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A SoCal Senior Publication

page 16

April 2016

Co-owners Paul and Aileen Brazeau

Set Sail for Luxury Senior Living at



Reverse Mortgage Solutions

Common Misconceptions about Reverse Mortgages The Lender takes the house. You retain ownership of your home. The loan is secured by a deed of trustor mortgage just like a standard mortgage. The difference is you do not make payments as long as you live in the home.

My Family will be against it. Our experience has shown that heirs that have been educated about a Reverse Mortgage are in favor of its use. It can allow family members to remain in their home without placing a financial burden on the heirs.

I can owe more than my home is worth. Your obligation will never exceed the value of the home.

The costs of a Reverse Mortgage are too high. Compared to other mortgage loans, the benefits of a Reverse Mortgage will outweigh the costs in many instances, with the member’s ability to finance all closing costs (and thus avoid out-of-pocket expenses). The major benefit of a Reverse Mortgage is having NO monthly mortgage payment, as long as the property is occupied as the primary residence. In the long term, when the Reverse Mortgage is kept for the member’s life, the costs are comparable to regular mortgage loans.

Reverse Mortgage loan proceeds/income will affect my Medicare/Social Security income. Loan proceeds DO NOT affect Social Security or Medicare benefits. It is your “tax-free” money to spend as you please. However, please consult your tax advisor should you have any questions. If I need to downsize and move, I cannot keep my Reverse Mortgage. This is True, but you may be eligible to use the remaining Equity in your Home to Buy a Property with a Reverse Mortgage.

PLEASE CALL TO DISCUSS YOUR SPECIFIC NEEDS AND SITUATION. (800) 708-5626 | (949) 250-1300 ext. 110 | 19782 MacArthur Blvd. Suite 250 Irvine, California 92612

Al W. Hensling, President BRE: 01154798 NMLS: 1942

We understand when a

flower means so much more. A Community for All Life’s Seasons

There’s just something about the staff at Rowntree Gardens — they take care of the big things while never forgetting the small details that make all the difference. On my first birthday at Rowntree, I was feeling a little blue without my fa mily there to celebrate. One of the staff members, Eileen, paid me an unexpected visit to give me a bouquet of roses freshly cut from the gardens at Rowntree. She’d even removed the thorns. My heart filled with joy when she wished me happy birthday and I knew I wasn’t alone. The staff here are a true blessing to everyone who calls our community home.

> Independent and Assisted Living > 5-Star Skilled Nursing, Short Term Rehab and Memory Care > 24-hour Health and Wellness Center > Dedicated Staff with average tenure of 14 years

Experience Rowntree Gardens for yourself.

Join us for a tour and complimentary lunch.

Call 714-530-9100 or Visit

Eileen Desjardins Director of Housekeeping Serving for 43 years

Where devotion meets compassion. 12151 Dale Street Stanton, CA 90680 RCFE# 300600816 DHS# 060000159 COA# 267

Contents 8 Death of the Reversed Mortgaged Home Owner: What Happens Next? 8





A SoCal Senior Publication


April 2016

Co-owners Paul and Aileen Brazeau


Set Sail for Luxury Senior Living at



All Aboard! Set Sail for Retirement at the San Clemente Villas by the Sea

14 7 Reasons Why Informed Investors Choose Fiduciaries 16 Tuition-free, Lifelong Learning Courses for Older Adults at Saddleback College’s Emeritus Institute 18 How to Talk to Your Family About Breast Cancer 20 World War II Veterans + Female Seniors (ages 83 97) to Soar Over Orange County in Vintage WWII Biplane 24 Reverse Mortgage Solutions 26 Can My Parents Get LongTerm Care Coverage?

10 Personalized Hearing: What’s Best for Your Friend May Not Be Best for You 10

28 Tech Questions Seniors Should Ask When Interviewing a Prospective Real Estate Agent 30 Understanding Sleep Apnea and Available Treatment Options 34 Mission Viejo Wigs: Where Customers are “Family” 36 Spotlight on: Melisa Chandler Photography 38 Living with Lymphedema: Benefits of Quality Medical Compression Garments

22 For 10 Million Americans with Osteoporosis, Exercise May Not Be the Answer

40 SOKA University Performing Arts

APRIL 2016



42 April Events: Dining & Entertainment Guide 46 Dining Out: enoSTEAK at the Ritz Carlton, Laguna Niguel

TESTIMONIALS “Our firm is pleased to be a contributor to Sorbet Magazine, which we believe to be a beneficial resource to the senior community. We have been long-time contributors in several other publications the Sorbert’s editor has created and they have always been a pleasure to participate in (Orange Magazine, HB Magazine, Newport Mesa Magazine, South County Magazine, Marmalade Magazine). As estate planning attorneys, we serve the senior community and look forward to meeting many of Sorbet’s readers.” - Genene Dunn, The Law Offices of Donald A. Hunsberger “I have been advertising with Community Publications consistently since the launch of South County Magazine several years ago. The primary reason for this continued investment is the results we get in terms of brand awareness, lead generation, and sales. Another good reason is Community Publications’ outstanding customer service and their sincere desire to contribute their advertiser’s success. My advice is to try them. I’m sure it will be worth it.” - C. Lawrence “Larry” Thomas, Long-term Care Insurance - Insurance 101 “When I was asked if I wanted to be included in Sorbet, I had no hesitation. Working with Jody Robinson over the past few years, I knew she would create another professional, easy to read, and informative magazine that would appeal to seniors. I felt Sorbet would be the perfect fit for me to be able to inform seniors regarding Sleep Apnea treatment alternatives.” -  Scott E. West, D.D.S.    “Since I began contributing to Sorbet magazine, lots of people have commented to me about my articles and about all the great information in Sorbet in general. From the feedback I have received, I know Sorbet is making a definite impact with Orange County seniors. I have received calls from people looking to sell and wanting to know more about the value of their home so there has been a positive impact on my business from my involvement with Sorbet. The magazine has been a great boost to my real estate marketing efforts and to the OC senior population as well. I look forward to sharing more articles in future issues and helping more seniors with their real estate needs.” - Bruce Ballantine, Evergreen Realty “Simply put, advertising in the magazines produced by Community Publications works. My participation has resulted in new customers and the process couldn’t have been easier. Not only did they offer design services at no charge, they created a great ad without needing much input from me because they took the time to really understand my business. The resulting ad does a great job of getting my ‘message’ out - I’m very pleased.” - Betty Darroch, Mission Wigs

Mission Viejo Wigs

“I placed an ad in the community magazines produced by Community Publications to increase awareness of my product, but I had no idea the impact it would have! I’ve received great response and would definitely recommend these community publications to other local business owners.” - Kathy Crifasi, HipzBag APRIL 2016



A SoCal Senior Publication

APRIL 2016 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson (714) 596-6611 ASSISTANT EDITOR Sara Watt ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kathy Mitchell Kim Roberson Allison Albeijes CONTRIBUTING WRITERS Bruce Ballantine Livia De Los Rios Kristine Emerson Samuel Henderson, PhD Donald A. Hunsberger Ann Laurence Martin J. Lombrano Tom Moffett C. Lawrence “Larry” Thomas Scott E. West, DDS CONTRIBUTING PHOTOGRAPHERS Melisa Chandler, Chandler Photography Lana Farfan, Caught in the Moment Photography Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673







Rolling admission: Apply even after the semester has begun!




Don’t Miss An Issue! Have Sorbet delivered to your home each month for a low introductory subscription rate of only $12 per year! Name Address City State

Zip Check enclosed (please make check payable to Sorbet)

 Credit card number  Expiration date

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Or subscribe online: Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673 APRIL 2016



Death of the Reverse Mortgaged Home Owner: WHAT HAPPENS NEXT? By Donald A. Hunsberger

Estate planning attorneys typically find out that their clients have entered into a reverse mortgage twenty seconds after the indebted client or clients have died. The typical situation involves a telephone call to ask the lawyer why Dad’s home is going into foreclosure “so soon after he died.”


he conversation typically then continues: “I don’t think Dad knew that the bank would go into this attack mode so soon after his passing. It hasn’t given us time to react.” Or, another common response: “ Things didn’t happen this quickly when my husband’s parents passed.” There is a different reason for each of these reactions. First, Dad had to have known about the immediate need to react when he died with a reverse mortgage. According to Howard Platte, the Branch Manager of the North Orange County Gem Mortgage office, “The process of obtaining a reverse mortgage involves a counseling session that explains, in great detail, the requirements following the death of the borrower. Basically, every borrower is told in intentional detail that a house which is collateralized with a reverse mortgage, no matter who the lender is, has a basic requirement at death: either the loan is paid off, or the house must be sold to pay off the debt.”

“We have seen the advantage of trusts owning homes first hand,” Platte continues, “and it just doesn’t make sense to add problems to the ability of family members to administer their parents’ estates. A trust owning a home that has a reverse mortgage will normally allow the family to save time and money on the passing of the title to the next generation, and in some cases it simply saves the house from foreclosure.”

Platte believes that the second reaction to a foreclosure on a Reverse Mortgage – that the fast foreclosure didn’t happen when another person died– is probably accurate. He explains “Most likely the other family member who had an easier time at death owned the home in trust. When that occurs, the lender is more likely to be able to talk to the heirs of the deceased home owner. That trust can make all the difference, because if the lender is not able to talk to anyone, the foreclosure will follow.”

When a family considers the ability to avoid the foreclosure which may follow the death of a parent whose home has a reverse mortgage, and then adds in the increased cost of probate fees for the home, as well as the increased time of probate administration which may accompany the home passing by will instead of by trust, along with the fact that probate administration can take up to three to four times as long as trust administration, the decision appears almost self apparent.

One of the principal problems with slowing down the process of foreclosure at the death of an owner of a home outside of a trust with a reverse mortgage stems from the fact that too many lenders are unwilling to deal with the heirs of the deceased home owners unless the heirs of the deceased owner have been issued paperwork from the probate court to indicate that they are authorized to talk for the deceased family member’s estate.

“I don’t know why home owners with reverse mortgages, or even just traditional home loans, would consider not having a trust to hold their homes,” admits Platte. “Everything in our experience points to the logic of trust ownership.”

“Since lots of family members wait a few weeks to contact the mortgage company, and because it then takes some more time to get the letters from the Court,” explains Platte, “the lenders will often start the foreclosure before the probate has given the authority to the family members to talk to the mortgage company.”

Hunsberger Law is a full-service estate and business planning legal firm, with estate planning attorneys and a licensed, professional fiduciary on staff. Connect with Don Hunsberger by calling (714) 663-8000 or visit

The frustrated heirs are frequently left in the lurch once the foreclosure process on the homes outside of the trust begins. APRIL 2016




Whatever m, Your Dreoar Indoors , Outdoors with It All Beisginions aV



Turn every corner of your home into a model showroom.

Designed to make every first impression of your home one that will express your unique style.

• Open concept • Hardwood floors • Beautifully detailed crown and base moldings • Luxurious bathrooms • Grand kitchens

• Waterfalls • Cool pools • Warm spas • Outdoor entertainment centers • Lush, green landscapes with romantic lighting



Owner Neil Spain


CA Lic. 353892

(714) 697-1891 360 East 1st Street, Suite 290 Tustin

personalized hearing:

What’s Best For Your Friend May Not Be Best For You Dr. Rachel Burnett, Au.D.

Many times when patients come to Mission Audiology for a consultation they have done some research on hearing aids prior to their appointment. Often, that research involves getting the opinions of friends or family that have hearing aids.


atients then give me the mixed reviews: their friends love their hearing aids, they hate their hearing aids, the hearing aids whistle, their friends like a specific brand, and the list goes on and on. My next question is always “do you know what their hearing loss looks like?” The answer is always a resounding “no”. If we don’t know what someone else’s hearing loss looks like compared to your own, we don’t know if what they have will be the best solution for you. An individual’s hearing loss is just one of the five aspects that is considered in a successful hearing aid fitting. With personalization of all areas of the hearing treatment, negative complaints can be avoided and optimal hearing can be achieved.

the correct hearing aids for the patient. We work together with our patients to ensure that the hearing aids are not bothersome and are as comfortable as wearing a watch or glasses.


A lifestyle assessment helps to identify the types of listening environments a patient is in and where they experience difficulty hearing. These listening environments may include TV, restaurants, family gatherings and other social events. This lifestyle analysis allows us to find a solution that is the best fit for the patient’s lifestyle needs. Fulfilling these needs may include the technology level, Bluetooth capabilities, iPhone hearing aids or extended wear hearing aids.


At Mission Audiology, we use verification measures called Live Speech Mapping to achieve optimal sound quality. Live Speech Mapping is the only true way to verify that a hearing aid is performing in the ear correctly. If two people have the same hearing loss but have different ear canal sizes, the sound will act differently within that space. Therefore, Live Speech Mapping allows us to customize the sound, taking the individual’s hearing loss and ear canal size into account, to make sure sounds are audible and comfortable in volume.


Hearing loss can present itself in many different ways. There are different degrees and configurations of hearing loss, from mild to profound, which dictates what sounds the patient is missing in their daily life. Based on the patient’s individual hearing loss, we select the appropriate hearing aid that will benefit the patient now and in the future.

All of these aspects must work together for a patient to achieve a successful hearing aid fitting. As you can see, due to these variables, what your friend needs to achieve optimal hearing may be vastly different than what you need. With different hearing losses, ear sizes, and lifestyle needs the only right solution for you is a personalized solution. We are in an age where technology allows for ease of listening in various environments. Complaints from the past should no longer be an issue with today’s technology and standards of care. At Mission Audiology we strive for personalized hearing using the best standards of care for optimal hearing.


Hearing aid style is very important for all patients and there are many options to choose from. When selecting a hearing aid style we must consider cosmetics, dexterity, vision and hearing loss. Our goal is to find a hearing aid that the patient will be comfortable wearing and operating so it does not end up in a drawer.

Dr. Rachel Burnett is the audiologist currently seeing patients at Mission Audiology, located at 26302 La Paz Road, Suite 107 in Mission Viejo. Phone: (949) 855-7898 or visit


Contrary to popular belief, a hearing aid should be comfortable. It should fit in the ear so it will not fall out, hurt, or whistle. If any of these are happening, then either the hearing aids are not appropriately fit or they are not APRIL 2016



MEDICARE can be complicated. We make it SIMPLE. You may qualify to enroll or change

your MEDICARE health plan if: 

You’re newly eligible for Medicare

You’ve recently moved to the area

You live in a nursing home

You’re leaving your employer plan

If you have questions about your Medicare, our team has the answers you need. Can’t find your doctor in your network? Referrals take too long? Paying extra for extra benefits? Don’t delay. Call today for a free consultation. We make house calls.


Orange County Local Agent

(949) 297-3917 Porter, Page and Company, Inc. Insurance and Financial Services Serving Orange County more than 20 years APRIL 2016



All Aboard!

Set Sail for Retirement at the San Clemente Villas by the Sea By Jody Robinson

Cover spread photography by Melisa Chandler, Chandler Photography

Hospitality has its origins in antiquity, with the first records of guest baths in Greek villages in early biblical times. Over the last two thousand years, the simple act of offering care for others has grown into a massive industry: from the first French and English rural inns and stables for travelers, to the splendor of the Plaza Hotel in New York.


aring for others can be complicated, or it can be simple: and the San Clemente Villas are looking to keep it simple.

Villas’ residents enjoy a level of service and care often missing from senior communities. Care plans are specifically tailored to residents’ daily individual needs, and with 24-hour assistance every day of the year, the center fosters as much independence as possible while still maintaining the highest level of comprehensive care. The staff, including an Assisted Living Care manager, Licensed Nurse, and Executive Director are involved on a daily basis with the well-being of each resident, ensuring that the safety, health and comfort of each resident comes first. “The first thing that Paul, I, and our staff focused upon when we opened our doors was that each resident has a story to tell, as well as unique needs. We are interested in their stories, and we care about their needs.”

Aileen Brazeau and her husband Paul own and operate the Villas, and they’d like to think that hospitality is simply about listening. Listening to its residents, namely. “If we are successful at providing superior senior care and lodging, it is for that reason - we listen closely to what the residents tell us.” According to the U.S. Census Bureau, seniors will represent 20 percent of the U.S. population by 2030. As demand for senior housing rises, the Villas are ready to meet it with their signature recipe for success: hospitality.

Co-owners Paul and Aileen Brazeau APRIL 2016



Walking into the “grand hall” of The Villas is like walking onto lido deck of a cruise ship - minus the cruise director and napkins folded to look like chimpanzees. Clearly, Paul and his wife know exactly what they’re doing, and are excelling at it, as there are smiling seniors everywhere you look: chatting amongst themselves, or with visiting relatives or staff. If it isn’t Happy Hour on Tuesday or Thursday, there is bound to be a Luau, or Karaoke Birthday Party. And if that wasn’t enough to keep you entertained, The Villas host an annual “Villas’ Got Talent” show.

Like any five star hotel, the Villas rely on the services that an on-site concierge offers. Through telephone and personal interactions, the Concierge provides exemplary customer service: allowing the residents to focus on the meaningful moments they have throughout their days, instead of stressing about what the day’s schedule looks like, worry about how to pick up a prescription off site, or how to challenge themselves to keep mind and body active. The “cruise ship that never sails” couldn’t be more accurate a way to describe the Villas. As cruise directors, Paul and Aileen operate the fully-staffed community. She, her Executive Director, Karen Milroy, along with longtime Marketing Director, Diana Sanchez, work magic in the Public Relations, Networking and Marketing arena, often hosting events at The Villas that are open to local businesses and the community.

Taking a peek into the kitchens is an experience in itself, where a team of chefs prepare several entrees, side dishes and desserts at breakfast, lunch and dinner. “Our residents look forward to every meal”, Aileen states, noting that it is not unusual to see a home baked pie or cobbler on the menu, following a fresh, home-style lunch or dinner. “Casual “cafe-style dining is available, as is formal. Residents can even reserve a private dining room for family visits”. But balance and moderation are keys to offering a tailored care experience, and so the Villas also boast an exercise gym and beauty salon, a library, and a game area. Nightly movies are one of the most popular venues for the residents, showing on the “big screen” in a roomy theater setting.

On-site presence is what sets this community apart, and what keeps the ship afloat. Most senior residence communities operate through a parent corporation, run by hired representatives. Taking hospitality to the next level, Paul and Aileen have made it a point to keep their offices onsite at The Villas, and can be seen regularly participating in activities during the week. If you see them on-site, say hello, ask a question, and expect to be hosted like you are a part of the San Clemente Villas family. To learn more about The Villas and its history, founding, beginnings or review a list of available services, be sure to visit the web site at APRIL 2016




Even the most ethical advisors are faced with the dilemma of balancing recommendations that meet your needs, while also being paid appropriately. If your advisor works for another company, he or she may not have the option of recommending the most appropriate product for your situation. Instead, advisors may only be able to offer the products of the company they work for.

WHY INFORMED INVESTORS CHOOSE FIDUCIARIES By Pence Wealth Management and Martin J. Lombrano, AIF®, LPL Financial Advisor




Knowing that you have a fiduciary working for you should help provide confidence.





Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNERTM (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. He can be reached by calling (949) 660- 8777 or email CA Insurance License # 0828215.



In addition, prudent fiduciaries will often leverage subject matter experts by tapping an entire industry of knowledge, not just the offerings of one company. This seeks to ensure you receive advice and recommendations.



The financial services industry is plagued with highcommission products, company incentives and production contests. Your fiduciary is obligated to provide honest advice, based solely on your situation, and not to be swayed by outside pressures. APRIL 2016


Trust, once earned, is one of the highest honor any advisor can receive from a client. One of an advisor’s biggest challenges is telling his or her client what they need to hear... especially when the client does not want to hear it. Your fiduciary is committed to a code of ethics and has an obligation to give you straight answers, providing a strong foundation upon which to build trust.

By keeping you informed of new recommendations, the impact of those recommendations, as well as disclosing all important information associated with those recommendations, a fiduciary helps remove unwanted surprises.



However, imparting confidence is not enough to establish the fiduciary role. Only when that confidence is accepted by the client, is the fiduciary relationship established, causing dependence by the client and influence by the advisor.

Your fiduciary works for you, educating you on the different aspects of your financial plan and ensuring your understanding of how all the pieces fit together to create a sound plan. Your fiduciary promotes additional confidence in your financial future.





Keeping you informed, as well as disclosing all important information associated with recommendations, helps minimize unwanted surprises, and helps to create the foundation for a healthy collaborative relationship.

Working as your fiduciary, your advisor is obligated not to engage in any self-dealing or other conflicts of interest. In fulfilling his or her obligations and duties to you, your fiduciary should perform required due diligence prior to making recommendations. Thus, acting in a proactive manner on your behalf.




Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC.



* Get back to your tennis game or yoga, social time with friends and family!

* Get rid of messy pads!


URQLOGY Medical Center APRIL 2016



Tuition-Free, Lifelong Learning Courses for Older Adults Summer Session Begins May 31st • 949-582-4835 28000 Marguerite Parkway, Mission Viejo, CA 92692 academically rigorous • mentally stimulating • socially engaging • health improving by Dan Predoehl, M.Ed • Director, Saddleback College Emeritus Institute

The Saddleback College Emeritus Institute is California’s largest, tuition-free, lifelong learning program specifically designed for older adults. We welcome you to join us as we enter our 40th anniversary year of providing 215 sections of lifelong learning courses at over thirty locations throughout South Orange County.

Pursue Your Dreams with World-Class Faculty SHARE THE JOY OF LEARNING

Saddleback College Emeritus Institute faculty members motivate students and help them improve their relationships and communities. One student described our popular Spanish classes, led by Spanish instructor Marcela DuranDeMehrand: “I enjoy class immensely due to the enthusiasm and encouragement of our instructor. It is people like her who help to build bridges between people from all kinds of backgrounds.”

When you take classes with the Saddleback College Emeritus Institute, you will experience the joy of learning with faculty who are experts in their fields. One of our students recently described Biology instructor, Dr. Vic Leipzig: “Vic goes so far beyond any teacher I have had in my whole college life. He is so enthusiastic about his subjects (Natural History of Southern California and Birds of the World) that one cannot help but catch it!’”


Over 75 faculty members share their enthusiasm and create engaging, life-improving learning opportunities for older adults throughout South Orange County. Many faculty members hold the highest degree in their field, and most hold a master’s degree.

Join us this summer session or fall semester and meet the professional, caring, and expert faculty who exemplify the mission of the Saddleback College Emeritus Institute. “Susan Elizalde-Henson is the best instructor I’ve had. She is organized and works very hard to help students to succeed and feel successful. The best is her warm caring personality.”


Inspiration and creativity flow freely from the Saddleback College Emeritus Institute faculty, as they create emotionally and physically safe learning environments for students. Pairing expert faculty with lifelong learners means students are encouraged to explore and develop their skills. Art Instructor Lyndelle Stonick recently received this review: “Lyndelle is stimulating, thoughtful, and wonderful. She continually inspires us to reach higher in our painting knowhow. She is always congenial and it is a joy and a privilege to be in her class.”

APRIL 2016

The Saddleback College Emeritus Institute offers rolling admission and registration. Join us for the Summer Session starting May 31st. Apply on our website and register today! Saddleback College Emeritus Institute Over 30 South Orange County Teaching Sites • 949-582-4835





here is confusion out there regarding Medicare in general and there are many terms used. For example ~ Medicare Supplemental, Medi-gap, Plan N, Plan F, Part D, etc.

Clients love that we still make House Calls and are local… Here is a typical response after meeting with a new client….

“I never knew that I could have someone like you come to my home, offer various Medicare Plans in the area, do an analysis on my specific medications and keep the doctors I need. Wow, and at no cost! Thank you so much!!”

If you are on a Medicare Plan and still not quite clear what might be available to you, that is where I can help. Have you recently got an increase in what you will be paying for your plan? There are options, even at this time of year!

I’m frequently asked “what do I owe you for your time or how can I compensate you?” The answer is NOTHING. As an independent Agent/ Broker, we do get paid from the Insurance Company per enrollment as we are Independent Licensed representatives. We get paid the same regardless of which plan you are enrolled with – completely unbiased. This does not increase the cost of your plan to you in any way.

Denice Merrill

Orange County Local Sales Broker Co-Owner Merrill Insurance Services, Inc. Specializing in Medicare Plan Choices Over 10 Years Experience 949-388-7332- Direct CA LIC# 0D99790

EDUCATION IS KEY! Brokers must get certified with each of the plans every year to be able to confidently and legally show more than one option. This is a true dedication and commitment to the industry. Look for a local Medicare Broker in your area, not an 800# with an out of state telesales staff. Find us in publications like these.

Sorbet and South County Magazine

APRIL 2016



How to Talk to Your Family About

BREAST CANCER It can be scary to find out that a loved one is diagnosed with breast cancer. This can become even more complicated when your family members live far away and have questions about a love one’s care.


to prepare your family (especially young nieces, nephews and grandchildren) for these changes before they happen.

reast cancer is talked about a lot when it comes to women’s health – the male variation gets little attention and deserves more. According to the American Cancer Society, breast cancer in men is typically detected between 60 and 70 years age and can occur at any age.

Stress the importance of help: Provide simple opportunities for your family to help out on a regular basis. This can be as simple as giving a hug and a kiss or calling to chat about their day. This can help increase your family member’s morale and is also a welcome distraction.

Dr. Donald Sharps, medical director for Behavioral Heath Integration with CalOptima, the health insurance provider for thousands of adults and children throughout Orange County, offers these tips of how to talk to your family about breast cancer.

Consult a physician or counselor: If you are overwhelmed and don’t know where to start when talking to your family, consider meeting with your loved one’s physician or a counseling professional. They can provide you with tips and ways to talk about cancer in a way that is simple to understand.

Be honest: we all tend to overhear whispered conversations and often repeat these chats to our peers. Sitting down with your family and having an honest conversation about the disease can help decrease their anxiety and alleviate any confusion about their loved one’s health.

Breast cancer is not any easy diagnosis to receive, but being honest and talking with your family helps everyone to cope.

Encourage questions: your family will most likely have a number of questions related to the medical treatment of their loved one. Let them know that they can ask anything, and focus on the steps that are being taken to treat cancer. Lastly, if you are asked a question and you are unable to provide an answer, it’s okay to say “I don’t know.”

CalOptima is a county organized health system, and provides publicly funded health care coverage for low-income children, adults, seniors and people with disabilities in Orange County. In total, CalOptima serves more than 779,000 members with a network of more than 7,500 primary care doctors and specialists, as well as 30 hospitals.

Prepare for physical changes: As treatment progresses, your loved one might begin to physically look different from side effects such as hair and weight loss. Make sure APRIL 2016



ANY ENTREE $8.00 minimum purchase per entree plus beverage per person. Limit 4 per coupon. Not valid on weekends or holidays or with any other coupon, specials or private groups. Valid only Mission Viejo location.


28621 Marguerite Parkway (cross street Avery Parkway)



South County Magazine


BYC FAVORITE Golden State Benedict & many new items!


APRIL 2016




Purchase one entree plus 2 beverages at regular price and receive 50% off 2nd entree of equal or lesser value. Not valid on weekends or holidays or with any other coupon, specials or private groups. Limit 1 per coupon, 1 per table. Valid only Mission Viejo location.

South County Magazine

World War II Veterans + Female Seniors (ages 83-97) to Soar Over Orange County in Vintage WWII Biplane April 7 Fullerton Municipal Airport event is first of its kind in O.C. A 94-year-old U.S. Army WWII veteran (B-29 radio operator), Vince Van Velzer, along with four other senior veterans and three female seniors, ages 83 to 97, will each take flight in an open-cockpit, 1944 Boeing Stearman biplane at Fullerton Municipal Airport, Thursday, April 7. Two of the other veterans also served in WWII.

Boeing Stearman Biplane


he flights are courtesy of Ageless Aviation Dreams Foundation (AADF), a non-profit organization founded in 2011 to honor U.S. military veterans living in longterm care facilities. All eight “Dream Flyers” are community members of Rowntree Gardens Senior Living located in Stanton / central Orange County – which also celebrated its 50th anniversary last year. Van Velzer, a private pilot himself, and the other seven senior Dream Flyers, will strap on goggles and canvas helmets as they enjoy the ride of their lives in the same two-seater aircraft used for training military pilots during WWII. “We, our senior flyers and their families are all thrilled to have this amazing opportunity,” stated Randy Brown, CEO of Rowntree Gardens. “We look forward to cheering them on from the ground!”

Colin Jones

Sammye Vore

“Having been shot down by a rocket during WWII and held as a POW in Germany for 17 months, initially I wasn’t so sure about doing this,” recounted Dream Flyer Colin Jones, 94, who served in the 8th Army Air Forces’ 93rd Bomb Group. “But now that it is happening, I can’t wait for the day to arrive.” Jones lived in Long Beach prior to moving to Rowntree Gardens in 2015.

“I may be 97 years young, but I’m always up for an adventure,” proclaimed Dream Flyer Sammye Vore. A community member at Rowntree Gardens for the last 21 years, Vore was a missionary in Guatemala for 40 years as part of her many travels.

Chuck Iverson

Ed Willems

Chuck Iverson, 83, Corporal, U.S. Army. Always wanting to fly, Iverson never had the chance to learn or go on flights during his time in the military.

Ed Willems, 94, AMM2C (Aviation Machinist’s Mate 2nd Class – plane mechanic), U.S. Navy, World War II. Pilots would sometimes let Willems join them and fly the planes when they needed to do paperwork during flights. Previously a Lodi, CA resident, his son lives in Lakewood, CA.

APRIL 2016



Mac Laurence, 83, Lieutenant, U.S. Navy pilot stationed in California. After his service, he spent forty years working for Douglas Aircraft – who built the very planes he flew in the Navy. Originally from Rossmoor, CA, his daughter still lives there.

Mac Laurence



in the

Vince and Mary Van Velzer

Ann Seufert, 89. She’s curious and excited to be a Dream Flyer. Her husband was a commander of the Seabees for 25 years. She has children living in Cypress and Cerritos, CA.

! m i Sw

Mary Van Velzer, 88, a pilot herself and wife of Vince. She always wanted to fly as a child, but didn’t get a chance. After raising her family, she took flying lessons and flew for over 30 years. She and Vince are originally from Huntington Beach and have children in Cucamonga, CA.


We encourage Grandparents to be a part of their Grandkids’ aquatic education. Whether it is buying a gift certificate for swim lessons or actually bringing the little ones into lessons and enjoying the experience of watching them learn to love the water, we want you to be involved!

Ann Seufert

AADF’s collaboration with Rowntree Gardens marks the first Dream Fight in Orange County. To date, the foundation has provided free Dream Flights to more than 1,500 senior U.S. military veterans living in long-term care facilities.



The Dream Flyers’ family members will be watching the action starting at 9 a.m. on April 7 at Fullerton Municipal Airport located at 4011 W. Commonwealth Avenue, Fullerton, CA 92833. APRIL 2016 21


For 10 Million Americans with



Isn’t the Answer By Tom Moffett

When people are concerned about osteoporosis or bone loss, doctors often advise a healthy diet and exercise, but exercise may not have the impact most people facing bone loss are hoping for.


ly as much bone density as doctors or patients might assume.

o fight bone loss, doctors commonly prescribe medications that either increase bone formation or slow the rate of loss. Why? Medications work better and faster than exercise alone. However, these medications can induce side effects that range from inconvenient to painful. In some cases, side effects can be fatal.

Weight bearing exercise does build bone mass, but the results are only notable when extremely heavy amounts of weight are used. In general, a lot of pressure on the bones equals more bone regrowth. In 2004, the U.S. Surgeon General published a report on osteoporosis and bone density that said in order to build new bone, someone must experience the pressure of multiples of their own body weight.

This article will help you understand some of the latest physiotherapy research that has come out of the National Health Service in the UK (NHS) sheds gives hope to those who think they’ve “tried everything.” Osteoporosis is a serious concern for most people in the middle and golden years. The all-too-common condition causes bones to become so weak or brittle that even movements as mild as coughing or bending over can lead to a sudden fracture.

Compiled research from 152 peer-reviewed studies relating to bone building modalities and their impact on postmenopausal women shows that the most effective solution for building significant bone mass without drugs or risk of injury is osteogenic loading. The concept is based on a very brief type of exercise that triggers natural bone growth.

According to the International Osteoporosis Foundation, one in two women and one in five men over age 50 will suffer from an osteoporotic bone fracture. The illness causes a bone break about every three seconds worldwide.

Osteogenic loading is most effective through a series of specially designed movements. These movements activate the body’s natural adaptive responses, and the body kick-starts the rebuilding impulses that result in increased bone density.

Osteoporosis is also expensive. According to the National Osteoporosis Foundation, the cost of two million annual osteoporosis-related breaks is $19 billion. Experts believe that by 2025, the cost of the predicted three million fractures per year will be $25.3 billion.

The movements are simple, yet highly effective, so much so that even those in their 80’s and 90’s can still experience the benefits of stronger bones in only a few minutes per week all without breaking a sweat. These osteogenic movements can also significantly increase a person’s strength and balance.

Unfortunately, most people don’t realize osteoporosis is a problem until they break a bone. Bones are constantly rebuilding, and the process slows with age. People reach peak bone mass in their early 20s, but in middle age, bone density plummets as bones disappear faster than they rebuild.

The overall science behind osteogenic loading has been well researched and known for quite some time, but until 2006, the technology to make it available to the average consumer wasn’t available.

Doctors advise patients that exercises such as walking, climbing stairs, vibration plate therapy or lifting weights can help build bone density, but an extensive analysis of recent research studies shows exercise doesn’t build nearAPRIL 2016

Osteogenic loading often goes well beyond the minimum established threshold for building bone, so it’s incredibly—and almost immediately effective for most people. 22


Research on osteogenic devices is relatively new, but the data is promising. Osteoporosis International, an international multidisciplinary journal sponsored by both the International Osteoporosis Foundation and the National Osteoporosis Foundation of the USA, published a study in 2013 showing that bone density improved 7.34 percent between the spine and hip over one year of treatment. OsteoStrong began offering its patented osteogenic loading system in September 2012, and thousands of people have experienced the benefits since then.

Alone I’m just a hearing aid. But in the hands of an expert,

I’m the key to a better way of life.

The hallmark of OsteoStrong centers across the U.S. has been the success testimonials shared by their members. Many have quit their osteoporosis medications, experienced total osteoporosis reversal, and several over the age of 60 are showing bone density scores equivalent to people in their 20’s.

Call today to schedule your complimentary hearing consultation.

949.461.1991 Rachel Burnett, Au.D. Doctor of Audiology

Traditional exercise can improve cardiovascular health, endocrine function, and flexibility, but if bone density and an overall fraction prevention strategy is the goal, exercise alone likely won’t be enough to help. OsteoStrong centers invites anyone interested in experiencing an osteogenic session to come in for a free visit.

Mission Audiology 26302 La Paz Rd, Ste 107 • Mission Viejo Part of the Sound Wave Hearing Centers

ound Wave SHearing Centers

Visit to find a location near you.

Thomas J. Moffett is franchise owner of OsteoStrong of Laguna Woods in Laguna Hills specializing in building bone density naturally through osteogenic loading. OsteoStrong of Laguna Woods is located at 23601 Moulton Parkway, Suite B in Laguna Hills. TO BOOK A FREE BONE DENSITY TEST, BALANCE/POSTURE TEST AND A FREE FIRST SESSION, call (949) 916-0916 or visit APRIL 2016



Reverse Mortgage Solutions


It is estimated that approximately two-thirds of Americans will receive more than 50% of their retirement income from Social Security.


the borrowers no longer use the home as their principal residence or fail to meet the obligations of the mortgage. You can also use a HECM to purchase a primary residence if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

ut seniors who are concerned about the future of Social Security (or whether they will outlive their retirement savings), may want to look to their home equity as another possible source of income. A reverse mortgage is a retirement asset that can be effectively utilized as part of a retirement income plan to support your retirement goals and needs - and help retirement-age homeowners “age in place.�

Q: If I take out a reverse mortgage, will the bank own my home? A: No, you continue to own your home just the same as with a regular mortgage.

In the following interview, we asked Al W. Hensling, president of United American Mortgage Corporation, to address some of the more frequently asked questions and clear up common misconceptions regarding reverse mortgages:

A reverse mortgage does not affect regular Social Security or Medicare benefits. However, if you are on Medicaid or Supplemental Security Income (SSI), any reverse mortgage proceeds that you receive must be used immediately.

Q: What is a reverse mortgage and how does it work? A: A reverse mortgage is a special type of home loan that lets you convert a portion of the equity in your home into cash. The equity that you built up over years of making mortgage payments can be paid to you. However, unlike a traditional home equity loan or second mortgage, HECM borrowers do not have to repay the HECM loan until APRIL 2016



could impact eligibility. For example, if you receive $4,000 in a lump sum for home repairs and spend it all the same calendar month, everything is fine. Any residual funds remaining in your bank account the following month would count as an asset. If the total liquid resources (including other bank funds and savings bonds) exceed $2,000 for an individual or $3,000 for a couple, you would be ineligible for Medicaid. To be safe, you should contact the local area agency.

- No Loan Repayment Required As Long As You Live in Your Home - Retain Full Ownership of Your Home - Tax-Free Funds As Long As You Live in Your Home - Loan is Insured By the Federal Government - You Can Choose the Method to Receive Your Funds that Best Suits Your Needs

Q: How much money can I get and are there restrictions on how the proceeds may be used?

Al W. Hensling, president Q: What is the difference between a reverse mortgage and a home equity loan?

A: The amount of funds you are eligible to receive depends on your age (or the age of the youngest spouse when there is a couple), appraised home value, interest rates, and in the case of the government program, the FHA lending limit, which is currently $625,500. If your home is worth more, then the amount of funds you may be eligible for will be based on the $625,500 loan limit. In general, the older you are and the more valuable your home (and the less you owe on your home), the more money you can get.

With a second mortgage, or a home equity line of credit, borrowers must make monthly payments on the principal and interest. A reverse mortgage is different, because it pays you – there are no monthly principal and interest payments. With a reverse mortgage, you are required to pay real estate taxes, utilities, and hazard and flood insurance premiums.

During the first 12 months after closing, a borrower cannot access more than 60 percent of the available loan proceeds. In month thirteen, a borrower can access as much or as little of the remaining funds as he or she wishes.

Q: Are there any special requirements to get a reverse mortgage? A: To be eligible for a FHA HECM, the FHA requires that you be a homeowner 62 years of age or older, own your home outright, or have a low mortgage balance that can be paid off at closing with proceeds from the reverse loan, have the financial resources to pay ongoing property charges including taxes and insurance, and you must live in the home. You are also required to receive consumer information free or at very low cost from a HECM counselor prior to obtaining the loan. You can find a HECM counselor online or by phoning (800) 569-4287.

There are exceptions to the 60 percent rule. If you have an existing mortgage, you may pay it off and take an additional 10 percent of the available funds, even if the total amount used exceeds 60 percent.

Al Hensling is President of United American Mortgage of Irvine. Connect with Al and his team by calling (800) 708-5626 x110 or by emailing him at alhensling@ Visit www. to view their mortgage calculators to get a head-start. You can also apply online, get a custom quote and read more about the loan programs they offer. If you’ve never had a loan before, consider their handy ‘Loan Process’ tool. They take you step-by-step through what you can expect when applying for and receiving a loan.

Q: Will I lose my government assistance (Social Security and Medicare) if I get a reverse mortgage? A: A reverse mortgage does not affect regular Social Security or Medicare benefits. However, if you are on Medicaid or Supplemental Security Income (SSI), any reverse mortgage proceeds that you receive must be used immediately. Funds that you retain count as an asset and APRIL 2016




LTC 101:

Can My Parents Get Long-term Care Coverage? By C. Lawrence “Larry” Thomas

That is one of our most frequently asked questions. The short answer is - possibly.


efore the question can be answered we need to drill into your parent’s specific situation. We will ask some questions to determine some factors that influence the final answer. Eventually, your parents will need to be directly involved in answering these questions. 1. Do you understand what services are paid for under long-term care coverage? 2. Does one or both of your parents currently require substantial assistance with two or more of the six Activities of Daily Living (called ADLs which are eating, bathing, dressing, continence, transferring, and toileting)? 3. Does one or both of your parents need assistance to protect him-or-herself and/or others because of a mental deterioration (such as Alzheimer’s Disease)? 4. What medical conditions are present and what medications are currently being administered? 5. What surgeries or hospital stays have occurred in the past 5 years (brief details and diagnosis for each)? 6. What are the ages of the parents?

At this point we have enough information to provide an initial quotation. This quotation may change with the details of the plan that change as a result further discussion and clarification. Once the coverage is settled and the quotation is approved, the detailed application is prepared and submitted to the insurance company for underwriting. The length of the approval process depends on the details of the medical history. It can take as much as thirty days to get the final approval. The time required depends on the completeness of the application and how fast medical service providers respond to the underwriter’s requests.

The answers to these six questions will determine if coverage is possible. If your parents are not approvable for coverage we will let you know. In some cases the insurance company may have further questions.

While somewhat lengthy, working through the details will insure that you and your parents get the coverage you need at a cost that is appropriate.

Assuming that we get a green light, next come the design of the coverage and the preparation of a quotation.

The last question: How about your long-term care coverage? Buying it earlier in life is less expensive and, chances are, disqualifying medical issues are less likely. There are policies available that guarantee your premium will not increase.

There are lots of options in this stage, which means more questions. Among them are: 1. Where do the parents want to receive long-term care (at home, in a facility, day care, etc.)? It is common that this care starts at home and eventually moves to a facility when a high level of services is needed. 2. What are the financial constraints? Consumer protection regulations require the collection of financial information so that we can insure that this coverage is “suitable.” Financial information is submitted as part of the coverage application. 3. Are their special requests or requirements that need to be considered? This may include considerations such as insuring that a specific facility or luxury level is planned for. APRIL 2016

Call us for more details. There is never a charge for consultation. C. Lawrence “Larry” Thomas began work- ing with long-term care and Medicare programs in the mid1980s. He is currently associated with Insurance 101 Services to provide longterm care solutions to seniors and those approaching. Larry can be reached at (949) 374-3316 or CA Insurance License # 0C79256. 26


ARE YOU LOOKING FOR AN ALTERNATIVE TO THE CPAP MASK? FACT: Oral Appliance Therapy has been proven to be the best alternative treatment for Sleep Apnea and Snoring

FACT: Oral Sleep Appliances are made by dentists.

Q. SO, HOW DO YOU SELECT THE RIGHT DENTIST TO MAKE AN APPLIANCE THAT WILL BE SUCCESSFUL FOR YOU? A. GET A YES TO THE 10 QUESTIONS BELOW: 1. Does the Dentist have over 10 years experience in this field? 2. Does the Dentist work with more than one type of appliance? 3. Is the Dentist able to show you his Success Stories? 4. Does the Dentist work closely with Sleep Centers in your area. 5. Does the Dentist follow-up with you to make sure you get the best results? 6. Is the Dentist a Diplomate of a Sleep Academy? 7. Does the Dentist have good reviews on Healthgrades and Yelp? 8. Is the Dentist a Medicare Provider? 9. Is the Dentist’s Staff well trained on billing Medical Insurance? 10. Does the Dentist have an informative website on this subject.

CALL Y TODA (949) 829-6700



SCOTT E. WEST D.D.S., F.A.G.D. • Diplomate of the Academy of Clinical Sleep Disorder Disciplines • 22672 Lambert St. #603, Lake Forest CA, 92630

Only the



for Your

Health WHAT IS A COMPOUND? A compound is what pharmacies call a drug that is made in-house in the pharmacy’s laboratory. Before big drug companies existed in the US, all drugs were compounded at your local pharmacy by a pharmacist and his or her technicians. Compounds are customizable medications created for an individual patient’s needs. Anyone can use a compound in place of traditional drugs and there are many benefits in doing so.

Call us today to see if a compound is right for you. 31654 Rancho Viejo Road, Ste. N San Juan Capistrano (949) 429-5326

Tech Questions Seniors Should Ask When Interviewing a Prospective Real Estate Agent By Bruce Ballantine


f you have not bought or sold a home in a number of years or maybe decades, it is likely there are a few new trends in real estate you should know about when you interview real estate agents.

they are more than willing to use “old school” methods of getting signatures. Some may be required by their brokerage firms to utilize only paperless systems. If this is the case, ask the agent to show you examples of the types of things that may be asked of you during the course of working together.

One trend now common among many real estate brokerage firms is called the practice of “going paperless.” This can be a bit scary for some people, especially senior adults who are not accustomed to using computers and tablets in their personal or professional lives.

3. Can you assess my computer to insure it is compatible with the systems you use? Even if you are completely prepared to enter the paperless world with no reservations whatsoever, it can only be done if you have the right equipment. Before agreeing to a paperless process, ask the agent to do a “test run” using a non-official/non-binding document on your system to insure its functionality.

If you have any reservations about the paperless process, you should talk with your agent about any concerns. Here is some basic information about the paperless process and some key questions to ask your real estate agent. How your agent handles your questions may just help you determine if they are the right agent for you!

4. Will you provide technical support if I need some help?

What does it mean to go paperless? Going paperless simply means that instead of printing out every contract, form or disclosure for your signature, you may be asked to sign certain documents electronically.

If you do not have a trusted advisor who can help you with troubleshooting potential technology issues, make sure your agent or their staff is capable, patient, and willing to personally walking you through the steps.

This means:

5. Are you flexible if I choose to use phone and paper over electronic communication and documentation?

- Typing your name into a designated field included in a form (received via email) or, - Signing your name on a digital touchpad (laptop or tablet).

While some agents are extremely flexible in how they deliver their services, others may be married to a very specific process or style. Insure the agent you are considering is willing and able to do what is right for you, based on your comfort level, knowledge, and ability.

If you have never used this type of technology, it can seem a little unusual. This is why it’s important to educate yourself to help mitigate potential delays, avoid unnecessary frustration, and preventing surprises down the road.

Bottom Line

HERE ARE 5 QUESTIONS YOU SHOULD ASK BEFORE YOU CHOOSE AN AGENT. 1. How do you typically communicate with your clients?

It is very important to have the conversation with your real estate professional about their paperless processes and communication methods.

Good agents know that the best method of communication (phone, email, text, instant messaging) is the one that best serves the client, so agreeing upon the method is important — for both you and the agent.

Not only will doing so put your mind at ease regarding unfamiliar territory, but it may also provide your agent with necessary information so he or she can serve you more effectively.

If you want to communicate strictly by phone, be sure that you and your agent agree on the protocols for leaving and returning messages, hours of availability, and which phone numbers are best for certain times of day. Similar discussion about email and text messaging, should be had as well, if that is your desired method of information delivery.

If you have any questions about real estate please give me a call to get further information and help. Bruce Ballantine is a Seniors Real Estate Specialist and Certified Senior Advisor. He is a Realtor Associate with HomeSmart/Evergreen Realty, CalBRE #001783833. He can be reached at (949) 632-2923 or

2. What method(s) do you use for getting client signatures? The goal here is to understand your options. Many agents are still in the conversion process of going paperless and APRIL 2016




GET MOVING AND GET BACK TO LIFE At the MemorialCare Joint Replacement Center at Orange Coast Memorial, getting a new knee or hip joint can mean freedom from pain and a fast return to active living. We offer a unique combination of comprehensive, coordinated care – from diagnosis, preoperative education and surgery to personalized treatment, therapy and rehabilitation. Our progressive program is focused on getting you back where you belong – in motion and doing what you love most. Call for a referral to an expert orthopedic surgeon. 1.800.MEMORIAL | MEMORIALCARE.ORG/JOINTREPLACEMENT

Orange Coast Memorial

Understanding Sleep Apnea & Available Treatment Options By Scott E. West, DDS

Are you experiencing Daytime Tiredness, Morning Headaches, Mood Changes or Depression? Do you Snore? These symptoms are indicators of Sleep Apnea.


hen you share these symptoms with your physician he most likely will schedule a Sleep Study for you. Your doctor knows that patients with Sleep Apnea have a high potential of developing Heart Disease, Diabetes, Dementia, and Stroke. Why does Sleep Apnea cause so many medical problems? Essentially, Sleep Apnea deprives you of oxygen. Oxygen deprivation puts pressure on your cardiovascular system. This may lead to Diabetes, or Stroke. Deprivation of oxygen to the brain can also lead to Dementia, Depression, and obviously Tiredness. A Sleep Study allows your Doctor to assess the severity of your situation. As we age, the risk for developing Sleep Apnea gets higher. And, why is this? Most of us gain weight as we age. Do you weigh the same as you did at 21?

My practice website is There you will learn why the first alternative for treating Sleep Apnea is an Oral Appliance - something similar to a dental retainer that is worn on your teeth while sleeping to prevent Sleep Apnea.

This increased weight tends to close off the airway while sleeping, thus depriving your body of oxygen. Also, as we age, tissues collapse; this again tends to close off the airway. An expression I like to use is “Gravity Sucks.”

If you have symptoms of Heart Disease, Morning Headaches, Snoring, Tiredness, or Depression, you should schedule an appointment with your physician regarding Sleep Apnea. If you have already been diagnosed with Sleep Apnea, and cannot wear the CPAP, call my office today to schedule a FREE CONSULTATION. You have nothing to lose and everything to gain – including a good night’s sleep and better health.

The recommended treatment for Sleep Apnea is the CPAP mask. CPAP stands for Continuous Positive Air Pressure. Air pressure generated by the CPAP keeps the airway open and therefore avoids the negatives of oxygen deprivation. However, I see many seniors who find the CPAP mask too difficult to wear. Despite knowing it’s benefits, I’ll frequently hear from patients, “I just can’t wear it. I know it will help me, but I can’t do it.” That’s where I com in!

My staff can answer any questions you may have regarding Oral Appliance Therapy, schedule your free consultation, and review the use of Medicare or Insurance.

I am a Diplomate of the Academy of Clinical Sleep Disorder Disciplines. I have worked closely with most of the Sleep Centers and Doctors in Orange County and they have witnessed my high success rate. With over 10 years experience is this field, I have developed a system to determine which dental appliance holds the best odds of successfully treating your Sleep Apnea. APRIL 2016

For more information, visit or call (949) 829-6700 for a FREE consultation. 30


INSURANCE SERVICES FOR SENIORS AND THOSE APPROACHING Medicare/Health Insurance Marketplace-Covered Calif./Life

Call STEPHANIE FRISCH 949.351.2443

(CA Lic: 0F18674) | Long-term Care Coverage/Annuities/Life Insurance

Call LARRY THOMAS, 949.374.3316 (CA Lic: 0C79256) |

Subject of the Month: Financing Long-term Care Services Financing long-term care services (assistance with eating, dressing, bathing, toileting, and transferring – i.e., from a bed to a chair and walking) either in a facility or at home can be very costly; $7,000 to $10,000 per month is common today. There are three choices for financing this assistance: Choice 1, Self-fund: Liquidate and spend your personal assets or receive personal or financial assistance from family or friends. Choice 2: Liquidate and spend your personal assets until you qualify for MediCal long-term care coverage which will pay for all or part of you care depending on you personal situation. Choice 3: Fund this care through an insurance company by the purchase of either long-term care insurance or innovative long-term care coverage combined with life insurance or an annuity With this choice, if you never need long-term care or don’t use the entire benefit, you still have the end-oflife benefit that will transfer to your beneficiaries. For details, give us a call. There is never a charge for information or consultations.


ATTACHED Enjoy More. Forget Less. Hipzbag keeps your cell phone, keys and credit cards safe and at your fingertips. APRIL 2016



Mission Viejo Wigs:

Where Customers are “Family”


by Jody robinson

ission Viejo Wigs is truly a family business. Not in the traditional sense, where its owners and operators share the same genes. But rather in such a way that every person who has walked through Owner Betty Darroch’s doors in the 30+ years she has been in operation immediately felt like a member of Darroch’s extended family. As a professional hair and wig stylist since 1962, Betty began her career at CBS where her résumé reads like a celebrity screenplay starring the coifs of a veritable “who’s who” of Hollywood: Ann Margaret, Carol Lawrence, the Midnight Specials and the Sonny & Cher Show. She went on to work for the Hallelujah Hollywood Show at the MGM Hotel in Las Vegas.

But it wasn’t until she opened her own business in Mission Viejo that she felt as though she were “truly doing God’s work.” Her clients today include people who are experiencing hair loss due to chemotherapy treatment, alopecia or other medical conditions. Betty specializes in wigs, hairpieces and toupees for women, men and children and carries only the highest quality brands. Each wig or hairpiece is custom fit to the client for the most natural look and feel – no one will know you’re wearing a wig unless you tell them. “Hair loss, whether it is the result of illness, the aging process or heredity, can be a traumatic and emotionally draining experience,” says Betty. “We work with people on a daily basis who are facing

You can connect with Betty by calling (949) 581-4549 or via e-mail at Mission Viejo Wigs is located at 25571 Jeronimo Road in Mission Viejo. APRIL 2016



the issue of hair loss for the first time. Our goal is to help you find the solution that works best for you and do so in a caring way that makes you realize that you are not alone.” There are wonderful testimonials from longtime customers on her web site (missionviejowigs. com), but for me, the best testament to Betty’s genuine, caring nature came from a source closer to home. When my mother was diagnosed with lung cancer six years ago, there were so many aspects of what she was facing - including the side effects associated wit chemotherapy treatment – that were out of our control. But my mother’s appearance was something she felt she could dictate. We knew she would lose her hair, but she was determined not to “look like a sick person.” From the moment my mother met Betty, she knew she had found the right place and more importantly, the right person to help her. Betty shared so many stories of survival – of longtime customers and friends who fought a similar battle and won. Her warm embrace and inspired hope and help steel her resolve to maintain a positive, fighting attitude. The wig Betty selected was the perfect color and style for my mother’s face (and head) shape. The wig was so natural looking that my mother received many compliments on her “new do” and no one was the wiser. It’s been over five years since my mother completed treatment and is now leading a cancer-free life. Although her own hair has long since grown back, she still often prefers to wear Betty’s wigs on “bad hair days.” Thank you Betty!

949.388.3525 • 32840 PCH, Suite B • Dana Point

949.388.3525 • Monarch Bay Plaza • Dana Point Same location, city changed the address.

APRIL 2016



SPOTLIGHT ON Melisa Chandler Photography By Jody Robinson

Summer is right around the corner, and in our house, we take advantage of the opportunity to plan our annual family portrait when three generations of relatives are here visiting and we have everyone under one roof.


e have been lucky to find a wonderful local photographer who is simply a joy to work with. Melisa Chandler of Chandler Photography has beautifully captured our family in cherished images that adorn the walls of each of our family members’ homes. She might come from humble beginnings in Santa Cruz armed with a used 35mm camera, but she’s made a quite a name for herself as South County’s affordable and professional studio/location photographer. Specializing in family portraits, weddings, engagements, corporate and pet photos, along with photo restoration and much more, Melisa is fully vested in getting to know you so she captures your best photo-self at the right moment, so you’ll treasure it for a lifetime. “I love what I do,” says Melisa, who has been a professional photographer for nearly 20 years. “My business is 90% word of mouth. I am very patient, and I do whatever I can to make my sessions stress-less and fun for my clients!” Melisa is also famous for her participation in local school fundraisers for many schools in San Clemente. She’s also a Photoshop expert and will ensure you get the best quality prints possible. “I have about 15 years of experience with digital workflows and print fulfillment with a focus

on digital retouching and document restoration,” Melisa says. “My focus is on digital imagery, highlighting on creative digital photography and concept work and offer experience-backed full retouching and digital photoediting services at unbeatable rates. From simple clean up of the casual stray hair to full head and body replacement or background switching, I’ll happily discuss your digital editing and retouching needs as part of our services. Just give me a call!” Connect with Melisa by calling (949) 388-1859 or visit APRIL 2016



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949-267-3886 // 31888 Del Obispo, Ste. C-2, San Juan Capistrano Look for us next to Rite Aide! We are located on the same side of the center as the Verizon store in Suite C-2 //

Living with Lymphedema Benefits of Quality Medical Compression Garments By Livia De Los Rios

The lymphatic system delivers nutrients to body tissues and removes waste products. It operates similarly to the circulatory system but is a separate system.

or other risk factors, including genetics, being overweight or obese and other health problems like heart or circulation issues. Lymphedema can be complicated to treat, which is why you should see your medical professional for appropriate options as there are many variables, techniques and specialized treatments for lymphedema.



hile the circulatory system relies on the heart to pump blood around the body, the lymphatic system relies on routine movement of the muscles and joints to push lymph fluid through the body. If a section of the lymphatic system is blocked or damaged, normal drainage may be slowed or stopped, resulting in swelling or lymphedema.

The most common procedure for managing lymphedema is called Complex or Complete Decongestive Therapy (CDT).

What Else Can You Do About Your Lymphedema? The following recommendations apply only to the area of your body affected by lymphedema. • Keep the affected area very clean • Avoid injuries to the skin that can lead to infection, such as scratches or bites from pets or bites or stings from insects. • Avoid other activities that can cause more extensive trauma to the delicate lymphatic vessels, such as excessive strain during exercise, restriction of blood and lymph circulation by blood pressure cuffs, tight bra straps, waist bands, etc. • Avoid temperature extremes that can stress the lymphatic system

CDT has two phases: phase l, reduction and phase ll, maintenance, each consisting of four elements. All the elements have specific contributions and can only be effective if applied together. The four elements of CDT are:

The word “lymphedema” means swelling (edema) that results from the pooling of too much lymph fluid in areas of the body. This swelling occurs most often in the arms and legs, but it can also affect the face, neck, abdomen, or genitals. It is estimated that 5 million Americans suffer from lymphedema – resulting from cancer treatment

• Skin Care • Manual lymph drainage (MLD) • Compression therapy • Exercise therapy Short stretch bandaging is used in the reduction phase. Once the swelling is reduced and stabilized, the limb can then be fitted for a special compression garment, such as the JOBST Elvarex® or Elvarex® Soft. These garments will help control your condition. Livia De Los Rios is president and CEO of Allied Medical Supply located at 424 S. Main St., Suite M in Orange. She can be reached by calling (714) 935-9200 or visit

APRIL 2016



Soka University of America presents:

SOKA UNIVERSITY’S 15TH ANNUAL INTERNATIONAL FESTIVAL Saturday, May 7 @10:30am Soka University’s 15th Annual International Festival on May 7, 2016 from 10:30 to 5:00 will feature over 900 international musicians and dancers, 250 exhibitors, international food, children’s Adventure Land with games and inflatable rides, children’s clay workshop, art exhibitions, ceramic sales and demonstrations! The International Festival is a proud partner of Orange County Imagination Celebration.  Admission is FREE!  Parking on campus is $10 cash.  

Saturday, April 2 @5pm Join Soka University’s Ka Pilina Ho’olokahi Hawaiian Dance Club for an all-you-can-eat buffet with roast pig by Bon Appetit and a wonderful show of Pacific Island dances performed by SUA students. Buffet opens at 5 pm. Show starts at 5:30 pm on the Campus Green (outdoor seating).

A TRIBUTE TO TOM HARRELL Friday, April 8 @8pm


Storm Large


Storm Large has made a name for herself as one of the singers of the retro chic band, Pink Martini, and on the stage of Carnegie Hall performing Kurt Weill with the Detroit Symphony Orchestra. For this performance, Storm joins forces with members of her band, Le Bonheur to perform classics from the Great American Songbook and original compositions with a compelling mix of smoldering seduction, a touch of edgy humor and unquestionable class.

golobalFEST ON THE ROAD: CREOLE CARNIVAL Sunday, April 3 @7pm Over the past decade, globalFEST has become one of the most dynamic global music platforms in North America. What started as an annual showcase in New York has grown into an international brand, building audiences for world music with globalFEST-Creole Carnival stages at SXSW, Bonnaroo, and beyond. globalFEST On The Road: Creole Carnival will feature three outstanding acts: Emeline Michel – hailed as the reigning queen of Haitian Song, Casuarina – one of the most respected samba bands of Brazil, and YOUTUBE sensation Brushy One-String.

An All-Star tribute to one of the greatest jazz trumpet players of our time: Tom Harrell. Tom will be here with his regular bandmates Ugonna Okegwo and Johnathan Blake to kick off the celebration. They will be joined by Grammy Award winning saxophonist Joe Lovano, vocalist Judi Silvano, pianists Kenny Werner and Larry Vuckovich, flugelhornist Dmitri Matheny and trumpeters Sean Jones and Ron Stout. You won’t want to miss this incredible mix of outstanding musicians. BRENTANO STRING QUARTET Saturday, April 9 @8pm Since its inception in 1992, the Brentano String Quartet has appeared throughout the world to popular and critical acclaim. “Passionate, uninhibited and spellbinding,” raves the London Independent; the New York Times extols its “luxuriously warm sound [and] yearning lyricism”. SUNDAYS AT SOKA WITH PACIFIC SYMPHONY

Rachel Lee Priday & Juan-Miguel Hernandez

Sunday, April 17 @3pm The final concert of the MOZART! series will feature Mozart’s Concertante for Violin and Viola. Also being performed will be Symphony No. 41.

Come early for Dinner! Soka Bistro is open for dinner M-F 5:30-7:30 pm, Sat/Sun 5:00-7:00 pm. Only $11.25 for an all-you-can-eat buffet.

Box Office: (949) 480-4ART (4278);

Box Office Hours Mon-Fri: 10am to 2pm APRIL 2016



Box Office will be open 1 hour prior to scheduled performance times on performance days.

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April Events

Dining & Entertainment Guide APRIL 1

Girls Night: The Musical GIRLS NIGHT: THE MUSICAL has been thrilling audiences and earning rave reviews since its sensational OffBroadway debut. 7:30pm. Laguna Playhouse, 606 Laguna Canyon Road, Laguna Beach.


Dana Point Farmers Market Each Saturday, California farmers bring fresh produce to sell at the Dana Point Farmers Market from 9:00am to 1:00pm. The Dana Point Farmers Market is located in La Plaza Park on Pacific Coast Highway near the Clock Tower. The first Saturday of each month features a Craft Fair that runs until 3:00pm.


Laguna Niguel/ Aliso Viejo Farmers Market Local honey, lots of fruit, and a vast array of Asian and Western greens are among the draws. Many prepared foods, but no crafts and/or other non-food items. 9am1pm. 27068 La Paz Road, Aliso Viejo.


Happy Hour Half off appetizers and wine at Brio Tuscany Grill . 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.


Surf City Nights is a Weekly Street Fair and Certified Farmers Market Every Tuesday from 5 pm to 9 pm, 90 vendors presents unique handcrafted wares: furniture, jewelry, art, clothing, live music, street performers, community groups and kids’ activities.


Wine Wednesdays 50% Off Bottles of Wine at Tannins Restaurant & Wine Bar. 27211 Ortega Hwy, San Juan Capistrano. 6-9pm.


First Thursdays Art Walk Laguna Beach The art season in Laguna Beach flourishes year round with First Thursdays Art Walk. This educational monthly art event, held on the first Thursday of every month from 6 – 9pm, celebrates the diverse cultural art scene of Laguna Beach and is free to the public. PCH Laguna Beach.


Rhapsody in Blue The jazz connection: Gershwin married classical music to the most unique of American art forms, while Ives’ Second Symphony alludes to popular American folk tunes including “Camptown Races,” “Turkey in the Straw” and “America the Beautiful.” Between them, Ravel’s beautiful piano concerto, also heavily influenced by jazz. 8:00 p.m. 600 Town Center Drive Costa Mesa.


Annual ‘Gardenfest’ - San Clemente This years highlights include annual Plant Sale and Garden Flea Market, exhibits demonstrating sustainable practices for your garden, garden related opportunities in our community. San Clemente Community Center Avenida Del Mar at Calle Seville. 8:00 am to 3:00 pm


Alvin Ailey American Dance Theater Center for the Arts welcomes the return of the Alvin Ailey American Dance Theater with a program of works drawn from the company’s large and captivating repertory. Center audiences join all dance lovers around the world in reveling in the Alvin Ailey spirit, imagination, commitment and energy. It is one of the most celebrated and APRIL 2016



beloved dance companies in the world. 1:00pm. Segerstrom Hall. Tickets start at $29. 600 Town Center Drive Costa Mesa.


Rain: A Tribute to the Beatles Rain: A Tribute to the Beatles is a live multi-media spectacular that takes you on a musical journey through the life and times of the world’s most celebrated band. 7:30 p.m. Segerstrom Hall. Tickets start at $39. Tickets start at $29. Segerstrom Hall. 600 Town Center Drive Costa Mesa.


Zombie in Love: the Musical Book and Lyrics by Michelle Elliott, Music by Danny Larsen is based on the picture book; Zombie in Love by Kelly DiPucchio with drawings by famed illustrator, Scott Campbell. Mortimer, a teen zombie, is looking for a girl to take to the Cupid’s Ball. Laguna Playhouse, 606 Laguna Canyon Road, Laguna Beach.


San Juan Capistrano Farmers Market Each Wednesday, residents and visitors can enjoy purchasing fresh flowers, produce, and specialty foods at the San Juan Capistrano Farmers’ Market. The market features up to 30 vendors and is held at Yorba Street and Camino Capistrano right in the heart of downtown San Juan Capistrano. 3-7pm


Shen Yun Shen Yun brings the profound spirit of this lost civilization to life on stage with unrivaled artistic mastery. Every dance movement, every musical note, makes this a stunning visual and emotional experience you won’t find anywhere else. Banned in communist China today, the non-profit Shen Yun is dedicated to reviving 5,000 years of civilization. Experience the Arts connecting Heaven & Earth! Experience Shen Yun! 7:30 p.m. Tickets start at $60. Segerstrom Hall. 600 Town Center Drive Costa Mesa.


Martin Short Richard Kaufman, conductor Martin Short, guest artist It’s an unpredictable and undeniably fun night when multitalented and multifaceted comedy legend Martin Short joins Pacific Symphony for a hilarious evening of song, dance and laughter. The Emmy and Tony Award®-winning actor is best known for his appearances on Saturday Night Live and his scenestealing roles in Father of the Bride and Three Amigos. 8:00 p.m. Tickets start at $35. Segerstrom Hall. Tickets start at $29. 600 Town Center Drive Costa Mesa.


Dana Point Farmers Market Each Saturday, California farmers bring fresh produce to sell at the Dana Point Farmers Market from 9:00am to 1:00pm. The Dana Point Farmers Market is located in La Plaza Park on Pacific Coast Highway near the Clock Tower.


Sundays at Soka with Pacific Symphony, Rachel Lee Priday & Juan-Miguel Hernandez Juan-Miguel Hernandez, violist, Rachel Lee Priday, violinist The final concert of the MOZART! series will feature Mozart’s Concertante for Violin and Viola. Also being performed will be Symphony No. 41. 3pm. Soka University of America, 1 University Drive, Aliso Viejo.


Happy Hour Half off appetizers and wine at Brio Tuscany Grill . 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.


HB DOWNTOWN ART WALK The Huntington Beach Downtown Art Walk is held on the 3rd Thursday of each month from March to October held from 6-9pm. Between 35 - 50 artists fill the sidewalks on Main Street between PCH and the Art Center and also on The Strand. Check in at the HB International Surfing Museum Parking Lot for a map of artists and locations so you can begin your self-guided tour. 6-9pm. Main Street & The Strand 315 3rd Street, Suite E. Huntington Beach


Floral Park Home & Garden Tour - Santa Ana Once again the Floral Park Neighborhood, recipient of Neighborhoods USA’s “Neighborhood of the Year”, will be hosting its annual Home and Garden Tour. Whether experiencing a stroll through the beautiful vintage homes and gardens, searching for treasures at the Antique & Collectables Sale, viewing the Classic Automobile Display, or enjoying a snack at the food and drink concessions, you will surely leave the Floral Park Home & Garden Tour with nostalgic memories of a day well spent. Located at Santa Clara and Heliotrope, Santa Ana.


Eco Garden Expo - San Juan Capistrano Hosted and organized by Goin Native Therapeutic Gardens, a non-profit organization, Eco Garden Expo is free to the public and will feature a huge plant sale and a vast array of unique environmental friendly products, resources and services from vendors throughout Southern CA. Los Rios Park San Juan Capistrano


Taco Tuesday Ricardo’s Place Mexican Restaurant. 32082 Camino Capistrano San Juan Capistrano. 11am-9pm (every Tuesday).


Happy Hour Half off appetizers and wine at Brio Tuscany Grill . 24050 Camino Del Avion, Dana Point. 3:30-6:30pm.


Surf City Nights is a Weekly Street Fair and Certified Farmers Market Every Tuesday from 5 pm to 9 pm, 90 vendors presents unique handcrafted wares: furniture, jewelry, art, clothing, live music, street performers, community groups and kids’ activities.


Midori & The Planets Debussy’s serene piano piece, orchestrated by the legendary Leopold Stokowski. Then, Korngold’s achingly beautiful Violin Concerto (reimagined from his Oscar-winning film scores), performed by former child prodigy Midori, now a mesmerizing virtuoso. Finally, Gustav Holst’s dramatic interpretation of the cosmos. Music inspired by the galaxy itself — grand and exciting! Renée and Henry Segerstrom Concert Hall. 8pm.Tickets start at $25. 600 Town Center Drive Costa Mesa


Spring Citrus Fair The La Habra Chamber of Commerce will produce its Annual Spring Citrus Fair — full of period charm — showcasing the history of the La Habra Valley. Event will include entertainment, carnival rides, local food, exhibits & character mascots. Free Admission. La Habra Boulevard between Euclid and Cypress Streets



Capo Beach Farmers Market Visit the area’s latest weekly market where locally-grown, organic produce and regional artisans are featured. Noon-6 p.m. Capo Beach Church, 25975 Domingo Ave.

the world, Southern California Woodie Club. Over 150 classic wooden cars, surf wagons will be on display. Doheny State Beach [south end of park].

Doheny Wood Doheny Wood is one of the Premier Woodie Events of the year, presented by the largest Woodie organization in

Dana Point Farmers Market Each Saturday, California farmers bring fresh produce to sell at the Dana Point Farmers Market from 9:00am to 1:00pm. The Dana Point Farmers Market is located in La Plaza Park on Pacific Coast Highway near the Clock Tower.

Have an event to showcase? Email APRIL 2016



How a Burnt Roast Inspired a Theatre Classic! By Beverly Blake and Tom ScoTT

The origin of the idea for The Odd Couple play varies depending upon the source. One version in Danny Simon's obituary (Neil Simon’s brother) reported in The Washington Post by Adam Bernstein was that the idea for the play came from Danny’s divorce.


r. Simon had moved in with a newly single theatrical agent named Roy Gerber in Hollywood, and they invited friends over one night. Mr. Simon botched the pot roast. The next day, Gerber said: "Sweetheart, that was a lovely dinner last night. What are we going to have tonight?" Mr. Simon replied: "What do you mean, cook you dinner? You never take me out to dinner. You never bring me flowers." Danny Simon then wrote a partial first draft of the play, and handed over the idea to brother Neil.

Neil Simon introduces us to Oscar who can’t be bothered with orderly details. He doesn’t care if there are month-old leftovers in the fridge because his mind is on other things that he considers more important. He also wouldn’t care if there is an unread stack of newspapers on the desk because someday he will read them. Felix, however, would just bulldoze the desk. Felix is written as the person whose attitude toward possessions is cavalier because anything nonfunctional is just another dust catcher. As with other neat people it is his mission to clean and organize everything, even other people’s lives. You’d never hear him say “live and let live”! When Neil Simon brings these two types together in The Odd Couple, no good deed goes unpunished. Oscar’s generosity at opening his home to Felix is punished by Felix’s attempt to change his lifestyle. Felix’s attempt to improve Oscar is punished by Oscar’s resentment. Simon’s genius is what makes this story as funny today as when it was first performed in 1965.

The Odd Couple runs weekends from April 15th to May 1st at Camino Real Playhouse in San Juan Capistrano.

APRIL 2016



enoSTEAK By Jody Robinson

Delicious dishes, an extensive - and impressive - wine selection and impeccable service defines this signature restaurant at The Ritz-Carlton, Laguna Niguel


he menu at this intimate, contemporary steakhouse highlights “sustainability-focused cuisine” - each grilled-to-perfection, mouthwatering steak comes from prime grass-fed, pasture-raised beef with no growth hormones or antibiotics. The organic produce used to create the inventive salads (think asparagus Ibérico salad with a poached egg and caviar crème fraîche) and side dishes (including the sauteed wild mushrooms and petite peas) is grown locally and harvested at the peak of the season, allowing for maximum flavor.

Everything is sourced from farms within 150 miles from the resort. The majority of the herbs are gathered from the resort’s organic garden. Every meal starts with a complimentary pâté - on this night it was a chicken liver pâté accompanied by a multigrain ciabatta bread. Personally, I’ve never been a big fan of pâté, but apparently enoSTEAK serves this acquired taste with aplomb because the aficionados at the next table raved about the taste and texture. Having said that, I loved the presentation - the pâté arrived on a custom “conversation piece” crafted from recycled wine bottles created by Elizabeth Gurklys, a Southern California glass artist.

Accompanying the handcrafted meats and seafood are a selection of five enoSTEAK signature compound butters including black The Ritz-Carlton, Laguna Niguel summer truffle, roasted One Ritz Carlton Drive heirloom tomato, garLaguna Niguel den herb and garlic, 30i (949) 240-2000 enoSTEAK butter and tarragon béarnaise sauce.

For starters, enoSTEAK showcases artisanal cheeses and charcuterie - a curated selected of cured meats that are perfectly paired with a glass of a classic California vintage. Did I mention the extensive wine selection? This is clearly a restaurant that caters to the wine connoisseur - there are over 40 varieties on the dinner menu, but the master list boasts nearly 200 wines to choose from - the impressive decorative glass “wine tower” that serves as the centerpiece of the dining room holds approximately 300 bottles.

Chicken and seafood options are on the menu - the chicken is Jidori™, which means “chicken of the earth” and all of the fish is sustainable and either farm raised or pole/troll caught. But make no mistake: the steak here is king. Each handcrafted cut, including the Grilled Prime Bone-in New York Steak, the Grilled Prime Rib Eye Stek and the Grass-Fed Beef Tenderloin is from Niman Ranch, a farm that is committed to raising the highest quality breeds and is dedicated to caring for its livestock traditionally.

APRIL 2016



As delicious as the dishes are and as warm and inviting as the ambiance is, great service makes the dining experience here all the more memorable each member of the team, from the hostess to the waitstaff, was extremely personable, attentive, knowledgeable and unobtrusive. enoSTEAK is located at The Ritz-Carlton, Laguna Niguel, located at 1 Ritz Carlton Drive in Dana Point. For information or reservations, please call (949) 240-2000.

Take Charge of Your Retirement Martin J. Lombrano, AIF®, LPL Financial Advisor 800-731-3623




• Defined Contributions Plans

• 529 Plans

• Will and Trust Review

• Defined Benefits Plans

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• Beneficiaries & Ownership Review

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• Intergenerational Wealth • Charitable Giving • Estate Administration

Martin J. Lombrano, AIF®, is a LPL Financial Advisor and PERSONAL FINANCIAL PLANNER(tm) (PFP) with over 20 years of experience in the financial planning field. Martin has served as the owner and president of his own financial planning firm in Irvine. In 2007, he joined Pence Wealth Management and LPL Financial. Martin has extensive experience in insurance, charitable giving, asset management, retirement planning, as well as growth and preservation of retirement assets. Martin has been honored numerous times as a top advisor within the independent brokerage and advisory community. He believes listening, trust, persistency and service are the foundation of lasting relationships and success. CA Insurance Lic # 0828215.

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA & SIPC. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 1⁄2 are subject to a 10% IRS penalty tax and surrender charges may apply. LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial. Co-Sponsored by Lincoln Financial.



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