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CAN FINANCIAL PLANNERS HELP?

Special Education Teacher of the Year See page 9

See page 2


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

MARCH 2020

How financial planners can help you every day Financial planning and retirement go hand in hand. Without effective planning, many people would never be able to retire, while others might have to work much longer than they hopeD to. While financial planning is essential to achieve long-term goals, planning also can make it easier for people to meet their everyday financial needs. Managing money is a big responsibility, and it’s one that many people may need help with. A recent survey from Pew Charitable Trusts found that 55 percent of Americans spend as much or more than they earn. That’s not only compromising their financial futures, but also making daily life more stressful. The American Psychological Association’s annual “Stress in America” survey routinely finds that money is a top cause of stress among millions of Americans. Adults who are finding it difficult to manage their money on a day-to-day basis may benefit from the services of a financial planner. Financial planners can help people create effective long-term financial plans, and they also can be vital resources for people who need

help managing their money every day.

n Planners can look at things from an unbiased

perspective. An honest assessment of monthly expenses is essential when creating a monthly budget. However, many people tend to be biased when it comes to their monthly expenses. For example, some may feel that three streaming service subscriptions are something they cannot live without. That can make it difficult to trim some of the fat from their monthly expenditures. A financial planner will begin by examining your monthly expenses and may or may not make unbiased suggestions regarding where you can save.

n Planners have the time.

The average household is a hectic place. Adults with commitments at work and home often cite a lack of time as one of the reasons they aren’t more on top of their finances. A 2018 survey from Bankrate.com found that

16 percent of respondents aren’t saving more money because they haven’t gotten to it. Financial planners have the time to help clients save, and over time a planner can be an expense that pays for itself if families are saving more as a result of enlisting the services of a planner.

n Planners have the expertise many people lack. One of the reasons people struggle financially is that it can be hard to navigate the world of investments, insurance and taxes. Planners have the financial literacy necessary to navigate those waters successfully and can help people realize both their short- and longterm financial goals.

n Financial planners don’t just help people plan for retirement. Many planners are equally effective at helping clients achieve their daily financial goals as well, creating a monthly budget is necessary to navigate those waters successfully and can help people realize their financial goals.


2020MARCH 2020

THE ANDERSON COUNTY CHAMBER OF COMMERCE

Tips when choosing your 401(k) investments

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Members Who Can Help

FINANCIAL ADVISORS ADVANCE FINANCIAL 2217 N Charles G. Seivers Blvd., Suite 4, Clinton, TN 37716 (615) 610-7042

AMERIPRISE FINANCIAL SERVICES, INC., KEETON & ASSOCIATES 139 S. Charles Seivers Bvd., Clinton, TN 37716 (865) 463-9411 EDWARD JONES - JIM CHARLES CFP© - FINANCIAL ADVISOR 40 New York Ave., Ste. 100, Oak Ridge, TN 37830 (865) 483-3923 EDWARD JONES - GRACE MEAD 762 Briarcliff Avenue, Oak Ridge, TN 37830 (865) 738-7434 EDWARD JONES - MICHAEL OUSLEY, AAMS© - FINANCIAL ADVISOR 125 Leinart St., Suite 1, Clinton, TN 37716 (865) 457-5066

Financial planners can help investors choose the right 401(k) investments for them.

Saving for retirement is an essential component of financial planning. Adults can save for retirement in various ways, and one of the simplest, most popular ways to do so is to enroll in an employer-sponsored 401(k) plan. According to a recent report from Fidelity Investments, the average 401(k) balance rose 8 percent in the first quarter of 2019. Investors seem to be taking notice of such returns, as Fidelity also noted that the average 401(k) employee contribution reached $2,370 in the first quarter of 2019, marking a 15 percent increase from the year prior. When enrolling in a 401(k) plan, professionals may wonder how to choose their investments. Such plans typically include an assortment of funds. There are a host of factors to consider when choosing 401(k) investments, and the following are some strategies that can help investors make decisions they’re comfortable with.

n Read the enrollment brochure. Brochures

might not be the most exciting reads, but 401(k) brochures, which should be provided when employees enroll in a plan, typically include a detailed rundown of the investment options within a given plan. Investors who know how their 401(k) contributions are being allocated are in better position to address market fluctuations, giving

them more control over their money.

n Involve a financial planner in your 401(k).

Financial planners can be an invaluable resource that can help investors in myriad ways. Some investors may be surprised to learn that outside planners can even help them with their employer-sponsored 401(k) plans. Provide a planner with detailed information about your 401(k), including a rundown of the plan’s investment options, and share your retirement goals. A financial planner can then help you choose the funds from your plan that best align with your goals and your comfort levels in regard to risk.

n Monitor your investments.

While investors need to recognize that markets fluctuate, they still need to keep an eye on how their 401(k) investments are performing. Keep an eye out for funds that consistently lose money or provide little to no return, as they’re likely not worthy of your investment dollars. Investors should not overreact and immediately move money around when typically strong funds take a dip, but they also should not accept poorly performing funds as part of the risk of investing.

EDWARD JONES - GEORGE PAYNTER AAMS©, FINANCIAL ADVISOR 333 S. Charles Seivers Blvd, Clinton, TN 37716 (865) 457-1051 EDWARD JONES - ZACH SHEETS, FINANCIAL ADVISOR 102 N. Massachusetts Avenue, Suite 10, LaFollette, TN 37766 (423) 566-4010 EDWARD JONES - JUSTIN WILLIS - FINANCIAL ADVISOR 708 S Illinois Avenue, Suite E101, Oak Ridge, TN 37830 (865) 272-3829 NORTHWESTERN MUTUAL - JOHN ROBERTS 110 Triplett Lane, Knoxville, TN 37922 (865) 251-5105 PRIMERICA 244 N Peters Rd, Suite 205, Knoxville, TN 37923 (865) 406-6586 FINANCIAL SERVICES THRIVENT FINANCIAL - JEREMY COX 531 Callahan Drive, Ste. 101, Knoxville, TN 37912 (865) 806-0957 WELLS FARGO ADVISORS - JAMES BIRKBECK 265 Brookview Centre Way, Suite 100, Knoxville, TN 37919 (865) 560-2600


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

MARCH 2020

Courier Recognizes Champions of Literacy On Friday, February 28, The Courier News surprised four Clinton City Schools teachers with a Champions of Literacy Award. Ken Leinart, Editor, and Tony Cox, Publisher, traveled to each school presenting recipients with a Dr. Seuss t-shirt, certificate, and monetary gift. Each teacher and class of students were presently surprised when they were greeted with such recognition. The Courier News has a wonderful partnership with CCS, and we appreciate them taking the time out of their busy schedules to recognize the hard work of our employees.

The Clinton City Schools Champions of Literacy recipients were: Stephanie Brock Clinton Elementary, 1st grade Jyl Smithson North Clinton Elementary, 6th grade Drews Royse North Clinton Elementary, Speech/Language Lindsay Dungan South Clinton Elementary, 3rd grade

HOSKINS

DRUG STORES

& Soda Fountain

Family Owned & Operated Since 1930

Prescriptions • Diabetic Supplies Medical Equipment Most Major Insurance Accepted HOSKINS DRUG STORE 865-457-4340 111 N. Main St., Clinton

HOSKINS MEDICAL SUPPLY 865-457-2341 101 N. Main St., Clinton


2020MARCH 2020

THE ANDERSON COUNTY CHAMBER OF COMMERCE

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How The Titanic Became My Lifeboat

Carol Phillips works on stocking the heater shelves at True Value Home Center of Clinton.

Take a Look at our new Look! Subscribe Today and Save!

865-457-2515

494-5400

111 Acuff Lane, Clinton Corner of NAGAF Road and Highway 61

www.meadowviewassisted.com

Call to be placed on our waiting list

On March 6th, 900 4th and 5th graders from around Anderson County listened to Brynjar Karl speak about how he embraced his autism through building the largest Titanic Lego model in the world. The 26ft long Lego Titanic model now resides in Pigeon Forge, Tennessee at the Titanic Museum Attraction. The replica contains over 56,000 lego pieces and took around 11 months to build. If you would like to learn more about Brynjar’s journey and how he built the replica this weekend is the perfect time to do it. His documentary film “How Titanic Became My Life Boat” will be released very soon. Look for a video from ACTV of the complete presentation very soon on our Facebook feed.


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

CLINTON CITY SCHOOLS

CCS Empty Bowls Creativity was displayed throughout the district at the annual Empty Bowls event in February! Parents and community members bombarded the doors of each school to purchase student bowls and place silent bids on teacher bowls. This year, members of the Chamber and CCS School Board also donated hand-made bowls to the auction. One teacher bowl sold for $90! Students in each grade level create a different themed bowl, building in complexity with each grade. Sixth grade students are allowed to use any method learned throughout their previous years of Empty Bowls to create one

final CCS masterpiece. This year’s Empty Bowls event raised $6500 with proceeds being donated to East Tennessee Second Harvest Food Bank. Through the Second Harvest partnership, Clinton City Schools is able to provide food backpacks to students across the system on weekends and school breaks. This program allows students the opportunity to use their individual time and talents to give back to the community. The pride students have towards their bowl is heartwarming. This program overwhelmingly benefits Second Harvest and has a lasting impact on the students as well.

MARCH 2020


2020MARCH 2020

THE ANDERSON COUNTY CHAMBER OF COMMERCE

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CLINTON CITY SCHOOLS

North Clinton Elementary Read Day

North Clinton Elementary had an event-filled Read Day on Friday, February 28, 2020. The excitement started with a schoolwide assembly that included the Clinton High School cheerleaders and Dragon mascots leading a Read Day cheer. This excitement was followed by a magical appearance from Anna, Elsa, and Olaf! Many community leaders, Clinton High School athletes, CCS School Board members, and school staff took time to visit classrooms throughout the day to read books to students. As part of the celebration, Faith Promise allowed us the use of their Hashtag Printer which printed photographs of students with the North Clinton Logo. Students, visitors, and characters had a great time posing for pictures with books and each other throughout the day!


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

MARCH 2020

ANDERSON COUNTY SCHOOLS

Anderson Count Schools Preschool Gets Fitted for Helmets On March 3rd, 55 students at Anderson County Schools’ Preschool were fitted for and received a helmet from the Epilepsy Foundation of East Tennessee. One of the the most common causes of epilepsy is a head injury. Paula Ellis, education coordinator for the foundation, said they give out over 36,000 helmets a year. Thank you Epilepsy Foundation of East TN for helping keep our students safe!

Preschool student gets fitted for her helmet by Paula Ellis, education coordinator for theEpilepsy Foundation of East Tennessee.

Mr. Coffin Speaks to Clinch River Community School On February 28th, Clinch River Community School welcomed Ronald Coffin. Mr. Coffin was one of the first four students to be desegregated in the Maryville community. He attended Maryville High School in 1963. Mr. Coffin spoke to the students about his time at Maryville High School and his service to our country during the Vietnam War. Mr. Coffin also spent many years as counselor to veterans who suffered with PTSD. (Look for the full presentation on ACTV next week and right here on our feed) Ronald Coffin speaks to CRCS High School Students


2020MARCH 2020

THE ANDERSON COUNTY CHAMBER OF COMMERCE

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ANDERSON COUNTY SCHOOLS

Pilot Club of Oak Ridge awards Special Education Teacher of the Year Congratulations to Clinton High School’s Lukus Alderman for being selected as Pilot Club of Oak Ridge’s Special Education Teacher of the Year! There will be a reception in honor of Lukus Alderman on Monday, March 9, 2020, at 6:15 p.m. at First United Methodist Church Oak Ridge.

Clinton Civitan Club donates to Clinton High School Deli A huge thank you to the Clinton Civitan Club for donating $460 to Clinton High School Dragon Deli and $460 to The Anderson County Community Games happening later this month. Students who work in the Dragon Deli fix meals every Friday for $6 to help make money for the Anderson County Community Games. Meals that they prepare include a weekly special.

Some of the past items have been: Baked Potato Bar, Chili, Chicken Casserole, Fresh Salads, and Hamburgers & Fries. All meals also come with a dessert as well! This is a wonderful way for these students to gain real life skills and to learn about business.

A Roane State Dental Hygienist Student Talks to Students in Mr. Hicks’ Class at Grand Oaks

Roane State Students Visit Grand Oaks Students from Roane State Community College’s Dental Hygienist program visited students at Grand Oaks Elementary School March 3rd to talk about good oral hygiene practices and habits. Huge thank you to the students who presented to the students you did an amazing job!

Joni Simmons, Jennifer Coleman, Jo Williams — Claxton Elementary School

Daughters of the American Revolution Donate Books to Claxton Elementary School Huge thank you to Clinch Bend Chapter, National Society Daughters of the American Revolution for donating 2 books to the Claxton Elementary School library. On February 26th, School Board Member Jo Williams brought the 2 beautiful books to the library at CES. The books tell about the important roles women have played in our country.


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

MARCH 2020

WELCOME NEW MEMBERS! THANK YOU FOR YOUR RENEWAL!

NEW MEMBERS BioLargo Engineering Science & Technologies, LLC

Real Dry Cleaners 425 Eagle Bend Road Clinton, TN 37716 (865) 457-9184

105A Fordham Road Oak Ridge, TN 378230 (865) 719-4460 http://biolargoengineering.com

Secret City Festival of Oak Ridge dba

Hampton Inn Oak Ridge 208 South Illinois Avenue Oak Ridge, TN 37830 (865) 482-7889 http://www.hampton-inn.com/hi/oakridge

Celebrate Oak Ridge 969 Oak Ridge Turnpike Oak Ridge, TN 37830 (865) 272-6514 http://www.secretcityfestival.com

PARTNERS Enrichment Federal Credit Union

Find a professional SUZETTE A. SHELTON

Advertising Account Executive

423-494-6856 office: 865-457-2515 email: suzette@mycouriernews.com

Get Noticed in the New Anderson Co. Chamber Business Card Directory Call Kim: 865-776-5659 or Suzette: 423-494-6856

Marsha Stapleton

G. CHAMBERS WILLIAMS III

MEMBER SERVICES COORDINATOR p. 865.457.2559 | c. 865.679.6777 andersoncountychamber.org

Staff Writer

210-363-4231 office: 865-457-2515 email: chambers@mycouriernews.com

. 245 N. Main St., Ste. 200 . Clinton, TN 37716 marsha@andersoncountychamber.org

ACO D/B/A Centrus Technical Solutions Alzheimer’s Association American Financial Network, Inc. Burrville Antiques Centriworks-Thermocopy Coldwell Banker Wallace Dependable Disposal Services Docks and More East Tennessee Human Resource Agency Healthy Visions Historic Downtown Clinton Merchants Association Kenna Stephens Construction LLC Knoxville Tours, Inc. Lamar of Knoxville Meadow View Senior Living, LLC Merle Norman-Michele’s Northwestern Mutual-John Roberts

Chamber of Commerce Business Card Directory

KIM WEBBER

Advertising Account Executive

865-776-5659 office: 865-457-2515 email: kwebber@mycouriernews.com


2020MARCH 2020

THE ANDERSON COUNTY CHAMBER OF COMMERCE

Titanium

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MARCH

YPAC NETORKING COFFEE

Platinum

Wednesday, March 11, 8 – 9:00 AM Hosted by: Young Professionals of Anderson County

Clinch River Tattoo & Coffee Co. 141 N. Main St., Clinton

MEMBERSHIP 101 Wednesday, March 18, 3 – 4:30 PM

Gold

Chamber Office

245 N. Main St., Suite 200, Clinton Register now due to limited seating 865-457-2559

OPEN HOUSE/RIBBON CUTTING Thursday, March 19, 8 – 9:30 a.m.

City Glass & Mirror

Silver

135 First Quality Dr., Andersonville

PURSES & PEARLS Tuesday, April 7– 11:00 AM – 1:00 PM

First Babtist Church Family Life Center 222 N. Main St., Clinton www.pusespearlsac.com

EAST TENNESSEE SMALL BUSINESS GROWTH CONFERENCE - 2020 Thursday, April 15, 8 AM – 2:15 PM

Bronze

The Hollingsworth Center for Entrepreneurial Leadership 2135 N. Charles G Seivers Boulevard, Clinton Free to register: https://www.tnptac.org/

For the Areas Best Prep Sports Coverage. Turn to ...


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THE ANDERSON COUNTY CHAMBER OF COMMERCE

GIANT HEATING SALE Monday, April 20th - Friday, April 24th 20% off all indoor heating products* SALE INCLUDES:

Logs · Fire Boxes · Mantles · Inserts · Cast Iron Stoves Wall Heaters · Space Heaters · Fireplace Accessories

Rocky Top location only. Certain restrictions apply.* Ask about our installation and 0% financing!

www.pcud.org

203 E 1ST STREET • ROCKY TOP • 865-426-2822

MARCH 2020

Profile for mycouriernews

March 2020 - BiZ: Anderson County Chamber of Commerce Business Journal  

March 2020 - BiZ: Anderson County Chamber of Commerce Business Journal  

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