Women In Business 10.7.16

THE PRESS

WOMEN

OCTOBER 7, 2016

IN BUSINESS

Photo by Tony Kukulich

Smiles Are Our Specialty • Complimentary Consultations • Flexible Payment Plans • Convenient Location & Hours • Personal Attention • Invisalign and Clear Braces Available • State-of-the-Art Office

Frank M. Hann D.D.S. Kristen M. Hann D.D.S.

ORTHODONTIC SPECIALISTS For Adults and Children

Did you know the American Association of Orthodontists recommends every child has an orthodontic evaluation by the age of 7? Most children don’t need treatment until all their adult teeth erupt. However, some children need earlier care to make space for their adult teeth, redirect jaw growth, or break oral habits.

Early intervention can minimize the need for adult teeth extractions and jaw surgery later. Call our office today to schedule a complimentary orthodontic evaluation for your child!

100 Cortona Way, Suite 250 • Brentwood • 240-2070 www.HannOrthodontics.com

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WOMEN IN BUSINESS

Dentistry no longer a man’s world It is wonderful to see the numbers improving for women graduates.

AMY SCHRADER

J

ames Brown claimed this is a man’s world, but with the number of female dentists

– Dr. LaJuan Hall

rapidly increasing, it’s estimated that 31 percent of the dental workforce will be comprised of women by the year 2020.

Among women dentists leading the industry is Dr. LaJuan Hall, of Brentwood Children’s Dentistry. Hall, who has been practicing dentistry for more than 20 years, began her career in the Army in 1982. She later graduated from the UCSF School of Dentistry with a doctorate in dental surgery and graduate certificate in pediatric dentistry.

“In the 1980s, I served in the Army Reserves as a dental specialist, and there were not any female dentists in our unit,” she said. “The male doctors were wonderful, but it would have also been wonderful to see a woman in a leadership position.”

According to Hall, during the 1980s, very few women majored in

Press file photo

Among women dentists leading the industry is Dr. LaJuan Hall, of Brentwood Children’s Dentistry. math and science. Those who did had to forge their way into male-dominated fields. In 1980, only 3 percent of

dentists in the US were women.

“It is wonderful to see the numbers improving for women graduates,” said Hall. “As a result of my own experience, I am inspired to mentor young women and encourage them to study as much math and science as possible.

Networking and leadership development are very important factors in improving those statistics.”

When asked what her proudest accomplishment is thus far, Hall said it is graduating from UCSF, one of the best dental schools in the country.

“My training has prepared me to successfully build a thriving dental practice and serve as a volunteer to help others,” she said.

Last year, Hall received a 150th Anniversary Chancellor’s Award for leadership and community service from the University of California San Francisco.

OCTOBER 7, 2016

While the number of women dentists continues to rise, many patients specifically seek them out for dental care, thinking they are more gentle and empathic than their male counterparts.

“I’ve never seen anyone so caring and so good at what they do,” said Brentwood resident Julia Brazina.

Brazina brought her 6-year-old daughter, Emma, who was terrified of the dentist, to Hall’s office after being told that her daughter could only be treated – even for simple x-rays – under general anesthesia by other dentists.

According to Brazina, Hall made the experience a positive one for Emma by introducing her to Mr. Biscuit, Hall’s dog, and letting her pick a movie. She also gave her a cozy blanket and had someone paint her nails while they completed an extraction.

“I was speechless and stunned,” said Brazina. “Emma loves Dr. Hall and can’t wait to go back for her next extraction.

This is the only dentist we will ever take our kids to.”

Brentwood Children’s Dentistry is located at 2201 Balfour Road, Suite A, in Brentwood. For more information, call 925-308-7608 or visit www. brentwoodchildrensdentistry.com.

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OCTOBER 7, 2016

WOMEN IN BUSINESS

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Hann Orthodontics – the future of smiles AMY SCHRADER

I

n 2015, the orthodontic residency program at the USC Herman Ostrow School of Dentistry had a

current class comprised of all women

Dr. Kristen Hann, second from right and her staff at Hann Orthodontics, bring their professionalism and expertise to every patient.

– the first since the program was established in 1934.

About 17 percent of active, practicing members of the American Association of Orthodontics are women, and in 2013, the American Association of Orthodontics elected their first female president. It’s clear the future of orthodontics is shifting toward gender equality.

Dr. Kristen Hann, of Hann Orthodontics in Brentwood, is a leader in orthodontics, providing her patients with cutting-edge technology and giving them healthy, beautiful smiles.

“Dentistry and orthodontics have been an old-boys club for so long, but things have finally started to shift,” said Hann.

ON THE COVER: Dr. Kristen Hann is one of the premiere women leading the way in orthodontics – an industry that has long been male-dominated.

Photo by Tony Kukulich.

Photo by Tony Kukulich

Hann grew up working in her father’s orthodontics office every summer and Christmas break, from the age of 8 until she entered her orthodontic residency.

However, it wasn’t until she went on a medical and dental mission trip to Costa Rica, when she was in college, that her

decision to pursue dentistry was solidified.

“We were able to assist with dental procedures and teach oral hygiene to communities that had no access to a doctor or dentist,” said Hall. “I was drawn back to orthodontics because of the amazing changes that happen to the teeth and jaws

during treatment, and I always enjoyed working with children and teenagers.”

Once Hann set her goal, it took nine years of college, dental school and orthodontic residency to become an orthodonsee Hann page 4B

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Hann from page 3B tist, which is two years faster than most, thanks to Hann’s enrollment in accelerated programs and planning ahead. After three years of working on her undergraduate and pre-dental courses at the University of San Diego, she was accepted into an accelerated program at the University of the Pacific Arthur A. Dugoni School of Dentistry. There, she received her degree in applied sciences and her doctorate of dental surgery degree after three years of dental school. That was followed with a one-year orthodontic internship and a twoyear residency program at the University of Pennsylvania.

“The most difficult part was juggling

OCTOBER 7, 2016

WOMEN IN BUSINESS

Dentistry and orthodontics have been an old-boys club for so long, but things have finally started to shift.

– Dr. Kristen Hann academics while treating patients and trying to fit sleeping and eating into our busy schedules,” said Hann. “As difficult as

all of the training was, it really taught me time management, self discipline and how to multitask. I was able to accomplish my goal of becoming an orthodontist before turning 30.”

After graduating from her orthodontic residency in June 2015, Hann took over her father’s orthodontic practice in Brentwood, although he still works with her in the office. Hann utilizes the latest technology, including an intraoral scanner to both ease her patient’s anxiety and help them achieve their dream smiles.

“From the very beginning, they treated us like family,” said Brentwood resident Beverly Montez, whose two daughters are patients of Hann. “I can’t say enough great

things about Dr. Hann.”

Part of what has led to Hann’s success is the joy she gets from changing her patient’s lives, one smile at a time.

“I love working with people and seeing how much their confidence and personality changes from the beginning of their treatment to the end,” said Hann.

“It’s incredible to see someone shy and embarrassed of their smile blossom into a happy, outgoing person.”

Hann Orthodontics is located at 100 Cortona Way, Suite 250, in Brentwood. For more information, visit www.hannorthodontics.com or call 925-240-2070.

To comment, visit www.thepress.net.

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OCTOBER 7, 2016

WOMEN IN BUSINESS

Professionals looking for more security can take steps to find careers that promise more long-term stability.

Photo courtesy of Metro Creative

Update your job skills

T

he last several years have seen a series of economic ups and downs.

Managing careers amid such instability has been challenging for many individuals, but professionals looking for more security can take steps to find careers that promise more long-term stability. Focusing a job search on industries that have shown strong growth and the ability to ride out waves of economic turmoil can tip the odds in your favor.

Certain industries have better long-

term employment outlooks than others, and women looking for more stability should consider these industries when pondering their next career move.

Accounting Thanks to ever-changing financial policies and greater scrutiny placed on lending practices and bookkeeping, accounting jobs remain solid career choices. Jobs in accounting can range from entry-level to more advanced (and more lucrative) positions requiring certification or a secondary education. see Job page 6B

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OCTOBER 7, 2016

WOMEN IN BUSINESS

Job from page 5B Medicine Financial health does not safeguard people against illness, and health services are needed regardless of the state of the economy. That makes medical careers some of the most coveted and stable.

Healthcare professions can be lucrative, and careers in medicine are not restricted to doctors or nurses. Clinicians, medical imaging personnel and medical laboratory technicians also are needed. The U.S. Department of Labor lists services for the elderly and persons with disabilities, home-healthcare services and other health practitioner positions among the fastestgrowing career opportunities.

Computer systems Computer systems analysts and programming experts are highly coveted in today’s digital world. Many company operations are completely overseen by relatively autonomous computer systems.

As technology keeps changing, employees who are able to stay abreast of the changes will only grow more valuable.

Construction With more money injected into the economy, homes and businesses can once again resume growth. Laborers skilled in construction, masonry and residential building, and structure contractors can count on steady employment.

Environment Clean-energy and other environmental jobs may currently make up a small percentage of employment, but reports

Focusing a job search on industries that have shown strong growth and the ability to ride out waves of economic turmoil can tip the odds in your favor. from the Bureau of Labor Statistics indicate jobs in this sector are growing much faster than in other fields, including healthcare.

Workers ready to get in on the ground level may benefit from opportunities for advancement and the stability of working in a field that figures to grow considerably over the next several decades. Green jobs include work that is primarily involved in the production of green goods and services, such as renewable energy, pollution reduction and recycling. Green jobs also are those that involve education and training related to environmental compliance.

Entering the job market for the first time or reentering it with a new career direction can be intimidating. Focusing education and skills on careers that are proven winners can be the security and confidence boost professionals need.

– Courtesy Metro Creative

Local Realtor & Mom of two boys.

Keeping your family safe is important to me.

Not only working smarter, but working harder to ensure that your dream home becomes your reality!

My own personal motto has always been about not only working harder, but also working smarter; take the path least taken, and you will find the best rewards in helping other fulfill their dreams. What I didn’t realize all those years ago is that real estate truly encompasses all of these. I feel that this business has truly made my life in business and my home life come full circle. I am fulfilled at home, as I get to go to field trips and be the team mom, but at the same time, I am often showing homes until 8 or 9 p.m. and throughout the weekend. Clients and other agents alike often comment on my 2 or 3 a.m. emails, but this is just the way I work, and I don’t like to leave something on the table for the next day if I can spend a little time to Susan Redgrave get it finished. Almost every one of my clients has Realtor become a friend, and I care deeply about them, making sure that they each get 100 percent of me and that they know that I am behind them 100 RedgraveRealty@gmail.com percent. I often put them ahead of most everywww.RedgraveRealty.com thing else in my life. Looking back, I should have taken the advice of the first person who told me CalBRE#01997935 when I was getting my first degree and started becoming a realtor then, but we each walk our own path, and I am thrilled that mine led me here and has allowed me to help so many people.

I look forward to helping many, many more find their forever homes and helping make all your dreams come true!

925-483-3294

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4045 Lone Tree Way, Ste D, Antioch www.hearingservicesofantioch.com

925-778-3298

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OCTOBER 7, 2016

WOMEN IN BUSINESS

Reverse Mortgages – Fact and Fiction

By Beth Miller-Rowe Branch Manager and Reverse Mortgage Specialist • The Reverse Mortgage Group • A Branch of American Pacific Mortgage

Is a reverse mortgage a retirement tool or a loan?

Both are the correct answer. Yes, a reverse mortgage is a loan against your home. A reverse mortgage is also an amazing retirementplanning tool. People use it in all kinds of ways to enhance the quality of their retirement years and to manage the longevity of their retirement funds.

A reverse mortgage may be used to pay off an existing mortgage, which may increase monthly cash flow, since you will no longer be required to pay the principal and interest payments.

Depending on your equity position you may also be able to set up a monthly income stream or a line of credit.

People ask all the time – how much can I borrow?

That depends on the age of the youngest borrower and the value of your home. Your age is what drives the percentage of the value that you can borrow.

If you are 62 years old, you can borrow approximately 53 percent of the value of your home. If you are 75 years old, you can borrow approximately 62 percent and at 85, it is approximately 71 percent. These are rough numbers and the cost of doing the loan comes right off the top of the loan amount. The amount of those costs depends greatly on your specific situation. If we are paying off a big mortgage, then costs are higher. If you have a big equity position, then they may be much lower.

What are the out of pocket costs?

What do I have to pay for up front?

The counseling session and the appraisal are generally costs that are paid out of your pocket.

We can pay the counseling fee at closing if you prefer and, with a credit card guarantee, we can carry the cost of the appraisal to closing as well. The counseling fee is about $135, and the appraisal runs right around $600.

Utilizing a reverse mortgage to extend the life of your retirement assets has been all the buzz over the last few years.

There is an article written by Barry H. Sacks, J.D., PH.D. and Stephen R. Sacks, Ph.D., titled, “Reversing the Conventional Wisdom:

Using Home Equity to Supplement Retirement Income.” The complete article is full of statistical data, charts and analysis.

They have published a highlights summary that gives you “just the facts,” to quote Joe Friday. It is an informative article that shows you how strategically utilizing home equity can extend the life of your assets and potentially leave you with a larger legacy.

The authors state: “Establishing the reverse mortgage credit line early in retirement, and using it in the Active Strategy described in the next paragraph, and described more fully in the article, greatly increases the likelihood that the retiree’s cash flow will continue for the retiree’s entire life in retirement, as compared with the likelihood of cash flow continuation if the Last Resort Strategy is used.”

For those who enjoy the statistical analysis, the full article is extremely interesting. For those who prefer just the bullet points, the summary version will be perfect.

What is that line of credit growth feature all about?

Depending on your equity position there may be funds available to leave in the line of credit.

For example, if you own your home without a mortgage or with a very small mortgage, there will be a line of credit feature available to you at closing.

One of the very best features of the FHA insured reverse mortgage is the credit line growth feature. The minimum growth factor is the current interest rate plus-1.25 percent, so the growth factor today is 6.295 percent. The growth provides you with more available funds over time.

For example, if you have a $100,000 line of credit at closing and you left the funds there for a year, you would have $106,295 available to you next year.

The growth compounds, so you can see how beneficial that would be over time. The growth is only on funds you leave in the line of credit, but if you look at my example above, you could draw the growth of $6,295 and leave the $100,000 and it would grow again.

A lot of people use the growth to cover property taxes or an annual vacation. Of course, you can also access the rest of the line as you please, this is only for illustration purposes.

Are there restrictions on how I can use the funds?

Reverse mortgage funds are yours to use as you please.

• Use it to plan your withdrawals from IRAs or 401Ks to minimize your tax burden. Reverse mortgage funds are nontaxable, so they are a great way to supplement IRA withdrawals or social security.

• Use it to hedge the markets so you are not forced to liquidate investments at inopportune times.

None of us want to buy high and sell low if we have other alternatives.

• Use it to purchase big-ticket items like a new car or a cruise, rather than dipping into monthly income.

• Use it to maintain or upgrade your home with a new roof, a kitchen remodel or new bedroom furniture.

• Use it to fund your bigger one-time expenses like a trip to a family reunion that you might not otherwise attend.

• Leave the money to grow in the line of credit and save up for potential future expenses including in-home assistance, property tax payments and future travel.

The best way to see how a reverse mortgage may improve your lifestyle is to sit down and chat. I am happy to come to your home, review your overall financial plan and explain how a reverse mortgage may enhance that plan. I am very low key. I will explain everything and leave you with a bunch of reading material you can read, review, mull and decide if it is right for you. So, give me a call. I look forward to hearing from you.

Office: 925-969-0380 Cell: 925-381-8264 Beth@YourReverse.com 3478 Buskirk Ave., Ste. 1000 Pleasant Hill, CA 94523

BRE: 00950759/01215943 • NMLS: 294774/831612/1850 Licensed by the Dept of Business Oversight under the California Residential Mortgage Lending Act