...we started our journey of creating meaningful, lasting impact with and across the Central Coast.
There is a reason why Rosemary Allison has been voted the
$1 BILLION IN SALES VOLUME
Rosemary Doesn’t Just List Homes, She sells them for the HIGHEST Prices!
Just look at what Rosemary has done since December 2023:
Sellers Brokerage Fee for Marketing Your Home: 2.5% to 3.0%
From listing to closing, we ensure your home gets the attention it deserves, maximizing its value and securing the best possible offer.
FULL MULTI-MEDIA COLOR ADVERTISING in premiere local publications at NO EXTRA COST! Conejo Valley Lifestyle, Homes & Land, Ventura County Star, Westlake Malibu, Los Angeles Malibu Dream Homes, Orange County Dream Homes, San Diego Dream Homes.
AGGRESSIVE INTERNET MARKETING including Wall Street Journal, Robb Report,Realtor.com Listing Toolkit.
EXTENSIVE LOCAL MARKET REACH promoting your home to local in-market home buyers and sellers: Homes.com Showcase, Zillow.com Premiere, Luxury Homes.com, NextDoor Advertising, 805 Magazine, Matterport Photography, Ideal Positions and LoopNet, Geo-Fencing advertising.
CREATIVE DESIGN TEAM to stage your home at NO EXTRA COST! You never get a second chance to make a first impression, so we go out of our way to make an OUTSTANDING first impression of your home. Our stagers are easy to work with and have been staging homes exclusively for Rosemary’s listings. Our staging is designed to inspire and paves the way for your home to be “Staged to Sell”. Rosemary’s design team creates a luxury setting complete with all the furniture and accessories for prospective buyers to visualize your home at its best. One of the reasons Rosemary’s listings sell for more!
ROSEMARY ALLISON IS #1 HOUSESOLD NAME Call for a confidential interview today!
A haven of elegance nestled within a prestigious guard-gated community, providing an unparalleled blend of security, luxury and comfort. This magnificent 4-bedroom, 3-bathroom detached residence spanning over 3.100 square feet, stands prominently on a serene cul-de-sac, offering the ultimate escape with state-of-the-art amenities and breathtaking mountain views. As you enter, you’re greeted by an expansive open-concept living space featuring a family room and kitchen, seamlessly integrated to create the perfect environment for entertaining and daily family life. The recently remodeled kitchen is a cook’s dream, boasting quartz countertops, a large island, custom cabinetry, double ovens, and a premium gas range, complemented by exquisite wood flooring, add a touch of sophistication. The charm of wood plantation shutters and solid wood doors throughout the home exemplifies quality craftsmanship. On the main level, discover a versatile bedroom and bathroom ideal for guests or use as a home office. Ascend to the second floor, where an oversized primary suite awaits, featuring vaulted ceilings, sitting room/office with a cozy fireplace, and a generous walk-in closet. The suite’s luxurious ensuite bathroom offers dual sinks, a soaking tub, a walk-in shower, and ample walk-in closet space, providing a true retreat from the everyday hustle. An upstairs multipurpose bonus room stands ready to adapt—whether as a game room, homeschooling hub, billiards area, or exercise room—ensuring that all lifestyle needs are met. Step outside to the spectacular backyard oasis, where multiple seating areas surround a sparkling pool and spa, set against a backdrop of captivating mountain views that promise serene outdoor living. This delightful outdoor space guarantees memorable evenings of relaxation or entertaining.Reside in a community boasting luxurious recreational facilities, including tennis courts, scenic greenbelts, playgrounds, and meandering walkways. The property’s proximity to top-rated Great Conejo Valley public schools ensures exemplary educational opportunities, making it an ideal family home. Convenient access to the freeway, nearby grocery stores, popular restaurants, and charming coffee shops enhances everyday comfort and connectivity.This home offers an opportunity to live vibrantly in a prime Thousand Oaks location. Schedule a viewing today to explore the limitless potential this exquisite property presents. Contact us now—your dream home awaits at 3426 Fayance!
Welcome to your new home in the heart of Fillmore, where small-town charm meets the modern convenience of a newer home. This beautifully appointed 2-story residence boasts four bedrooms, loft and four bathrooms. Prime corner lot location with three open sides provides stunning mountain views and a covered porch area in front for twilight entertaining providing indoor/outdoor living and dining setting. As you step inside, you’ll be greeted by exquisite flooring that flows through the first floor.The kitchen is a masterpiece, showcasing top-tier stainless steel appliances, Thermal foil cabinetry with soft close, an expansive oversized island with gleaming granite countertops, and great room with an open-concept floor plan further enhances the appeal, creating an entertainer’s paradise, family oriented and so much more! Enjoy the flexibility of dual master suites, with one conveniently located downstairs and the other upstairs featuring a balcony overseeing the scenic mountain range. Each room is equipped with recessed lighting for comfort and hanging light fixtures over the kitchen island for ambiance. Upstairs Indoor laundry room. Outside, the charm continues with solar flood lighting on both sides of the home, enhancing security and ambiance, while the professionally landscaped yard with Automatic sprinklers, Photocell lighting and a small fruit orchard in the backyard ensures easy maintenance and a serene outdoor retreat set up for an enjoyable evening. Meticulously cared for and nestled in a friendly neighborhood with wonderful neighbors, this home offers the perfect blend of comfort, style, and community. We invite you to experience the best that Ventura County living has to offer. Please schedule a showing today and make your dream home a reality!
EXQUISITE ONE STORY ESTATE HOME WITH 5+ CAR GARAGE +POOL+SPA ON LAS POSAS GOLF COURSE WITH PANORAMIC VIEWS OF GOLF COURSE AND OCEAN | 4 Beds + Dedicated Office | 5 baths | Las Posas Golf Course in Camarillo | reduced to $2,699,000
• 4 Bedrooms
Introducing the exquisite ‘’Villa Elegante’’, a custom Tuscan Villa home of distinction located on the 16th Fairway in the highly sought-after Las Posas Estates. This one-of-a-kind 4-bedroom plus dedicated office, 5-bathroom home offers the potential for multi-generational living with its raised single-story design with elevator access to a lower-level wine cellar tasting room at the garage level. Step inside and prepare to be amazed by the gourmet Chef’s kitchen, featuring top-of-the-line Wolf appliances, double ovens, double dishwashers, oversized built-in Kitchen Aid refrigerator, walk in pantry and butler’s pantry. Radiant heated flooring. Entertaining is a breeze with plenty of space and a well-appointed layout. Luxurious master bedroom suite with fireplace, French doors leading to pool area, exercise room, his and her closets and spa-like master bathroom with vanity, separate bathtub and shower with multi shower sprayers. With a floor size of 5,531 sq ft and a lot size of 20,140 sq ft, this property with volume ceilings offers ample space for comfortable living. The huge garage can accommodate up to 5 cars plus a Golf Cart Garage with storage, including a workshop area with finished flooring. The backyard is a true oasis, featuring a beautiful pool/spa with color options and has 4 “sheer descent” waterfalls that create the perfect ambiance for relaxation. Enjoy outdoor dining with the built-in stainless-steel barbecue station, or open the NanaWall patio doors to seamlessly blend the indoors with the outdoors. The breathtaking views, gorgeous sunsets, and a peek of the ocean make every evening a memorable experience. For movie nights, simply click a button to bring down the home theater screen and enjoy a cinematic experience in your home. Situated on the best cul-de-sac street in the neighborhood, this property offers not only luxurious living but also the convenience of being near highways, shopping centers, notable restaurants, and great schools. Take advantage of the proximity to the Country Club and enjoy a round of golf or simply admire the views of the pristine golf course. Don’t miss your chance to own this incredible property in the Las Posas Estates. Contact us today to schedule a private tour and experience the elegance and tranquility of Villa Elegante for yourself. Act now and make this dream home yours!
13045 Ripple Creek Lane | 5 BR 5 BA | Santa Rosa Valley | Reduced to $2,790,000 |
Reminiscent of an estate found in the European countryside, this residence is located in the Lexington Hills gated community where grandiose estates with scenic pastures, rolling vineyards, and exclusive equestrian trails that traverse private orchards are the standard. If you seek the tranquility of privacy and nature, you’ve found your home. The property is generously situated on 5.5 acres with breathtaking views. Imagine the joy of picking fresh fruit and vegetables from your private orchard while taking leisurely strolls along the paths that weave through your property. The elegance of the outdoors awaits with an infinity pool and spa, perfect for a dip under the California sun or hosting unforgettable pool parties. A film-worthy pergola, a flickering firepit, a babbling stream and meditation pond are the perfect backdrop for both introspective solitude and idyllic social gatherings. The home, a Mediterranean villa boasting high ceilings and sprawling interiors, spanning 3,925 sq ft features 5 bedrooms and 4 bathrooms. Every room with breathtaking views that take full advantage of the exquisite beauty that surrounds it. The primary suite is built for romance with a gas fireplace and spa-type bathroom with double vanities, hammered copper sinks a jetted tub, a separate shower, and enclosed water closet and large custom walk-in closet add an element of class, not often seen. Cooking enthusiasts will delight in the nurturing heart of this home, the kitchen featuring a large island with a granite top, built-in chopping block and copper sink, a Thermador 6-burner stove with double ovens plus a warming drawer, microwave oven and a temperature-controlled wine cabinet. The chef’s station opens to a spacious family room with doors leading outside to an alfresco dining area with a covered, built-in bar and BBQ area that overlook the immense grounds. The layout promises you’ll remain connected with your family and nature at the same time. For a more ceremonial experience, serve your meals in the formal dining room or lounge in the living room with its grand gas fireplace and wonderful views of the property. Vehicle aficionados will appreciate the plentiful parking, including a 3-car attached garage plus a long wide private circular driveway, making gatherings a breeze to host. Imagine waking up every morning to panoramic views and stepping directly into your own slice of paradise, where every day feels like a vacation. It’s not just a place to live, but a lifestyle to embrace with beauty, comfort, and unparalleled tranquility with space for horses, stables, tennis or pickleball or anything else that completes your dreams. For the discerning buyer looking for an unrivaled living experience. This property offers sophistication, comfort, and a deep connection with nature, blending majestic indoor living with an extravagant outdoor lifestyle. Ready to make this house your home? Your new life awaits.Co listed with Lillian Wall -Wall Street Properties.
Everyday Investing
As we put together this issue, themed Invest, it really hit home that investing involves so much more than money. Our columnist and beloved community icon Kim Pagano points out that the choices we make each day are investments in the things we value. Spending time with loved ones is investing in relationships, donating to a charity is investing in a cause you believe in and deciding where to shop and eat are investments that support the establish ments you patronize as well as your health and wellbeing.
This issue covers it all—from where, when and how to best invest your money (as advised by Montecito Bank & Trust’s Chief Financial Officer Lloyd Kurtz), to businesses that help us protect and care for the things we hold dear. State Restoration and Cat in a Hammock share tips on how to invest in your home to increase its value and add to your enjoyment of one of your most cherished investments. Of course, our pets top the list of what we love and care about. Gold Coast K9 offers tips for socializing your pup, while California Integrative Veterinary Service provides in-home care for fur babes in need.
Meeting the needs of young adults is the important mission of the folks at Mesa Farm, where their efforts are sure to have a far-reaching and profound impact on their participants’ lives as well as on the community as a whole. As local residents well know, we’re all in it together when it comes to dealing with wildfires—our hearts go out to the hundreds of people affected by the devastation. Our favorite realtor, Rosemary Allison, shares invaluable insight into the fire insurance issues many are facing, including guidelines that may prevent non-renewal of your policy.
And we didn’t forget about the finer things like art and dining! Learn why art is more than just a pretty picture in local artist John Hanley’s piece about investing in art. If you’re not hungry by now, you most certainly will be after reading Publisher Ben Malkin’s mouthwatering review of Marcello Ristorante. This “hidden gem” of an establishment has been investing in the community by feeding its diners the finest real Italian food for more than 3 decades. Try the osso buco; you’ll like, if not love it!
Here's to investing every day in living our best lives!
Spring Into Selling Essential Spring Renovations for Maximum Value
Spring is the busiest season in the housing market. It’s the time of year when buyers are most active – that means it’s when homes sell faster and for top dollar. If you’ve already got a move on your mind, why not list this spring and take advantage of the added buyer demand?
Since spring is just around the corner, now’s the time to start getting your house market-ready. You’ve got just over a month to do the prep work. And while that may sound like a decent amount of time, it’s going to go by quickly. And you won’t want to rush through this important task – especially this year.
The Right Repairs Will Matter More This Spring
Right now, two things are true. There are more homes on the market than there have been in years. And buyers are being extra selective. That combination means you need to invest some time and effort in making strategic repairs. And many homeowners already have a jump on this work.
In the 2025 Outlook for Home Remodeling, Carlos Martin, Director of the Remodeling Futures Program at the Joint Center for Housing Studies of Harvard University, explains:
“. . . homeowners are slowly but surely expanding the pace and scope of projects compared to the last couple years.”
And the most common projects they’re tackling are replacing water heaters, HVAC units, and flooring. Energy efficiency is a key consideration too, based on home improvement data from the Census.
What To Prioritize as You Plan Ahead
But just because that’s what other homeowners are doing, it doesn’t mean that’s what you have to tackle. Think about what you’d want to see if you were a buyer. Focus on quick wins that are easy to knock out with the time you have – but, don’t ignore key repairs, especially ones you think could turn off buyers.
While big-ticket items like replacing an old roof or outdated flooring may seem daunting, they can pay off – especially if you focus on projects with the best return on investment (ROI).
An agent’s expertise is key in narrowing down your list to what’s actually worth it. They know what buyers in your area want and they also have data like this report from Zonda to guide you on which updates have the best ROI (see green in the graph below):
That’s why it’s so important to talk to a local real estate agent before you dive into any repairs. Bankrate puts it best:
“As a seller, it’s smart to be prepared and control whatever factors you’re able to. Things like hiring a great real estate agent and maximizing your home’s online appeal can translate into a smoother sale — and more money in the bank.”
It’s not too early to partner with an agent. By starting now, you’ve still got time to space out the work and find any contractors you need to get the job done. If you wait until spring to roll up your sleeves, you risk running out of time – and that means your house may be overshadowed by others who are more buyer-ready.
Bottom Line
If you’re planning to sell this spring, it’s time to start tackling your to-do list. But, before you get started, let’s connect. That way you can make sure you’re spending your time and budget on projects that’ll pay off in the long run.
Send me a list of what’s on your to-do list, and we can prioritize them together.
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.
You never get a second chance to make a first impression, so Rosemary goes the extra mile to make an OUTSTANDING first impression for her listings. Rosemary’s design team created a luxury setting complete with furniture and accessories for prospective buyers to visualize this home at it's best. Our staging is designed to inspire and paves the way for your home to be “Staged to Sell”.
Rosemary Allison is well known for her hard work and generosity. In 2024 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.
A CREATIVE ASSET FOR FINANCIAL AND CULTURAL GROWTH
ARTICLE AND PHOTOGRAPHY BY JOHN HANLEY
INVESTING IN ART
Traditional assets such as stocks, real estate and commodities often take center stage in investments. However, there is a compelling case for investing in art and creativity—not just as a financial decision but as a means of cultural enrichment and personal fulfillment. Art is a historical reflection of societal evolution and an asset that can appreciate in value over time. In recent years, more investors have turned their attention to the potential returns of the art market, driven by its resilience and increasing global demand.
ART AS A TANGIBLE INVESTMENT
Unlike stocks or digital assets, art is a tangible investment that holds intrinsic value. When purchasing a piece of artwork, an investor is not just acquiring a financial instrument but a unique cultural artifact that carries historical and emotional significance. Throughout history, paintings by renowned artists have seen their values soar over decades, with some pieces fetching millions at auctions. This demonstrates the long-term potential of investing in art, particularly when collectors choose wisely based on artistic merit and market trends.
CREATIVITY AS AN ASSET CLASS
Beyond fine art, investing in creativity itself is a forward-thinking approach. Whether it’s through funding creative industries, supporting emerging artists, or building a collection of design and craftsmanship, creative investments extend beyond traditional art markets. Businesses are increasingly recognizing the value of creative assets, with companies investing in intellectual property, music rights and digital content creation.
THE VALUE OF THE ART
A combination of subjective and objective factors, including cultural and historical significance, influences the value of a piece of art. The five most important aspects that influence the value of art are:
1. Artist Reputation
2. History of Ownership
3. Rarity and Exclusivity
4. Condition and Preservation
5. Market Demand and Trends
MORE THAN MONETARY GAINS
Investing in art and creativity is not solely about financial returns; it is about supporting culture, preserving history and enriching personal and collective experiences. Whether one
“Throughout history, paintings by renowned artists have seen their values soar over decades.”
is purchasing a physical masterpiece, exploring digital art markets or funding creative endeavors, the act of investing in art extends beyond monetary value. It is a testament to the power of human expression and a way to leave a lasting impact on the cultural landscape. For those seeking both aesthetic pleasure and financial growth, art remains a timeless and rewarding asset.
John Hanley is a local artist with an impressive portfolio of sports legends and celebrities. View his work at JohnHanleyArtist.com.
As you know we have been in a drought and have gone through a terrible fire season. Don’t wait until it is too late. Increase fire protection to your most valuable possession...your home. Get ahead of the game!
family time
Create Priceless Memories With Loved Ones
ARTICLE BY TRACY MARCYNZSYN
Spending valuable time with family ranks high on the happiness scale and is surely one of the best investments we can make. Taking part in fun activities together builds relationships and strengthens family bonds, creating memories that last a lifetime. In the beautiful
1. Create Together!
Exploring artistic activities sparks creativity and nurtures a lifelong appreciation of art. The Glass Arts Collective in Westlake Village offers classes and open studio hours for ages 7 and up. All levels are welcome to create unique glass creations, choosing from the studio’s extensive selection of shapes, colors and sizes of materials.
GLASSARTSCOLLECTIVE.COM
In April alone, the Bank of America Performing Arts Center features a wide range of musical tribute bands: Ultimate Elvis Tribute, Abba, Bohemian Rhapsody, Thousand Oaks Philharmonic, The Beatles, The Eagles and more! Attending concerts and theatre performances is a great way for all ages to spend quality time together.
2. Listen to the Music!
Conejo Valley, families can enjoy countless possibilities for learning, exploring and having a great time together.
Exploring the area’s hundreds of acres of open space and hiking trails tops the list of family friendly fun. Take a little loop trail at a local park or gear up for a vigorous climb to the top of Boney Mountain for a rewarding vista view—or opt for something in between—outdoor opportunities abound for all ages and levels. Taking an art class or playing a sport together can be a fun way to bond while pursuing common interests, developing skills and nurturing
our creative side. Local parks and rec departments offer classes for all interests and ages.
For many families, dining out at their favorite restaurants is the first choice for getting together. Luckily, we’re graced with hundreds of options for eating out. Consider going to a new place to stretch the taste buds and discover some new favorites to add to the menu.
While it’s impossible to list them all, these ideas for fun local activities to do with your people will get the good times rolling!
3. Enjoy Nature
With thousands of acres of open space, parks, hiking trails and botanical gardens in the area, spending time outdoors is a must. Easy meandering paths at the Thousand Oaks Botanical Gardens include labels identifying the hundreds of plants, herbs and trees, making it an educational outing as well as an opportunity to exercise.
Going out to eat may be the ultimate family activity. Whether keeping it casual at your favorite pizzeria or dressing up for a fancy dinner, eating together creates special memories and happy tummies. The Stonehaus in Westlake Village offers yummy food for all ages, award-winning wines and beautiful scenery.
4. Dine Out!
What’s Your Passion?
ARTICLE BY TRACY MARCYNZSYN | PHOTOGRAPHY BY CAMERON KNUDSEN
Top & bottom left: Photo Credit: Cameron Knudsen Bottom right: Doug and Darlene Kimbell Photo Credit: Crystal Quayle
“Our team is dedicated to providing the highest quality service and craftsmanship to our clients.”
Updating and maintaining your home adds immeasurable value to one of your most precious investments. Additionally, in light of recent fire insurance reforms, proper upkeep measures may protect your home by ensuring your insurance policy remains intact.
Homeowners are often surprised to learn that failure to replace an old water heater or maintain a roof may trigger automatic non-renewal of their insurance protection. Whether upgrading, redesigning or starting a new project, homeowners can count on State Restoration to ensure their home projects are expertly executed from start to finish.
Helmed by the dynamic husband and wife duo, Doug and Darlene Kimbell, State Restoration recently celebrated 25 years of serving the community.
“Our team is dedicated to providing the highest quality service and craftsmanship to our clients,” says Darlene. “We understand the importance of creating a space that not only meets your needs but also reflects your personal style and taste.”
Specializing in commercial and residential renovations and remodels, interior design services, and kitchen, bath and custom cabinetry, State Restoration’s expert team of more than 20 professionals handles all phases of a project, from design and engineering through construction.
“We provide concierge service that accommodates our clients’ unique needs,” says Darlene. “Our design team will lead the way as we work with you to create a bespoke look for your space. We take the time to understand each client’s wants and needs to create both an aesthetic and functional space.”
KEY ELEMENTS ADD VALUE
State Restoration’s team of creative designers, architects and project managers share their expertise with clients to ensure the highest quality results and 100% customer satisfaction. They offer guidelines for helping homeowners add value to their property by remodeling, updating and maintaining their homes.
• Focusing on well-designed kitchens and bathrooms can make a huge impact on the overall feel of a home. Updated appliances offer energy savings and a streamlined, modern look to increase enjoyment and add value to your home.
• Using quality materials can transform the space in a home or office. State Restoration’s 10,000-squarefoot showroom features extensive options and ideas for cabinets, flooring, counters, tile, hardware, kitchen fixtures and more.
• Working with knowledgeable experts that keep current with the latest industry trends, technologies and best practices ensures projects adhere to industry guidelines and are completed with optimal efficiency, functionality and aesthetics.
• Paying keen attention to detail at every stage, from planning and design to implementation and finishing touches, saves considerable time and money.
“We invest significant time and effort in comprehensive planning,” which also keeps projects on schedule, says Doug.
At State Restoration, ensuring the best value for clients is a priority.
“We understand the significance of competitive pricing without compromising on quality,” says Doug.
RESTORE & REBUILD
When hit with unexpected damage such as the devastation caused by the recent wildfires, homeowners can rest assured that State Restoration specializes in helping them restore their property as quickly as possible.
“We can help clients transform chaos caused by a disaster in their home or business into an updated, beautiful space that is better than ever,” 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.
We understand the significance of competitive pricing without compromising on quality. “ ”
Photo Credit: Cameron Knudsen
Photo Credit: Cameron Knudsen
Socializing Your Dog:
AN INVESTMENT LEADING TO LIFETIME REWARDS
ARTICLE BY BAILEE GATES, GOLD COAST K9
What does it mean to socialize your dog? When we think about the concept of socializing dogs, playtime with other canines and strangers petting the dog comes to mind. While this may be a part of the process, socialization means much more than just playtime with dogs or people; it is exposing your dog to various people, realworld environments, sights, sounds and experiences to create a more confident, stable and well-rounded dog. By socializing your dog in this way, you’ll build a more self-assured and confident dog. Exposing them to different environments will ease anxiety as they develop, mature and experience more challenges. This will build confidence in the dog and desensitize them to things that would otherwise eventually trigger stress and negative associations, which can lead to aggression and reactivity, so it is important to start as soon as possible. Socialization can begin at a very young age and continue into adulthood. Starting young will make it easier for the dog as they develop and mature while having fewer negative associations.
Some examples of how we socialize dogs include taking them to environments with a lot of stimulants (places with loud noises, groups of people and different distractions) while practicing obedience. Doing basic obedience (sit, down, place, heel) will disrupt any distractions while reinforcing focus on the handler and what the handler is working on, rather than the distractions around them, thus making the handler the satisfaction by marking the correct behaviors. This can be done using verbal praise as a reward from the handler or using a high value treat as a reward for the dog.
Training specifically to work on socialization can take place anywhere and at any time. Some examples
would be taking your dog to hardware stores, shops, outdoor restaurants, new parks or simply walking in a new area or neighborhood. Randomizing your training will add many different stimulants that your dog can benefit from having to work through. When the dog is in these environments, have them work through obstacles that they seem to find stressful by doing their obedience around them. For example, a sound from a forklift in the hardware store may make a dog apprehensive; place the dog in a “down position” next to where the sound made them anxious until they are settled and focused on you. Then you may reward the dog.
Throughout training and socialization work, it is also important to remember that the goal of these exercises is to have the dog be accepting of people. It is not necessarily a time to be touched by a stranger. If you want to use verbal praise or treats as a reward, it should only be coming from the handler simultaneously with the command, when the dog’s behavior is correct. We do not recommend strangers petting your dog, as this may actually trigger a negative reactive response toward the stranger, however we do recommend training around people so that the dog becomes comfortable and confident.
Having the dog work through stressful scenarios, rather than just taking them out of the situation, when they are uncomfortable will help them cope better with fear and anxiety while building confidence! The more environmental exposure and obedience your dog experiences in these new environments, the more socially accepting and confident the dog will become!
Learn more at GoldCoastK9.com
“Exposing them to different environments will ease anxiety as they develop, mature and experience more challenges. This will build confidence in the dog.”
INVEST IN YOUR YARD
ARTICLE BY TRACY MARCYNZSYN
4 WAYS TO ENHANCE YOUR OUTDOOR SPACE WITH CAT IN A HAMMOCK
Few investments yield higher returns than home improvements. Considering the countless hours of quality time spent relaxing with loved ones in your beautiful backyard oasis, enhancing a home’s outdoor areas pays priceless dividends for years to come.
Whether you’re visualizing an outdoor kitchen under a beautiful cabana, a fireplace, spa, deck or cozy outdoor living room, landscape construction company Cat in a Hammock makes it easy to create your dream backyard. Working with homeowners to design and build custom outdoor spaces, founders Kristina and Allen Jones handle everything from conception and engineering to pulling permits and construction. Here, they share four ways to invest in the great outdoors.
Request a free design consultation at CatInAHammock.com or call 805.263.4200 for more information.
BUILD A PATIO OR BACKYARD STRUCTURES
CREATE AN OUTDOOR KITCHEN OR BBQ AREA
A built-in grill, counter space and a mini fridge can turn your backyard into an outdoor entertainment hub. A backyard kitchen adds value to the home, especially in California where outdoor cooking is popular. Depending on the size of the project, a typical outdoor kitchen can be ready to enjoy in a few weeks.
A patio, pergola or cabana expands your living space and provides a great area for seating, dining and relaxation. Stone materials used to build pergolas and cabanas are not only fire resistant but also enhance aesthetics and durability. These structures also provide shade and a stylish focal point. A typical patio can be installed in about 3 months, pergolas take about 10 days and cabanas about 6 weeks.
ADD A FIRE PIT OR OUTDOOR FIREPLACE
Nothing creates a cozier gathering spot for family and friends than fire features. Today’s selections include propane and natural gas models to fit any budget. Installing a masonry fire pit can take just a few days and cost around $4,500 in many cases. 01
INSTALL LANDSCAPING & LIGHTING
A well-maintained lawn, flower beds and native plants improve curb appeal. Caring for plants and flowers also serves as a source of enjoyment for many who have discovered their green thumb. Landscape lighting enhances safety and ambiance for nighttime enjoyment, allowing the merriment to continue long after the sun sets.
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MESA INVESTS IN YOUNG ADULTS
Through its innovative transitional tiny-home community and trauma-informed support, Mesa helps young adults (age 18-24) secure employment, pursue education, prioritize health, create healthy relationships and transition into permanent housing. Mesa is situated on 10 acres in the Ojai Valley, the 10 tiny homes wrapping around a main house that hosts staff offices, two additional rooms for participants and shared residential space.
Prior to co-founding Mesa, Dan Parziale spent a decade working with homelessness in LA, noting, “Demand for housing constantly outstripped supply,
emergency shelter was not always the appropriate response to the needs of the people being served and homelessness was getting worse every year.” The annual percentage growth of homelessness in Ventura County is the same as LA (15%–20%), notes Parziale.
Launched in 2020, Mesa is an upstream solution to chronic homelessness that invests in early intervention to address root causes and promote stability before costly, long-term issues arise. This approach improves economic productivity, fosters self-sufficiency and strengthens community wellbeing.
Mesa’s grand opening celebration with supporters and community
Photo Credit: Brian Thornhill
Mesa’s model fills a gap for a growing number of young adults who have limited options for housing and support. By intervening early, Mesa offers a solution that prevents them from becoming entrenched in the homeless system and gives them a solid path to create a fulfilling life.
Mesa hopes community members invested in the health and vitality of Ventura County will join in this impactful model. This is an opportunity to shift the way people think about homelessness, not as an intractable problem, but something we can solve together.
“I do ultimately believe to my core that as good as this will be for the young adults we serve, it will be just as good for our community,” says Parziale.
Learn more at MesaFarm.org.
RISK FACTORS FOR FACING HOMELESSNESS AS A YOUNG ADULT
• Aging out of foster care: 20% experience homelessness the day they age out and 50% experience homelessness within 18 months
• Experiencing housing insecurity as a child: When a child experiences homelessness, their odds of experiencing homelessness as an adult go up 40%
• Serving time in the juvenile justice system: 44% of young adults experiencing homelessness have been in the justice system
• Navigating high living costs of both housing and college: Close to 60% of California’s community college students are housing insecure, with about 20% reporting being homeless.
“We have 300–400 young adults living on the street. That’s a number we can do something about,” Parziale says.
Mesa is on a mission to end youth homelessness in Ventura County.
Co-founders Kyle Thompson and Dan Parziale
Mesa staff in front of the tiny homes
Marcello Ristorante
THE REAL ITALIAN DEAL! IT’S ITALIAN, NOT ITALIAN AMERICAN
ARTICLE BY BEN MALKIN | PHOTOGRAPHY BY JON OSUMI
Nestled in the heart of Thousand Oaks, Marcello Ristorante is a 35-year-old “hidden gem” that offers a remarkable dining experience. Rather than the standard chicken piccata, chicken parm or alfredo this or that, Marcello offers Italian dishes that take you back to your recent trip to Italy. What is even better is that the new owners, the brother team of Edwin and Anthony Khaziran, have brought new energy and vitality to the entire operation and have also started to expand and update the menu.
That’s why you are here, right? Well, me being me, I cannot tolerate cutting corners, and one of the ways local restaurants in the Conejo have cut corners is by serving a version of osso buco using something other than veal shank. At Marcello Ristorante, the osso buco is a perfectly braised veal shank served on a soft bed of saffron risotto. Another favorite is an appetizer that can become an entrée: mussels
and cannellini beans swimming in a delicious sauce. Robin thinks their lasagna is the best in the Conejo Valley. That’s saying a lot because she is a tough critic, and she loves their lasagna. There is also much more to enjoy, such as dishes with raisins and nuts that originate from all over Italy.
The service is energetic, and they are happy to see you. The servers have taken great care of us on every visit. The staff is attentive and knowledgeable, always ready to provide recommendations and ensure that your dining experience is excellent. The wait staff’s enthusiasm and genuine passion for the cuisine are evident in their interactions with guests.
Marcello Ristorante is more than just a restaurant; it is a return to an excellent dining choice that perhaps you may have forgotten about. Edwin is there every night. You cannot miss his passion for this new/ old experience in dining, whether you’re celebrating a special occasion or simply looking to indulge in an extraordinary meal.
Visit Marcello Ristorante at 140 W Hillcrest Drive in Thousand Oaks. Make a reservation at 805.371.4367 or marcelloristorante@gmail.com.
The Bank of Life
Everyday Investments Yield the Highest Returns
When most people think of the word investment, they think of money. While it’s true that in order to live the life you desire, it’s important to make wise investments, save and receive returns on your choices, today I’m talking about the bank of life.
To me, investment refers to the life-changing choices that can improve your total life experience. People make investments everyday when making choices like where to live, how to conduct their life, and the kindness they show.
Ask yourself:
• How do you show up in life?
• Are you invested in living your best life, and do people admire the way you run your life?
• How do you love yourself?
• Have you found your tribe?
• Do you love your calendar?
• How do you maintain your body, health and mind?
• Do you use your time wisely?
• Do you invest in your family, kids and grandkids?
• What was your parents’ legacy? How about yours? Did you do what you wanted to do, or did you follow what your parents thought you should do?
• Are you investing in your friendships?
• Does your word count?
• Do your friends and family trust you and cherish your word?
ARTICLE BY KIM PAGANO
In the bank of life, these are truly your investments. Remember the way you run your life is the way you run your business. When no one is looking, are you still doing the right thing? This is your investment in integrity.
There are many roads to success, and they all include truly knowing and investing in yourself and never giving up on your dreams. Which chapter are you in?
Tune into the brighter side of life and business with Kim Pagano Saturday mornings to start your day in a positive way. Download Kim’s podcast, The Kim Pagano Show. Sign up for Kim’s next business mixer at breakthroughtoyournext.com/0225-opt-in
The Holistic Approach to Wellness
THOUSAND
OAKS Duben Holistic Chiropractic Center has served the area for 20 years helping over 5000 people find
CONEJO
HEARING CENTER
SPECIALIZES
IN INTERVENTION AND TREATMENT
ARTICLE BY ROYA RAZIN, AUD
Understanding Tinnitus
Tinnitus is a condition that affects millions of people worldwide, yet it still remains largely misunderstood. Characterized by the perception of ringing, buzzing or other sounds in the ears or head, tinnitus can be more than just a nuisance; it can have a significant impact on one’s quality of life. Whether you’re dealing with it yourself or know someone who is, understanding tinnitus is the first step toward managing it effectively.
Quite simply stated, tinnitus is the sensation of hearing sounds that aren’t actually present. While most commonly described as a ringing in the ears, tinnitus can manifest as buzzing, hissing, whistling or even the sound of rushing water. It may affect one or both ears and can be intermittent or continuous. The intensity of the sound varies from person to person and can range from mildly bothersome to intensely distracting. Tinnitus comes in many “shapes and sizes,” so to speak.
Tinnitus is not a disease in itself but a symptom of an underlying condition. Some of the most common causes include noise-induced hearing loss, ear infections and/or ear wax buildup, age-related hearing loss, medical conditions, medications and stress/anxiety.
DIAGNOSING TINNITUS
You may be wondering how tinnitus is diagnosed. The best thing to do if you experience symptoms of tinnitus is to seek medical advice. A doctor, typically an audiologist, will conduct a thorough examination. This may include a hearing test, a review of your medical history and possibly imaging tests to rule out underlying conditions. Because tinnitus often has no visible physical symptoms, diagnosis is largely based on the patient’s description and any
associated factors. If tinnitus persists for more than a few days, is accompanied by hearing loss or causes significant discomfort, it’s important to consult a healthcare provider. In rare cases, tinnitus can be a sign of a more serious condition, such as a tumor or circulatory issue and early intervention can prevent complications.
TREATMENT
Managing tinnitus can be challenging, as there is no cure, but various strategies can help alleviate its impact. Sound therapy is one common approach, where soothing sounds such as white noise or nature sounds are used to mask the ringing. This can be achieved through special devices, smartphone apps or sound machines. Cognitive Behavioral Therapy is another effective option, helping individuals manage the emotional response to tinnitus by changing negative thoughts and behaviors, reducing stress and improving quality of life. For those with hearing loss, hearing aids may prove incredibly beneficial, as they treat the hearing loss, making the tinnitus less noticeable. Some hearing aids even have built-in sound therapy features. While no medication (pharmaceutical nor nutraceutical) has been shown by research to treat tinnitus, certain drugs like antidepressants or anti-anxiety medications can help manage the emotional effects and reduce distress. In addition to these treatments, lifestyle changes such as reducing stress, avoiding loud noises, managing blood pressure and maintaining a healthy lifestyle can help alleviate symptoms. Mindfulness practices, including meditation and yoga, may also help calm the mind and lessen the intensity of tinnitus.
For those living with tinnitus, it’s essential to stay proactive in managing the condition. While it may not always be possible to eliminate the tinnitus completely, many people find that with the right approach, they can reduce its impact and continue to lead a fulfilling life. If you or someone you know is dealing with tinnitus, consider reaching out to a healthcare professional for guidance. With the right tools and support, it’s possible to minimize the effects and gain relief. While tinnitus can feel isolating, it’s important to realize that you are not alone, and there are ways to manage it. With numerous treatments, from sound therapy to mindfulness practices, reducing the impact of tinnitus can bring great relief. Advances in research and technology are also offering hope every day, making it a great time to explore options that work for you. With patience and the right support, you can find balance and regain control of your life.
Dr. Roya Razin, AUD, is an audiologist at Conejo Hearing Center, specializing in the intervention and treatment of tinnitus, as well as aural rehabilitation and the use of advanced hearing technologies. Visit Conejo Hearing Center at 699 Hampshire Road, Suite 215, in Westlake Village. Call 818.991.3800 or visit ConejoHearingCenter.com for more.
CALIFORNIA INTEGRATIVE Veterinary Services
PROVIDING A HEALING TOUCH FOR PETS AT HOME
ARTICLE BY BARBARA BURKE | PHOTOGRAPHY BY CARISSA HOFFMAN
“Dr. Carissa has been a blessing—I don’t know what we would have done without her!” shares Kristin Young, owner of Louie, a 6-year-old French bulldog treated by Dr. Carissa Hoffman of California Integrative Veterinary Services in the Young’s home post-surgery.
“Louie absolutely loves Dr. Carissa! She does a complete evaluation every time she visits him to assess exactly how he is functioning,” says Kristin, adding, “She brings all of her rehabilitation equipment to our home and thoroughly monitors him throughout her visit. She even helped us to design a space in our home where he feels safe as he heals.”
Louie really looks forward to working with Dr. Carissa, notes Kristin. “He always falls asleep when she finishes a session with her with acupuncture, and we are so thankful that he is improving. He’s even able to walk on our street a bit and his sweet spirit and fun personality are back.”
Dr. Carissa and husband, Dr. Nicholas Hoffman, met in veterinary school where they shared a dream of offering their community a mobile veterinary service.
“I started my integrative medicine practice in 2022, and it is a blend of Western and Eastern medical concepts with the goal of treating patients’ health conditions in a multimodal manner,” Dr. Carissa explains. “A patient may have a
treatment plan that utilizes common Eastern medical techniques, such as acupuncture and herbal therapy, as well as Western recommendations, such as prescription pain medication, rehabilitation, physical therapy and even referral for surgery.”
Kristin is one of many local pet parents that appreciate Dr. Carissa’s holistic way of treating their fur babies, stating that the in-home care is invaluable and provides the family with peace of mind.
“We serve clients in Moorpark and within a 30-mile radius,” notes Dr. Carissa. “We have clients from Somis, Simi Valley, Newbury Park, Westlake, Thousand Oaks and even in Malibu. We also provide service in Northridge and Tarzana.”
Dr. Carissa focuses on treating pets who are experiencing chronic pain, arthritis and other ailments. She also provides rehabilitation therapy after an animal is treated surgically or has been injured.
“In addition to offering acupuncture, laser acupuncture and providing clients with a home exercise program, we offer laser therapy and pulsed electromagnetic field therapy (PEMF), which directs small amounts of energy toward a particular part of an animal’s body,” Dr. Carissa explains. “PEMF creates an electromagnetic field with pulses and promotes better blood flow; in some instances, it
also helps to reduce inflammation. PEMF focuses on the mitochondria in cells and helps to activate and thereby repair cells.”
During her consultations, Dr. Carissa also determines whether an animal will benefit from using mobility devices, which can include specialized harnesses, carts, neurological training devices, braces and specialized slings. She has her Walkin’ Wheels certification and she can properly measure and fit a pet who needs a mobility device.
“Herbals and supplements are not replacements for prescription medication—they are meant to work in conjunction with them.”
“Supplements and herbs are also very helpful for joint, muscle and overall health. I recommend herbal supplements to help with many conditions that are also being treated with prescribed medications,” says Dr. Carissa, noting that “Herbals and supplements are not replacements for prescription medication—they are meant to work in conjunction with them.”
Some pet insurance covers the Eastern medicine modalities that Dr. Carissa uses, which greatly helps owners wanting their pet to benefit from both Eastern and Western modalities. Dr. Carissa is a California licensed veterinarian (DVM), veterinary acupuncturist (CVA) and certified canine rehabilitation therapist (CCRT). She is accepting new patients.
n Integrative Veterinary Examination: Full East/West, orthopedic and neurological exam to determine a customized treatment.
n Veterinary Rehabilitation Exercises: a wide range of exercises customized to improve comfort, mobility, flexibility, strength, and nerve function.
n Home Exercise Program: customized exercises for you to do with your pet at home.
n Laser Therapy: for decreased inflammation, faster wound healing to improve comfort and the ability to heal.
n Pulsed Electro-Magnetic Field (PEMF) Therapy: reduces inflammation, and improves circulation to help heal injuries and reduce pain.
n Acupuncture: customized treatment utilizing various methods.
n Supplements and Herbals: individualized recommendations.
n Mobility Device Consultation: we can recommend specific specialized devices to make life easier for your pet.
n Pain Medication Consultation: making sure your pet has appropriate pain control for their condition.
Economic Outlook Forecast event panelists
ARTICLE BY ROSEMARY ALLISON | PHOTOGRAPHY BY RICHARD FOLSOM
The Impact of Wildfires on Real Estate & Insurance
WILDFIRES HAVE LONG BEEN A NATURAL CHALLENGE FOR SOUTHERN CALIFORNIA, AS VENTURA AND LOS ANGELES COUNTY RESIDENTS ARE WELL AWARE.
Known for luxurious properties and breathtaking views, our area ridges and barrancas have faced significant wildfire risks, particularly in recent years. For buyers and sellers, understanding how wildfires impact real estate is crucial for making informed decisions.
As frequent wildfires have heightened awareness about fire risks, buyers are now more cautious about investing in potentially vulnerable properties. Key considerations include:
• Location and Vegetation: Properties near dry brush, canyons or dense vegetation are perceived as higher risk. Buyers may look for homes with cleared perimeters and minimal flammable landscaping.
• Fire Zones: Some areas are officially designated as “high fire hazard severity zones,” which influences insurance costs and buyer confidence.
• Defensible Space: Buyers increasingly prioritize properties with defensible space—a buffer zone that reduces fire spread by eliminating flammable materials around the home.
One of the most significant ways wildfires impact properties is through insurance. Coverage has become both more expensive and harder to secure.
• Rising Premiums: Home insurance costs have risen sharply for properties in
wildfire-prone areas, with some premiums doubling or tripling in recent years.
• Policy Restrictions: Many insurers have limited their coverage options, and some have pulled out of high-risk zones altogether, leaving homeowners to seek coverage from specialty insurers.
• New Requirements: To qualify for coverage, buyers may need to invest in additional fireproofing measures, such as installing fire-resistant siding, heat-resistant windows or sprinkler systems.
This issue was recently addressed at the Thousand Oaks Rotary Club’s 33rd annual Economic Outlook Forecast event at California Lutheran University. A panel of industry experts provided insights on how the insurance environment affects the public and private sector, homeowners, businesses, and insurance companies and agencies.
CHANGES IN PROPERTY VALUES
Wildfires can have mixed effects on property values, creating challenges for buyers and sellers alike:
• Short-Term Decline: Properties directly impacted by wildfires or located in nearby areas often experience a temporary dip in value due to safety concerns, visible damage or reduced buyer demand.
• Long-Term Resilience: Despite temporary setbacks, our area’s desirability and limited inventory often lead to a recovery in property values. The market tends to stabilize as rebuilding efforts improve infrastructure and safety measures.
• Luxury Market Dynamics: High-end properties with advanced fire-resistant features or located in areas with robust community fire prevention efforts tend to retain their value and attract discerning buyers.
INCREASED DEMAND FOR FIRE-RESISTANT FEATURES
As wildfire risks grow, so does the demand for homes designed to withstand these natural disasters. Key features attracting buyers include
• Fireproof Materials: Properties constructed with materials like fire-resistant roofs, concrete walls and treated wood are increasingly appealing to buyers.
• Advanced Fire-Suppression Systems: Automatic sprinkler systems, fireproof vents and water storage tanks for emergency use are becoming must-haves in wildfire-prone areas.
• Community Fire Safety: Properties located in communities with enforced fire safety standards—such as controlled vegetation, fire hydrants and emergency access routes—are in higher demand.
• Enhanced Preparedness: Properties with backup electrical systems (solar with battery back-up or generators) for the numerous power outages are desired.
FUTURE LAND MANAGEMENT
As local and state governments address wildfire risks, their actions will affect Ventura County’s real estate market. Essential improvements include
• Stricter Building Codes: New construction must adhere to fire-safe building standards, including the use of non-combustible materials and ensuring proper spacing between structures.
• Evacuation Routes and Infrastructure: Improved planning for evacuation routes and upgrades to infrastructure can provide reassurance to potential buyers.
• Community Education and Programs: Initiatives such as the “Firewise USA” program encourage homeowners to maintain defensible space, reduce flammable materials and participate in neighborhood-wide safety efforts.
Homeowners are encouraged to contact the Ventura County Fire Department to schedule a free wildfire evaluation. Making preparations before your insurance company requires the repairs and foliage removal is key.
ENSURING INSURANCE COVERAGE
In response to Governor Gavin Newson’s September 2023 order to develop a regulatory plan to stabilize the insurance market, Insurance Commissioner Ricardo Lara announced the “Sustainable Insurance Strategy.” These reforms allow insurance companies to incorporate the cost of reinsurance into rates, as well as the ability to use “forward-looking estimations” of risk for catastrophic models. These reforms will result in additional insurers willing to insure properties in California, although they will be at higher premiums.
Homeowners should be aware of these guidelines shared by one insurer about steps they can take to prevent their insurance company from issuing a non-renewal of their policy:
• Maintain the Roof: Remove debris, algae or moss. The maximum allowable age of a roof is 25 years (30-35 years for tile or metal roofs).
• Manage Brush: Trim tree limbs hanging over the roof; provide a 5-foot clearance. Ensure a clearance of at least 100 feet from the home for all unmanaged vegetation.
• Increase Fire-Resistance: Install ember-resistant venting. Enclose eaves with non-combustible materials. Replace wood decking and siding.
• Update Infrastructure: Ensure heating and electrical systems (the service panel/breaker box) are not more than 25 years old. Replace knob and tube wiring (there can be none). Plumbing (pipes, lines, fittings, connectors, valves, drains and hoses in visible areas) must have been updated in the past 25 years (15 years for the water heater).
• Decrease Claims: Don’t file ANY water damage claims or more than one claim (regardless of the amount or type) in a 5-year period.
3 LEVELS OF FIRE INSURANCE
Level 1: Preferred/Admitted Insurers: They offer the best policies in terms of coverage, limits and premium. They have the strictest guidelines to qualify for a new policy and are primarily non-renewing policies in high fire hazard areas. Companies include Allstate, AMICA, Chubb, Cincinnati, CSAA, Encompass, Farmers, GEICO, Liberty Mutual, Mercury, Nationwide, Progressive, Pure, Safeco, State Farm, Travelers, Safeco and USAA.
Level 2: Non-Preferred/Non-Admitted Insurers: They offer policies that provide less coverage, fewer endorsement options, lower limits and higher premiums. Often considered the “secondary market,” they are not approved or backed by the state and may not comply with local insurance laws and regulations. If the homeowner files a claim and it can’t be paid due to insolvency, the claim will not be paid. They include American Modern, American Western Home, AZGUARD, Evanston, Great Lakes SE, Kinsale, KW Specialty, Lloyd’s of London, MSI/Spinnaker, Private Client Select, Scottsdale and Vault E&S.
Level 3: California FAIR Plan: Deemed the last resort for homeowners who have been declined by other insurers and are unable to purchase a policy, the plan insures high-risk properties, primarily covering fire, smoke, lightning and internal explosion. Unfortunately, the Palisades and Eaton fires could bankrupt the plan.
Rosemary Allison is a widely respected real estate expert and elected councilwoman on the Santa Rosa Valley MAC. Her fellow Economic Outlook Forecast event panelists are Dr. Mathew Fienup, executive director of the Center or Economic Research and Forecasting (CERF) at California Lutheran University; Bill Matlock, district manager for Farmers Insurance; and Elizabeth Melvin-Atilano, executive director for the Ventura County Schools Self-Funding Authority.
Photo Credit: Isabel Lawrence Photography
INVESTING 101: MAKE YOUR MONEY WORK FOR YOU
When it comes to investing, “Know yourself! There are usually several paths to good results,” says Montecito Bank & Trust’s Chief Investment Officer Lloyd Kurtz. “Consider your goals, and the different approaches available to you. The best choice is the one that you believe in and can stay with for the long run.”
Here, he offers some golden nuggets for those interested in investing smartly.
WHAT’S IMPORTANT FOR PEOPLE TO KNOW ABOUT INVESTING?
Investing always involves risk. When we put money to work in markets, we have the opportunity to earn good returns. But there are no guarantees, particularly over short time horizons. It’s a good idea to work with an advisor who can help you identify your goals and implement an investment program that works for your specific situation.
WHY INVEST?
Diversified investment portfolios have historically provided good rewards to patient investors. Lower risk vehicles like money market funds have been more stable, but returns over time have been lower, typically about matching the inflation rate.
WHO SHOULD INVEST?
Anyone who wants to follow a plan to build wealth over time. Time is a vital ingredient: in our experience, patient, diversified investors usually do well. But if your financial goals are mainly focused on the short term (say, 1-2 years) it’s better to keep money in safe and liquid vehicles like money markets or CDs.
If you hope to make a lot of money in a short time, it’s important to recognize that this is usually much harder than it looks. Warren Buffett’s teacher, Benjamin Graham, warned that “speculation is most dangerous when it looks easiest,” and this advice fits with our experience.
WHEN SHOULD PEOPLE INVEST?
The sooner you start, the better. Saving and investing early in your career can make a surprising difference in your wealth at retirement. If you have children, it’s never too early to start setting aside funds for future college expenses.
WHAT ARE THE BEST WAYS TO OPTIMIZE TAX SAVINGS?
Many investors can benefit from the use of taxadvantaged vehicles, such as 401(k) plans, IRA accounts, or 529 educational savings plans for college expenses. For most people, these offer significant advantages over funds kept in a regular taxable account.
Roth IRAs or Roth 401ks often are a good vehicle for younger investors in lower tax brackets. Roth accounts are funded with “after tax” money, but they accumulate tax free under current rules.
WHAT ARE THE TOP 5 INVESTMENTS FOR 2025 AND BEYOND?
One hard lesson in the post-Financial Crisis era is that it is very difficult to pick winners. A large majority of U.S. stock-picking funds lagged relative to indexes over the past 15 years, partly because of high fees, but also because they set themselves a particularly difficult task. Most investors should consider at least some allocation to index funds, which generally have lower fees and offer good exposure to broad asset classes like stocks and bonds.
Montecito Bank & Trust’s Chief Investment Officer Lloyd Kurtz has over 30 years of experience in investment management, with experience as a research analyst, portfolio manager and team leader. He is a nationally recognized expert in responsible and sustainable investing, and helped develop the Domini Social Index, the first broad-based responsible investment benchmark in the U.S. He is a Contributing Editor for the Journal of Impact and ESG Investing. Lloyd is passionate about investing, client communication and service.
LLOYD KURTZ
Encino 15503 Ventura Blvd., Suite 200 Encino, CA 91436
