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IN NAPA 1505 Second Street
Phil Rapp AVP Community Branch Manager (707) 492-3751 Mario Callegari VP Business Banking Center Manager (707) 492-3767
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REAL ESTATE PRO TOUR
Choose ONE, and get ALL of these Top Realtors® working on your behalf. 3/4/2019
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SUSIE ASHLOCK 246-2278
LAURIE BUURMA 337-4329
KAREN CHERNISS 738-8261
Davidson & Bennett Real Estate Services
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Coldwell Banker Brokers of the Valley
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LANI COOKE 479-0489
PAULO CORRO 322-2688
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Coldwell Banker Brokers of the Valley
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Coldwell Banker Brokers of the Valley
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CHERI STANLEY 287-6927
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Golden Gate Sotheby’s Int’l Realty
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Coldwell Banker Brokers of the Valley
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STEVE HEUN 479-5800 Coldwell Banker Brokers of the Valley Ca/DRE# 00985896
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It's Not A Goodbye, It's A See You Later! It has been my honor and privilege to serve the Napa community as a health care provider for 34 years! Silverado Dental Care was my second “family” which included a great team and thousands of wonderful patients from as far away as Georgia and Norway. Many folks found a happy “dental home” during my tenure, many of my long time team members are still there to provide the “TLC” along with advanced techniques including laser dentistry, implants and conscious sedation. buddy and “honey do” expert, Silverado Dental Care is in the good hands of Dr. Dan Capponi. I have worked with Dan since 2016 and feel our training, capabilities and philosophies are very compatible. He is completing my dentistry and I can recommend him personally as a quality person and dentist. My wife Joan and I recently moved back to Napa so I won’t say goodbye just, I’ll see you around town.
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June 2021
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money sense
Will Your Social Security Benefits Be Taxed? For many people, the answer is yes — but in this article, Bank of America Corporation offers some strategies that could help you minimize the hit on your retirement income. because distributions drawn in retirement from a Roth IRA will not be included in your taxable income calculations. But take caution, as any pre-tax amount you convert will be counted as income in the year of the conversion and taxed accordingly. You can also convert an investment that earns taxable income, such as a taxable bond portfolio, into a deferred annuity.
Many investors forget one thing about retirement: As much as 85% of your Social Security income could be subject to federal — and possibly state — income taxes. “That can be a real shock when people begin collecting benefits,” says Ben Storey, director of Retirement Thought Leadership at Bank of America.
How taxes are calculated
Social Security benefit taxes are based on your “combined” income — your modified adjusted gross income for the year and half of your Social Security income. A portion of your Social Security benefits will be taxable income above certain income thresholds. For example, in 2020 a married couple in retirement filing jointly with combined income greater than $32,000, and up to $44,000, could find that 50% of their benefit payments are considered taxable income.
Know the earnings limits
Build a long-term strategy
If you retire early and your spouse does not, their earned income will not be factored into the earnings limit. When you reach your full retirement age, Social Security will recalculate your benefit amount if you were negatively impacted by the earnings limit.
Tax planning experts suggest reducing your combined income. “When you plan for retirement,” says Vinay Navani, a shareholder with WilkinGuttenplan, an accounting and consulting firm in East Brunswick, N.J., “you need to think in terms of multiyear projections.” If you anticipate a big one-time event, like the sale of a business, structure it as an installment sale to be paid off over several years instead of an all-cash transaction. This can help evenly distribute your overall income and keep you in a lower tax bracket. A longer-term strategy for drawing from your qualified retirement accounts is to convert a traditional IRA to a Roth IRA,
If you start taking your benefits before full retirement age — 66 for most baby boomers — the Social Security Administration issues a cap on your earnings. In 2020, the cap is $18,240, and for every $2 you earn over that limit, the SSA deducts $1 from your benefits. Once you reach the year that you will turn full retirement age, the earned income cap goes up; that limit is $48,600 for 2020. For every $3 you go over, $1 is deducted.
If you file your tax return jointly, your spouse’s earnings will be included when calculating your combined income for purposes of determining the taxation of your benefits.1
www.irs.gov, can help you compute your tax liability. Then, see whether your state taxes benefits. You might not be able to avoid tax liability, but you can learn what to expect and plan accordingly. As always, your financial advisor can work with your tax professional to find solutions. 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.
For more information, contact Merrill Lynch Financial Advisor Eric F. Gonzales in the Napa, CA, office at 707.254.4606 or eric_gonzales@ml.com.
Forewarned is forearmed
Worksheets in IRS Publication 915, “Social Security and Equivalent Railroad Retirement Benefits,” available at
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Source: https://www.ssa.gov/planners/retire/ whileworking.html.
Annuities are long-term investments designed for retirement purposes. Withdrawals may be subject to surrender charges, may be taxable and, if made prior to age 59½, may also be subject to a 10% additional tax. All annuity contract and rider guarantees, or annuity payout rates, are backed by the claims-paying ability of the issuing insurance company. They are not backed by Merrill or its affiliates, nor do Merrill or its affiliates make any representations or guarantees regarding the claims-paying ability of the issuing insurance company. This material should be regarded as general information about Social Security considerations and is not intended to provide specific Social Security advice. If you have questions regarding your particular situation, please contact your legal or tax advisor. Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, registered investment adviser, Member SIPC, and a wholly owned subsidiary of BofA Corp. Investment, insurance and annuity products:
Are Not FDIC Insured Are Not Deposits
Are Not Bank Guaranteed Are Not Insured by Any Federal Government Agency
May Lose Value Are Not a Condition to Any Banking Service or Activity
Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of BofA Corp. © 2021 Bank of America Corporation. All rights reserved. | MAP3324505 | WP-02-21-0701.A | 472503PM-0420 | 02/2021
A better experience starts with better care. At Providence Medical Group, we keep the patient at the center of every decision we make. This is why our hematology and medical oncology specialists take a team approach to care, using the most advanced imaging and diagnostic equipment and techniques available, and employing state-of-the-art treatments to provide the best, individualized health care for each patient.
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providence.org/PMGNorCal
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Pat Grinnell, NP-C
Daniel Mirda, MD
1000 Trancas St., Ste. 1 Napa, CA 94558 707-253–7161
Napa’s Landscape Maintenance Company Landscape Maintenance Pricing starts at: • $150 per month for every other week service • $260 per month for every week service
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June 2021
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Contents
N A PA VA L L E Y ’ S C O M M U N I T Y M AG A Z I N E
JUNE 2021
REAL ESTATE ISSUE O N T H E COVE R
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Merrill | Money Sense Will Your Social Security Benefits Be Taxed? Vintage Sotheby’s International Realty: A Transformative Real Estate Experience
12 Celebrating 5 Years and 200,000 Meals Donated the Napa Food Project is Hungry for More
11VINTAGE SOTHEBY'S
INTERNATIONAL REALTY
(707) 944.0888 | 6550 Washington Street, Yountville | vintagesir.com
20 Realty Outlook in the Napa Valley
30 Jefferies General
By Linda Bausch
38 Mike Holcomb
Brie Buhman Photography
By Kathleen Reynolds
By Craig Smith
42 Community Snapshots 46 Napa Valley Upcoming Events
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Realty Outlook in the Napa Valley
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Jefferies General
UBLISHER | Napa Marketplace Publishing, Inc. P EDITOR-IN-CHIEF | Connie Anderson SALES EXECUTIVE | Erica Pickett CREATIVE DIRECTOR - GRAPHIC DESIGN | Suzanne Nott GRAPHIC DESIGN | Alicen Curtis ACCOUNTING MANAGER | Kelly Hurst WEB EDITOR | Suzanne Nott Napa Valley Marketplace Magazine 1556 First St., Suite 103, Napa, CA 94559 info@napavalleymarketplace.com | napavalleymarketplace.com P: 707.226.2474 | F: 707.339.8332
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June 2021
CONTRIBUTING WRITERS Linda Bausch Kathleen Reynolds Craig Smith
napavalleymarketplacemagazine nvmarketplace nv_marketplace
The Marketplace Magazine© is a division of Napa Marketplace Publishing, Inc. Copyright© June 2021. ALL RIGHTS RESERVED. No part of this publication may be reproduced without written permission from the publisher. Over 36,000 distributed in Napa, Yountville, St. Helena and American Canyon.
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5 MOST FREQUENTLY ASKED QUESTIONS WE RECEIVE ABOUT MEDICARE: 1. 2. 3.
4. 5.
IS MEDICARE LESS EXPENSIVE THAN MY CURRENT INSURANCE PLAN? Maybe, probably, maybe not. It is often the case that our clients are delighted in regards to their reduced insurance costs once entering the land of Medicare. However, there are instances in which we recommend staying with their current insurance plan until it is no longer offered or the cost of that plan exceeds the cost of Medicare. With that said, the cost is not everything when it comes to your healthcare. You may still want to choose Medicare if it offers you more flexibility. WILL MEDICARE COVER MEMBERS OF MY FAMILY? Unfortunately, no. The only way to obtain Medicare coverage is to sign up individually when you are eligible. In addition, there are no price breaks for married couples. Your Part B premiums may be less, however, if you file a joint tax return and meet the income requirements set by Centers for Medicare & Medicaid Services (CMS). WILL MY HEALTH ISSUES OR PRE-EXISTING CONDITION PREVENT ME FROM OBTAINING A MEDICARE SUPPLEMENT? As long as you sign up at the right time, insurance companies cannot deny you coverage based on your current or prior health! Nor can they charge you higher premiums. In most cases, the best time to sign up for a Medicare Supplement is within 6 months of enrolling into Medicare Part B. However, there are several exceptions that will still guarantee you eligibility. Here’s the bottom line: know the right time to apply for a Medicare supplement as to avoid having to answer health related questions. WHY SHOULD I ENROLL IN PART B IF I ALREADY HAVE PART A? Part A (hospital insurance) is a great benefit, but ideally you want to dodge medical treatment altogether. That is why Part B includes many preventative services such as medical exams, screening and counseling at no additional charge. Take advantage of the benefit’s part B provides to help you live healthier and longer! WHAT’S THE DIFFERENCE BETWEEN A MEDICARE SUPPLEMENT AND MEDICARE ADVANTAGE PLAN? The short answer: a lot. Understanding the difference and potential pitfalls within these two options is imperative to making an informed decision. Just to scratch the surface, Medicare Advantage plans, also known as Part “C”, are often administered through network plans such as HMO’s or PPO’s. Some come with additional benefits such as dental and vision. Medicare supplements, on the other hand, supplement Parts A and Part B (also known as original/traditional Medicare). Original Medicare allows you the flexibility to see any doctor or hospital that accepts Medicare.
Have more questions? We specialize in Medicare planning. Give us a call to schedule a complimentary consultation.
SAM OLSON
707-690-1965 info@olson-agency.com samolsonhealthinsurance.com CA License #4018729 Disclaimer: Sam Olson Insurance Services is not connected with or endorsed by the U.S. government or federal Medicare program. Policies and benefits may vary by state and have some limitations and exclusions. Individual Medicare Supplement policy forms MSA10, MSB10, MSC10, MSD10, MSF10, MSHDF10, MSG10, MSHDG, MSK06, MSL06, MSN10, and in WI, MC4810 and MC4810HD are available from our Company where state approved. Some states require these plans be available to persons eligible for Medicare due to disability. This is a solicitation for insurance.
O N T H E COV ER
Vintage Sotheby’s International Realty: A Transformative Real Estate Experience NEW NAME, SAME GREAT SERVICE Vintage Sotheby’s International Realty is a local leader in residential real estate sales – and although the name may seem new to some, the firm is actually long-established in the Napa Valley community. Many will still recognize it by its previous name: Gates Estates.
Vintage Sotheby’s International Realty co-owner Kelly Norris added, “Napa’s housing market has recovered beautifully since the shutdown, and taking on more agents allows us to better meet increasing demand from both buyers and sellers. What we want our clients to know is that we’re very discerning about who we select to join our team. All our Founded as Gates Estates in 2009, agents must be local to our area, and they need to share our passion for Vintage Sotheby’s International preserving and supporting the Napa Valley community.” Realty came under new ownership in early 2020 after the original LOCAL EXPERTISE owner Cyndi Gates passed the reins While Sotheby’s International Realty is a known luxury brand, Vintage to her son and daughter-in-law, Mike Sotheby’s International Realty sells at all price points. The firm is the and Lisa Bertolucci, as well as the only locally owned and operated Sotheby’s Realty brokerage in the Napa couple’s business partners, Kelly Valley area. Agents at the firm live within the region and are experts in and Debbi Norris. Six months later, the local community, allowing them to deliver a personalized experience the new owners officially changed and better results for clients in the marketing and selection of properties. the name of their brokerage to Vintage Sotheby’s International “Nobody knows Napa Valley like we do,” said Mr. Bertolucci. “We know the Realty. ins and outs of each neighborhood and property. We have the experience (Co-Owners Lisa & Mike Bertolucci) to anticipate and best the competition. Being such a well-established, local brokerage means we are intimately attuned to the needs of buyers “We selected the name ‘Vintage’ for multiple reasons,” said co-owner Mike and sellers in this area.” Bertolucci. “First and foremost, it honors the legacy Cyndi Gates began with the establishment of our firm. It also evokes a strong connotation Indeed, the value of having such with the local wine industry. Finally, it describes the unparalleled service a deep-rooted, local presence we are known for providing to our clients as well as our community.” cannot be understated, confirmed Mr. Norris. “We’re not here to EXPLOSIVE GROWTH build an international real estate Rebranding isn’t the only transformation Vintage Sotheby’s International conglomerate,” he said. “Napa Realty has undergone since the change in ownership. In fact, the Valley is our home. We live here, brokerage has expanded its network of agents by 500% over the past work here, and raise our families year – a remarkable milestone in the midst of a pandemic. here – so we actually have a vested interest in ensuring our community While much of this growth can be attributed to organic recruitment, the prospers through home ownership September 2020 acquisition of Century 21 Exclusive brought 11 new and business creation. The result agents to the firm in one fell swoop. for our clients is extraordinary.” (Co-Owners Debbi & Kelly Norris) “We always wanted to be part of a premium brand like Vintage Sotheby’s International Realty,” said Mark Tate, former owner of Century 21, “but Walking through the doors at Vintage Sotheby’s International Realty is it’s their culture that really inspired us to join them. Their agents are like taking a first step toward the lifestyle of your dreams. Buyers and collaborative instead of competitive, and the owners are always accessible sellers from all walks of life are invited to meet the team at their Yountville – which is a real win for our clients because now we can be more flexible headquarters on 6550 Washington Street. and responsive to their needs.”
Come say hi at 6550 Washington Street in Yountville, call us at 707.944.0888, or visit us any time at vintagesir.com. Each office is independently owned and operated.
CELEBRATING 5 YEARS AND 200,000 MEALS DONATED
J
THE NAPA FOOD PROJECT IS HUNGRY FOR MORE
June marks The Napa Food Project’s 5th Birthday—and there is a lot to celebrate. First and foremost, the community-based all-volunteer project has collected over 237,000 lbs. of food (200,000 meals) to donate to the Napa Food Bank. The Project has quickly become one of the key threads of the local fabric, and yet another way that this community shows its commitment to giving everyone access to plenty of nutritious food.
Shirley King, Program Director of the CANV Napa Food Bank and the late Hilary Zunin, Co-Founder of Napa Valley CanDo, heard about the Ashland Food Project and knew it would be just the program to help bring more donated food to the Food Bank on a regular basis. It was a donor drive, not a food drive. It also seemed tailor made for a giving community like the Napa Valley.
The Project was inspired by the Ashland (Oregon) Food Project, which was started by a resident who was concerned about hunger in his community. The founder realized that many of his neighbors were willing to help, but for a variety of reasons, never got around to it. His solution was to make it so easy to donate food that no one who had the ability to do so could refuse! His by-line was: You want to help… We make it easy!
The Napa Valley Food Project kick-off meeting was held in March 2016. Almost everyone at that meeting signed up for a role in getting the effort off the ground. The group quickly formed a Steering Committee who began recruiting and training NCs. The first pick-up was held in June 2016, and the group was thrilled to get 2827 pounds of food from 15 Neighborhood Coordinators.
Here’s how it works. Community members volunteer to be a Neighborhood Coordinator (NC), a role that involves recruiting ten or more neighbors or work colleagues to donate one bag of food on the same day every other month. On the designated pick-up day, the NC is responsible for collecting the nonperishable food from all the donors and delivering it to the Food Bank. Each of the many volunteers contributes a little— and the community wins big. 12
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In the five years since, the Napa Valley Food Project has remained dedicated to “Building Community and Sharing Food.” The Project now includes more than 90 Neighborhood Coordinators and 800 Food Donors from Napa and St Helena. The Project “allows us to ensure the vulnerable of Napa County can meet their basic need for food all year round,” says King. She is grateful to the “army of volunteers who have persisted in developing and nurturing a sustainable food supply for the CANV Food Bank.” So far, this grass-roots group has
provided almost 200,000 meals for families in the Napa Valley. King notes that in addition to sharing food, the Project is also building community. As King puts it, “Neighbors helping neighbors….it brings us together.” One example of this comes from the Napa Yacht Club’s experience with the Project. Tom and Susan Kennelly, NCs for the Club, say the Food Project has been transformative for their neighborhood. With the help of eight other families, they deliver about a hundred green bags on every collection day. “Neighbors recruit new neighbors,” they said, “and they are very proud of the fact that our neighborhood has contributed over 10% of the meals each time.” As a result of the COVID-19 pandemic, more of our neighbors are relying on the Napa Food Bank than ever before. Although the Napa Food Project had to pause pick-ups for most of 2020, many of the Project’s food donors were fortunate enough to be able to continue providing meals…by collectively donating $27,000 to the Food Bank! What will the next 5 years bring? More meals! The Project has resumed donated food pick-ups and is looking to increase the number of Neighborhood Coordinators and Food donors to keep reducing food insecurity in the Valley. Getting started is easy! Contact Frances Knapczyk at napafoodproject@gmail.com to learn about the next orientation for new volunteers.
napafoodproject.org
Helping people of all ages to achieve an Optimal and Vibrant state of well being • Schedule a free 15 minute consultation by going online or calling to schedule • B12 Happy Hour every Tuesday 3-6pm at CryoAid,1075 Trancas St., Napa
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A Project Of Napa Valley CanDo Thanks To:
90+ Neighorhood Coordinators | 800 Food Donors | 50 Volunteers ALL of the Napa Valley Food Bank Staff
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DR. JEFFREY BROOKS Board Certified and Fellowship Trained Vascular Surgeon
VARICOSE VEINS? LEG ULCERS? LEG PAIN? LEG SWELLING? LEG CRAMPS? LEG HEAVINESS? BURNING SENSATION? SKIN COLOR CHANGES? RESTLESS LEGS? FREE CONSULTATION! WE CAN HELP! CALL TODAY! (707) 346-2800 • Major Insurance, MediCal, Medicare, Covered CA and Care Credit Accepted • Se Habla Español
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RESPONSIVE • EXPERIENCED • TRUSTED NOW ACCEPTING NEW PATIENTS! SERVICES INCLUDE: • Routine Eye Exams • Cataract Surgery • LASIK and Eyelid Surgery • Glaucoma and Macular Degeneration Care • BOTOX • Diabetic Eye Care • Dry Eye Treatment Dr. David P. Simon, MD, FACS Eye Physician & Surgeon
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REALTY OUTLOOK
T
in the Napa Valley By Kathleen Reynolds
The last year has been chaotic for workers. Entire offices of people are working from home. Retail stores closed, then opened, only to close again, sometimes permanently.
regardless of condition, and think that’s the price they should pay. It happens a lot with out-of-area agents and buyers. We must explain to our clients if it’s overvalued based on parameters.”
One profession that had a tumultuous time during the pandemic is realty.
“Clients may think they’re better off overpaying and locking in the rate and the home. The questions should be whether now is the right time for their family and does this make sense? Every buyer has to make that decision.”
We asked Napa realtors for their thoughts on the past year and the prospects for their industry. “One of the biggest changes we have seen is the way we interact with buyers and sellers due to COVID,” says Lisa Bertolucci of Vintage Sothebys Realty. “There has been a huge uptick in the use of FaceTime, Skype, etc. to have virtual showings with clients. Reasons are both from being on lockdown during the height of COVID, as well as having a lot of out-of-area buyers not being available for in-person showings. The prevalence of 3D home tours also allows clients to view a home from anywhere in the world as if they are standing in it.” Karen Cherniss, of Coldwell Banker Brokers of the Valley, has been a licensed realtor for 35 years and talks about the changes in the past year. “2020 caused pent-up demand from buyers, and the inventory is at the lowest point ever. Inventory is judged by how many months’ worth is available, and it is at only two months-worth now. Low inventory means it is a seller’s market, and homes that come on the market are receiving multiple offers. The term ‘irrational exuberance’ is how we describe the current buying market.” Realtor Ellen Politz, of Corcoran Global Living, agrees. “We’re seeing a super-limited inventory. People check whatever the last sale price was in the area,
Logan Songer of Coldwell Banker Brokers of the Valley explains the change in rates. “The California Association of Realtors (CAR) is forecasting that the median price across the state will increase 8% from $659,400 in 2020 to $712,100 in 2021. CAR is also expecting the number of sales to increase 11.2% in 2021 compared to 2020. The good news is that the Feds shared that they expect interest rates to stay low through 2023 which is positive news for buyers.” While none of the realtors have a crystal ball, they concur there will be a somewhat normalizing of the market, but it will continue to lean toward a seller’s market. “We’re still facing a shortage of housing supply, continued low interest rates and high buyer demand,” says Christina Winegar, with Golden Gate Sotheby’s International Realty. “The majority of the industry analysis predict a slight cooling of the market in terms of price appreciation. I also think we will see a slight cooling down of home appreciation values here in Napa. Homes will still appreciate but not at the unsustainable levels we’ve been experiencing. I don’t think we’ll see the extreme increase year over year we’ve been seeing. The dance isn’t going to stop but the tempo will begin to slow down.” Whether you’re a buyer or a seller, what should a
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person look for in a realtor? All the realtors believe an in-depth knowledge of the local market is paramount. “Look for someone who matches your own personality and way of doing business,” says Cherniss. “Most of all, look for someone who listens and who will work with your needs in mind, not their own.” Winegar adds, “There are so many important things to look for when choosing an agent, but I’d say the most important things are honesty and integrity, contract strategy and negotiating skills. These come through years of experience and on-the-job training.”
Between pricing strategy, interest rates, low supply and high demand, are first-time home buyers simply out of luck in this market? The realtors think not. “I tell them all to put their best foot forward and they will prevail,” says Politz. “Don’t feel pressured and only write an offer if you love the property and want to be there. Even if a buyer must write 10 or 12 offers, it’s all part of their education process. Some sellers actually want to sell to first-time buyers rather than getting a higher price.” Cherniss emphasizes that first-time buyers must be prepared to compete. “Have a lender pre-approval letter ready, preferably from a local lender, and be patient. Know how high you can go and look at properties that are on the market well below that number as they will most likely go over. Keep your credit scores up—don’t buy a new car or boat while searching for a home.”
The bottom line, says Cherniss, is listening to your Realtor. Cherniss also says that COVID-19 has influenced buyer “wants.” “People are working from home and we’re seeing buyers coming to our area to get more space. Homes here have enough room for a home office or workspace and kids’ play areas inside and out. We’re seeing a resurgence of people wanting pools.” Winegar has a similar opinion and mentions, “Property close to downtown Napa is hot right now. Buyers also want a more updated house. With the price of lumber and shortage of labor, they don’t want the expense or the hassle of a remodel.”
Winegar says keeping first time buyers from being discouraged is a tough obstacle to overcome. “I know house hunting and buying a new home is a supposed to be fun and exciting but in today’s market, it can also be brutal and emotionally exhausting. Try not to get too emotionally attached to a house until after your offer is accepted.” “Allow yourself to feel rejected and then press on. Just keep looking and offering. I know it sounds cliché, but the home you’re meant to have is out there and you’ll get it.”
Contributors
LISA BERTOLUCCI
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CHRISTINA WINEGAR
June 2021
ELLEN POLITZ
KAREN CHERNISS
LOGAN SONGER
The Lender’s Perspective We asked lenders to add their assessment of the current and future housing market and what it takes to nail down the best mortgage for your new property. Martha Pedroza-Ramos of Homebridge Financial Services says, “Last year saw an unprecedented boom in the real estate industry. Historically low interest rates precipitated a high demand for new homes and a glut of mortgage refinancing. In fact, while rates are rising, they are still extremely low. There remain many reasons, beyond rate, to refinance such as using equity to fund home renovations or to pay down higher interest debt.” Tiffany Diede, from Old Republic Title, talks about the lending environment the past year. “Our offices had half the employees due to social distancing and working remotely but more volume due to so many transactions. We have had to adapt to a paperless environment to be able to work remotely. Fortunately, Old Republic Title has been e-recording for years, so we did not have any issues closing transactions with the county recorder’s offices. Most signings were done through signing services directly at their homes. Many lenders stopped requiring the physical copies of the signed loan documents, went paperless and uploaded the signed documents to a secure portal for funding.” She mentions on-going COVID precautions. “Now that we have opened our offices by appointment only, we have
had a few changes. All employees wear masks, and we have sneeze guards throughout our conference rooms that separate the clients for signings. We sanitize after every signing and the clients keep their pens. I feel that because of the paperless environment we are able to do our jobs more efficiently.” What do they see in the upcoming year? Pedroza-Ramos offers this advice, “Find a local, independent mortgage lender that can offer you more personalized service and products and can help make your offer stand out by leveraging relationships. Also, consider getting preapproved by your lender and locking in your rate while you shop.” “This market is still busy and there is not enough inventory,” says Diede. “I see another busy year as the rates are still at all-time lows. I don’t see the real estate offices opening their doors any time soon. So many of them had their best years of production during the pandemic and working from home. I think they like the ability to do Zoom meetings without having to get ready and rush out of the house. They can do virtual tours and open houses to stay socially distanced. It will be a more strategic field to market for new business so we will all have to be more creative as to how we get in front of the clients to earn their business.”
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HomeStyle®is a registered trademark of Fannie Mae. 1 For these loan programs we are a Mortgage Broker only, not a mortgage lender or mortgage correspondent lender. We will arrange loans with third-party providers but do not make loans for these programs. We will not make mortgage loan commitments or fund mortgage loans under these programs. 2 The mortgage being refinanced must 1). Have a Note Date on or after October 1, 2017. 2). Be a first lien, conventional mortgage currently owned by Freddie Mac, in whole or in part, or securitized by Freddie Mac, and 3). At least 15 months must have passed since the Note date of the mortgage being refinanced. Other restrictions may also apply. Homebridge Financial Services, Inc.; Corporate NMLS ID #6521 (www.nmlsconsumeraccess.org); 194 Wood Avenue South, 9th Floor, Iselin, NJ 08830; (866) 933-6342. Licensed by the Dept. of Business Oversight under the CA Residential Mortgage Lending Act. This is not an offer for extension of credit or a commitment to lend. Loans are currently being closed and committed at the expressed rates, however these rates may change or may not be available at the time of your interest rate lock-in, commitment or closing. All loans must satisfy company underwriting guidelines. Interest rates and Annual Percentage Rates (APRs) are: based on recent market rates, for informational purposes only, subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value ratio, credit score and other factors. Terms and conditions apply. Additional loan programs may be available. This is not an offer to enter into a rate lock agreement under MN law, or any other applicable law. Call for details.11/2020 (1020-6461b) LR 2020-666
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Chrissy Jefferies, co-owner
Jeffries General By Linda Bausch
For quite a few years, especially since we lost the Safeway at Jefferson and Clay Streets, if you were downtown Napa, had a headache and needed medicine, a band aid, a toothbrush, deodorant or throat lozenges—or if you wanted organic milk or a fresh baked loaf of bread, local honey or cheese, all in the same place, you’d have been pretty much out of luck. A trip to another neighborhood all together would be required to find the most basic items. All that changed March 10, when Napa locals Pat and Chrissy Jeffries, opened the doors to Jeffries General at 1416 Second Street, adding another dimension to the hometown ambiance they remember from their 30
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childhoods. In the background, a large, black and white picture of Bill Murray, peeking from behind a spray of branches, sets a playful mood.
Fresh start... Thanks to an unexpected job loss this past August and Chrissy’s entrepreneurial spirit, we can all now find the necessary sundries in downtown Napa. I asked Chrissy, “What was your impetus to open the store? Why now? How easy or difficult was the process?” She told me that she and Pat had long recognized the need for a neighborhood store downtown. Born and bred
Napa locals, they attended opposite high schools and met ten years ago, marrying in 2014. They have a deep connection with the community. Both are committed to the greater good ... their wedding promise to each other confirmed that devotion, as they vowed to, “Help, rescue, and save animals, people, and all who have been neglected.” That answered the why. Chrissy continued with the how. Like so many others during the COVID-19 pandemic, she was laid off from her job as a Tasting Room Manager last August. She knew this was the time for the couple to strike out on their own. Two days later, Chrissy attended a Small Business Development Center (SBDC) business workshop with Michael Basayne. Considering my experience as a writer, telling the story of free SCORE (Senior Core of Retired Executives) counselling in Napa Valley Marketplace Magazine (June 2018), I was reminded of my own SBDC experience with Carolynne Gamble, and many others in Napa and Santa Rosa, including Michael Basayne. Chrissy was speaking my language. She said Michael had the answers to her questions and guided the Jeffries throughout the entire process. Knowing what I know about the SBDC assistance programs, and Jeffries General opening date less than seven months later, I’d call this another SBDC success story. The Jeffries didn’t set out solely for personal gain; they intend to lift and help carry as many other artists, local food producers, jewelers, candle makers and the like along in their journey. When you have a platform to highlight the work of others, you may as well use that to everyone’s best advantage. High-quality essentials, gift items, and daily needs can now be met within walking distance downtown. Some of the jewelery on display comes from local makers, and some ‘found items’ artifacts from India come through a contact Chrissy met more than twenty years ago when she was in retail at Crate and Barrel. That person is now an importer of international goods, supplying Chrissy’s downtown Napa shop.
an epi or baguette for purchase. Buttered Toast and Coffee is $5. (Their classic and creative bread menu, with ingredients listed, can be found online at westwonbread.com)
You never know where a connection may lead. If not now, there’s always the future. You just never know.
Fresh from the farm... Local, organic milk chilling in glass bottles and other dairy items such as butter, yogurt, and chocolate milk from Straus Family Creamery are found on the shelves of the gleaming, cooler cases. Cartons of eggs are fresh from Taramasso Ranch on Old Sonoma Road in Napa. You’ll also find a variety of cheeses, dried salami and meats, nuts, and other condiments to prepare your own charcuterie board for an outdoor picnic or evening snacks at home.
Fresh from the bakery... Breads are delivered fresh from the ovens of artisan bakers on Tuesday, Friday and Saturday mornings. Kyle Kuehner of West Won Bread, is baking sumptuous breads for Jeffries General, as well as, at their storefront at 1800 A Soscol Avenue in Napa, Wednesday through Sunday. Eleven varieties of bread are available. The menu features a variety of sandwiches, a very creative take on a banana split, fresh-brewed coffee, beverages, and on the weekends—a Cheese Box with olives, fruit, nuts, and four cheeses,
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Also living up to doing for others is Fancy Savage Cuisine’s Chef JD Kammes. Aside from his successful catering business and bread baking, he adds to the good being passed on with a new partnership with the St. Helena Food Bank, delivering a fresh baked loaf of organic, sourdough bread for every family who uses the food bank each week. It is a simple, nourishing gesture of love that will make a difference on the table of our neighbors. You can help Chef JD with this effort by contributing through Venmo donations -
Reliable REFRIGERATION, INC.
#bread4people. Nothing would make Pat and Chrissy happier. Merchandise at Jeffries General will rotate seasonally and as holidays come and go. Items from near and far will fill the shelves. If you haven’t discovered the shop yet, be sure to stop in. You’ll find something fun or whimsical for that special someone in your life. Newer items showcased at the store are from Love & Light Candles, locally made, using cheese molds as forms. Napa Valley Candle Company is another family owned and operated business happy to be included at Jeffries General. Pat and Chrissy are busier than most people I know. Jeffries General is open every day. Team work keeps them on track with Pat opening the shop, setting up the signage outdoors—while Chrissy begins her work day as self-proclaimed “Shopgirl” at 8:00 a.m. sharp. Pat goes onto his busy day job at Robert Biale Vineyards, returning to close shop with Chrissy each evening. Their at-home hours are filled with aromas of Pat’s cooking as he does double duty perusing his latest, super-sized paintings on wall-high easels in the dining room, across the open floorplan. Chrissy mentions to me that a pan of water or two has boiled away while Pat tweaks a colorful dog portrait or other commissioned artwork. An artist will get lost in the subject—even when the pasta is on. Pat’s stylistic oil paintings of people and pets resonate with emotion and energy. The prolific results announce a fierce desire to create. Chrissy enjoys entertaining with family and friends as often as possible, spreading warmth, kindness and a welcoming atmosphere. Everyone who knows the Jeffries speak of them in high esteem. Their good deeds have not gone unnoticed. From fostering children in need, to making sure we can buy a toothbrush downtown, they nurture us with love and sundries, seven days a week.
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MIKE HOLCOMB
M
By Craig Smith
Mike Holcomb and I were on the way to lunch when he pulled into a parking lot, saying he needed to check on something. We crossed the railroad tracks and walked along a path towards a building he owns, when he veered off the path and led us down a slight embankment and under a bridge, an area that’s become a homeless encampment. At least ten men and women were there getting haircuts. “Where do I get in line?” asked Mike. “Hi Mike!” “Papa Holcomb!” Seemed that everybody knew him, and they were all glad to see him. Mike called most of them by name asked how everybody was doing. Afterwards, we walked the perimeter of his building. “When I bought this place, I had it painted, then I told those guys I didn’t ever want to see any graffiti on it. I said if there is any, I’ll blame them and will make sure they can’t stay there. I try and stop by as often as I can to say hi, and give them fifty to a hundred bucks to split. Everybody needs help sometime.” Only once has a tagger shown up. Spray paint can in-hand, he was met by a number of the guys we’d just spoken to. They told the would-be-artist that he would be better off putting the paint away and never coming back. Mike’s generosity is not dependent on a return favor. He used to take a couple of homeless guys he’d gotten to know to his house for a shower, while his wife washed their clothes. Once, during a particularly cold rain storm, he drove to where he knew a woman would be sleeping outside, took her to a hotel and paid for her to stay a week. After the earthquake in 2014, Mike passed out thousands, mostly leaving waitresses huge tips. When one of his buildings was temporarily red tagged, he paid all the employees salaries from the two businesses affected. Why does he do it? “Because I can, and I think it’s the right thing to do. If my kids take after me, I hope they’ll be that way.” “Sometimes it backfires,” he said. “One of the guys I was taking home for
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showers quit coming to the downtown Starbucks (Holcomb owns that building) and started going to a different location. He told other people it was because ‘Holcomb is trying to change me.’ I learned not to make assumptions about what’s best for people.” He has also contributed and raised hundreds of thousands of dollars to support doctors who fix cleft palates for kids around the world and over $400,000 for a hospital Burundi, in East Africa. “That’s where the poorest of the poor live. You can’t believe it till you see it.” He built a clinic in San Marcos, Guatemala, which the hospital staff wanted to name after his family. “The only condition I made was that they name it anything but Holcomb.”
Mike
Mike was born in Portsmouth, OH, just a few hundred yards from the Ohio River and Kentucky, where the rest of his family is from. He is one of six children separated by twenty years. Jimmy, older than Mike by eighteen months, had a high fever at four months of age that left him brain damaged. He could still go to school but was impaired. “My parents told me that since Jimmy and I were closest in age, it was my job to take care of him. If anybody messed with him or made fun of him, they answered to me.” Mike deeply loved his brother. “No matter where I was, I called him every day of his life.” By his admission, he wasn’t much of a high school student (“I was completely disinterested,”) and he joined the Marines after graduation. While stationed in El Toro, a friend asked Mike if he would drive him to his girlfriend’s place. The two men walked in the house, and out walked a dark haired Mexican beauty that took Mike’s
breath away. “She had five sisters and one older brother, an Army veteran wounded in Vietnam, who fiercely looked out for his sisters. I knew I had to win him over if she was ever going to marry a non-Mexican.” Mike passed scrutiny with flying colors. “I’ve been married to the best person I’ve ever met in my life for 50 years. If I had twenty more lives, I’d want to marry her every time.” Post military, Mike went to work for a company selling radiators. He was incredibly successful and was recruited by another company. “I told the new guys I wanted to live in Northern California, and they said yes. After searching for two months, we settled on Napa.” The Holcombs moved here in 1981 and bought a 1,750 square foot home on West Pueblo. Mike built a basketball court, complete with lights. Their home was where all the neighborhood kids would hang out. “I was always a father to my sons’ friends. I
told all of them that if they were ever in trouble and didn’t know who to call, to call me. We might have a conversation about it later, but that’s okay.” Along the way, Mike started his own business, 1-800-RADIATORS, which was another home run. He and his wife built a $2 million, 3,900 sq. foot home. “We went to it when it was finished, and realized we couldn’t live there. It didn’t have any memories for us.” They sold it without having spent one night in it, and have lived at the original home on West Pueblo since. Mike’s success both in business and life comes from a simple philosophy. “It’s easy to be kind, to treat people well and to be honest.” He was always fair with his employees. “Not a person who’s worked for me wouldn’t do so again. If there is someone, I owe them a phone call and an apology. The measure of a company is not how well the owner does; it’s how well everybody does.” Mike sees money not only as a way to support his own family, but as a way to help those less fortunate.
rent. Before I sell anything, I offer it to the tenant at the best price.” He’s lived in Napa for forty years now, and he loves this community. He also loves doing the right thing. “Being nice doesn’t cost anything.”
Although he’s owned 29 buildings over the years, he doesn’t think of himself as a developer. “I just buy old buildings, make them look nice and charge marketplace
Several years ago, Mike was diagnosed with an aggressive form of cancer. “They told me that only 12.5% of people with my kind of cancer make it past five years.
Mike and Christina Holcomb
I’ve got three under my belt.” He doesn’t want to die. “I don’t like having cancer at all, but I can’t say it is or isn’t fair.” He recalled the late tennis star Arthur Ashe, who died of AIDS from a blood transplant. “He said his first thought was, ‘Why me?’ and then, ‘Why not me?’ If it does take me, I’ve lived a wonderful life. And I know I’ll get to see my brother Jimmy again.”
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Residential - Commerical
Summer Heat is on the Way! Way!
Must--do Must do... ...
1. Remove Debris from Outdoor Unit 2. Schedule System Tune-Up 3. Change Your Filter
Old Republic Title would like to congratulate Aaron Anderson on 5 amazing years with the company. Wishing you many more years of success.
Aaron Anderson Napa County Sales Manager • aarona@ortc.com
(707) 330-5898 • adameckhvac.com License #1035976
2140 Jefferson St., Suite A Napa, CA 94559 • 707.265.9838 ©2021 Old Republic Title
Drought Regulations 2021 Irrigation Rules for Napa Water Customers: Do not irrigate lawns/landscapes on consecutive days, except for the initial watering of new plantings
Do not irrigate lawns/landscapes between the hours of 10am and 5pm, except for initial watering of new plantings
Do not overwater lawns and gardens to the point of excessive flowing runoff
Do not irrigate during rain and within 48 hours after measurable rainfall
See www.cityofnapa.org/water for other regulations currently in effect.
Help Napa Save 15%!
Tip: Limit lawn watering to two days per week.
www.cityofnapa.org/water
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Napa One
NAPA VALLEY'S PREMIER JANITORIAL SERVICES
Macintosh Today Call or Book Online ning!!! for Your Spring Clea
Sales • Service • Support
ABLE JANITORAL S ERVICES Bonded, Licensed and Insured
www.napa1.com
(707) 224-1075 • ablejanitorialnapa.com
Davidson & Bennett Real Estate Services Davidson & Bennett Real Estate Services
1817 Jefferson Street, Napa 707-253-0220 • Fax 707-253-0260 davidsonandbennett.com TWO HOMES, ONE PRICE Two homes on a large lot in downtown Napa. 1214 Yajome has 1 bedroom, 1 bath and is on the corner of the lot. 1216 Yajome has 3 bedrooms, 1 bath with a basement and is next door to 1214 Yajome. Walking distance to shopping and restaurants. $950,000
LINDA GLASS
WAYNE DAVIDSON
Broker/Owner
Realtor®/Owner
(707) 486-3281
(707) 486-4780
Lic# 00961179
SUSIE ASHLOCK Realtor
(707) 246–2278
Lic# 00379689
IDYLLIC COUNTRY WITH PRIVACY & SECLUSION! 61/3 Acre parcel provides the perfect setting for your estate home with views of vineyards & the peaceful countryside. Includes plans for a contemporary farm style home plus a detached 5-car garage. 3+ Acres can be planted in Vineyard. There is an existing well and approval for a standard septic system. Close in location near Silverado Resort & Napa Valley Country Club. $2,295,000
Lic# 01093535
CAROLE GRUSS CLOSE TO SHOPPING CENTER! Rare 0.21+/- acre lot available in the City limits. All utilities have been brought to the lot. Nice and level $295,000
Realtor
(707) 246-5444 Lic# 00807847
Over 35 Years Serving Napa County’s Real Estate Needs!
LINDA GLASS Broker/Owner
(707) 486-3281 Lic# 00961179
ENJOY THE SIMPLE LIFE! This stunning 3 bedroom, 2 bath home is truly charming and impressive. Many added tasteful upgrades; lots of natural light, vaulted ceilings, skylights, newer flooring, appliances, plantation shutters and more. Entertaining decks with views, well-manicured yards, plus a ‘secret garden’ area, serene and tranquil. World class destination, convenient to shopping, wineries, parks, freeway access. One of the largest lots in this senior park and a premiere location. Pride of ownership and meticulously maintained. $349,000
Davidson & Bennett Real Estate Services
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"Ron the Umpire" with Napa Jr. Girls Softball President, Karly Michie.
Choir: Andrew Wiegers, Napa High Senior is one of the final Visual and Performing Arts Students of the month.
Instrumental: Montserrat Gloria, Napa High Senior is one of the final Visual and Performing Arts Students of the month.
Choir: Nicole Birkland, New Tech High Senior is one of the final Visual and Performing Arts Students of the month.
Back: Kathryn Zimmer, Kate King and Maria Blanding. Front: Paula LePage and Sherrell Harper.
Radio station 99.3 the Vine honored Silverado Middle School teacher, Jennifer Can New Tech High School. She is pictured in the center with two thumbs up alongside her students, Vine DJ Robin Bright, and school administration.
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Sydney Dommen St. John's Lutheran, 8th Grade Graduate.
Napa Little League Team - Cooke Ortho ready for their game! Let's PLAY BALL!
COOKEORTHO.COM
Vin Smith, Craig Smith, Linsey Gallagher, Travis Stanley and Lon Gallagher.
Belia and Michelle stopping on the Vine Trail.
Napa Jr. Girls Softball “Farewell to Ron the Umpire."
Tracy Schulze, Mary Beth Herman and Connie Anderson
Nancy on the Vine Trail.
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NAPA VALLEY
EVENTS JUNE
For more information or to submit an event request, visit napavalleymarketplace.com JUNE 1-AUGUST 31 SUMMER LIBRARY ADVENTURE Reading colors your world! Napa County Self-paced reading program for all ages with prizes. Read, learn, listen and explore. Sign-ups begin June 1. napalibrary.org/sla JUNE 4 CAMPOVELO NAPA VALLEY CampoVelo Napa Valley 2021 will blend the best of the culinary, libations, cycling and wellness worlds into another unforgettable weekend. Despite our ongoing global challenges, we’re still crafting a special weekend that will incorporate all necessary safety elements related to Covid-19. So get ready. Get set. And let’s have an epic weekend where new friends, new foods, new roads, and new good times will prevail! campovelo.com JUNE 5 RODRIGO Y GABRIELE Five years since their last album, Mexican acoustic rock guitar duo Rodrigo y Gabriela embarked on the next chapter of their remarkable story, with the release of the most ambitious music of their twenty-year career together. oxbowriverstage.com JUNE 7-11 MINIGUILD PASSPORT TO JAPAN CAMP Take a journey overseas and explore the customs and traditions of Japan through traditional arts & crafts and culinary creations. Ages
Factory Tours DAILY 9:15AM-4PM
• Fun, interactive and sensory exhibits • Retail Store and Café Jelly Belly Visitor Center One Jelly Belly Lane • Fairfield, CA JellyBelly.com • 800-953-5592 jellybelly.com/california-factory-tours © 2021 Jelly Belly Candy Company
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6-12, half day and full day options available. guildnapa.com/camps JUNE 12 LOCO-MOTION LIVE! A night of food, fundraising and fun. LOCO-MOTION LIVE! Has it all: online auction, dinner, wine, guest speakers, and a funda-need. While the virtual event is free to attend, you won’t want to miss the opportunity to purchase to-go dinner from culinary partners up and down the Vine Trail route in Vallejo, Napa, St. Helena and Calistoga. vinetrail.org JUNE 12 KIWANIS CLUB OF NAPA’S BBQ FUNDRAISER Due to the COVID-19 pandemic, the Kiwanis Club of Napa was unable to hold their Annual Crab Feed in February. Instead, they’re holding a Texas-style BBQ to help fund the many scholarships awarded every year. kiwanisclubofnapa.org JUNE 12 ART, SIP AND STROLL Join friends in Yountville, the Heart of the Napa Valley, for this artistic outdoor stroll to celebrate our artists! Enjoy over 50+ juried artists – fine art, sculpture, ceramics, photography, jewelry and more. Ample parking is available, after which guests can walk or ride a shuttle to the event site. Your $35 tasting package includes a glass with six wine tasting tokens to be used at any wine tasting stop, plus a signed Guy Buffet Art, Sip & Stroll 2021 poster. Purchase an outdoor lunch onsite and relax in park like venues or make reservations to dine at one of Yountville’s fabulous restaurants. artsipstroll.com JUNE 14-18 MINIGUILD-MAKING MUSIC CAMP There will be music in the air this week as we set out to craft our own musical instruments, create custom music boxes using a laser printer and bust out the karaoke machine! ages 6-12, half day and full day options available. guildnapa.com/camps JUNE 18 2ND ANNUAL UNBOTTLED VIRTUAL BENEFIT CONCERT Napa Valley Center for Spiritual Living presents acclaimed singer/ rapper/activist Michael Franti, joined by a lineup of nationally recognized inspirational singers including Gary Lynn Floyd, Karen Drucker, Lisa Ferraro and Natalia Zukerman (SeekHer) and Shauna Marshall. NVCSL will share a portion of the event proceeds with Crush MS, NV Food Bank, School of Spiritual Leadership Diversity in Ministry Mentor Program, Puertas Abiertas and Teens ConnectMentis. nvcsl.com JUNE 21-25 MINIGUILD CALLING ALL TOYS CAMP A week of fun and games making crafts that are meant to be played with. Using a variety of materials and techniques, campers will design and construct their own games and toys. Ages 6-12, half day and full day options available. guildnapa.com/camps JUNE 28-AUGUST 6 CAMP NAPA Camp Napa is here to give kids the break they've been waiting
for! With modifications to ensure the safest space (Las Flores Community Center and Turf) while still having loads of fun, Napa Parks & Recreation superstar staff will make sure your campers have the best time at Camp Napa. Activities will include theme days, fun games and songs about healthy habits, art and craft projects and games focusing on our natural resources, hot day water play and so much more! Great Outdoors, Enrichment Camps and Sports Camps with community providers also available. cityofnapa.org/catalog JUNE 28-AUGUST 6 GREAT OUTDOORS CAMP Kids will love the Great Outdoors Camp in the beautiful Napa foothills. Campers will spend time learning about nature as they hike with new friends, build forts, learn archery, play games and enjoy arts and crafts activities. cityofnapa.org/catalog JUNE 28-AUGUST 6 NAPA PARKS & REC SWIM LESSONS Swimming lessons for summer are back at the Harvest Pool! All lessons focus on water safety and skill development and are available for all levels. cityofnapa.org/catalog JUNE 28-JULY 2 MINIGUILD STITCHES AND STRINGS CAMP This week is all about sewing and fiber arts. We'll use fabric, yarn and tools of the trade to stitch, weave, embroider and more! ages 6-12, half day and full day options available. guildnapa.com/camps
9th Annual
Art, Sip & Stroll Yountville
Saturday, June 12, 2021 11am – 5pm •
Discover 50+ artists showing arts from fine art to photography, to glass & ceramics, to jewelry.
•
Taste from 12+ Napa Valley wineries.
•
Enjoy Live Music.
Tasting Package Ticket includes four tasting tokens plus a signed Guy Buffet Art, Sip & Stroll poster.
Visit artsipstroll.com for more information and to purchase tickets.
YOUNTVILLE ARTS
Event plans and format may be changed to adhere to current health guidelines.
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Procrastinating Your Estate Planning? RiKa Optique It’s All You Need to See!
As a local small business owner, estate planning had been on my to do list for some time. This past year reminded us that life can change overnight. Meghan and the staff at Celaya Law helped educate and guide me through the process of protecting my business and my family. I highly recommend Celaya Law for all your estate planning needs.” – Rita Barrera, Owner of Rika Optique in Sonoma, Ca
FREE WEBINARS EVERY WEDNESDAY Visit our website or call to register today!
Anthony G. Celaya, Esq.
Seminarios webs en español en vivo disponibles. ¡Regístrese en nuestro sitio web!
Meghan M. Avila, Esq.
707-492-3112 • celayalaw.com • Se Habla Español
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CERTIFIED ADVOCATES FOR RESIDENTS OF LONG-TERM CARE FACILITIES
Napa Long Term-Care Ombudsman Program educates and serves residents, facility staff, and families encouraging self-empowerment. Info, Resources, & Volunteering:
napaombudsman.org ALWAYS FREE & CONFIDENTIAL Investigating Concerns Empowering Residents
Investigar Preocupaciones Empoderar a los Residentes
Advocating for Quality of Life
Abogando por la Calidad de Vida
DEFENSORES CERTIFICADO AL SERVICIO DE RESIDENTES DE CENTROS DE CUIDADO A LARGO PLAZO El programa de defensoría de centros de cuidado a largo plazo de Napa ofrece educación y servicios de ayuda a residentes, empleados y familiares a fomentar el empoderamiento personal. Información, Recursos, & Voluntariado:
napaombudsman.org
(707)-255-4236 1443 Main Street Suite 125 D Napa, CA 94559 info@napaombudsman.org
SIEMPRE GRATIS Y CONFIDENCIAL
1556 First Street, Suite 103 Napa, CA 94559 (707) 226-2474
PRSRT STD US POSTAGE PAID Wesco Graphics, Inc ECRWSS
napavalleymarketplace.com Over 100,000 readers in Napa Valley every month!