When it comes to premier real estate in Sandpoint, Paul & Jolena are the trusted experts. As top-producing agents and part of the exclusive Christie’s International Real Estate network, they offer unmatched global exposure, elite marketing strategies, and access to high-net-worth buyers worldwide. With deep local knowledge and an extensive luxury network, Paul & Jolena specialize in showcasing Sandpoint’s finest properties—from stunning lakefront estates to private mountain retreats. Their proven track record, personalized service, and Christie’s connection ensure that your home is marketed to the most qualified buyers, maximizing your property’s value. Call today to elevate your buying or selling experience with North Idaho’s top luxury real estate experts.
EXECUTIVE DIRECTOR | Steve Russo MANAGING PARTNER | Kim Russo
CONTRIBUTORS
Edward Jones Financial Advisor Caleb Bowman, The Bonner County Historical Society & Museum
PHOTOGRAPHY
Photographers: Rebecca Miller Photography pg. 1, 14, 16
Courtesy Photos: Bonner County Historical Society & Museum
At Neuropathy Center of Idaho in Intermountain Wellness of Sandpoint, Idaho, we offer an all-natural, cutting-edge, EFFECTIVE treatment for neuropathy! Our treatment does not simply mask the symptoms. Instead, our program works to treat the actual cause of neuropathy symptoms and works to reverse it! Our thorough 8-point sensory exam is the most comprehensive in the area, designed to accurately diagnose neuropathy, assess its severity, and measure the extent of nerve loss. We have already helped so many neuropathy patients regain their quality of life and LIVE MORE PAINFREE. We would love to help you or your loved one as well!
Why Choose Nedra?
BEST-IN-CLASS MARKETING
Bringing her background in journalism and public relations to every interaction, Nedra provides not only her expertise in marketing but pricing strategy, negotiation, strong communication skills, and showcasing properties with bestin-class marketing and luxury branding.
100% ATTENTION
When you work with Nedra, you get her 100% commitment. She’ll answer your messages and calls promptly, and connect with you on all showings. Your home isn’t just another listing to her. She wants to see you to the finish line and won’t stop until that happens.
PROVEN PERFORMANCE
Nedra is a highly successful real estate agent with a proven track record of selling multimilliondollar homes, as well as cozy family homes and beautiful land in North Idaho. Her dedication to providing exceptional service has earned her a reputation as a trusted advisor in the luxury real estate market.
NEDRA KANAVEL ASSOCIATE BROKER
511 University Park Way
EXPANSIVE VIEWS WITH PREMIUM PERIMETER LOCATION
No need to wait for this premium perimeter lot home with big Schweitzer views and a massive outdoor living space. Now priced $100K below its 2024 purchase price! Valued at $50K+ above other Plan 3 homes and loaded with almost $100K in upgrades including luxury appliances, window coverings/shutters, hardscaping, landscaping, Crusher Cone Fire Pit and more. This exceptional 4-bedroom, 3.5-bath modern retreat is ready for you. Built in 2024 and impeccably maintained, this 2,537 sq ft home offers luxurious living on a beautifully landscaped 0.19-acre lot with breathtaking mountain and territorial views. Step inside to a light-filled, open-concept main level that blends comfort and sophistication. The kitchen is a showstopper, featuring a large quartz island with eat-up bar seating, high-end stainless appliances, a gas range, a microwave with air fryer capability and a custom deep teal finish that adds a bold pop of color. Enjoy meals with a view from the adjacent dining space or gather around the cozy gas fireplace in the great room — perfect for relaxing or entertaining.
On the main level, you’ll find a luxurious primary suite with walk-in closet and a spa-inspired bath, as well as a home office/studio. Upstairs, discover a spacious loft, three additional bedrooms and two full bathrooms. The home also boasts LVP flooring, smart thermostat, central air, and elegant finishes throughout. Outside, you’ll fall in love with the meticulously designed backyard oasis. Paver pathways wind through lush lawn to a private seating area framed by mountain views and mature trees. Whether dining al fresco on the patio or roasting s’mores around the fire pit, every moment feels like a getaway. Additional features include a 2-car attached garage with 220v hook up, front and back sprinklers, and fiber cement siding. Conveniently located near parks, schools, and downtown Sandpoint — this home is a true gem!
The real meaning of diversification in investing
n the world of investing, we’ve all heard the phrase, “Don’t put all your eggs in one basket.” It’s solid advice that emphasizes the importance of diversifying your investments. Unfortunately, some people misinterpret this wisdom to mean they should avoid consolidating their investment accounts and keep their money spread across multiple financial institutions, often working with several different financial advisors.
However, when financial professionals talk about diversification, they’re referring to diversifying your investment assets, not your accounts. There’s a big difference between the two, and confusing them could hurt your financial future.
Scattered accounts may affect costs, paperwork and advice. When your assets are spread among multiple financial institutions, you could face several drawbacks. First, you’re likely paying more in fees than necessary. Multiple providers often mean multiple account fees, transaction costs and mutual fund expenses that can add up quickly. Generally, the more assets you have with one financial provider, the more opportunities you have for reducing or eliminating these costs.
Managing scattered accounts could also create a paperwork nightmare. You’ll receive multiple monthly statements and numerous tax forms, making it much harder to see the big picture of your financial health. This complexity can lead to missed opportunities and poor decision-making.
Perhaps most importantly, working with multiple financial advisors may result in conflicting advice and duplicated investment strategies. Without a comprehensive view of your entire portfolio, each financial advisor may recommend investments that don’t work well together, potentially delaying your progress toward reaching financial goals.
There’s strength in consolidation. Consolidating your accounts with a single financial advisor offers numerous benefits. You’ll have opportunities to develop a closer, more comprehensive relationship with someone who understands your complete financial picture.
This financial advisor can provide informed guidance and help eliminate the conflicting advice that may come from working with multiple professionals.
Consolidation also makes it easier to implement a well-diversified portfolio that fits your level of risk tolerance. When all your investments are in one place, you can see exactly how your assets are allocated and make strategic adjustments as needed. It becomes simpler to gauge aggregate investment returns, assess your portfolio assets and rebalance when necessary.
For retirement planning, consolidation can be especially valuable. IRAs at different providers can be consolidated at any time without tax consequences when assets are transferred directly between providers. When you retire, your 401(k) can typically be rolled over into an IRA, streamlining your retirement income strategy.
True diversification still matters. While consolidating accounts makes sense, diversifying your actual investments remains crucial. A good financial advisor will help you carefully build a balanced mix of stocks and bonds appropriate for your age and goals. As you approach retirement, you typically shift toward a more balanced portfolio that still provides growth to combat inflation while offering stability and income.
Diversification goes beyond just stocks and bonds. Take bonds, for instance: You can diversify by bond type (municipal, corporate and government), bond maturity (through a strategy called “laddering”) and bond sector to spread risk across different parts of the economy.
How to get started. If your retirement savings and investment accounts are scattered among various financial institutions, consider consolidating everything with one trusted financial advisor. The streamlined recordkeeping, potential for reduced fees and comprehensive financial guidance can help improve your wealth-building potential while making your financial life simpler to manage.
This article was written by Edward Jones for use by your local Edward Jones Financial Advisor Caleb Bowman
Mire
CMG
For Travis Mire, helping families achieve homeownership is both personal and rewarding. As a lifelong Sandpoint local, husband, and father, he brings genuine care and community understanding to every client relationship. Through CMG’s innovative programs, he’s making the mortgage process clear, efficient, and tailored to each homeowner’s needs.
Q&A
Q.You’ve called Sandpoint home for most of your life. What makes this community such a special place to live and raise a family?
Sandpoint has always been home — it’s a special place. It’s because of the people and how connected everyone is. You know your neighbors, your kids’ teachers and coaches, and the folks running the local businesses. At the heart of it, we all support one another. Growing up here, that kind of community shaped me, and now my wife Jessie and I get to see our kids, Brecken and Cooper, experience the same. Between the small-town values, the natural beauty, and the support for families, there’s just no better place to live and call home.
Q.What inspired you to pursue a career in the mortgage industry back in 2013, and what keeps you passionate about it today?
I never expected to end up in mortgage. What started as an opportunity has grown into a career I truly enjoy. It’s allowed me to provide for my family while helping others reach their homeownership goals. The ability to help people in our community - and those joining it - is what keeps me passionate about the industry.
Q.The Sandpoint area has a mix of first-time buyers, retirees, and second-home owners. How do you tailor your approach to meet the needs of such a diverse client base?
Sandpoint’s housing market is as diverse as the people who live here, from lifelong locals to those drawn to the area for its beauty and small-town lifestyle. I take the time to get to know each customer, understand their goals, and structure a loan that fits their needs. Every transaction here feels personal; it’s more than just a loan. Most of the people I work with are friends, neighbors, or folks I’ll get to know, and that makes it personal to me.
Q.CMG Home Loans takes pride in offering more than traditional mortgages. What sets CMG apart from other lenders in the industry?
CMG is built on innovation and a customer-first mindset. We offer programs that go beyond traditional lending - like our All-In-One line of credit, HomeFundIt, and List & Lock - all designed to give clients more flexibility, control, and real financial advantages. What I appreciate most is CMG’s commitment to finding solutions that address real challenges in today’s market and create opportunities where others might see limits.
Q. Technology has changed the way people approach home financing. How does CMG use modern tools to create a smoother, more personal client experience?
CMG’s technology makes the process faster and easier - customers can apply, upload documents, and track progress right from their phone or computer. What I appreciate most is how it complements, not replaces,
personal connection. I stay in touch throughout the process, whether it’s a quick call or text, so clients always know where things stand. It’s the best of both worlds.
Q.CMG offers innovative programs like HomeFundIt and the AllIn-One Loan. How do these options empower homebuyers and make financing easier?
Programs like HomeFundIt and the All-In-One line of credit were created to solve real challenges customers face in today’s market. HomeFundIt allows buyers to crowdfund their down payment through friends and family - a simple, transparent way to make homeownership more attainable. The All-In-One line of credit helps customers use their income more efficiently to reduce their balance faster and lower interest, all while keeping access to their money when they need it. Both programs offer flexibility and control that make a real difference in today’s world.
Q.What do you enjoy most about guiding first-time homebuyers through the process, and how do you help them feel confident from start to finish?
First-time homebuyers can be some of the most enjoyable and rewarding transactions. I remember buying my first home and watching friends and family do the same. It’s a big deal, and it feels different. There’s so much excitement and emotion involved, and I enjoy helping guide people through that experience. It’s about making sure they understand each step, feel supported, and can truly enjoy the moment when they get the keys to their first home.
Q.When you’re not helping families find their dream home, where might we find you around town or outdoors with your family?
When I’m not in the office, Jessie and I spend most of our time focused on family and the kids’ activities - basketball, soccer, and music. That’s usually where you’ll find us, whether we’re in a gym, on a field, out on the lake, or spending time with family and friends here in Sandpoint. It’s busy, but we wouldn’t have it any other way.
212 N. 1st Ave., Suite 103, Sandpoint, ID 208.290.6607
CMGHomeLoans.com/mysite/travis-mire
American Veteran Advocacy:
FIGHTING FOR
THOSE
WHO FOUGHT FOR US
ONE VETERAN’S MISSION TO HELP OTHERS NAVIGATE THE VA courtesy of AMERICAN VETERAN ADVOCACY
Severalyears ago, Hans—a U.S. Veteran—found himself in desperate circumstances. Living on the East Coast, he tried to navigate the Veterans Affairs (VA) system for the help he urgently needed. He turned to his local Veterans Service Officer (VSO) but was told his situation was too complicated and that he should find someone else. Hoping for better support, he reached out to several major Veterans Service Organizations—only to be met with silence. Not one returned his calls.
Eventually, Hans secured an appointment with a state Veterans Service Officer and believed he was finally on the right track. But during the meeting, the officer barely glanced at the paperwork Hans had brought. That experience made something clear: there was a critical need for competent, dedicated advocates willing to help Veterans navigate the VA’s red tape.
Through a friend, Hans connected with a VA Accredited Agent. Though she couldn’t take him on as a client due to her workload, she stepped in as an advisor. Her guidance was crucial in helping Hans secure the support his family needed.
That experience lit a fire in Hans. He became a VA Accredited Agent—one of only three in Idaho and roughly 500 in the entire country. He went on to found American Veteran Advocacy (AVA), where he now runs daily operations.
AVA is based in Sandpoint, Idaho, but serves U.S. Veterans worldwide. AVA helps Veterans with all stages of the VA disability compensation process, whether it’s an initial claim, a Veteran’s first denial, or an appeal a Veteran has been fighting for years. AVA is a specialist in VA disability compensation, and that’s all they do.
What also makes AVA unique is its additional focus on Veterans with severe traumatic brain injuries (TBI), and those eligible for Special Monthly Compensation (SMC)—benefits awarded to Veterans deemed more than 100% disabled. Hans chose to also specialize in SMC because these are often the most desperate cases. Many of the Veterans he serves suffer from terminal or severely debilitating conditions.
Understanding eligibility for SMC can be confusing, so Hans created a simplified “cheat sheet” to help Veterans determine if they may qualify. Veterans typically eligible for SMC have one or more of the following service-connected conditions:
• Multiple missing limbs (or portions of limbs) or loss of use of multiple extremities from conditions like Parkinson's or Diabetes II w/peripheral neuropathy, or;
• In need of the regular aid and attendance of another for assistance with activities of daily living such as bathing, dressing, eating, toileting, medication management, etc. because of a serviceconnected physical or mental condition (this includes if the Veteran needs the aid and attendance of another because they are a threat to themselves or others), or;
• 5/200 visual acuity or less bilaterally, or;
• Significant residuals from a traumatic brain injury (TBI) that result in the Veteran needing assistance with activities of daily living, or;
• Permanently bedridden, or;
• Paraplegia
Other conditions that could be a good basis for SMC if they result in the Veteran needing assistance with activities of daily living or loss of use would be ALS, ischemic heart disease, interstitial lung disease, multiple sclerosis, muscular dystrophy, COPD with oxygen, any cancers, and severe PTSD or other similar major disorder. That list is not exhaustive; it is just a list of the most common qualifying conditions. These conditions would need to be related to the Veteran's military service and service-connected to qualify.
As a VA Accredited Agent, Hans serves as a legal advocate for his clients. Many Veterans come to AVA after making little progress elsewhere. “Veterans seek help from AVA when they need a specialist—someone who can take a more surgical approach and dedicate significantly more time and attention to helping the Veteran develop and win their claim or appeal,” says Hans.
Working with a VA Accredited Agent has distinct advantages. “I have remote access to the VA’s electronic records system (VBMS), which allows me to see everything in a Veteran’s record—including the evidence the VA uses to make decisions and any documentation they may have missed,” Hans explains. “I also have resources within the medical community to help Veterans gather the needed evidence. This is often the biggest hurdle, as some VA medical providers won’t help document support for disability compensation, even though
they’re permitted to do so. If a case goes to the higher levels of the appeals process, for instance, to the Board of Veterans Appeals (BVA), some advocates have to pass the case on to someone else. That doesn’t happen with AVA.”
Hans shared one current case: “There’s a Veteran I’m helping who lost his short-term memory after a suicide car bomb explosion in Iraq. He suffered a traumatic brain injury and has severe PTSD. He worked with other organizations for years without progress—and even had some of his benefits unfairly taken away. Because of his memory issues, he needed someone to walk with him step by step, help gather evidence, and build a strong case. That’s exactly what we’ve done. I met with him and his wife, sorted through thousands of pages in his VA Claims File, and created a plan. Now, we’re moving forward. He gave everything for our country, and his family has endured enough. I’m doing everything I can to make sure they get the support they deserve.”
Starting AVA wasn’t without its challenges. “The hardest part has been outreach—letting Veterans know we exist and that there’s help available,” Hans says.
He adds that community support can make a big difference. “Telling Veterans about American Veteran Advocacy and sharing our website online and on social media is a huge help. I also started an AVA Facebook and Reddit page earlier this year to help spread the word, which could use some likes, followers, and shares. Some local nonprofits have listed us on their websites, and a few businesses have put up flyers. I’m always open to more ideas, so don’t hesitate to reach out if you can help.”
“This work is so rewarding,” Hans continues. “I really just enjoy helping people—especially fellow Veterans. You’ve got to be relentless and persistent if you want to get anywhere with the VA. Relentless and persistent is AVA in a nutshell.”
Veterans can connect with Hans by visiting AmericanVeteranAdvocacy.com, calling 208.627.9565, or following AVA at Facebook.com/AmericanVeteranAdvocacy and Reddit.com/ user/AmericanVeteranAdv.
gather by the FIRE FIRE
Making the most of your hearth at home
by LIKE MEDIA TEAM
As November settles in and the days grow short, there’s nothing quite like the comfort of firelight. Across the Inland Northwest, fireplaces, woodstoves, and fire pits aren’t just luxuries — they’re essentials that provide warmth, atmosphere, and connection during long, cold months. The hearth has always been the heart of the home, a place where families gather, stories are told, and warmth draws people together. Whether you’re tending an old woodstove, enjoying the ease of a gas fireplace, or circling up around an outdoor fire pit, your fire feature deserves some attention this season.
PRACTICAL CARE: SAFETY FIRST
Before lighting that first log, take time to ensure your hearth is safe and efficient. A chimney inspection should be at the top of your checklist. Over time, creosote builds up inside flues and becomes a fire hazard. Professional sweeps remove this buildup, keeping air flowing freely and lowering risk.
Woodstove users should check gaskets and seals, as worn parts can reduce efficiency and leak smoke into the home. Keep seasoned firewood — wood that has dried for at least six months — stacked neatly and covered. It burns hotter, cleaner, and with less smoke. Softwoods like pine are quick starters, but hardwoods like oak and maple provide longer burns.
Gas fireplaces also need attention. Inspect pilot lights, check vents, and replace batteries in remotes or carbon monoxide detectors. Even though they seem low-maintenance, these systems benefit from regular servicing to keep them reliable through winter.
DESIGNING AROUND THE HEARTH
Once the practical tasks are handled, the fun begins — styling your hearth so it feels like the natural centerpiece of your home.
INDOORS:
A fireplace or woodstove can anchor a living room when it’s framed with the right décor. Mantels look fresh when layered with a mix of textures: greenery, candles, or simple artwork. For a rustic feel, stack birch logs nearby in a woven basket. For a modern look, keep lines clean with a sleek screen and a single focal point like a large mirror or oversized art piece.
Comfortable, inviting seating is just as important as aesthetics. Arrange chairs and sofas in a semicircle to encourage conversation. Add thick throws and wool pillows for both function and style. Lighting matters too — warm-toned lamps or wall sconces soften the space and echo the glow of the fire.
OUTDOORS:
Fire pits extend the season for backyard living, even in November. Choose a setup that fits your space — from a simple steel bowl to a built-in stone circle. Surround it with durable chairs or benches, then add lanterns and string lights overhead for ambiance. Keep wool blankets in a basket nearby, and serve hot cider or cocoa to transform chilly evenings into memorable gatherings.
FIRESIDE LIVING: EVERYDAY USE
The beauty of a hearth isn’t just in how it looks, but how it’s used. Fires naturally slow the pace of life. Families can unplug from screens, share a board game by the fire, or swap stories before bed. For couples, a glass of wine by the fireplace turns an ordinary night into a retreat.
Cooking can even become part of fireside living. Cast iron skillets on a woodstove, marshmallows roasted over a fire pit, or even warming mulled wine in a small pot nearby, adds an old-world charm that’s both practical and fun.
For those who live alone, the hearth provides companionship in its own way. The crackle of wood or the steady hum of gas creates an atmosphere, light, and comfort that turns an empty house into a cozy refuge.
BEYOND THE FLAMES: CREATING ATMOSPHERE
Firelight sets the tone, but you can enhance the mood with a few thoughtful touches. Natural scents like cedarwood, clove, or orange peel simmering in a pot create layers of warmth. Beeswax or soy candles add glow without overpowering the fire. And don’t underestimate the impact of sound — a curated playlist of acoustic guitar, classical piano, or even soft jazz can heighten the experience.
In a season that often rushes toward holidays and busyness, fire has a way of reminding us to pause. It anchors us to place and time, encouraging slower evenings, warmer conversations, and deeper connections. Caring for your hearth, styling it thoughtfully, and embracing the rituals it invites transforms more than just a room — it shapes the rhythm of your home. This November, gather around the glow and let the hearth remind you what it means to feel at home.
Fireside Safety Checklist
• Schedule a chimney or flue inspection.
• Keep a fire extinguisher nearby.
• Store wood at least 20 feet from the house.
• Use a fireplace screen or glass door to block sparks.
• Test smoke and carbon monoxide detectors.
Wood-Burning Tips
• Burn only seasoned wood (6–12 months dried).
• Hardwoods (oak, maple) = longer, hotter fires.
• Softwoods (pine, fir) = faster starts, more crackle.
• Never burn painted, treated, or wet wood.
Outdoor Fire Pit Ideas
• Surround with pea gravel or pavers for safety.
• Add a few Adirondack chairs for classic comfort.
• Keep a Dutch oven handy for soups or stews.
• Create a “s’mores kit” basket for impromptu fun.
Real Estate
Estate
SANDPOINT, IDAHO
INVESTING WITH INTENTION
How real estate strategies create lasting wealth
by LIKE MEDIA TEAM
Real estate has long been considered one of the most reliable ways to build wealth, offering both stability and growth potential. Unlike stocks or other paper assets, real estate is a tangible investment that can generate income while appreciating over time. For investors focused on long-term gains, understanding the right strategies is key to maximizing returns while managing risk.
BUY AND HOLD: BUILDING EQUITY OVER TIME
The buy-and-hold approach remains one of the most common strategies for long-term investors. This method involves purchasing property—whether residential or commercial—and holding it for years while it appreciates. During that time, rental income can help cover mortgage payments, property taxes, and maintenance, while the property itself builds equity.
Over the long run, this strategy benefits from market appreciation and the amortization of the loan. For example, the Federal Housing Finance Agency’s House Price Index shows that U.S. home prices have increased an average of about 5% annually over the past several decades. While fluctuations occur, long-term trends have historically favored appreciation.
RENTAL PROPERTIES: GENERATING CASH FLOW
Rental real estate offers investors two advantages: recurring income and long-term value growth. Single-family homes, multi-unit properties, and even short-term vacation rentals can provide steady cash flow if managed correctly. Location, tenant quality, and maintenance play critical roles in determining profitability.
Effective property management is essential for long-term success. Investors who screen tenants carefully, keep properties well-maintained, and budget for vacancies or repairs are more likely to sustain positive cash flow. Over time, rent increases can further improve returns, especially in markets with strong job growth and limited housing supply.
YOUR SPECIALISTS IN REAL ESTATE
Jimy Black
Realtor®
208.255.6207
jimy@purewestid.com
Curating Exceptional Living in North Idaho
Rooted in North Idaho, Humble & Black Real Estate Group is built on trust, expertise, and a shared commitment to exceptional client service. Led by lifelong friends and business partners Jake Humble and Jimy Black, the team brings over 35 years of combined experience in real estate appraisal, development, and sales. Their deep understanding of the market, strategic approach, and strong client relationships have earned them a reputation for professionalism and results.
Together, the Humble & Black Real Estate Group offers a powerful blend of local knowledge, proven experience, and world-class marketing—supported by the trusted reputation of PureWest Real Estate and the global reach of Christie’s International Real Estate.
Whether buying or selling, clients can expect unmatched communication, market expertise, and dedication every step of the way.
Experience the difference of working with a team that knows North Idaho—and how to help you make it home.
jake@purewestid.com
We are proud to welcome North Idaho native, Keanon Naumann, to the team! Keanon is known as a superconnector with a true talent for building relationships and creating seamless client experiences. With deep roots in the North Idaho community and a background defined by detail, organization, and service, Keanon brings a personal touch to every transaction. He thrives on connecting people—not just to properties, but to the lifestyle and opportunities that make this region so special. Clients appreciate his transparent communication, market knowledge, and hands-on approach that ensures no detail goes overlooked.
Interested in a professional opinion on your home’s value or next steps
MEET Keanon Naumann
DIVERSIFICATION THROUGH REAL ESTATE INVESTMENT TRUSTS (REITS)
Not every investor wants the responsibilities of being a landlord. Real Estate Investment Trusts, or REITs, provide a way to invest in real estate without directly owning property. Publicly traded REITs allow investors to buy shares in companies that own and manage income-producing real estate, such as office buildings, apartments, or retail centers.
REITs offer liquidity, since they trade on stock exchanges, and they must distribute at least 90% of taxable income to shareholders, making them attractive for income-seeking investors. They also provide diversification across property types and geographic regions, reducing the risk tied to any single property.
1031 EXCHANGES: DEFERRING TAXES TO GROW WEALTH
For investors selling a property, a 1031 exchange can be a powerful tool for long-term wealth building. Named after Section 1031 of the Internal Revenue Code, this strategy allows property owners to defer capital gains taxes by reinvesting proceeds into another “like-kind” property.
While strict timelines and rules apply, the ability to defer taxes enables investors to roll gains into larger or more profitable properties, compounding growth over time. It’s a strategy widely used by experienced investors to scale portfolios while maintaining tax efficiency.
LEVERAGING REAL ESTATE FOR RETIREMENT
Real estate can also play a critical role in retirement planning. Rental properties can provide passive income, often with greater predictability than stock dividends. Some investors focus on paying off mortgages before retirement so that rental income becomes pure cash flow. Others may choose to sell appreciated properties to downsize or reallocate funds into income-generating investments like REITs or annuities.
In addition, owning your primary residence outright reduces housing costs, which are typically the most considerable expense in retirement. By carefully integrating real estate into a retirement strategy, investors can create financial stability and flexibility later in life.
MANAGING RISKS FOR LONG-TERM SUCCESS
While real estate can offer consistent gains, it is not without risks. Market downturns, rising interest rates, unexpected repairs, and tenant issues can all affect returns. Diversification—owning different property types or investing across multiple markets—can help mitigate these risks. Maintaining adequate cash reserves for vacancies or emergencies is equally important.
Long-term investors should also stay informed about local market conditions, zoning changes, and economic trends. A neighborhood poised for job growth and infrastructure improvements may outperform areas facing population decline. Doing the research upfront and revisiting investment strategies regularly helps ensure long-term success.
BUILDING WEALTH THAT ENDURES
Real estate’s ability to combine income, appreciation, and tax advantages makes it a cornerstone of many long-term investment strategies. Whether through owning rental properties, participating in REITs, or utilizing 1031 exchanges, investors have multiple paths to build wealth steadily over time. With patience, careful planning, and an eye on market fundamentals, real estate remains one of the most effective vehicles for achieving lasting financial gains.
MARKET REPORT
Preparing for Winter in Sandpoint Real Estate
As winter grows near, Sandpoint’s real estate activity naturally slows, though motivated buyers and sellers remain in the market. Seasonal tourism softens, reducing short-term rental demand, while long-term buyers focus on year-round properties. Homes with features like reliable access in snowy conditions or proximity to Schweitzer continue to attract interest. Sellers willing to negotiate on terms such as closing timelines or covering minor repairs have a better chance of closing before the year’s end. For buyers, November offers less competition and more leverage, making it a valuable time to act before the market tightens again with spring demand.
CALENDAR CALENDAR
*Please note, as of press time, these events were still scheduled to take place as planned. Be sure to visit event websites to stay up to date with the latest updates.
FALL K&K THANKSGIVING FISHING DERBY
NOVEMBER 22-26 & 28-30
Cast your line at the K&K Thanksgiving Fishing Derby, November 22–26 and November 28–30, 2025, on Lake Pend Oreille. Hosted by the Lake Pend Oreille Idaho Club, this annual tradition offers divisions for adults, juniors, and youth, with entry fees ranging from $60 to free for kids under 12. Anglers compete for prizes by weighing in Rainbow Trout and Mackinaw at official stations. Complete rules and details available at LPOIC.org. &
ANNUAL TURKEY TROT
NOVEMBER 27
Join Litehouse YMCA and Sandpoint Parks and Recreation for Sandpoint’s Annual Turkey Trot on Thursday, November 27, 2025. This family-friendly event is untimed and low-key, offering a 5K, 10K, or any distance you’d like to run or walk (no bikes, please). The Turkey Trot is free with your donation to the Bonner Community Food Bank, helping provide meals for local families in need. A signed waiver is required for all participants; minors must have parent or guardian consent. 27 2226 2830
TREE LIGHTING AND SANTA'S ARRIVAL
NOVEMBER 28
Kick off the Christmas season in Sandpoint at the beloved Tree Lighting Ceremony on Friday, November 28, the day after Thanksgiving, at Jeff Jones Town Square. Bring family, friends, and neighbors for an evening filled with festive cheer, often featuring Santa Claus, beautiful choral performances, and warm seasonal refreshments. The highlight of the night is the lighting of the grand Christmas tree, a tradition that truly captures the holiday spirit. For full event details, visit DowntownSandpoint.com. 28
SHOP SMALL SATURDAY SANDPOINT
NOVEMBER 29
Celebrate Shop Small Saturday in downtown Sandpoint on November 29, 2025, a community tradition highlighting local businesses, holiday shopping, and seasonal fun. Explore unique gifts, special deals, and delicious dining throughout Downtown Sandpoint and the Cedar Street Bridge Public Market. Enjoy family-friendly activities, photo backdrops, and the warm hospitality of Sandpoint’s small-town charm. By shopping small, you support local entrepreneurs, neighbors, and friends—and help to keep Sandpoint’s economy thriving. Discover the joy of local shopping this holiday season at SandpointDowntownShopping.com.
CHRISTMAS JUBILEE CONCERT
NOVEMBER 30
Experience the magic of the inaugural Christmas Jubilee Concert on Sunday, November 30, 2025, at The Hive in Sandpoint, Idaho, hosted by the Community Resource EnVision Center (CREC). Enjoy a heartwarming holiday performance by the Bonners Ferry Community Orchestra in their first Sandpoint appearance, a preview of the Festival of Trees Gala trees, and a curated Christmas Market & Silent Auction. Holiday beverages will be available, with seating limited to 150 tickets. For details and tickets, visit CRECIdaho.com. 30
Friends & Family Day FESTIVAL OF TREES:
Kick off the holiday season at the 2025 Festival of Trees: Friends & Family Day on Saturday, November 29, 2025, from 11 am to 5 pm at The Hive (207 N. First Ave.) in Sandpoint. Hosted by the Community Resource EnVision Center (CREC), this free event is part of the beloved Festival of Trees celebration and offers something for the entire family to enjoy.
Throughout the day, families can snap photos with Santa, enjoy fresh-baked cookies and hot cocoa, and cast their votes in the annual 4th-grade gingerbread house contest. Children will love exploring free holiday-themed crafts and activities, while adults and kids alike can admire beautifully decorated trees, each a dazzling centerpiece of festive cheer.
Live local entertainment adds to the joyful atmosphere, creating a perfect backdrop for making holiday memories with friends and loved ones. Whether you’re visiting for the creative crafts, the sweet treats, or simply to take in the sights and sounds of the season, this event is a highlight of Sandpoint’s holiday calendar.
Bring your family, gather your friends, and celebrate the magic of the holidays at this cherished community tradition. For full details, visit CRECIdaho.com.
DO YOU KNOW HOW YOUR BUSINESS IS PERFORMING ONLINE?
IS YOUR WEBSITE OPTIMIZED FOR GOOGLE’S NEWEST UPDATES?
ARE YOU GENERATING NEW CONTENT REGULARLY?
ARE YOU MEASURING YOUR DATA AND ANALYTICS TO DETERMINE THE BEST MARKETING STRATEGY?
If the answer to any of the above is ‘No’, let’s work together to create a personalized plan to set your business up for success!
Sandpoint Hospitality for Farragut Sailors—photo courtesy of the Bonner County Historical Society & Museum.
fun fact LOCAL
A LITTLE CLUB WITH THE BIGGEST HEART
SANDPOINT’S LOG HALL, WHICH WELCOMED SAILORS AND UNITED A COMMUNITY
The log building on First Avenue stands as a symbol of Sandpoint’s heart and generosity. Built during the Depression with local donations matched by WPA funds, it initially served as a gathering place for Boy Scouts, Girl Scouts, and community events.
World War II transformed the hall into the Sandpoint USO, welcoming young sailors from Farragut Naval Training Station and the Naval Hospital. Most were only 17 or 18, far from home for the first time. Here they found food, coffee, cookies, cake, and companionship—all free. A visiting naval wife recalled, “Young people all strangers and far from home relaxing, playing games, writing letters home, singing, dancing as if old friends at a party.”
The kindness left lasting impressions. One sailor later wrote, “Where in the world could you go to find a second mom but at the Sandpoint USO?” Locals loaned out fishing poles, boats, even swimming trunks, and organized outings to favorite beaches and fishing holes.
Other sailors' memories capture its spirit: “It was a little club with the biggest heart.” “Sandpoint people are different. They are not after your dollar.”
From Depression-era beginnings to wartime refuge, the log building remains a story of community, hospitality, and home.
brought to you by
SANDPOINT’S
Your business MATTERS and DESERVES to be recognized. In every edition of Go Sandpoint Magazine, your business can be featured and seen by thousands. Are you ready to be a part of our local guide? Sign up online today to reserve your spot.
GoSandpointMagazine.com/Sandpoint-Local-Guide-Sign-Up Contact us for more information! info@like-media.com
Compassion & Care Close to Home.
This November, we celebrate Hospice Month and the dedicated team at Bonner General Community Hospice — the only local non-profit hospice serving our community for more than 30 years.
Hospice is more than care; it’s a promise of hope, dignity, and support. Our team of skilled professionals and volunteers provide quality, compassionate care to help patients focus on comfort and time with loved ones. At Bonner General Community Hospice, we honor your wishes and walk beside you and your family every step of the way
WHERE TO STAY
THINGS TO DO
TOP 10 ACTIVITIES
Sandpoint is home to four great breweries. Bike to each, or take a walking tour: Matchood, Utara Brewing Co., MickDuff’s Brewing Co., and Laughing Dog Brewing.
Explore the many unique shops in charming downtown.
Drive The Pend Oreille Scenic Byway
Experience some of North Idaho’s most scenic views along this 33.4-mile drive. VisitIdaho.org/things-to-do/scenic-byways-backcountrydrives/pend-oreille-scenic-byway
