Napa Valley Marketplace Magazine March 2021 Issue

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We’ve Got You Covered SINCE 1867

In times of uncertainty, it is nice to know who you can count on.

Bank of Stockton has been a source of strength and stability for more than a century and a half. We’ve helped generations of

families and businesses through good times and tough times. We

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will always be here for our customers and our communities. All of our branches remain open with our staff of friendly professionals ready to help. As uncertain times continue, rely on us! We’ve got you covered when it comes to your banking and financial needs.

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napa health watch DOCTORS OF THE VALLEY: NANCY AZIZI D.D.S. of VINEYARD DENTAL

the staff are challenges and expenses, Vineyard Dental’s staff not plan on ramped up their protection measures. “We deployed stating “We advanced infection measures and equipment toCOVID effi- rem ciently filter and disinfect the air in our operatories.

T

By Michelle Dickson

hey say that when you are pushed to your limits, is the point when you can truly show what you are made of. During the last year of the COVID pandemic, Vineyard Dental and Dr. Nancy Azizi showed the Napa community that they are not only a top-tier dental office, but one that can be counted on to deliver advanced safety measures for their patients.

In this interview, Dr. Azizi, a major influencer in the concept of “spa dentistry” as well as a proponent of minimally invasive techniques in cosmetic dentistry, discusses how her embrace of patient safety helps steer Vineyard Dental through this tumultuous COVID period. Oral health is an essential part of one’s wellness and patients needed a place to obtain care without being anxious about COVID contamination. Despite the

We built barriers with leak proof N95 masks, shields, filters, and equipment, but we have never felt closer to our patients”, Dr. Azizi said. Dr. Azizi Beyond the e and her team realized how trusted and loved they Dental was were in their community when patients confidently professional returned to their routine dental appointments upon ments that h reopening, “There wasn’t a day that a patient didn’t attributes to express their appreciation, and that helped us continue our mission.” Although as health care providers


ON THE COVER

NANCY AZIZI NANCY D.D.S. of VINEYARD AZIZI D.D.S. ofDENTAL VINEYARD DENTAL

now vaccinated COVID, they do COVID, the staff areagainst now vaccinated against theyare dolonging “People to show smile; have “People aretheir longing to we show their smile; we have reducing safetyany standards, not any planofontheir reducing of their safety standards, scheduled many appointments for this type of dental scheduled many appointments for this type of dental e will be diligent aswill longbeasdiligent the riskas oflong as the stating “We risk of work for the next work few months.” for the next few months.” mains.”COVID remains.” Dr. Azizi expressed her immense gratitude to Dr. Azizi expressed her immense gratitude to her dedicated team, to all ofteam, their and immediate herand dedicated to all of their immediate family members that hadmembers to risk living a health family that with had to risk living with a health care provider during pandemic. “It the hasn’t been “It hasn’t been carethe provider during pandemic. easy, but knowingeasy, that we providing patients butare knowing that our we are providing our patients with the best care with has made it all worth the best care has it.” madeDr. it Azizi all worth it.” Dr. Azizi shared, “We are humbled by their support shared, “We are continued humbled by their continued support and trust in our care.” and trust in our care.”

Before / After

Before / After

essential oral health appointments, Vineyard Beyond the essential oral health appointments, Vineyard surprised by the of Dental wastremendous surprised byamount the tremendous amount of l toothprofessional whitening, and cosmetic enhancetooth whitening, and cosmetic enhancehave been scheduled, Dr. Azizi which Dr. Azizi ments that havewhich been scheduled, o a yearattributes of mask-wearing. to a year of mask-wearing.


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Contents MARCH 2021

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

FINANCIAL ISSUE O N T H E COVE R

4 12 18 22 26

4 VINEYARD DENTAL 1103 Trancas Street, Suite A 707.255.1172 YourNapaDentist.com

26

"The George" Goodman House - The Handsomest House In Town

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­ UBLISHER | Napa Marketplace Publishing, Inc. P EDITOR-IN-CHIEF | Connie Anderson SALES EXECUTIVES | 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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Napa Health Watch Doctors of The Valley: Nancy Azizi D.D.S. of Vineyard Dental Feeling Lucky? We Could All Use a Bit of Luck! By Lisa Adams Walter Ann McCarthy Cash - A Fairy Tale Life By Kathleen Reynolds Smart Ways to Transfer the Family Business Merrill | Money Sense "The George" Goodman House The Handsomest House In Town By Craig Smith Winter Gardening By Jane Callier, UC Master Gardener

Winter Gardening

CONTRIBUTING WRITERS Jane Callier, UC Master Gardener Kathleen Reynolds Craig Smith Lisa Adams Walter

napavalleymarketplacemagazine nvmarketplace nv_marketplace

The Marketplace Magazine© is a division of Napa Marketplace Publishing, Inc. Copyright© March 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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Residential - Commerical

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Feeling

S

Lucky?

W E CO U L D AL L U SE A B IT OF L U CK!

T

By Lisa Adams Walter

The dawn of March makes many of us feel green, in the spirited, let’s have some fun, St. Patrick’s Day is coming, sort of way. Thinking ahead to what here in the United States has become known as a day filled with the frivolity and luck, made me think about the feelings of luck overall. It is a bit exhilarating when one experiences luck! Yet, what is it that defines luck, and what makes one feel... lucky? Of course, there are two types of luck: good luck and bad luck. I will admit, I prefer the first. I am all for good luck! Many sources historically attribute the word luck of Middle Dutch origin, coming from luc, a shortening of gheluc which means “happiness, good fortune,” yet it may have made its way into the English language as a gambling term. Thank

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goodness I am not a gambler, I’ve never felt particularly lucky when parting with my cash. The Irish seemed lucky in earlier centuries here in America, as many were involved in mining. Therefore, when a fortune was discovered deep underground, the mining term the “Luck of the Irish” was born due to the heritage of many hardworking miners. There is also a certain amount of superstition associated with luck. Many athletes wear lucky items, such as a lucky jersey or lucky socks, these are known as lucky charms (and not the edible type!). Some fans sport a lucky hat or sit in a lucky area of a stadium or arena to help their hopefullywinning team. Some of us claim that we have a lucky number, I certainly have mine. We all know that there really


Which leads me back to St. Patrick’s Day. It’s always fun to hunt for leprechauns, dress up in green, avoid getting pinched, enjoy some corned beef and cabbage, meet up with some friends, and have an Irish coffee or green beer on March 17.

isn’t anything positive associated with a VERY superstitious number: 13. Have you ever noticed that in hotels and high-rises (not common around here), the thirteenth floor is often missing from the elevator control panel? Clearly, that floor exists. But it isn’t called 13! Architects reassign the floor numbers to appease human distress. I discovered that the superstition associated with that number between 12 and 14 is so common that it even has its very own name, triskaidekaphobia. Thankfully thirteen does not adversely impact me, I have NO idea how that is pronounced.

This year, while we can still meet up in our safe bubbles, public celebrations will not be happening. I am counting my blessings, that we have all made it through this past year all the way to now. Like many of you, my family has suffered some heartbreaking and devastating losses. Let’s think positive, hope for health and safety, and count on a bit of luck. Join me in celebrating at home this month, and feeling lucky that we can be together in our small groups, looking forward to many celebrations to come!

It seems that most of us associate luck with positive feelings. I have been fortunate to find dozens of four-leaf clovers over the years. For some possible lucky reason, I have repeatedly been spotting them near my home over the past three years. I cannot help but to think that there must be a pot of gold nearby too. Fingers crossed! According to Psychology Today, luck may strongly be an attitude, “Clearly, believing oneself to be lucky is a more optimistic attitude than considering oneself unlucky, and can lead to taking greater and more frequent risks that can potentially result in greater rewards.” Definitely, I am a “the glass is half full” kind of gal! Okay, perhaps my positivity is the key that makes me feel lucky. Why not? If I have a choice, I would rather feel lucky than not. “Count your blessings,” I often exclaim!

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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. 12/2019 (1020-6461) LR 2020-666

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ANN MCCARTHY CASH

y r i a AF T

The Ireland of Ann McCarthy Cash’s childhood wasn’t a current visitor’s version of green rolling hills and bucolic splendor. Rather it was of dampness, cold and hunger. For Ann grew up in the poorest part of Limerick, the same setting as Frank McCourt’s book, Angela’s Ashes. In fact, her mother knew Angela.

ANN MCCARTHY CASH AND HUSBAND ALAN

“We had no money,” says Ann. “My father left my mother with six children while he joined the British armed service for work. He died when I was six.” The pittance her mother made as a scrubwoman barely kept her children fed. “We lived with my grandmother because she had a small pension,” Ann says. To Ann, school was a reprieve. “I wanted to learn things. But there was no one to guide me.” Yet there was a spark in Ann McCarthy that went beyond her wild red hair.

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“I was always in trouble,” she says, which included an unauthorized trip into town one day. “It was the beginning of my fairy tale,” says Ann. For at Woolworth’s, Ann met a well-dressed tourist who took a liking to her. The feeling was mutual. Unbeknownst to Ann, the woman was the acclaimed novelist and screenwriter Jessamyn West, author of The Friendly Persuasion (shortened to Friendly Persuasion for the film). Jessamyn’s husband was Harry Maxwell (Dr. Mac) McPherson, who at the time was superintendent of the Napa Schools. He went on to found Napa Valley College and had an affinity for Ann because of her interest in learning. At the end of their vacation, Jessamyn and Mac presented Ann’s mother with an unusual request. “She asked if I could come to America to live with


e f i L Tale

by Kathleen Reynolds

1956 - ANN MCCARTHY CASH

“St. Patrick’s Day here made me sad. In Ireland, we’d wear green ribbons in our hair. We’d visit graveyards and talk about those no longer with us. There were bonfires in the neighborhood square and we’d sing the old songs. It was always lovely.”

them,” Ann says. “My mother didn’t want me to leave, but knew she knew it was a chance at a better life.” After much discussion, Ann’s mother agreed that she could go, if they took her sister Jean as well. Ann says she was frightened yet excited to leave Ireland. “In fairy tales, there’s also a dark side,” says Ann. Ann was raised in the Catholic faith and, in 1956, the Church held great influence over the Republic of Ireland citizenry. Their concern was a Catholic child going to live with West and McPherson, who were Quakers.

After many months of wrangling to obtain visas, West turned to her second cousin, Richard Nixon, then Vice President of the United States, to intercede with the American Ambassador William Taft in Dublin. Two days later, the girls had their visas. Jean didn’t embrace America nor connect with Jessamyn. By 1957, homesick and not adapting, Jean returned to Ireland. Ann stayed and the family moved to Napa. She was happy in school and comfortable with Jessamyn and Dr. Mac, but nostalgic for her family and Ireland.

Ann returned to Ireland a few years later, but was met with no enthusiasm. “Jean had told them that I was the cause of her being sent home, which wasn’t the truth.” Ann was now a stranger in two lands. “I didn’t fit in here or there.” Her only option was to go to work to help support the family. She and Jean found factory jobs in Birmingham, England. A year later, Jessamyn and Mac visited. “They wanted me to return to California and I wanted to go. By then I’d missed a year of school.” Her previous visa problems remained, but ultimately, she returned to the United States. At Napa High she had numerous friends and at 17, met a tall, darkhaired boy named Alan Cash at a

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party. “There was something about him and as I stood there talking, I don’t know what came over me. I put my head on his chest.” She told Jessamyn that she was going to marry him. They dated for two years. During that time, Alan attended Napa Valley College and was in the National Guard. Ann worked in San Francisco at the telephone company. They eloped to Carson City when she was 19. In those days, the groom needed to be 21. Alan’s mother had to send a telegram to authorize the marriage. Like many newlyweds, they worked, scrimped and saved, but both attended colleges. “Alan got his master’s degree at Cal Berkeley and I graduated from San Francisco State,” she says. “Education was always important to us.” Alan went on to teach for 16 years at Berkeley Unified School District, then sold real estate before settling into his current career as co-owner of Schrette Insurance. Ann’s varied career included being a member of the Board of Education, Director of the Napa Valley College Foundation, and as a partner of Cash Malmgren Communications, consultants for non-profits. In his final years, Ann left work to care for Mac, who had formally adopted her in 1990. He lived to be 99. died in 1984. Ann’s sister Jean eventually returned to the United States, but neither have visited Ireland since their mother passed away. To update Ann’s fairy tale, the couple have two “amazing” grown daughters, Lysa and Mollie. Both received excellent educations and pass their love of learning on to the Cash’s five grandchildren. Now St. Patrick’s Day is a very happy celebration.

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money sense

Smart Ways to Transfer the Family Business Three ways to create a meaningful legacy while generating a healthy retirement income for yourself For most business owners, retirement is either a subject they welcome or the last thing they want to think about. If you’re looking forward to that day, you’ve probably already started preparing to move on from your business. “For many business owners, their retirement plan is their business,” says Judith Anderson, senior vice president, Retirement Personal Wealth Services, Bank of America Merrill Lynch. If you’re not thinking ahead, bear in mind that there are very real advantages to beginning to prepare for it now. “Small business owners typically re-invest their profits back into running their business and generally do very little planning ahead for a retirement that may be five, 10, 15 or more years down the road,” says Anderson. Selling your business at retirement will supplement your income, but it shouldn’t be the only asset you have to rely upon, says Anderson. “Instead, in anticipation of that day, choose an actual retirement plan that fits your needs.” Taking the time to plot your company’s future can ensure that you leave on your own terms. It also puts you in a better position to retain control, at least during any transition period, so that proceeds from your business — which in many cases are your biggest asset — have the greatest potential to provide you with strong, steady retirement income. Ask yourself these questions as you begin to create a plan to help meet your needs.

What’s your company’s real value?

Many privately held companies reflect the people who’ve built them. In some cases, the owner is the business, begging the question, “Can your business still survive after you sell it?” As you assess your company, Anderson suggests thinking about what your business is actually worth. Consider if that value could be enough to base your retirement on, notwithstanding other savings and investments that you may have. If you conclude that the company is viable without you there to run it, your next step is to get an accurate valuation of its worth, says Joe Astrachan, emeritus professor of management at Kennesaw State University in Georgia. That’s essential not just for a sale, but also in consideration of taxes and to help you gauge how much retirement income you might expect. A professional valuation and tax expert can help you look past your emotional attachment to the company, gauge its true value as well as the market for such a business, and arrive at a realistic number.

What are your retirement income needs?

million for individuals and $22.80 million for married couples in 2019.) This gives business owners considerable latitude to transfer a part or all of the company as a gift. You may owe taxes on amounts exceeding the exemption, but once the business is out of your hands, it’s no longer part of your estate, and future growth of the company won’t subject your estate to additional taxes. You might sell the business by providing financing assistance. You may choose to sell the business to heirs — or an outside buyer — by lending them the money through a note sale, which allows the buyer to pay you back directly. The advantage to you is a steady stream of income from the principal and interest from the loan for an agreedupon period. You could execute a partial sale while retaining a portion of business assets and income. You may pay capital gains tax on any profit from the sale, but you’ll also get a steady income from rent or lease of office space or other assets. Whatever choice you make, a smooth transition can be the crowning legacy of the years of care and effort you’ve poured into your business. It can also leave you with income to support your life’s next act, or in some situations keep you involved in a business you love. And you can have the satisfaction of knowing that your vision has the potential to live on for generations to come.

How can you structure the transfer?

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.

If you’re planning on selling your business, Anderson advises that you determine how much income you’ll need to support your lifestyle and retirement goals, and what portion of that will come from the sale of the business — as compared with your investments and other assets. Keep in mind, too, that merely matching your current salary in retirement may not be enough if the business has also been paying for things like health insurance, car leases, club memberships and tax preparation — expenses that you’ll have to start covering yourself. “Some owners may be used to living a $400,000 lifestyle on a much smaller income from the business,” Anderson says. “It can be a shock to discover what it costs to replace those things.” Consider that selling your business at retirement will supplement your income, but it shouldn’t be the only asset you have to rely upon, says Anderson. “Instead, in anticipation of that day, choose a retirement plan (such as a SEP IRA, individual 401(k)/401(k)) that fits your needs.” Even after receiving a lump sum from a sale, many former business owners can stay involved and earn income by serving on the board of directors or consulting. You might even continue helping out in day-to-day operations in a reduced but vital role such as serving clients who’ve been with the company for years and are used to working with you. If you own an office building or other physical assets, another option for generating retirement income is to retain those assets and lease or rent them back to the business. Astrachan recommends that such arrangements be agreed upon beforehand and spelled out clearly in the formal transfer or sale agreement with the new majority owners. That should also be the case if you’re turning the business over or selling it to other family members. If you plan to transfer the business to family members or longtime employees, rather than sell to an outside buyer, weigh these options. Each has its own advantages. Consider transferring the business as a gift, and drawing an income from the new owners. In late 2017, Congress increased the lifetime gift exemption to $10 million for an individual — $20 million for married couples — and set it to adjust annually for inflation. (The exemption is worth $11.40

This material does not take into account your particular investment objectives, financial situations or needs and is not intended as a recommendation, offer or solicitation for the purchase or sale of any security, financial instrument, or strategy. Before acting on any information in this material, you should consider whether it is suitable for your particular circumstances and, if necessary, seek professional advice. Any opinions expressed herein are given in good faith, are subject to change without notice, and are only correct as of the stated date of their issue. Bank of America Merrill Lynch is a marketing name for the Retirement Services business of Bank of America Corporation (“BofA Corp.”) Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Merrill, nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions. © 2020 Bank of America Corporation. All rights reserved. | MAP2960425 | WP-11-20-0430.A | 472503PM-0420 | 11/2020


When the world changes, rely on us We can provide customized, comprehensive advice and guidance to help you stay on track and pursue your goals. Call us to talk it through.

The Gonzales Group Eric F. Gonzales Senior Vice President Senior Resident Director – Wealth Management Advisor

Merrill Lynch Wealth Management Riverfront 700 Main Street Suite 200 Napa, CA 94559

707.254.4606 eric_gonzales@ml.com

fa.ml.com/gonzales_group

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 products:

Are Not FDIC Insured

Are Not Bank Guaranteed

The Bull Symbol is a registered trademark of Bank of America Corporation. © 2020 Bank of America Corporation. All rights reserved.

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Goodman House “ THE

GE O R G E ”

THE HA NDSOMEST HO USE IN TOWN

by Craig Smith

W

When it was nominated for the National Register of Historic Places in 1993, the Goodman House at 492 Randolph was described as “one of Napa’s most successfully executed examples of late nineteenth-century residential architecture.” The write up went on to say, “When compared with the hundreds of other residences from that period in Napa, the George Goodman Jr. House emerges as one of the ten or twelve most significant.” Shortly after the house was built in 1891, a local journalist called it, “the handsomest house in town.” Although it was widely reported that banker George Goodman Sr. built the home as a wedding gift for his son George Jr., this was a misconception. The house was actually financed by George Jr. himself. Construction took

ten months, and was noted at the time for “its modern conveniences, including fire hoses discreetly located at each floor; electric start buttons (or switches) for the gas-electric combination lights, a security system with alarms and special non-skeleton key locks, and indoor plumbing that was eventually connected to the city’s future sewer lines.” The Register made a point of noting there was no outhouse located on the residence’s 3/4-acre parcel. Unfortunately, after living there with his family for only 2 ½ years, George Jr. died of tuberculosis. His wife and daughter returned to San Francisco, and the home was sold several times in the following decades. Sadly, the building, which was already suffering signs

Photo credit: Napa County Historical Society 26

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Vista Collina Premier King Room

of disrepair, was badly damaged by the 2014 earthquake. It might have been left to further decay if Patty Theodorides and her daughter Kiki hadn’t driven by it several times. “We used to see this place and think, something like this would be great to bring back to life,’” said Kiki, “but it wasn’t for sale.” Until it was. In 2016, the house went on the market and was purchased by Patty. Together with her daughter Kiki and son George (all three coincidentally bankers, just like the Goodmans), 28

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they began an extensive renovation of over $3 million dollars and converted it to a boutique luxury inn. “The house was dilapidated,” said Kiki. “The foundation was badly damaged and there was lots of dry rot and earthquake damage. Besides having to repair all that, the building needed all new electrical, HVAC, fire sprinklers and plumbing. The property presented a lot of original architectural details that were able to be restored, such as inlay hardwood floors, main staircase wooden banisters, and stained glass

windows, including one depicting doves, a feature touted when the house was first built. On the first floor, the Theodorides family added a gorgeous demonstration kitchen which is open to the grand living room. “The third floor needed a lot of thought and planning”, said Kiki. “Being the attic, we needed to make sure it was appealing, so we opened up the space by exposing the interior ceiling peaks and uncovering the beautiful wooden support beams. These decisions have now made these some of our most welcoming rooms.”


One of the alterations done many years prior to the Theodorides ownership was the enclosure of the front porch. This is now the dining room where local Italianborn artist Fabio Sanzogni painted an amazing mural, which is a true work of art. As for the exterior paint, the level of detailing called for a color expert. “We brought in Bob Buckter of San Francisco to select the color pallet. He has the experience and does a lot of fine detail work on Victorians in San Francisco,” said Patty. The Theodorides used mostly a local craftsman for the project. Juan Chavez with JMC Construction. “Juan Chavez was amazing, he really worked well with our family,” said Kiki. “Juan and my father Jim, who project managed March 2021

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along with my mom, remedied many critical obstacles.” This month, “The George,” as they named it, will be set to open for guests. The name is homage to the late George Goodman Jr. Or is it? Patty jokes that the name could come from her family’s Greek heritage. “George is a very Greek name,” she noted. “My father, my son, my grandson, my uncle, my father-in-law are all named George.” Either way, the newly refurbished boutique luxury inn is stunning, and adds even more character to the neighborhood. “We were aware when we started that making these kinds of changes could be emotional for many of our neighbors. Fortunately, we’ve had a lot of really positive support,” said Kiki.

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WINTER GARDENING by Jane Callier, UC Master Gardener

HOT LIPS SALVIA

A

wet El Niño would be abundantly welcome and would bring great peace of mind. A well-watered plant is better equipped to withstand cold weather, and it’s time to start thinking about frost protection for sensitive plants. A priority for most gardeners is to protect their citrus trees. Siting

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plants according to the best, local microclimate available is a valuable boost to success in growing them. The sun is further south in the winter time, so frost-sensitive plants such as citrus benefit from a warmer, sunny, southern exposure. Other microclimate factors affecting heat retention are plants or fences that work as windbreaks,


proximity to walls or a swimming pool that retains heat. It can be a matter of the only one or two degrees this protection offers that might determine whether 20% or 80% of your fruit freezes during a cold snap. Fall is the best time to plant perennials. They will establish their roots and be ready to grow in the spring and more able to withstand the oncoming heat of summer. Selecting plants that are suited to California’s summer; dry, Mediterranean climate are the best candidates. Also, select plants with the goal of providing pollinators with year-round pollen and nectar. Some very easy-to-grow and easy-to-care–for, “bulletproof” plants, that meet both of these qualities are in the salvia family. Consider ‘Hot Lips,’ a plant that is always smiling, or ‘Black and Blue’ with its dramatic, black calyces (the part that hold the petals). They bloom from early spring until very late in the fall and the bees seem to be dizzy with happiness gathering their nectar. Salvia is a huge plant genus, with an almost–unlimited, color palette that will suit every taste. For pollinators still active in the dead of

BLACK AND BLUE SALVIA

winter, some flowering plants are clover, often grown as a cover crop, camellia, manzanita, flowering quince, flowering currant and witch hazel. Intrepid gardeners might also try a winter daphne. The daphne has a well-earned reputation of being finicky to grow, but if it’s successful it will be one of the most cherished plants in the winter garden. Their out-of-this-world fragrance is discernable many feet away from the plant. In the best of conditions it is a relatively short-lived plant, rarely lasting more than 8 years. Winter daphne has been described as “at least having the decency to usually die quickly instead of lingering for years.” A garden landscape changes over time, and maybe some plants need to be transplanted to a more suitable site. For example, maybe a neighbor’s tree has grown too large and now shades plants that need to be in the sun. If plants aren’t too large to move, a transplant shovel that tapers to a narrow blade can be used for precise digging around the intended candidate without


RUBY-THROATED HUMMINGBIRD AND BLACK AND BLUE SALVIA

disturbing neighboring plants. Fall is the perfect time to divide and transplant perennials. Dividing a large perennial will reinvigorate the plant. In general, springblooming plants should be divided in the fall, and fallblooming plants should be divided in the spring. Keep your transplants cool and moist. It’s too late to start winter vegetables from seed, but you can try starts that are still available at nurseries. Harvest dates depend on weather and continue until hot weather comes. Warm soil conditions favor growth, and Napa County has had a very warm fall. When frost comes, it’s welcome in crops like kale, bringing out its sweetness. When the temperature drops too far, growth will stop until the weather warms. Chard can be planted any time. Garlic, shallots, leeks and onions can be planted in November, and spinach can be planted from September through April. Plant some bulbs for spring bloom. Prepackaged bulbs are less expensive, but they are usually smaller and may produce less reliable blooms. Instead, choose heavy, dense bulbs with no decay, mold or fungus. Many gardeners in mild climates practice “pre-chilling” such bulbs as crocus, hyacinth and tulips in order to produce longer stems and better flowers. Tests done in Northern California by Sunset magazine with the UC Master Gardeners showed some surprising results. Pre-chilling these bulbs produced normal blooms and very little difference in height. Chilling is optional for Bay Area gardeners. For best selection, now is the time to place orders for dahlia tubers. Many popular varieties sell out 38

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quickly, and growers can only predict the number of tubers that a plant will produce. Check the UC Master Gardeners of Napa Valley website: ucanr.edu/sites/ucmgnapa/ for more gardening resources, including A Month By Month Guide to Gardening in the Napa County.

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