. Indulge in a flight of our luscious, velvety red wines that dazzle the palate with lingering flavors of fruit and spice. Our First Impression Bordeaux Blend, Smooth Touch Syrah and Easy to Please Grenache are made in the Bordeaux style from 100% estate-grown grapes nurtured in Mizel’s unique terroir. Enjoy a guided tour of our vines, where the winemaking magic begins.

Art and Wine Series with Bobbie Rich

Every Second Saturday Monthly, 3-5PM

Free your inner artist with an immersive art and wine class. Surrounded by idyllic vistas, create your masterpiece under the gentle guidance of artist Bobbie Rich. Delight in Mizel wine as you bring your vision to life. Bobbie is an internationally acclaimed artist and a gifted teacher of all media, so there is always something fresh on the horizon.

We would love to raise a glass with you. Scan our QR code for upcoming events.

Mizel Estate Wines 1050 W. Potrero Rd. Thousand Oaks, CA 91361

WWW.MIZELESTATE.COM

STATERESTORATION

INVEST IN THE HOME OF YOUR DREAMS

ARTICLE BY TRACY MARCYNZSYN PHOTOGRAPHY BY STATE RESTORATION

“Rest assured that our team is dedicated to providing the highest quality service and craftsmanship to our clients.”

Your home is your castle, so creating an environment you and your loved ones can enjoy for years to come is one of the best investments you can make.

Whether designing, remodeling or restoring, homeowners have turned to State Restoration in Westlake Village to ensure their home projects are expertly executed from start to finish. Since 1999, State Restoration has helped hundreds of homeowners complete a wide range of projects, from residential and commercial to industrial, catering to diverse client requirements and handling all aspects of design and engineering through construction.

Founded by Darlene and Doug Kimbell, State Restoration and its team of over 20 professionals specialize in design, project

management, construction, architecture and engineering, serving as a one-stop shop to get your project done seamlessly from start to finish.

“Rest assured that our team is dedicated to providing the highest quality service and craftsmanship to our clients,” says Darlene Kimbell. “We understand the importance of creating a space that not only meets your needs but also reflects your personal style and taste.”

START WITH A VISION

The first step to getting started on your home project begins with a visit to State Restoration’s 10,000-square-foot showroom in Westlake Village. Designed to help your ideas come to life, the showroom features extensive options and ideas

“Before commencing any project, we invest significant time and effort in comprehensive planning.”

for cabinets, flooring, counters, tile, hardware, kitchen fixtures and more.

“We offer timeless quality materials that can fit within your budget and transform your space,” says Darlene, noting that clients are invited to share their vision and ideas with the experts at State Restoration.

“We welcome you into our Westlake Village showroom to experience our personal service and start your design process. We take detailed notes and sketches of your requirements and preferences, then our designers work on putting together a sketch that will bring your vision to life.”

PROJECTS SMALL AND LARGE

Whether a small renovation or a large-scale construction project, State Restoration’s experienced industry professionals have the experience and expertise to deliver exceptional results.

“We continually stay updated with the latest industry trends, technologies and best practices. This enables us to offer creative and practical solutions tailored to your specific needs, ensuring optimal efficiency, functionality and aesthetics in your project,” says Darlene.

From kitchen and bathroom to full home design and construction services, State Restoration ensures a smooth and easy process, resulting in satisfied clients and beautiful spaces.

“Whether you need to completely reconfigure your kitchen and cabinets, or modernize the existing area, at State Restoration, customer satisfaction is our top priority,” says Darlene. “We take pride in delivering exceptional results and ensuring a seamless and stress-free remodeling experience for our clients. We are confident that with our expertise and attention to detail, we can create a living space that exceeds your expectations.”

QUALITY IS KEY

Their emphasis on high quality materials, craftsmanship, competitive pricing, attention to detail and time management ensure customer satisfaction.

“Choice of materials is crucial for ensuring a high-quality outcome,” notes Doug. “We pride ourselves on using only the finest materials for our projects. We understand that each project is unique, and our team of experts will work closely with you to identify the most suitable materials for your specific requirements. Whether it's for structural integrity, energy efficiency or aesthetic appeal, we have the expertise to guide you in making the right choices.”

Ensuring the best value for clients is also a priority at State Restoration.

“We understand the significance of competitive pricing without compromising on quality,” says Doug. “We have established strong relationships with suppliers and manufacturers, allowing us to procure materials at competitive prices. Additionally, our team is skilled in value engineering, which involves identifying cost-saving opportunities without sacrificing quality.”

A keen attention to detail at every stage, from planning and design to implementation and finishing touches, is another key element in State Restoration’s formula for success.

“Before commencing any project, we invest significant time and effort in comprehensive planning. This includes thorough assessments, meticulous measurements, and detailed design considerations,” says Doug, adding that these extra planning efforts keep projects on schedule.

RESTORATION & REBUILDING

Unexpected damage caused by fires, floods, earthquakes and other disasters are stressful in themselves. State

Restoration specializes in helping homeowners navigate insurance and restore their residential or commercial property when the unexpected occurs.

Serving Westlake Village, Thousand Oaks, Calabasas, Malibu and beyond, State Restoration provides concierge service to deliver the highest level of service to clients.

“Thank you for considering State Restoration Inc. for your remodel,” says Darlene. “We appreciate the opportunity to be a part of transforming your space into something truly remarkable.”

Schedule a complimentary consultation today at 805.379.1276 or visit StateRestoration. com to learn more.

Dynamic Duo Delivers!

Husband and wife owners, Darlene and Douglas Kimbell make a great team! With over 30 years’ experience in the business, they each offer their own special gifts and expertise to assist you with your design and remodeling project. Their full team of designers, architects and project managers will bring your vision to life. They understand that a well-designed kitchen or bathroom can make a big impact on the overall feel of your home. Whether you need to completely reconfigure your kitchen or bathroom or modernize the existing areas, they are here to assist. They stand behind their work so you can be assured it gets done correctly the first time, and you will be taken care of every step of the way.

Crawford’s Social Opens in Westlake

Crawford's Social, a brand new and unique addition to the social and dining scene in our community, celebrated their Grand Opening with a gathering featuring the management team that built and launched the convivial bar and lounge in the heart of Westlake Village.

Created by local residents, the expansive 15,000-square-foot space offers a stylish sett ing where friends and family can come together to unwind and celebrate life's moments on the resort-inspired outdoor patio, the inside bar or nestled into the “Sinatra” booths amidst the illuminated trees, firepits and fountain. Crawford’s Social features an expertly crafted cocktail program, crafted by expert-mi xologist Ruairi Gilles, a 25-year London hospitality veteran with two of the World’s 50 Best Bars. They also offer boutique wines, locally brewed beers and an inventive, California-inspired

shareable menu, all in a stunning, loungelike, indoor/outdoor environment.

An event highlight was the unveiling of a new Conejo Valley rabbit sculpture created by Bonny Butler in collaboration with Art Trek. To assist Art Trek in their ongoing artistic quest in our community, Crawford's Social donated $5,000. Various other awards were given out, from contractors to designers, to celebrate all of the hands that went into the project. The bar and lounge now employs over 170 people from local and surrounding communities and offers a welcoming atmosphere for all seasons, gatherings and events.

No matter where, there is a place for everyone. Crawford’s Social is redefining the social scene for local residents and surrounding communities alike; allowing them to invest their business directly into the community, rather than having to travel to LA for a quality experience.

The bar and lounge now employs over 170 people from local and surrounding communities... “

Investing for Life:

WYATT FINANCIAL & INSURANCE SOLUTIONS

When it comes to investing, knowledge is power. Knowing where and how to invest your funds is essential to grow your dollars and build a secure financial future. Andrew Wyatt, owner of Wyatt Financial & Insurance Solutions, LLC and Wyatt Wealth Advisors, LLC, in Westlake Village, knows firsthand how smart investing can build security.

“My father was my role model,” says Andrew. “He came from poor humble beginnings and put himself through night school while he worked to support his mother and brother. After serving in the Navy, he went to law school and graduated at the top of his class. My father worked very hard, but he was savvy with investments. He owned stocks, bonds and real estate.”

Spurred by his father’s example, Andrew took an interest in investing and earned his Certified Financial Planner© designation.

“I founded Wyatt Financial & Insurance Solutions, LLC and Wyatt Wealth Advisors, LLC, to help my clients achieve financial security in their retirement,” he says, noting that his typical clients are aged 45 to 70, typically professionals or business owners, who have at least $250k of investable assets.

Here, he shares some insights and guidelines for investing.

Q. HOW SHOULD THOSE NEW TO INVESTING GET STARTED?

A. If you are new to investing, it is best to work with a financial professional to help guide you.

Q. WHAT ARE SOME OF THE BEST INVESTMENTS PEOPLE CAN MAKE?

A. It depends on where they are at in their life. If they are younger, I recommend investing in stocks. If they are older and getting closer to retirement, I would recommend safer investments like a fixed index annuity or fixed index universal life insurance. The choice of investments would be dependent on your risk score.

Q. IS THERE A GENERAL RULE OF THUMB AS TO WHAT PERCENTAGE OF YOUR INCOME SHOULD BE INVESTED?

A. Everyone’s situation is unique. We would analyze your current situation and develop an investment plan specific to your needs.

Q. WHAT IS YOUR ADVICE ABOUT CRYPTOCURRENCIES?

A. Cryptocurrencies are still new and unproven. Unless you want to speculate and are not afraid to lose your investment, it is best to avoid these investments.

Q. WHAT ARE THE MOST COMMON INVESTMENT MISTAKES?

A. The biggest mistake is when people panic and sell at the wrong time.

Q. HOW HAS INVESTING CHANGED OVER THE YEARS?

A. There are more options to invest in, making decisions more complicated.

Q. WHAT SHOULD PEOPLE BE AWARE OF WHEN INVESTING?

A. They need to understand all of the risks of the investment before they invest.

Entrusting your funds with a knowledgeable investor that you can trust for the long term is essential to a secure financial future, emphasizes Andrew.

“I am a fiduciary which means I put the client’s best interests before my own,” he assures. “I believe in developing long-term relationships with my clients and being their advisor for life.”

Wyatt Financial Solutions is located at 4195 East Thousand Oaks Blvd, Suite 175 in Westlake Village. Call them today at 818.710.3820 or visit WyattFinancialSolutions.com to learn more.

“Financial freedom is available to those who learn about it and work for it.” –Robert Kiyosaki

“I founded Wyatt Financial & Insurance Solutions, LLC and Wyatt Wealth Advisors, LLC, to help my clients achieve financial security in their retirement.”

Custom silk trees with

trunks

ALDIK HOME

After a couple months of dodging crazy rainstorms, we’re all ready to reclaim our outdoor space. And if we’re being honest, after all this rain, our patios could use a makeover. For more than half a century, Aldik Home

even in coastal environments. Wellconstructed from premium materials, that’s the mantra of Summer Classics that continues with their gorgeous resin wicker and aluminum furniture as well.

“DISCOVER EVERYTHING YOU NEED TO TURN YOUR HOME INTO AN OASIS.”

has been a go-to source for anyone in Los Angeles looking to beautify their homes. For those looking to create their perfect backyard paradise with high-quality patio furniture, there is nothing like Aldik Home’s collection of Summer Classics on the market.

The line is meticulously crafted from premium materials using both age-old building methods and state-of-the-art finishing processes to ensure the furniture will last for years to come. While other manufacturers may be more wellknown, Summer Classics is built to a higher standard and is more comfortable than anything on the market.

All of Summer Classics teak furniture is made with marine-grade, sustainably harvested teak and is available in two finishes: natural and a pre-weathered, low-maintenance finish called Oyster. Center-cut from the heartwood of Indonesian Teak, this is the finest teak in the world, performing flawlessly

Summer Classics is that rare, luxury outdoor furniture line that hits every note. It is stylish and sophisticated, as luxurious as indoor furniture, and built to last. With more than 35 collections represented, Aldik Home features the finest showcase of Summer Classics furniture in the country.

If you’re looking to turn your outdoor space into the hottest new hangout, Aldik Home is proud to feature American Fyre Designs fire tables and bowls with a gorgeous collection made from durable GFRC. This composite material is strong, weather resistant, fire retardant, impermeable, and simply stunning. These firetables and fire bowls are perfectly suited to even the harshest marine environments. Accented with your favorite selection of fire media, such as reflective fire glass, these American Fyre Design fire tables are not only stunning, but will stand the test of time.

Beat the sweltering summer heat under the gorgeous canopy of a Treasure Garden cantilever umbrella. With 360-degree rotation, front to back and side to side tilting, and gorgeous fabric options, it’s easy to see why craftsmanship, beauty, and ease of operation sets Treasure Garden apart from other umbrella manufacturers. Custom order the umbrella of your dreams, or choose from Aldik Home’s in-stock collection for an instant backyard transformation.

All of these beautiful outdoor furniture collections, fire tables, and umbrellas are interspersed amongst the most realistic artificial trees, gorgeous floral arrangements, and so much more that make Aldik Home the most beautiful store in Los Angeles. Discover everything you need to turn your home into an oasis. Prepare to be inspired: there’s no place like Aldik Home.

BUSINESS INFO

ALDIK HOME

7651 Sepulveda Boulevard Van Nuys, CA 91405 818.988.5970

AldikHome.com

“FOR THOSE LOOKING TO CREATE THEIR PERFECT BACKYARD PARADISE WITH HIGH-QUALITY PATIO FURNITURE, THERE IS NOTHING LIKE ALDIK HOME’S COLLECTION OF SUMMER CLASSICS ON THE MARKET.”

left to right: Ellie Lavi, Portfolio Associate, Michael Shelley,

Associate, Laura M. Raulinaitis, CFP, Senior Vice President-Financial Advisor, P. Darius Raulinaitis, CFA, Senior

President-Financial

Dennis Nagdeman, CFP, Senior Vice President-Financial Advisor, Kseniya Tsipis,

Montecito Bank & Trust

More than 2,100 students and adults participated in over 270 hours of financial literacy classes offered by Montecito Bank & Trust (MB&T) associates in 2023. Complete with lessons, activities and in some classes the opportunity to open accounts on the spot, MB&T associates cover foundational topics from establishing goals, determining needs vs wants, budgeting and banking basics, to the importance of saving, understanding credit and investment basics, and protecting one’s information.

Chairman and CEO Janet Garufis believes that “One of the many ways we can best serve our community is to increase the financial knowledge and create comfortable environments for residents, businesses, and nonprofits to discuss financial matters. Recent studies highlight the growing gap in financial literacy across the country and here in California; our associates are eager to be a part of the solution.

By providing this critical information, we can help empower youth and adults to be more prepared with the knowledge they need to make informed financial decisions now and in the future.”

Working with schools and client organizations across Santa Barbara and Ventura County, some of the partnerships have included a 3-week series the United Way of Santa Barbara County’s Fun in the Sun Summer program, bi-monthly Zoom classes for adults with the Housing Authority of the City of San Buenaventura and participation in the annual American Bankers Association Teach Children to Save Day program. After attending one of the bank’s workshops, a local high school student said, “I have never heard about these topics, so it feels really good to learn about ways I can start saving today to invest in my future, and I am going home and sharing with my parents too.”

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In partnership with the Audacious Foundation, the bank also opened over 75 savings accounts for 9th graders in Santa Barbara Unified School District’s Program for Effective Access to College (PEAC). In addition to the Foundation’s $50 opening deposit contribution, MB&T offers a onetime $25 savings incentive to students who maintain at least a $50 balance for six months. Brianna Aguilar, AVP Events and Community Programs Officer at MB&T, notes, “This unique program not only provides a financial incentive and inspires financial confidence, but our family night workshop also brings families together to learn about saving and investing and talk through what can be intimidating topics.”

Taking their focus on financial literacy one step further, the bank has introduced a partnership with Greenlight®, a company whose mission is to empower parents to raise financially smart, independent kids and teens, through an engaging mobile app and debit card. The app’s Level Up™ interactive, curriculum-based financial literacy game engages kids with fun games, quizzes, and lessons that go beyond the National Standards for K-12 Personal Financial Education to empower young people with money skills and confidence. Excited about this partnership, Garufis commented, “As local families face an increasingly complex financial environment, this partnership offers an innovative, fun, and real-world solution to give kids hands-on money management experience and parents the ability to send money and monitor spending.” Montecito

Bank & Trust customers can learn more and sign up online for a complimentary subscription at https://montecito.bank/ personal/additional-services-greenlight. Montecito Bank & Trust is the oldest and largest locally owned community bank in the Santa Barbara and Ventura counties. Founded in 1975, the bank celebrated its 48th anniversary on March 17, 2023, and operates 13 branch offices in Santa Maria, Solvang, Goleta, Santa Barbara, Montecito, Carpinteria, Ventura, Camarillo and Westlake Village. Montecito Bank & Trust has a history of unwavering corporate philanthropy in the local communities it serves. The bank offers a variety of competitive deposit and lending solutions for businesses and consumers, including business loans and lines of credit; commercial real estate finance; SBA loans; mortgage loans, consumer loans; credit cards; merchant services; and online services, including mobile banking and cash management. Its Wealth Management Division provides comprehensive trust services and full investment management for all branch office markets. The bank has earned 27 Best Bank awards in the past 11 years, in addition to numerous accolades for Best Mortgage and Best Financial Services Company in Santa Barbara, Best Investment Company in Santa Ynez Valley and the fourth Best Bank to Work For in the United States (American Banker Magazine)

For more information, please contact Chief Strategy Officer Megan Orloff, EVP, at 805.564.0236 or morloff@montecito.bank.

The Meadowglade is a scenic and secluded treatment center specializing in mental health and eating disorders. Our individualized treatment programs allow you to thrive and meet challenges with selfawareness, clarity, and stress management. We help families, couples, and individuals by providing the tools needed to navigate through mental health challenges and achieve long-lasting recovery.

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Investing in Community:

HOUSING TRUST FUND VENTURA COUNTY

A sold-out crowd of 350 key decision makers in education, government, land use planning and affordable housing development gathered at the end of February for Housing Trust Fund Ventura County’s (Housing Trust Fund VC) Annual Meeting and “A Home for Education” symposium. The latter was presented in collaboration with the County of Ventura, CSU Channel Islands, Ventura County Office of Education and Ventura County P-20 Council.

Held at CSU Channel Islands (CSUCI), the crowd was welcomed by Dr. Richard Yao, President of CSUCI, and Dr. Cesar Morales, Ventura County Superintendent of Schools. The Annual Meeting highlighted accomplishments by Housing Trust Fund VC, including $27.5 million in funded or committed loans since 2013 and $40 million raised, including $22.9 million from State and Federal government grants, with just over $14 million of that from California State Proposition 1 matching funds, $9 million provided by local government and $8.5 million in donations, grants and community impact note investments from private business and individuals. The resulting impact has brought 1,177 affordable

apartments and homes committed, funded and produced throughout Ventura County in just over a decade. The meeting also provided an opportunity for community members to provide comments about Housing Trust Fund VC’s products and services.

Following the Annual Meeting, “A Home for Education” was presented, informing attendees of current issues surrounding the development of affordable housing on educational properties and providing an opportunity for discussion. Keynote presentations by Abraham Galvan Sanchez of Best, Best, and Kreiger LLP and Al Grazioli of the Los Angeles Unified School District offered clarity and guidance to the legislative hurdles surrounding affordable housing development on educational land.

Grazioli, an expert in site selection and planning, spoke directly to the need for school districts and governments to use as many avenues as necessary to address the housing crisis, including developing affordable housing on underutilized educational properties. By leveraging these valuable resources, local governments and school districts can provide affordable housing near schools to the education workforce they depend on.

A panel discussion followed, moderated by Linda Braunschweiger, CEO, Housing Trust Fund VC and Housing Land Trust VC, and included Sanchez and Grazioli as panelists along with Scott Kolwitz, City of Thousand Oaks; Ken Triguerio, People's Self-Help Housing; and Chelsee Russell, County of Ventura. Local case studies were presented by Dr. Kimberly Hoffmans, of Ventura College, Sabrena Rodriguez of the Ventura County School District, and Laurie Nichols from CSUCI.

The event concluded with a guided shuttle tour of two developments adjacent to the CSUCI campus, Anacapa Canyon (mixed-residential community consisting of Market-Rate Apartments, Age/Income Restricted Apartments and a combination of For-Sale Single Family Homes and For-Sale Attached Townhomes by developer Kennedy Wilson) and the currently under construction, University Glen (170 affordable senior apartments). Both developments were built for CSUCI by McCarthy Companies, a local developer of affordable housing and are home to nearly 2,000 residents, including CSUCI employees, educational allies, alumni, military partners and the general public. The communities represent a unique public-private partnership between developers and California State University Channel Islands (CSUCI) that generates a significant revenue stream to benefit the campus while delivering much-needed housing to the local community.

“Affordable housing for all includes housing affordability for our local educators and educational staff.”

The guided tours shuttled groups to the nearby developments where attendees witnessed the effects firsthand. Both Anacapa Canyon and University Glen were examples of the mission set forth by “A Home for Education” and Grazioli, demonstrating the ability to turn underutilized educational properties into affordable housing solutions, helping to bring vibrant community and vital economy to local schools, and the value of investing in affordable housing. Solutions such as these are possible and necessary in addressing the housing crisis and providing educators with the housing they deserve at prices they can afford.

“Affordable housing for all includes housing affordability for our local educators and educational staff. We gathered many of the area’s leaders, and the energy in the room was one of solutions and determination,” said Linda Braunschweiger, CEO, Housing Trust Fund VC and Housing Land Trust VC. “Collaboration and community are the foundation of affordable housing, and we had both in abundance for this widely attended meeting.”

For those interested in developing solutions and adding their support for affordable housing in Ventura County, the next step is to attend, “Unlocking Affordable Living – Reshaping Housing Solutions,” presented by Housing Trust Fund VC on Thursday, May 9, 2024, at Walnut Grove at Tierra Rejada Farms in Moorpark. To attend this event or to see the full Housing Trust Fund Ventura County 2023 Annual Report, visit HousingTrustFundvc.org/.

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BARTON GOLDSMITH

CONTINUED

Barton Goldsmith, PhD

Barton Goldsmith, PhD, is an award-winning psychotherapist and humanitarian in Westlake Village. He is also a columnist, the author of eight books and a blogger for PsychologyToday.com with over 35 million readers. He is available for in-person & video consults world-wide, reach him at Barton@BartonGoldsmith.com.

1. Eat in. Cooking as a couple is a bonding experience and fun. I believe that when two hearts and four hands are preparing a meal together, it becomes food for the soul as well as the body.

2. Share dinners. Splitting an appetizer, an entrée and a dessert is good for your body as well as your wallet. There’s also something bonding about sharing food.

3. Watch movies at home. These days going to the movies can cost as much as filling up your gas tank (if you include popcorn). Streaming a movie and sharing some Orville Redenbachers is an inexpensive and fun evening, especially if you cuddle up.

4. Go on a weekday picnic. Don’t just brown bag it, but take the time to make a nice lunch with things you really enjoy, and eat outside under a friendly tree with the one you love.

5. Share a series. Find a television show that you both like and make a date to watch it together for the entire run. On nights when your show doesn’t air, make a pact to do something else together for that time.

6. Grow your own. Whether it’s vegetables, herbs or flowers, harvesting your own food or décor gives you a wonderful feeling. Even if you live in an apartment, you can grow tomatoes and herbs in a window box.

7. Buy/sell used books. Again, you’re helping the environment by recycling, and even if you just donate old books, you can get a tax deduction.

8. Walk and talk. Grab your partner and hit the streets. Exercise is one of the cheapest, easiest, and emotionally bonding activities you can engage in.

Finding ways to save a little without shortchanging your relationship or sense of self-worth is much easier than you might think. Start with these ideas and, if you come up with some of your own, send them to me.

We take a holistic comprehensive approach to financial planning. We look at the big picture. We listen to what you want, analyze your situation, and make recommendations that address your needs. Our goal is to build long term relationships based on trust and confidence. Founded by Andrew Wyatt, Certified Financial Planner, we are fiduciaries who acts in your best interest. If you do well, we do well.

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RETIREMENT INCOME PLANNING: MAXIMIZING WEALTH AND LEGACY

Retirement marks the culmination of years of dedication, perseverance and sound financial choices. It's often envisioned as a period of relaxation, exploration and deep connection with family and friends. However, this dream doesn't just manifest. It necessitates forward-thinking and detailed planning, regardless of one's financial status. Amid global economic changes, evolving life expectancies and intricate tax systems, an all-encompassing and strategic retirement plan is more crucial than ever.

A key element of effective retirement planning is diversifying your income sources. While staples like 401(k)s or IRAs are foundational, it's equally important to branch out. Dividend-bearing stocks can provide regular dividends, bonds offer both periodic interest and principal return and real estate, whether directly or indirectly owned, has potential for both rental income and value

growth. Private investments can also yield passive income and impressive returns.

Tax considerations significantly influence retirement strategies. Each financial action, from asset sales to account withdrawals, can carry tax consequences. Knowing these details can greatly influence one's overall retirement income. Tactics such as Roth IRA conversions can help distribute tax liabilities over time, allowing for tax-free withdrawals later on. Using strategies like tax-loss harvesting can balance out capital gains, ensuring proactive steps to reduce tax impact.

SOURCES OF INCOME DURING RETIREMENT

Annuities have long been recognized as a popular retirement income source. An annuity is essentially a financial contract that can offer a steady and predictable income, with options that might even extend to lifetime payouts. Available in varieties like fixed, variable and indexed, they often come with tax advantages. However, retirees should also be aware of certain drawbacks. These might include fees and expenses, issues around liquidity, and potential concerns related to inflation.

Delving into the world of Alternative Investments, retirees can consider assets such as hedge funds, private equity and real assets, among others. These investments may promise higher returns and provide diversification away from traditional stocks and bonds. However, the complexities of these investments mean they often come with challenges like illiquidity, higher fees and the need for a thorough understanding of the investment itself.

Delaware Statutory Trusts (DSTs), while not familiar to everyone, can be a potential retirement income source. Historically rooted, DSTs offer a form of passive real estate investment, which can lead to regular distributions. They also open doors to 1031 exchange possibilities, offering tax deferral benefits. But, just like any other investment, DSTs have their limitations, notably the lack of liquidity and the heavy reliance on trust management.

Introduced by the Tax Cuts and Jobs Act of 2017, Qualified Opportunity Zones (QOZs) were designed to spur economic development. Investing in these zones can lead to deferral, reduction and even the potential elimination of certain capital gains taxes. However, they often require a long-term investment horizon, and retirees must be well-versed with the specifics of the chosen opportunity zone.

Retirement

Rental Income remains a favorite for many looking for consistent returns. Whether through direct property ownership or Real Estate Investment Trusts (REITs), real estate can offer passive income, tax benefits and appreciation. Yet, the responsibilities tied to property management, the uncertainties of market fluctuations and other associated costs must not be ignored.

The backbone of many retirement plans, Social Security Income, provides a safety net for millions. Established with the intent of financial assistance, the amount one receives depends on various factors. There are also strategies retirees can employ to maximize these benefits, such as deciding on the optimal time to claim or considering the implications of working while receiving benefits.

ESTATE PLANNING AND PHILANTHROPY

Beyond the immediate realm of retirement, estate planning emerges. This encompasses not just post-retirement arrangements but also asset distribution for future generations or charitable endeavors. Regularly reviewing wills, trusts and beneficiary designations ensures alignment with changing circumstances.

Philanthropy seamlessly integrates with retirement plans. Beyond fulfilling a personal mission to give back, it also carries financial benefits. Using instruments like donor-advised funds or charitable trusts lets individuals make impactful societal contributions while enjoying tax advantages.

You only get one retirement. In the ever-evolving world of finance, staying updated and flexible is essential to ensure the continued relevance and efficiency of one's retirement strategy.

Disclosures

Securities offered only by duly registered individuals of Madison Avenue Securities, LLC (MAS), member FINRA/ SIPC. Advisory services offered only by duly registered individuals of Csenge Advisory Group, LLC. MAS, Csenge Advisory Group, LLC and Impact Wealth, LLC are not affiliated entities.   Investing involves risk, including the potential loss of principal. This is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Our firm is not permitted to offer and no statement made during this presentation shall constitute tax or legal advice. Our firm is not affiliated with or endorsed by the U.S. Government or any governmental agency.

Every retirement journey is distinct, and each vision merits expert guidance. Impact Wealth is based in Boulder Colorado. You can contact them at Impact@ImpactWealth.com.

FINALIST

RECHARGING YOUR SOUL IN

Travel is no longer just a luxury, it’s an investment that has the power to enrich our lives in ways that traditional financial investments cannot. It broadens our horizons, enhances personal and professional growth, and allows you to recharge your mind and body.

Crystal-clear waters and perfectly white sandy beaches await to recharge the spirits of all weary travelers.

Cancún is known around the world as one of Mexico’s finest tourist destinations. Steeped in the rich history of the Mexican Caribbean, Cancún offers visitors the best that the Yucatán Peninsula has to offer. Whether you are coming for the all-inclusive resort experience or are looking to enjoy the seemingly never-ending gorgeous beaches, Cancún has it all. Unbelievably fresh and delicious seasonal cuisine, great weather, a rich cultural history, exquisitely clear turquoise blue Caribbean waters, and vibrant coral reefs are all waiting for you to explore when you arrive.

Nature lovers, environmentalists, thrill seekers, and luxury destination travel enthusiasts all have a place to call home in Cancún. Boulevard Kukulkan, more commonly known as the Hotel Zone, is home to Cancún’s most luxurious all-inclusive hotels and boasts some of the city’s finest restaurants, nightclubs, and shopping centers. This fifteen-mile-long sand bar separates the Caribbean Sea from the Laguna Inchoate. The brackish waters of

the lagoon’s nature reserve and Mangrove ecosystem offer an exciting, ecologically friendly look into the rich natural history of Cancún. On the other side of the boulevard, crystal-clear waters and perfectly white sandy beaches await to recharge the spirits of all weary travelers.

The JW Marriott Resort and Spa is the place to stay while in Cancún. You'll be met by the most gracious of staff and a high level of service is standard across the property. This impeccably designed resort features multiple pools, an incredible spa, countless delicious restaurants, and a delightful lobby bar featuring over 150 signature margaritas.

Caring for the mind and body should be an essential part of everyone’s travel. A little physical exercise is a necessary element of any vacation for me. Puerto Maya Cancún combines a look into the historical Mayan culture of the Yucatán followed by an amazing speed boat tour of both the lagoon and the sea. And, just when you think it can’t get any better, it’s time to jump in and swim around. Snorkeling on the vibrant coral reefs and visiting MUSA, the Cancun Underwater Museum of Art, absolutely recharges the mind, body, and soul. It is an incredible workout!

If you care to go a little further out of the city, Cenotes Zapote Eco-Tour awaits. Cenotes are natural sinkholes that expose cool, refreshing, groundwater

that is both invigorating and spiritually refreshing at the same time. There are over 6000 cenotes on the Yucatán, each one is unique and otherworldly. Floating or frolicking in the cool waters inside the earth is the ultimate spa experience. There are zip lines or diving platforms at most cenotes and they are well worth experiencing.

While it is nice to explore the “Hotel Zone”,  you don't have to leave the hotel to experience fine international dining at its best!

Sacbé Beach Shack, located in the adjoining Marriott property was beyond belief. Situated directly on the sandy beaches beneath the hotel, the "beach shack" is a whimsically designed bar and dining room offering a perfect oceanside culinary experience. The freshest local ingredients were artfully combined to create a scrumptious offering that highlights regional Mexican cuisines. The mezcal lab experience with famed Master Mezcalier, Chef Benjamín Nava Vargas was an unexpected treat and opened a door to a delicious understanding and appreciation of small-batch mezcals.

Other JW Marriott Resort and Spa culinary treasures include Hana Polynesian Grill’s themed dining room. Perfectly crafty cocktails paired wonderfully with the authentic Polynesian Islands menu. The evening’s festivities were highlighted by a completely themed costumed troupe of singers and dancers performing time-honored Polynesian fire dances. While visiting, be sure to explore Kasai Izakaya, Club 91, and Bravo, a very fresh take on modern Spanish cuisine.

And, when it feels like it’s time to leave the hotel again, check out Chambao Cancún. Just think of it as an interactive curated dinner theatre experience with pop-up music, dance, fashion, and acrobatic activations staged throughout the evening.

Cancún should be at the top of everyone’s travel list in 2024. Trust me, you can thank me later.

JW-Marriott.marriott.com

PuertoMayaCancun.com

CenotesZapote.com

ChambaoRestaurant.com