Our Town Magazine (Vol. 3. Ed.1.) is a bi-monthly magazine published by RIT Media LLC. The contents of this publication may not be reproduced without written authorization from the Owner of RIT Media. The publisher is not responsible for the authors’ opinions or comments or the advertisers’ promotions of their individual businesses.
PUBLISHER’S LETTER
HAPPY NEW YEAR!
2025 is here and we are “over the moon” to be able to share it with you! We strive to have articles readers can relate to and provide resources to help you get the information you need using local contacts and businesses. With that in mind, we have been hard at work talking with our friends and neighbors and realizing that there are seasons of life we all have in common but may not be fully prepared for. When the time comes for your retirement or to take care of those who took care of you; our parents, grandparents, elderly family members, and loved ones, we can feel inadequate and uninformed. We have put together a year-long series and gathered information to help you prepare for this season of life.
We are kicking off this year with Dr. Hank Martin and his wonderful staff at Cardinal Wellness and Aesthetics. Dr. Martin is truly a gift to everyone he meets and his approach to an active lifestyle at any age is remarkable! I encourage you to learn more about his practice and visit him to form your own opinion. You won’t be disappointed! He is all about helping you “live your best life”.
You’ll also find useful information about educational choices in the area. There has been tremendous growth in private and charter schools over the last few years and we wanted to give you some insight on a few of them to help you make important decisions concerning your children.
And we can’t leave out one of the biggest Hallmark holidays of the year. We have something special for singles in the featured article, Party of One; learn how to find and enjoy yourself on Valentine’s Day. Alone doesn’t mean lonely in this town! Sometimes it can be a challenge for couples to create unique ways to spend special evenings together, such as Valentine’s Day, or weekly date nights. It is always a challenge with my husband, Brian, when one asks, “Where do you want to go for dinner tonight?” I like the idea of having no plan on hand. What do you plan to do this Valentine’s Day?
I cannot thank my awesome advertisers, my amazing staff, and all of you enough for the support that has been poured into Our Town Magazine in 2024. I am eager to see what 2025 brings and with my eyes up, I will focus on bringing you all the best that Lexington County has to offer. Blessings on your health and prosperity for the new year!
Hope to see you out and about in 2025!!
Local Events: January/February
HIGHLIGHTED EVENT
FRIDAY, JANUARY 24-SUNDAY, FEBRUARY 2
Murder on the Orient Express
Village Square Theatre
105 Caughman Rd., Lexington, various times
Agatha Christie’s fiction novel is portrayed live on stage. Be a witness to this classic directed by Hans Boeschen and enjoy the performance as the artists showcase their talents for one and all to see.
VillageSquareTheatre.com
WEDNESDAY, JANUARY 1
New Years Day!!
Make your New Year’s Resolutions and enjoy the traditional meal of collard greens and black-eyed peas over rice (also known as Hopping John) in hopes of a prosperous 2025!
FRIDAY, JANUARY 10
FRIDAY, JANUARY 10
SATURDAY, JANUARY 11
100 Years of Athletic Excellence Celebration Lexington High School Gym 2643 Augusta Hwy., Lexington, 5:30pm The fun starts with the Hall of Fame Mingle and heavy appetizers throughout the evening as you watch the Lexington Wildcats’ actionpacked game against the Irmo Yellow Jackets! We hope to see many generations there! No outside food or drinks allowed, must be 21 or older to purchase. LexingtonWildcats.com
Murders and Mysteries
Irmo Walking Tour Irmo Town Park 1227 Lexington Ave., Irmo, 8pm
Learn all about the murders, mysteries, duels, and lynchings that occurred in Irmo and the Dutch Fork as we take a leisurely walk through downtown Irmo. This is a free event and reservations are not needed. Because of the mature subject matter, attendees must be 18 or over or have parental permission. Museum@LexingtonCounty. sc.gov
100 Years of Athletic Excellence Celebration Icehouse Amphitheater 107 West Main St., Lexington, 5pm Gates open at 5:30pm with dinner and presentation, then Tokyo Joe hits the stage at 7pm! There will be a silent auction for the duration of the evening; dinner and entertainment are provided! We hope to see many generations of athletes there! No outside food or drinks allowed, must be 21 or older to purchase. Events will happen rain or shine! Heaters will be provided if the temperature gets too cold. LexingtonWildcats.com
MONDAY, JANUARY 20
Presidential Inauguration Day
U. S. Capital, Washington, DC, 12pm
According to the 20th Amendment of the Constitution, the term for President and Vice President begins at noon on January 20th of the year following a presidential election.
THURSDAY, JANUARY 23
Protect Young Eyes-Free Workshop for Parents RADIUS Church
300 West Main St., Lexington, 6pm
Radius Church is partnering with Protect Young Eyes to offer solutions to a digitally safer home. The seminar is free of charge, open to the public, and all parents in the area are invited. Get ready for a ton of practical tips, solutions, and ideas you can implement immediately.
RadiusChurch.org
SATURDAY, JANUARY 25
Chapin Town Hall Trails
Improvements
157 NW Columbia Ct., Chapin, 8am-2pm
Join Cub Scout Pack 411 to improve the Chapin Town Hall trails! They will be enhancing the quality, accessibility, and safety of the existing trail system, aiming to improve user experience and environmental sustainability to accommodate increased foot traffic and diverse recreational activities.
BsaChapinsc411@gmail.com
FRIDAY, FEBRUARY
7-SUNDAY, FEBRUARY 9
Ringling Bros. and Barnum & Bailey Circus
Colonial Life Arena
801 Lincoln St., Columbia, various times
The circus is in town! Jaws will drop as you watch the triangular highwire, the world’s tallest unicycle, a criss-cross flying trapeze, stunt bikes, the Double Wheel of Destiny, a human rocket, clowns, aerobatics, aerials, and live musical performances! This event is jam-packed for a night full of family fun!
Ringling.com
SUNDAY, FEBRUARY 9
Riverstone Live
Hazelwood Brewery 711 East Main St., Lexington, 3pm-6pm
Don't miss this free concert by acoustic pop/rock/ Americana duo, Riverstone, playing their infectious studio originals and unique spins on your favorite covers.
RiverToneDuo@gmail.com
THURSDAY, FEBRUARY 13
Lexington Chamber and Visitor’s Center LEXPO Annual Event
It’s Lexpo time, Lexington’s largest business expo! This event provides an opportunity for more than 90 businesses to network, promote their business, and showcase their products and services to both current shareholders and the general public.
LexingtonChamber.org.
FRIDAY, FEBRUARY 14
Valentine’s Day
Don’t forget to drop by locally owned businesses in the area to see if you can find your sweetheart a unique gift or take them dining at one of the many local restaurants! If that is not your thing, opt to stay in with your love and enjoy a quiet evening at home. And for you singles…be sure to read “Party of One” in this edition and enjoy the evening any way you choose!
SUNDAY, FEBRUARY 16
11th Annual Lexington County Chili Cookoff Icehouse Amphitheater 107 West Main St., Lexington, 12pm-5pm
This event allows attendees to sample outstanding chili, vote for their favorites, and raise money for the Town of Lexington Police Foundation and other Lexington County charitable organizations. Tickets are on sale now!
Etix.com
Private and Charter Schools:
Finding the Right Fit for Education
by Marilyn Thomas
Every year, American school-aged children spend an average of 1,000 hours in a scholastic setting. Since so much time is invested in building a strong educational foundation, choosing the best academic fit is a priority for many parents. In South Carolina, public charter and private schools are two of the alternative academic options offered within the greater Midlands area.
ALA Charter School
The American Leadership Academy (ALA) is a tuition-free charter school for kindergarten through high school students that opened in the fall semester of 2023. Located at Innovation Place in Lexington, “ALA provides a safe, structured, and supportive learning environment for all students,” says Ray Canady, the school’s Athletic Director. According to the South Carolina Department of Education, a charter school is defined as “a public, nonreligious, non-home-based, nonprofit corporation forming a school that operates by the sponsorship of a public school district, the South Carolina Public Charter School District, or a
public or independent institution of higher learning.”
“Charter Schools have flexibility and provide a choice for parents and students,” explains Director Canady. “Different charter school options allow parents to pick an environment they think is best suited for their child to get them ready for college, the workforce, or military.” Director Canady says that ALA “offers an education in support of families in a moral and wholesome environment” by emphasizing core values represented by the acronym R.A.I.S.E., which stands for Respect, Accountability, Integrity, Service, and Excellence.
“Our Athletic Department ensures our student athletes have the same experiences as students at traditional schools,” he adds. As a Class AA Region 2 school and member of the South Carolina High School League, ALA offers the main sports sanctioned by this organization.
ALASchools.org
803-756-272
Heritage Christian Academy
Founded in 1996 and located on Barr Road in Lexington, “Heritage Christian Academy is the only Christian school in the area that utilizes classical Christian education. This educational path establishes a biblical worldview, incorporating the natural, God-given phases of child development, cultivates the seven Christian virtues, and trains students in reasoning,” says Jill Jett, Heritage’s head of school. “We believe that private Christian education provides our students with the opportunity to learn in an
encouraging and rigorous environment that fosters learning,” adds Principal Christie Hamilton. “We desire to meet each child where they are and provide them with an education that will challenge them, while also instilling in them a love of learning.”
To promote an academically oriented environment, Heritage maintains smaller class sizes that average 10-12 students. In addition to teaching staple and unique subjects like cursive writing, computers, music, and Latin, the school’s K4-eighth grade students also enjoy extra-curricular activities such as tennis, cheerleading, chess club, and student council. “I have worked at Heritage for over half of my professional career,” says Principal Hamilton, “and can say that I have seen many students go through our school of grammar, into the school of logic, and excel as they move into high school. This school prepares students in an incredible way for their academic careers.”
HeritageChristian.com
Northside Christian Academy
Northside Christian Academy (NCA), a private school located in Lexington County, was officially launched as a ministry of Northside Baptist Church in the fall of 2011. “The vision of Northside Christian Academy is to trust our Lord as we seek academic and biblical excellence,” says Scott Crede, Co-Founder, current Head of School, and Executive Pastor of Northside Baptist Church.
“We believe this will be accomplished with much prayer, commitment, and great leadership among the administration and faculty, supported by a strong base of parental involvement,” he continues. “Our goal is to prepare students to be fully devoted followers of Jesus Christ so that
the generations to come might know Him (Psalm 78:4).”
According to Pastor Crede, in addition to “being able to build a foundation with students with Christ as the foundation,” some of the other advantages of attending NCA are its affordable tuition, excellence in academics, and extracurricular activities, which include 16 athletic teams, an afterschool arts academy, a robotics team, a chess club, and choir, band, and worship arts.
Since its inception, the school has expanded to two campuses with K3 through twelfth grade offered at its location at 4347 Sunset Boulevard in Lexington and K4 through fifth grade available at 742 Kitti Wake Drive in West Columbia. NorthsideChristianAcademy.org
South Carolina Whitmore School
South Carolina Whitmore School (SCWS) “is a flexible, inclusive, and personalized learning environment supporting students while in high school to follow their next steps to college, career, or military,” says Kim Dunbar, the executive director of SCWS. A charter school established in 2011, “SCWS offers a unique approach to education,” she adds. “This self-paced, alternative online learning model allows students to advance through online courses at their own pace.” Whether an accelerated learner who endeavors to graduate early or a student struggling to keep up in the traditional classroom setting, SCWS “serves as an alternative high-quality educational option.”
Although its physical address is 501 Commerce Drive in Columbia, SCWS serves “the entire state virtually while offering in-person events such as prom, graduation, and field trips,” Director Dunbar explains. Additionally, the institution provides a full-time graduation coach, a student resource coordinator, a school counselor, and instructors who offer individualized assistance.
“We serve all students whether they are high achieving, behind in credits, require special education services, or are suffering from mental health issues,” says Director Dunbar. “We have proven that students can excel and reach their potential at SCWS.”
SCWhitmoreSchool.org
Keeping a Promise for 75 Years
How Three Generations Built a Reputation of Quality & Trust
Three generations and 75 years later, Clyde Nettles Roofing has an amazing history in Columbia. Started in 1950 by Mr. Clyde Nettles, Sabin Nettles and Neclause Porth, they built an amazing name for themselves in the roofing, painting and carpentry repair business.
Mr. Nettles retired in 1983, and sold the company to the Porth brothers, Tony, Albert and Jamie. Tony, the eldest son of Neclause, had been managing part of the business since his father passed in 1966, and had proven himself to be an honest businessman and trusted friend to the community. Mr. Nettles agreed to let Tony, Albert and Jamie Porth continue to use the company name under the promise they would always stand behind their craftsmanship, so as to never tarnish his reputation or embarrass the Nettles name.
When Tony passed in 1997, his wife Suzette, brothers Jamie and Albert, and his two children Nikki Porth Harmon and Andy Porth continued to keep that promise alive.
Just after Tony’s passing, his son Andy began working full time, and became the third generation of family ownership.
Suzette Porth retired in 2014. Jamie Porth recently retired in 2022 after completing one of his largest commercial painting jobs to date.
As Andy and his wife Amber continue building the company’s strong reputation, they have never forgotten the core values of high quality craftsmanship, excellent customer service and most importantly, establishing trust with every single client.
Andy was approached almost 20 years ago by major insurance companies to travel across the US and help with large loss claim estimates. This expansion on the company is a direct reflection on the integrity, honesty and experience level of Clyde Nettles Roofing.
“We’ve built a reputation as the most trusted roofer in the Carolina’s since 1950.”
But make no mistake about it – when asked their secret to keeping a successful business open for three quarters of a century, they attribute everything to two groups of people that matter the most: their loyal customers and highly dedicated staff.
The Clyde Nettles staff has the most combined roofing experience in the entire state of South Carolina and they take extreme pride in every project. No one cuts corners and they aren’t paid off of commission sales. This ensures an unmatched level of customer service that has earned them the nickname, “the Carolina’s most trusted roofer.”
For roof repairs or replacements, from custom flashing to copper pan installations, Clyde Nettles is proud to serve the community and stand behind their work 100%.
Andy & Amber Porth
Clyde Nettles Roofing
ClydeNettles.com • 803-754-ROOF (7663)
Andy Porth, 3rd Generation, Clyde Nettles Roofing
Clyde Nettles Roofing • 3665 Augusta Highway
Gilbert SC
One is Silver and the Other is Gold
“Love is the irresistible desire to be irresistibly desired.” -Robert Frost
Romance is a concept that can make our hearts flutter or our eyes roll. Perhaps our upbringing and the types of relationships we have witnessed during our early years most influence our perception. Perhaps personal experience with love lost is most influential. Our longing to be desired, loved, and understood is not limited by time or age. Americans are living longer and healthier than ever before. In 2022, the average 65 year-old was expected to live another 18.9 years (National Center for Health Statistics. Mortality in the United States, 2022).
Positive intimacy has been shown to improve health and wellbeing by lowering stress levels, increasing healthier behaviors, and prolonging lifespans. A number of factors affect our ability to create and sustain lasting intimate relationships, including marriage, divorce, and widowhood.
According to the U.S. Census Bureau report “Number, Timing, and Duration of Marriages and Divorces 2016”:
• At least 9 in 10 adults ages 60 or older have been married
• More than half of all older adults have only been married once
• 43% of adults ages 55-64 & 39% of adults ages 65-74 have been divorced
• Among adults aged 75 or older who had ever married, 58% of women & 28% of men had experienced the death of a spouse during their life
Richard and Joyce were married in February 1948 and enjoyed over 70 years of marriage. Following Joyce’s death in 2018, Richard decided to relocate to a retirement community near family shortly before the COVID pandemic in 2020. In late 2021, Richard excitedly announced that he intended to marry JoAnne, a fellow resident in his community. Though supportive of Richard, this decision came as a surprise to his family as he had not previously shared his romantic interest in JoAnne (or anyone else for that matter). Why had Richard chosen to wait until the announcement of their engagement to inform his family of his new romance?
Richard and JoAnne both believed that any level of physical intimacy would be inappropriate prior to marriage. They had spent several months enjoying each other’s company as friends, but now desired a level of deeper level of intimacy and commitment that to them, required the formality of marriage. Upholding their deep convictions, even later in life, remained a priority.
The newlyweds enjoyed over two years of marriage before Richard passed away–with JoAnne holding one hand in this world and Joyce holding his other in the next.
Each stage of human development, maturation, and growth warrants our attention and care, especially in later life. Although we may delay the aging process, there are subtle and obvious changes in dynamic biological, physiological, environmental, psychological, behavioral, and social processes on many levels. Most people do not realize that advancing age is one of the major risk factors for many chronic diseases, injuries, and ailments. While graying hair and receding hairlines are often benign signs of wisdom and grace, other hidden age-related changes can quickly result in unpleasant or dangerous situations. Ignoring these natural aging signs can result in a decline in daily normal activity and an increase in susceptibility and frequency of isolation, disease, frailty, or disability.
Henry Martin, Jr., M.D. believes that many of these problems begin with the cellular mechanisms of aging (mitochondrial dysfunction, cellular senescence, chronic inflammation, and the inability to repair DNA, etc.). He and his compassionate, highly skilled staff at Cardinal Wellness & Aesthetics on Sunset Boulevard in Lexington strive to provide patients with proven solutions to achieve optimal health, strength, appearance, and confidence.
Growing up in the Forest Acres region of Columbia near Trenholm Rd, Dr. Martin attended St. Joseph's Catholic School. “My grandmother and mother were extremely spiritual and devout Catholics, which molded my worldview, character, and morals.” He was instructed by Ursuline nuns and priests and was a very active and eager student. “I was significantly and positively impacted by my 6th grade teacher, Sister Mary Anthony,” Dr. Martin reminisces. “In fact, she had us write an autobiography as if we were 20 years old. When I read that autobiography 20 years later, it actually predicted almost everything that had happened in my life up until that point.”
Playing sports was always a part of life for young Dr. Martin, being tremendously influenced by his parents. “My mother, who is extremely athletic, gave me every opportunity in every sport, including tennis, and my father guided me in basketball and baseball.” Dr. Martin spent endless hours playing Little League baseball within the community, which paid off. His PONY League team won the Southeastern tournament and participated in the PONY League World Series in Washington, Pennsylvania.
When Cardinal Newman High School opened on Forest Drive in 1960, Dr. Martin was enrolled and played basketball, baseball, and football. “I had teammates in high school, many of which I am still in contact with today,” he remarks. He was inducted into the first Cardinal Newman Athletic Hall of Fame. After securing a basketball scholarship from the University of South Carolina to play under coach Frank Maguire, Dr. Martin had the opportunity to compete with some very
talented basketball players. “I certainly learned a lot about humility during that time,” he explains. "I was able to play for USC against Kentucky in the Kentucky Invitational Tournament in Lexington, Kentucky. In my senior year we were 1 of 8 teams in the National Invitational Tournament in Madison Square Garden, so it was an awesome experience playing in the Garden in New York City. My initial plans were to be a basketball coach.” He was greatly influenced by Dr. Jack Arrants, a volunteer football coach, to enroll in medical school. Dr. Martin was able to squeeze in enough time to help him with a youth football team while he attended school. “Dr. Arrants convinced me that I could do both,” Dr. Martin explains. “Up to this point, all my efforts were to improve myself, but it was apparent to me that I would like to go into a profession in which I was serving others, like family medicine.”
Dr. Martin relocated his family to Lexington in 1976 where he established a family medical practice that lasted 42 years. “I cherish the relationships with my patients during those times and I really missed them when I retired from family medicine,” he explains. He practiced inpatient and outpatient medicine at Lexington Medical Center and coached boys and girls AAU basketball. While he practiced at Lexington Family Practice he also volunteered as a team physician for several different high schools, primarily Lexington High School, River Bluff, and Dutch Fork. He graciously donated his time and efforts to educational lectures, workshops, and guest appearances at many events and conferences.
“The more I understood about preventive health through optimizing
nutrition, exercise, and sleep, as well as hormones and peptides, the more I wanted to share it with others,” says Dr. Martin. “My life experience has given me an understanding of God's goodness and the fundamentals of human physiology and anatomy, enlightening the things He has given us.” As time passed, Dr. Martin realized that many protocols and initiatives in the medical field did not unveil or treat the root cause of diseases. He started exploring different courses and studies that were not readily accepted by mainstream medicine, becoming certified in age management medicine and bioidentical hormone therapy, initially to protect his wife and himself as they aged. “We only have one body to take care of and we need to do it to the best of our ability to continue to honor and serve Him. This is why I started Cardinal Age Management Medicine Institute, now Cardinal Wellness and Aesthetics. I sincerely enjoy spending an hour and a half with each new patient to help transform their health and their family’s overall health.”
Today Dr. Martin’s motivation comes from a never-ending hunger for more knowledge and training regarding cellular medicine, researching the pathways crucial to superior vitality, strength, immunity, and health, and last but not least, spending quality time with his family. "I have been blessed by the love of a large extended family; my grandmother, the matriarch of our family, started Villa Tronco, the oldest Italian restaurant in the state, in the 1940s,” he says warmly. “My mother has had a huge impact on my life and just turned one hundred years old on New Year’s Eve.” Dr. Martin’s father prepared him with skills on and off the court, demonstrating determination and instilling within him a strong work ethic. “My father was still very active even in his nineties, passing away suddenly at the age of 95. He is an example of a great healthspan as well as a long lifespan, which I desire for everyone. I've been married to my best friend, Katie, for 51 years, and she has been a wonderful mother, wife, and grandmother. Just as we watched our three children participate in multiple sports, we are now enjoying watching our grandchildren compete.”
Cardinal Wellness & Aesthetics
4721 D Sunset Blvd Lexington, SC 29072
CardinalAgemanagement.com
803-520-0506
What's Ahead for You in Retirement?
by Jerry Grimes
Retirement is like crossing a bridge that leads you from the safety and familiarity of your work routine into a strange, new, confusing place. Because you can’t see everything on the other side, you may feel anxious and insecure about what should be the best years of your life.
Although each situation is unique, three significant components affect every retiree: investment strategy, Medicare, and estate planning. One of the best ways to ensure a smooth transition throughout this journey is to seek solid direction that is sound, effective, and proven. You can expect to cross the retirement bridge empowered and confident with advice from local experts listed below:
Developing Your Investment Strategy
Brandon Powell, Financial Advisor with Founders Credit Union in Lexington, says the primary concern regarding retirement is,
“Do I have enough money?” Every retirement plan begins with a simple but thorough look at projected expenses and income. For most people, the point where they can comfortably cover expenses is when they are ready to retire, and that can vary a lot because of different lifestyle choices, spending habits, longevity, and so on.
“Clients often wonder about the "magic number," Powell said. He added that there is no one-size-fits-all answer for when to retire. Some expenses like car payments, mortgages, utilities, and taxes are relatively easy to estimate. According to Powell, healthcare costs and long-term care are not as easy to project, and many people don’t plan for them adequately. “Without proper planning for health-related expenses, even a well-prepared retiree can see their savings quickly depleted,” he shared. He added that investment strategies can help mitigate risk and manage unnecessary expenses such as taxes to protect your retirement nest egg. “Several strategies are available here, includ-
ing systematic withdrawals, annuities, or other income-generating investments that balance risk and tax efficiency,” Powell said.
Another tip from the experts: Don’t allow yourself to panic about retirement savings, even if you're late for the party. “It’s not too late to start saving for retirement in your 50s, but immediate action is essential,” Powell said. He recommends these four steps:
1. Maximize contributions to retirement accounts, especially with catch-up provisions, allowing you to save additional money.
2. Review your budget and cut unnecessary expenses to boost savings.
3. Consider working longer or delaying Social Security to increase your benefits.
4. Focus on investing wisely, balancing risk and growth to maximize your savings.
5. Prioritize debt reduction and planning for healthcare expenses.
In a sense, everyone has been saving for retirement for years through the payroll deduction of Social Security taxes. A government study says Social Security benefits will comprise about half of retirement income for most Americans. So, if you haven’t already done so, open an account at SSA.Gov and see how much of your money Uncle Sam will provide. Remember that wages, withdrawals from retirement accounts, pensions, and investment earnings can make your Social Security benefits taxable by 50-85%, depending on your age and other factors.
There is some good news, though, for all South Carolinians. Our retirement-friendly state exempts Social Security benefits from state income tax. Plus, once South Carolina retirees reach age 65 they can deduct up to $15,000 of their retirement income (such as from a 401(k), IRA, or pension) annually.
Understanding Medicare
According to Jennifer Mauldin, owner of Mauldin Insurance Group, the most common fallacy regarding Medicare is that it’s free. While it’s true that most people do not have to pay a monthly premium for Medicare Part A, outof-pocket costs for the basic plan can mount up, and it doesn’t offer the coverage most people will need.
The Part A annual deductible is $1,632 this year, and many procedures require co-insurance payments. In addition, people who haven’t paid into the system for at least 40 quarters must pay between $278 and $506 per month for basic Medicare. Mauldin said that Medigap or Medicare Advantage supplemental plans have additional monthly premiums but will help most people get more coverage. These supplemental policies pay for deductibles, coinsurance, and drug costs.
You will want to avoid this Medicare pitfall: Failing to sign up around your 65th birthday. The consequences could trigger late enrollment penalties and delayed coverage. “Even if you’re still working and are covered by your employer’s insurance plan, it’s essential to understand when you should enroll,” Mauldin said.
A false assumption about Medicare is that people think it will pay for the often-exorbitant costs of a nursing home or other long-term care facility. While Medicaid, a program for extremely low-income individuals, does cover these costs, Mauldin notes that most people will not readily qualify for it.
WHERE HOME CARE Meets Compassion
Focus On Estate Planning
Estate planning isn’t just for the wealthy; it’s for anyone who wants to ensure their assets go to the right people in the most efficient way possible. James McCutchen, McCutchen McClean LLC law firm partner, says everyone can take some simple but strategic estate planning steps.
For example, everyone should have a will, no matter the size of their estate. Once correctly drawn up and filed with the probate court in your county, a will can help your family avoid the lengthy and costly probate process by efficiently specifying the distribution of your assets to your heirs.
Dying without a will could spell financial disaster for your surviving husband or wife. “In South Carolina, if an individual without a will passes, half of their estate would generally go to their spouse, and the other half would go to their children. Although this may seem fair or equitable, typically, most spouses leave their entire estate to each other and do not leave any assets to their children until after both parents or spouses pass away,” McCutchen said.
Failing to keep your beneficiary designations current is another major pitfall to avoid. Passing income to a beneficiary takes precedence over distribution through a will. There are several unwanted outcomes with no beneficiary on your policies and accounts (or an outdated one). So, avoid the pitfall by routinely reviewing every insurance policy, 401k, IRA, brokerage account, and bank account. “Should you have concerns about the individual receiving the payout as your beneficiary, I recommend listing a restrictive trust as the beneficiary,” McCutchen said.
Another tip: Consider titling assets like your home, vehicles, boats, or RVs as "joint tenants with rights of survivorship," which allows them to pass directly to a co-owner without going through probate. McCutchen said everyone should also think about who they want to be in control of healthcare and financial decisions if they become incapacitated due to an illness or an accident. This is good advice for people of all ages, not just retirees. “I recommend every individual, regardless of assets, have a financial and health care power of attorney in place,” he shared. “Since the laws have changed in South Carolina, these cases have become very expensive, as family members are required to post bond, pay for their attorneys, the attorney for their loved one, and the guardian ad litem appointed by the Court.”
McCutchen said a revocable trust can be a great estate planning tool. It allows you to transfer assets upon death to your beneficiaries, avoiding probate. Trusts are private and can hold assets to delay distribution to minors and others who should not have control of the funds immediately.
“This is very common for minors who are unable to manage finances or beneficia-
ries who you fear will spend their inheritance inappropriately and quickly upon your death,” McCutchen said.
A pro tip: Trusts and wills both require that you name someone to administrate them. If you don’t have a relative in mind for that, McCutchen shared that you can often work with your bank or a corporation in the retirement planning space for an executor or trustee as a paid service.
Explore Spousal Benefits
Social Security can be confusing, especially when it comes to spousal benefits. Here’s a simple breakdown to help you understand how they work: If your Social Security benefit is lower than your spouse’s, you may qualify for a Spousal Benefit. This benefit allows you to receive up to half of your spouse’s monthly amount if it’s more than what you would get on your own. However, according to the Social Security Administration, you must wait until full retirement age to apply for a Spousal Benefit. Example: Mary and John are married. Mary qualifies for $1,500 monthly from Social Security and John will get $4,000 monthly. At full retirement age, Mary can apply for Spousal Benefit. Instead of $1,500, she will receive $2,000 monthly—half of John’s benefit. That’s $500 more each month for Mary. Even divorced or widowed spouses can qualify for spousal benefits in some cases. If you were married for at least 10 years and haven’t remarried, you can claim spousal benefits based on your ex-spouse’s earnings. If your ex-spouse passes away, you may also qualify for survivor benefits, which can be up to half of their Social Security amount. Example: Carla divorced Timothy after being married for over 10 years. She started collecting her Social Security at age 62, receiving $1,000 monthly. Timothy began taking his Social Security at age 65 and received $3,000 monthly. After Timothy passed away, Carla applied for spousal benefits as a surviving spouse. Her monthly amount increased by $500, giving her $1,500. Even if Timothy didn’t pass away, if Carla was divorced for at least 10 years and has not remarried, she could claim Spousal Benefits based on Timothy’s earnings. Spousal benefits don’t apply to people who receive Social Security for disability (rather than retirement). Disability payments are calculated differently, so there’s no increase for a spouse. Armed with an investment strategy,
a little knowledge about government programs such as Medicare and Social Security, and a primary estate plan, you can fearlessly join the ranks of those who no longer answer to an alarm clock every morning and can continue to live your best life. We hope these tips make the bridge to retirement much more navigable. According to the local experts, any unknowns you face can be addressed through proper planning.
RESOURCES
Brandon Powell, Financial Advisor Founders Credit Union
101 Park Pl Ct., Lexington WealthManagementatFounders.com|803-828-7050
Jennifer Mauldin, Owner
Mauldin Insurance Group
100 Old Cherokee Rd Ste F #167, Lexington MauldinInsurancegroup.com |843-509-2462
James McCutchen, Partner McCutchen McLean LLC
106 E. Main St., Lexington McCutchenMcLean.com |803-785-4529
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Service with aSmile
The Perfect Smile Starts Here
Dr. Sam Purnell
by Mary Ann Hutcheson
Chapin native Sam Purnell, DMD says his first introduction to the world of dentistry was initially inspired by Craig DuPuis, a mentor from his church. It wasn’t until his first year at Clemson that he seriously considered a career in dentistry. “I realized that dentistry was very much a field of science and art,” he explains. “After shadowing different specialties in field, I was pleasantly surprised to realize how much I could connect to my penchant for art with dentistry.”
As a child, he loved comic books and, in later years began to appreciate the masters such as J. M.W. Turner and Rembrant. “I really enjoy most forms of art to this day. Sketching is the most accessible and the easiest way for me to continue to dabble.” He had a keen eye for detail and design, and the realm of landscape architecture fed his love of art and the outdoors. He was soon drawn towards dentistry as a form of service and personal satisfaction. He remembers that he had no thoughts of specializing back then. "I wanted to be a good dentist, do good work, do beautiful things, do crowns, veneers, and fillings," he says. After graduating, Purnell was accepted into the Medical University of South Carolina's College of Dental Medicine, where he soon recognized a huge passion for orthodontics.
Today he owns Purnell Orthodontics, a thriving facility located on Sunset Blvd. in Lexington. "A healthy bite and a beautiful smile are important. We want people to be confident," he says. He describes how rewarding it is to observe the change, the reaction, and the involuntary smiles from patients when the final results from an extensive process are revealed. "It is super gratifying to see people satisfied when they're done," he says, "especially when it can take up to two years to happen.”
As for the future, Sam is laser-focused. “My aspirations are to continue increasing my knowledge of orthodontics and how I can improve the lives of my patients. Outside of work my primary aim is to foster my relationship with my kids and my bride, spending as much time with them as possible.” Purnell met his wife, Katie, during his first semester in dental school. He says, "We met in November, were dating by Christmas, engaged six months later, and married six months after that. Katie is a gracious woman and so sweet for putting up with me during that time." He admits the early years in the profession can be lean ones. Purnell's hobbies include cycling, mountain biking, gardening, and hiking. He enjoys hanging out with his family and playing games with his sons, Shepard and Yates, and daughter, Pepper. Dr. Purnell simply enjoys life and the beautiful smiles all around him.
The Look of Love is in Your Eyes
Focus on the romance, not on your glasses or contacts.
LASIK is just one of many surgical options to correct nearsightedness, farsightedness, astigmatism, and presbyopia– age-related inability to focus at near distances requiring the use of reading glasses.
Even if you have been told in the past that you are not a candidate for vision correction surgery, you now may be able to reduce or eliminate your dependence on glasses or contacts.
Schedule a consultation with a specialist to discuss a personalized treatment plan to meet your lifestyle and vision needs.
LOVE YOURSELF
Party of One
by Tori Lewis
Afamiliar team anthem is met with cheers as it pours through the speakers, transforming patrons into a choir as we prepare for kickoff. It’s a beautiful Sunday afternoon as I sit near the bar in my favorite team colors—no date, no prospects, no ring on my finger—and yet, I can’t help but smile.
This cozy little spot has become a favorite of mine since I began navigating the social scene as a party of one, and there are many singles in the area who share the sentiment. Groups of friends—unmarried, unattached—huddle together over buckets of cold ones, anticipating the football team’s next play. Some sit alone, making small talk with those nearby, no less a part of the gang as they enjoy a plate of wings or a hearty dish of pot roast on their own. Both are experiences that I, a newly single woman in her thirties, highly recommend—particularly the latter.
In the last decade, the stigma of dating oneself has faded dramatically. According to a recent study done by OpenTable, Millennials and Gen Zs are quite comfortable dining alone, with over 65% stating they intend to pursue the activity even more in the coming year. Lucky for us, locally owned restaurants abound in Lexington County, affording singles the opportunity to embrace this movement while treating themselves to a wide variety of cuisines—an activity shown to build confidence and promote a healthy level of independence. Those are two things I’ve noticed a boost in since I decided to put myself out there and enjoy the town on my own, and such experiences aren’t limited to the dining room.
Sometimes, a dark room with stadium seating and a giant screen is in order. Similar to dining alone, solo trips to the cinema have seen an uptick in popularity over the last ten years;
and it’s an activity I’ve embraced with great enthusiasm, striving to catch one or two new releases every month. There is a certain solace to be found when the lights dim and the only thing requesting my attention is the action on the screen, and I’ve discovered I’m far more engaged and entertained when my only companions are a bucket of popcorn and an oversized soft drink.
Of course, Hollywood can’t be expected to knock it out of the park every time; so, when the box-office is lackluster and the viewing options are less than appealing, I turn to another, local source of entertainment: the world of live theater. With community theaters on both sides of the dam, there’s always a show to catch. Checking the local season schedules online has become a habit of mine, and I make a point to stay informed about upcoming performances. The current seasons are littered with shows like Annie, Jr. and Murder on the Orient Express, with some theaters offering the excitement of live concerts.
From Lexington to Irmo, Ballentine to Chapin, there are an endless array of activities perfect for singles. As a lover of all things vintage and nostalgic, I’m known to spend my weekends treasure hunting at one of the many antique shops and thrift stores peppered throughout the area. Some days, I feel the draw of nature and take a leisurely stroll through the public parks, which are just as beautiful and welcoming in the height of winter. Both are simple, relaxed activities to do alone or with friends, and
friends are an invaluable resource for the newly single.
When I initially found myself flying solo after years of being someone’s other half, it was much easier to travel in a pack. Escape rooms, axe throwing, bowling, group painting classes, and gamedays at the pub became regular additions to our schedules, and they helped usher me into the next phase of my life—a phase where I embrace my new status and view everything this county has to offer in a different light, happily on my own.
In closing, allow me to speak directly to you, single reader, and address the heart-shaped elephant in the room. As Valentine’s Day approaches, and the couples around you begin making their dinner reservations, I encourage you to cook up your own celebration. Round up the besties and host a Galentine’s brunch or dinner party, hit the golf course with the guys, or live music entertainment, catch a show with your single friends. During a time of year when singles have been conditioned to mourn our relationship status and long for Prince Charming or Mrs. Right to sweep us off our feet, an opportunity arises to change that narrative. Take a cue from the activities listed above and plan a special night of fun for the squad, or observe the holiday by getting dolled up and hitting the town as a confident, independent party of one. Either way, Lexington County is ready and waiting, with new experiences and new friends around every corner.
It’s one such new friend who eyes me across the pub and, motioning to the team logo on his jersey, shouts, “We’ll get ‘em next time!”
I lift my glass and nod, a smile plastered across my face despite the loss, and he mirrors the action. The gentleman at the table next to mine extends his hand. “Good game,” he says through the insuppressible grin of the victorious, and I shake it before paying my tab and leaving.
I came here alone, but I’ve never felt more connected and comfortable in my own skin. It’s in places like this—places where a handshake from a stranger makes you a friend, and a side-hug makes you family—that the spirit of Lexington County shines bright, and you’re reminded it’s okay to enjoy it by yourself. Whether you’ve been single for thirty minutes or thirty years, you might be alone, but here, you don’t have to be lonely.
Kick-off Your Day and Your Year!
New Years is the time of year when resolutions are made. For some, that includes heating healthier, exercising, or taking time to enjoy life a little more than the year before. Our Town Magazine has partnered with a few local businesses to bring you some of the best ways to start your day on a healthier note and still enjoy life! The recipes included in this edition use fruits to bring you a fun and flavorful treat, jam, or breakfast this New Year. Here’s to your health!
Apple Cinnamon Pancakes
INGREDIENTS:
• 3/4 c. milk
• 1 1/2 tbsp.vinegar
• 1 c. flour
• 3 tbsp. sugar
• 1 tsp. cinnamon (if you’re a fan of cinnamon feel free to add another 1/2 teaspoon)
• 1 tsp. baking powder
• 1/2 tsp. baking soda
• 1/2 tsp. salt
• 1 egg
• 2 tbsp. cooking oil
• 2 tbsp. butter
• 2 apples (peeled, cored, and diced)
• 2 tbsp. brown sugar
• 1/2 tsp. cinnamon
• 1/3 c. maple syrup
DIRECTIONS:
Preheat a large skillet to medium-high heat. Whisk together the milk and vinegar and let it rest for 5 minutes. Next mix together flour, sugar, baking powder, baking soda, and salt in a large bowl. Whisk the eggs and cooking oil into the milk and vinegar bowl, then add the two bowls together and stir until just combined(it should still have some lumps). Spray the skillet or griddle with cooking spray. Use a 1/4 cup measuring cup to pour batter into the skillet, leaving a couple inches between each pancake. Cook on the first side for about 2 minutes, or until bubbles form and the edges start to look dry. Flip the pancake and cook another 1-2 minutes on the other side. Repeat until the entire mixture has been cooked. Add apples sauteed in butter, brown sugar, and cinnamon until apples are tender for extra flavor and presentation! Enjoy!
Homemade Cranberry Jam
Submitted by Clean Juice of Lexington
INGREDIENTS:
• 2 c. sweetened, dried cranberries
• 4 oz. orange cold press juice
• 1/4 tsp. elderberry powder
• 1/4 tsp. cinnamon
DIRECTIONS:
Combine all ingredients into a blender or food processor. Blend for 30 seconds. Scrape down the sides of the blender, then blend for 30 more seconds. Place the jam in a sealed container and store in your fridge for up to 7 days. Enjoy this wholesome jam, packed with antioxidants on your favorite toast. Try it with walnuts and coconut chips for a simple and delicious breakfast! Pair with our organic, cold-pressed juice!
Submitted by Eating For Healing Nutrition and Wellness
INGREDIENTS:
• 1 c. frozen blueberries
• 1 c. frozen cauliflower
• 1 c. plain Greek yogurt
• 1 tbsp. chia seeds
• 1/2 banana
• 1/2 c. unsweetened almond milk
DIRECTIONS:
Add all ingredients to a blender and blend until smooth. Pour into a glass and enjoy!
Creamy Blueberry Smoothie
INSPIRATION
Date Night Adventures
“Left or right?”
“Right.”
“Left or right?”
“Left.”
“What time is it?”
“6:30.”
“How far away tonight?”
“No more than an hour.”
by Jane Ivey
After planning a few date nights myself in the past that turned into more of a chore with underwhelming results in 2016, this is the date night route my husband, Tim, and I chose to take. We have always enjoyed spending time together and after being married for 45 years, raising our beautiful family, being active in our grandchildren’s lives, and running our own business, we decided it was time for yet another adventure refocusing on the two of us spending uninterrupted, quality time together. How it came about was quite by accident. We had planned to have dinner at a restaurant about 30 minutes outside of town, only to discover that it was closed for vacation. Unable to find any other local restaurants open past five o’clock left us with two options–head toward home or keep driving. We chose the second option. We decided to stop in a small town with only two local restaurants open for dinner. Our choice for the evening was a unique diner that has been in operation since 1961.
The experience was so fun we decided not planning would be the new standard for date night with a few rules to make it more of an adventure–back roads are the preferred routes, the smaller the town the better, and the destination choice is determined by our impromptu turn choices made at traffic lights or stop signs along with the travel time we allot ourselves.
Many of our trips have been surprising as well as beneficial. We have discovered everything from an Italian restaurant with live entertainment connected to a gas station, to a fine dining steak house with a beautiful view located in a rural farming area. We have visited interesting and historical small towns from Clinton to Edgefield with some comparatively larger ones thrown in between. We’ve enjoyed talking with servers, restaurant owners and local patrons, who often share their first-hand perspective of small-town life. What’s more, these mini road trips down rural highways are free from the demands of work and home, lending themselves to uninterrupted and often meaningful conversations between us.
We highly recommend no-plan date nights! Are you up for the adventure? Where will you end up? It all depends on how you answer the question “Left or right?”.
