18 minute read
Food
ESTATE PLANNING DURING THE VIRUS OUTBREAK By Michael J. Amthor, Esq. MIKE’S ESTATE PLANNING MINUTE
These are crazy uncertain times. Given the virus outbreak, if you have not already prepared your estate plan you should do so now. We remain open, ready and willing to help you during this crisis. It is imperative that you create an Advance Health Directive to specify who you want to make health decisions for you if you are unable to do so yourself. The Corona virus can easily result in the need to rely on others to make healthcare decisions for you. An Advance Healthcare Directive is the document that allows others to do so. Whether or not you are ill, preparing this document will give you peace of mind which is priceless given this current pandemic. Similarly, having a will or trust prepared also provides peace of mind knowing that your affairs are in order and you have done everything you can do help your family during this crisis. Health issues are on the minds of everyone right now. However, the vast majority of us will get through this with prayer and by following the guidelines to help prevent being infected. Once completed, your estate plan will continue to be in effect long after this crisis is over. You should never put off having a plan in effect that addresses your money, your health and the distribution of assets upon death. Should you get infected, you will have much comfort knowing that you have appointed someone you trust to handle your health issues and that they have the legal ability to do so. Do not wait until you feel ill. We are committed to making ourselves available to assist you and have made arrangements for the signing and notarizing of your legal documents, even during the shelterin-place order. Contact us today to make a telephone or video conference appointment.
You will feel relieved you are being proactive and doing what is best for not only you but also the ones you love. Be kind. Be patient. Be loving. We will all get through this together.
If you have questions on this or any other estate planning topic, call me at (925) 516-4888. East County Family Law Group, 1120 Second Street, Brentwood www.eastcountyfamilylaw.com – Advertisement
What’s Happening AT LONE TREE
Lone Tree Golf Course is OPEN!
The Golf Course & driving range is open under the new Contra Costa County Health Orders. • Social distancing of 6 feet or more to be maintained at all times.
Reservations required, NO Walk-ins. • Walking rounds of golf encouraged. Carts allowed with only one rider and one bag per cart while available. • Prepayment strongly encouraged (can accommodate several days before); prepay online here or call Golf Shop at 925-706-4220; pay for other players in your group helps save your & others’ time. • Clubhouse & Pro Shop will be closed; phone in only; clubhouse bathrooms closed; on course bathrooms open. • No ball-washers or trash cans on course; cups reversed for easy ball removal/Pin must be left in; carts sanitized; Putting green closed. • Driving Range is OPEN, purchase balls from Golf Shop 925-706-4220 or on range attendant. Every other matt closed. • Face masks required in Clubhouse area. • Before & after round, NO congregating at all including in parking lot.
• Enjoy your round or bucket, keep social distance at all times so all can play another day!
4800 Golf Course Road
Antioch 925-706-4220
www.lonetreegolfcourse.com
IRS CLEANERS
www.irscleaners.com
• Dry Cleaning • Same Day Shirt Service • Wedding Dresses • Shoe & Luggage Repair • Plant on Premises MON-FRI 7 AM - 7 PM, SAT 8 AM - 4 PM EmErgEncy SErvicE AvAilAblE by rEquESt mondAy - FridAy ‘til 2 SAmE dAy SErvicE mondAy - FridAy ‘til noon 41 Sand Creek Road, Brentwood 634-2811 FREE WEEKLY PICK-UP & DELIVERY IN BRENTWOOD & DISCOVERY BAY Family Owned & Operated for 17 Years Se Habla Español
Callahan’s Coffee and Cones, Campos Family Vineyards, Vin Alegro and Golden Gate Gyro were among the vendors that set up shop on Cypress Point in Discovery Bay, Tuesday, May 19.
Food trucks roll into town Photo by Tony Kukulich
by Dawnmarie Fehr Correspondent
Discovery Bay has been the site of an effort to keep local restaurants and food trucks in business.
Through a Facebook page called Food Trucks on Your Street, Discovery Bay, residents can schedule both food trucks and pop-ups from local restaurants to come to their neighborhoods and peddle their sweet and savory treats.
The idea began as a larger, East County movement when Vivian Treff, owner of Boondoggies all-American mobile hot dog stand, was trying to envision a way for herself and others like her to continue to make a living. The shelter-in-place mandates have closed restaurants’ dining rooms and many people are supporting small businesses by ordering meals for takeout or delivery. But what of eateries that don’t have a brick-and-mortar location to serve customers?
“I was dead in the water,” said Treff, a Brentwood resident. “Everything was canceled, all large gatherings were canceled . . . we didn’t know what to do. We started thinking about how we could shift gears in communion with the health department and city.”
Treff came up with a plan and created a Facebook page called The Great Food Truck Race of Brentwood, Oakley and Discovery Bay. Residents were able to connect with local food trucks and restaurants with mobile carts and schedule them in their own neighborhoods. Amanda Dove of Discovery Bay took the idea and ran with it, starting the localized Discovery Bay Facebook page to keep things organized.
“I built from (Vivian’s) concept, but with the hope that we could control the number of food trucks in town each day by creating a Discovery Bay-only calendar,” said Dove. “This way we could keep the food trucks from overwhelming the town — booking and promoting only one countypermitted truck per day helps both the food truck and the other restaurants in town.”
Once the word spread, local restaurants like Callahan’s Coffee and Cones and Vin Alegro joined the movement with their own pop-ups.
Dove said most of the trucks are locally owned, but some outside ones have come by special request. Michael Callahan is a Discovery Bay resident and business owner who has brought his Coffee and Cones to the community through the Food Trucks on Your Street, Discovery Bay Facebook page Dove started. He said the business he gets at his pop-up has helped to augment the huge decline in foot traffic his shop has seen.
“We are just trying to get people to buy ice cream,” Callahan said with a laugh. “We have a cart, and we sell all of our prepacked ice creams in half pints and pints. We try to offer the community options at their door at these private events.”
Callahan added the events are going well and have enabled his business to continue to provide complimentary ice cream certificates to local schools and nonprofits as awards.
“Things like that are important to continue,” Callahan stated. “It’s hard enough for the kids to school at home, and to not get recognized for getting on the honor roll while schooling at home would really make it horrible. These events are making it so that we are able to continue doing that.”
Discovery Bay resident Terry Arellano owns Rita’s Italian Ice and Frozen Custard in Brentwood. She said as a local business owner who has been hurt by the pandemic, she very much appreciates the effort her community is making to keep family businesses like hers from closing. When the food truck events began, she and her husband pulled their cart out and began offering dessert all over East County.
“We were struggling,” Arellano admitted, adding the business they’ve done at the private neighborhood events has saved them. She described an all too common situation that included reduced hours, laidoff staff, overdue rent and a bleak future.
“These days, the store may make $300, maybe on a hot day on the weekend, $500,” Arellano said. “Then we go to the food truck events and in the first two days, we made $3,000. So it really has helped us.”
Rita’s has been able to increase store hours and hire more employees. Arellano said they are being booked at events in Discovery Bay, Brentwood and Oakley.
“We love having (the food trucks) come out on our street,” said Discovery Bay resident Christina Resendiz. “It was nice to get out, walk down a few houses to grab dinner and dessert without having to actually go drive to a restaurant or order delivery.”
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During these unusual times we are here to assist you with your home loan needs. Whether it is refinancing or a new purchase loan, let me guide you through this process. 925-584-4368 kpickett@guildmortgage.net
www.kathymertens.com Kathy Mertens-Pickett
Senior Loan Officer NMLS ID #3274 Individual NMLS #325906 TOP 1% OF MORTGAGE BROKER IN THE USA 2016-2019
HEALTH HUT Serving Brentwood since 1973
Your health is your number one asset, now and always. Support your immune system with vitamins, minerals, herbs, local honey & bee pollen. Now offering delivery service, mailing service and taking email & phone orders for quick pickups. Store hours: 11-4 Tuesday-Wednesday, 11-6 Thursday-Friday, 8-2 Saturday. 161 Chestnut Street, Downtown Brentwood • 925-634-5361 brentwoodhealthhut@gmail.com
www.brentwoodhealthhut.com
Learning Tree Tutors
Christina Dalton of Learning Tree Tutors is open to help during the shelter in place. She offers Remote Tutoring Support for K-12 and Adults Learners. Over 39 years of Educational Experience and Teaching! Call Today 625-4960 or email: calberkgirl65@yahoo.com
IS OPEN Mon. - Fri. 8am - 5pm and Sat. 8am - 4pm with a wide assortment of the freshest nuts, dried fruits, gourmet candies and trail mixes! Order online and have it mailed to you or call ahead to pick up at the door! 625-2355 112 Sandy Lane, Oakley
www.continentecountrystore.com
IS OPEN Tues. - Sun. 10am - 5pm Local Honey & Olive Oil in stock Dried Fruit, Nuts, Candy, Fruit Pies too! CUSTOM GIFT BASKETS AVAILABLE... Call in advance to save time or just come to the Ranch for curb side pickup… 634-4913 1921 Apricot Way Brentwood
www.gurskyranch.com
Dallas Shanks Chevron
Convenience Store, Gas Station and Car Wash are open 24/7. Lobby Hours 5am - 8 am only. Use your Safeway Gas Rewards here and we now have Amazon lockers to pick-up your online purchases at 190 Griffith Lane, across from water park in Brentwood. Open 24 hours a day for your service 513-2815.
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WE ARE OPEN FOR YOU Mon-Sat. 8am-4:30pm, Sun. 10am-2pm Perez Nursery is a 10 acre nursery, come stroll the grounds at 2601 Walnut Blvd. and relax while shopping our large selection of shade trees, tropical plants, shrubs, Fruit trees & Veggies. To place a order e-mail Irmazperez@pereznursery.com or call 516-1052 and we will deliver locally for FREE www.pereznursery.com Lis# C-27857915
We are currently open for curbside pick up and home delivery, Monday through Friday from 10:00 am to 4:00 pm. Give us a call and we can schedule a VIRTUAL FIT, if you have never been fitted for proper running and walking shoes. 6061 Lone Tree Way, Brentwood 925.306.0830 MENTION THIS AD AND RECEIVE $10 OFF YOUR NEW SHOE PURCHASE.
www.fleetfeetbrentwoodca.com
OPEN Mon.-Fri. 7am to 4pm For all general Auto Repairs and any Smog Services needs. Call today to make an appointment 634-9213. 40 Sycamore Drive and Brentwood Blvd.
www.facebook.com/ dallasshanksandsonsauto Dallas Shanks & Sons
COMPLETE AUTO CENTER
Brentwood Florist + Flowers by Gerry
WE ARE OPEN FOR YOU! Mon.-Sat. 10am to 2pm Let someone special know you love them. Same day Delivery or Pick-up, Order by Noon. 8335 Brentwood Blvd.,next to Jalisco’s Call 634-4313 or 634-1593
www.brentwood-florist.com
WE ARE OPEN TO SERVE YOU! Mon.-Fri. 8am to 6pm Sat. 8am to 5pm For all Tire Sales and Services on your Brakes, Shocks and Alignments... CALL OR SCHEDULE ONLINE Brentwood: 6361 Lone Tree Way • 513-3432 Oakley: 89 Carol Lane • 625-4532
www.LesSchwab.com
WE ARE OPEN TO SERVE YOU! It’s a great time to buy, sell or refinance! We’re all working and fully operational for all your mortgage needs... Call us today with any questions 925-634-6600, your neighborhood lending experts or email teamomalley@summitfunding.net 141 Sandcreek Rd., Brentwood
Branch NMLS ID# 880995, NMLS ID# 240904, CA DRE # 01423655
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Investment strategies to ponder for the post-coronavirus portfolio
“I am taking time to reflect on how the coronavirus and this financial crisis will affect investing as we move forward, analyzing recent recommendations and observations,” said Dr. David Kelly of JPMorgan Chase in a recent markets call.
The coronavirus, besides forever changing air travel, entertainment and working from home, requires us to rethink how we, as financial advisors, should construct investment portfolios going forward.
In the past when designing portfolios for retirees, widows and others who may no longer be in the work force, financial advisors needed to create a structured plan that focused on the investor’s long-term goals while accounting for market risk.
Now that the bear market is here, investors are re-sensitized to risk and are increasingly asking about it. Dr. David Kelly shared that portfolios should have “three sleeves: risk, guaranteed income, and non-correlated assets.” As such, this is a great time for investors to review their current investment strategies and understand “The Certainty of Uncertainty.” Essentially, nothing in life is “guaranteed,” and there are different degrees of risk in all of our undertakings.
SOILAND
While we cannot eliminate risk completely. We can do our best to try and reduce our exposure. We can “stress test” portfolios to simulate how they may perform under different market and economic conditions using our Risk Analysis and Portfolio Testing Review (RAPTR) tool.
I feel that when advisors reinforce the importance of rational decisionmaking, focusing on things that you can control and not on things you cannot, investors are often better positioned for managing life circumstances effectively. Instead of chasing returns, they are prepared for what we call the “certainty of uncertainty.”
It’s important to have a plan for all scenarios: for when times are good, when times are bad, when you are healthy, when you are not healthy, when you are alive and when you pass away. Investors should have a plan that allows them to access their money whenever they need it and in the most efficient way possible.
I believe quality financial advice starts with teaching clients to make rational decisions about investing so they have the money to reach their goals – whether planned or unplanned. Maybe it’s time to have YOUR portfolio “stresstested”?
I recently joined APEX Securities & Asset Management, LLC as a new partner and Senior Financial Advisor.
I was recently the Branch Supervisor at Wells Fargo Advisors in Orinda, CA. I am a CERTIFIED FINANCIAL PLANNER™ professional (CFP®), Certified Investment Management Analyst (CIMA®) and Certified Investment Management Consultant (CIMC®).
For over 32 years, I have been committed to providing clients with the highest level of professionalism and personal service.
My family and I have lived in Brentwood since 2008. My wife, Alison, and I have two daughters. In my spare time, I enjoy a variety of activities including pickleball, golf, reading, traveling and being outdoors.
My focus is on helping pre-retirees, retirees as well as single women (divorcees and widows) plan for the next phase of their lives. My years of experience and knowledge are in the areas of retirement planning, retirement income planning, and helping clients with health care, social security, long-term care and estate planning strategies. I can be reached at 925-516-2732 or eric.soiland@wfafinet.com. – Eric Soiland, Senior Financial Advisor /Partner at APEX Securities & Asset Management, LLC __________________________________
Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC. APEX Securities & Asset Management, LLC is a separate entity from WFAFN. CAR # 0420-04270 – Advertorial
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