Sorbet Magazine October 2016 by Jody Robinson

SORBET

THE ORANGE CATHOLIC FOUNDATION OFFERS OPPORTUNITY TO LEAVE A LASTING LEGACY page

DINEINLAGUNAWOODS OCTOBER MENU

A SoCal Senior Publication

Dr. Amy Bremner

Dr. Lisa Guerra

Dr. Lisa Curcio

page 25

October 2016

Dr. Hang Dang

WOMEN OF SURGERY

Dr. Nimmi Kapoor

Page 12

DINING & ENTERTAINMENT GUIDE + OCTOBER EVENTS

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Contents 8 7 Reasons Why Informed Investors Choose Fiduciaries 10 The Orange Catholic Foundation Offers an Opportunity to Leave a Lasting Legacy

12 COVER FEATURE:

BREASTLINK Women of Surgery

16 Capstone Financial Offers SoCal Residents New IRS Tax Resolutions that Work 18 Are You Looking for a Medicare-Approved Treatment for Sleep Apnea? 20 FarrowWrap for Acute & Chronic Edema, Lymphedema 22 Got Medicare, But Don’t Want to Feel Like You’re Being Sold? 25 DineInLagunaWoods October Menus

14 Five Quality-of-Life Reasons It Makes Sense to Exercise and Eat Healthily

26 Mission Viejo Wigs: Where Customers are “Family” 28 Conquer the Checkout Aisle without the Sugary Guilt 36 Dial “M” for Murder at Camino Real Playhouse! 40 Segerstrom Center for the Arts - October Events

30 Absolutely Fabulous: Surf City’s Most Unique Gifts and Decor Boutique

46 SOKA Performing Arts Center October Events OCTOBER 2016

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44 Odessa by Cavalia: The World’s Largest Touring Production Returns to OC on November 16

MEMORIALCARE. GOOD FOR YOU.

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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

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SORBET MAGAZINE

A SoCal Senior Publication

OCTOBER 2016 PUBLISHER Community Publications, LLC. EDITOR Jody Robinson jody@sorbetsocal.com ASSISTANT EDITORS Janessa Rasmussen Sara Watt ADVERTISING INQUIRIES (714) 469-3495 ACCOUNT EXECUTIVES Marlo Andersen Anthony Arcurio Eric Bergstrom Kim Roberson CONTRIBUTING WRITERS Beverly Blake Rachel Burnett, Au.D. Livia De Los Rios Carolyn Fetters Paul Fetters Denice Merrill Tom Scott Scott E. West, DDS CONTRIBUTING PHOTOGRAPHY Lana Farfan, Caught in the Moment Photography

Community Publications, LLC. P.O. Box 73188 San Clemente, CA 92673

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7 REASONS

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 Martin J. Lombrano, AIF®, LPL Financial Advisor

INDEPENDENCE

WHEN GIVING ADVICE, YOUR FIDUCIARY WORKS SOLELY FOR YOU.

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

EDUCATION

YOUR FIDUCIARY FOLLOWS A DUTY OF CARE.

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.

COMPETENCE

FIDUCIARIES ARE HELD TO HIGH STANDARDS WHEN MAKING RECOMMENDATIONS FOR PRODUCTS AND SERVICES.

INTEGRITY

YOUR FIDUCIARY SHOULD PLACE YOUR NEEDS AND OBJECTIVES AT THE FOREFRONT OF ALL PLANNING DECISIONS.

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. OCTOBER 2016

YOUR FIDUCIARY’S DUTY TO YOU IS A HIGHLY SCRUTINIZED RELATIONSHIP IN THIS INDUSTRY.

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 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 (714) 342-0431 or email martinj.lombrano@lpl.com. 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.

TRUST

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.

COMPETENT FIDUCIARIES CAN IMPART GREATER CONFIDENCE!

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.

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.

CONFIDENCE

YOUR FIDUCIARY KEEPS YOU INFORMED.

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.

(714) 342-0431

COMMUNICATION

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

SORBET MAGAZINE

Priorities  More Choices for ALL Students  Attract and Retain Top Teachers and Staff  Less Bureaucratic Hoops for Parents  Improved Stakeholder Communication OUR CHILDREN ARE OUR FUTURE. ADVOCATING FOR & SERVING THEM IS MY PRIORITY.

VOTE November 8 for Amanda Morrell for SVUSD Board of Education Here’s What People are Saying! “I appreciate the time she takes to stay connected to the staff and students.” - SVUSD Teacher

 Spending Transparency  Balance the Budget

Website: http://amandamorrell.com

“Her commitment to the welfare of all students is uncontested. Her intelligence, patience, skill and willingness to do the “heavy lifting” behind the scenes and with very little glory should be deeply valued.” - Heidi Galloway Teacher, SVUSD Teacher 2001-2008 “Thank you for your passion for public education....For teachers and parents, your leadership inspired many and made us feel supported all at the same time.” - SVUSD Teacher “As an administrator that worked closely with Amanda during my tenure I know she’ll be especially sensitive to the concerns of parents as well as teachers.” - Susan Navarro Sims, Retired SVUSD Principal.

Email: amanda@ amandamorrell.com

“I wholeheartedly endorse Amanda Morrell for SVUSD School Board 2016!” - Charlotte Hanson, Principal, former SVUSD Teacher and Saddleback Valley Educators Association Vice President “With her persistence and “never take no” attitude, we were successful in obtaining an additional $2.9 million specifically for the repair of Portola Hills Elementary....She asks the tough questions, demands answers and action and is open to speak to anyone about the issues facing public schools in California today. ..... strong advocacy for the development of the Stadium at El Toro High School.” - Steven L. Fish Ed.D, Retired Superintendent, SVUSD Board of Education “A vote for Amanda Morrell for the Board of Education is a vote for continued excellence in our schools!” - Ginny Fay Aitkens, Current President SVUSD Board of Education.” “She has consistently demonstrated the skills and ability to direct the future of the school district.” - Joan Wilson, Regency Real Estate “I like how you listen to the community as well as have your own ideas.” - Debbie Kayoda, parent and community member View Amanda’s growing list of Endorsements: http://amandamorrell.com/endorsements/

Amanda.Morrell.SVUSD

ADDRESS: Amanda Morrell for School Board 2016 27758 Santa Margarita Parkway #501 Mission Viejo, CA 92691

KIDS FIRST VISION, MAKE THE RIGHT DECISION PAID FOR BY AMANDA MORRELL FOR SCHOOL BOARD 2016, ID# 1387426

THE ORANGE CATHOLIC FOUNDATION OFFERS AN OPPORTUNITY TO LEAVE A LASTING LEGACY

Since its first Wills and Trusts Week in the fall of 2011, the Orange Catholic Foundation (OCF) has had as one of its primary goals to encourage everyone to have an estate plan designed to provide for the needs of their families.

ach year in the spring and fall, the OCF works in collaboration with parishes and schools throughout the Roman Catholic Diocese of Orange to provide information sessions led by local Catholic estate planning attorneys and financial advisors to help you protect and provide for your loved ones, update or create your estate plan, and learn more about wills, trusts, estate taxes, probate expenses, guardianship of minor children, selection of personal representatives, and more.

• Who should we appoint as our trustees and successor trustees? • Who will be the guardian of my dependent children or child with special needs if something happens to me? The Orange Catholic Foundation warmly welcomes all who are interested in attending one of the upcoming sessions during the week of October 17 through 26. Times and locations for the fall Wills and Trusts Week are listed in their advertisement in this issue of Sorbet.

For convenience, the Foundation offers a series of morning and evening seminars that are scheduled at local parishes across the diocese.

Everyone who attends and completes a basic introductory form will receive a complimentary consultation with both an estate planning attorney and a financial planner within the next six months.

While learning how to effectively plan a legacy, attendees at these sessions receive answers to such questions as:

The Orange Catholic Foundation is a 501(c)(3) charitable corporation and an autonomous pious foundation that exists to serve the Diocese of Orange, including its parishes, schools and overall diocesan mission. The OCF plans and conducts major diocesan fundraising programs including the Proud to be Catholic Pastoral Services Appeal (PSA), the For Christ Forever Capital Campaign, the Conference on Business & Ethics, the annual Wills and Trusts Weeks and other special fundraising events. The Foundation also manages endowments and various charitable funds and grants funds according to the donor’s intent.

• Who will make my healthcare decisions if I am no longer able to act on my own behalf? • Who will have the power to manage our finances if we are no longer able to manage our property or financial affairs? • What is the difference between a will and a trust? • What happens if I pass away without an updated estate plan? • What are the advantages of pre-planning for my funeral expenses? • How can we leave a legacy of faith? OCTOBER 2016

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BREASTLINK WOMEN OF SURGERY Dr. Amy Bremner is a breast-dedicated surgical oncologist. She earned her medical degree at Georgetown University in Washington, D.C. and then returned to California for surgical training at Huntington Hospital in Pasadena, CA. After completing her board certification and a year of practice, Dr. Amy Bremner received a breast oncology fellowship at the University of Southern California, specializing in oncoplastic breast surgery. She was trained by one of the fields’ pioneers, Dr. Melvin Silverstein, who increased her technical understanding of oncoplastic surgery and introduced her to the multidisciplinary approach to breast cancer treatment. After completion of her fellowship, the Society of Surgical Oncology certified her as a breast surgeon. Dr. Bremner is committed to achieving superior oncologic outcomes and excellent cosmetic results for all her patients.

Dr. Lisa Curcio is a board-certified general surgeon and a fellowshiptrained surgical oncologist. She attended George Washington University Medical School in Washington, D.C., and received a cancer surgery fellowship at City of Hope National Medical Center in Duarte, California. After completing her fellowship, Dr. Curcio joined the military and served as Chief Surgical Oncologist at Keesler Medical Center in Biloxi, Mississippi. During her military service, she contracted breast cancer. Inspired by her physical and emotional impact of the disease, Dr. Curcio returned to southern California and became a breast-dedicated surgical oncologist, helping women overcome the disease that had afflicted her.

Dr. Lisa E. Guerra is a board-certified, Dr. Hang Dang received her medical breast-dedicated surgeon. She earned degree from the University of Medicine her medical degree from the University and Dentistry of New Jersey in Stanford, of Illinois at Chicago, where she also where she stayed to complete a general completed her residency. Afterwards, surgery internship and residency. After Dr. Guerra received a fellowship in her residency, Dr. Dang completed a breast surgery at the University of breast surgical oncology fellowship at the Southern California and the Los University of Pittsburgh Medical Center Angeles County + USC Medical Center. and an aesthetic breast surgery fellowship During her fellowship, she won the at Northern Westchester Hospital in Judith and David Buell Fellowship in Mount Kisco, New York. Before joining Breast Surgery and pursued a second Breastlink, Dr. Dang worked as a breast surgical oncologist the Guthrie Medical Group in Sayre, Pennsylvania. year of specialized training. In addition to her work at Breastlink, Dr. Guerra has been a principal investigator in multiple breast She is an active member of her community, working several cancer clinical trials. She’s presented her findings to professional volunteer medical clinics andthe Susan G. Komen Foundation. medical associations and published her research in numerous peer-reviewed journals Dr. Nimmi S. Kapoor is a fellowship-trained, board-certified oncology surgeon specializing in breast and thyroid cancer. She earned her medical degree at the prestigious Weill Cornell Medical College in New York City, before completing a general surgery residency and an endocrine cancer research fellowship at New York Presbyterian Hospital-Cornell. She received advanced breast surgical oncology training at the Memorial Sloan-Kettering Cancer Center and completed a breast and thyroid surgical oncology fellowship at the John Wayne Cancer Institute and Cedars Sinai Medical Center. Dr. Kapoor has participated in multiple research studies and her research has been published in Annals of Surgical Oncology, American Journal of Surgery, and Cancer. Los Angeles Magazine has named her one of their “Top Doctors” every year since she started practicing medicine.

BREASTLINK.COM

Five quality-of-life reasons it makes sense to exercise and eat healthily. By Paul and Carolyn Fetters “You can’t out-exercise a bad diet.” Ask anyone worth their salt who works in fitness and/or nutrition and they’ll tell you it’s the truth.

1. YOU’LL REDUCE YOUR CHANCES OF GETTING DIABETES.

This begs the question: If your goal is to lose weight, can you do so by focusing on your diet only?

Exercise: When you exercise your heart beats a little faster and you breathe a little harder. Your muscles, in turn, use more glucose (the sugar in your bloodstream.) Do this consistently and over time it will lower your blood sugar level which in turn makes the insulin in your body work better.

Yes, you can, but you’ll risk being what’s called “skinnyfat.” Skinny-fat is looking nice and slim with your clothes on, but when you take them off, it’s a different story. Because you don’t exercise regularly, you have little muscle tone, no definition and you look a little soft all around.

Nutrition: According to the Harvard T.H. Chan School of Public Health the following food strategy will help you avoid type 2 diabetes: 1) Choose whole grains and wholegrain products; 2) Skip sugary drinks and choose water; 3) Choose good fats; 4) Limit red meat and avoid processed meat; 5) If you smoke, quit; 6) Moderate your consumption of alcohol.

By exercising you create physical strength, which has a huge impact on the quality of your life; such as, getting up and down off the floor, in and out of your car, and carrying groceries, all these become simpler and you won’t give them a second thought if you have physical strength. The simple truth is that if you want to be in optimum shape and look and feel great, you have to exercise and eat healthily.

2. YOU’LL HAVE HEALTHY BONES - Osteoporosis is a disease in which your bones become weak and brittle. Exercise: Your bones are living tissues that become stronger with exercise. During the third decade of our lives, our bones begin to lose their strength. Regular exercise

But, of course, there are other reasons. Here are five of them and the role exercise and nutrition play... OCTOBER 2016

SORBET MAGAZINE

5. YOU’LL LOOK YOUNGER - Your metabolism starts to slow down in your thirties. Mid-to-late thirties is when some people (not all) first begin wanting to look younger. When you’re happy with how you look you tend to be happier and have more self-confidence.

increases your bone strength and bone density. Exercise also helps us maintain muscle strength, coordination, and balance. This is important because strong muscles help prevent falls and fractures. The best exercises for bone strength are the weight-bearing kind such as weight training, walking, jogging, hiking, tennis and dancing.

Exercise: A 2014 study done by McMaster University in Ontario, Canada came to the conclusion that the best way to look younger is not through anti-aging creams, but through regular exercise. Researchers used a patch of skin on people’s buttock for the study. They found that people who were over 65 and adopted an exercise regimen for three months had skin (in the study area) that resembled those of 20 to 40-year-olds. Dr. Mark Tarnopolsky, who oversaw the study, says “All they had done different was exercise. It is astonishing to consider all of the intricate ways in which exercise changes our bodies.”

Nutrition: There are two key nutrients your body uses to build strong bones: Calcium and Vitamin D. Foods that are known to be good for you bones are dairy products such as eggs, low-fat and non-fat milk, yogurt and cheese; canned sardines and salmon (with bones); tuna; dark, leafy greens, such as kale, arugula, watercress, and collard; broccoli; almond butter; soy beans and nuts.

3. YOU’LL HAVE LESS STRESS - According to the American Medical Association, stress is the basic cause of more than 60% of all human illness and disease!

Nutrition: “Your diet directly affects your day-to-day appearance and plays a significant role in how well you age,” says New York City doctor Joshua Zeichner, MD. If you want to look younger than your years when you get older, here are some of the foods you should focus on: watermelon (it’s high in lycopene which helps stave off sun damage to your skin) ; pomegranates (high in antioxidants that help prevent fine lines, wrinkles and dryness.); blueberries (contain antioxidants that brighten the skin and even out its tone.); lobster (contains zinc which accelerates renewal of your skin cells); kale (high in iron lack of which can cause you skin to look pale); avocado (high in oleic acid which helps moisturize your skin); cantaloupe (contains beta carotene which helps regular skin cells on your scalp and your skin’s outer layer.

Exercise: Physical activity increases your brain’s production of endorphins. Endorphins give you a sense of wellbeing and euphoria. Exercise also improves blood flow and your body’s ability to use oxygen both of which have a direct, positive result on your brain’s well-being. Nutrition: Some foods help stabilize your blood sugar which helps keep you on an even keel when it comes to your emotions. Foods to embrace are green leafy vegetables, wild caught Alaskan Salmon, blueberries, pistachios, dark chocolate, avocado, nuts and seeds, red peppers, and green tea (to name a few.)

It’s been said that when it comes to an overall healthy lifestyle, nutrition is 70% of the puzzle and exercise is 30%. Some put nutrition as high as 80%. Which makes it clear that if you want to sleep better, have less stress in your life, have healthy bones and avoid type 2 diabetes (among other benefits), you need a lifestyle strategy that includes both exercise and nutrition.

4. YOU’LL GET MORE SLEEP - Sleep disorders affect 40% of adults according to research done by Quebec’s Laval University. When you don’t get enough sleep, you could get sick easier as lack of sleep reduces your body’s ability to fight illness; your chances of developing heart disease or having a stroke is increased; your decision making, memory, reasoning, and problem solving suffers; your risk of diabetes increases and your looks suffer. Exercise: An Oregon State University study showed that people who did 150 minutes of moderate to vigorous exercise a week reported a 65-percent improvement in sleep quality. Study participants who exercised found that they felt less drowsy during the day compared to those who were less physically active. Study researcher, Brad Cardinal, professor of exercise science at the university says, “Physical activity may not just be good for the waistline and heart, but it also can help you sleep.

Paul and Carolyn Fetters own three Training Spot Gyms in Orange County. Home to The TakeDown Challenge™, TSpot is located at 16942 Gothard St. in Huntington Beach, a second HB location at 440 Main St., and the newest gym at 1534 Adams Ave. in Costa Mesa. Paul is certified through the State of CA to speak in Nutrition, Fitness and Wellness. He regularly speaks to several Police and City Agencies throughout OC. For more info, please call (714) 8419294 or (714) 374-7448 or visit www.tspot.org

Nutrition: The research is far from definitive but it’s thought that eating some foods before bedtime promotes sleep while eating other food hinders it. Foods you’ll want to avoid before bedtime are alcohol of any kind, coffee, dark chocolate, energy drinks, soda, spicy food, fatty foods, steak, chicken, and grapefruit. OCTOBER 2016

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Capstone Financial offers SoCal Residents NEW IRS TAX RESOLUTIONS THAT WORK IRS problems are a very personal issue and people facing them often do not know where to turn for help. "IRS problems generally affect all aspects of your life,” says Edward Daoud, Ph.D., MBA., EA. "Many people just live with the problem for months and sometimes years, assuming that nothing can be done about it.” For anyone facing IRS problems, imagine how relieved they'd feel in the hands of a competent expert who deals with the IRS on a daily basis - a professional who truly cares about helping people. An expert who would give them the peace of mind they and their family deserve so they can stop looking over their shoulder once and for all, knowing that they no longer need to meet or communicate with the IRS. Too often, individuals attempt to handle their IRS situation themselves (or with their current CPA or the person who prepared their taxes), but don’t receive the relief they are seeking.

the services provided by Capstone Financial” and encourages anyone facing IRS issues to “avail yourself to this experience. A personal touch is deeply appreciated."

Because they know the ‘ins and outs’ of the tax system, Edward Daoud and his experienced team of enrolled agents at Capstone Tax Resolution are uniquely qualified to help individuals struggling with IRS issues to negotiate a personalized solution for the resolution of their tax problems.

Capstone Financial & Tax Services handles IRS representation services including the Preparation of Unfiled Income Tax Returns, Penalty Reduction, Offers in Compromise (OIC), Payment Plans, Financial Hardship Plans, Wage Garnishment/Bank Levy Releases, Audits and IRS Appeals.

"It’s easy for good, hard-working Americans to fall behind,” says Edward. "Providing IRS Tax help to Orange County residents was a natural evolution for us as a company to expand the scope of our financial services. We have helped settle over 100 cases for a small fraction of the amount owed. As your representative, we handle all IRS communications on your behalf.”

"We’ll listen to your IRS difficulties in our office in complete confidence at NO CHARGE. We’ll answer your questions, explain your options and suggest solutions and provide you with a written estimate of our fees to permanently resolve your IRS difficulties.” To connect with Edward and the team at Capstone Tax Resolution call (949) 3103261 or visit www.CapstoneTaxPros.com. Capstone is located at 43 Marbella, Suite 102 in San Clemente.

One client, James S. of Laguna Woods says that working with Edward was a “warm and personal as well as a professional experience. We would absolutely recommend OCTOBER 2016

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SO, YOU’VE ALREADY GOT A MEDICARE PLAN…. WHO’S WATCHING YOUR BACK? By Denice Merrill

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(714) 350-9814 • 92866

SONIA JENSEN

(714) 325-2346 • 92870

MILTON ST. JOHN

(949) 677-8338 • 92629

OCTOBER ~ MEDICARE ENROLLMENT MEETINGS TO ATTEND (OPEN ENROLLMENT OCT 15TH-DEC 7TH) SATURDAY 15TH - BIG KICK OFF 2017 MEDICARE PLANS- MISSION HOSP CONF CTR 10:00A (PARKING VALIDATED) MONDAY 17TH - LUCILLES BBQ LAKE FOREST 3:00P- COME FOR SWEET TEA AND SENIOR MOVIE TICKET RAFFLE TUESDAY 18TH- MIMIS LAKE FOREST UNITED HEALTHCARE ROLL OUT 2:00P TUESDAY 25TH- ARROYO TRABUCO GOLF COURSE-UNITED HEALTHCARE ROLLOUT IN SOUTH OC 9:30A WEDNESDAY 26TH- STILL WORKING, WE’VE GOT YOU-MEDICARE PLANS FOR 2017-MISSION HOSP CONF CTR 6:00P (PARKING VALIDATED) THURSDAY 27TH- LAGUNA WOODS MARKET PLACE EVENT/BOOTHS/ SPEAKERS CONTACT SUSIE & RICHARD WHITE BILINGUAL/SPANISH MEDICARE PLANS EXPLAINEDCONTACT SABRINA MARCELA PEARCY

RED PEDROZA

(949) 842-1721 • 92618

STEPHEN MERRILL

(949) 584-2634 • 92675

KEITH PLEDGER

(714) 288-1440 • 92821

TUES 18TH - EL CORTEZ RESTAURANT LAGUNA NIGUEL 6:00P TUES 25TH - RICARDOS RESTAURANT SAN JUAN CAPISTRANO 3:00P

RANDALL KRUG

(949) 249-9020 • 92677

Call any one of our licensed Medicare Insurance agents and ask which events they are hosting. They can also make an appt to meet with you in person ~ never a fee! Pick someone that watches your back. *It must be noted that a Licensed Insurance Sales Person will be present at all the events*

SABRINA MARCELA PEARCY

Bilingual (Spanish) (714) 272-9544 • 92672

We do not work for Medicare.

Call Denice Merrill for additional information (949) 388-7332 SUSAN ROYCE

You can visit www.bridlewoodinsurance.com and click on Find an Agent to get a little more background

(949) 933-8210 • 92625

CHRISTINA RAMUS

(619) 994-3322 • 92679

Denice Merrill

Merrill Insurance Services, Inc. Specializing in Medicare Plan Choices with over 10 Years Experience. She can reached by calling 949-388-7332 CA LIC# 0D99790 OCTOBER 2016

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SUSAN & RICHARD WHITE “TEAM”

(949) 303-6783 • 92637

CAROL CHAMBERLAIN (714) 263-3400 • 92780

Are You Looking for a Medicare Approved Treatment for Sleep Apnea? 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 www.CannotUseCPAP.com. 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 come 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 other Insurances.

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. OCTOBER 2016

For more information, visit www.CannotUseCPAP.com or call (949) 829-6700 for a FREE consultation. 18

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MEDICARE OPEN ENROLLMENT SUPPORT HOUR

Complimentary - Every Monday! OC Pharmacy is kicking off an annual MEDICARE OPEN ENROLLMENT SUPPORT HOUR to help seniors in our community navigate the 2016 Medicare Open Enrollment process and answer pharmacy-related questions. The purpose of this free educational hour is to help seniors understand their Medicare options for the coming year and give them community resources to assist them in utilizing their health plan.

THERE WILL BE GIVEAWAYS AND A SMALL RAFFLE PRIZE FOR THOSE IN ATTENDANCE. October 10th: 1 p.m. - 2 p.m. Donut Social: Come for the Donuts and Learn about the “Donut Hole” October 17th: 1 p.m. - 2 p.m. General Enrollment Support Session October 24th: 1 p.m. - 2 p.m. Baked Goods Social: Diabetes Management

31654 Rancho Viejo Rd., Suite N San Juan Capistrano

(800) 429-5102

Living with Lymphedema Benefits of Quality Medical Compression Garments

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

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.

TREATMENT OPTIONS

 Avoid injuries to the skin that can lead to infection, such as scratches or bites from pets or bites or stings from insects.

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

 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.

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:  Skin Care

 Avoid temperature ex- tremes that can stress the lymphatic system.

 Manual lymph drainage (MLD)  Compression therapy

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 - or other risk factors, including genetics, being overweight or obese and other health problems like heart or circulation issues.

 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 FarrowWrap® OTS Arm for extremity edema/ lymphedema and the FarrowWrap® 4000 compression leg piece. 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 www.AlliedMedical.net

OCTOBER 2016

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premierweightlossmd@gmail.com www.premierweightlossmd.com

GOT MEDICARE? BUT DON’T WANT TO FEEL LIKE YOU’RE BEING SOLD? By Denice Merrill

In my previous editorial, I talked about why someone might want to have a relationship with their own Medicare Insurance Broker. Get your list of medications handy, list of doctors that are important to you, give us a call or attend one of our upcoming events for a group setting. Do this soon. The Medicare Season is a very busy time. One way is to come to one of our meetings or events. Another is as a referral from a friend that has had a good experience with a local broker. Remember, all agents are not brokers, which means they may only be representing one company and not allowed to offer others. If the agent is not a broker, you will not be able to compare plans from different carriers/companies, which is important specifically when it comes to different costs on medications. Medication costs vary from company to company, and year to year.

remember something I read a long time ago about surrounding yourself with a team of people that you trust. Like having a CPA that you can count on to advise you through all those tax laws. Or a Financial Advisor that can help you understand where to invest your savings. Choosing a doctor that listens to you and actually has eye contact. I could keep going. But, think about it, this is the team YOU have chosen to trust. Are you missing someone to complete your trusted team?

Come to one of our upcoming Medicare Events - Come to Learn, not be SOLD!

Sometimes family members try their best to help in this Medicare analysis…You know just the medication review alone can be daunting! Mistakes can be made, and you are locked into your choice for another year.

So, if we can specialize in our field of expertise, in this case Medicare Insurance Options. Offer not just one company, but multiple companies. Teach you about Medicare, what to look for, what the differences are from each company, then we have done our job. Helped to educate you without you feeling like there is something hidden, or that you are being "sold".

This is the time of year to review and make the appropriate changes for 2017.

MEDICARE PLANS

(OPEN ENROLLMENT OCT 15TH-DEC 7TH)

Do you have someone that helps you narrow down options so you can make your own decision? Review your list of medications to make sure you are covered for the next year? That is what I'd personally be looking for.

Find an Medicare Broker that fits you.

How do you find a Medicare Insurance Broker? I get this question all the time, especially when I've helped someone here in CA and now they are looking to move out of state…I do believe in finding someone that lives in your area that fully understands the local plans, doctors, and hospitals to best guide you.

Denice Merrill

Merrill Insurance Services, Inc. Specializing in Medicare Plan Choices with over 10 Years Experience. She can reached by calling 949-388-7332 CA LIC# 0D99790

Here is what you can do now to prepare for your Medicare Review.…. OCTOBER 2016

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

I’m the key to a better way of life. Call today to schedule your complimentary hearing consultation.

949.461.1991

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

Rachel Burnett, Au.D. Doctor of Audiology

ound Wave SHearing Centers

www.MissionAudiology.com

IRS PROBLEMS?

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• Individual, Small Business and Corporations

• Preparation of Unfiled Returns

• IRS, FTB, EDD and BOE

(949) 310-3261 www.CapstoneTaxPros.com OCTOBER 2016

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Capstone Tax Resolution 43 Marbella, Ste. 102 San Clemente

18,000 Active Adults Delivered Daily!

TRYING TO REACH “BABY BOOMERS” AND ACTIVE ADULTS IN LAGUNA WOODS VILLAGE? Media Services 55 and Channel 6 are the exclusive Cable TV System and TV Station serving Laguna Woods Village - the largest active retirement community on the West Coast! • Turn-key Advertising including HDTV Commercial Production

• Live Appearances on the Popular Channel 6 News Morning Program

See YOUR commercial on FOX NEWS, CNN, ESPN, TNT, HGTV, DISCOVERY, HISTORY, GOLF … and many more Cable Networks!

(949) 268-2048

email Jon Noell: jon@mediaservices55.com • MediaServices55.com

DINE IN LAGUNA WOODS OCTOBER MENUS

Delivering delicious and nutritious meals for $10. No Tip. No Delivery Charge. WEEK OF OCTOBER 3 - 7

WEEK OF OCTOBER 10 - 14

Monday October 3

AUTHENTIC BANGERS AND MASH - Real British favorite recipe ‘Bangers’ Beer Bratwurst style sausage braised in beer and stock and then grilled. Served with cheddar mashed potatoes and roasted young beets with rosemary.

Tuesday October 4

CHORIZO STUFFED CHICKEN BREASTS – Tender chicken breasts stuffed with chorizo and melting Oaxaca cheese, topped with a classic red enchilada sauce. Served with wild mushroom ragout over lemony rice.

Wednesday October 5

ENGLISH BEEF STEW WITH HERB DUMPLINGS - Tender pieces of beef stewed for hours in a rich traditional roux based sauce with vegetables and topped with steamed herb dumplings.

Thursday October 6

KUNG PAO SPAGHETTI WITH GROUND PORK AND PEANUTS - A fresh twist on a Chinese restaurant favorite with a special blend of soy sauce, roasted sesame oil, ginger, garlic, and sweet chili. Topped with fresh peanuts, carrots, and sesame seeds.

Friday October 7

MUSTARD CHICKEN - Chicken breast coated in sweet mustard and crusted with crispy fried onions then baked. Served with roasted potatoes and broccoli florets WEEK OF OCTOBER 17 - 21

Monday October 17

NUTTY OVEN FRIED CHICKEN – Old family recipe crispy oven fried chicken served with cilantro sautéed carrots and buttery seasoned Rotini pasta.

Tuesday October 18

Monday October 10

CHICKEN FRICASSEE - Tender chicken smothered and roasted in a savory time-trusted sauce with wine, mushrooms, celery hearts and spices. Served with nutty parsleyed quinoa and broccoli.

Tuesday October 11

BEEF BRISKET WITH FENNEL REDUCTION – Thinly sliced beef brisket with a sweet fennel reduction sauce served with garlic roasted Yukon gold potatoes and authentic vegetable Ratatouille.

Wednesday October 12

THREE CHEESE RAVIOLI WITH WALNUT DILL PESTO – Large vegetarian ravioli with a creamy walnut dill pesto sauce and red wine poached pears.

Thursday October 13

MAPLE GLAZED SWAI – Thickly glazed with sweet and mildly spicy maple basting sauce served with fresh vegetables and cardamom scented Israeli couscous.

Friday October 14

SUGAR CANE CHICKEN – An Asian inspired dish with Chinese long beans and bamboo shoots and rice.

WEEK OF OCTOBER 24 - 28

Monday October 24

ROASTED CHICKEN WITH CHERRY SAUCE – Tender roasted dark meat chicken with sour cherry sauce served with Spring vegetables and our special recipe caramelized onion and Gruyere macaroni and cheese.

CAJUN SEASONED ENGLISH WHITING – Cajun pan fried Whiting fillets, served with Chef’s special dirty rice made with tomatoes, red beans, red onions, cashews and cilantro with a side of Brussels sprouts.

Tuesday October 25

Wednesday October 19

Wednesday October 26

Thursday October 20

Thursday October 27

WHITE LASAGNA - Tender layers of pasta, chicken, and spinach in a modern version of the classic dish covered in velvety homemade white sauce and a blend of cheeses. BLOODY MARY STEAK WITH GREEN OLIVE BUTTER – Marinated steak with a kick (not spicy) sliced and served with a zesty green olive butter on the side. Served with mashed potatoes, spiced matchstick carrots and Artisan bread.

Friday October 21

GINGER CHICKEN - Grilled chicken breast with caramelized onions, garlic, white wine and ginger served alongside fruited coconut couscous and wilted spinach and carrots.

SEAFOOD POT PIE - Mix of seafood in a light saffron cream sauce served topped with puff pastry and vegetables. ARGENTINIAN STYLE BEEF WITH CHIMICHURRI SAUCE –Tender, marinated flat iron steak, sliced and served with grilled zucchini and buttered chili spiced corn with Mexican Crema. CHICKEN CURRY KOSHA - Indian style dish with sweet curries, potatoes and tomatoes served over aromatic Jasmine rice.

Friday October 28

BACON WRAPPED BEEF BRACIOLE WITH CREAMY GOUDA GRITS – Reimagined Italian favorite paired with smoky, creamy grits and a sweet pepper and celery heart salad.

SPECIAL FOR NEW CUSTOMERS:

“Buy three weeks of three meals per week and get the fourth week FREE” To order go to: www.dineinlagunawoods.com or call 588-2433 (CHEF) Ideas or questions write: commentstowally@aol.com

Mission Viejo Wigs:

Where Customers are “Family” by Jody robinson

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

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.”

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.

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.

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.

“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

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.”

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

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Thank you Betty!

What if you could go to the beach without worrying about your toenails?

Have you been disappointed with topicals, prescription medicines, or laser solutions?

FINALLY, THERE IS A TREATMENT THAT WORKS! Based on 30 years’ experience, LANCE™ (Laser Assisted Nail Care Excellence) provides a fast, low cost, comprehensive approach to solving toenail issues. • See significant toenail improvement in a month. • Bring back your old nails in as little as 90 days.

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Conquer the Checkout Aisle without the Sugary Guilt It seems hard to avoid the shelves of junk and snack foods near the checkout lines anywhere you shop. Gas stations, local hardware shops, clothing stores and others make one last push to make that extra sale of gum, candy, chips and sugary drinks by making them available in the checkout line. Sadly, often these sales end up as added empty calories to your diet.

r. Miles Masatsugu, Medical Director with CalOptima, the health insurance provider for thousands of adults (and children) throughout Orange County, has advice for making a healthier store exit:

not only food, but also non-food objects. Having a meal or an emergency snack handy before you shop can protect your wallet as well as your appetite. • COMMIT TO A LIST: Come prepared with a list in hand — and stick to it! According to the Integer Group, ninety percent of shoppers buy unplanned items, even when they have a list. Chances are, if you combine this strategy with using a self-checkout lane and a full stomach, you have a better chance of resisting the sales, promotions and other temptations.

• USE SELF-CHECKOUT LANES: Most retail and grocery outlets now offer self-checkout for added convenience. Fortunately, these aisles don’t often accommodate the same set-up as the junk-riddled lanes. Although selfchecking may take a little more time, the distraction of scanning groceries and lack of sugary temptations can encourage an exit without the extras.

CalOptima is a county organized health system, and provides publicly funded health care coverage for lowincome children, adults, seniors and people with disabilities in Orange County.

• EAT BEFORE YOU SHOP: We all know better, but it happens to the best of us. According to 2015 research from the University of Minnesota’s Carlson School of Management, hunger increases our intention to acquire

OCTOBER 2016

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Are you looking for a Medicare Approved 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

FACT: DR. SCOTT E. WEST CAN ANSWER YES TO ALL 10 QUESTIONS.

AND THE CONSULTATION IS FREE!

www.CannotUseCPAP.com

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

OCTOBER 2016

SORBET MAGAZINE

By Jody Robinson

A b solu s u o l tely F a b u Surf City’s Most Unique Gifts & Décor Boutique

iane Silverstein had never heard of the show “Absolutely Fabulous” when she named her aptly-titled gifts and décor boutique in central Huntington Beach. But the fun-loving, irreverent, blonde, champagne-promoting show does give a glimpse into what makes Absolutely Fabulous such a treasure. Absolutely Fabulous is not your run-ofthe-mill, Hallmark-style gift shop; they are as fun and irreverent as the show they share a name with. “We’re like family here,” glows Diane. “I give my regulars a 10% discount on everything, and we often know what they’re looking for before they do.”

gift industry flounders? “That’s easy,” responds Diane Silverstein, “quality, selection, price range, and ease of shopping.” After many visits to her “absolutely fabulous” gift and décor shop, I would have to agree. “Plus – we ship world-wide, so you can mail your stuff right from here!”

While the internet excels at making home shopping the easiest experience, when you know exactly what you’re looking for, much of holiday gift-giving starts with “who is this for, and how much do I want to spend on them?” Absolutely Fabulous makes this type of shopping easy with their “you know the personality, we know the product” approach to holiday gift-giving. “You see,” Diane explains in her charming English accent, “we spend hours and hours searching for the best new products offered in the gift industry. When

The nature of gift purchasing has changed greatly since the advent of the internet. How has Absolutely Fabulous stayed above the fray and blossomed while the rest of the OCTOBER 2016

SORBET MAGAZINE

our customers come in with their lists, we walk them around and point out options that our customers would never have found in an internet search.” Diane is not kidding on that last point. The variety and uniqueness of products at Absolutely Fabulous is astounding: hand-made jewelry, Miche Bag purses (the ones where you just drop the “insides” of your purse into a new shell, rather than having to dump all of your stuff out!), $10 silk scarves, old-school shaving kits for men, a “Daddy’s Tool Bag” that includes diaper changing equipment, and instructional DVD, face mask and other funny items, rare paintings by successful artists, large crystal chandeliers, crystal perfume bottles, stuffed animal baby bottle covers, piggy banks for kids, “dorm survival kits” for new students, wedding party gifts, rare Disney art and collectibles, Christmas decorations that range from very inexpensive bottle stoppers and tree decorations to 6-foot high collectible Santa dolls. Absolutely really does cover the gamut of gifts for anyone: “from birth to death and everything in-between is our moniker” Diane proudly states. I tend to agree.

Photography by Lana Farfan, Caught in the Moment Photography

OCTOBER 2016

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chase from a major, non-local, retailer, the number is 13%. For the internet - nothing (unless the business or distributor happens to be close to you, which is highly unlikely)!! This holiday season, find out why Absolutely Fabulous is so appropriately-named. Give local family businesses your time. You will find that you spend both less time and less money, all while adding to the local economy. It’s a no-brainer! Connect with Diane and the crew at Absolutely Fabulous located at 6026 Warner Avenue in Huntington Beach, call (714) 842-1608 or visit www.absolutelyfabulous1.com Let’s see what other people have had to say about Absolutely Fabulous (we checked their reviews): “nicest ladies who took terrific care of me,” “Love this store. It’s amazing and wonderful to shop in.” The raves go on and on. Absolutely Fabulous is not only a local treasure, however, they have been awarded multiple national awards for her visual merchandising (did I mention that they have the best windows in the country – an honor repeatedly bestowed upon them by industry publications) and marketing. Diane was even flown to the United Kingdom by Gifts and Decorative Accessories Magazine (the leading magazine in the gift industry), put up in a hotel, and honored with the title of “VIP buyer.” “I guess they just like the selections I’ve made over the years,” Diane humbly responds when I ask why they chose her for this honor. So what are you waiting for? For every dollar spent at a local shop, 48% goes back into the community. If you purOCTOBER 2016

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HIFU for Prostate Cancer Treatment is Now Approved for Use in the United States! High Intensity Focused Ultrasound (HIFU), is a noninvasive, radiationfree therapy used to treat localized prostate cancer that is now approved for use in the U.S. by the FDA!

If you’ve been struggling with a decision about how your prostate cancer should be treated, or if you’ve chosen to not have treatment due to the side effects of surgery and radiation, HIFU may be your answer.

Call one of the most experienced urologists in the world about this remarkable treatment! Robert G. Pugach, MD Offices in Los Alamitos, Huntington Beach and Beverly Hills

1-888-735-4336

www.pacificcoasturology.com www.hifuprostatecancermd.com

Specializing In Minimally Invasive Treatment Of Urologic Conditions

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949-240-0555

www.reeltimesightandsound.com OCTOBER 2016

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Pets of the Month Tedi is a 4 year old German Shepherd looking to find her forever family. Very friendly and quick to learn, Tedi likes to stay active by playing with other dogs in the yard and also learning dog puzzles. She would shine in an energetic household with plenty of activities to keep her stimulated.

ADOPT

Sweet little Micky just loves to run and play. Only 1 ½ years old, he has a great personality and plays well with the other dogs. Micky would love a family who will give him all the love and snuggle time he desires!

One year old Elmer has a real zest for life. Whether he’s playing with toys in the yard or simply going out for a quick walk, he never fails to find the fun in it! Elmer would be a great pup for someone ready to make some good memories!

Five year old Galacio is a handsome bunny with a truly winning personality! He loves to snuggle and really enjoys pets and treats. With tons of endearing quirks and adorable habits, Gallacio is sure to win your heart!

If you would like to know more about the animals listed here, please call the San Clemente/Dana Point Animal Shelter at (949)492-1617, or visit with them at 221 Avenida Fabricante, San Clemente.

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OCTOBER 2016

FREE EXAM for all first-time clients one offer per household please

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GOT MEDICARE 2017 PLAN UPDATES????? OCTOBER - MEDICARE ENROLLMENT EVENTS FOR SOUTH ORANGE COUNTY THIS IS THE “BIG” KICK OFF 2017

*It must be noted that a Licensed Insurance Sales Person will be present at all of the events*

Multiple Medicare Plans Presented Saturday, October 15th 10 a.m. Mission Hospital Conference Ctr 26726 Crown Valley Pkwy Mission Viejo, CA 92691 (Parking Validated)

We do not work for Medicare. Call Denice Merrill (Presenter) for additional information

(949) 388-7332

Don’t want to give up your Saturday? Multiple Plan Overviews for 2017 Thursday October 20th 2 p.m. Mission Hospital Conference Ctr 26726 Crown Valley Pkwy Mission Viejo, CA 92691 (Parking Validated)

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

Still Working…We’ve got you covered Multiple Plan Overviews for 2017 Wednesday October 26th 6 p.m. Mission Hospital Conference Ctr 26726 Crown Valley Pkwy (Parking Validated)

Tuttle's Carpet One Tuttle’s Carpet One 27751 La Paz Rd Ste A Laguna Niguel, 27751 LaCAPaz Rd Ste A M-F: 8:00 am - 5:00 pm Laguna Sat: 10:00 amNiguel, - 4:00 pm CA 949-831-1332 M-F: 8:00 am - 5:00 pm www.tuttlescarpet1.com Sat: 10:00 am - 4:00 pm 949-831-1332 www.tuttlescarpet1.com ~B

Vignette® Modern Roman Shades

Fashionably early.

Order your shades now and be ready for holiday gatherings. Plus, save $100 with rebates on select purchases of Hunter Douglas window fashions, now through 12/12/16.*

*Manufacturer’s mail-in rebate offer valid for qualifying purchases made 9/17/16–12/12/16 from participating dealers in the U.S. only. For certain rebate-eligible products, the purchase of multiple units of such product is required to receive a rebate. If you purchase fewer units than the required multiple you will not be entitled to a rebate; partial rebates will not be awarded. Offer excludes HDOrigins and Nantucket™ Window Shadings, a collection of Silhouette® Window Shadings. Rebate will be issued in the form of a prepaid reward card and mailed within 6 weeks of rebate claim receipt. Funds do not expire. Subject to applicable law, a $2.00 monthly fee will be assessed against card balance 6 months after card issuance and each month thereafter. Additional limitations may apply. Ask participating dealer for details and rebate form. ©2016 Hunter Douglas. All rights reserved. All trademarks used herein are the property of Hunter Douglas or their respective owners.3278488

OCTOBER 2016

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Seeking Suspense! By Beverly Blake and Tom Scott The payoff comes when the story is over. We are flooded with a sense of relief, which makes us feel good and safe once again. Perhaps we are all just looking for the same thing—a periodic jolt to the nervous system and a roundabout peek at our innermost fears, all within the comfort of a secure environment.

our heart is pounding, your hands are clenched, and terror permeates your very being. You are scared to death, petrified to look at the screen, read any further or continue to watch the actors on stage - but it does not get any better than this!

To quote Neil Gaiman as to why we love a good ghost story: “Fear is a wonderful thing, in small doses. You ride the ghost train into the darkness, knowing that eventually the doors will open and you will step out into the daylight once again. It’s always reassuring to know that you’re still here, still safe. That nothing strange has happened, not really. It’s good to be a child again, for a little while, and to fear — not governments, not regulations, not infidelities or accountants or distant wars, but ghosts and such things that don’t exist, and even if they do, can do nothing to hurt us.”

Do some people get an endorphin high from being scared? Yes, some researchers do believe that the typical physical reaction to suspenseful movies, books or plays results in the release of opiate endorphins. Addiction to suspense is tied up in biology. That is, the story revs up the body’s sympathetic nervous system, inducing stress and anxiety. In some, the stress is a welcome thrill even if it makes you scream. Speaking of screaming did you know that the term bloodcurdling dates back centuries to medieval times. Recent studies show that extreme horror scenes from plays, books and movies often increase a blood clotting factor in humans! This may be in preparation to stop bleeding in a real crisis.

OCTOBER 2016

Prepare for an endorphin high, get ready for blood curdling screams and keep an aspirin handy to ensure your blood keeps flowing when you come to the Playhouse this October.

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October Events

Dining & Entertainment Guide Musical, about the early life and career of the legendary and groundbreaking singer/songwriter, will make its Orange County premiere from October 4 – 16, 2016. For info or tickets, visit www. SCFTA.org or call (714) 556-2787.

SENIOR MOVIE DAY – EVERY WEDNESDAY! Regency Director’s Cut Cinema offers $6 movie tickets for seniors EVERY WEDNESDAY – any showtime prior to 5 p.m. Regency Director’s Cut Cinema is located at 25471 Rancho Niguel Road in Laguna Niguel

OCT. 1

OCT. 2

San Clemente Farmers Market Each Sunday, San Clemente’s market extends along Avenida Del Mar between Ola Vista and Calle Seville. Organic growers feature fruits, vegetables and other offerings include fresh flowers, plant starts, honey, bread and some prepared foods. 9 a.m. – 1 p.m.

enio

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.

OCT. 5

Senior Movie Day! Regency Director’s Cut Cinema offers $6 movie tickets for seniors EVERY WEDNESDAY – any showtime prior to 5 p.m. Regency Director’s Cut Cinema is located at 25471 Rancho Niguel Road in Laguna Niguel

OCT. 8

Dana Point State BBQ Championship Sea Terrace Park, Pacific Coast Hwy @ Niguel Road from 10 a.m. - 5 p.m.

eds! rs $6 Every W

OCT. 10

Medicare Rx Explained FREE event at OC PHARMACY 1:00-2:00 Come for the donuts, learn about the donut hole! 31654 Rancho Viejo Road, Suite N in San Juan Capistrano. For more info, call (949) 429-5326.

OCT. 12

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

OCT. 14

Live Music Live Music at Villa Roma Argentine & Italian Cusine. 25254 La Paz Laguna Hills.

OCT. 9 OCT. 4

BEAUTIFUL – THE CAROLE KING MUSICAL Producers Paul Blake and Sony/ATV Music Publishing announce that the Tony & Grammy Award-winning Broadway hit Beautiful – The Carole King

Jazz Weekend at Segerstrom Center for the Arts Jazz at Lincoln Center Orchestra with Wynton Marsalis features an unforgettable afternoon of music that will include the opening act of drummer and vocalist Jamison Ross. For info or tickets, visit www.SCFTA.org or call (714) 556-2787. OCTOBER 2016

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OCT. 16

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.

OCT. 17

Medicare Rx Explained FREE event at OC PHARMACY 12 p.m. - 1 p.m. Come for the donuts, learn about the donut hole! 31654 Rancho Viejo Road, Suite N in San Juan Capistrano. For more info, call (949) 4295326.

OCT. 18

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

Contemporary Italian Cuisine

OCT. 19

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. Senior Movie Day! Regency Director’s Cut Cinema offers $6 movie tickets for seniors EVERY WEDNESDAY – any showtime prior to 5 p.m. Regency Director’s Cut Cinema is located at 25471 Rancho Niguel Road in Laguna Niguel

BUY 1 ENTREE, GET 1 ENTREE AT

OCT. 23

Dine in only. Not valid on takeout orders.

Del Prado Car Show 200+ cars on display along Del Prado Street in Dana Point from 1 p.m. - 5 p.m.

50% OFF

OCT. 24

Full Premium Bar Italian & California Wines

Medicare Rx Explained FREE event at OC PHARMACY 1:00-2:00 Come for the donuts, learn about the donut hole! 31654 Rancho Viejo Road, Suite N in San Juan Capistrano. For more info, call (949) 429-5326.

OCT. 26

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

ENTERTAINING MADE EASY! Let Us Do the Cooking For You Catering & Takeout

OCT. 27

Senior Twilight Dinner Themed dinner and entertainment located at the Dana Point Senior Center 34052 Del Obispo. Reservations are required (949) 496-3497.

949.443.1476

Have an event to showcase? Email sara@sorbetsocal.com

www.briorestaurant.com

OCTOBER 2016

Not valid with any other offers or promotions.

24050 Camino Del Avion • Dana Point

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Segerstrom Center

Arts

for the

EVENTS

October 2016 SHANGHAI ACROBATS OF THE PEOPLE’S REPUBLIC OF CHINA

Photo by Joan Marcus

Lauded as one of the leading acrobatic companies in the world, the award-winning Shanghai Acrobats of the People’s Republic of China has been entertaining generations of audiences for five decades, both at home and abroad. For its debut at Segerstrom Center for the Arts, the company will perform a spectacular new show, “Shanghai Nights” on Saturday, October 1 with performances at 2 and 7 p.m. in the Renée and Henry Segerstrom Concert Hall. “Shanghai Nights” tells the story of a dreaming boy who enters a world of fantasy where he finds a beautiful fairy phoenix and follows the mesmerizing and graceful creature on an adventure. With more than 100 top aerial acrobats, trampoline artists, jugglers and contortionists performing in “Shanghai Nights,” Orange County audiences will experience a thrilling show that beautifully blends high-flying adventure and China’s rich cultural heritage – including dazzling costumes and stirring music.

JAZZ WEEKEND RETURNS WITH FOUR CONCERTS CELEBRATING THE BEST OF JAZZ

Photo courtesy of CAMI

Jazz greats will be honoring jazz legends during Segerstrom Center’s Jazz Weekend taking place October 7 – 9, 2016. This will be a celebratory weekend featuring music from the last 100 years of this great musical genre in the Renée and Henry Segerstrom Concert Hall. Jazz Weekend kicks off on October 7 with a special double bill concert featuring Wynton Marsalis

BEAUTIFUL – THE CAROLE KING MUSICAL Producers Paul Blake and Sony/ATV Music Publishing announce that the Tony & Grammy Award-winning Broadway hit Beautiful – The Carole King Musical, about the early life and career of the legendary and groundbreaking singer/songwriter, will make its Orange County premiere from October 4 – 16, 2016. OCTOBER 2016

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the SFJAZZ Collective performing a tribute to Miles Davis along with the band’s own compositions. The evening continues with JAZZ 100 marking the 2017 centennial celebration for four visionary talents all born in the same year: Dizzy Gillespie, Ella Fitzgerald, Mongo Santamaria and Thelonious Monk. On October 8, Los Angeles tenor saxophonist Kamasi Washington makes his Segerstrom Center debut with performances from his latest album, The Epic. On October 9, the Jazz at Lincoln Center Orchestra with Wynton Marsalis return to the Center for an unforgettable afternoon of music that will include the opening act of drummer and vocalist Jamison Ross.

AN EVENING WITH TONY BENNETT Music legend Tony Bennett returns to Segerstrom Center for the Arts on October 23 in Segerstrom Hall performing songs he made famous during his celebrated six-decade career and that are now part of the Great American Songbook. His initial successes came via a string of Columbia singles in the early 1950s, including such chart-toppers as “Because of You,” “Rags to Riches” and a remake of Hank Williams “Cold, Cold Heart.” He had 24 songs in the Top 40, including “I Wanna Be Around,” “The Good Life,” “Who Can I Turn To (When Nobody Needs Me)” and his signature song,” I Left My Heart In San Francisco,” which garnered two Grammy® Awards. Celebrating his 90th birthday this year, the 19-time Grammy Award winner is still regarded as the preeminent singer of the 20th and 21st centuries. Bennett continues to be embraced and loved by audiences of all generations.

AUTHENTIC & Inventive Argentine

Photo by Brian Adams

and Italian Cuisine

Grilled Steaks • Seafood • Pasta Pizza • Chicken • Salads and More!

Tickets for Shanghai Acrobats of the People’s Republic of China start at $19. Tickets to Beautiful – The Carole King Musical start at $29. Tickets to the double bill concert of SFJAZZ Collective and Jazz 100 as well as for Kamasi Washington start at $39. Both concerts begin at 8 p.m. Tickets to Jazz at Lincoln Center Orchestra with Wynton Marsalis with opening set featuring Jamison Ross start at $49 and the concert begins at 3 p.m. Single tickets for An Evening with Tony Bennett start at $59.

Market & Deli Next Door Live Music Thursday - Sunday Voted Critic's Choice for Best Steakhouse in OC

Catering & Special Events

All tickets are available online at www.SCFTA.org, at the Box Office at 600 Town Center Drive in Costa Mesa or by calling (714) 556-2787. For inquiries about group ticket savings for 10 or more, call the Group Services office at (714) 755-0236. OCTOBER 2016

villaromarest

25254 La Paz Rd Laguna Hills

949.454.8585 41

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Amy Grant

TenTenors

Home Alone

PACIFIC SYMPHONY 2016-17 POPS SEASON

he stars come out for seven sensational concerts showcasing major names, top talent and a plethora of indelible music for Pacific Symphony’s 2016-17 Pops season! Led for the 26th year by acclaimed Principal Pops Conductor Richard Kaufman, the lighter side of the Symphony opens with the return of multiple Grammy Award-winner Amy Grant. Then, sit back and enjoy some good-natured hilarity when the hit movie “Home Alone” returns to the screen with the Symphony performing the score live! For the holidays, share the spirit of the season with The Ten Tenors, and spend Valentine’s Day weekend with Michael Bolton. Get an early jump on summer with

The Beach Boys, before being treated to the unique humor and talent of Jason Alexander, best known for his role in “Seinfeld.” Finally, a tribute to the legend responsible for so many unforgettable movie tunes – John Williams – finishes out this incredible season. Seven-concert subscriptions for Pops range from $245-$1,099, Box Circle $1,365; single tickets are $35-$167, Box Circle $195. For more information or to purchase tickets, call (714) 755-5799 or visit www.PacificSymphony.org.

COSTA MESA 647 W. 19th Street (949) 642-0629

LADERA RANCH 27702 Crown Valley Pkwy. (949) 364-1957

MISSION VIEJO 22922 Los Alisos Blvd. (949) 472-3144

ORANGE 3533 E. Chapman Ave. (714) 633-3922

OCTOBER 2016

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Odysseo by Cavalia The World’s Largest Touring Production Returns to OC on Nov. 16

ue to strong demand in SoCal, the internationally acclaimed entertainment company Cavalia will return to Orange County two weeks earlier than originally planned with its latest production of Odysseo that is wowing North American audiences and critics alike. After stunning 90,000 spectators from Orange County, LA and San Diego this past spring due to its critical acclaim, Odysseo will be back to call Irvine home for this year’s holiday season. Attracting audiences of all ages, Odysseo definitely makes a popular family outing and gift idea. With the addition of 13 new performances to the Irvine show calendar, the 30-million-dollar theatrical extravaganza will again be presented under the White Big Top at the junction of the I-405 and the SR-133 in Irvine starting Wednesday, November 16, 2016.

tion. On an enormous stage, layers of mesmerizing decor are combined with live music, gravity-defying acrobatics, mesmerizing aerial stunts and inspiring HD projections, all of which make Odysseo the first 6D show in the world. With a state-of-the-art video screen three times the size of the world’s largest cinema screens, as well as a three-story mountain for dazzling perspectives and a real lake - the last of which magically appears for a splashing finale - Odysseo truly pushes the limits of live entertainment.

Odysseo is an immersive theatrical experience that marries the equestrian arts, stage arts, and high-tech theatrical effects at never-before-seen levels. A show unlike any other on the planet, Odysseo brings the audiences to a live Hollywood-style movie set, where the moving interactions between human and horse are at the heart of the ac-

TICKETS - Tickets are priced from $29.50 to $144.50 + applicable taxes and fees. For a memorable evening, the Rendez-Vous package offers the best seats in the house, exquisite buffet dining before the show, open bar, desserts during intermission and an exclusive visit of the stables after the show. This unique VIP experience takes place in a tent alongside the White Big Top. The Rendez-Vous package prices range from $149.50 to $254.50 + applicable taxes and fees. Special pricing and packages also available for groups, children (2-12), juniors (13-17) and seniors (65+). Visit www.cavalia.net or call (866) 999-8111. OCTOBER 2016

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The Friendly Faces of Casanova Ristorante’s Staff!

H A P P Y H A LL OW EEN NOW ACCEPTING RESERVATIONS FOR THE SEASON!

BOOK YOUR HOLIDAY PARTY NOW!

Join friends and family for a delicious dinner, craft cocktail or fine wine at Dana Point’s Favorite Italian Restaurant! HAPPY HOUR SPECIALS EVERYDAY FROM 3:30-6:00P.M.

LA PASSION DE JEANNE D’ARC Friday, October 28, 8 PM

EMERSON STRING QUARTET Saturday, October 15, 8PM Nine-time Grammy Award winners, the Emerson String Quartet grace the Soka Performing Arts Center stage for the first time. Joining them for this program will be cellist Clive Greensmith, best known for the many years that he performed with the Tokyo String Quartet.

The silent film La Passion de Jeanne d’Arc was created without a musical score. However, most silent movies of that period were accompanied by Live music. Come join us as we screen this classic film to live accompaniment by composer George Sarah with his string quartet and vocalists.

• The program will include Bartok - 8 Duos for Two Violins • Beethoven - String Quartet in C-sharp Minor, Op. 131 • Schubert - Cello Quintet in C Major, D. 956 (with Greensmith)

TESORO

HERB OHTA, JR. & FRIENDS Saturday, October 22, 8PM

Saturday, October 29, 8PM

Tucson-based Tesoro beautifully and adeptly mixes the diverse styles of puro flamenco, rumba, cumbia, Latin pop and rock along with a perfect measure of funk and blues – all the while incorporating its signature powerful rhythms into infectiously heartfelt, unforgettably passionate, romantically catchy tunes.

Join ukulele master Herb Ohta, Jr. celebrating his 25th anniversary in the music business with special guests Jon Yamasato, David Kamakahi, Chris Kamaka, Baba Alimoot and dancer Ihilani Kamaka. This is a celebration you won’t want to miss. Aloha!

CRITICAL CONVERSATIONS @ SOKA PRESENTS RANA FOOROOHAR Tuesday, October 25, 7PM

Time’s The Curious Capitalist CNN global economics analyst and Time columnist Rana Foohoohar discusses reimagining education and economics, and offers insights on the impending presidential election. Foroohar’s column has a readership of fifty million, and she is the author of Makers and Takers: The Rise of Finance and the Fall of American Business. Free transportation & tickets for high school groups - More info: conversations@soka.edu

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); tickets@soka.edu

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

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

Take Charge of Your Retirement Martin J. Lombrano, AIF®, LPL Financial Advisor (714) 342-0431

RETIREMENT PLANNING

FINANCIAL PLANNING

ESTATE PLANNING

• Defined Contributions Plans

• 529 Plans

• Will and Trust Review

• Defined Benefits Plans

• Asset Protection • Long-Term Care

• Beneficiaries & Ownership Review

• Executive Compensation • Annuities • IRAs

• Insurance • Business Succession Plans

• 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 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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C/O Community Publications P.O. Box 73188 San Clemente, CA 92673

Home Financing Solutions

BENEFITS OF A REVERSE MORTGAGE 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 Al W. Hensling, President BRE: 01154798 NMLS: 1942

Please call to discuss your specific needs and situation. 1 (800) 708-5626 | 1(949) 250-1300 | www.uamco.com 19782 MacArthur Blvd. Suite 250 Irvine, California 92612