The 55 Guide - Orange County, CA

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RETIREMENT • INVESTING • VACATION

RECOMMENDED SERVICE DIRECTORY

TRAVEL • LIVING • HEALTH • DINING



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CO NTE NT S FEATURES 4

Investing For The Future

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Destination Vacations

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Luxury Living

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Senior Living

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Local Event Guide

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28 Travel In Style 30 Saving For Retirement 32

Recommended Service Directory

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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things. Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load. If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially 4

extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs. Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.



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TRENDING LOCATIONS TO VISIT THIS YEAR

Destination

Vacations

If you are looking for an exciting and affordable travel destination, consider the following locations. 1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.

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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach. 4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture.

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History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.


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LUXURY

LIVING IDEAS

Upgrading your home is only limited by your imagination and budget. Is it a luxury bath, fabulous kitchen, incredible master suite or home theatre that you desire?

KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for countertops and islands. Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen. Also popular are pizza ovens, appliance garages, warming drawers and under- counter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.

BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub. Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature. Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance. 10

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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.

LUXURY

LIVING IDEAS

MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions. 12


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RETIRE WITHOUT CHANGING YOUR LIFESTYLE

Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:

Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 14

Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance.


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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents.

allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!

Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 15


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LOCAL EVENTS GUIDE

ORANGE COUNTY OCTOBER

SEPT 22 - OCT 3 | Casa Lumina Stroll through the Native Bowl garden at Casa Romantica, after sunset to experience the garden’s first illuminated walk, which will highlight the views and plants with outdoor projection and multicolored twinkling lights. Snacks, drinks, and glowsticks are available for purchase. Sundays through Thursdays only. http://bit.ly/oc-sept22 OCT 3-6 | Newport Beach Wine & Food Festival The annual event stretches over four days, starting with a gala five-course dinner at the Newport Beach Country Club and culminating with the Grand Tasting at the Newport Beach Civic Center, where guests can taste food from more than 45 local restaurants and 250 wines, spirits, and beers.. For more info visit: http://bit.ly/oc-oct3

NOVEMBER

NOV 5-17 | Anastasia Anastasia is the musical that transports viewers from the twilight of the Russian Empire to the euphoria of Paris in the 1920s. The story follows a brave young woman who sets out to discover the mystery of her past. http://bit.ly/oc-nov5

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NOV 30 | Newport Dunes Lighting of the Bay Kick off the holiday season at Newport Dunes’ 29th annual Lighting of the Bay celebration as Santa picks a lucky kid to help him flip the switch to illuminate the bay with more than 50 electric Christmas trees and holiday decorations. During the event, families can enjoy live chorale performances by local school choirs, cookie decorating, holiday crafts, train rides and an outdoor holiday movie. For more information visit: http://bit.ly/oc-nov30

DECEMBER

DEC 6-7, 13-14 | Boat Parade of Lights @ Dana Point Harbor Boaters light up the harbor with decorations based on the theme “A Western Wonderland.” OC Parks host free family activities throughout Dana Point Harbor including games, crafts, photos and selfies with Santa, live entertainment and more. For more information visit: http://bit.ly/oc-dec6 DEC 7 | Crystal Cove Tree Lighting Bring the family to the all-day annual tree lighting ceremony on the beach at Crystal Cove. Discover handcrafted treasures and jewelry made by local residents and artists and take part in various free activities. Take family photos with (. . .continued on page 20)



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Santa and watch the tree-lighting ceremony at dusk while enjoying complimentary hot chocolate, apple cider and home-baked goodies provided by The Beachcomber Café. http://bit.ly/oc-dec7 DEC 8 | Light a Light of Love oin the Light a Light of Love, a “snowflake lighting” along the iconic Huntington Beach Pier in honor of local at-risk-youth shelter Waymakers. Revel in seasonal bliss with fun festivities, carolers, performances, and more. For more info visit: http://bit.ly/oc-dec8

JANUARY

DEC 19 - JAN 5 | Winter Fest OC Featuring ice tubing, massive snow play and slide area with separate areas for toddlers and kids with fresh snow blown in daily, ice skating on SoCal’s largest outdoor ice rink under the stars in the middle of Winter Fest OC, nightly Christmas tree lighting celebration with a parade of the Winter Fest OC characters, fireworks and snow flurries, plus a not to be missed experience with Santa and his reindeer flying over the fairgrounds through Christmas Eve, an all new Alpine Village with a new light maze and new wintery attractions, over 20 carnival rides and attractions, festive entertainment, seasonal eateries, visits with Santa 20

and so much more For more info visit: http://bit.ly/oc-dec19 JAN 13-26 Newport Beach Restaurant Week Showcasing Newport Beach as OC’s premier dining destination, participating restaurants will offer special, two- or three-course, prixfixe menus with lunches available starting at $10 and dinners starting at $20. See website for participating restaurants. For more info visit: http://bit.ly/oc-jan13

FEBRUARY

FEB 7-9 | Laguna Beach Music Festival - Feat Ray Chen A multi-day celebration of classical and contemporary music, the 2020 Laguna Beach Music Festival features Festival Artistic Director and internationally acclaimed violinist Ray Chen in solo and collaborative performances. With a media presence that enhances and inspires the classical audience, reaching out to millions through his unprecedented online following, Ray Chen is redefining what it means to be a classical musician in the 21st century. Chen’s remarkable musicianship transmits to a global audience that is reflected in his engagements with the foremost orchestras and concert halls around the world. For more info visit: http://bit.ly/oc-feb7 (. . .continued on page 22)



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FEB 8 | Mac & Cheese Festival Sample your way though delicious Mac & Cheese dishes designed by Local Top Chefs to satisfy your ridiculously cheesy cravings. Unlimited Sampling of 40+ Mac Options, and Live Music! For more info visit: http://bit.ly/oc-feb8 FEB 22 | Lantern Festival 2020 Bring the entire family and join us for Pacific Symphony’s annual Lantern Festival, celebrating the Year of the Rat! The Lantern Festival, which can be traced back 2,000 years, takes place 15 days after the Lunar New Year—on the first full moon night in the lunar calendar— and marks the return of spring, representing the reunion of family. The act of lighting and appreciating lanterns is a way for people to let go of the burdens of their old selves and express their best wishes for themselves and their families for the future. http://bit.ly/oc-feb22

MARCH

MAR 7-8, 14-15 | Festival of Whales @ Dana Point Celebrate the annual spring migration of gray whales with Dana Point Harbor’s annual Festival of Whales. Activities include a parade, concerts, car shows, whale watching, Rubber Ducky Derby and Diamond Dig. See website for full schedule of events. http://bit.ly/oc-mar7 22

MAR 18-APR 19 | Cirque Du Soleil Volta VOLTA is a lovely journey to find yourself and your personal powers. Motivated in part by the adventurous spirit that gives life to the culture of street sports, the show is full of acrobatics in a visually stunning world accompanied by an endearing melody. VOLTA tells a story about transformation and being true to oneself, about fulfilling one’s true potential and recognizing the power we all have to make it possible. Ultimate freedom comes with self-acceptance and with the release of others’ judgment. For more info visit: http://bit.ly/oc-mar18 MAR 28-29 | OC WineFest 2020 Celebrate spring at the second annual wine festival on the historical grounds of A Stones Throw Winery. Learn about and sip award-winning wines from around the globe. Taste craft beers, eat from gourmet food trucks, shop from unique vendors and enjoy live music. For more info visit: http://bit.ly/oc-mar28

APRIL

APR 17 | California Wine Festival Guests are invited sip on fine wines and taste a variety of delicacies surrounded by the ocean at the beautiful Laguna Cliffs Marriott. This is an elegant VIP event for true fine wine lovers, located in one of Orange (. . .continued on page 24)



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County’s most beautiful coastal cities – Dana Point. The limited number of tickets sell out quickly (due to the rarity of the wines being poured). A champagne reception is just the prelude to an evening of sampling hard-to-find trophy wines to an adoring crowd dressed in their finest casual/elegant resort wear. http://bit.ly/oc-apr17 APR (TBA) Taste of Fountain Valley Whether you’re a “foodie” or simply enjoy an evening out filled with friends, food and fun, the Taste of Fountain Valley is the place to be! The Annual “Taste” showcases a variety of delectable “sips & bites” from more than 40 local restaurants, caterers, bakeries, beverage vendors, wineries and breweries!. For more information please visit: http://bit.ly/oc-apr-taste

MAY

MAY 2 Long Beach Seafood Festival Seafood lovers from all over California eagerly await the Long Beach Seafood Festival. This event celebrates the region’s delicious seafood and unique recipes from local chefs to the finest restaurants throughout Los Angeles and Orange County. 24

This is an all age outdoor event alongside the Light House in Long Beach, California with a stunning view of the ocean and the Queen Mary. For more information visit: http://bit.ly/oc-may2 MAY 22-25 | Garden Grove Strawberry Festival Garden Grove Strawberry Festival is a charity event featuring, a strawberry shortcake cutting and tasting, live music, contests, vendor booths and a parade with celebrities. For more information please visit: http://bit.ly/oc-may22

JUNE

JUN 6 | Studio Arts Festival Each June, the Irvine Fine Arts Center hosts the annual Studio Arts Festival in Heritage Community Park. The juried festival showcases Southern California artists and their original works of art for purchase in ceramics, sculpture, jewelry, painting, photography, printmaking, fiber, and glass. The festival also features live music; art demonstrations; and food, including ice cream sundaes served in handmade collectible ceramic bowls. For more info visit: http://bit.ly/oc-jun6

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LOCAL EVENTS GUIDE

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JUN 13 | Long Beach Art Walk The Long Beach Art Walk is a project of the Arts Council for Long Beach. Walk our 7 art filled city blocks lined with eclectic harmonies creating the perfect soundtrack to explore our 7 galleries, 21 murals, and 30 businesses. Come experience unlimited possibilities! For more info visit: http://bit.ly/oc-jun13

JULY

JULY 4 | Independance Day Can’t figure out what to do this year, then take a look at these options for this year’s Independence Day. Disneyland Fireworks, Fourth Street Faire and Fireworks @ Mission Viejo, Fireworks @ San Clemente Pier, Huntington Beach Fourth Celebration, Fourth Experience @ Dana Point Harbor, Fourth of July Carnival @ San Juan Capistrano, and Independence on the Back Bay @ Newport Dunes. Enjoy a fun and safe holiday! JULY 26 | Chefs Experience - OC Food & Wine Celebration An unforgettable dining experience of fine wine and delectable chef creations. Guests will enjoy a sumptuous gourmet five-course meal paired with fine wines, prepared tableside by one of our premier 26

Orange County chefs. Inspired table designs, cuisine fit for royalty, exquisite wines perfectly paired for each course and five-star “white glove” table service. For more info visit: http://bit.ly/oc-jul26

AUGUST

AUG 14 | Kegs and Corks This is a family fun event filled with games, food, fun and prizes. For more info visit: http://bit.ly/oc-aug14 AUG (TBA) | OC Night Market 626 Night Market is inspired by the famous open-air nighttime bazaars of Asia, where people come together to eat, drink and socialize. Established in 2012, the large-scale market is named after the 626 area code region of San Gabriel Valley, northeast of Los Angeles. The iconic Southern Californian event at Santa Anita Park in Arcadia features 300+ food, merchandise, crafts, arts, games, music, and entertainment attractions in an epic event that appeals to all ages with up to 100,000 attendees per 3-day weekend. For more information please visit: http://bit.ly/oc-aug-nm


LOCAL EVENTS GUIDE

ORANGE COUNTY SEPTEMBER

SEPT 4-6 | Long Beach Lobster Festival The Long Beach Original Lobster Festival returns for its 24th year of providing Fresh Live Maine Lobster, prepared to mouth-watering perfection in the World’s Largest Cooker. You can dance away the calories to a variety of popular artists throughout the day on the dance floor, enjoy tasty eats in the food court, kick back in the VIP Lounge, take a Free Souvenir E-Photo, check out the Arts & Crafts booths, catch some sports action at the Live Sports Tent, explore the live reptile exhibit, sip on adult beverages, and sing a tune at the Karaoke Lounge with a Live Band. For more info visit: http://bit.ly/oc-sept4

SEPT (TBA) | Annual Tall Ships Festival In celebration of California’s rich maritime history, the Ocean Institute annually hosts a fleet of historic tall ships that sail into Dana Point Harbor. This extraordinary event takes place each year the second weekend in September. For more info visit: http://bit.ly/oc-sept-tall

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Travel in Style – by Bonnie Roseman

If there’s anything I’ve learned in my 35 years as a stylist, it’s to “carry on,” and by that of course, I mean take a carry-on bag! In order to make travel easier for my busy clients, I’ve spent years developing techniques to make traveling simple and fun. A carry-on bag is key to making your journey more enjoyable; no more hauling multiple bags, or worrying about losing your luggage, which can ruin your trip before you even begin! In my most recent trip abroad, I traveled to the Scandinavian countries before flying to Greece for a little sun in the Cycladic Islands. After that, it was off to Italy and over the Alps. All the while, I had just one bag with me. 28


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To make the most of your luggage space, I suggest you wear your jeans and sneakers, and carry your leather jacket while you travel, to save space in your bag. Roll all items tightly! It saves space, and keeps everything from wrinkling. I usually prefer to stuff my undies and socks in my shoes. Select pieces with fabrics that can wash and hang to dry without needing to be pressed – it’s easier to keep things fresh and avoid using foreign cleaners that can be very expensive. Here are the basics for 6 weeks of traveling abroad across different climates. This short, gender-neutral list includes the basics for a great travel wardrobe. I recommend that your main wardrobe color for travel be black. It looks slimming on everyone, and doesn’t show dirt as easily. A few colorful tee tops can be added to give a little zip to your ensemble. All of these items will fit into your carry-on luggage and provide options for mixing and matching stylish looks while you see the world. You can then personalize your list by adding your toiletries, gloves, hat, or other essential accessories as needed.

TRAVEL WARDROBE Underwear 6 undergarments 6 pairs of socks Pajamas (your choice) Outerwear 2 tee shirts 2 button down shirts (one dressy, one casual) 2 pairs of pants (one jean, one black trouser) 1 pair of shorts 2 jackets (one leather, one raincoat) 1 cashmere sweater (pullover or cardigan) 1 bathing suit 1 basic black blazer (can be worn day or night) Accessories Scarves (colorful, lightweight) Belts (at least one black) Jewelry (a few pop pieces) 1 tie (traditional or bow tie) Shoes One heel or dress shoe One pair of flats (for day or night) One pair of sandals

Feel good, and look even better! Please contact me personally if you have any questions or would like to see my unique travel collection which can be dressed up or down. Bonnie@bonnieroseman.com | www.bonnieroseman.com | 917-209-0516 Bonnie Roseman Bio Fashion Designer. Style Consultant. Wardrobe Architect. The press has designated Bonnie Roseman as the ultimate fashion expert over the years. Featured on the NBC Today Show, People Magazine, and more, Roseman furthered her B-L-T brand by presenting her collection through the Home Shopping Network and Home Shopping Europe. Bonnie Roseman’s BLT has evolved into a full service boutique for women of all body types and lifestyles, featuring wrinkle-free fabrics and unique accessories that pack well and travel lightly wherever you go. Schedule with Bonnie and she’ll tell you all the secrets she’s been telling her clients for over 30 years. 29


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10 Year Countdown

To Retirement

Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less. • D . o a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point. • D . on’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.

Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.

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Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account. •

Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.

Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. (. . .continued on page 33)

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RECOMMENDED SERVICE DIRECTORY AIR CONDITIONING Airwest Air Conditioning and Heating.............19

MEDICARE McKinney Moore Financial......................................5

ASBESTOS, LEAD & MOLD REMEDIATION Pacific Environmental & Abatement Solutions.....3

MORTGAGES SJ&B Mortgage....................................................16-17

ASSISTED LIVING Merrill Gardens at Huntington Beach...................1

PEST CONTROL ECOLA Termite..........................................................25

COSMETIC DENTISTRY Tadros Dentistry........................................................21

PLUMBING Doheny Plumbing, Inc..............................................11

DENTAL Tadros Dentistry........................................................21

REAL ESTATE Senior Real Estate Solutions................................23 SJ&B Mortgage....................................................16-17

FINANCIAL PLANNING McKinney Moore Financial......................................5 GENERAL HANDYMAN Orange County Handyman Services................25

RESTAURANT Raising Cane’s Chicken Fingers......Front Cover, Front Inside Cover

HAZARDOUS WASTE REMOVAL Pacific Environmental & Abatement Solutions.....3

REVERSE MORTGAGES American First Financial.......................................... 9 SJ&B Mortgage....................................................16-17

HEATING Airwest Air Conditioning and Heating.............19

SAFARI TOURS Best Safaris..................................................................13

IMPLANT DENTISTRY Clear Choice Dental Implant Center......Back Cover

TERMITE CONTROL ECOLA Termite..........................................................25

IT SERVICES Masra Tech..................................................................23

TRAVEL CTA Travel......................................................................7

MASSAGE THERAPY Heather Oliver Mobile Massage.........................27

TRAVEL & VACATIONS Best Safaris..................................................................13

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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;

a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.

Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.)

• Series I inflation-protected savings bonds (sold at treasurydirect.gov)

Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.

• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.

• .How to do it: You know the routine. Tell people who can help you. Sign up for

job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.

• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store

or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html

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