Do you have a retirement spending plan?
Saving and investing are just the first steps in retirement planning creating a strategy to draw down that money is the next challenge. These tips from Bank of America can help.
You have worked hard, saved and invested all with the goal of having enough to live the retirement life you want. As the day approaches, you may be thinking, “Now what?” How much of your savings can you afford to spend if you want that money to last as long as you live? Which accounts should you consider drawing from first: your 401(k), IRA or your taxable accounts?
You may have heard broad guidelines about the “right” amount to withdraw each year and the optimal order for tapping your accounts. While these rules of thumb contain kernels of truth, they generally gloss over the fact that everybody’s retirement is different and much too important to be guided by a formula. “You need to come up with a plan for drawing down your income that is based on your own unique priorities and goals,” says Ben Storey, director, Retirement Research & Insights, Bank of America.
As you consider how you will create a retirement income, start with these questions:
1. How much can I spend each year?
According to one oft-quoted rule of thumb, retirees should tap 4% of their savings annually. But that rough guideline does not consider variables such as the age at which you retire and how your income needs will change. “The younger you are when you retire, the lower the percentage you will be able to spend each year if you want your savings to last,” Storey says.
Your withdrawal rate is in some ways a reflection of your confidence that your investments will continue to grow. If you are comfortable investing more aggressively, you might decide to take a little more income each year. If you prefer less risk, you might opt for a lower withdrawal rate. It is important to
remember that investing involves risk. There is the potential for losing money when investing in securities.
Other factors may come into play. Some years you might withdraw more for a longcherished goal like travel. Or you might have healthcare needs that dictate a higher spending rate. Your plans should be flexible enough to accommodate a variety of needs.
2. What’s the order in which I should tap into my retirement accounts?
The conventional wisdom goes that you should withdraw from your taxable accounts first, then tax-deferred, then tax-free. That is because the money you take from a taxable account (such as a brokerage account) is likely to be taxed at the rate for capital gains or qualified dividends, which varies depending on your tax bracket. It is generally a lower rate than what you would pay on ordinary income from 401(k) plans, traditional IRAs and other tax-deferred savings. “Tapping taxable accounts first gives the other accounts the potential to continue growing, shielded from current taxes,” Storey says.
Even if you are not ready to start withdrawing funds from your traditional IRAs and qualified retirement plans, the government generally requires you to do so once you reach age 73. The amounts of these required minimum distributions, or RMDs, will vary from year to year, depending on your retirement account value and your age. Failing to take an RMD, or taking too little, can result in costly additional taxes. An exception may apply if you are still working. Review your employer’s plan highlights and talk with your tax advisor about your situation. Roth IRAs and, as of 2024, Roth 401(k)s do not have RMDs, so you can keep money in your account for your lifetime.
While these guidelines offer a starting point, Storey says, “it is helpful to have some flexibility in the way your income might be taxed.” For example, if you fall in a higher-than-usual tax bracket one year you sold a business at a profit, say you might like to have the option to draw federal (and potentially state and local) tax-free income from a Roth account.
3. When should I claim Social Security benefits?
You can begin receiving Social Security retirement benefits as early as age 62 but waiting to claim until your full retirement age (66 or 67, depending on the year you were born) or even age 70 will give you a larger monthly payment and future survivor benefits for your spouse may be greater. But, Storey notes, “after considering all of their options, some people might decide not to wait.” If you have a health condition that could limit your life span, for instance, it could make sense to start collecting Social Security income immediately after carefully considering how spousal survivor benefits may be impacted.
As you work out a retirement income plan, “it is important to work with your financial advisor and your tax advisor to know all your options,” Storey says. “You can get a general idea from rules of thumb, but you are different from anyone else, and your personal situation needs to be factored into any thoughtful decision.”
For more information, contact Merrill Financial Advisor
Eric F. Gonzales in the Napa, CA, office at 707.254.4606 or eric_gonzales@ml.com.
Investing involves risk. There is always the potential of losing money when you invest in securities. Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
This material should be regarded as educational information on Social Security and is not intended to provide specific advice. If you have questions regarding your particular situation, you should contact the Social Security Administration and/or your legal advisors. Banking products are provided by Bank of America, N.A., Member FDIC, and a wholly owned subsidiary of Bank of America Corporation (“BofA Corp.”). Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of BofA Corp. MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC and a wholly owned subsidiary of BofA Corp.
Investment products offered through MLPF&S, and insurance and annuity products offered through MLLA: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured By Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity © 2025 Bank of America Corporation. All rights reserved. | MAP6304394 | WP-01-25-2509.A | 472503PM-0624 | 02/2025
Spirit Horse Using Your Pain as Your Strength
By Kathleen Reynolds
From early childhood, Charlotte Dougherty suffered a traumatic life. She was abused, rebelled as a teen, started using drugs and found herself in prison. In 2009, she altered her course by starting SpiritHorse, a therapeutic equine experience for those in need.
“I changed my life from trauma and being a victim, to being a survivor and wanting to give back to the community,” says Charlotte, a recipient of the Jefferson Award for Community Service.
SpiritHorse provides Equine Assisted Therapy to Diverse Abilities Children/Adults. “Anybody who asks me to do a program for them, any population that is overlooked, I will always say yes,” says Charlotte, a Certified Instructor by the Professional Association of Therapeutic Horses (PATH) and a certified Facilitator for both the Equine Assisted Growth and Learning Association (EAGALA) and Arenas for Change (ARCH).
“Ever since I was 12 years old, I wanted to have a program for teen girls who had been abused. It was always this driving need in my head. I’d tell people when I was in prison that I was going to do this program when I got out.”
According to their website (spirithorsebayarea. org): “Equine-Assisted Activities recognizes the profound bond between humans and horses and leverages it to promote growth and healing. Horses,
intuitive and sensitive animals, can mirror human emotions, providing immediate feedback to participants. This experiential form of equineassisted activities allows individuals to explore their thoughts, feelings, and behaviors in a safe and supportive environment.”
SpiritHorse International has helped children with learning disabilities such as autism, MS, MD, cerebral palsy and Down’s Syndrome learn to speak. They are taught to walk, sit up, stand, and do the simple things most of us take for granted so they can have a better quality of life. At-risk youth are taught to make smarter decisions and become better role models with the right guidance.
SpiritHorse has been extremely successful in the past 12 years, but Charlotte isn’t satisfied to rest on her accomplishments.
“I’d like to do a lot more teen programs through the summer,” she says. “We also have a great partnership with Solano Care Hospice, for patients and their families. Even with people who are bedridden, we can bring them a petting zoo, a small goat or a tiny pony.”
“We do programs with assisted living, with their memory care units. We’ve been conducting programs like that for the past few years, and I’m excited this year about growing it even more. I can see a difference with people in memory care. Lots of people have had previous animal experiences. It’s wonderful to see them light up when they get to connect with the horses.”
“Last May, we started a veteran’s program. Right now, veterans come from Martinez VA and Concord Vet Center. If you are a Vet, please reach out. Every Tuesday we have ten to 17 veterans come with their families.”
Charlotte says they have many success stories.
Once a woman came to me and asked if her friend who had Guillain-Barré Syndrome (a rapidonset muscle weakness caused by the immune system damaging the peripheral nervous system) could ride with us. The friend used to be an RN at Kaiser and also rode horses and was now needing a walker. I agreed to try it. We were able to get her on and held her on each side of
the horse. We would do stretching exercises with her on the horse; we’d walk with her. She rode with me for almost two years. I designed a horse bareback pad, and I put stirrups on it for her. After riding, she did loosen her legs up a little. She actually was able to ride alone eventually. Being able to do something like that is one of the greatest gifts ever.”
“Recently a teen girl, about 14, came out who had a scowl on her face. She said to me, “I hate horses.” I said that’s okay, horses aren’t for everyone. I asked her if she was afraid of them. She said “Yes, I’m afraid.” While her friend was riding, she kept looking down at the ground. We suggested that she just stand on the mounting block next to the horse
and just put her hand on the horse. I explained to her how a horse’s heartbeat will connect with you within a 9’ radius. She put her hand on the horse’s back and tears started pouring down her face. She eventually rode and she was smiling the whole time.”
“I’ve had so many things like that happen throughout the years. That’s why I do the program, that’s what it’s all about. About giving back to people who others overlook.”
Once rehabilitated, Charlotte started to realize her dream at Giant Steps in Petaluma, one of the biggest therapeutic riding programs in this area.
“I was teaching at Giant Steps, but I wanted to have my own nonprofit to help at-risk youth. My mom had one horse, and I did one free lesson with that horse every week; that’s how I started the program. I learned you could certify with SpiritHorse International in Texas. Friends gave me money to go back there. I got certified and that’s how SpiritHorse started. We were then able to get our non-profit 501c3 designation.”
It wasn’t easy to build the organization.
“I had nobody to help me financially. I cleaned toilets to start and support the program. I’ve worked seven days a week all these years. This while I’ve been raising my two granddaughters, ages seven and nine, by myself. I’ve had the nine-year-old since she was a year old. When she was little, I used to teach with her on my back in a backpack.”
“I truly feel I’m guided to do these programs and lead from my heart. Every time I had no money and thought I couldn’t do this anymore, something would open up and say no, you can; you’re supposed to keep going. Now we work with so many different populations.”
“As a partner of the Napa Office of Education, we’ve done the Camille Creek Program for three years. It’s an alternative community high school
for kids who have been expelled from other schools. Students come every Friday from 9:30 to 12:00 and they clean stalls, water horses, get horses out and learn horsemanship, they groom and then they get to ride. It’s been very successful. We are looking to partner with more Alternative Community Schools.”
“A new program with the schools that will happen this year is Partners in Riding. That’s a really exciting
program because we have Napa Junction School right across the street.”
Like most nonprofits, SpiritHorse needs money to survive. With up to 10 horses at any one time, the costs can mount quickly.
“Annually it’s about $6,000$6,500 to feed and care for a horse. That’s if the horse is healthy. The vet bills are astronomical in this area. It used to be that you could go to UC Davis for care, but now they’re higher than local vets sometimes.”
Last year, with the help of the Rotary Club of Napa, of which Charlotte is an honorary member, they held a barbeque fundraiser Spirit of Rotary with live music, petting zoo and roping demonstrations. They plan to do another Spirit of Rotary event on May 17, 2025.
“We also need instructors, most of whom are volunteers. It’s difficult to get instructors because most people who teach have another job. We have close to 20 volunteers right now. It’s never enough. We have volunteers who care for the horses and feed them, but days we don’t have volunteers, I do all that.”
When she has a discouraged student, she often tells them “Use your pain as your strength.”
“I’d had so much pain and trauma in my life since I was a little girl. When I got clean and changed my life, I decided instead of letting my pain destroy me, I use my pain to make me strong.”
“I want my legacy to be for people to remember how to be an inspiration to others, to be kind and grateful. Lots of time when people go through trauma they get hooked on drugs, because they feel that it will take the pain away. I want people to know you can take that pain and make it your strength to be successful and be inspired that no matter what has happened to you, you too can change your life. I actually got clean in my mom’s house where it was okay to use. A lot of times people say they can’t get clean because this is how I grew up. I want people to know that they too can do it.”
“The most important thing for people to know is that we are here solely to make a difference in the community, community over self. We are here to empower people through horses and animals. Plus, almost all our horses and animals were given a second chance. Like us, they all have a story behind them.”
The Future of Dentistry: Comfort, Innovation and Luxury.
Dr. Nancy Azizi of Vineyard Dental Graduate of UCSF School of Dentistry and trained at Las Vegas Institute.
O F V IN E YA R D D E N TA L
Q: INTERVIEW WITH DR. NANCY AZIZI
as a ‘dental spa.’ What sets Vineyard Dental apart?
Dr. Azizi: At Vineyard Dental, we’ve reimagined the dental experience as a serene retreat rather than a typical office visit From the moment you walk in, our calming atmosphere promotes relaxation and well-being We seamlessly blend advanced technology with holistic care to ensure that every treatment enhances
To make visits as comfortable as they are effective, we offer spa-like amenities such as hand therapy, compression boot therapy, hydrating facial masks, and aromatherapy. For those with dental anxiety, acupuncture provides an extra layer of relaxation. Our goal is to combine science and luxury, making exceptional dental care a truly rejuvenating experience.
Q: Why is addressing gum health and inflammation so important in your practice?
Dr. Azizi: Inflammation is linked to serious health conditions like heart disease, Alzheimer’s, and diabetes Gum disease, a chronic inflammatory condition, can impact overall health if untreated. To support long-term gum health, our team includes a UCSF board-certified periodontist By addressing gum health proactively, we help our patients maintain not just beautiful smiles, but overall wellbeing.
Q: Many people feel anxious about dental visits. How do you address that?
Dr. Azizi: Dental anxiety is a real thing! So we’ve designed our practice to be as calming as possible. From soothing scents and relaxing music to pain-free technology, every detail is meant to put patients at ease. We also use iTero 3D imaging, allowing patients to see their oral health in real-time, eliminating fear of the unknown.
Q: Your cosmetic dentistry work is well known in Napa. What sets it apart?
Dr. Azizi: I c o
S
D
e f ull y preplan each case, ensuring precision and harmony. We work with a master ceramist and colorist to handcraft natural, li f
finalized until our patient is completely happy with their new smile, making our a pp r o ac
nd personalized.
looking incredibly natural
Q: On a personal note, how do you stay focused on health and wellness?
Dr. Azizi: I’ve incorporated Pilates into my routine, and the instructors at Napa Valley Pilates have been instrumental in helping me build strength and maintain balance
Q: What would you say to someone who hasn’t been to the dentist in a while?
Dr. Azizi: Don’t be embarrassed, it’s never too late to take control of your dental health. We’re here to help, not j udge T he mos t i mpor t a nt s t e p i s making that first appointment Your smile is your signature let’s make it unforgettable.
Schedule Your Visit Today
At Vineyard Dental we combine cutting -edge technology with a relaxing, patient-centered experience to deliver toper care. Whether you need a routine check-up, a cosmetic boost , or a smile ansformation, Dr Azizi and her team re here to help Call today to schedule our appointment The smile you deserve just a visit away.
Vineyard Dental is conveniently located irectly across Queen of the Valley Medical Center at 1103 Trancas Street n Napa.
Q: What treatments are most popular for patients looking to improve their smiles?
Dr. Azizi: Invisalign is a favorite for discreetly straightening teeth, and our professional whitening treatments provide a noticeable boost in just one visit
Alexis Handelman
One of Alexis Handelman’s childhood memories is of going to a friend’s house after school. “It was so different,” she said. “Our kitchen had a red ceiling and gray walls, and theirs was painted simply white.” The Handelman house was alive with music, emigres and laughter. Her father was a Jewish Russian immigrant who played Gypsy mandolin and “gleaned so much joy out of life and people.” He was playful, impish and fearless. Alexis’s mother was fashionable and charming, and encouraged her dance lessons. She took Alexis and her sister to plays and ballets, but, “I’m really Max’s daughter.”
Alexis was born and raised in the Richmond district in San Francisco. She left at 18 to attend Boston University and then the Boston Conservatory of Music, majoring in musical theater. She was a dancer at heart, and as a child, took lessons at SF Ballet and also got to dance with the NYC Ballet as a fairy in their initial production of a Midsummer Night’s Dream, when they came West.
After college there was a two year move to Davis (a romantic fling that became her marriage),
and an eventual move to SF for eight years. Those years saw a lot of travel – she was a clothing buyer for a women’s specialty store, driving lessons (finally!) an awakened interest in baking, cooking and a pregnancy.
Following the artisan coffee trend of the 80s, Denise Towhey was opening the Napa Valley Coffee Roasting Company, and wanted her friend Alexis to come work for her. “What I really want to do is bake,” said Alexis. Denise told her that was perfect. She could bake and be a barista.
Word got out that Alexis could indeed bake, and her goods were soon being sold in Vallergas Markets and Oakville Grocery, but the Napa Farmers Market was where she knew she had a retail audience. When Luigi’s Pizzeria on Third Street closed and put its equipment up for auction, Alexis approached them and told them she would take it all. She ended up leasing the space, and Alexis Baking Company, known as ABC Bakery to thousands of Napa residents and visitors, was born.
Knowing it would take savory food along with baked goods to make the rent, Alexis was able to attract like-minded people who wanted to produce quality products with quality ingredients. At first it was
Alexis Handelman
Photo: Ron Rifkin
an “all girls’ club” – eventually morphing into a wholly integrated group of talented and dedicated individuals.
After 35 years in the business – 30 of them on Third Street, ABC closed among the difficulties of COVID and a changing economic climate.
Alexis loves retirement. “I have space to breathe. I get to cook and bake at leisure for people I love. I get the freedom to do as I wish with no constraints. I’m living in a very rich period.”
Hal Milton
Hal Milton, now 91 years old, has been an educator, athletic coach, Realtor, Rolfer, Unity Minister and Chaplain to the Napa Police Department. He published his second book, “Wising Up, Life Without Regrets,” 20 years ago. Interviewed by the Napa Valley Register upon the book’s release, Hal stressed that life “is more than achievement, financial success and getting more, which seems to be the preoccupation of most people in their middle years.” He intended the book for that age group, but a woman reader in her eighties contacted him and thanked him for all she’d learned from him.
LA. They reconnected a year later at a retreat in Boulder, and have been together since.
His first book was based on a workshop he developed to help people who wanted to sing, but were frozen with stage fright. Drawing on his knowledge of sports, business, spirituality and entertainment, he taught them how to overcome that fear. At the end of the weekend retreat, participants took to the stage and sang. “Going Public,” a howto manual for developing personal charisma, published in 1995, was born of those workshops.
The couple became Unity ministers, which lead them to Missouri and then Knoxville, Tennessee. After that, they moved to Napa, and spent five years serving as ministers of the Unity church here.
Church pulpit work was not for Hal. He has always done outreach, including a lot of immigration work. “His genius is helping people bring out their authentic, true selves,” said Sonya. “He sees what people need,
Alex Meraud
Alexandra (Alex) Meraud has crammed a lot into her 38 years on the planet. She’s a psychotherapist, a trained yoga instructor, and the lead singer in a band. She even did a stint a florist assistant. If something peaks her interest, she’s all in.
Born in Hollywood, Alex went to high school in Torrance. She lived 10-15 minutes from the beach, and spent a lot of time walking along the ocean with her mom, with whom she is very close. She moved north for college, and got a bachelor’s degree
in Psychology at San Francisco State. Two counseling jobs, one at an eating disorder rehab and the other working with emotionally disturbed juveniles, confirmed for her that she wanted to continue as a therapist. Alex moved back to the LA area and attended Antioch University for her Masters in clinical psychology. After that, she said she was kind of lost.
“What do I do now? I’ve always been a student.” Mom had already moved to Napa, so Alex followed her. Now came the big challenge – to be a therapist in California, you need to complete 3,000 hours of internship work, and then test for certification. After a couple of years, she finished the internship work and was ready to take the test for certification. That presented a new challenge.
pain. She practices yoga but also teaches poses to others if she thinks it will help. “I will sometimes show a client or friend a pose that can be used to relieve depression or anxiety. I do a lot of breath work too, and am happy to share that as well.”
Alex occasionally does something different, just to mix things up. She worked as a therapist at the CIA. She spent time assisting a florist. A few years ago, the cover band Trick Play asked her to join as lead singer. Her claim to fame: “We’ve played two gigs at the Petaluma Pumpkin Festival. It’s strictly for fun.”
“I’m pretty sure I have some undiagnosed learning disorder, or at least test anxiety,” said Alex. So, she took a month off,
For a few years, Alex wasn’t dating anyone, and her therapist pointed out to her that she seemed to be putting off having fun. “The therapist said, ‘If you want to go camping, go camping. You don’t have to wait for some guy.’” This was sage advice, and Alex told a group of friends that she was going camping. “Can I come, too?” asked one of the
Home Energy Score tells you how energy efficient your home is. On a 1 to 10 scale, you’ll learn how much energy a home like yours is expected to use compared to other homes.
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When to get a Home Energy Score
• Before renovating or remodeling your home
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The latest options for knee and arthritis pain instead of just treating symptoms with cortisone, medication, and surgery. The most cutting edge technology without surgery! Don’t WAIT!
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Good until March 31st or the first 15 people! No Exceptions.
"I have gone to four orthopedic surgeons in Sonoma, Sacramento, Napa and SF for a torn rotator cuff. I was in pain, all the time! Couldn’t really work out and sleep was difficult for me for three and a half years, due to my shoulder! When I started my examination there was more done in the first 20 minutes than there was at the previous four doctors! They even did ultrasound to confirm their findings"
With Napa Integrated Medicine my shoulder treatment was WAY above the standard of care and now at 74 - I’m working out, golfing, and have uninterrupted sleep! I GOT MY LIFE BACK! I didn't think was possible anymore.
If you’re on the fence about them, I highly suggest you meet, bring your imaging and start with care, it was the best thing I ever did!”
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Submit your snapshots at napavalleymarketplace.com/submit-a-community-snapshot
Academy of Danse Competition Company at the Leap dance competition in Sacramento.
Pam Novak, Juli Barton and Whitney Haskin at the WINE WOMEN February Happy Hoir at Bouchard Vineyards.
Jill Techel and Joe Fischer at Napa Kiwanis Crab Feed.
The Movement & Meditation Bootcamp Series class at The Garden, led by Personal Trainer, Laisha Ames, and Life Coach, Alessanda Tolomei-Hard.
Napa women enjoying a weekend retreat in Calistoga.
Lisa Massaro and Mary Beth Herman at Napa Kiwanis Crab Feed.
Unidos Middle School raised $1,801.85 to help remodel a school’s bathroom in Nicaragua, including updated plumbing.
Jessica Park reading to the families at Napa Valley Co-Op Nursery School’s Korean Lunar New Year celebration.
March
Submit your event request at napavalleymarketplace.com/submit-an-event
MARCH 1
Nick Lowe & Los Straitjackets
Nick Lowe has made his mark as a producer, songwriter, shortlived career as a pop star, and a lengthy term as a musician’s musician. But in his current ‘second act’ as a silver-haired, tender-hearted but sharptongued singer-songwriter, he has no equal. Los Straitjackets are the leading practitioners of the lost art of the guitar instrumental. Clad in their trademark Lucha Libre Mexican wrestling masks, the “jackets” have delivered their trademark guitar licks to 16 albums, thousands of concerts and dozens of films and TV shows. uptowntheatrenapa.com
MARCH 1-31
Pawsport Napa Valley
Pawsport Napa Valley is an unforgettable month celebrating wine, food, and our faithful friends. Whether you’re bringing your wellbehaved dog along or enjoying the perks with your human pals, there’s something for everyone. Pawsport Napa
Valley benefits Napa Humane! For just $75, your passport unlocks over $1,100 in savings and experiences—and every purchase supports Napa Humane’s vital programs. Don’t miss this chance to sip, savor, and save—all while making a meaningful impact. napahumane.org
MARCH 6
The Wailin’ Jennys
The Wailin’ Jennys are Nicky Mehta, Ruth Moody and Heather Masse—three distinct voices that together make an schingly perfect vocal sound. Starting as a happy accident of solo singer/songwriters getting together for a onetime-only performance at a tiny guitar shop in Winnipeg, Manitoba, The Wailin’ Jennys have grown over the years into one of today’s most beloved international folk acts. uptowntheatrenapa.com
MARCH 7-23
Reefer Madness
Inspired by the original 1936 film of the same name, “Reefer Madness” is a raucous musical comedy that takes a tonguein cheek look at the hysteria
caused when clean-cut kids fall prey to marijuana, leading them on a hysterical downward spiral filled with evil jazz music, sex and violence. This spoofy stylized satire will leave you wanting another hit of fun!
MARCH 8
Whitney Cummings
Whitney Cummings is a comedian, actor, writer, producer, director, entrepreneur, and host of the hit podcast “Good for You.” Best known for creating and starring in the NBC series “Whitney”, Whitney is also the co-creator and co-writer of the syndicated Emmy-nominated CBS comedy series “2 Broke Girls.” She has appeared in numerous television shows, films, and stand-up specials, including her sixth stand-up special “Mouthy” which was released on OnlyFans in 2023.
uptowntheatrenapa.com
MARCH 15
Napa Area Band
Articulation Festival
All Napa area high schools rehearsing together for a combined joint concert at Napa High School’s Messner Gym at 6pm. Free to the public.
Sponsored by Napa High instrumental Music Boosters and NVEF Music Connection. napahighband.org
MARCH 20
76th Annual Napa High Jamboree Concert
Special performances by the Napa String Orchestra Guitar Ensemble, Jazz Band and Varsity Strings, and introducing the 2024-25 Napa Concert Band Winter Drumline and Napa Valley Winter Guard. 7pm at the NVUSD District Auditorium. napahighband.org
MARCH 20
Squirrel Nut Zippers
The Squirrel Nut Zippers began their musical journey in Chapel Hill, North Carolina, in the mid1990s. Jimbo Mathus, along with wife Katherine Whalen and drummer Chris Phillips, formed the band as a casual
musical foray playing for friends and family around town. It wasn’t long before the band developed a reputation for pioneering a quirky mix of jazz chords, folk music, and punk rock leanings and attracted a national audience. With grunge and alternative rock in full swing back in 1995, the Squirrel Nut Zippers sounded like nothing else happening musically at the time.
uptowntheatrenapa.com
in 1995, the six-piece, multigenre band has been a cultural force—blending Latin, hiphop, funk, reggae, and global influences. In 2025, Ozomatli celebrates an incredible milestone: 30 years of bringing their dynamic, genre-defying music to audiences around the world.
uptowntheatrenapa.com
MAR 22 MAR 23
MARCH 23
Asleep at the Wheel
MARCH 22
Ozomatli
If the city of Los Angeles had a soundtrack, it would be Ozomatli. Since their formation
For over fifty years, Asleep at the Wheel’s Ray Benson has been traversing the globe as an ambassador of Western swing music and introducing its irresistible sound to generation
MARCH 7-23, 2025
Inspired by the original 1936 film of the same name, “Reefer Madness,” is a raucous musical comedy that takes a tongue-in-cheek look at the hysteria caused when clean-cut kids fall prey to marijuana, leading them on a hysterical downward spiral filled with evil jazz music, sex and violence. This spoofy stylized satire will leave you wanting another hit of fun!
APRIL 18-MAY 4, 2025
Brooke Wyeth returns home to Palm Springs after a six-year absence to celebrate Christmas with her parents, her brother, and her aunt. Brooke announces that she is about to publish a memoir dredging up a pivotal and tragic event in the family’s history—a wound they don’t want reopened. When Brooke draws a line in the sand and dares them all to cross it, family secrets take on a whole new meaning.
April 18 - May 4, 2025
Theatre
THURS. MARCH 20
SUN. MARCH 23
OZOMATLI SAT. MARCH 22 OF A MURDERER FRI. MARCH 28
SHAKEY GRAVES SUN. MARCH 30
March
Submit your event request at napavalleymarketplace.com/submit-an-event
after generation. More than 100 musicians have passed through the Wheel, but Benson remains the front man and the keeper of the vision. Benson says, “I’m just a singer and a songwriter, and a pretty good guitar player, but my best talent is convincing people to jump on board and play this music.” uptowntheatrenapa.com
MARCH 26
Jersey Mike’s Subs: Day of Giving
Jersey Mike’s will donate 100% of sales to the Queen of the Valley Foundation. Located at 627 Trancas Street in Napa. jerseymikes.com/mog
MARCH 27
Andy Noyes
Longtime friend of Tonewood & Courage owner Brian Courtney, Andy Noyes brings his soul stirring, inspirational music to TW&C stage, for what promises to be a special night of intimate acoustic music. Don't miss this rare opportunity to see Andy Noyes on the West Coast. tonewoodandcourage.com
MARCH 28
The Psychology of a Murderer
Join forensic psychologist Dr. Rachel Toles for an illuminating journey into the mind of a killer. In The Psychology of a Murderer, Dr. Toles thoroughly examines the various factors and breaking points that might lead someone to kill, while exploring infamous cases, such as the Menendez brothers, Chris Watts, Aaron Hernandez, Jeffrey Dahmer, the Columbine killers, Aileen Wuornos, and more. The
pending case of Luigi Mangione will also be covered. Discover the complex interplay of trauma, environment, and mental health that can drive individuals to cross the line into murder. Whether you’re a true crime enthusiast or simply curious about the human mind, The Psychology of a Murderer promises to be an unforgettable experience. This event is for ages 13+ and will include subject matter and images that some patrons may find disturbing. uptowntheatrenapa.com
MARCH 29
CMEA Bay Area Band & Strings Festival
Bands and orchestras from the Napa Valley (Bay Area section v11) at their peak. Area schools will be performing for adjudication and in-clinic at the middle and high school levels. 8am to 5pm at the NVUSD
District Auditorium. Free to the public. Sponsored by Napa High Instrumental Music Boosters. napahighband.org
MAR 29
MARCH 29
The Fab Four
If you want to experience the best Beatles tribute ever, you won’t want to miss The Fab Four-The Ultimate Tribute. uptowntheatrenapa.com
MAR 29-30 MAR 30 MAR 30
MARCH 29-30
Mustard Celebration Finale: A Festival of Wine, Food & Art
Enjoy 30+ restaurants and food vendors serving a diverse selection of dishes from top local chefs, 30+ tasting and tap rooms sampling exceptional wines and craft beers, and 30+ artists with works curated by Jessel Gallery & Eppich Arts. 10am to 4pm at the CIA at COPIA in Downtown Napa. 1 & 2 Day Tickets are on sale at Eventbrite. donapa.com
MARCH 30
The Smart Fellers at the Fink
The Smart Fellers are bringing their brand of vintage swing and retro rock back to The Fink I Downtown Napa at 6pm. There is no cover charge. thefinknapa.com
MARCH 30
Shakey Graves
Across his career, Shakey Graves has intentionally created thrilling musical adventures tailored to each fan: burning CDs and putting them in personalized decorated bags; building intricate scavenger hunts that send fans in search of unique tapes; and Bandcamp-exclusive releases. Rose-Garcia says, “I’ve always been on this quest to make people feel like my own music is a choose your own adventure.” uptowntheatrenapa.com
NAPA HIGH JAMBOREE CONCERT
MUSIC STORE. GATHERING PLACE.
UPCOMING LIVE MUSIC
F“From corner shops to innovation hubs, American entrepreneurs create jobs, invent and provide crucial products and services to their communities, and help define the neighborhoods they serve,” says Administrator Isabel Casillas Guzman, head of the U.S. Small Business Administration (SBA).
Small Businesses Bolstering the Napa Economy
By Kathleen Reynolds
There are over 4 million small businesses in the state of California. The SBA defines a small business as one with fewer than 500 employees (and a few other basic criteria). According to the SBA, small businesses are responsible for more than 40% of America’s economic output and two-thirds of net new jobs.
“In Napa, a significant number of businesses are under the 500-employee threshold,” says Jeri Hansen, president and CEO of the Napa Chamber of Commerce. “So small business, while technically defined, can mean something different depending on the size of the community and the business industries and sectors present there. One clear criterion is that they are independently owned and operated.”
Napa Chamber Ribbon Cutting Ceremony at L’AGENCE Napa Valley
According to the City of Napa’s Economic Development Division, in 2024 there were 568 applications for new business licenses, and 93 companies who closed out their business licenses within the city. These figures were for all business types.
Why are small businesses important?
“Small businesses are the foundation of economy, of most economies,” says Hansen, who indicates that a considerable percentage of Chamber member are what they consider small businesses. “They are the product of our neighbors investing in the community by offering a service and/or providing a product, and by creating jobs – which are very often filled by other neighbors and community members. When you purchase at a locally owned business, much of that money stays right here in our community. It helps create jobs, support families, and drive community development while giving our local economy a boost.”
If you you’ve thought about becoming an entrepreneur and have a great idea for a business, begin at the Solano-Napa Small Business Development Center.
Carolynne Gamble is a business advisor/marketing specialist with Solano-Napa SBDC. She says that using the local SBDC has no charge.
“Beside being a free service, it brings you one-one-one advising and guidance, free online classes, information about grants and loans plus lots of other resources,” says Gamble, who has worked there for 20 years. “The SBDC website also lists all the licenses and permits required for
start-ups. SBDC has over 25 advisors that offer specialized advice in all aspects of a business; for example, start-ups, marketing, finance, HR, e-commerce, social media and more.”
Gamble offers advice for creating a successful small business. “It is crucial to work with an SBDC advisor to help you write a business plan. Within your business plan, you define your demographic, which helps you know who your audience is and who you are talking to on your website and/or your sales message on social media. Research the need in the market and list your competition so you know more about the need, plus understand what else is offered in your market niche. Take the time to write a comprehensive business plan.”
When in the planning stages, Gamble suggests allowing plenty of time to research markets and industries in the Napa Valley.
“Use ChatGPT or perplexity.ai to research market trends and needs. For example, right now, we know the wine industry is saturated. The younger generations are less interested in fine wine than boomers and thus are not willing to pay top dollar for fine wine. We know the hospitality industry is recessed and tourists are more interested in being entertained than in paying $50 for wine tasting.”
“Follow NapaValleyFeatures. com online for well researched information about the hospitality and wine industries and understand the expanding e-commerce industry for all services. Also, understand that a brick-and-mortar retail business is difficult because of rent, inventory, staff, advertising and other costs.”
6 QUESTIONS
TO CONSIDER BEFORE BEGINNING A SMALL BUSINESS:
1. DOES IT MEET MARKET DEMAND?
Good small business ideas solve problems for specific groups of people. Before moving forward with an idea, research your target market, customer needs, and competitors’ solutions. Study your industry’s market trends, customer surveys, and sales data to see what consumers and businesses are doing.
2. DOES IT CONVEY A COMPETITIVE ADVANTAGE?
How you meet market demand also matters. Competitive businesses often have original approaches that set them apart. This could be a new product, a unique selling proposition, or a competitive pricing strategy. Analyze your competitors to understand their strengths and weaknesses and develop a business plan that capitalizes on any gaps.
3. IS IT SCALABLE?
Scalability is about the potential for growth and expansion. Can your business idea grow without hitting geographical, financial, or market limits? Many scalable businesses leverage ecommerce platforms to reach global audiences without physical investment.
4. DOES IT HAVE A LOW BARRIER TO ENTRY?
Businesses are easier to start with lower initial costs, fewer regulatory requirements, less need for specialized training, and minimal technological needs. For example, business ideas like creating freelance content or opening a drop-shipping store require minimal setup and no upfront capital.
5. DOES IT DEMONSTRATE POTENTIAL FOR PROFITABILITY?
Ultimately, a small business idea needs to make money. Estimate potential profits and build a financial model based on predicted sales and operational costs.
6. IS IT SUSTAINABLE?
A sustainable business is one with the potential for long-term success. Will your small business be part of a growing industry or a trend that’s already peaked? Will your operations align with environmental, social, and regulatory expectations? Consider the future before launching a new business.
Courtesy of Shopify.com
Sometimes it does seem small businesses are shut out by corporate giants, the big box stores and the deep discounters. Why do small businesses fail?
“Businesses fail because they begin by focusing on their service and/or their product(s) and don’t address nor understand if there is a need for the service or product,” says Gamble.
“Many times, a new business is unaware of how saturated a market is when they enter it; thus, it makes it extra hard to compete in a flooded market when there is less demand.”
“If a business starts by understanding a need, and filling that need, the startup and growth process is much smoother,” she says. “In a marketing message, first talk about the solutions and secondly about your product or service features and benefits. In a marketing message, talk more about the customer’s issues and needs, and less about yourself, the provider.”
Gamble says, “Just realize the value of getting expert guidance from the Solano-Napa Small Business Development Center.”
It’s not difficult to support small businesses.
“Shopping local, buying local and working with local businesses, vendors, service providers, and so on is the first step,” says Napa Chamber’s Hansen. “Another thing would be to share with others about your good experiences with local business and encourage your family, friends and
colleagues to shop locally. Consider a ‘shop local first’ policy if you can. Many local businesses offer discounts or special offers to locals, and they love our support.”
“Local businesses are more than just places to shop; they’re a cornerstone of our community,” Hansen says. “Think about how often you’ve met friends or colleagues at a local coffee shop or restaurant. These spaces don’t just serve coffee or food; they bring people together. Many of our local businesses also sponsor events, support charities, and provide gathering spots for neighbors to connect. Supporting small local businesses helps sustain this sense of community.”
“It’s not just about the social benefits, either. Local businesses often prioritize sustainable practices and source their goods and services from nearby, reducing transportation needs and lowering carbon footprints. Shopping local is a win for the environment, too. And let’s not forget how much innovation small businesses bring to the table. Local entrepreneurs are constantly introducing fresh ideas, unique products, and creative services. Supporting them helps keep our marketplace diverse and dynamic.”
Every year since 1963, the U.S. Small Business Administration (SBA) has celebrated National Small Business Week, to recognize the important contributions entrepreneurs and small business owners have made. This year, that week is May 4 through 10.
In 2010 an initiative started for Small Business Saturday and in 2011, the Senate passed a resolution in support of the day. Small Business Saturday encourages people to shop at small businesses the Saturday after Thanksgiving, which falls on November 29 this year.
The Season of Small Business is relatively new. It’s an initiative from the SBA to drive Americans to shop at small businesses throughout the holiday season.
Entrepreneurs and small business owners work hard daily to provide jobs, be innovative and increase the economy. Let’s support them in their important work.
“I’ve worked with SBDC for the past five years, and it has significantly enhanced my business. With their assistance and knowledge, I’ve developed a business plan, presentation, marketing strategy, and pitch deck. Whenever someone inquires about business growth advice, I always suggest reaching out to SBDC.”
- Dandy Noel, Wine Travel Photography
Jeri Hansen President and CEO of the Napa Chamber of Commerce
Photo: Bob McClenahan Carolynne Gamble Business Advisor/ Marketing Specialist Solano-Napa SBDC
Relaxed & Comfortable EVEN AT THE DENTIST
Did you know that 50% of people avoid routine dental care due to fear and anxiety? It doesn’t have to be that way. With Sedation Dentistry, you can stay completely relaxed while years of dental issues are addressed—often in just one or two visits.
Over the last 25 years, Silverado Dental Care has provided concious sedation dentistry to thousands of patients throughout our community. Our team makes patients our number one priority and continues to focus on continuing education to maximize their safety. Whether you are afraid of the dentist, have reflexes that make dental appointments difficult, or simply want to get more treatment done in one visit, we have a solution for you.
