



Our youngest learners go to PE every day with the same coaches who lead our championshipwinning basketball and football teams — building true community.
The arts are an integral part of a Holland Hall education. All students share in the creation of music, painting, ceramics, dance and more.
With a 9:1 student to faculty ratio and deliberately small class sizes, our students truly connect and develop strong relationships and a solid liberal arts education.
Now enrolling for the 2024-25 school year.
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 future city planning. Investing in our finances helps create wealth, meets long-term financial goals and secures our retirement. On a personal level, we can invest in our families and enrich relationships by giving time and effort to the people in our lives that mean the most to us. This type of investment has the most meaningful impact to not only ourselves but to the people closest to us.
While investing in ourselves, relationships, 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. In this issue, we wanted to share some of the ways that we can invest. Investing in property and home ownership has effects on the community, our finances and those we love. Hear from the experts, realtor Brian Frere and Novum Home Loans owner Don Conwell, on how this can impact your investment strategy. And, most of us love to explore the world! Learn about various travel saving strategies from Tulsa Lifestyle contributor and world traveler Nancy Hermann so you can embark on those wondrous trips.
I’m passing on the ownership and publisher duties of Tulsa City Lifestyle after this issue and moving on to another chapter in my life. I’ve enjoyed talking with, meeting, writing about and partnering with so many wonderful individuals and businesses over the last ten years. I’ve enjoyed giving back by giving almost 200 free ads, stories and publicity to local non-profits. Thank you for allowing my team and I to write about you and for your support.
Happy April!
KATHY SLEMP, PUBLISHER @TULSACITYLIFESTYLEme
traveling with my kids. We have lots of memories and stories. Last night the girls called telling me they were eating at a fish restaurant on the East Coast (and a person they were with didn’t like fish) and one said to the other, “Remember mom’s face when she ate Iguana in Roatan (Honduras)?” They said they couldn’t stop laughing through the whole dinner. The photo is when the girls and I went to Japan to visit my son when he lived there. Of course I had to try pizza (and spaghetti) in Japan. It was delicious.
Kathy Slemp | kslemp@citylifestyle.com
Debra Laizure, Nancy C. Hermann, Don Conwell, Kacie Brown
Cindy Alvarez, Acrylic Asylum Art, Nancy Hermann, Bill Hermann
OFFICER Matthew Perry
EXECUTIVE DIRECTOR OF HR Janeane Thompson
DIRECTOR OF FIRST IMPRESSIONS Jennifer Robinson
TECHNICAL DIRECTOR Josh Klein
AD DESIGNER Andrew Sapad
LAYOUT DESIGNER Rhiannon Coffman
/franchise.
The Reverend John Robinson Chapter of the National Society of Daughters of the American Revolution will replace the original marker (now underwater) honoring American essayist Washington Irving at 11 a.m., on Thursday, April 18, 2024. The ceremony will be at the Irv and Sharna Frank Visitor Center, 160 Ancient Forest Drive in Sand Springs. Dignitaries and guests will commemorate Irving’s travels through Oklahoma and his journal, “A Tour On The Prairies,” published in 1835 was the first written description of Indian territory.
Oklahoma’s oldest garden club received Keep Oklahoma Beautiful’s Environmental Excellence award in November 2023. Tulsa Garden Club has beautified Tulsa and presented gardening education programming since 1929.
“Young gardeners are our future, tomorrow’s leaders in environmental stewardship,” said Club President Kathi Blazer. The Club’s “Buds & Blooms” programming engages youngsters in home gardening through books, hands-on seed-starting, and other activities.
Visit TulsaGardenClub.org/GardeningEducation to learn more and find out how you can get involved. Scan to read more
Toast to a good time with friends at Tulsa Stained Glass with their new Sip & Design classes. Create fun memories and treasured works of art. Enjoy sampling wine and food pairings while learning the basics of dot painting then design a beautiful spring floral themed 19 oz wine glass. Themes change monthly. April 23rd, 6:30 - 9:30 pm. Visit tulsastainedglass.com for tickets. TSG also offers fun 3-hour stained glass events including date night and ladies night out.
Scan to read more
This rockin’ adoption event features animal rescues, shelters and pet-related vendors from Oklahoma. Bring the family to visit hundreds of adoptable dogs and cats. Get your new or current pet ready for a happy, healthy life by visiting pet-related vendors, including vets, board and groom businesses, trainers, and more. Saturday, May 4, 2024 from 10 a.m. to 2 p.m., at the Expo Central Park Hall, 4503 E. 21st in Tulsa. animalallianceok.org/rockandrescue
Photography by Kathy SlempHormone
Being in the mortgage industry for more than 20 years has its ups and downs. The last two years have been as challenging as any I have experienced. Walking through this period you can find yourself questioning your role, the value you bring, and the impact you have. What it has led me to do is start a mortgage company with a fresh vision of what is possible. That story though is for another article.
I have also taken the time to reflect on what homeownership means to families and communities. It is more than just acquiring a piece of property. It is important to remember the profound impact on family stability, community cohesion, and wealth creation. Let’s explore these, understanding that each step towards homeownership is a step towards a brighter future.
At the heart of homeownership lies its incredible ability to strengthen family bonds. A home is not just walls and a roof; it’s a sanctuary where memories are made, where children grow up, and
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The Novum Home Loans Conwell team (L-R) Jordan Kingsley-Executive Assistant, Don Conwell, Jennifer Dukewits-Operations Manager, and Austin Conwell.where families can feel safe and secure. The stability of knowing you have a place to call your own brings a sense of continuity and comfort that can be deeply reassuring. This stability is a foundation upon which families can build traditions, celebrate milestones, and support each other through life’s ups and downs. In a home, every room becomes a chapter of the family’s story, enriching the family's identity and sense of belonging.
Homeownership extends its benefits beyond the threshold of individual homes, contributing significantly to community stabilization and cohesion. Homeowners are more likely to invest in their properties, enhancing not only the value of their own homes but also the aesthetic appeal and vitality of the entire neighborhood. This sense of pride in one’s environment fosters a stronger community spirit, encouraging neighbors to connect, support local businesses, and participate in local governance.
Moreover, stable communities benefit greatly from the continuity that homeownership provides. Long-term residents contribute to a sense of identity and shared history within the community, laying the groundwork for strong neighborhood networks. These networks are essential for creating safe, nurturing environments where families can thrive, children can play freely, and elders are respected and cared for. The ripple effect of this stability is profound, leading to better educational outcomes for children, lower crime rates, and enhanced overall well-being for all community members.
Perhaps one of the most tangible benefits of homeownership is its role in wealth building. Owning a home is not just a milestone in life; it's a crucial component of a long-term financial strategy. As homeowners pay down their mortgage, they build equity in their property, which can serve as
“In a home, every room becomes a chapter of the family’s story, enriching the family's identity and sense of belonging.”
a powerful financial resource for the future. This equity can fund educational pursuits, provide for retirement, or be passed down to future generations, creating a legacy of financial security.
Moreover, real estate has historically appreciated over time, providing homeowners with an asset that can grow in value. This appreciation can significantly increase a family’s net worth, offering financial flexibility and opportunities that might otherwise be out of reach. It's a pathway to financial independence, empowering families to make choices that align with their dreams and aspirations.
Embarking on the journey of homeownership requires careful planning, dedication, and a supportive network. It's important to approach this journey with an open heart and a clear understanding of your financial health. Seek advice from trusted professionals, educate yourself on the home-buying process, and be mindful of the responsibilities that come with owning a home. Remember, the path to homeownership is unique for each individual and family, but the rewards can be life-changing.
In nurturing the dream of homeownership, we’re not just investing in property; we’re investing in families, our communities, and our future. It’s a testament to the enduring value of creating not just a house but a home. A place where with one family at a time, love grows, communities flourish, and wealth is built.
About the author: Don Conwell, co-founder and COO of Novum Home Loans, is a nationally recognized Mortgage executive, advisor and top sales producer.
Novum Home Loans is located at 8126 S. Mingo Road, Suite 200, in Tulsa Oklahoma. For more information visit www.ConwellTeam.com , call or text 918.921.5272 or email ConwellTeam@NovumHomeLoans.com.
"Trip of a lifetime” is the phrase people often use to describe the one big travel adventure they’ve dreamed of taking. The reality is that you needn’t limit your travel to a single blow-out experience. Going places is affordable. International travel can be in expensive. If you’re longing to see the world, here are a few tips to help you get where you want to go.
Several years ago, I interviewed travel guru Rick Steves, and we later crossed paths in France. His travel philosophy is that the more money you spend, the farther away you are from the culture you want to explore. My approach to travel is to combine a bit of luxury with cost-cutting measures. It’s like a game to me, moving the pieces of a plan around to obtain the best experience without going overboard.
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Much cost-cutting strategy depends on what’s in your wallet. Points earned from credit cards can be your currency for free flights and hotels. The American Express Platinum card membership fee is steep, but it easily pays for itself with lounge access, airline credit, hotel deals, TSA fees and even subscriptions for streaming services, among other perks. Hilton and Marriott offer cardholders free hotel nights that can be used to their advantage, and you can capture mega-point bonuses when you obtain a new card. Credit cards from airlines will help you generate frequent flyer miles, forego luggage fees and give you priority boarding. People often ask if I use travel agents. I wouldn’t discourage anyone from that. But, if you don’t mind research and computer work, I recommend putting on your waders and getting kneedeep into the details required for trip planning. It can be fun! I do use American Express Travel to book cruises. They can offer onboard credit and other perks when you pay with your card. If you run into trouble, as we did on a recent cruise, they are there
“Much cost-cutting strategy depends on what’s in your wallet. Points earned from credit cards can be your currency for free flights and hotels.”
with you to sort it out. Always buy travel insurance unless you have an inexpensive fare and you’re willing to gamble. Larger cruise ships don’t offer the boutique hotel-type of experience that some people desire, but it’s also easier to distance yourself from troublesome travelers when there are more people and extra space. We’ve found balcony accommodations and mini-suites to be comfortable. You’ll want to enjoy that fresh sea air even in your cabin and the sound of waves at night.
If you can reach your hotel easily by car or train from where you land or disembark, opt out of the pricey “transfers” offered by some travel companies. I combine air-inclusive deals that begin and end in gateway cities with flights I book myself, using airline points to cover the remaining travel segments.
Dunguaire Castle in Kinvarra, a sea port village in County Galway, IrelandMy approach to travel is to combine a bit of luxury with cost-cutting measures.
Want to fly first class? It’s not budget-friendly, but everyone has a preferred level of comfort. Using flyer miles to upgrade is one workaround. For land-based bargain travel, try Globus, Gate 1 and Collette, which offer flight-inclusive packages. Scour travel deals offered by Travelzoo, Zicasso, Kayak, Viator and Google Flights, among many others.
Begin your trip planning by checking for U.S. State Department travel advisories. Sign on with the Smart Traveler Enrollment Program to receive alerts.
We usually carry little local currency into a foreign country. Instead, locate a secure ATM that’s affiliated with your bank to get the majority of your travel funds. When paying for anything with a credit card, always choose the “coin of the realm.” Money belts are good investments. Also, be sure to carry restroom admission change and some tissues in your crossbody purse or pocket. In places where tips are customary, use cash when possible. Saying “thank you” in the local language is always appreciated.
Book train travel online in advance, and keep your luggage close to you, not by a train’s exit doors. Run your hand inside your hotel safe before you check out, and put eyes on your passport often, especially when you change locations. Pack appliances and devices that work on both 120v and 240v, and adapters that match the shapes of local outlets. Try not to leave your chargers behind!
Above all, make friends, be a good ambassador for America, and enjoy learning all there is to know about our glorious world.
Orchids in the Garden of the Sleeping Giant near Nadi, FijiEXPERT HOME BUYING ADVICE BY REALTOR® BRIAN FRERE
ARTICLE BY DEBRA LAIZURE | PHOTOGRAPHY PROVIDED
Real estate has always been considered a solid investment, and for good reason. Not only does it provide a place to call home, but it serves as a vehicle for long-term financial growth. With recent fluctuations in the stock market and uncertainty in other investment options, many are turning to real estate as a safe, reliable way to build wealth.
An April 2023 Fortune magazine article explains homeowners and renters are the haves and have-nots of the wealth gap era. From their credit scores to retirement savings to overall net worth, homeowners are ahead of renters on almost every financial metric. As a result, they are more than twice as likely as renters to report feeling financially secure.
Brian Frere with the Brian Frere Real Estate Team at Keller Williams Preferred agrees. He says that most truly wealthy people list real estate as the #1 or #2 largest asset class in their investment portfolio. Over time, real estate has consistently increased in value. While there have been a few instances where values have temporarily decreased, the market has always bounced back, proving to be a resilient and stable investment.
"Homeowners are ahead of renters on almost every financial metric."Realtor Brian Frere. Photography Cindy Alvarez.
“Owning real estate can change the outcome of generational wealth.”
Frere says, “Home ownership is one of the best inflation hedges you can ever implement into your life.”
One of the key benefits of buying a home is the ability to secure principal and interest in today’s dollars. While other costs such as food, clothing, and entertainment continue to rise, homeowners are at an advantage because they have locked in the cost of their largest monthly expense.
Unfortunately, Frere says there is a housing shortage in our local area as well as across the United States. In January 2014, there were 488 single-family homes sold in Tulsa County with a $165,373 average sales price. Fast forward to January 2024, and the number of homes sold was nearly the same at 461 homes sold, but the average sales price nearly doubled to $317,201.
However, the alarming difference lies in the fact that in January 2014, there were 3,148 homes available for buyers to choose from, while January 2024 offered only 1,342. Our demand is basically the same, but our supply is a fraction of what it once was.
The Federal Reserve reports the net worth of a homeowner is about 40 times greater than that of a renter. So why are so many younger people opting to rent rather than buy a home?
There is a common misconception among millennials that renting is a more affordable option for achieving their desired lifestyle. With so much conflicting information online and on social media, Frere says it actually creates an incredible opportunity for millennials to invest in their future by purchasing investment
properties in desirable locations. They can enjoy the lifestyle they desire, but also generate passive income through renting their properties.
“It’s time for this generation to break free from the renting myth and take advantage of the opportunity real estate ownership offers. You have to pay to live somewhere, you might as well pay yourself,” says Frere.
More importantly, owning real estate can change the outcome of generational wealth.
He says, “After practicing real estate for more than 20 years, it is shocking to me to learn that the only asset many people of retirement age have is the equity in their home. For some, it is the only thing they have besides social security.”
So, what is going to happen to those who never buy a home? Sadly, it may create a financial burden on their families. Without the equity that comes with homeownership, many seniors may struggle to afford the care they need for assisted living or nursing home care. This is why owning a home is not just a symbol of stability, but also a blessing that can allow them to live the rest of their life comfortably.
The real estate market has been a rollercoaster ride over the past 18 months, with interest rates rising and multiple home offers causing frustration for many home buyers. As a result, many potential buyers have put their dreams of homeownership on hold and have chosen to rent instead. Regardless, with stable interest rates and leases coming to an end, pent-up demand will be unleashed on the Tulsa real estate market.
“With stable interest rates and leases coming to an end, pent-up demand will be unleashed on the Tulsa real estate market.”
With the help of a trusted real estate agent, buyers and sellers can navigate through the challenges and opportunities the real estate market brings and make the best financial decisions for both.
“This is an exciting time for the Tulsa area real estate market and buyers should act quickly to take advantage of the current conditions. Don't let this opportunity pass you by,” says Frere.
The Brian Frere Real Estate Team is located at 4745 E 91st St, Suite 100 in Tulsa OK 74137. For more information visit briansellstulsa.com or contact Brian at 918-298-6900.
YOU ONLY GET ONE RETIREMENT
Retirement marks the culmination of years of dedication, perseverance and sound financial choices. It's often envisioned as a period of relaxation, exploration and deep connection with family and friends. However, this dream doesn't just manifest. It necessitates forward-thinking and detailed planning, regardless of one's financial status. Amid global economic changes, evolving life expectancies and intricate tax systems, an all-encompassing and strategic retirement plan is more crucial than ever.
A key element of effective retirement planning is diversifying your income sources. While staples like 401(k)s or IRAs are foundational, it's equally important to branch out. Dividend-bearing stocks can provide regular dividends, bonds offer both periodic interest and principal return and real estate, whether directly or indirectly owned, has potential for both rental income and value growth. Private investments can also yield passive income and impressive returns.
Tax considerations significantly influence retirement strategies. Each financial action, from asset sales to account withdrawals, can carry tax consequences. Knowing these details can greatly influence one's overall retirement income. Tactics such as Roth IRA conversions can help distribute tax liabilities over time, allowing for tax-free withdrawals later on. Using strategies like tax-loss harvesting can balance out capital gains, ensuring proactive steps to reduce tax impact.
Annuities have long been recognized as a popular retirement income source. An annuity is essentially a financial contract that can
offer a steady and predictable income, with options that might even extend to lifetime payouts. Available in varieties like fixed, variable and indexed, they often come with tax advantages. However, retirees should also be aware of certain drawbacks. These might include fees and expenses, issues around liquidity, and potential concerns related to inflation.
Delving into the world of Alternative Investments, retirees can consider assets such as hedge funds, private equity and real assets, among others. These investments may promise higher returns and provide diversification away from traditional stocks and bonds. However, the complexities of these investments mean they often come with challenges like illiquidity, higher fees and the need for a thorough understanding of the investment itself.
Delaware Statutory Trusts (DSTs), while not familiar to everyone, can be a potential retirement income source. Historically rooted, DSTs offer a form of passive real estate investment, which can lead to regular distributions. They also open doors to 1031 exchange possibilities, offering tax deferral benefits. But, just like any other investment, DSTs have their limitations, notably the lack of liquidity and the heavy reliance on trust management.
Introduced by the Tax Cuts and Jobs Act of 2017, Qualified Opportunity Zones (QOZs) were designed to spur economic development. Investing in these zones can lead to deferral, reduction and even the potential elimination of certain capital gains taxes. However, they often require a long-term investment horizon, and retirees must be well-versed with the specifics of the chosen opportunity zone.
“USING STRATEGIES LIKE TAX-LOSS HARVESTING CAN BALANCE OUT CAPITAL GAINS, ENSURING PROACTIVE STEPS TO REDUCE TAX IMPACT.”
Rental Income remains a favorite for many looking for consistent returns. Whether through direct property ownership or Real Estate Investment Trusts (REITs), real estate can offer passive income, tax benefits and appreciation. Yet, the responsibilities tied to property management, the uncertainties of market fluctuations and other associated costs must not be ignored.
The backbone of many retirement plans, Social Security Income, provides a safety net for millions. Established with the intent of financial assistance, the amount one receives depends on various factors. There are also strategies retirees can employ to maximize these benefits, such as deciding on the optimal time to claim or considering the implications of working while receiving benefits.
Beyond the immediate realm of retirement, estate planning emerges. This encompasses not just post-retirement arrangements but also asset distribution for future generations or charitable endeavors. Regularly reviewing wills, trusts and beneficiary designations ensures alignment with changing circumstances.
Philanthropy seamlessly integrates with retirement plans. Beyond fulfilling a personal mission to give back, it also carries financial benefits. Using instruments like donor-advised funds or charitable trusts lets individuals make impactful societal contributions while enjoying tax advantages.
You only get one retirement. In the ever-evolving world of finance, staying updated and flexible is essential to ensure the continued relevance and efficiency of one's retirement strategy.
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.
APRIL 2024
APRIL 4TH
10114 S Sheridan Rd, Tulsa, OK 74137 | 11:00 AM
This is a popular Children's Storytime with Miss Carol Meyer, Tulsa's finest kids entertainer. Carol leads the kids in music and storytelling each week for 30 minutes of great active fun for the little ones. Every Thursday at 11 am. tulsatoydepot.com
APRIL 9TH
201 N ELGIN AVE TULSA, OK 74120 | 7:00 PM
See the Tulsa Drillers in action as they start their 2024 season in a game against the Arkansas Travelers. View the entire schedule and purchase tickets at tulsadrillers.com
APRIL 12TH
Tulsa Town Hall: Dawn Porter
TPAC, 110 E 2ND ST TULSA, OK 74103 | 10:30 AM
Dawn Porter has emerged as a leader in the art of documentary storytelling. Her work has been featured on HBO, Netflix, CNN, PBS and more. Porter co-directed and produced the mental health documentary series “The Me You Can’t See,” which features interviews with Oprah Winfrey, Prince Harry, Lady Gaga and Glenn Close. Purchase tickets at tulsatownhall.com
APRIL 19TH
4131 S SHERIDAN RD TULSA, OK 74145 | 6:30 PM
This is a fun, relaxed atmosphere where you can be creative and express yourself. Enjoy this event solo, with friends or family, discovering the art of stained glass and design. Make and take home a beautiful leaded stained glass suncatcher-type (hanging) project OR a stained glass mosaic in this fun 3-hour event. Buy tickets and see the full class schedule at tulsastainedglass.com
APRIL 20TH
2727 S ROCKFORD RD, TULSA, OK 74114 | 10:00 AM
Celebrate Earth Day at Philbrook! Expand your knowledge of bees and the beneficial impact they have in your home garden. Afterward, pollinator-friendly crafts and activities for all ages will help you attract pollinators to your own patch of nature, no matter how big or how small. For more information, visit philbrook.org
APRIL 27TH - JUNE 2ND
Oklahoma Renaissance Festival - Your gateway to another world
3400 W Fern Mountain Rd, Muskogee, OK 74401
Join the festivities of the Oklahoma Renaissance Festival. Step back into 1569 England to experience the royal quest for knighthood, a full-contact Jousting Tournament, Birds of Prey exhibitions and traveling Acrobats! Each weekend is a different theme to honor the visiting Kings. Food and drink, 13 stages with acts and music, 140+ artisans and much more. April 27th - June 2nd. okcastle.com