Yorba Linda, CA April 2024

Invest

Investment, in its essence, is the commitment of time, effort, energy, or finances to a specific endeavor with the anticipation of a valuable outcome. Within the pages of Lifestyle, we explore diverse avenues of investment that extend beyond financial portfolios.

From our communities to personal relationships, finances, business ventures, and, notably, ourselves, the act of investing is a thread that weaves through every aspect of our lives. Financial investments create wealth, meet long-term goals, and secure our future; while business investments are crucial to success.

Our personal well-being is equally vital. Investing in health, fitness, and wellness is an investment in our most valuable asset – ourselves. The importance of making ourselves look and feel our best.

Investing in our families and witnessing the growth of our children is a profound joy. The pride derived from their development is unmatched, and the simple joys they bring are of endless value.

In this issue, we delve into ways to invest in supporting local businesses, nurturing ourselves, managing finances, growing our businesses, and prioritizing health and wellness. Our goal is to provide insights that inspire positive impacts and tangible results.

Thank you for reading Lifestyle. I hope the content resonates with you and encourages a mindset of investment that extends beyond financial gains. Here's to making meaningful investments in all aspects of our lives.

I look forward to seeing you around town!

BRIAN PATCHETT, PUBLISHER @YORBALINDACITYLIFESTYLE

business monthly

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CONTRACTS FOR SUCCESS

LEGAL FORTIFICATION: GUIDING BUSINESSES FOR LONG-TERM FINANCIAL RESILIENCE AND GROWTH

ARTICLE BY HEATHER WHITSITT PHOTOGRAPHY BY COREMEDIA PHOTOGRAPHY

If building a bright financial future is important to you, consider making smart money moves when it comes to investing.

Anthony Dispoto, Principal Attorney of The Law Office of Anthony J. Dispoto, Esq., known as “The Contracts Attorney,” in Orange County, specializes in teaching clients to make sound business investments.

“I focus on the importance of investing in your business through protecting your business. Creating formal business structures and drafting strong contracts is the best way to keep yourself protected.,” he says.

With his expert guidance and wealth of knowledge, Anthony takes a personalized approach to advising clients.

“If you invest and spend all your time building your business or real estate profile, you don’t want to lose everything in one wrong move. Many of my clients hire me to keep their assets protected. If a client owns a lot of real estate, they usually place their real estate into one or more LLCS. If they own a business or businesses, they usually have one or more business structures to keep their personal and business assets separate.”

“The Contracts” Attorney, Anthony lives up to his name by offering contract review and drafting services for all kinds and variants of contracts including, but not limited to, Business Formation contracts, Corporate documentation, Buy/Sell contracts, contract review, negotiation and drafting, Mergers and Acquisitions contract, and Loan contracts (secured and unsecured), just to name a few. Anthony also offers general consultation and advice

services for those who have questions about other aspects of their business.

Anthony’s nine years of experience in transactions practice affords him the ability to share successful strategies for business owners to make the most of their money—now and in the future.

“Another great use of legal services as an investment is to provide more certainty in your business’s future, thereby preventing the need for more expensive legal services later on. Setting up your business properly and establishing your business planning early can prevent future disputes among your business partners. Additionally, putting a Buy/Sell agreement in place between you and your partners can help you prevent any valuation disputes in the future in the event of untimely disability or death.”

As the sole employee in his practice, it’s important for Anthony to remain very client-focused by providing consistent, open communication with his clients.

“I’m a true solo, and I only take on as much work as I can handle,” he says. “I’m very focused on my core areas of concentration and often refer work to colleagues that are more specialized and dependent on my clients’ needs. I am committed to obtaining the best legal representation for my clients, even if that is not me.”

When he’s not at the office, Anthony enjoys spending time with his family, and dogs, and traveling as much as possible.

Anthony invites prospective clients to schedule a free consultation. “Check out my online reviews to see what my clients have to say!”

"Fitness: Invest in Yourself"

ARTICLE BY HEATHER WHITSITT

There’s no question that your health is your greatest asset. Why not do whatever it takes to be as healthy, strong, and confident as possible?

At No Limit Personal Training, clients can take charge of their fitness and well-being with the highest-quality personal and group training services in the area.

“The most important investment anyone can make is in their health. Whether it be investing time daily, or money for a trainer or gym, without your health, you are decreasing the time you have with your loved ones,” says NLPT Client Services Manager Malarie Murphy.

“We believe that every individual who walks through our door is important. It’s our job to help them succeed in

"UNLOCK YOUR POTENTIAL:  TRANSFORM YOUR LIFE THROUGH PERSONALIZED FITNESS, NUTRITION, AND MINDFULNESS”

“OUR EXPERTISE IS FITNESS AND NUTRITION, MEETING EACH MEMBER WHERE THEY ARE TO HELP THEM NOT ONLY REACH BUT EXCEED THEIR HEALTH AND FITNESS GOALS.”

their fitness journey. Our team goes above and beyond to create genuine relationships with our members, and we work together to create a welcoming community where everyone feels encouraged to become their best selves. We’re the kind of gym where everyone knows your name and genuinely wants to see you win.”

In addition to providing clients across Orange County with a supportive, inviting environment where they can take the next step on their fitness journey with SemiPrivate Personal Training, Group Fitness workouts, and even Elite Youth Sports Performance Training, their Private Nutrition Coaching also allows members to create healthier habits to build a more sustainable lifestyle with long-lasting, attainable results.

“Our vision is simple—we want to help busy adults get stronger, live longer, and feel better in a welcoming community where everyone feels like family. They say if you don’t make time for your health, you will be forced to make time for your illness. We are all only given one body, and it is our responsibility to take care of it to live a long, healthy life. Our inspiration is to leave every person who comes through our doors in better shape than when they first came in. We are focused on saving one life at a time.”

No Limit Personal Training has something to offer everyone, regardless of your current fitness level—or lack thereof.

“Whether you’re a beginner or a fitness enthusiast, our programs are designed to meet your specific needs and help you achieve your goals. You’ll have access to accountability, support, and guidance every step of the way, ensuring that you stay motivated and on track.”

With an array of programs formulated to level the fitness playing field for anyone interested in getting their health and physical fitness on track, it’s apparent that the NLPT team is invested in creating a customized, unique plan for each and every client.

NLPT’s solid track record of success is illustrated by everything they have accomplished within their community of satisfied clients over the past decade and a half.

CONTINUED >

Sako and his family

NO LIMIT PERSONAL TRAINING

For No Limit Personal Training President/ Founder Sako Yakinian, personal training isn’t just a profession—it’s a testament to the potential within us all. As a devoted husband and proud father of two beautiful girls, Sako stays grounded by his strong faith and commitment to his family.

Now in business for 15 years, No Limit Personal Training began with workouts in the park with Sako. In 2011, he opened NLPT in Placentia. Since then, NLPT has evolved into the amazing gym community it is today. “Our expertise is fitness and nutrition, meeting each member where they are to help them reach—and exceed—their health and fitness goals.” NLPT’s core values are Professionalism, Integrity, Service, Family, Teamwork, and Fun, with a HUGE emphasis on Service. Rooted in the principles of hard work, discipline, and unwavering belief in oneself, Sako champions the idea that with the right mindset, the sky’s the limit.

“With 15 years of service to our community, we have helped thousands of people achieve their goals like losing weight, gaining muscle, improving balance and mobility, or improving their overall health. If you are looking for a gym where the coaches genuinely care about your success and are committed to leaving you better off than you were before, and a community of amazing members who will support you along the way, then No Limit Personal Training is the right place for you.”

As an additional reflection of their commitment to building a strong sense of community, the NLPT team also supports special charitable organizations in the area.

“We work closely with ABC Hopes and My Day Counts, and they are near and dear to our hearts. ABC Hopes’ mission is to empower persons with intellectual disabilities to contribute to society in a positive manner by giving them opportunities that develop their social, physical, and educational/life skills. So, on Thursdays, our Coaching Director, Coach Briana Takanabe, holds a workout for those with intellectual and physical disabilities. We also partner with ABC hopes for their annual Row-a-Thon which raises money for local families and charities in need.”

To find out more about the wonderful work done by ABC Hopes, please visit www.abchopes.com. To learn more about the mission of My Day Counts, please visit mydaycounts.org

For anyone interested in giving No Limit Personal Training a try, they offer one free Personal Training session, called a First Experience Session. This is great for those looking for accountability, guidance, and an individualized plan specific to their goals. For those who are interested in Group Training, we have a 14-day Unlimited Group Training Trial for only $29. This is a great way to try out our workouts and see if we are a good fit for you. Both trial options can be found at www.nolimitpt.com or also text or call 714909-1203 for further assistance.

RUG ELEGANCE MASTERY

"Preserving history through meticulous care. Expert cleaning, repair, and an exquisite collection of certified hand-knotted rugs."

SoCal Rug Masters is a family-owned business specializing in the art of fine rug cleaning, repair, and preservation to safeguard both the sentimental and financial value of your treasured rugs. With decades of experience and a dedicated team of experts, we take immense pride in delivering top-notch

"Preserving heritage, elevating spaces. SoCal Rug Masters - where tradition meets innovation, ensuring longevity and beauty for your cherished rugs."

area rug cleaning services to maintain and restore the beauty of your cherished pieces, exceeding customer expectations.

Our commitment to preserving the lifespan of your rugs is evident in our use of eco-friendly cleaning solutions, ensuring exceptional results without compromising the quality of precious antique rugs. We understand the unique requirements of different rug types—Persian, Oriental, Modern, Silk, Wool, and Viscose—employing tailored cleaning techniques for varying yarns and fabrics.

Identifying the rug type is crucial, considering the vast differences in construction among Persian, Oriental, Turkish, Antique, and Modern rugs. We emphasize the importance of choosing the safest and most effective cleaning methods to prevent damage, with only experienced, best-in-class rug cleaners performing this specialized work. Our pre-cleaning

inspection and testing ensure the correct cleaning method is applied, avoiding potential harm caused by incorrect methods or water temperature.

In addition to cleaning and preservation, our skilled artisans excel in repairing and restoring rugs of various materials, including wool, silk, and viscose, across styles ranging from traditional to modern and antique, accommodating assorted sizes.

Explore our inventory of over 2000 high-quality, hand-knotted rugs for sale, including Persian tree of life rugs, Kerman, Kashan, Tabriz, Sarouk, Farahan, Hamadan, Kurdish carpets, and oriental rugs from Pakistan and Afghanistan. Rest assured, our rugs are certified by specialists, guaranteeing authenticity and superior craftsmanship. If you cannot find your desired rug on our website, contact us for personalized assistance in finding the perfect piece for you. www.socalrugmasters.com

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"WEALTH LEGACY ARCHITECT"

"Guiding Generations Through Customized Estate Plans for Lasting Security, Peace, and Financial Tranquility."

ARTICLE BY HEATHER WHITSITT PHOTOGRAPHY BY COREMEDIA PHOTOGRAPHY

Joshua D. Ramirez, Esq.

Investing wisely with effective estate planning can safeguard your loved ones in your absence and achieve peace of mind.

According to Joshua D. Ramirez, Esq., LLM, of California Estate Planning Services, the word “Estate” can be used best to describe the most important aspects of forward-thinking investing.

EDUCATION:

Our firm takes a comprehensive approach to educating clients on the intricacies of estate planning, including Wills, Trusts, Powers of Attorney, and advance directives, highlighting their roles, advantages, and potential challenges. By doing so, we empower our clients to work seamlessly with their bankers, financial advisors, and accountants, fostering a collaborative and strategic path to estate management and legacy preservation.

SECURITY AND PEACE OF MIND:

We dedicate ourselves to safeguarding our clients' futures by protecting their assets and ensuring they and their families are provided for in alignment with our client’s wishes. Our approach underscores the critical value of proactive personal investment, offering not just legal solutions, but a foundation for lasting security and tranquility.

TRUST PLANNING:

We specialize in customizing trusts and estate plans that reflect our client's unique desires and situations, ensuring their legacy endures and assets are transferred efficiently.

AVOIDING DISPUTES:

We assist clients in investing in preventative strategies through their estate plans and family meetings to circumvent costly and emotionally taxing estate litigation.  Laying the groundwork now preserves financial resources and familial bonds.

TRANSFER WEALTH EFFICIENTLY:

We navigate clients through the intricacies of estate planning, ensuring the efficient transfer of wealth while minimizing capital gains taxes, estate taxes, and property taxes. Our strategic planning can safeguard beneficiaries' eligibility for public

benefits, shield them from creditors, and provide measures to prevent frivolous spending, ensuring legacies are preserved.

ENDURING PEACE OF MIND:

Our comprehensive estate planning services offer lasting peace of mind by meticulously preparing clients for the future, ensuring their and their family's interests are protected and well-managed,” explains Joshua.

California Estate Planning Services is a boutique law firm in Yorba Linda that, in addition to Estate Planning, specializes in providing Trust Litigation, Conservatorships, Probate, and Elder Law services to clients across Orange County. What does each of these areas of expertise encompass?

• Estate Planning includes Wills, Trusts, Powers of Attorney, and Healthcare Directives.

• Trust Litigation services are available should you need to contest a trust, its administration, or undue influence.

• Conservatorships are necessary when your parents need assistance and have lost the capacity to perform necessary planning.

• Medi-Cal Planning refers to assistance with Medicaid and comes into play when your loved one needs long-term care in a skilled nursing facility.

• Probate assistance is available to help if a loved one has passed away without proper planning in place or only a Will.

Joshua and the rest of the California Estate Planning Services team have worked diligently to establish a close-knit connection to the community they serve.

“We travel to clients’ homes or businesses. We have been doing this for 10 years! Doing a great deal of trust litigation makes us better planners [for our clients],” he says.

It’s clear that the community loves them back. With numerous awards and honors over the years, including being named “#1 Best Legal Services” and “Best of Yorba Linda” recipients multiple times, the trusted team at California Estate Planning Services shows no signs of stopping anytime soon.

ARTICLE BY HEATHER WHITSITT PHOTOGRAPHY BY COREMEDIA PHOTOGRAPHY

MAKE AN INVESTMENT IN RADIANT SKIN

PUT YOUR BEST FACE FORWARD AT SKIN NIRVANA MED SPA IN ANAHEIM HILLS, WHERE A REFRESHED, GLOWING COMPLEXION AWAITS YOU

Investing in your appearance is about so much more than what meets the eye.

It’s no secret that the key to looking great starts by feeling confident within—and at Skin Nirvana Med Spa, revealing your gorgeous, glowing inner beauty is well within reach.

“Self-care is a divine responsibility. Investing in your well-being radiates outward, which then positively impacts every area of your life, including the people around you.”

Dr. Richard S. Han

“One vital aspect of this self-investment journey is taking the time to prioritize selfcare, particularly when it comes to your skin.”

The Skin Nirvana team, led by Dr. Richard S. Han, is all about helping clients recognize the importance of prioritizing their health and well-being.

“In the fast-paced world we live in, where demands and responsibilities often take precedence, it's easy to neglect the most important asset you have – yourself. One vital aspect of this self-investment journey is taking the time to prioritize self-care, particularly when it comes to your skin. You are the most important investment and the dividends of radiant skin are boundless.”

Skin Nirvana offers a range of non-invasive treatments aimed at helping clients look and feel their absolute best. Clients can enjoy everything from facials, peels, and anti-aging laser treatments to weight loss treatments and injectables designed to lift/smooth/plump, and target wrinkles, or submental fat.

As they approach their 19th year in business, Skin Nirvana, one of the first leaders to emerge in the med spa community, continues to focus on putting exceptional customer service first.

“Our customer service is rooted in honesty and transparency through communicating openly about products and services. Our focus is on building strong, trusting, and sincere relationships. Delivering a higher level of skin care is our motto.”

“We are reputable for just plain being honest with our recommendations—and no hard sell. If we concentrate on being honest, then business naturally grows. We aim to be the preferred choice for premier Medspa.” CONTINUED >

“We plan to focus more on health, wellness, and mental state of mind. Mental stress has never been so detrimental to health.”

"Skin Nirvana’s commitment to fostering trusting relationships with their clients is apparent.

“Although we advertise, over 90% of our new business comes from our client referrals. Returning clients from New York, Idaho, Nevada, Hawaii, and beyond trust Dr. Han, exemplifying unwavering belief in his expertise and care."

Skin Nirvana has its sights set on continued growth in the future, with an emphasis on nurturing clients’ inner well-being as much as their outer beauty.

“We plan to focus more on health, wellness, and mental state of mind. Mental stress has never been so detrimental to health. Proper diet and weight management impact our physical and mental health. We have recently added a semaglutide weight loss program, and our clients are so much happier dropping the weight. Overall results offer a boost in confidence and improved mood, contributing to a more fulfilling life. We want to help clients recognize the connection between mental well-being and the health of their skin.  We are also planning to add exosome and stem cell therapy going forward.”

Interested in learning more about what Skin Nirvana can do for you? Discover treatment possibilities based on your individual concerns at your initial consultation.

Visit Skin Nirvana Med Spa and experience the skilled, prestigious level of care that sets them apart from the rest.

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.

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. 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.

“USING STRATEGIES LIKE TAX-LOSS HARVESTING CAN BALANCE OUT CAPITAL GAINS, ENSURING PROACTIVE STEPS TO REDUCE TAX IMPACT.”

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.

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.

ESTATE PLANNING AND PHILANTHROPY

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.

PHILANTHROPY SEAMLESSLY INTEGRATES WITH RETIREMENT PLANS. BEYOND FULFILLING A PERSONAL MISSION TO GIVE BACK, IT ALSO CARRIES FINANCIAL BENEFITS.

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.

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2024

A SELECTION OF UPCOMING LOCAL EVENTS events

APRIL 6TH

Hangar Talk and Flying Demo: Planes of Fame Air Museum

14998 Cal Aero Drive Chino, Ca. 91719-9085 | 9:00 AM

On Saturday, April 6, 2024, Planes of Fame Air Museum presents another in our series of Hangar Talk events along with our monthly Flying Demo. The Museum will be featuring the  North American P-51D 'Mustang'. Food trucks on-site, our re-enactors and Museum Guides, and fun stuff for our youngest visitors. A great way to spend the day for the whole family.  www.planesoffame.org

APRIL 6TH

Morning Meditation

Olinda Conference Room  4852 Lakeview Ave Yorba Linda, CA 92886 | 9:00 AM

Start your week more relaxed and focused with a heartfulness-guided meditation session with a heartfulness guide. Join us for rejuvenating yoga sessions every Saturday at the Yorba Linda Public Library, tailored for adults seeking relaxation. April 6th, 13, 20 and 27th. From 9 am - 10 am.

APRIL 6TH

The Yorba Linda Farmers Market

Calvary Chapel 18821 Yorba Linda Blvd., Yorba Linda, CA 92886 | 9:00 AM

Discover the freshest local produce at The Yorba Linda Farmers Market! The Yorba Linda Farmers Market will feature locally grown produce, a variety of prepared foods, crafts, and informational booths. Support local farmers, and enjoy a vibrant community atmosphere at this weekly market on Satur-

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days in the parking lot of Calvary Chapel. 9 AM-1 PM. April 6,13,20, and 27th.

APRIL 6TH

Read Locally:Local Author Festival

Yorba Linda Public Library: 4852

Lakeview Avenue Yorba Linda | 2:00 PM

Celebrate local writers and read locally with the Yorba Linda Public Library’s annual Local Author Festival. Enjoy a meet and greet with local authors representing a variety of genres and enjoy short readings. There will be an opportunity to purchase titles and author signings. This event is sponsored by the Friends of the Yorba Linda Public Library. From 2 pm - 4 pm.

APRIL 20TH

Mindfulness Expo Event

Anaheim Convention Center 800 W Katella Anaheim, CA 92802 | 10:00 AM

Experience a day of self-care and personal growth at the Mindfulness Expo! Yoga classes, sound baths, workshops, and exhibitors promoting mindfulness and wellness. Discover new techniques for reducing stress, improving wellness, and cultivating a positive mindset with like-minded individuals. Customize your schedule with no additional fees. Mark your calendars and buy your tickets now. From 10 am - 5 pm.  mindfulnessexpo.com

APRIL 26TH

Mind Your Brain: Cognitive Strength at Any Age

4501 Casa Loma Ave. Yorba Linda, CA 92886 | 12:30 PM

Interested in strategies for keeping your brain stronger for longer? Based on the latest research from the Cleveland Clinic; learn about the six pillars of brain health, age-related changes in memory and learning, possible risks and threats to brain health, and practical steps to protect your brain health and lower your risk of cognitive decline. 12:30 pm - 1:30 pm