Issuu

JULY 2020

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The Summer Issue

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WEST DES MOINES

LIFESTYLE LETTER

JULY 2020 PUBLISHER

Alexandra Patty | alexandra.patty@lifestylepubs.com EDITORIAL COORDINATOR

Kassi Miranowski | kassi.miranowski@lifestylepubs.com

Like A Kid Again SUMMER REMINDS ME A LOT OF BEING A CHILD. Especially on these long, warm nights when everyone stays outside as long as there is light. Kids are laughing and playing, jumping through sprinklers, chalking sidewalks, using their imaginations and living each day to its fullest. I wonder at what point in becoming an adult we lose that carefree attitude. Admittedly, I don’t like adulting – especially in the summer. It’s hard to stay focused on the serious side when there are so many things to do!

AD DESIGNER

Miranda Williams LAYOUT DESIGNER

Emily Stout CONTRIBUTING WRITERS

Kassi Miranowski, Heather Stetler, Alexandra Patty, Larry Pfarr, Nicolette Martin, Courtney Reed, RGW Wealth Management CONTRIBUTING PHOTOGRAPHERS

Leslie Plesser, Larry Pfarr

This issue showcases a few fun ideas to check off the summer bucket list. Starting with the Fulton taproom remodel, we got to learn a bit about the transformation while talking with Jim Diley, their COO. Lots of care and thought went into expanding this great space where people can enjoy their favorite Fulton beverages with friends and family. We researched a few popular books from the best-selling lists to include in your summer reading collection. These are perfect to read at the park, on a road trip, or simply enjoy in a favorite chair right at home. Dr. Grace Totoe from the Minneapolis Health Clinic in Golden Valley spoke to us about her passion for medicine and how being an independent practice allows for a high level of care for her patients. We captured

CORPORATE TEAM CHIEF EXECUTIVE OFFICER Steven Schowengerdt CHIEF SALES OFFICER Matthew Perry CHIEF FINANCIAL OFFICER DeLand Shore

some good things to think about financially if you’re doing a mid-year check, courtesy

ART DIRECTOR Sara Minor

of RGW Wealth Management. And Larry Pfarr from Wagner’s Garden Center offered

OPERATIONS DIRECTOR Janeane Thompson

a few simple suggestions to keep your gardening efforts going through the season.

AD MANAGER Chad Jensen

Lastly, we shared one of our favorite places to watch the sunset in the city, Lake Harriet.

REGIONAL SALES DIRECTOR Eric Williams WEB APPLICATIONS Michael O’Connell

Despite having to be a grown up, I hope you are able to take time this summer to relax and at least feel a bit like a kid again. I might just go and jump through my sprinkler!

514 W 26TH ST., KANSAS CITY, MO

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Proverbs 3:5-6 Minneapolis Lakes™ is published monthly by Lifestyle Publications LLC. It is distributed via the US Postal Service to some of the Minneapolis Lakes areas’ most affluent neighborhoods. Articles and advertisements do not necessarily reflect Lifestyle Publications’ opinions. No portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial

Minneapolis Lakes | July 2020

contributors. Information in Minneapolis Lakes™ is gathered from sources considered to be reliable, but the accuracy of all information cannot be guaranteed.

Maggie Sullivan Realtor

(612) 710-9295 maggie.sullivan@cbburnet.com

Homes are the center of our lives. Whether you are buying, selling, or both, I provide my clients with exceptional service, honest communication, and a passion for finding the right home.

I look forward to hearing from you! Real estate agents affiliated with Coldwell Banker Burnet are independent contractor sales associates, not employees. ÂŠ2019 Coldwell Banker Burnet All Rights Reserved. Coldwell Banker Burnet fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Owned by a subsidiary of NRT LLC. Coldwell Banker and the Coldwell Banker Logo are registered service marks owned by Coldwell Banker Real Estate LLC

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INSIDE THE ISSUE JULY 2020

FEATURES 10 Fulton Gets a Makeover Look Forward to a Renovated Space

20 Personal Medicine Minneapolis Health Clinic Provides Customized Care

24 A Lake Harriet Picnic Summer Sunsets in the City

24 28

28 Mid-season Gardening Tips Keep Your Green Thumb Going

DEPARTMENTS 4

Lifestyle Letter

Around Town

Locally Owned

Page Turners

20 Local Limelight 24 Locals Only 28 Renovate & Refine 30 Financial Buzz 32 DIY

CityLifestyle.com/MinneapolisLakes

AROUND TOWN

BIG SALE AT OWL OPTICAL Owl Optical is open in Linden Hills, Minneapolis. We are stringently following recommendations from the CDC including wearing masks at all times,

and sanitizing regularly. Family-owned by Chris

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JAGUAR LAND ROVER OPENING SAFELY Jaguar Land Rover Minneapolis takes pride in the care of our customers and employees. We continue that tradition, especially in the face of the the coronavirus (COVID-19) Pandemic. For your convenience: Shop inventory online, by email, phone or chat. Schedule a test drive remotely at your home or business. Complete your sales transaction wherever you feel most comfortable, at home, work or the dealership. Service drop off and pick up to minimize your interactions. Electronically

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Minneapolis Lakes | July 2020

view your invoice and make payments online. More info at jaguarlandroverminneapolis.com or call (763) 222-2200.

PRIVATE APPOINTMENTS AT NEW GILD JEWELERS Are you missing some sparkle as much as we've missed you? At New Gild Jewelers we've taken necessary precautions for the safety of our team

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LOCAL MOTION BOUTIQUE Local Motion wants you to feel safe while you shop local! Please check out localmotionboutique.com for more information on our detailed COV19 safety plans and our shopping hours, or have fun shopping at a private in-person or FaceTime shopping appointment. Tune in for the newest trends on our weekly Facebook/Instagram Live shows. Shop from the comfort of home and still support local at localmotionboutique.shop. We thank you for your support as we navigate these times and continue to do what we love - bringing

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unique fashion and art to our community. CityLifestyle.com/MinneapolisLakes

LOCALLY OWNED

F u lt o n G e t s

ARTICLE HEATHER STETLER

PHOTOGRAPHY PHOTOGRAPHY PROVIDED BY FULTON BREWERY

a Makeover FULTON

WAS

FOUNDED

2009

SOUTH

MINNEAPOLIS GARAGE FILLED WITH DREAMS OF BUILDING A REAL BREWERY IN MINNEAPOLIS. Dreams came true quicker than expected for the owners of Fulton who

LOOK FORWARD TO A RENOVATED SPACE 10

Minneapolis Lakes | July 2020

accidently put together a team that happened to brew great beer. Jim had the big ideas, Peter built the equipment, Ryan

CONTINUED >

CityLifestyle.com/MinneapolisLakes

LOCALLY OWNED (CONTINUED)

“We are tailoring the building for the taproom experience, so when you walk in you feel like you are in a taproom and not just a warehouse where beer is brewed.”

dreamed up recipes and Brian drank the beer. Then their first employee came along, Mike, who is now the VP of Brewing. The first step was finding a space to brew. They found Sand Creek Brewing Company who had capacity for them to brew while learning the business from experienced brewmasters. Less than a year later they were distributing to over 100 bars in the Twin Cities and signed a lease for their own space in downtown Minneapolis that became Minneapolis’ first taproom. Before they knew it, business was booming with the taproom and brewing facility, but they were already in need for another brewery to accommodate production needs. In September of 2013, they found their gem. A 51,000 square foot building in Northeast Minneapolis that has the capacity to brew 80,000 barrels annually and houses their main office, warehouse and QC/QA laboratory. Currently, the downtown location is undergoing a remodel that emphasizes the taproom and enhances the customer experience at Fulton. “We are tailoring the building for the taproom experience, so when you walk in you feel like you are in a taproom and not just a warehouse where beer is brewed,” says Jim Diley, Co-Founder at Fulton. The original space was a 6,000 square foot single tenant building. The previous tenant was a commercial sewing company, so the space was very warehouse looking. One of the biggest changes was adding in more windows and taking down some walls to create a more open, airier space. “The walls were diminishing the brewery and retail space, so removing them creates more space for guests to move around and observe everything around them,” says Diley. CONTINUED >

Minneapolis Lakes | July 2020

CityLifestyle.com/MinneapolisLakes

LOCALLY OWNED (CONTINUED)

“We also added a vestibule in the entry way to make the space more functional. Before you had to go up stairs, now guests will be able to enter the patio and building before they get to the retail space. This creates a better flow for the guest experience.” You will also find the addition of large 12x10 rollout doors that look out onto the street. The patio area has been renovated and expanded to be all on ground level versus raised on different levels as it was previously. The new patio has the capacity to seat over 100 people and of course, it’s dog friendly. The overall taproom is being revamped with fresh coats of paint and updated lighting fixtures to minimize the warehouse look and feel. The inside has an occupancy of 250 people, and is a mix of high tops, booths, and built-in banquette tables along with standard bar seating. The space can also be divided into private event spaces. This allows the community to book large groups, meetings or presentations with part of the taproom still operating for the general public. A new kitchen is also part of the renovation. In the past there was a food truck on site, but now there will be a full kitchen offering an expanded menu. “This will really improve our service and give our customers more variety when it comes to our food operations,” says Diley. In addition to the taproom upgrades, there will also be changes to the production space. A 3-barrel brew house is being installed which will allow Fulton to innovate and infuse creativity when it comes to brewing. “Customers will be able to try new, unique beers that will only be available in the taproom,” says Diley. “Of course, all of our standard beers will be served as well. We have the capacity to have 20-30 different beers on tap at a time. This includes our award winning Lonely Blonde beer and the 300 IPA that is a crowd favorite.” You can look for the newly remodeled taproom later this summer. “We have the most amazing people who work with us and we are so excited to welcome the staff and neighbors back to one of their favorite spots,” said Diley. For more information on Fulton Brewery, visit www.fultonbeer.com. 14

Minneapolis Lakes | July 2020

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SUMMER CAN BE A GREAT TIME TO PICK UP SOME NEW BOOKS AND TAKE TIME TO RELAX AND UNWIND. Whether it’s auto-biography, biography, fiction, non-fiction or educational, reading is an important part of exercising brain function, learning exciting new things, and can even be a sort of escape. Books have also been recognized as a stress reliever. Some research has indicated that reading a book has been known to lower heart rate and ease the tension of muscles in as little as six minutes. A lot of times reading is done in quiet or calming environments which can also help contribute to de-stressing. Dependent upon your book of choice, reading distracts us and allows our minds to venture into new worlds. These summer reads were taken from the New York Times best seller list in conjunction with the highest rated on Goodreads. If you haven’t checked out the Goodreads App yet, it’s a convenient way to list books you have read and are

THREE SUMMER BOOKS WORTH CHECKING OUT

Your Own Private Get Away

PAGE TURNERS

Minneapolis Lakes | July 2020

ARTICLE KASSI MIRANOWSKI

»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»»

currently reading. You can also discover books your friends are interested in, and explore some of the most popular picks available. With summer in full swing, here are some top picks to enjoy on your summer journey. Camino Winds by John Grisham is perfect for a road trip while Becoming by Michelle Obama could possibly be the best pick for the park or backyard hammock. And Magnolia Table: A Collection of Recipes for Gathering (Volumes 1 & 2) would go well with your favorite living room chair or sofa, or at least that spot close to the kitchen in case of some sudden inspiration!

CAMINO WINDS by John Grisham is a fictional crime thriller. As Camino Island braces itself for a destructive hurricane, people are advised to evacuate. But, Bruce Cable, a best-selling author, decides to stay put and ride out the

DESTINATION

storm. The hurricane is devastating with homes destroyed,

Road trip.

storefronts ruined, streets flooded, and a dozen people lose their lives. One victim is Nelson Kerr, a friend of Bruce’s. But the nature of Nelson’s injuries suggests that the storm wasn’t the cause of his death: He has suffered several suspicious blows to the head.

BECOMING is the memoir of former United States first lady Michelle Obama. Described by the author as a deeply personal experience, the book talks about her roots, her education, and early career as a lawyer in addition to meet-

DESTINATION

ing Barack Obama. She explains how she found her voice,

A park or some-

describes her time in the White House, her public health

where outside.

campaign, and her role as a mother. After 15 days, Becoming became the best-selling book in the US for the year 2018, and has sold over 10 million copies.

MAGNOLIA TABLE Full of personal stories and beautiful photos, Joanna Gaines believes there is no better way to celebrate family and friendship than through the art of togetherness, tradition, and sharing a great meal. This book includes 125

DESTINATION

classic recipes from breakfast, lunch, and dinner to small

Your favorite chair.

plates, snacks, and desserts—presenting a modern selection of American classics and personal family favorites. Dishes like Chicken Pot Pie, Mac and Cheese and even Chocolate Chip Cookies, this book and its Volume 2 will leave you inspired with new ideas.

CityLifestyle.com/MinneapolisLakes

LAKES AREA REALTY

Locally Owned. Community Focused.

Count on our experience to simplify yours... STEVE HAVIG GARY BENNETT MIKE OLAFSON

612.867.5624 612.229.6972 612.229.5910

steve@lakesarearealty.com gary@lakesarearealty.com mikeo@lakesarearealty.com

ACTIVE

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3BR/3BA | $599,000 | 2,650 SF

KEVIN FRIELING, Realtor® 612.770.3452 kfrieling@lakesarearealty.com

JIM GRANDBOIS, Realtor® 612.229.5415 jim@jimgrandbois.com ACTIVE

ACTIVE

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Build your dream home in a prime neighborhood! Beautiful new construction with an open floorplan & high-class finishes including marble, granite & wood floors.

Linden Hills jewel! Spotless inside and out. Carriage house is a dream home office, 4th bedroom or guest quarters. Just steps to the Lake!

4BR/4BA | $1,290,000 | 4,000 SF

3BR/2BA | $849,900 | 2,614 SF + 350 SF Carriage House

LAKES AREA REALTY Uptown | Linden Hills | Excelsior | Spicer | Hudson/Lake Elmo

RESIDENTIAL HOUSING MARKET UPDATE FOR MAY 2020 Minneapolis Lakes Area | Single Family Properties | $500K+

Calhoun Isles Bryn Mawr South Uptown

Cedar-Isles-Dean

East Calhoun (ECCO) East Isles Kenwood

Lowry Hill Lowry Hill East West Calhoun

Southwest Armatage

East Harriet Fulton Kenny

King Field Linden Hills Lynnhurst Tangletown Windom

Closed Sales

Homes for Sale

Avg. Sales Price (000s)

% Change

Avg. Days on Market

Avg. Price per Sq. Ft.

10 1 1 2 1 5 -

38 3 1 8 3 9 3 11 -

$977 $790 $695 $743 $1,350 $1,089 -

+0.9% -23.3% +111.0% -11.2% -

157 149 130 29 349 177 -

$280 $208 $257 $251 $317 $302 -

17 1 2 4 1 4 4 1 -

72 5 4 12 2 1 27 17 4 -

$676 $850 $1,100 $760 $543 $543 $626 $600 -

-10.3% -5.0% +92.5% +10.8% -16.0% -37.7% -7.9% -15.1% -

56 314 39 41 3 10 61 95 -

$257 $256 $249 $244 $301 $313 $235 $142 -

For more information contact: Steve Havig | 612.867.5624 | steve@mplslakes.com Zip codes included: 55403, 55405, 55408, 55409, 55410, 55416, 55419 All data obtained from Northstar MLS. Data is deemed reliable but not guaranteed. Data updated June 3, 2020

bremer.com LORI DONNELLY Mortgage Banker, Bremer Bank | NMLS 553375 651.312.3534 | lkdonnelly@bremer.com

lakesarearealty.com STEVE HAVIG CEO/President, CRS, GRI, Broker 612.867.5624 | steve@mplslakes.com

LOCAL LIMELIGHT

Pe r s o n a l Medicine MINNEAPOLIS HEALTH CLINIC PROVIDES CUSTOMIZED CARE

ARTICLE ALEXANDRA PATTY

AS THE PRACTICE OF MEDICINE IS EVER-CHANGING AND EVOLVING, HOW DOES THIS IMPACT YOU? Good healthcare and the ability to determine the best fit for you and your family has never been more important. Dr. Grace Totoe of Minneapolis Health Clinic in Golden Valley has taken a fresh and more human approach to treating patients. Her practice emphasizes more time to really listen and respond with individual attention to each person she cares for. The Minneapolis Health Clinic offers a variety of healthcare services that cater to busy professionals as well as their families. These in-demand services range from primary care to weight management, allergy testing to dietary needs, pre-op and disability 20

Minneapolis Lakes | July 2020

evaluations, to pre-employment evaluations, as well as providing valuable second opinions for critical medical decisions. Born, raised, and educated in Ghana, West Africa, Dr. Totoe graduated medical school and came to the United States to complete her medical residency with St. Mary’s Hospital in Connecticut, a Yale University affiliate. After her residency program, she moved to Minnesota for a transfusion medicine fellowship. But, after finishing her fellowship, she was moved to pursue hospital medicine as an internist. She is now board-certified, and has worked in various hospital systems in Minnesota including Mayo Clinic, North Memorial Medical Center, and Health Partners to name just a few. She currently holds her medical license in the states of Iowa, Kansas, Minnesota, and Wisconsin. Dr. Totoe was inspired to start her own clinic in 2018. It was important to her to work for herself and allow flexibility with her time on both the personal and professional side. Rather than risking possible burn-out in a hectic hospital atmosphere, she has committed to providing innovative, quality care without the typical time constraints. Dr. Totoe emphasizes that she “doesn’t want you to feel rushed” when coming to see her. She focuses on personalized medicine; being able to tailor patient care towards a patient’s risk factors. This includes analyzing the client’s health portfolio, current state, and family history. As a member of the Society of Lifestyle Medicine, Dr. Totoe works to provide lifestyle medicine with a holistic approach where each patient can achieve their short and long-term health goals.

CONTINUED >

CityLifestyle.com/MinneapolisLakes

LOCAL LIMELIGHT (CONTINUED)

Unlike most clinics, Minneapolis Health Clinic is set up to cater to two models of clients - those with and without health insurance, including out of state travelers. The practice provides concierge medical services to busy executives in need of a flexible schedule while providing them ample time to share their health concerns and goals. Visiting an independent clinic has major advantages such scheduling an appointment at a time most convenient for the patient, getting more doctor-to-patient face time, deepening the quality of care, taking time for health planning, and offering access to visit notes that can be referenced at any time as needed. Dr. Totoe’s team includes herself, two family nurse practitioners, and a medical assistant. As an internist, Dr. Totoe does not see children, so her Nurse Practitioner provides this same quality of personalized care for infants and children. In response to community needs and patient requests, there are plans to add Urgent Care services in the near future. Minneapolis Health Clinic provides state of the art telemedicine services accessible by phone, tablet/iPad or desktop computer without a patient ever needing to leave the comfort of their home. Appointments can be scheduled at the website, by calling or texting the clinic number at 763-496-5708. Clients can access their visit notes for future use. Dr. Totoe prides herself with an innate ability to connect with people; she is described as empathetic, calm and patient in all her interactions. She endeavors to help her clients meet their health goals by providing quality care to the best of her capabilities. When asked about what one should look for when selecting a healthcare provider, Dr. Totoe’s gives advice for finding a good physician, “Seek out a provider who will be patient and listen. Get extra information from online reviews. Also, make sure your doctor is experienced and specializes in the services you need at the time. With the current trends in medicine, I think everyone will benefit from personalized medicine and that is what a practice like the Minneapolis Health Clinic can provide”. 22

Minneapolis Lakes | July 2020

J ON E S - H A R R I S ON R E S I D E N C E . W E ’ R E I N YO U R N E I G H B O R H O O D ! Call 612.920.2030 today for a tour or more information.

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A Place to Thrive

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3700 Cedar Lake Ave, Minneapolis, MN 55416 P 612.920.2030

Jones-Harrison EST. 1888

www.Jones-Harrison.org

RESIDENCE

CityLifestyle.com/MinneapolisLakes

LOCALS ONLY Lake Harriet (photo by Leslie Plesser)

A Lake Harriet Picnic SUMMER SUNSETS IN THE CITY

ARTICLE COURTNEY REED PHOTOGRAPHY LAKE HARRIET AT SUNSET, LESLIE PLESSER 24

Minneapolis Lakes | July 2020

SUNSETS IN MINNESOTA ARE BEAUTI-

jelly or jam. Include a folding chair or two

FUL AND WATCHING THEM CAN BE A

with a few blankets and pillows for an extra

FUN AND RELAXING ACTIVITY. There

comfortable setting.

are some fabulous places in the Twin Cities

Lake Harriet in particular offers beau-

that are great for watching sunsets and

tiful park surroundings and great sunset

enjoying nature with friends or family. It’s

watching. It provides ample city green

a simple outing where one can even pack

space and offers sailing, two beaches, a

a picnic basket with fruit, veggies, cheese

2.99 mile bike trail and a 2.75 mile pedes-

and meats for the perfect evening snack.

trian trail. The Lake Harriet bandshell has

A charcuterie board will make things light

plenty of choice spots to put a blanket

and simple for set up. Dependent on your

down and enjoy the summer elements of

preferences, the contents are interchange-

Minnesota. They also have a seasonal out-

able; with basics including cured meats, an

door restaurant, Bread & Pickle.

assortment of cheese, olives, nuts, fresh

Located in the northeast corner of Lake

or dried fruit, crackers or baguette bread,

Harriet, is Lyndale Park. The 1.5 acre park CONTINUED >

CityLifestyle.com/MinneapolisLakes

LOCALS ONLY (CONTINUED)

is home to four popular gardens including the rose gardens, the perennial garden, perennial trial garden, and the arboretum. The rose garden is the second oldest public rose garden in the United States, and showcases 3,000 plants in 100 different varieties. The grounds and walking paths are well maintained and picturesque. A brief walk from the rose garden, is the Thomas Sadler Roberts Bird Sanctuary. Established in the 1800’s, it serves as a sanctuary for migratory songbirds in the spring, but you will find warblers are the primary attraction amidst this portion of peace in the city.

Minneapolis Lakes | July 2020

RENOVATE & REFINE KEEP YOUR GREEN THUMB GROWING

CONTAINER GARDENS

only hold a limited amount of nutrients. Feeding with a water-soluble fertilizer or adding a slow release fertilizer will help give these plants the much-needed energy to keep blooming and growing throughout the rest of the summer. Also, as summer progresses some plants can start looking at bit straggly or overgrown. Don’t be afraid to give petunias, calibrachoa or any trailing plant a bit of a trim if needed. In the case of blooming annuals this will help produce more flowers. If some plants are just not doing well in the containers considering removing them and replacing or just let the other plants fill in around the empty space.

PROVIDED BY LARRY PFARR

As we move into July it’s important to remember to fertilize our container gardens. These pots and containers hold a limited amount of soil which in turn can

ARTICLE LARRY PFARR | PHOTOGRAPHY

MID-SEASON GARDENING TIPS

VEGETABLE GARDENS Growing your own vegetables has seen a tremendous resurgence this past spring. Just like the container gardens, giving your vegetable plants some organic fertilizer will help produce a great crop of peppers, tomatoes, cucumbers or anything else you may be growing. Once we get to the end of July and early August a second crop of cool season veggies such as lettuce, peas, kale, spinach, radish and beets to name a few can be seeded directly in the garden to give you a fall crop of homegrown goodness. LANDSCAPING Summer is an excellent time to plant shrubs, shrub roses, evergreens, trees and perennials, whether it’s a full-on landscaping project or just freshening areas of your yard. The most important thing to keep in mind is to make sure plants are adequately watered during the hot days of summer. A thick layer of cypress mulch or wood chips around your landscape plants will decrease the amount of water needed plus help to control weeds. Perennials, shrubs and trees can be successfully planted until early November. Evergreens should be in the ground in early October. Be sure to keep newly installed plants well-watered until the ground freezes. 28

Minneapolis Lakes | July 2020

LARRY PFARR

SWISS SHARD

CATMINT (NEPETA)

SUMMER CRUSH HYDRANGEA

Easily started from seed in late July or early August, swiss chard can be grown in the vegetable garden or in planters. It thrives during cool fall temperatures.

A favorite for three reasons. Blue flowers bring the color of the sky into the garden. Trim back a bit after the first blooms have faded and it will rebloom all summer. It’s a pollinator magnet. They love it!

Introduced in 2019 by Minnesota’s own Bailey Nurseries, Summer Crush Hydrangea makes a great addition to the landscape with its bright raspberry red flowers. If you’re looking for a different look, grow these plants in decorative containers during the summer months. CityLifestyle.com/MinneapolisLakes

FINANCIAL BUZZ

Tax-Smart Financial Stability RGW WEALTH MANAGEMENT SHARES WHAT TO EVALUATE

RGW WEALTH MANAGEMENT UNDERSTANDS HOW IMPORTANT FINANCIAL PLANNING IS FOR THE FUTURE. Helping people achieve their financial goals since 1995, RGW believes in tax-smart financial plan-

ning with a mission to minimize taxes, maximize after-tax wealth, and enable better long-term outcomes for clients. Below are three things to keep in mind throughout your planning process.

REVIEW YOUR SHORT-TERM NEEDS AND LONG-TERM FINANCIAL GOALS– Let the recent world events serve as a reminder to make sure your finances enable you to fulfill both your short-term needs and long – term goals. Everyone’s personal situation is different. It remains of critical importance to have your own strategy in place to make sure short - term needs will be met in an optimized fashion – covered from market pullbacks & unanticipated emergencies. With confidence your short - term needs are covered, review your long – term financial goals and work towards implementing a

strategy to help you achieve them. KNOW WHERE YOU’RE AT AND WHERE YOU’RE GOING– Take inventory of your current situation. What do you own and what do you owe? Review outstanding debt and determine if there are opportunities to refinance at lower rates. Get an accurate picture of what your inflows and outflows are. Once you have this down, review or start thinking about what you want to achieve in the future and develop a tax -

smart plan to help get you there. KNOW YOUR INVESTMENTS- Examine your current investments and the various accounts they are located in. Is your current strategy in alignment with your goals? Are they positioned in the most tax efficient manner? Review your investment options and select based on your own unique objectives. Always consider your own risk tolerance.

Learn More at www.RGWwealth.com Securities offered through Avantax Investment Services℠, Member FINRA, SIPC Investment advisory services offered through Avantax Advisory Services℠. Insurance services offered through an Avantax affiliated insurance agency. 30

Minneapolis Lakes | July 2020

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DIY

COOL OFF THIS SEASON WITH CHILLING ICE POPS, NO-BAKE SWEET TREATS + HOW TO USE HEALING ALOE

Minneapolis Lakes | July 2020

ARTICLE NICOLETTE MARTIN

beat the summer heat

AS THE WEATHER STARTS HEATING UP, WE’RE ALL ABOUT COOLING DOWN. And what’s more refreshing than ice pops filled with your favorite fresh fruit? Don’t get in a rut—here are some options that you can enjoy all summer long. Don’t be afraid to try your own! Simply freeze your favorite fruit juice and chunks of fruit in popsicle molds and enjoy. Here are some of our favorites.

frozen fruit pops P E AC H Y K E E N .

S T R AW - B R R -Y.

H 2 0 M E LO N .

+ Combine simply peach juice

+ Puree strawberries with your

+ Combine watermelon,

and sliced peaches

favorite fruit juice

cucumber and lime

TEA TIME: Change it up by

LIME IT UP: Combine pureed

HYDRATION STATION:

using sweet tea and peach juice

strawberries with homemade

Did you know watermelon

as your base and some ginger

limeade (water, limes + simple

and cucumber are two of

ale for a little fizz or add some

syrup) for a frozen twist on a

the most hydrating fruits +

lemonade for a tart twist!

summer classic.

veggies? Load it up!

CONTINUED >

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DIY (CONTINUED)

F R E S H E N U P.

awesome aloe

Put your plants to use by harvesting aloe gel from the leaves of your window plant rather than opting for store-bought.

TIP ONE.

Thereâ€™s some yellow sap that will come out of the leavesâ€” this is the aloe vera latex. Go ahead and just dispose of it.

Choose thick, healthy leaves from the

T I P T W O.

outside, trim the edges with a knife, then

Store your fresh aloe longer by transferring the gel to ice

separate the interior gel from the

cube trays. Then use the frozen cubes anytime on sunburns

exterior of the leaf.

or dry skin.

no-bake icebox cake

INGREDIENTS

+ 3 cups heavy cream, cold + 1/2 cup powdered sugar + 1 tsp. vanilla extract + Chocolate ice cream + Cookie crumbles, pre-made cake, chocolate candies, crushed graham crackers and anything else you want to layer your cake with

1. In a large bowl, beat heavy cream, sugar and vanilla with a hand mixer until stiff peaks form in the mixture. 2. Start with a thin layer of whipped cream on the bottom of a springform pan (determine the size by how large or small you want your icebox cake to be). Then top with an even layer of chocolate (or your favorite kind of ice cream). 3. For the next layer, top with an even layer of cookie crumbles, cake crumbles, chocolate candies, crushed graham crackers or anything else you want to layer your cake with. 4. Continue with layers of whipped cream, ice cream and toppings until you have reached the top of your pan. 5. Refrigerate at least 4 hours, top with more cookie crumbles or chocolate sauce, slice and enjoy!

Minneapolis Lakes | July 2020

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