Your fund has already given you all the tax advantages it can and now is ready to be spent. Education, environment, housing, kids, health care, economic opportunity— your cause is waiting.
How to find the right cause? Well, you probably got advice to earn that money, now get some to give it away. That’s the ADVISED part of Donor Advised Funds— and it happens to be exactly what we do.
So bring that fund to us and let’s get crackin’. Your community needs you.
April is the re-awakening of plants, animals, and Minnesotans. It’s a time of rejuvenation and investing in the momentum of positivity.
Investment by definition, is the act of devoting time, effort, energy or finances to a particular undertaking with the expectation of a worthwhile result. We can invest in a lot of things such as our community, our relationships, our finances, and our health with the hope that the effort will have a positive impact. We can invest in our community by supporting our local businesses, schools, and local organizations. We can serve the community through volunteerism and investment in future generations. On a larger scale, we can participate in public surveys and stay educated and involved with the future of our city. Investing financially can help meet long-term financial goals whether it be for retirement or a level of security. On a personal level, we can invest in our families and friends, and enrich relationships by giving time and effort to the people that mean the most to us.
For our investment issue, Ben Buening of RGW Wealth shares some insight on taxes and investments, and how you can help to ensure that your money is working for you.
Senior Designer, Lyndsay Bussler at FBC Remodel touches upon how you can invest in a space you already call home while transforming it into something ideal.
If the investment in a roofing project is on the list, we wanted to introduce you to Kaufman Roofing and their family legacy here in the Twin Cities that started in 1930. There isn’t a home roofing challenge they haven’t seen, and they also have strong financial options to help you along the way.
We’ve also included some ideas for investing in family time (which I might argue is the most important investment) as well as some great books that might be worth the read.
While investing in ourselves, relationships, the community, and finances can look very different from person to person, the effort we put into these areas of our lives is done with the common goal of having a positive impact that yields results.
And if the world seems a little bit rocky at times, it never hurts to invest in hope!
ALEXANDRA PATTY,
PUBLISHER
Alexandra Patty | alexandra.patty@citylifestyle.com
EDITOR
Sarah Knieff | sarah.knieff@citylifestyle.com
PUBLICATION DIRECTOR
Susan Shannon | susan.shannon@citylifestyle.com
MARKET SUPPORT COORDINATOR
Kassi Miranowski | kassi.miranowski@citylifestyle.com
CONTRIBUTING WRITERS
Kristy Belley, Benjamin Beuning, Sarah Knieff, Amy Salvagno
CONTRIBUTING PHOTOGRAPHERS
Kaufman Roofing, Spacecrafting, Andrew Vick
CEO Steven Schowengerdt
COO Matthew Perry
CRO Jamie Pentz
CTO Ajay Krishnan
VP OF OPERATIONS Janeane Thompson
VP OF SALES Andrew Leaders
AD DESIGNER Rachel Kolich
LAYOUT DESIGNER Kelsi Southard
QUALITY CONTROL SPECIALIST Hannah Leimkuhler
In January 2025, Grant Whittaker Creative and partners spearheaded the first immersive experience to celebrate the vibrancy of downtown Minneapolis, its people and the arts.
Want to be seen in the magazine?
Winifred Design was founded by a local mother-daughter duo with a shared passion for luxury designer brands and fashion. They set out to create beautiful jewelry that the everyday woman could wear, transforming their love for high-end pieces into something accessible. Inspired by the idea of repurposing unsalvageable or unused designer items, they craft fresh, unique pieces from authentic designer buttons and charms sourced from around the world. Shop their pieces today on Instagram, @winifreddesign.
Catch five scientific movies at Omnifest, the Science Museum of Minnesota’s annual giant screen film festival running now through April 13. The festival showcases "out-of-thisworld" films running in a daily rotation on the Omnitheater’s 90-foot domed screen. "This year’s films include a selection of fan favorites and new features, spanning topics of climate change, social science, space exploration, international culture, and much more," according to the museum. new.smm.org/omnitheater
From March 23 to April 6, Galleria Edina guests can "escape to paradise" at the sixth annual free floral experience with gardens by Bachman's. According to the Galleria, "This year’s show promises to bring the essence of the tropics to life. Expect vibrant colors, bold animal prints, a giant giraffe alongside other whimsical sculptures, plus exotic blooms and fashion for guests to discover amidst a lush world of wild beauty." Learn more at galleriaedina.com
We always say the one photo that I take over the course of my career that has the most longevity on someone’s wall is the High School senior photo. To this day, my mom will rotate out photos of my kids but the one constant is my senior photo from Edina High School. Come see us next to Bunny’s this summer!
Kaufman Roofing, a family-owned business with a rich heritage, has been a trusted name in the roofing industry since its establishment in 1930 by Christine Deutsch’s great-grandfather. Over the decades, the company has evolved, maintaining its dedication to high-quality craftsmanship and unparalleled customer service.
Today, Christine, the CEO, leads the firm alongside her brother, Tom Kaufman, the COO. This family dynamic continues as their children represent the fifth generation to contribute to the company’s legacy, reinforcing a commitment to excellence that spans nearly a century.
As the industry navigates changes in insurance policies, Kaufman Roofing stands at the forefront of educating homeowners about the implications these alterations may have on their roofing needs.
“Gone are the days when storm damage would trigger a full roof replacement,” Christine says. "Not only are insurance companies tightening their requirements, but we’re also seeing a shift from full replacement policies to Actual Cash Value replacements."
Tony Deutsch, Kaufman’s CTO and Christine’s husband, emphasizes the importance for homeowners to thoroughly review their policies, stating, “These updates
might not affect every homeowner’s insurance policy, but it’s something people need to be aware of.” He draws a parallel to car insurance, explaining that just as insurers won’t pay for replacing an older vehicle with a new one, they are beginning to apply similar logic to roofing claims, prompting many to turn to Kaufman Roofing for advice and assistance.
With increasing inquiries for complete roof replacements due to said changes, Kaufman has positioned itself as a reliable partner. The company's dedication to quality craftsmanship is underscored by its esteemed certifications, including GAF Master Elite President's Club and Owens Corning Platinum Preferred. These accolades not only highlight the company’s long-standing reputation but also offer customers peace of mind through superior workmanship warranties and manufacturer backing.
Kaufman’s commitment to quality extends beyond certifications. The company also understands that each home presents unique challenges, and they offer custom solutions through their in-house metal fabrication shop. This capability allows them to create tailored roofing components, addressing specific needs such as diverse roof pitches and complex angles without relying on external manufacturers. This not only ensures a quicker turnaround time but also helps in reducing costs by cutting out the middleman.
Another quality that sets Kaufman Roofing apart is their approach to customer service. Rather than employing aggressive sales tactics, the company focuses on building trust. They emphasize integrity by educating homeowners about their roofing needs, often advising clients that they can postpone replacement or that their roofs are still in good condition. Kaufman believes in honest assessments, knowing that a satisfied customer is their best advertisement.
Furthermore, understanding the financial burden that roof replacements can impose, Kaufman Roofing has partnered with Synchrony to offer multiple financing options, including their Plan 924, which includes no monthly interest if paid in full within 18 months. This strategic move ensures that homeowners can manage the costs of necessary roofing work without added stress.
As Kaufman Roofing moves into the future, Christine and her team remain dedicated to its mission of providing reliable, trustworthy roofing solutions, ensuring that families can enjoy safety and protection under roofs crafted by a legacy of expertise. 14330 Ewing Ave. S, Burnsville | 612-722-0965 kaufmanroofing.com
In a climate of uncertainty, we help make the possible, possible
Whether it’s the price of eggs, gas, or the cost of doing business, predicting the future of inflation, interest rates, or supply chains is anything but a sure thing. A good banking partner, however, can still help bring the possibility for growth, expansion, or whatever goals your business might have, to life.
What can we make possible for your business?
EDINA • 952-285-5800
MINNEAPOLIS • 612-746-5050
MEMBER FDIC EQUAL HOUSING LENDER
MAKE SURE YOUR PLANS ARE ON TRACK WITH RGW WEALTH MANAGEMENT
ARTICLE BY BENJAMIN BEUNING, CFP, CIMA, CRPC, AWMA
PHOTOGRAPHY BY ANDREW VICK
With the spring season upon us and the often dreaded “Tax Season” behind us, now is a great time for some financial spring cleaning - making sure your plans are on track, investments are allocated appropriately and doing what they are supposed to, and ensuring your financial goals are up-to-date.
Now is the time to consider an Annual Tax Return Analysis and is a great time to check-in on your Investments to make sure your financial house does not run astray.
As the adage goes - only taxes and death are certain in life. We like to take this one step further by helping clients realize that only one of the two are relatively in our control - Taxes! Taxes can often be a family’s largest expense, which is why it is critical to work with a TaxSmart Financial Planning Firm to review your (hopefully recently) filed prior-year tax return. Doing so may help uncover current opportunities that you are missing out on and to identify future planning considerations that can help alleviate and reduce your overall lifetime tax burden. While your prior year tax preparation is fresh, analyzing your prior year tax return with a tax-smart firm can help you answer the following questions:
• Am I paying the “just right” amount of taxes - no more and no less than I should be? Did I overpay in taxes this past year? Does my current plan have me overpaying in taxes in the coming decades?
• Am I currently implementing the proactive and legal tax reduction strategies available to me? If not, why didn’t my current financial planner or tax accountant help me pursue these?
• Do I currently have financial and tax planning blind spots? If so, what is the best roadmap to address these?
• Am I optimally contributing my Pre-Retirement contributions to the current accounts based on my tax situation, including Pre-tax, Roth, Taxable, and other? If not, what changes should be made?
• What investment accounts should I be withdrawing from and in what amounts to ensure my money goes towards paying for my lifestyle instead of taxes?
We strongly believe that every financial decision, at its core, is also a tax decision and that taxes should be treated as more than a once-a-year event. If not properly planned for, taxes can unnecessarily erode the net result of all your hard work and what you ultimately take home.
Taking a proactive approach to your tax situation not over just one year, but over your lifetime, and by taking full advantage of opportunities to legally reduce your lifetime tax burden, you are able to maximize your after-tax wealth. This ultimately improves the chances of meeting your cherished financial goals and is what you are able to share and enjoy with yourself and your family.
Without a customized plan aimed at reducing your annual tax bill, the average investor sacrifices unnecessary returns. An investment plan that is not only aligned with your risk preferences, but which also accounts for your personal financial planning requirements and tax situation will help you protect and build what you have worked so hard for.
Taxes can often be a family’s largest expense, which is why it is critical to work with a Tax-Smart Financial Planning Firm to review your filed prior-year tax return.
Taking a proactive approach to your tax situation not over just one year, but over your lifetime, and by taking full advantage of opportunities to legally reduce your lifetime tax burden, you are able to maximize your after-tax wealth.
An investing approach should focus on strategies sensitive to your appetite for risk, account for what investment returns are required to help fulfill your goals, and eventually provide a tax-efficient distribution plan to provide for your lifestyle in retirement. When reviewing your current portfolio and investment plan, there are a few questions you should consider for yourself:
• Do I first have a detailed financial plan to help serve as my investment planning cornerstone? Do I understand my objectives, personal risk tolerance, and time horizon for what I am investing for?
• Am I properly diversified and have an asset allocation which will help maximize my probability of success and decrease my overall investment and plan risk, all while being cognizant of tax implications?
• Am I controlling the controllable? Are the underlying fees of my investments being considered? Are my investment accounts being managed to minimize tax implications and maximize after-tax returns? Is the risk of my portfolio being managed to help reduce volatility and provide for longterm growth?
• Is my current financial planner proactively Tax-Loss Harvesting in my taxable investment account(s) to help offset current and future capital gains? If not, should I be?
• Am I receiving unanticipated tax bills from the government due to mutual funds distributing unexpected capital gains? Are there tax-smart strategies which can help avoid this in the future?
• Is my current financial planner proactively contacting me when markets are volatile to review Roth Conversion opportunities? If not, is this something I should consider? By reviewing these questions, you can ensure your money is working for you and helping you to reach your goals over the long-term.
To help you get started, please visit go. riskalyze.com/start-rq to help develop your own Risk Number. Your Risk Number is unique to you and can help determine if your current investments are in alignment with your own personal risk preferences.
RGWwealth.com 9800 Shelard Pkwy, Suite 330, Plymouth | 763-417-0809
Securities offered through Avantax Investment Servicessm, Member FINRA, SIPC, Investment advisory services offered through Avantax Advisory Servicessm. Insurance services offered through an Avantax affiliated insurance agency.
Insights from Expert Designer Lyndsay Bussler of FBC Remodel
ARTICLE BY SARAH KNIEFF
PHOTOGRAPHY BY SPACECRAFTING
When it comes to creating the perfect living space, sometimes the best option isn’t moving to a new house but rather transforming the one that’s already loved. At FBC Remodel, their team understands that location is key, and Senior Designer Lyndsay Bussler emphasizes this point: “Many clients cherish the neighborhoods they’ve become part of, with schools, parks, coffee shops, and a sense of community that they simply cannot replicate elsewhere.” By remodeling, homeowners can continue to enjoy their established roots while addressing their evolving needs.
One of the significant advantages of remodeling is the ability to customize the home to perfectly fit individual lifestyles. As families grow or change, the demands on living spaces shift. Common remodeling goals for clients often include addressing a lack of space or storage, creating a dedicated mudroom, or developing an open concept that enhances entertaining. FBC Remodel offers both expertise and creative solutions to tackle these challenges, focusing not only on aesthetics but also on form and function. This ensures that every renovation enhances how one lives in and experiences their home.
Additionally, remodeling can often represent a more financially sound decision compared to moving. Although the initial costs of remodeling may seem intimidating, Lyndsay points out that the hidden expenses associated with moving are frequently overlooked. Costs such as closing fees, moving logistics, potential increases in mortgage rates, and the need for new furniture can contribute to a budget that escalates quickly. In contrast, remodeling enables homeowners to invest in their current properties, transforming them into ideal spaces without the disruption of relocating.
CONTINUED >
For those who remodel with FBC, the process begins with a personal touch. When clients reach out, they are met with an experienced designer focused on understanding their needs. This initial conversation establishes the foundation for the remodeling journey, as both parties discuss goals and identify specific challenges to address.
Following this is the “Ideas Meeting,” a pivotal stage where the dedicated design team presents two distinct concepts tailored specifically for the client. Utilizing detailed floor plans and engaging 3D renderings, clients and designers collaboratively explore which option aligns with their vision. Feedback is essential during this creative phase, and designers actively seek client input at every step.
Ultimately, remodeling with FBC means ensuring that "every detail of the living space is customized," according to Lyndsay. "From cabinetry knobs to closet organization, every element is designed to enhance the client's quality of life." The experience culminates in a beautifully remodeled home, where each corner is tailored to its owner's lifestyle, creating a space for relaxation, entertaining friends, and living with ease.
Interested in starting a remodel? Contact FBC by calling 651-370-8784 or visiting fbcremodel.com.
“ BY REMODELING, HOMEOWNERS CAN CONTINUE TO ENJOY THEIR ESTABLISHED ROOTS WHILE ADDRESSING THEIR EVOLVING NEEDS.
8100 Highwood Drive | Bloomington, MN 55438 AL License #408099 | SNF License #409294 FRIENDSHIPVILLAGEMN.COM
EAT DINNER TOGETHER AS A FAMILY.
This meaningful time around the table is where connections happen. Let everyone share good moments from the day or something they struggled with. Create a jar of conversation starters, exchange giggles and cook up something delicious.
CREATE SURPRISES
Everyone likes to feel special – and surprised. The littlest things make the biggest impact: A backyard picnic; a sleepover in an indoor fort; an afterschool ice cream treat; a bathroom spa day.
CREATE FAMILY TRADITIONS
Build weekly or monthly traditions – movie nights with popcorn, board game marathons, a gratitude jar, evening bike rides, living room
dance parties, even a family book club to discover old favorites and new reads.
EXPRESS LOVE AND GRATITUDE
In busy seasons, it’s easy to forget to let a loved one feel appreciated and thought of. Tuck a hand-written note in a lunch box or give an unexpected hug; spend time sharing what you’re thankful for about them.
KEEP GENERATIONS LINKED
Consider Sunday meals with grandparents or weekly phone calls if distance separates. Invite them to share their childhood stories and treasured memories. Start a yearly family scrapbook filled with favorite photographs and vacation souvenirs.
PRIVATE SUITES WITH IR SAUNAS & RED LIGHT THERAPY
IMPROVE SLEEP
DETOX THE BODY
REJUVENATE SKIN BURN CALORIES
RESERVE YOUR FIRST SESSION FOR $20
L OCATED IN CENTENNIAL LAKES PLAZA (952) 230-2574
EVERY MONDAY
Trivia and Brews
Bear Cave Brewing | 6:30 PM
Get your thinking caps on and join Bear Cave Brewing every Monday for Trivia Mafia. Gather your team and test your knowledge across a range of fun topics. The game kicks off at 6:30 p.m. sharp, so arrive early to grab a beer, order your favorite pizza, and get ready for a night of friendly competition. Plus, they've got great prizes for the winners! bearcavebrewing.com
APRIL 3RD
Bell Museum | 10:00 AM
Monarchs and Milkweed: A Story of Survival takes you on a journey into the world of butterflies and plants, and introduces the complex relationship between monarchs and milkweed. The exhibit explores how their very survival has been shaped over time by one another. Travel through the seasons of a calendar year to discover how both insect and plant grow and interact, culminating in a massive butterfly migration that crosses a continent. bellmuseum.umn.edu.
APRIL 8TH - 13TH
Ordway Center for the Performing Arts
Cady Heron may have grown up on an African savanna, but nothing prepared her for the vicious ways of her strange new home: suburban Illinois. Soon, this naïve newbie falls prey to a trio of lionized frenemies led by the charming but ruthless Regina George. But when Cady devises a plan to end Regina’s reign, she learns the hard way that you can’t cross a Queen Bee without getting stung. ordway.org/events/mean-girls
ARTICLE BY KRISTY BELLEY
The drink that makes you look forward to TAX DAY
• 1½ oz. Gin
• ¾ oz. Dry Vermouth
• ¾ oz. Sweet Vermouth
• ¾ oz. Freshly Squeezed Orange Juice
• 2 Dashes Angastura Bitters
• Orange Twist
• Glass Type: Coupe
1.
2. Add everything to your shaker with ice.
4. Pour into your coupe.
5. Twist your orange peel again, like you did last summer.
7. Enjoy being done with taxes.
8. And a good cocktail.
The Income Tax Cocktail likely popped up during the Prohibition party scene of the 1920s. Its exact origin story remains a bit blurry, but it was definitely a hit in speakeasies.
The name? Well, it's like a cheeky nod to the idea that sipping on this cocktail might be more fun than paying actual taxes! Made with gin, sweet vermouth, orange juice, and a dash of bitters, it's like a boozy adventure for your taste buds, with hints of citrus and herbs. Despite its vintage roots, the Income Tax Cocktail still brings the party vibes, transporting you back to the roaring '20s.
