Folsom, CA April 2024

What do you invest in?

Investing in Folsom, California is all about pouring our time, energy, and money into things we care about, hoping for something good in return. For us, that means supporting local spots like our favorite businesses and schools and getting involved in community projects like the Hearts of Folsom, making Folsom an even better place to live. Whether it's lending a hand at events or sharing ideas for city improvements, we're all in on making Folsom thrive.

Money-wise, investing means planning for the future, whether saving up for big goals or making sure we're set for retirement down the road. But the most important investment for me? That's time spent with family and friends right here in Folsom. From cheering on our local teams to lazy afternoons at the dog park, these moments are what make life rich.

Every person's investment style is different, but we're all aiming for that same sweet spot of making things better. In this issue, we're excited to dive into all the ways we're investing in our community, our wallets, and the people we love right here in Folsom.

April 2024

PUBLISHER

Tiffany Bellingrath | tiffany.bellingrath@citylifestyle.com

EDITOR

Lisa Wolf | lisa.wolf@citylifestyle.com

ACCOUNT MANAGER

Devera Handy | devera.handy@citylifestyle.com PUBLISHER ASSISTANT

Brittney Herrera | brittney.herrera@citylifestyle.com CONTRIBUTING WRITERS

Melissa Strand, Zac Shess, Jamie Barretta

Jacqueline Pilar Photography, Marcus Carini

Schowengerdt

Perry

DIRECTOR OF HR Janeane Thompson

OF FIRST IMPRESSIONS Jennifer Robinson

Lockhart

Neurocatalyst Center is your sanctuary for personalized therapy, now available both online and in-person.

I provide transformative individual, couples, and co-parenting therapies from the comfort of your own space via telehealth, or in person at my new office in Historic Folsom. Experience ultimate privacy and the luxury of healing on your terms, as we partner to design solutions and relief tailored to your unique needs. Whether you choose remote or face-to-face sessions, experience the elite difference at Neurocatalyst Center.

Now providing neurofeedback services, best known for rapid and effective results in enhancing brain function and well-being.

city scene

1: #ShopLocal 2: Not Too Shabby’s New Space at 702 Sutter Street

FHD Galentine’s Passport Night

Pop Up Event at Shangri La

FHD Ambassadors 6: Lisa Wolf, Brittney Herrera, and Lisa Metzger at Shangri La Pop Up Event 7: Stone + Birch Gals at Galentine’s Day Sip N Shop

WANDA GUESS

Luxury, research-backed substance use and mental health treatment.

In a space designed by mental health professionals and hoteliers of 5-star resorts in a gated minimansion hidden in a local and secluded area surrounded by trees

- Confidential and private

- Onsite psychologist and licensed therapist

- Clinicians onsite 7 days a week

- Psychiatrist Medical Director

- Neuro and trauma trained staff

- Private rooms surrounded by trees, king-size beds

- Views of our beautiful 2 acres

- Yoga, acupuncture, and other ancillary services

Serenity-Recovery.health

Info@Serenity-Recovery.health

FOLSOM, CALIFORNIA 916-905-6276

- Lifetime Alumni Group Membership

- Private pay, in network with Kaiser, work with all major insurances

Enjoy a unique experience at Valensin Vineyard & Winery located just south of Sacramento in Galt, California. Relax with our exceptional wines and beautiful lakeside views.

Open Thursday-Friday 12pm-8:30pm

Saturday & Sunday 11am-6pm

www.valensinvineyard.com

business monthly

A ROUNDUP OF NEWS FROM LOCAL BUSINESSES

Koi Tax Services

Koi Tax Services is a local business specializing in taxation. Their Licensed Preparers and Advisors offer a broad range of services for both individual and small business planning, preparation and filing needs while remaining compliant with the continuously changing tax laws and regulations. A keystone of their business is building lasting relationships with their clients.  31 Natoma St. #150, Folsom. KoiTax.com

Chicago Title Folsom

Chicago Title serves the residential real estate industry in California. They have offices throughout Sacramento, including one in Folsom at 2600 E Bidwell St, Suite 100. They work in all facets of the real estate industry, providing best-in-class real estate services to buyers and sellers in the area and with the real estate professionals, lenders, builders, and attorneys who work alongside them.  Sacramento.ctic.com/folsom

Barretta Wealth Management

At Barretta Wealth Management , they believe financial advice is a collaborative process. They seek to understand their client’s motivation, passion, and goals and work with them to determine the best course of action for their financial success. They are process-driven to give their clients the consistency and congruency they should expect from a professional advisory service.  Barrettawealth.com

Photography by Barretta Wealth Management

Photography by Chicago Title

the CITY LIST

We have such amazing, innovative business leaders in our community who are proud to serve you, our residents, with class and quality. We’ve compiled some of our top company picks for the services that might be on your mind this month in an effort to make your lives a little easier.

Want to suggest a

ARTICLE

LISA WOLF

Sweater

1. IT’S POSSIBLE TO SHOW YOUR UNIQUE STYLE WITH NICE CLOTHES WHILE ALSO STRETCHING YOUR DOLLAR

One’s wardrobe says a lot about a person and it is important to dress to the occasion whether it be work or play while still expressing yourself. Building a wardrobe can be a costly expense but it’s possible to show your unique style with nice clothes while also stretching your dollar.

2. A FUN, SUSTAINABLE WAY TO BUILD A HIGH-QUALITY AND STYLISH WARDROBE

2. SOME PIECES ARE SIMPLY BETTER WHEN THEY ARE SECOND-HAND 1 2 3

Second-hand and vintage-style clothes are a fun, sustainable way to build a high-quality and stylish wardrobe without breaking the bank. Buying hand-made and second-hand also reduces the demand for new clothing production, which helps reduce waste and the environmental impact of the fashion industry.

Some pieces are simply better when they are second-hand like worn denim and lived-in boots or leather that’s softened over time. Get creative and add touches to your old favorites with patches, embroidery, and even natural flower colors transferred to fabric. Grab your old t-shirts, family vintage fabrics, or lace, and pull it all together into something new and memorable.

Vintage Style Skirt from WOLFHOME

Brigitte Hart Dresses

Embroidered Denim

5. SIMPLE, WILD, CLASSIC, COLORFUL;  DON’T BE AFRAID TO SHOW YOUR STYLE

The best way to keep your wardrobe fresh is to look for either trendy or classic new pieces and match them with your favorite vintage or second-hand pieces, like a new dress with your grandma’s old leather jacket or a recently purchased foundation piece with a skirt made from vintage fabrics. Simple, wild, classic, colorful; don’t be afraid to show your style and your financial fashion savvy at the same time.

4. IT WAS SO PERFECTLY HER AND ABSOLUTELY GORGEOUS

My sister, Haley, used an 1800s petticoat and blouse, salvaged Edwardian style Christening gowns and a tablecloth, and other fabrics to create the most amazing vintage-style wedding dress. It was so perfectly her and absolutely gorgeous.

6. SOME OF OUR FAVORITE PLACES FOR UNIQUE OR THRIFTED STYLES ARE:

Brigitte Hart Dresses, Marigold Boutique, Coastal Collective, and Freestyle Clothing Exchange.

Vintage Wedding, Models: Haley and Clara

Vintage Leather Crop Jacket

Vintage Fabric Skirt by Brigitte Hart Dresses, Boots from Footloose Vintage

Photo by Jacqueline Pilar, Model/Stylist: Brittney Herrera

ARTICLE BY MELISSA STRAND

“Empowering people to achieve their financial goals and live their Ideal Life.

Navigating the complex labyrinth of wealth management can often leave even the most financially savvy individuals feeling perplexed and uncertain. You want to do what’s best for yourself and your nest egg but it can feel so complicated. Seeking assistance from a seasoned wealth manager may be the key to offering peace of mind with your future funds. Empowering yourself to work with a wealth management firm is a smart way to ensure your hard-earned money keeps working hard for you.

Our Folsom community is fortunate to have a local resource that provides holistic wealth management and comprehensive solutions for families and businesses. Meet Daniel Poppers, AIF ®, President & Wealth Advisor at Ideal Life Wealth Management, a full-service financial planning firm offering a comprehensive range of services designed to address every aspect of their clients’ financial lives. They provide services in retirement planning, estate considerations, tax optimization, insurance analysis, and more. Overall, their comprehensive offerings are designed to provide clients with peace of mind, knowing that every aspect of their financial lives is carefully considered and integrated into a cohesive strategy aimed at achieving their long-term goals. They serve as a trusted partner, guiding clients every step of the way on their financial journey.

Daniel moved from the Coachella Valley to Lake Tahoe in 1998 for college and to follow his passion for snowboarding. He later moved to Sacramento and was a professional photographer and video producer, but felt a calling to embark on a career that would be more impactful and meaningful. He got into the financial industry and has been doing that since 2013. Before joining LPL Financial in 2017, he

built his business at Edward Jones, where he was recognized and awarded for opening his branch office in Folsom from scratch. An entrepreneur at heart, Daniel is proud to be an independent financial advisor with LPL Financial where he can tailor service offerings to the needs of his clients.

Daniel and his team’s mission is to help all clients live a happier, healthier, and better quality of life. They seek to assist clients with defining their values and goals to help them attain their vision of an ideal life. Daniel’s biggest inspiration to start his own independent financial services company stems from a profound desire to make a meaningful difference in the lives of clients and their families and offer a more personalized approach to wealth management.

Daniel is an Accredited Investment Fiduciary (AIF ®) which means he upholds a sacred commitment to always act in the client’s best interests. Daniel also believes financial planning is a necessary piece of a successful retirement plan and works diligently to identify and work towards goals that are planned out in conjunction with wealth management. Daniel and his team take pride in positively impacting not only clients' lives but also future generations, enabling clients to contribute to grandchildren's education funds, pay off mortgages early, and manage unexpected expenses without dipping into savings or retirement.

Beyond his professional endeavors, Daniel finds joy in cherishing moments spent outdoors with his three children as they pursue their ideal life. When he's not immersed in the stock market, Daniel can be found enjoying the beauty of California, from catching waves, skiing, and hockey to boating, fishing, and photography. IdealLifeWealth.com

YOUNEED A PLANNOW!

FINANCIAL PLANNING AND THE IMPACT ON YOUR FAMILY

ARTICLE BY LISA WOLF AND JAMIE BARRETTA

BARRETTA

| PHOTOGRAPHY BY JAMIE

“You never think it will happen to you.”

One of the best pieces of advice I've received from my financial adviser at  Barretta Wealth Management was not about what stocks to buy but that you need to have a plan now for what can happen financially in the future.  Here's Jamie Barretta’s story:

“You never think it will happen to you.  Even when my best friend had her husband die unexpectedly a year prior, I still was shocked and unprepared when it happened to me too.  I was 40 and my daughter, Rosie, had just turned 3 when her father died suddenly and unexpectedly from a blood clot. Through all the tears, we were thrown into having to piece back our lives while dealing with the fact that

we didn't have a trust created to protect us. We had conversations about being prepared but we were young and in no hurry.

I've always been financially independent, but our financial situation was in question as, without a plan, everything went into probate. Our home, our money, and our daughter's future were in the hands of the court for a long time. It made an already hard situation, much harder and very costly.

Now, as a single mom, I share my story as a warning to ask the hard questions with your partner. Make sure to review all documents together and with a third party. Take the time to create a financial plan so you can feel secure now and in the future"  BarrettaWealth.com

CONTINUED >

Camino de Santiago, Spain

“Take the time to create a financial plan so you can feel secure now and in the future.”

Sugar Bowl

Investing IN YOUR DIRT

HOW GROWING FOOD NURTURES THE ENVIRONMENT, YOUR HEALTH, AND COMMUNITY

ARTICLE BY ZAC SHESS | PHOTOGRAPHY BY MARCUS CARINI

As environmental consciousness gains more traction and food prices soar, families can make a positive impact by transforming traditional lawns into vibrant edible gardens. Not only does this shift represent an investment in the environment, but it also can offer a plethora of benefits for both physical health and community cohesion.

Marcus Carini, co-founder of Newfound Foodscapes, an edible garden design, installation, and coaching company, has long envisioned flourishing edible gardens when others saw lawns or unused dirt patches.

That’s in part why he and his wife, Beth Leonardo, created their business. “Rather than maintaining grass that just serves an aesthetic purpose, we saw an opportunity where families can use that space to grow organic food,” said Carini. “It’s such a win-win in many ways because they know what they’re eating. Some people want to save money and reduce their carbon footprint by minimizing the need for transportation and packaging associated with store-bought produce. If that’s not as important to you, growing your own organic garden eliminates pesticides and fertilizers and makes soil your asset.”

Leonardo says there are still opportunities to invest in organic gardening for those who still like their lawns. “You can grow food

anywhere. A nice lawn conversion is great, but you can grow food inside yards, parking strips, along a fence or patio, and even window ledges,” she said.

As they grew the business (pun intended), they began to see other benefits. Cultivating food can foster a sense of community. Seeing lush vegetable beds replacing traditional lawns often sparks curiosity and conversation among neighbors. They’ve had neighbors or passersby inquire about gardening, exchange tips, or even express interest in starting their own edible gardens. This shared interest in sustainable living creates opportunities for connection, resilience, and camaraderie, such as sharing the bounty of the harvests with neighbors. CONTINUED >

Marcus Carini and Beth Leonardo, Founders, Newfound Foodscapes

For garden experts like Carini and Leonardo, making a transition from conventional lawns to productive edible gardens represents a multifaceted investment with far-reaching benefits. They have seen families not only contribute to environmental sustainability and prioritize their health through organic eating but also create familial rituals of togetherness while fostering a sense of community from shared gardening experiences.

The Sacramento County Water Agency is on board with this investment in your garden. They offer a “Cash for Grass” program where residential customers may receive a rebate of $1 per square foot up to a maximum of $2,000 per household for grass removed for sustainable use. To learn more about the requirements and apply, visit waterresources.saccounty.gov

• GROW veggies that are more nutrient-dense than industrial organic produce

• HARVEST the freshest and most flavorful produce right when you need it

• REDUCE  the carbon footprint and waste created through grocery distribution

To learn more about how your yard can grow organic, nutrient-dense food, visit newfoundfoodscapes.com and follow their Instagram page to see projects they are working on and get tips for your own environmentally friendly, edible garden.

Everyone loves a party that leaves an impression, so give your guests a bar experience they will never forget! Whether you are celebrating a birthday, new baby, or planning the wedding of your dreams, we want to help take your event to the next level. We believe in memories, moments, and all the tiny unforgettable things that happen in between. Let us customize a bar experience that will truly amaze your guests.

Spring Tablescapes 5

ARTICLE BY LISA WOLF

Spring is like a breath of fresh air after a long winter. It's a time of renewal, growth, and transformation. The vibrant colors and blooming flowers symbolize hope and new beginnings. Pastel-colored linens and floral centerpieces help to create a festive atmosphere for gathering. Add decorated eggs, fresh greenery, and seasonal accents to add a natural charm and remind us of the newness of Spring.

Sophie Allport Hare Tabletop

Heavenly Homes

Heavenly Homes & Gardens

Ginger Ray

APRIL 2024

events

APRIL 6TH

Folsom Historic District Farmer's Market

Sutter Street Roundtable | 8:00 AM

A weekly favorite in Folsom's Historic District. Fresh produce, dairy, organics, and vegan foods, from local farmers and vendors. HistoricFolsom.org

APRIL 6TH

Dragon Boat Race Festival

Black Miners Bar | 9:00 AM

First Annual Dragon Boat Race Festival, benefiting Powerhouse Ministries, whose aim is to inspire and empower people to rise above their circumstances, change their lives, and impact their community. Teams of 16 paddlers with a drummer will compete for the fastest times. Start your own team, join the Folsom City Lifestyle team or just come cheer everyone on. phmfolsom.org/events

APRIL 13TH

Sutter Street Sip n Stroll

Historic Folsom | 2:30 PM

Sip and Stroll your way through Folsom's Historic District tasting wines and food from local wineries and restaurants located inside participating shops in the district. HistoricFolsom.org

APRIL 28TH

Spring Arts and Crafts Fair

Folsom Historic District | 9:00 AM

At 55 years strong, this juried craft fair with 200+ artisan crafters, strolling musicians, food vendors, and Historic District merchants and restaurants is the best place to find unique merchandise in a fun environment! HistoricFolsom.org

Melissa Roybal DRE 01408139

RETIREMENT INCOME PLANNING: MAXIMIZING WEALTH AND LEGACY

YOU ONLY GET ONE RETIREMENT

Retirement marks the culmination of years of dedication, perseverance and sound financial choices. 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. 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. 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.

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.

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.

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.

HOW TO DESIGN A RELAXING SPACE

ARTICLE BY EMILY FOSTER INTERIORS

INVESTING IN HOME DESIGN CAN GIVE YOU A PEACEFUL SANCTUARY WHERE YOU CAN ESCAPE FROM THE STRESSES OF DAILY LIFE. SO GO AHEAD, TAKE THE PLUNGE AND REVAMP YOUR LIVING SPACES – IT’S WORTH EVERY PENNY!

invest inyour living space

There are many things that can help a room feel relaxing, but let’s keep it simple and focus on my top three. I would say that one must incorporate good lighting, great textures, and a decluttered space to truly get the cozy vibes. Let’s tackle each.

GOOD LIGHTING

It’s imperative that there are multiple sources of light in a space. Rooms need a soft warm light, so I always like to use a light bulb between 2,700k and 3,000k. Also, all lights should have the same temperature light bulb to avoid clashing. It’s not enough to just have recessed or pendant lighting. I add a table or floor lamp to a space to truly have ambient light.  Candles are a must for me. They can be scented candles (an extra way to add relaxation) or I like to use remote control tapered candles, so I don’t have to worry about cleaning up wax later.

GREAT TEXTURES

Textures are seen in toss pillows, rugs, draperies, throw blankets and furniture upholstery. Textures add color, pattern and visual interest. I like to use at least three different textures to help a room feel lived-in and welcoming.

DECLUTTERING

So many times, a person thinks that every nook and cranny and every wall need to have something, and this is not the case. A decluttered space is actually more relaxing because overcrowding of items doesn’t quiet the mind. Decluttering a space can be overwhelming, I get it, so just do it in stages.  You’ll love the outcome when the room is tidy, organized and you are only surrounded with what brings you joy.