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51 A Business Times Company Publication
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Jefferson City Magazine | 1
REASONS WHY CUSTOMERS ARE CHOOSING
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SPONSORED CONTENT Wills, trusts, and associated estate planning documents are the most common way for you to give your family guidance on how you want your assets distributed when you’re gone. People who pass away without a will or trust leave it up to state statutes and the probate courts to determine how their assets are distributed and who takes custody and care of their minor children. Probate litigation can get expensive quickly if the heirs can’t agree on how the estate should be divided.
Why Do I Need an Estate Plan? With an estate plan, you can keep certain assets and decisions out of the courts altogether. Even with a simple, yet carefully crafted will, you can give the probate court guidance on how and to whom you want your assets to be distributed. You can nominate guardians for your children if you pass away before they are of age, tell your family how you want your funeral handled, and give specific items with sentimental value to specific relatives and friends. A durable power of attorney is another important step in planning for your loved ones – and yourself. A well-drafted power of attorney can give your chosen loved ones the ability to step into your shoes and make financial and healthcare decisions for you when you’re unable to do so yourself. Trusts are a more complex planning tool, but can be useful if you have heirs who are too young or otherwise unable to manage those assets by themselves. Even though having an estate plan is important, it’s also very easy to put off indefinitely. Depending on which surveys you look at, somewhere between 55 and 64 percent of American adults have no plan in place for when they pass. Roughly another 10 percent have only a will in place, but it is so out of Alan M. Meyer Attorney at Law
date that it no longer accurately reflects that person’s situation – they may have divorced, remarried, had additional children, sold real estate or bought new real estate, or otherwise changed their estate planning picture radically enough that their old will just doesn’t work anymore. If it’s been more than a decade since you looked at your estate plan, it’s a good idea to at least look it over with a professional. At Carson & Coil, we have attorneys who prepare, update, and modify estate plans to suit your specific needs. Alan Meyer is handling new client estate planning, having expanded his practice from bankruptcy and debt relief into helping clients plan to leave their families protected when they pass. Jim Gallaher continues to provide estate planning advice for clients as he has for over four decades. Most clients are served well by an up-to-date will and carefully
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drafted financial and healthcare powers of attorney. Beware the big national advertisers and online forms, however, as they do not tailor their product to your situation. Calling Alan or Jim will get you face-toface interaction with an experienced attorney who will craft a personal solution for you and your family. The choice of a lawyer is an important decision and should not be based solely upon advertisement.
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Passion for Finance Fuels Creation of Mortgage Business GREG DELINE , a businessman and philanthropist in mid-Missouri, passed up an opportunity in the early 2000s to buy a mortgage brokerage only to instead build one from the ground up. In 2002, his mortgage brokerage opened for business and was only the beginning of his venture into the mortgage arena. Through the years, his brokerage evolved. As it grew, Greg had the opportunity to absorb it into a new company he formed, now known as Total Lending Concepts (TLC), a fullservice mortgage banker that is licensed in multiple states, including Missouri. His vision was to be a lender, not just a broker — to help people find the best loan for their situation. That is where Greg’s philosophies of business and philanthropy intersected. “I have a passion for figuring out the financing part of a situation for others,” says Greg. “Helping people achieve goals by overcoming that barrier is rewarding.” To get started on the complex journey, Greg enlisted the help of two people he knew would take this challenge head on and incorporate a mutual desire to see it through completion: his daughters, Aimee Briggs and Jessica Christiansen. “We were taught to never shy away from a challenge,” says Aimee, executive vice president of DeLine Holdings, who helped build the new business. “My dad instilled a philosophy of working hard and ‘following your heart.’ We share a love of real estate and finance.”
EVOLVING THE MORTGAGE BUSINESS
Aimee and Jessica, an attorney in Jefferson City, went to work pulling documentation, completing licensing needed and ensuring paperwork was filed. Greg has always said, “How do you find good people? You raise them.” So, it was only fitting that his daughters would follow in his footsteps and help start the mortgage business. “One thing is for certain. He is Greg in the office and Dad outside of work,” Aimee says. “It’s a balance that we have been able to maintain and respect over the years.”
TOTAL LENDING CONCEPTS NOW
TLC has progressed as a residential mortgage banker that offers competitive rates as a non-depository lender, originator and underwriter, and funds all loans in-house. Greg and the entire TLC team create the highest levels of efficiency through speed, timeliness and accuracy to avoid costly delays and to ensure a superior customer experience. “We take pride in the customer service we offer our clients,” says Aimee. “We worked hard to build a model that achieves high standards and exceeds expectations at every step of the homebuying or refinancing loan process.”
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JEFFERSON CITY
PUBLISHER'S LETTER NOT GOODBYE, JUST SEE YOU LATER EDITORIAL For the past 14 years, I have been so blessed to be the publisher of City Magazine and to bring you, the readers, the wonderful stories of Jefferson City and the people, families, and businesses that make our community a special place to live. My story with City Magazine started with a lunch invitation from two men from Columbia — Dave Baugher, one of the owners of a Columbia-based company called The Business Times Company, and his general manager, Chris Harrison. I, of course, had not heard of Dave, Chris, The Business Times Company, or their magazine, Jefferson City Home & Lifestyle Magazine. The Business Times Company was struggling to get their magazine to take hold here in Jefferson City. The pair had reached out to Dan Westhues with Central Bank about needing a local woman who could be the face of their magazine and give it the feel of local ownership. Dan gave them my name, and I am so happy he did. At the time, I didn’t know anything about putting a magazine together or advertising, but I did know Jefferson City. And so I got to work! The magazine has always been owned out of Columbia. However, throughout my time working on Jefferson City Magazine, I took personal ownership over the product. I wanted the magazine to represent our community and shine a light on the people, families, businesses, churches, schools, and charities that make us a wonderful place to live. That was 2005, when the magazine was 22 pages and, for the most part, focused on women’s interests. It was fun putting together content to involve different groups of ladies in the community. We hosted cooking and gardening classes, offered tips in the areas of interior design, motherhood, health, and fitness, and we highlighted outstanding women of Jefferson City. As the magazine grew, we decided to represent the entire community in Jefferson City and expanded the magazine to include men’s interests. Therefore, in 2008, we rebranded the magazine and simply named it Jefferson City Magazine. We added a business section and added new lifestyle stories to include history, sports, hobbies, and more. Now, 11 years later, City has 32,000 readers and averages 132 pages each issue. It has always been my goal to fill these pages with relevant stories, interesting content, and beautiful photography. But what has always been most important to me is that our readers look forward to receiving their magazine in the mail, and when they read it, I want it to connect readers to our community and fill them with pride. For the past 14 years, City Magazine has been my passion, and I’ve loved every minute of my experience, but the time has come for me to pass the torch. City Magazine is coming home. New ownership, new leadership, new look. Finally, City Magazine will be locally owned and operated right here in JCMO! There are four women, along with myself, who will continue to bring you City Magazine with the same quality, diverse content, and connection to our community. With each re-brand, page addition, or content change, City Magazine has become a true representation of our community. It is only fitting, then, that during my final cycle as publisher, my team and I are bringing City Magazine back to its roots. To find out exactly how we plan to do so, tune in to City Magazine’s Facebook page for our formal announcement on the evening of May 8.
Tami Turner, PUBLISHER Tiffany Schmidt, MANAGING EDITOR Tiffany@BusinessTimesCompany.com Mary Kate Hafner, ASSOCIATE EDITOR MaryKate@BusinessTimesCompany.com
DESIGN Kate Morrow, GRAPHIC DESIGNER Cassidy Shearrer, GRAPHIC DESIGNER Sadie Thibodeaux, GRAPHIC DESIGNER Jordan Watts, GRAPHIC DESIGNER
MARKETING REPRESENTATIVES Tami Turner, MARKETING CONSULTANT Tami@JeffersonCityMag.com Janelle Wilbers Haley, MARKETING CONSULTANT Janelle@BusinessTimesCompany.com Terra Parris, ACCOUNT MANAGER Terra@BusinessTimesCompany.com Deb Valvo, MARKETING CONSULTANT Deb@BusinessTimesCompany.com Bonnie Hudson, MARKETING CONSULTANT Bonnie@BusinessTimesCompany.com
PHOTOGRAPHY Keith Borgmeyer, Cole County Historical Society, Lindsay Graves, Tiffany Schmidt, Carrie Tergin
CONTRIBUTING WRITERS Kristin Blake, Cole County Historical Society, Lauren Sable Freiman, Chip Gentry, Lindsay Graves, Hannah Kiddoo, Lieutenant Governor Mike Kehoe, Brooke Kottmann, Eli Marchbanks, Carrie Tergin
MANAGEMENT Erica Pefferman, PRESIDENT Renea Sapp, VICE PRESIDENT Amy Ferrari, OPERATIONS MANAGER Beth Bramstedt, EDITORIAL DIRECTOR
CALENDAR EVENT SUBMISSIONS, NEWS RELEASE, SNAPSHOTS, OR ARTICLE IDEA Email Kate@JeffersonCityMag.com
SUBSCRIPTIONS Subscription rate is $39.99 for 6 issues for 1 year. To place an order or to inform us of a change of address, email Kate@JeffersonCityMag.com Subscriptions available online at jeffersoncitymag.com.
REPRINTS Contact Kate Morrow at: 573-693-0042
Jefferson City Magazine is published by The Business Times Co., 122 E. High St., Jefferson City MO, 65101, 573-635-9395. Copyright The Business Times Co., 2012. All rights reserved. Reproduction or use of any editorial or graphic content without express written permission of the publisher is prohibited.
Tami Turner, Publisher Jefferson City Magazine | 21
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TABLE OF CONTENTS IN EVERY ISSUE 21 PUBLISHER’S WELCOME 25 DATEBOOK 27 #JCITYMAG 29 TOWN TALK 31 MO TALK 33 BUSINESS BRIEFS 34 CURRENTS 37 NEW & EMERGING BUSINESSES 107 ABOUT TOWN
AT HOME 39 HOME TOUR 45 FAMILY CORNER Lindsay Graves
AT WORK
61 AT HOME 39
AT WORK 55
AT EASE 99
55 BUSINESS FEATURE The Money in Marijuana 61 RECREATION FEATURE Over the River and Through the Woods 67 BUDGET FEATURE Lines and Limts 73 FINANCIAL FEATURE Where’s the Money, Lebowski? 81 BUSINESS PROFILE U.S. Rents-It 86 CITY CHARACTER Scruggs Lumber
AT EASE 91 HEALTH FEATURE Reducing Risk 93 FITNESS Inspiration & Excellence 99 GOURMET JQ’s on High 114 CITY TREASURES Penny-Farthing Jefferson City Magazine | 23
Dear High Sc hool Senior...
like “dream big”, s that say rainbow and unicorn things You’re gonna get a lot of graduation card dy’s watching.” “follow your heart” and “dance like nobo e hallowed halls: life advice as you prepare to depart thos That’s not our style. So here’s some real so much. Take your studies seriously. Yourself, not it they might’ve been right. Call your parents. And be ready to adm it. Sometimes, life won’t be fair. Get over catch up. ies. Don’t wait until the first reunion to Stay in touch with your high school budd ything becomes cool again. Do things that are uncool. Eventually, ever Eat more than just Ramen. instead of a text. Once in a while, send a handwritten note d. Go ahead. Just don’t make a Don’t do anything stupid. Ahhh, nevermin habit of it. med in your phone. One of these Oh, and keep our phone number program days, you’re gonna need it. g, we’ll be... So, while you’re pomp and circumstancin
Fixing Big Problems, Cars, too.
Curt, Chase, & Devin Fischer P.S. – Congratulations.
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MAY 3
JUNE 1
Holy Guacamole Competition East Dunklin Street, between Ecco Lounge and Busch’s Florist 6 to 9 p.m. $5 entry.
Happy Feet for Healthy Minds 5K North Jefferson City Pavilion 927 Fourth St. 8 a.m., $10 to $25 per division.
MAY 4
JUNE 1
2019 Shelbyfest All Mustang Rally Downtown Jefferson City, High Street 7 a.m. to 3 p.m. Free.
KidsFest 2019 Downtown Jefferson City 10 a.m. to 2 p.m. Free.
MAY 4
JUNE 1
Central Missouri Master Gardeners’ 23rd Annual Plant Sale Jaycee Fairgrounds 1445 Fairgrounds Rd. 7 a.m. to 12 p.m. Free.
Historic City of Jefferson’s “A Walk Through Time” Starting on Madison St. 1 to 4 p.m. $12.
MAY 5
Landing After Hours: Missouri Pulp Fiction Creators Jefferson Landing State Historic Site 100 Jefferson St. 7 to 8 p.m. Free.
PorchFest JCMO 500 to 700 blocks of Capitol Ave. 1 to 4 p.m. Free.
MAY 9
DATEBOOK
May/June 2019
JUNE 5
Thursday Night Live with Shiloh Country Band and Murphy’s Ford Downtown Jefferson City, 200 block of High Street 7 p.m. Free for children under 3, $3 for ages 4 to 13, $5 for ages 14 and up.
JUNE 6-8
MAY 10-11
JUNE 9
8th Annual Capital City Corvette Classic Corner of East Capitol and Madison Friday cruise at 4 p.m., Saturday car show from 12 to 3 p.m. Free for spectators, $20 entry fee.
Jefferson City Great Escape Triathlon Riverside Park 300 Riverside Dr. 7 a.m., $60 to $70 before May 20.
MAY 16
JUNE 10-14
Chamber BBQ Capital Bluffs Event Center 1616 Oil Well Rd. 4:30 to 8:00 p.m.
Creative Arts Ministry Program for Kids Stained Glass Theatre of Mid-Missouri 830 E. High St., Ste. D 8:30 a.m. to 4:30 p.m. daily, $150.
MAY 23-JUNE 8
JUNE 21
“Doubting the Downpour” Stained Glass Theatre 830 E. High St., Ste. D 7:30 p.m. Thursday through Saturday, 2:00 p.m. Saturday matinee. $7 opening night, $9 all other.
Cole County Historical Society Charity Golf Tournament Oak Hills Golf Center 932 Ellis Blvd. 11 a.m.
MAY 25
JUNE 21
May Southside Market J Street Vintage 615 Jefferson St. 9 a.m. to 2 p.m. Free.
Heart of Texas at Windstone Entertainment Windstone Entertainment 2425 Industrial Dr. 6 to 10 p.m. $25.
MAY 25-26
JUNE 28
Salute to Veterans Memorial Day Celebration Jefferson City Memorial Airport 500 Airport Rd. Free.
Battle of the Brews Capital Bluffs Event Center 1616 Oil Well Rd. 5:30 p.m. $25 in advance, $35 at the door.
MAY 27
JUNE 29
Salute to Veterans Memorial Day Celebration Parade Downtown Jefferson City 10 a.m. Free.
Jefferson City Dream Time Princess Ball Capital Bluffs Event Center 1616 Oil Well Rd. 10 a.m. to 3:30 p.m. Tickets are $25 to $45.
The Little Theatre of Jefferson City Presents “Mister Roberts” Miller Performing Arts Center 501 Madison St., $15.
MAY 25 May Southside Market
JUNE 28 Battle of the Brews
Would you like an event featured in City Magazine’s Datebook? Send event info to Kate Morrow at kate@jeffersoncitymag.com Jefferson City Magazine | 25
#JCITYMAG
There’s more magazine! Check out jeffersoncitymag.com. [ BY THE NUMBERS ]
[ BEHIND THE SCENES ]
$29.7 billion $12 billion $18 million $248,000 10 to 15%
is the proposed budget for the state of Missouri for the fiscal year 2020.
is the total economic impact of fish, wildlife recreation, and forest products in Missouri.
is the annual estimate for funds generated by the sale of medical marijuana in state of Missouri.
The City Magazine team took over JQ’s on High for the afternoon to shoot our summer gourmet feature. Flip to page 99 for a look at the mouthwatering eats the boys prepared for us.
[ ON THE COVER ]
vol.
51 A Business Times Company Publica tion
For the Money Issue, Central Bank gave City Magazine an insider’s view of their bank vault.
The
was collected from Jefferson City parking meters in 2018.
is the ideal amount of your monthly income that should be saved for retirement.
100 years Scruggs Lumber celebrates 100 years in business.
[ FEEDBACK ]
ISSUE
How are we doing? Feedback plays an integral role in our print and digital content. Send your comments, questions, concerns, and letters for the editor to kate@jeffersoncitymag.com.
[ #SOCIAL ] Want the inside scoop on what's coming next for City Magazine? Follow us on social media for exclusive sneak peeks!
/jeffersoncitymag
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Jefferson JeffersonCity CityMagazine Magazine| 27 |1
TOWN TALK
A W O R D F R O M T H E M AYO R
Carrie Tergin Giving Can Build a Bridge
THE THEME OF THIS ISSUE IS MONEY, and as I contemplated what that means from a mayoral perspective, I was reminded the value of reinvesting in our workforce, families, and community. I appreciate the extremely giving nature of those who choose to give back to projects and organizations that continue to elevate our city. Perhaps one of the most extraordinary gifts ever given to our city is the Bicentennial Bridge, which only came into being thanks to the generosity of many who have contributed, including Mrs. Betty Jo DeLong. “B.J.,” as she prefers to be called, has long believed in “giving back.” She recognizes that Jefferson City has been a wonderful place to have lived, raised a family, and built a business for the past 75 years. She’s had a particular interest in civic beautification, specifically a riverfront park for Jefferson City, for the last 20 or 30 years. The Bicentennial Bridge to Adrian’s Island, which her gift will fund, will bring about something near and dear to her heart. B.J. is a lady I have long admired and someone I look up to. Her extensive community involvement is something I aspire to. I asked her son, Joe DeLong, to help summarize why his mother gave such a generous gift for the construction of a bridge from the State Capitol to the riverfront at Adrian’s Island. B.J. often says, “If it’s going to be, it’s up to me.” She decided in September 2018 that she would continue to live by this sentiment. She talked with her children and received their full support, despite the fact that the gift represents a significant portion of her assets.
She also felt this was an appropriate way to honor her husband, F. Joe DeLong, who pioneered the family getting into the steel bridge business. Thank you, B.J., for your vision and your dedication, not only financially, but through your service volunteering on various community boards and organizations over the years. And thank you for giving this gift, something we all can enjoy, something that will change the perspective from which we can view our capitol. The bridge will be complete in time for the state’s bicentennial celebration in 2021, and it will likely be one of the largest and most visible “gifts” for Missouri’s 200th birthday! It is truly a gift for each and every one of us.
Watch the concept video of this amazing project at www.bicentennialbridge.org. It’s much more than a bridge; it’s a chance to experience history, honoring our veterans at the gateway before walking through replica train cars over the railroad tracks on your way to the riverfront park. If I had a million dollars, what would I do with it? Would I choose to invest in myself or others? Whether you have one dollar or a million of them, what is your legacy? What bridge will you build? B.J. has given us an amazing example of what it means to take the gifts that she has been given and share them with us in an extraordinary way. Thank you B.J.! #BicentennialBridge #Missouri2021 Jefferson City Magazine | 29
Who you work with matters!
6 Tips To Prepare Your Home For Showings 1.
Let the light in: Open the curtains, turn on all the lights including the lamps. Light & bright sells!
2. Clean: Clean your home from top to bottom, a dirty home leads the buyer to think the home has not been maintained. 3. Declutter: Less is more! Remove personal photos and knicknacks. You want the buyer to visualize their belongings in your home. 4. Curb Appeal: A buyer’s first impression is so important. It is important to have fresh mulch, a new wreath on the door and a new welcome mat. 5. Pets: If you have pets, make them disappear. Food bowls & pet toys should be hidden. 6. Don’t stay for showings: A buyer needs to feel comfortable in your home to take it all in and look around which is difficult when the seller is there.
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I have never used a Realtor to buy or sell any house. We put the house on Zillow ourselves for about a month. When it didn’t show any progress we chose Ashley because her team had three sales on our street in a very short time. She set a reasonable price and had the house under contract in less than two weeks. She tracked with us at every step in the process. – Kemp and Tessy Shoun
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MO TALK
A WORD FROM THE LIEUTENANT GOVERNOR
Mike Kehoe Maximizing Your Dollars
I HAVE ALWAYS BRISTLED WHEN individuals use the term “only” in describing of hundreds or thousands of dollars. Coming into government from a small business, I nearly fainted the first time I heard someone say, “It’s only half-a-million dollars.” From my perspective, there is no insignificant amount of state revenue because all of it should be used efficiently and purposefully. The governor’s proposed budget for fiscal year 2020 is $29.7 billion dollars. This is a large amount of money, and it is often difficult to understand what composes the budget, how much discretionary spending is represented in this amount, and where the funding streams come from. Missouri’s $29.7 billion budget can be broken down into three nearly equal categories: federal funds, which total $9.9 billion; general revenue, which totals $10.1 billion; and other funds, which total $9.7 billion. As the name implies, federal funds come from the federal government for specific purposes. General revenue is composed primarily of individual income, sales, and use taxes, and these funds have the most flexibility of the three. Other funds include things like permit and licensing fees generated within the state of Missouri, and these funds must be spent in a specific manner. Of the general revenue dollars Missouri brings in, approximately 34 percent ($3.4 billion) is devoted to elementary and secondary education while another 48 percent ($4.9 billion) goes to priorities such as providing state match to federal dollars. This leaves approximately $1.8 billion (roughly 6% of the state’s total budget) of purely discretionary spending.
Each January, the governor proposes a budget for the upcoming fiscal year, and this proposal is the impetus for the work of the House Budget and the Senate Appropriations committees. These committees work throughout the legislative session to craft a balanced budget for the upcoming fiscal year. Missouri’s founding fathers, wisely and rightly, placed such significance on a balanced budget that passing one is the lone constitutional requirement for the legislature each year. Unlike the federal government who can, and does, spend money it does not have, Missouri’s state government operates like Missourians own budgets: We cannot spend more than we have, and we must prioritize to maximize the effectiveness of what we spend. Accordingly, a great deal of discussion by appropriators revolves around the discretionary amount of general revenue. I am fortunate to see a great deal of the day to day work that goes into crafting the state’s budget and have perspective from having served as a member of the appropriations committee. Like many of you, I also have specific areas and line-items, relating to the responsibilities of the Lieutenant Governor’s office, that I’m interested in, two examples of which are certified nursing assistant increases at Missouri’s veterans homes and funding for tourism. Missouri’s seven veterans homes provide quality, long-term skilled nursing to Missouri’s heroes. In recent years, homes have had a difficult time keeping quality nurse assistants due to the inherent challenges of the job and wages that are stuck below the market rate.
The St. Louis veterans home was used as a pilot project to determine the effect of targeted raises to CNAs on turnover and the quality of care. The results of the pilot project were overwhelmingly positive, and the Veterans Commission’s budget includes funding to mirror targeted CNA raises at the remaining six homes. Missouri’s heroes deserve the best care possible, and these raises will help retain the good employees that are critical to providing excellent care. Tourism is Missouri’s second largest industry, behind agriculture, and is ripe for continued growth with the addition of creative and effective marketing. Most Missourians, and most Americans, are familiar with the very successful branding of “Pure Michigan” and Kentucky’s “Unbridled Spirit.” Fortunately, Missouri has much to sell, and the $17 billion impact of tourism on the state’s economy has tremendous potential for growth. There are currently more than 301,000 Missourians employed in the tourism industry, and their work helped to bring more than 42 million visitors to the state in 2018 alone. Restoring past cuts to the Division of Tourism and the Tourism Commission will help Missouri become even more of a go-to destination. Budgeting, on any level, is a reflection of priorities. $29.7 billion will always be a large amount of money. All the more so when it’s your money the state of Missouri is spending. It deserves thoughtful consideration in its allocation and diligent oversight in its expenditure. The men and women crafting the 2020 budget understand the magnitude and the significance of their work, and I am grateful for their efforts. Jefferson City Magazine | 31
AT T E N T I O N J E F F E R S O N C I T Y
EMPLOYERS
When your employees use JCMG, YOU BOTH SAVE MONEY. LOWER TECHNICAL FEES THAN HOSPITAL SYSTEMS • Less expensive for outpatient surgery • Less expensive for imaging • Equal quality, lower infection rates with higher satisfaction
MOST AFFORDABLE WALK-IN CARE IN JEFFERSON CITY • • • •
No facility fees for office visits Less expensive than urgent care Alternative to costly ER visits Some of the fastest turnaround times in Jefferson City
EMPHASIS ON WELLNESS AND REDUCED COSTS • • • •
Proactive chronic condition care #1 for primary care in Jefferson City Weight treatment center Programs for workplace safety wellness
Learn more about how JCMG can better serve you with the help of:
Sofie Coleman, Outreach Specialist Email: scoleman@jcmg.org
573-556-7714 • JCMG.ORG/CITY
BUSINESS BRIEFS
Business Briefs Pro m ote d, h ired, reco g n i zed
NUNN
HEINRICH
MOYERS
NOLPH
SCHRIMPF
LEHMAN
KORTE
VICKERS
WANKUM
MUDD
OTTO
DESPAIN
HOLLY NUNN, Central Bank’s retail project and operations manager, received the Jefferson City Area Chamber of Commerce’s Fast Forward Award. The award spotlights a young professional who exhibits outstanding leadership skills and makes valuable contributions to the community. Nunn, who also serves as president of the Capital Arts board of directors, is a previous chair of the chamber’s Young Professionals group and is active in the chamber. Central Bank commercial loan officer MAT HEINRICH has been named to Leadership Jefferson City’s Class of 2019. The program, administered by the Jefferson City Area Chamber of Commerce, identifies and motivates emerging leaders and fosters their potential by exposing them to the opportunities, realities, and challenges of the community. Capital Region Medical Center would like to congratulate REBECCA MOYERS, performance improvement manager, for obtaining the Six Sigma Lean Black Belt Professional and Six Sigma Champion certifications through the Management and Strategy Institute.
Capital Region Physicians is pleased to welcome MICHELLE NOLPH to Capital Region Physicians Gastroenterology. Nolph was previously an adult nurse practitioner at both the Functional Medicine Office and SSM Health At-Home Hospice. In addition to her clinical employment, Nolph has also recently held academic positions as a professor of nursing in advanced practice at St. Louis University, an assistant professor of nursing at Lincoln University, and a nursing instructor at State Fair Community College. Hawthorn Bank announced the promotion of the following employees to branch manager and officer for the bank: KYLA SCHRIMPF, main and east branch manager; JANA LEHMAN, west branch manager; and KARA KORTE, south branch manager. Each of these branch managers have displayed increased efficiency in branch operations, overall employee satisfaction, and superior customer service leading up to their promotions. SSM Health Medical Group welcomes AMANDA VICKERS to the Jefferson City Family Medicine Clinic located at 3527 W. Truman Blvd. Vickers earned her medical degree at Edward Via College of Osteopathic Medicine in Blacksburg, Virginia, and
completed her residency at Capital Region Medical Center. She is board-certified in family medicine and osteopathic manipulative treatment. The SSM Health St. Mary’s Hospital Foundation has appointed DR. ROBERT WANKUM to serve a three-year term on the St. Mary’s Hospital Foundation board of directors. Additionally, BETTY MUDD and HARRY OTTO have also been appointed to serve a one-year term. The St. Mary’s Hospital Foundation was organized in 1991 to serve as custodian of gifts and bequests for SSM Health St. Mary’s Hospital. Jefferson City Medical Group is pleased to welcome dermatologist and dermatopathologist DR. JOHN DESPAIN to Missouri Medical Group. Dr. DeSpain, wellknown in the Mid-Missouri community, will launch a new practice opening March 4, 2019: Missouri Medical Group Dermatology. Dr. DeSpain served full-time on the faculty at University Hospital for several years before entering private practice in 1992. He is a member of the American Academy of Dermatology, a member of the Board of the Missouri Dermatologic Society, and a member of the Missouri State Medical Association. Jefferson City Magazine | 33
CURRENTS
Hyperloop Committee Headed by Lieutenant Governor Mike Kehoe and the Missouri House of Representatives, the Blue Ribbon Panel on Hyperloop will explore the possibility of a high-speed hyperloop route from St. Louis to Kansas City. The proposed route would run along Interstate 70 and would stop in Columbia. The hyperloop would make it possible to travel between St. Louis and Kansas City in about 28 minutes.
Central Missouri Master Gardener Annual Plant Sale
Happy Feet for Healthy Minds
Annuals, perennials, natives, hanging
By walking or running, participants can raise
baskets, and tomato plants will be available
funds to support mental health services for
for purchase at the Jefferson City Jaycees
children and adults at the Happy Feet for Healthy
Fairgrounds on May 4 from 7 a.m. to noon.
Minds 5K and one-mile walk. The event is held
Proceeds from the event will benefit River
on June 1 at North Jefferson City Pavilion. All
City Gardens.
participants will receive a free T-shirt.
MRRL’s Homebound Delivery Program With new support from MRRL Friends, the library has expanded their homebound delivery services to citizens in Cole County and Osage County. Those who qualify for the program share their preferences for material in a survey. An MRRL Friend then chooses a selection of books, movies, and music based on the survey results and delivers the material to the participant’s home each month.
34 | May/June 2019
CURRENTS
SSM Health A one-day grief retreat called Camp MAGIC, which stands for “Mending a Heart, Grief in Children,” will take place on June 8 at Binder Park. This free event is for children ages 6 to 12 and is designed to foster communication between children and parents about loss.
Cole County Day
Cole County Historical Society On June 21, Cole County Historical Society will host its first charity golf tournament at Oak
On June 15, Cole County Day will
Hills Golf Course. The tournament will include a barbecue, an 18-hole scramble, and door
be celebrated at the Springfield
prizes, with tee-off beginning at noon. “This tournament is a great way for individuals and
Cardinals game. There will be
businesses to support the preservation of local history while having a lot of fun,” says CCHS
group seating along the first base
Board of Directors President Dale Verslues.
line, and proceeds from the game will benefit United Way. The Blair Oaks state champion football team will be recognized and the choir will sing “God Bless America.”
High Street Missouri’s chapter of the American Planning Association named High Street one of three Great Places in Missouri in 2019. The street was recognized for its historical preservation and new businesses. Started in 2014, this program recognizes neighborhoods, streets, and public spaces of excellent character, quality, and planning. A ceremony to recognize this award was held on March 6 in the State Capitol rotunda. Jefferson City Magazine | 35
Don’t wait for your home to sell.
MOVE UP with
HEATH HIGGINS ABR, GRI, E-PRO, RDCPRO BEST SELLING AUTHOR | BROKER | OWNER 573-619-6308 | heath@heathhiggins.com
PriceForMyHome.com
“
Last summer Ron and
Svetlana made the decision they’d been dreaming about for years. Once Svetlana sold her business in Columbia, and Ron retired, they decided to sell their home and relocate to one of their favorite vacation spots – the Canary Islands in Spain. Curious about Heath’s “Move Up” program, Ron called and made an appointment with Carrie Spicer. She explained that if Ron listed his home with us, and we found a potential buyer who had their own home to sell, then Heath would purchase the future buyer’s home. Turns out that is exactly what happened. Carrie had an open house and told the potential buyers about Heath’s Move UP program. Heath looked at their home and made a cash offer with a quick close, so that they could purchase Ron and Svetlana’s home with no contingencies. It was awesome! Ron was able to focus on getting their belongings sold or ready for international shipping, while Carrie took care of the rest. The process started around May 1 and Ron and Svetlana closed on their home on September 14. Ron considers Carrie a dear friend and trusted advisor, and is enjoying his new home near the beach. He promises to use the Heath Higgins team again if he were ever to move back to Missouri! —Heath Higgins
NEW & EMERGING BUSINESSES
What’s New…
MISSOURI BOULEVARD ANTIQUE MALL Upon hearing that the owner of the Missouri Boulevard Antique Mall planned to close the mall, Cheri and Scott Willett purchased the mall and reopened it in March as the Missouri Boulevard Antique Mall & Dogwood Gift Company. The couple had previously been vendors in the mall for nine years. In addition to vintage and antique items, the couple has added fresh new products into the mix, including new décor and repurposed or upcycled items. 1415 Missouri Blvd. 573-636-5636 moblvdantiquemall.com Facebook: @moblvdantiquemall KATLYN AUSTIN SALON CHEERLEADER PUB AND GRILL Columbia-based sports bar Cheerleader Pub and Grill has opened a second location in Jefferson City. The restaurant offers both a lunch and dinner menu and is outfitted with state-of-the-art electronics, making it the perfect place to watch your favorite sporting event. 1590 Jefferson St. 573-658-9136 cheerleaderpubandgrill.com Facebook: @CheerleaderPubGrill
Katlyn Austin opened her salon in February. The salon is centrally located off of Madison Street. The salon serves and sells products for men, women, and children. The salon offers haircuts, color, waxing, extensions, and lash extensions, all at affordable price points. 244 Madison St. 573-821-4040 kaustinsalon@yahoo.com Facebook: @kaustinsalon
CITI TRENDS HOLIDAY INN AND SUITES In February, IHG opened the Holiday Inn and Suites located on the site of the former Truman Hotel. The hotel features an indoor pool, a fitness center, a meeting room, and a restaurant. 1590 Jefferson St. 573-658-9077
This February, Citi Trends opened in the Capital City Mall. The retailer has locations across Missouri and 30 other states offering clothing, shoes, and accessories for men, women, and children. All products are retailed at a discounted price of 20 to 70 percent off department store prices. 3600 Country Club Dr., Ste. 76 573-635-8470 cititrends.com
Ihg.com Jefferson City Magazine | 37
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FOR ever now later
Scruggs Lumber and Bernskoetter Construction mix modern and traditional styles in their latest home project. by M A RY K AT E H A FNE R | photos by K E ITH BORG MEYE R hen building a forever home, families can feel the nervous shakes as they navigate decisions that could impact the rest of their lives. For this custom home, the homeowners’ goal was to have durability while remaining stylish for
W
years to come. Brice Bernskoetter, of Bernskoetter Construction, and Scruggs Lumber interior designer Michele Higgins merged the needs and wants of the homeowners to create a strikingly modern traditional home to last forever.
HOME TOUR
BUILDING WITH FOREVER IN MIND Situated on a sprawling country field, visitors drive up to the ranch style home on a dramatic circular driveway. “The house impacts you as your approach it,” says Michele. The house’s white brick, inspired by a trip to St. Louis, is accented with a deep brown, almost black, front door and front facing garage. Brice noted the growing popularity of white painted brick in the Jefferson City area, so they embraced the trend while adding new features — for instance, the front of the home has a copper rain chain, a type of water feature that channels water from gutters through a series of chains and cups, instead of a traditional downspout. It was the first rain chain to be installed in Jefferson City by Bernskoetter Construction. HEART OF THE HOME “When you walk into the house, you’re drawn in by the clean lines and the softness of the home,” says Michele. The home calls out for a traditional eclectic feeling, mixing modern and traditional styles from multiple decades. This allowed the homeowners to define a personal feel while remaining in their neutral color palette. Much of the house’s interior color comes from illustrations made by the homeowner’s daughter, Rachel Roe, which hang around the home. The art’s bright colors and delicate strokes liven up the modern lines. There was a lot of trust in collaborating with Michele on the home, especially on paint color. The home was painted before the floors or anything else was installed. “With homeowners, if they can visualize it, that makes it a lot easier,” says Michele. “But if they can’t visualize, it makes things a lot more difficult.” Luckily, these homeowners were visual people. “One paint color will act like a backdrop,” say Michele. “It becomes a canvas for everything you’re going to decorate.” “A lot of homeowners think they need one color here and one color there, but you don’t. Trust the one paint in what it can do,” says Michele. “Spaces flow effortlessly together with one paint color, especially in open floor plans, which have continued to become more and more 40 | May/June 2019
Jefferson City Magazine | 41
HOME TOUR
popular. It will change and flex throughout the house. A bunch of colors will chop up the space.”The ceiling is deprived of detail, giving the space an effortless flow from room to room. TRUST IN THE DETAILS The lifestyle of the homeowner affects everything in a home, from the floors to the cabinets — even the wall colors feed off of one another. Floors like hickory are great for families with kids and pets. High on the Janka scale, a way to rate hardness, these floors can handle a little roughhousing. The homeowners have moved from raising their own kids to raising their grandkids; they ended up with a dark hickory floor. 42 | May/June 2019
“I feel like the kitchen, dining, and living rooms are a big focal point for the entire house,” says Michele, “because it’s all open. It’s their gathering space.” The kitchen, like in any home, has a special place in the homeowners’ hearts. The kitchen’s focal point is the ceramic backsplash behind the stove. The tile has a tin-like appearance without any treatments. The homeowners were initially looking for a gray backsplash to play off the white cabinets, but when they saw the dark tile, they were captivated. SUNSET VIEWING The singular change made to the original home plan was enlarging the craftsman kitchen window.
RESOURCE LIST:
The homeowners wanted as many
Contractor/Builder:
Bernskoetter Construction
Interior Designer:
Michele Higgins, Scruggs Lumber
Brick/rock:
Midwest Block and Brick
Countertops/ Granite:
Central Missouri Countertops
Cabinets:
Phil Thoenen & Sons Cabinet Inc
Lights:
Menards, Lowes, and online
Exterior Brick/Rock:
Midwest Block & Brick
Entertainment Center:
Best Buy
Plumbing:
Don Bernskoetter Plumbing Inc
Appliances:
Riback Supply Co. Inc
Electrical:
Nathan VanLoo Electric
unobstructed country views as possible.
Drywall:
Sam Braun Drywall
Brice says that the homeowners were
Plumbing Supply:
Jefferson City Winsupply
almost more invested in their screened-in
Wood Floors:
Boardwalk Hardwood Floor
porch than any other room in the house.
Master Closets:
LB Classic Closets & More
Pictured above: Contractors Brice and
The concrete floor decking was perfected
Woodwork (Trim and Doors):
Boone County Millwork
Wayne Bernskoetter of Bernskoetter
both structurally and aesthetically. The
Gas Fireplace:
Best Fire Inc
back porch has vertical cable railing
Garage Doors:
Capital Installers Inc
with large panel screens for minimal
Concrete:
Farmers Concrete Company
view disruptions. The porch ceiling is a
Central Vacuum:
Frank Schrimpf Plumbing and Heating Company
Outdoor Deck Railing:
American Sun Control
Security System:
Tech Electronics of Columbia
medium-grade western cedar. A perfect view. The homeowners have many sunrises and sunsets in their future.
Construction specialize in building homes customized to their clients lifestyles.
Jefferson City Magazine | 43
Honest. Hardworking. Quality.
Brice and Wayne Bernskoetter | 573.680.1428 BernskoetterConstruction.com | 3408 Route M, Jefferson City, MO 65101
FAMILY CORNER
It’s Called Money, Honey Tips and tricks for teaching your kids the value of a dollar. by L I NDSAY G RAVE S, CPA, Graves and Associates CPAs
O
ne of my favorite hobbies is scuba diving, and the first lesson in scuba diving is about ear pressure: “Equalize early and equalize often.” As a certified public accountant and a parent of 6-yearold twin boys, I take the same approach to talking to my children about money. Start early and do it often! When it comes to talking to your kids about money and finances, you don’t need to carve out time for long, serious discussions. Take small opportunities when they present themselves. For example, when my boys ask what I do at work, I say, “I help people with their money.” This usually leads to discussions about what taxes are and how being careful with your money is important. I, like most parents, will not claim to be an expert on parenting, but there are some key points parents can use to open the conversation about money with their children, from preschoolers to young adults. Focus on value, but don’t forget that raw dollars do matter. Small, routine discussions relating hard work to our values in life come about regularly in our household, whether it pertains to my long hours during tax season or the boys asking to spend money at the arcade. Tying hard work to providing for the enjoyable things in life never stops. Sometimes children need to hear hard dollar amounts so they gain an understanding of the power of savings and the importance of costs. They need to know dollars as a point of reference, and that does not happen overnight. It is a gradual process of learning through childhood while they’re not responsible for their full cost of living. Gradually, those lessons of monetary value and true cost build over the years. Then, one day, when it’s time for them to be on their own, they’ll be more aware and fiscally responsible teenagers and young adults. The goal is for kids to understand the value of money, but they also need lessons in debt conservation. This can start young, before they’re wanting to take out an expensive loan for their first car or become eligible to apply for their own credit cards. It is well known that too much debt isn’t healthy for anyone, but teaching kids what debt is and what it can cost can be tricky. Let them experience a bit of debt while they’re young so they understand the cost versus the benefit. Start small with something they really want, but charge them a little interest. After the loan and interest are repaid, show them how, if they had waited and saved, they could have kept that interest. Let them know that there are times in life when debt is necessary and important, like education or that first-time home purchase, but let them see the difference between healthy and unhealthy debt. Next, as your kids get older, teach them about the importance of saving an emergency fund. Help them set goals for what is reasonably needed when a financial emergency arises. What are they going to do when they
Sometimes children need to hear hard dollar amounts so they understand the power of savings and the importance of costs. They need to know dollars as a point of reference, and that does not happen overnight.
blow that first tire when they start driving? If you’ve started a conversation about the value of saving at a young age, then this conversation happens naturally. Instead of focusing on saving for something fun they want, teach them to save for the emergencies that are sure to happen in life. Finally, be a good role model yourself. As I tell the young accountants in my practice, you need to have good control of your own finances before you start advising people about their money. Do the same for your kids. Put yourself in the best position possible to be the best role model you can. Do it early and do it often. Jefferson City Magazine | 45
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FAMILY FRIENDLY Special Section
S P O R T S | E D U C A T I O N | H E A LT H | R E C R E A T I O N
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Striving to Inspire, Motivate and Challenge Students To Be Their Very Best (573) 635-3622 • 724 Heisinger Rd., Jefferson City • www.elitedancejc.com 48 | May/June 2019
Providing children with a safe, loving, educational, and fun-filled environment. • Weekly lessons & activities in our infant & toddler unit promote early motor skills • Custom written Kindergarten Readiness Curriculum • Play based lessons teaches children to LOVE learning • Weekly journaling time enhances pre-writing & writing skills • Science & sensory activities encourage children to touch & explore each activity • Assessments help teachers & parents guide lessons & activities to assist the child with development • Very large playground
Candace Goff, Director
Second Location - Oscar Drive Opening Winter 2019!
ENROLLING NOW!
Call 659-7550 to discuss enrollment options, and/or add yourself to our waiting list on our website. Creektrail Location: 1302 Creek Trail Drive, Jefferson City || Oscar Location: 225 Oscar Drive, Jefferson City (573) 659-7550 | CourtyardEarlyLearningCenter.com
Our Doors are Open Be a Crusader for a Day!
www.heliascatholic.com . 573-635-6139 1305 Swifts Highway, Jefferson City
50 | May/June 2019
Learn more about becoming a saint and a scholar! Visit us!
Gracie Barra
Jefferson City’s Newest Brazilian Jiu-Jitsu School Joining a legacy of over 700 Gracie Barra Brazilian jiu-jitsu schools worldwide, we are so excited to bring this amazing martial art to JCMO and the surrounding area. Our school provides Brazilian jiu-jitsu programs fit for students of all different knowledge levels.
Jiu-Jitsu For Kids & Teens • Jiu-Jitsu For Fitness • Jiu-Jitsu for Adults of All Skill Levels • Private Lessons 1850 State Hwy C, Suite A | Jefferson City, MO | graciebarra.com/jefferson-city-mo | (573) 636-4252 |
REDISCOVER
Corner of Madison and D unklin (573) 636-7113
Mother’s Day Brunch Event Join us May 11, 2019
Eat, Crepe, Love ~ Custom Potting Blooming Baskets and Houseplants Build-Your-Own-Bouquet Bar ~ And More!
Jefferson City Magazine | 51
Boys and Girls Club of Jefferson City are proud to announce the next
Student of the Quarter Charles Burns is a seventh grader at Lewis and Clark Middle School. As an accomplished athlete and a dedicated student, his time is limited. However, this doesn’t stop him from treating people with respect, understanding, and care. He is a constant presence in group activities at the Club and pays close attention to those who may be left out. He is the first to invite them to join in. Leaders achieve on their own, and set a great example for others. Charles consistently does both.
Congratulations, Charles! Please join us at Cork Fork & Brew • Monday, June 3rd
Sample culinary excellence while supporting the Boys & Girls Club.
For More Information or to Purchase Tickets, Visit Bgcjc.com or Call 573.634.2582
STUDIOTALK
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Oh my favorite time!! Here are some quick tips you can use this Summer! 1. Turn off the distractions! Hey cell phones don’t do well in water :) 2. Be active 30 minutes everyday! This should be easy. Enjoy that sunshine! 3. Plan easy and healthy meals! Preparation is key for success and less stress. 4. Stay hydrated! Try to drink a gallon of water everyday! 5. Make memories! Because, life is short. For the full article, head over to
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Jefferson City Magazine | 53
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THE MONEY IN MARIJUANA WHAT TO EXPECT WITH THE PASSING OF AMENDMENT TWO. BY LAUREN SABLE FREIMAN
W
ith November’s passage of Amendment Two, growing, manufacturing, selling, and consuming marijuana and marijuana products for medicinal use has been legalized at the state level, paving the way for
Missouri to experience the same economic boost seen by 30 other states around the country that have legalized and implemented medical marijuana programs. “According to the state auditor, this program is expected to generate $6 million annually for local governments and $18 million annually for the state of Missouri,” says Jack Cardetti, a spokesman for Amendment Two. The application process for infusedproduct, cultivation, and dispensary permits officially opens on August 3, 2019. With a non-refundable fee of $6,000, entities can apply for a medical marijuanainfused manufacturing or dispensary license. The application for a cultivation license is $10,000. To date, more than 450 prospective license holders have pre-applied for permits, raising more than $3 million for the Missouri Department of Health and Senior Services. According to Cardetti, that money will allow Missouri’s medical marijuana program to be implemented without delay. “To be involved in this industry, you have to be licensed by the Missouri Department of Health and Senior Services, and all activity can only happen amongst licensed businesses,” Cardetti says. “All the marijuana that is grown will be by those that hold cultivation licenses, and infused products will be made by those with infused product licenses. It will be sold by at least 192 licensed dispensaries, as Amendment Two requires the state to issue at least 24 dispensary licenses for each of our eight congressional districts.” 56 | May/June 2019
Once licenses are awarded, licensees will be required to pay an annual fee to the state — $10,000 per year for infused product and dispensary licenses and $25,000 for cultivation licenses. Cardetti also notes that Amendment Two specifies that those seeking licenses must be majority-owned by Missouri residents, ensuring that the economic benefits are largely kept in-state. “This is a competitive bidding situation,” Cardetti says. “The Department of Health will analyze and score the applications, and the ones that are best will be awarded licenses. Even then, there will be competition within the market, which we think is good for patients. It will ensure patients get a good product at a great price.” Lake of the Ozarks resident Paul Bocci represents Missouri Essentials, a 100 percent Missouri-owned group of investors with backgrounds in the medical industry and related fields. Missouri Essentials is hopeful that their applications will be approved and they’ll be awarded a cultivation license, a AMENDMENT 2
What’s required? • Requires Missouri to issue at least 24 dispensary licenses for each congressional district • Requires licensees be majority-owned by Missourians • No local government can ban medical marijuana facilities, but they may regulate the time, place, and manner of sales with planning and zoning oversight
$6,000 non-refundable fee to apply for a medical marijuanainfused manufacturing or dispensary & $10,000 per year annual fee
medical marijuana-infused manufacturing license, and five dispensary licenses. Although site selection is not yet complete, the dispensaries would be based around Central Missouri, and Bocci says they expect to eventually hire 40 employees for a growing facility in Waynesville. “These are nice paying jobs,” Bocci says. “A chemical engineer to work on the manufacturing process, an operations director who has been involved with manufacturing, people from out of state with growing experience, and a number of other individuals. There are a lot of good paying jobs.” Bocci also expects each dispensary to have a staff of five or six, many of them medical professionals who will counsel patients on the specific type of marijuana most helpful to their medical need. Amendment Two allows patients with nine medical conditions to qualify for medical marijuana. Other conditions may also qualify with a doctor’s approval. Though there is not yet an official estimate of the number of jobs Amendment Two will create, an estimated $100 million worth of medical marijuana will be sold annually in Missouri. Those marijuana sales will be taxed, as would any other product in the state. For most local governments, sales tax is the leading revenue generator, Cardetti says. Funds go towards the most basic of municipal services, including police, fire, and other public safety measures. Other governments direct tax dollars to parks or other municipal services. In an effort to both increase tax revenue and create new jobs in their communities, Cardetti says some cities are “rolling out the red carpet” to attract dispensaries. “Under Amendment Two, no local government can ban medical marijuana facilities, but they do have the ability to regulate the time, place and manner of sales with planning and zoning oversight,” Cardetti says. “No facility can be located within 1,000 feet of a church, school, or daycare, but local governments can waive that requirement or
“IT’S GOING TO HELP LOCAL ECONOMIES ALL OVER THE STATE.” —JACK CARDETTI, SPOKESMAN FOR AMENDMENT TWO reduce the setback. Every municipality will take a look and decide what works best for their community.” Bocci says that Waynesville has been welcoming to the idea of a cultivation facility, which would be located in an industrial park. In addition to the warm welcome from city government, Waynesville is also an inviting location because it is home to many veterans with PTSD and many current or former factory workers who are using opiates for pain. “These populations don’t have a lot of good options, but cannabis is one of them,” Bocci says. “That is what we are all about — it is all about the patient.” In addition to a standard sales tax, revenue from an additional 4 percent tax on marijuana sales will be used by the Missouri Veterans Commission for health care and personal care services for military veterans and by the Department of Health and Senior Services to continue to administer the program to certify and regulate marijuana and marijuana facilities. “It’s going to help local economies all over the state,” Cardetti says. “With more than 330 marijuana facility licenses, that is going to produce millions of dollars of economic benefit and opportunity.” Though he hesitates to forecast how profitable the medical marijuana business
$10,000 non-refundable fee for a cultivation license & $25,000 per year annual fee
Jefferson City Magazine | 57
IF YOU’RE JUST JUMPING INTO IT NOW, IT’S A LITTLE DANGEROUS. THIS IS A VERY COMPLICATED BUSINESS, SO YOU BETTER HAVE RESEARCHED IT. —PAUL BOCCI, MISSOURI ESSENTIALS will be for Missouri Essentials, Bocci says his research has shown that businesses can earn a 30 percent profit after taxes. But that profit comes as the result of years of effort, a heavy up-front investment, and some complications due to federal law, which still considers marijuana, including medical marijuana, illegal. “It will take quite a while to become profitable,” Bocci says. “You’re laying out a ton of money. Because you can’t borrow from banks, it’s investor money, and the biggest risk is running out of money before
An estimated
$100 million worth of medical marijuana will be sold annually in Missouri. 58 | May/June 2019
you become profitable. You can be making money, but that doesn’t mean you’ve recouped your investment.” Although there is possible legislation at the state and federal levels that could ease some complications for cannabis companies, Bocci says that those suddenly considering jumping into the industry with the passage of Amendment Two could be surprised by the nuances of the industry, the regulations, and the relationship with federal law.
“Because marijuana is still federally illegal, buildings that will be used for marijuana can’t have federally-insured bank loans,” Bocci says. “If you’re going to get involved in cultivation, you better be ready to put millions of dollars into it, from the cost of the property to licensing to operating capital. It could be $500,000 to $1 million. There is also a tax penalty called 280E that deals with drug trafficking, so you can’t deduct things like marketing costs and administrator fees. Taxes can become a big issue for you. If you’re just jumping into it now, it’s a little dangerous. This is a very complicated business, so you better have researched it.” Missouri Essentials has been discussing and planning for the legalization of medical marijuana since 2015. Bocci says when he first heard, many years ago, that medical marijuana was part of the solution to opioid addiction, the idea of substituting one substance for another didn’t make sense to him. When he started hearing from more doctors that states with legalized medical marijuana had fewer overdose deaths than states without, it hit close to home and inspired him to learn more. “One of the major reasons I’m involved in this industry is because my sister died because of the opioid epidemic,” Bocci says. “I want to get this medicine to the people who need it. I knew that if we sat down and designed it right, we could develop a good initiative, and this state can do it as well as anybody.” While cultivation and manufacturing facilities and dispensaries may become very profitable to those who perfect the business, and increased tax dollars will improve communities, Cardetti echoes Bocci’s sentiments that Missourians ultimately gain the most benefit from Amendment Two. “First and foremost, Missouri patients are benefitting because for the first time they can work with their doctor to determine what the best medical treatment is,” Cardetti says. “In some cases, medical marijuana will be the best treatment, and in some cases, it may not. This puts the doctor and patient back in charge of their health care.”
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SPONSORED CONTENT With the medical marijuana industry coming to Missouri, there is plenty of room for excitement and opportunity in the Jefferson City area. Following Missouri voters’ overwhelming passage of Amendment 2 in the November 2018 election, medical cannabis is opening doors for people and businesses to get involved in a market ripe for economic growth and prosperity. This market isn’t just for folks who want to grow and sell medical cannabis. There will be an immediate demand for services that include shipping, printing, logistics, construction, security, real estate, marketing, and several other areas where existing Jefferson City businesses already flourish.
The Business of Medical Marijuana To say this will be a competitive market is a gross understatement. There are a limited number of licenses available to grow, extract, or sell medical cannabis. As of the end of March, more pre-applications have been filed (471) than there will be available licenses (338). So what does this mean for those looking to break into the medical cannabis industry? With the actual application forms becoming available on June 4, 2019, and applications being accepted beginning August 3, 2019, it’s paramount that any business, not just those attempting to grow and sell medical cannabis, become acquainted with the ins and outs of the medical cannabis industry as quickly as possible. Perhaps more important than selfstudy and preparation, is getting involved with people and organizations with a deep understanding of the complex regulatory framework governing the medical cannabis industry is an absolute necessity. The attorneys at Carson & Coil have the knowledge and experience to help clients navigate an industry that is still federally prohibited. We aide in compliance, human resources, corporate formation, litigation, risk management, and other general practice areas to help businesses who wish Gabe E. Harris Associate
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to participate directly or indirectly in the market. For those who do receive licenses to grow, extract, or sell medical cannabis, what do you do once you have a license? One word needs be your touchstone: COMPLIANCE. With the various and ever-evolving regulations being drafted and revised, the quickest way to lose your investment is to fall out of compliance with the state government. And although there is great effort for change at the federal level, medical cannabis is still defined as a controlled substance by the United States government. This classification carries with it wide-ranging implications, from banking issues (e.g., finance and deposits) to taxation issues (e.g., business deductions). The medical cannabis industry is full of opportunity and potential pitfalls
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Over the River and Through the Woods The Missouri Department of Conservation does more than maintain the state’s natural resources; it fuels the local economy. by K R I ST I N BLA K E | photos by K E ITH BORG MEYE R
IN THE BACKSEAT of Steve Brune’s truck lies an atlas-like book with hundreds of pages and plastic binding. The book documents every last mile of public land in Missouri. Brune references its’ pages often, searching for land by county where he could hunt white-tailed deer or maybe a wild turkey. He’d then trace his finger along the coordinates of a paper road map and then go off to scout out this piece of hunting ground to find his next game. Brune has been hunting for as long as he remembers, which is around 50 years, and hardly a day passes that he’s not planning a hunting trip or sharing advice, he says. At 4 or 5 years old, he wasn’t even old enough to hold a gun when he’d go squirrel hunting with his dad and bring his game home for dinner. 62 | May/June 2019
But now, he no longer has to use this book tucked underneath the seat of his truck, as the Missouri Department of Conservation has consolidated all this information and more into a series of apps. The apps make finding public land and managing permits easier, but Brune says hunting is not a lazy man’s sport — or a cheap one, for that matter. Brune says you can stay on the less expensive “bare bones” side for sure, but it’s also not hard to spend a couple thousand dollars on the hobby. Brune has spent at least $4,000 to $5,000 on huntingrelated expenses this year. He spent $1,200 solely on bows, which weren’t even top of the line. He owns 180 acres of land where he hunts, and simply manicuring it with
herbicides, food plots to attract game, and maintenance equipment adds up to $1,000 in a month’s time. Brune is a senior vice president at Mid America Bank in Linn, and beyond his personal expenses, he sees how hunting flows into the local economy. At the bank, he meets people in their mid to late 20s who want to own a farm, and he says some save up their entire lives to own a piece of land. Hunters, anglers, and wildlife viewers in Missouri spend $2.6 billion per year, according to the Missouri Department of Conservation. Fish, wildlife recreation, and the forest products industry bring in $12 billion in total economic impact and support 99,000 jobs.
Steve Brune surveys his property.
REAL ESTATE ON THE RANGE Buying the permit is just the first step, Brune says. Then comes expenses on hotels, gas, and meals. But beyond these expenses for a single hunting trip, the streams of cash flow trickle into the real estate industry. Brune says land can gain a 20 to 30 percent value increase depending on the hunting potential. While pasture land without a single tree might go for $2,000 per acre, that same land with a hunting lodge, manicured trees, and paths throughout jumps to $2,500 per acre and maybe more. That’s big money, and Brune says that people don’t often realize the recreation aspect to land value. It’s how Dale Struemph makes his living as a broker-associate for the Central Missouri
Living the Dream Outdoor Properties office. “Although hunting is one of the top selling aspects of many properties, we typically combine it in a broader category of recreation land,” he says, “which is going to include everything from hunting and fishing to bird watching, picking mushrooms, trail riding, and anything that can be enjoyed while in the outdoors.” As someone working in real estate with a focus on recreation, Struemph spends his days meeting with people, being out on the land, and, of course, doing paperwork. When it comes to manicuring land for hunting purposes, Struemph says it all revolves around the function of cover, food, and water, which will draw animals in. “If you’re a hunter, your
dream is to always have your own land to hunt on,” he says. “There’s no better connection with nature than owning and taking care of that property yourself.” For Kevin Lohraff, manager of Runge Nature Center, the connection between nature and economy is nothing new. He says some of our oldest towns are on rivers because of the trading hub activity and available resources. Missouri also is blessed with access to the two longest rivers on the North American continent: the Mississippi and the Missouri. And on the most basic level, nature is just pretty, and that translates to home prices. “A vista is the highest-dollar value real estate because people want a view and are willing to pay for it,” Lohraff says. Jefferson City Magazine | 63
STREAMS OF REVENUE Missourians might assume that other states have similar departments of conservation, but that’s not the case, especially when it comes to budgeting and funding. “On a budgetary standpoint, a lot of people think Missouri’s department of conservation is the richest, but that’s not true,” Aaron Jeffries, deputy director of outreach and policy for the department, says. “We’re probably middle of the pack compared to other states.” Missouri is one of three states with a dedicated sales tax benefitting its conservation department and is the only state with a commission of constitutional responsibility to manage fish force and wildlife, Jeffries says. With a mere 50.8 percent voting yes, this sales tax of one eighth of a cent was added to the Missouri Constitution through a 1976 amendment. This sales tax applies to all taxable items, including food, and has generated more than $100 million each year since 2012, according to the department. In the 2015 fiscal year, the sales tax totaled $110.5 million, about 60 percent of the department’s total revenue. Lohraff says hardly any other state conservation department has resources like Missouri’s: “Most
states don’t have these kinds of opportunities and resources for the public,” he says. “But it’s the public’s money; we’re just stewards of it.” Lohraff has been to all 50 states and says many state parks require an entrance fee — but not in Missouri, thanks to multiple sales taxes benefiting the outdoors. “We don’t have to have people shove out more money,” Lohraff says. “The people have already paid.” Judith Lambayan has been volunteering for the department for almost a quarter of a century and says people from all over the state and even around the globe come to Runge Nature Center. “People have heard of us from all over the country because our department is so well-run,” she says. “When the people in Missouri decided to help finance the department with the sales tax, that really was an accomplishment for the people of Missouri.” Beyond the budget and structure, the Missouri Department of Conservation has been dealt a good hand when it comes to public lands — Missouri claims 70 shooting ranges and 15 nature centers. “I’ve been to states that were excited to open one or two shooting ranges or their first nature center,” Jeffries says.
CONNECTION THROUGH CONSERVATION The department also offers grants to promote their Missouri National Archery in the Schools Program, which introduces students to the practice of archery in around 700 schools across the state. Jeffries says the grants to schools provide the equipment, but most kids like to buy their own bows and arrows. “My two boys wanted to go out and buy their own bows with their own money,” he says. “You go to these tournaments and most kids have their very own bows.” The state tournament, held in Branson, brought in more than 3,000 kids in March, and Jeffries says local hunting stores are also reaping the benefits of the program. One of these stores is Missouri Valley Archery and Outdoor. Owner Shannan Garrett-Cooper says kids come into the shop to buy their own bows so they can practice for competitions at home; parents come in, too, so they can shoot with their kids. Her store brings in these kids along with hunters, target shooters, and Renaissance festival aficionados. Garrett-Cooper’s business is a family affair: Her grandfather made her first bow, her daughter is a business partner, most everyone in her family shoots something, whether it’s a firearm or a bow. She’s not the only conservation-minded individual looking to pass down her passion to the next generation. Brune says he recently spent a weekend with his sons shed hunting the fallen deer antlers, and their interest keeps fueling the fire for him. “You have a big meal and talk about what you saw,” he says. “To me, there’s no better way to spend the day than outside with your kids.” Lohraff also introduced his son to conservation and the Runge Nature Center before he could even walk, and that’s where he first witnessed “that immediate spark to nature and animals.” Some of Lohraff’s guns were passed down from his dad and grandpa, and he plans to pass them down to his son. Even at a young age, he felt the connection between generations. “There’s really a legacy to conservation,” he says. “There’s an awesome continuum of connection that we hope to foster.” Jefferson City Magazine | 65
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hen asked about the importance of good budgeting, Warren Buffet once said, “Someone is sitting in the shade today because someone else planted a tree a long time ago.” Whether you live in the city or county, the tree-planting process begins appropriately enough, in the spring, and it can last almost until the start of the fiscal calendar on November 1. The budget process may last six months, but according to Ken Hussey, the 314-page, $65.4 million city budget is “on our minds throughout the year.” Hussey is the council member for Jefferson City’s third ward and currently sits on the budget committee along with all 10 council members. The process starts with the department directors submitting their “wish lists,” says Hussey, to a committee that will eventually submit a proposal to the city administrator. From there, the budget will pass through the hands of many people for review. Stops include the desks of the city’s various department heads, the mayor, and then back again to the committee and department heads. By late July, the council members have begun reviewing the budget. This process includes public hearings where the details of the budget are made public for citizens who want to learn more about its contents and offer their opinions. Hussey notes that the city’s budget isn’t tied to social policy issues that are a big part of state and federal budgets. “We spend quite a bit of time working on the margins of the budget because most of the funds go toward everything that the city needs to function,” says Hussey. “There really isn’t any discretionary spending.” For locals residing across city lines in Cole County, the budget process is similar, but does run differently to the city’s in many regards. According to county auditor, Kristen Berhorst, “Cole County is a first-class non-charter county with 13 elected officials, not including four elected judges, each with statutorily defined responsibilities and each accountable to the citizens of the county.” 68 | May/June 2019
These officials include: collector, recorder of deeds, county clerk, assessor, auditor, prosecuting attorney, sheriff, treasurer, public administrator, and circuit clerk. The remaining three elected officials make up the county commission and are responsible for approving the annual adopted budget. The various elected officials make budget requests to the budget officer or county auditor, who then relays recommendations to the county commission that has the final oversight responsibility for the budget. The budget officer then compiles and prepares the budget, based on the spending recommendations of the commission. Public access is a key element in the county’s budget process. Budget documents are made available for distribution, at least one public hearing on the proposed document is required before the budget can go into legal effect. Where does the money come from? The bulk of city income comes from sales tax — two percent in Jefferson City — and gross receipts tax. “We have a pretty stable sales tax,” says Hussey. “Even through tough times, Jefferson City is a stable employer.” Another portion comes from the fees that the city collects for the various services it provides. “Parks and recreation is one department that collects a lot of fees for everything they do,” says Hussey. The parking garages and parking meters around town generate funds for the city, with about $340,000 coming from parking garages and $248,000 from parking meters in last year’s budget. These funds pay the salaries of the city staff in that department and, if there is any surplus left over, “it stays in that department while we look at the feasibility of adding another parking garage in the downtown area at some point,” says Margie Mueller, director of finance and information technology services for Jefferson City. Utility tax is another source of income for the city; one good thing about extreme weather is that funds are generated from the
“The county is not involved in the city budget other than the projects that we work on cooperatively.” heavier use utilities. When the weather is mild, people don’t use their air conditioners or heaters as much. “That’s good news for them,” says Hussey, “but it means fewer tax dollars for the city.” The county revenue stream is similar to that of the city, as it heavily relies on taxes including property, sales, and use taxes. Both fees and grants make up the rest of the county’s revenue. Where does the money go? “Even after the budget is finalized, there are unexpected revenue opportunities, such as grant opportunities, that allow the budget to be amended,” says Mueller. For example, according to Mueller, the current year’s budget was amended to add funds that were then used to purchase 10 new patrol cars for the police and to improve storm water runoff problems throughout the city. Approximately half of the budget provides the city with things like wastewater management systems. Wastewater management in particular is “obviously a necessary service, so we can’t really cut funds there to send to any of the other departments,” says Hussey. Other departments, like parks and recreation, receive some funding from the budget. The other half of the budget goes toward public safety, which includes police and firefighters. Laura Ward, council member for Jefferson City’s second ward, explains that public safety is one area where the city council works to be fiscally responsible while making sure that emergency workers have the protection they need. “We want to make sure our police officers and firefighters have the equipment they need to be safe,” says Ward. In an effort to be more efficient, personnel and payroll expenditures are always under
review. “Any time someone leaves to go somewhere else, we use that as an opportunity to really review that position to see if it’s necessary or if those duties can be combined with another position,” says Hussey. One big cost to the city is mother nature. “Most people have no idea just how expensive it can be to have a winter like the one we had this year,” says Hussey. The cost of the snow removal equipment, fuel for the trucks, repairs to equipment and roads, and overtime pay for the workers really adds up. “We actually ran out of salt this year,” says Ward. Like the city, in the county, the primary budgeting priority is to maintain financial stability. “The spending objectives of the county are substantially defined by state law, but not the spending priorities,” Berhorst says. “Public safety, infrastructure, and a healthy community all are prerequisites to economic growth and development which, in turn, is fundamental to a thriving community.” The county’s budget is composed of 21 funds broken into 51 departments. Of these funds, six account for almost 92 percent of the county’s activities. These funds include road and bridge, sales tax, law enforcement sales tax, neighborhood sinking fund, emergency services sales tax, and the largest of all, the general fund.
federal funds add up to about “$2 million total for the city’s budget,” according to Mueller. Most of these funds are from grant programs with the Federal Transit Authority and help out with the city’s public transportation. The pedestrian walkway that was recently added to the Jefferson City Bridge is an example of this. “A lot of people thought we were wasting city dollars on that,” explains Hussey, “but that was actually paid for with federal dollars, and we really didn’t have any control over it.” For those who worry about the money that is being used to maintain the stretch of Highway 50 that runs through Jefferson City, rest assured, those costs are covered with state funds. “Although I’m sure the state would be more than happy to let us pay for it,” laughs Hussey. While Jefferson City and County do receive state and federal funds, it really isn’t more than what other cities and towns in Missouri receive. “A lot of people think that, since we are the state capital, that we must get more state funds, or even federal funds, than everyone else in the state, but that isn’t true,” says Hussey. In a similar vein, Berhorst believes that it is important to note that when it comes to city funds, “The county is not involved in the city budget other than the projects that we work on cooperatively.” Such projects can
Setting the record straight It is not uncommon for a city’s residents to believe that there is frivolous or wasteful spending going on within a budget. “You really can’t go through the budget and find extra dollars,” says Hussey. Many of the services provided in Jefferson City are the result of outside funds. State and
include the capital improvement projects, animal shelters, or 911 operations. While the city and county governments operate differently in organization and services, a commonality is the procedures behind the budgets. Both the City and County are highly organized and place emphasis on prioritizing the needs of the communities they represent. Jefferson City Magazine | 69
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provide guidance about using the equity you might have built up in your home to help you pursue other financial goals. 3. You are getting divorced — or remarried Along with the difficult emotional ups and downs of divorce, both partners will have to deal with important financial considerations. Will you have enough income to support your lifestyle? How will your investments and other assets be divided? An advisor can offer thoughtful ideas for how to navigate this tricky time in your life. As for remarriage, “it raises questions about how to best combine your financial lives,” notes Burns. Do you have an estate plan for the two of you that provides for the financial security of the other should one of you die? Are there children from a previous marriage you would like to leave an inheritance to? These are just some of the questions you will want to work through with your new spouse and an advisor.
it can be helpful to ask such questions as: What steps should you consider taking now so that you will not outlive your money? When should you claim your Social Security benefits? How will you fund unanticipated medical costs? “No matter what life stage you are in, an advisor can help you look beyond your immediate needs to build a strong financial future,” notes Burns. For more information, contact Merrill Lynch Financial Advisor Gregg Lippert in the Ladue, MO office at 314.997.2958 or 800.937.0554 or gregg.lippert@ml.com.
1
Source: United States Department of Agriculture, Expenditures on Children by Families, 2015
4. You have received an inheritance A sudden influx of cash or assets raises immediate questions about what to do with it. “A financial advisor can help you think through the ways you could put that money toward your personal and financial goals,” says Burns. Together, you should think about how to allocate this influx toward existing debt or consider new investment options, and this can also be the time to rethink when you may want to retire. 5. You are approaching retirement As the length of time you are likely to spend in retirement continues to grow, it is more important than ever to have guidance in preparing financially for that next phase of your life. Five or 10 years before you retire,
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Where's A brief overview of investments, savings,
the Money, and managing debt in your 20s
Lebowski? by Mary Kate Hafner
Money is funny. It’s also complicated, uncomfortable, and confusing.
HOPE GERDES Financial advisor, Edward Jones
Among advisors, the rule of thumb is to save 10 to 15 percent of your monthly income for retirement. 74 | May/June 2019
Along with sex, religion, and politics, money has been deemed too taboo for the dinner table. Ironically, that’s exactly where it should be talked about the most. The neglect of financial education has resulted in a generation of perplexed people frightened by the recession and unsure of the financial future ahead of them. When considering financial planning, City Magazine consulted a variety of financial professionals on what new graduates entering the workforce should be doing with their money. Money is a highly individualized matter. The advice given in this article is general. Before taking action, one should consult a certified financial planner for their best financial options.
STARTING BEHIND Student loans, a thorn in the side of roughly three-fifths of Missouri college students, can be one of the most daunting financial burdens facing new graduates already struggling to adjust to the new world of adult life.
Hope Gerdes, a financial advisor at Edward Jones, advises to pay loans off as soon as possible. There are too many stories recounting a graduate’s $20,000 loan ballooning to a $60,000 loan due to missed payments. “Live below your means,” says Gerdes. “If you can sacrifice for, depending how big your loans are, the first two to five years after college, and you sock every dime into your student loans, you could potentially get them paid off within five years.” Kevin Callaway, vice president, financial advisor, LPL of Central Investment Trust Co., suggests three questions to ask when looking at student loans: How many loans are out there? What’s the amount? What’s the highest interest rate? From there, Callaway suggests paying a little more on a smaller, lower interest loan to free up cash flow. One could consider combining the loans or paying the minimum payment on the loan with the smallest interest rate while paying more on the loan with the higher interest rate. These strategies could be applied to any debt, whether education or credit card related. However, nothing would compare to meeting with a certified financial planner, or CFP, and sorting out an individualized plan of attack.
INVESTING FOR THE FUTURE: RETIREMENT “Today, the universe of investment options seems endless. It can be overwhelming to decide which investments are best for you,” says Jill Dobbs, vice president and CFP at Central Trust Company. “My advice is to keep it simple.” Often, one of the benefits of a job is a 401(k) plan. A 401(k) is a contribution plan, set up by your employer, with both tax and savings advantages. One of the most common 401(k) plans offered is employee matching. This plan
THE VOCAB
401( K ) A contribution plan where an employee can make contributions from their paycheck either before or after tax, depending on the options offered in the plan. The contributions go into a 401(k) account, with the employee often choosing the investments based on options provided under the plan. In some plans, the employer also makes contributions, often matching the employee’s contributions up to a certain percentage. SIMPLE and safe harbor 401(k) plans have mandatory employer contributions.
THE VOCAB
MONEY MARKET A money market account is an interestbearing account that typically pays a higher interest rate than a savings account and provides the account holder with limited check-writing ability.
MUTUAL FUND Type of financial vehicle made up of a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments, and other assets.
involves your employer contributing a certain amount to your retirement savings based on the amount of your own contribution. The general employer contribution is between three to six percent of an employee’s pay. All of our experts cited that one of the biggest mistakes that young people make is not taking advantage of their company’s 401(k) options. Among advisors, the rule of thumb is to save 10 to 15 percent of your monthly income for retirement. But this doesn’t mean you have to put the entire 10 percent away yourself. This is where employer matching comes in. “Aim for 10 to 15 percent of salary away,” says Gerdes. “If the match is three percent, and you want to reach at least 10 percent, you should be putting in at least seven percent.” Any 401(k) contribution is tax deductible, meaning one would only be taxed on the remaining income after their contribution. However, when the money is withdrawn at retirement, taxes will be applied on the whole sum. The advice across the board was to cash in on the maximum match. Another common way of saving for retirement are individual retirement arrangements, or IRAs. The two most common IRAs are traditional IRAs and Roth IRAs. The biggest difference between the two are taxes. Roth IRAs are taxed the day you deposit your money, making them a great option for the beginning stages of a career, when one’s tax bracket is usually lower. While traditional IRAs are not taxed during deposit, the amount is taxed upon withdrawal. Often, individuals will switch to a traditional IRA when their tax bracket increases. “Little known fact — you can use Roth IRAs as your first home savings account,” says Gerdes. “You can withdraw the money without any
“The biggest advantage young people have in terms of investing money for the future is time.” —Jill Dobbs, vice president, CFP, Central Trust Company penalties for the purpose of your first home.” Otherwise, one must wait until they’re 59 and half or older to withdraw from their IRAs. IRAs have higher yield potential compared to a 401(k). The accounts are handled by banks or brokerages that allow account holders to move their money around through stocks, bonds, and real estate. “You can choose how aggressive to be in your IRA,” says Callaway. “It’s a bucket and you can do whatever you want in it.”
THE BIG BAD BUDGET “How much money is coming in every month,” asks Callaway, “and, of that money, are you making the best use of it?” One’s monthly budget is a reflection of what is happening in their life. It includes how they spend their time, where they put their money, and their financial goals. A huge mistake young people can make is putting off dealing with their financial plans. Delay could be the cost of the difference between a beachside bungalow and a basement apartment. “They kick the can down the road, and they don’t understand
KEVIN CALLAWAY Vice president, financial advisor, LPL, Central Investment Trust Co.
“Your 20s are where you can make the biggest impact on your retirement.” Jefferson City Magazine | 75
“Having all of your finances consolidated at one financial institution makes it much easier to look at your big picture.”
—Hope Gerdes, financial advisor at Edward Jones
DAN RENFROW Vice president and senior trust officer, Hawthorn Bank
“The greatest asset one has is themselves. Never stop learning. Your job is going to constantly change.” 76 | May/June 2019
the power of money,” says Dan Renfrow, vice president and senior trust officer at Hawthorn Bank. “Time is really more important than money. If you take someone and you give them $1,000, they want to take care of it. But if you give them $10, they’ll go blow it at Starbucks. Every dollar has value, even if there aren’t a bunch of zeros behind it.” Renfrow advises to revisit a financial plan every year to revise your budget and account for any big life changes. Bank and budget apps can be a great tool for those breaking into the budgeted lifestyle. “Having all of your finances consolidated at one financial institution makes it much easier to look at your big picture,” says Gerdes. “There is value in having the ability to see your checking, savings, mortgage, and credit card information in one easy website or app. It makes managing your financial life less time consuming and allows you to maximize technology to your advantage.” Both Dobbs and Gerdes
emphasized the benefits of automation. If you don’t see the amount in your account, you won’t miss it and you’ll learn to live without it.
SHORTER TERM SAVINGS AND INVESTMENTS There are other things, such as a home or children, that need more short-term planning compared to the long road to retirement. Money markets combine the benefits of both a checking and savings account and make a great emergency fund hideout. The account accumulates a higher interest rate compared to a regular savings account. Additionally, account owners have an option to withdraw money without penalty. Money markets are another option for a house down payment. Mutual funds can be a first step into longer-term investments in the stock exchange. “For people who don’t understand that much about investing, mutual funds are a great option,” says Gerdes. “They’re well diversified. They’re professionally managed for you. The expenses are low.” The idea is that one mutually agrees with a group of other people to combine your financial force to buy into a variety of companies. “A mutual fund has an active manager that is picking and choosing securities based on their expertise. Part of your investment is paying for that expertise,” says Callaway. The minimum amount to invest depends on where one goes to invest. No one needs to come up with $10,000 to invest in financial growth. “Many investment companies offer mutual funds with small minimum investment amounts and allow investors to make monthly additions as little as $50 per month,” says Dobbs. As the investor, one would have a singular share of many companies, which, as a 20-something, one may not be able to afford. A mutual
THE VOCAB
ASSET A financial asset is a tangible liquid asset that gets its value from a contractual claim. Cash, stocks, bonds, bank deposits, and the like are examples of financial assets. Unlike land, property, commodities or other tangible physical assets, financial assets do not necessarily have inherent physical worth.
THE VOCAB
TRADITIONAL
IRA
A traditional IRA is a way to save for retirement that gives you tax advantages. Contributions you make to a traditional IRA may be fully or partially deductible, depending on your circumstances. Generally, amounts in your traditional IRA (including earnings and gains) are not taxed until distributed.
ROTH IRA A Roth IRA is a special retirement account that you fund with post-tax income (you can’t deduct your contributions on your income taxes). Once you have done this, all future withdrawals that follow Roth IRA regulations are tax free.
fund’s internal diversification solves a potential diversification issue. Diversification maximizes return while minimizing risk by investing in multiple areas that would react differently to world events or changes. However, it’s vital to remember that risk is still involved even with the most diverse financial portfolios. “Your 20s are where you can make the biggest impact on your retirement,” says Callaway. Compound interest is the secret to a 20-something’s breezy financial freedom. Compound interest grows on the initial principal and all accumulated interest. Basically, the account holder earns interest on top of their previous interest. “Compare investing $100 per month beginning today for 20 years versus starting 10 years from now,” says Dobbs. “Assuming a 5 percent average rate of return, waiting 10 years to start investing results in having a total of $15,000 versus $40,000 if you begin today. It’s not always easy to find an extra $100 in the budget, especially when you’re just starting off, but the payoff is huge in the long run.” “If you want to build wealth, you’re not going to do it in a shortterm investment like a money market. If you’re looking at the stock market, it scares people, but it’s for long term money. It’s not for people who want to pull money out in a year or two,” says Renfrow.
MERGING FINANCES FOR THE FUTURE Are you financially compatible with someone? It’s probably not the first (or even 15th) date conversation we usually think of, but when it comes to a promising future with someone, finances are inevitable. Many people meet their partner in their 20s and 30s when their finances are still growing. The financial presence of their partner could make a huge impact — positive or negative.
“Ask how their parents were with money, how they are with money, what debts they have,” says Callaway. Trusts are usually needed down the line. Trusts are intended for higher net worth individuals or more complicated accounts. Trusts establish legal protection to the trustor’s assets. Trusts save time, reduce paperwork, and in some cases can return inheritance or estate taxes. The main reason to consider instating a trust would be to avoid probate, when the court system controls who receives what due to lack of instruction prior to someone’s passing or whether there was a child with special needs involved. However, one should probateproof all their accounts, regardless of net worth, whenever opening an account or taking on a new financial asset.
THE END IN MIND “Begin with the end in mind,” says Callaway. Callaway defines financial freedom as a level of contentment. “You’re debt free, you have money coming in from other means that are outside your normal employment to do the things in life that you want to do that are important to you,” says Callaway. “The money is working for you instead of you working for your money.” While financial plans and discipline are undoubtedly important, Renfrow makes the point for one to invest in themselves. “The greatest asset one has is themselves. Never stop learning. Your job is going to constantly change,” says Renfrow. “The more you can stay up, the more valuable you become, then you become a higher earner in the future in whatever profession. The best investment anyone can make is within themselves. Things are changing faster and faster, and you need to stay on the forefront.”
JILL DOBBS Vice president, CFP, Central Trust Company
Both Dobbs and Gerdes emphasized the benefits of automation. If you don’t see the amount in your account, you won’t miss it and you’ll learn to live without it. Jefferson City Magazine | 77
Making Sense of Investing Values of an Edward Jones Financial Advisor • We want to understand what’s most important to you • We use an established process to build personal strategies to help you reach your goals • We will partner together throughout your life to help keep you on track We believe in a thoughtful, straightforward investment philosophy - long-term investing with an emphasis on quality and diversification. All three of these elements work together. Our philosophy is one of the ways we can help you make sense of investing.
A Long-Term Strategy The market changes every day, but your financial goals probably don’t. And your investment strategy shouldn’t either. We believe a long-term strategy is the best way to build and preserve your financial security. But remember that “buy and hold” doesn’t mean “buy and ignore.” You should review your portfolio at least once a year to make sure you’re still on track to meet your financial goals. Quality After years of experience, we know that quality matters. Our Research department recommends stocks, bonds and mutual funds that we believe offer the potential for solid performance over time – through good and bad markets. That’s why we don’t
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BUSINESS PROFILE
Putting the “It” in Jefferson City Cross the threshold of U.S. Rents-It’s storefront and find anything you could need for your next party or project. by BRO OKE KOT TM A N N | photos by K E I T H BORG MEYE R
E
arthy wedding reception vignettes stand under rustic, handcrafted Pinterest-inspired displays. Large windows and chiffon drapery juxtapose ornate chandeliers. Pops of greenery accent every corner of the showroom. The possibilities for parties are endless, and imagination takes flight. Beyond is the store where a rainbow of plates, napkins, and balloons are available for purchase. In the basement is a fullservice equipment rental. Out back rests a fleet of RVs. From chainsaws to lawn mowers, anything available for rental is also for sale. If you need it, they have it. “We put the pro in your project,” Janice Houser, director of party division, says, teasing the company’s tagline. It’s only fitting that U.S. Rents-It has been an icon of Jeff City for almost 80 years.
BUSINESS PROFILE
Janice stands in the corner that Imralee originally cleaned out when she created the party center.
HUGO’S LEGACY In 1938, before the city’s housing boom, Hugo Gentges, Janice’s great uncle, opened a roofing company, U.S. and Gentges Roofing, in the same spot the U.S. Rents-It building stands today, nestled between the railroad and Highway 50. He named it after himself and his steel manufacturer, U.S. Steel. By the ’50s, construction had plateaued, and the need to repair homes replaced the urgency to build them. In 1954, a gentleman approached Hugo to ask about borrowing his hammer. “For five cents, you can rent it,” Hugo said. This was the genesis of U.S. Rents-It. Hugo added the first fleet of campers to the rentals. Then he opened a garage upstairs to service the vehicles. A moving center was onboarded. Any new services he could provide, he would. “Hugo was the leader back in the ’50s and ’60s,” Janice says “If there was a possibility, he added it.” In the mid ’60s, Hugo’s wife, Imralee, saw an untapped market: parties. She cleared out
the grease and tires from a corner of the garage and set up the party store where the presentday wedding showroom currently resides. Outside, she placed a sandwich board enticing customers: “Come, and see what’s ‘It.’” Today, U.S. Rents-It offers a full-service rental and doesn’t stray from Hugo’s hospitality. “In a world today where everything is so new, it’s nice to have something familiar,” Janice says. “I think that’s what U.S. Rents-It creates.”
MAKING THEIR MARK In January 2015, Janice and her husband, Steve, took over management of U.S. Rents-It after general manager Frank Gentges, Hugo’s son, decided to retire. Janice jumped at the opportunity to be back in Jefferson City and continue the legacy. “Jefferson City is so unique in that it’s a family community,” Janice says. “To see that a family business survives as long as it does, we’re grateful.”
BUSINESS PROFILE
Steve stands in the doorway to the original equipment shop.
“U.S. RENTS-IT IS BIG, BUT I THINK THE CORE CONCEPT OF IT IS SIMPLE.” Janice is no stranger to the industry. Her 30 years of experience, catering background, and hospitality degree only solidify that customer service is in her blood. Before Janice, the showroom was merely a grab-and-go set up. Following Imralee before her, she gave the party division a facelift. Where the large windows are, she designed wedding reception vignettes. Where there wasn’t a variety, she grew, including the inventory of fabrics, chasers, and decor. “Doesn’t matter if you’re spending two dollars here or thousands,” Janice says. Each customer gets 100 percent from the company. Janice offers free consultations, and has been known to personally drive to her client’s venue to help find misplaced items. “U.S. Rents-It is big, but I think the core concept of it is simple, which is just that the tradition and the culture that it brings to Jefferson City is something old that always has a new flair about it,” she says.
ENTREPRENEURIAL SPIRIT Janice continues to channel her family before her — Irmalee’s vision and energy for hospitality and Hugo’s entrepreneurial spirit. “We rarely say no,” she says. “We’re like the cornucopia of the renting world. We have a little bit of everything.” This is an understatement. The party division is a full-service rental. U.S. Rents-It’s team delivers, sets up and breaks down, and can be as involved as customers like them to be. The rental counter is for DIYers. The equipment rental downstairs exceeds homeowner, construction, and landscaper needs. “If we have it and you want it, you can buy it,” she says.“The future is always how you can better the experience,” she says. “I think that’s why U.S. Rents-It having the core of what Hugo believed in will help us reach for whatever is next on the horizon.” Jefferson City Magazine | 83
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CITY CHARACTER
Robert, Stephanie, and Bob in the Scruggs Lumber yard.
CITY CHARACTER
A Lasting Legacy
Bob and Stephanie Scruggs celebrate a century of building Jefferson City. by H A NNA H K IDD O O photo by K E ITH BORG MEYE R In 1919, a promising young worker and Jefferson City resident named Cliff Scruggs garnered the support of investors and purchased a local branch of the Kansas Citybased George Hope Lumber Company. When the company came up for sale, citizens hoped that the business would be headed up by an area resident. Cliff had earned his stripes and proved his skill after serving as manager at the Ott Lumber Company in town. Following the sale, the name eventually changed to Scruggs Lumber Company, and it was passed on through the generations, with ownership falling to Cliff ’s son, John, and later to John’s son, Bob. 100 years later, the Scruggs Lumber Company remains an institution. The business, now under the operation of Cliff ’s great-granddaughter, Stephanie Scruggs, serves as a one-stop construction shop filled with colorful paint and tile samples, innovative flooring options, drafting services, and other resources that can help make a house feel like a home. Stephanie’s dad, Bob Scruggs, remains an integral part of the team, though he handed over the official reins to Stephanie in 1994. Together, they stay abreast of what’s in vogue by attending trade shows, tuning in to webinars, and simply listening to their customers. The projects they see now are significantly different than the ones Cliff helped with when the city was being built or those that John took on when he inherited the company and served young GIs looking for housing after returning from WWII. The father–daughter duo notes that the rise in popularity of shows on HGTV and apps like Pinterest have changed the way people approach and think about their home spaces.
CITY CHARACTER
But, following family tradition, Stephanie says they continue to focus on quality products, helpful service, and hiring the best people. “It was instilled from Cliff to John to dad to me that our customers and our employees are the reasons that we’re still here,” Stephanie says. “We ask people how we can help.” Family roots are important to both Bob and Stephanie. A conference room at their Christy Drive location is filled with black and white photos both of the Scruggs family patriarchs and the evolution of the city skyline. Bob says he has crates of historic paperwork in the facility, including a yellowed bill of sale declaring the purchase of the company. Sometimes, area residents doing home repairs will come into the store with a piece of aged wood bearing the Scruggs’ label. Stephanie says it’s moments like that, where she gets to connect with people, that help make work fun. Despite spending hours of her childhood on the showroom floor after school, Stephanie says she never expected to be running the business. In fact, in her youth, she had fantasies of turning it into a clothing and shoe store. After college, however, came an epiphany: She wanted to be back. “You get more mature and you realize this is actually a really cool business,” Stephanie says. “It’s cool to be able to see somebody come in here and talk to my drafting department to build a house plan and then go through the process until they get the keys to move in.” She says stepping into the leader role felt intimidating at first because Bob’s shoes were hard to fill. And in a male-dominated industry, she has encountered her fair share of skepticism, but Bob contends that she’s the perfect fit for the role. “She has proven, well beyond a doubt, that she can do it,” he said. The Scruggs family name is also familiar outside of the lumber world. Cliff wasn’t just known for his business; he played a pivotal role in the growth of Lincoln University. He served on its board of curators and, at a time when housing options for African Americans were limited by racism, pushed to expand home ownership, approaching bankers to secure better mortgages for LU professors and, in turn, keep them in town. Today, a building on campus bears his name in recognition of that work. Stephanie says Cliff ’s motivation was bigger than 88 | May/June 2019
Cliff Scruggs helps customers decide on lumber. simply helping others: “He wanted Jefferson City to succeed.” In recent years, the Scruggs family and the company as a whole have continued to support a variety of area organizations, including Habitat for Humanity, the Samaritan Center, 4-H, and the Tunnels to Towers Foundation. In 2006, they were recognized by the Jefferson City Area Chamber of
Commerce as Small Business of the Year. So what does the future hold for Scruggs Lumber? Bob and Stephanie say they’ll keep striving to adapt to new technologies and hire the people who can make things happen. “We’re always going to be building houses,” says Stephanie. “We’re truly blessed that we’ve been able to keep this for 100 years.”
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by T I FFA NY S C H M I DT
T
he birth of a child is a joyous experience. But for Jefferson City native, Debora Grandison, the joy of delivering her child was coupled with what was to become a long road of obstacles and uncertainty. At 27, Debora was hospitalized as a result of preterm labor. She was given medication to halt labor, and the medication tripled her heart rate, sending her to the intensive care unit. She delivered a healthy baby boy, but upon returning home, she found herself experiencing strange symptoms, including heart palpitations, shortness of breath, arm pain, and lethargy. For the next 20 years, Debora underwent seemingly endless tests, prescription changes, and cardiac catheterizations in an effort to eliminate her symptoms. Finally, in 2008, Debora found the cause of her health issues. She was diagnosed with cardiomyopathy, a disease that makes it difficult for your heart to pump blood to the rest of your body. In addition, Debora was diagnosed with an irregular heartbeat. She also battles Type 1 diabetes, which requires her to wear an insulin pump. Debora’s diagnoses came as no surprise, as she has a long family history of heart disease, which has affected her grandparents, father, uncle, and younger brother. As a result of her diagnoses, Debora has become an advocate for understanding familial health history. She uses her health journey as a way to help others who are going through similar struggles and advises people to speak up. “Learn to advocate for yourself. Always ask questions and never feel like your questions aren’t valuable,” she says. “If you feel like you’re uncomfortable with the answers or diagnosis you’re given, then keep seeking answers.” Debora also volunteers with the American Heart Association. She, alongside millions of volunteers, works to fund
“Learn to advocate for yourself. Always ask questions and never feel like your questions aren’t valuable.” —Debora Grandison innovative research, fight for stronger public health policies, and provide lifesaving tools and information to prevent and treat heart disease. Debora continues to inspire other patients and survivors of heart disease through #NoMOHeartDisease, a statewide initiative that works to educate Missourians on changes they can make in their lives to prevent heart disease. The campaign also seeks to unify heart disease survivors.
Each month, #NoMOHeartDisease shares the story of a heart disease survivor through a video, blog, and social media, all of which can be found at heart.org/nomoheartdisease. The American Heart Association also posts about the campaign on their Missouri social media pages. Survivors are encouraged to share their heart disease stories and to interact with the initiative by using the hashtag #NoMOHeartDisease on social media. Debora is currently a national Ambassador for the American Heart Association’s Go Red for Women initiative and will be the keynote speaker at the Jefferson City Go Red for Women luncheon this September. The luncheon benefits the Circle of Red’s Go Red for Women campaign. The Circle of Red is a network of women dedicated to raising awareness about the prevalence of heart disease in women in an effort to save lives. Jefferson City Magazine | 91
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FITNESS
G
ood health can disappear in a blink of an eye due to illness, injury, or the natural progression of age. Making it a priority to take care of ourselves can be a challenge in and of itself. Many of us require significant motivation from others in order to get into and maintain an exercise routine. More often than not, activities we’re passionate about require good health. I enjoy golf as a means to get outdoors, stay active, surround myself with friends, meet and maintain business relationships, and spend time with family. I began golfing when I graduated from law school over 22 years ago. (Although some of my friends think I still look like I just began golfing.) My wife, Pam, and two kids, Alex and Grace, play golf as well. To be more accurate, Alex lives golf. Alex began golfing with me when he was about five years old. By the time he was 13, though he was one of the smallest kids on the course, it was clear he had a future in competitive golf if he chose to pursue it. It became apparent that adding strength, flexibility, and endurance to his smaller size was imperative to gaining a competitive edge. About the same time, I had stopped going to the gym due to time commitments and the lack of personal motivation. As a founding member of Call & Gentry Law Group, my career dominated my available time. Middle age had caught up with me. I was out of shape. As such, my own personal golf game suffered. But here was Alex, gunning to win the Missouri Golf Association Junior Tour as an eighth grader. Rather than become the persistent, nagging father barking, “Do as I say, not as I do,” I reached out to Scott Minor of Show Me Golf Performance. I understood that Scott was a Titleist Performance Institute-certified coach. TPI uses a thorough evaluation process and computer technology to determine your body mechanics, golf swing sequence, and balance, but we needed someone close to home to help create habits learned in TPI, someone that could dovetail with Scott’s coaching and provide additional personal training. Nick Baker was the man for the job. His slogan, “Training for life with Nick,” resonated. He focuses on the whole picture rather than just pushing weights. He listens to his clients carefully, helping them thoroughly create a plan to improve health for their personal needs. His process focuses on nutrition, physical training, mental strength, relationships, and communication. We formulated a nutrition plan coupled with a personal training plan and an accountability plan. Perfection was not necessary nor was it the goal. Initially, it was a brutal battle to get my slumbering teenager out of bed an hour earlier. My primary method of helping motivate Alex was by simply leading by example. The results? As I approach 50, I am healthier than I have ever been. Meanwhile, Alex, in a few short years, has climbed from being unranked to being the No. 4 ranked junior golfer in Missouri and No. 335 in the country for the class of 2020. He has been ranked as high as tenth in the country in the Golfweek Junior Tour. At 5 feet, 9 inches tall and 140 pounds, he can crush a drive over 300 yards. In April, Alex shot a 30 on the front nine, which tied the Helias school
Training for Life with Nick My passion for helping people become a healthier version of themselves has become my life — that’s how Training for Life started two years ago. It became obvious to me that my clients needed more from me to achieve their goals. They needed someone to be a healthy resource and help find the solutions to fit their new desired lifestyle. I started working with Chip and Alex on putting together a realistic workout routine that would support both of their goals. It’s my responsibility to help my clients set some personal goals that get them excited and to make sure they understand how valuable their new habits can be to their health and performance. My training sessions have a foundation that includes all that you need to make progress. They include the following: FUNCTIONAL MOVEMENTS Performing basic movements that are necessary for active lifestyles at all ages. STRENGTH TRAINING Focusing on each muscle group to improve strength and endurance. CORE STABILITY Creating exercises that engage the core to support posture and stability. SPORT-SPECIFIC EXERCISES Athletes must be aware of the exercises that improve performance. WHOLE FOOD NUTRITIONAL PLAN Food is fuel, and the more focused we are on making healthy choices each day, the healthier our family becomes. HEALTHY SOLUTIONS I provide my clients with healthy solutions to their shortterm and long-term goals. Learning about nutritional supplements can be challenging, which is why I help them incorporate what’s needed to get the progress they desire.
FITNESS
record. He won the tournament with a 66. Alex has won five of seven high school tournaments, leading Helias to several wins as of this writing, in early April. While my improved health and Alex’s rise in the competitive junior golf ranks are rewards in and of themselves, working out, discussing nutrition, traveling to and from tournaments, and playing together has provided the most treasured gift of all: time together. Two of my favorite quotes keep me motivated to help Alex and I continue to improve our health while we both chase our respective dreams: The first is from John Quincy Adams: “If your actions inspire others to dream more, learn more, do more, and become more, you are a leader.” The second is attributed to Aristotle: “We are what we repeatedly do. Excellence, then, is not an act, but a habit.” Inspiration and excellence. What Alex won’t realize until much later in life is that he inspires me. He drives me to excellence. I am truly blessed to be able to share this journey with him. His motivation to continue improving his health is to dominate golf courses and the competition. My motivation is to be able to walk the courses with him pain-free and with energy, watching him live his dream. 96 | May/June 2019
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FRESH
Flavor
Simplicity, freshness, and an attention to detail come together to create mouthwatering eats at JQ’s on High. by TIFFA NY SC H MIDT | photos by K E ITH BORGMEY ER
GOURMET
ive, hole in the wall, hidden gem. Located on the historic east side of downtown Jefferson City, JQ’s on High could be described as all three. Upon entering, you are immediately greeted with a full view of the grill and a friendly smile. “I always say that Q [Quinten Rice, co-owner] had the vision with no building and I had the building with no vision, and here we are now, five years later,” says co-owner John Johnson. Before approaching John, Q, a regular at The Mission, had passed by the building often. “This is an awesome little spot — you know food, hospitality, and
entertainment can usually fix some things, and so I thought this could be a great addition to the neighborhood and really complement The Mission.” The duo bonded over a love of food, cars, and music, something you can see translated throughout the restaurant. John took the reins on the décor: From the custom shadow boxes containing B.B. King’s and Alice Cooper’s guitars to the refurbished green tailgate that doubles as a table, to the Kiss memorabilia, everything was carefully thought out. “The concept of this place is food truck meets brick and mortar,” says Q. “We have a small menu. We try to just do a few things and really knock it out of the park.”
GOURMET
Jefferson City Magazine | 101
GOURMET
“We keep it simple and do it right.” 102 | May/June 2019
When John and Q first opened JQ’s, they spent an entire night in the kitchen perfecting their burger. The patty, blended with inhouse ground beef and sirloin, won the pair the title of best burger through the News Tribune shortly after. While JQ’s may be best known for their burgers smothered in cheese and JJJ sauce, a homemade favorite, the dive offers patrons a variety of other options sure to satisfy their grill fix. John used to do competition barbecuing, and as a result, he places a major emphasis on the importance of fresh product. The pulled pork is smoked fresh each day and is used for a variety of menu items. The “spudmageddon,” a giant spud filled to the brim with tender pulled pork, melted cheese, bacon, fresh chives, BBQ sauce, and sour cream, is a favorite. While Q favors the pulled pork for its versatility, John’s preference is the pork belly. But if you aren’t in the mood for barbecue, the pair agrees that the fish tacos are a customer favorite. In traditional John form, JQ’s sides are mostly homemade, including his famous baked beans, a hearty take on the classic side.
The Amish broccoli salad is a unique option — a creamy mix of broccoli, bacon, and cheese. Even the sauces are made from scratch, the standout being the JJJ sauce, named for John’s son, as he acquired the recipe for John. The sauce contains a sweet and tangy, top secret blend of 10 ingredients; Q doesn’t even have the recipe, only John knows its contents. JQ’s also makes their tartar sauce, buffalo sauce, habanero mango wing sauce, and blue cheese. For the items they can’t make in house, John and Q were careful in their selection of products. JQ’s is only one of two retailers in Missouri to offer D.a.T sauce and ketchup. The sauce is shipped in from Louisiana, chosen because it offers flavor and kick in a mild form so that every customer can enjoy it. “We want to be different, we don’t want to do the same old thing,” says John. One of the ways they continue to do this is by including the team managers in the menu decisions. “We want our employees to be able to play around,” says Q. John adds that most of the additions to the menu are usually variations of existing items. “We keep it simple and do it right,” he says. Jefferson City Magazine | 103
WHO READS Jefferson City Magazine? On a bi-monthly basis Jefferson City Magazine reaches more than 32,000 active, influential and engaged readers.
Gender 61% 39%
Age 35-44: 22% 45-54: 27% 55+: 40%
Affluent Readers Combined Household Incomes
$75-100k+ 20%
$100-200k+ 40%
$200k+ 11%
9,576 Published bi-monthly 8,167 Mailed copies 1,409 Delivered to high traffic locations 3.4 Average readers per copy 63% Keep the magazine one month or more 77% Frequently purchase products or
services from ads seen in the magazine
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ABOUT TOWN
Paint the People 5K To raise money for the United Way, the Jefferson City High School Key Club held Paint the People, a colorful take on a 5K at Binder Lake. After attendees visited the eight color stations along the 5K route, they enjoyed a dance party with La Chica Loca Burritos and Snowbiz shaved ice.
Charles Romans
Blake Halfen
Preston Childers, Gavin Walch
Sophia Bowman, Kacy Highfill
Jefferson City Magazine | 107
108 | May/June 2019
ABOUT TOWN
Luck of the Irish 5K and 10K Walkers, runners, and families participated in both a walk/run 5K and 10K run over St. Patrick’s Day weekend. Both runs began on High Street, and awards were presented to the overall male and female winner for both runners and walkers, as well as the top three Brenda Chick and Joshua Ferguson
winners across age categories.
Angela and Joe Ramsey
Diane Brandt
Scott Evans and team
Capital Arts Trivia Nite Fundraiser Capital Arts annual Trivia Nite was held at Avenue HQ on March 8. Competitions included 50/50 raffle, silent auction, mulligans, and door prizes, all benefitting Capital Arts.
Jefferson City Magazine | 109
ABOUT TOWN
Show Me Honor Charity Dinner and Auction K9s on The Front Line held their annual charity dinner and auction on Mrch 21 at the Capital Plaza Hotel. The event featured a cocktail hour, a dinner, a guest speaker, and a silent and live auction, the proceeds of which benefitted the K9s on The Front Line’s Missouri Chapter.
Christy Gardner, guest speaker
Phil Kalaf, honoree
Co-founders Hagen and Gina Blaszykl, co-founder Linda Murray, Midwest coordinator Jason Howe, and service dog, Sobee
Veterans United 110 | May/June 2019
Coleen and veteran Erik Hastings with his service dog, Ozzy
PRINT IS NOT DEAD. Magazine ads provide higher comprehension and recall than any other media. And best of all, magazines show the highest return on your advertising spend. ( p e r t he Nation al Catalin a Solu t ion s, 2016). Advertising in our magazines will yield an increase in your brand awareness, brand favorability, and purchase intent.
CONTACT US TODAY TO BEGIN THE CONVERSATION. 573 - 4 9 9 -1 8 3 0 | B u s i n e s s Ti m e s C o m p a n y.c5/21/18 o m 3:09 PM
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PROVEN SUCCESS. SATISFIED CLIENTS. Scott Hamblin is an aggressive advocate for his clients in the fields of divorce and family law, and state and federal criminal defense.
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312 E. Capitol Avenue | Jefferson City, MO 65102 | Phone: (573) 635-7166 | (573) 821-4013 www.BrydonLaw.com | www.ScottHamblinLaw.com | The choice of a lawyer is an important decision and should not be based solely upon advertisements.
SAWADDEE THAI CUISINE The best Thai food you'll find in the Capitol City area.
Visit our 2 locations! 103 E. HIGH ST. Jefferson City MO 573-893-7600 2215 MO BLVD. Jefferson City MO 573-659-8425
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112 | May/June 2019
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ADVERTISER INDEX Allyn Witt - Keller Williams Realty .......... 106
Freeman Mortuary............................................71
New Skinsations .............................................90
Anthony Porter Insurance ..............................71
Genesis Company ............................................13
Prison Brews .................................................... 89
Anytime Fitness.............................................. 98
GFI Digital ............................................................ 2
Providence Bank.............................................80
Argyle Catering ................................................ 89
Gracie Barra Jiu-Jitsu ......................................51
Q Entertainment........................................... 106
Ashley Pederson Team - Re/Max ............. 30
Green Horizon’s Garden Center ................. 66
Realty Executives - Heath Higgins.............36
Beth McGeorge Team - Re/Max................ 20
Hawthorn Bank ...............................................116
Riley Chevrolet, Buick, GMC, Cadillac .......28
BMW of Columbia ............................................12
Heisinger Bluffs & St. Joseph’s Bluffs.....108
Riley Toyota .......................................................28
Boone Hospital ..................................................8 Boys & Girls Club of the Capital City.........52 Burns Optical ....................................................97
Helias Catholic................................................. 50 Helias Foundation .......................................... 50 Jason A. Dunville, D.D.S.
River Region Credit Union ..............................4 Samuel’s Tuxedos ...........................................53 Sawaddee Thai Cuisine ................................ 112
General Dentistry..............................................17 Scott Hamblin ................................................. 112
Busch’s Florist ...................................................51 JC Total Health .................................................92
Scruggs Lumber ................................................. 3
Capital Dentistry for Children ..................... 48 JCMG ........................................................ 32 & 115 Capital Region ................................................. 84 Capitol Eye Care Inc........................................22 Carrie’s Hallmark..............................................97 Carson & Coil ...........................................11 & 60 Central Bank ...................................... 7, 38 & 85 Central Trust Company ............................... 104 Council for Drug Free Youth .........................97
Shannon Block Construction LLC ..............59 Jefferson Bank of Missouri ........................... 10 Jefferson City Coca-Cola Bottling Co. ......26 Kwik Kar Wash and Detail ...........................103 LaBelle Cabinetry & Lighting .....................105 Legends Bank .................................................. 46 Marshall and Co ...............................................38 Martellaro Marble and Granite.................... 98
Spectators..........................................................92 SSM Health ..........................................................6 Studio 573..........................................................53 Telle Tire & Auto Center ...................................9 The Blue Diamond .......................................... 111 The District ....................................................... 54 US Rents-It....................................................... 54
Courtyard Early Learning Center................ 49
Mercedes of Columbia ................................... 14
Deline Holdings .................................................18
Merrill Lynch/Gregg Lippert ........................ 70
Vandelicht’s Jewelers .....................................59
Designer Kitchens & Baths .........................108
Mid America Bank ...........................................72
Wallstreet Group ............................................105
Designs By Tina, LLC..................................... 66
Mid MO Telecom & Security, LLC................53
Wayne Bernskoetter Contruction .............. 44
Edward Jones .........................................78 & 79
Midwest Block & Brick ...................................85
Women’s Wellness Center .............................15
Elite Performing Arts ..................................... 48
Missouri Department of Conservation ......19
Wonders of Wildlife ......................................... 16
Fischer Body Shop ......................................... 24
My Sister’s Circus............................................80
Woodman Engineering Co........................... 46
Frank Schrimpf Plumbing............................ 66
Naught Naught Insurance Agency ............. 111
Xtreme Body & Paint........................................ 5 Jefferson City Magazine | 113
CITY TREASURES
A Penny-Farthing for Your Thoughts
View the first and oldest bicycle ever ridden in Jefferson City at the Cole County Historical Museum. story and photos provided by T H E C OL E C OUN T Y H ISTORIC A L SO C IETY
I
f you are looking for the charm of a century gone by, the Cole County Historical Society Museum offers an interesting glimpse into the late Victorian Era. You can look back to the 1880s and view the first and oldest bicycle ridden in Jefferson City. This bicycle was owned and ridden by Mr. Otis Manchester Sr. in 1881 and was made in 1870 by the Coventry Sewing Machine Company, the central figure of the British bicycle industry. Although the bicycle was called an “ordinary or high wheeler,” it is far from being ordinary and has a unique appearance. An ordinary, more widely known as a penny-farthing, is a type of bicycle with an extremely large front wheel and a much smaller rear wheel. The name came from the British penny and farthing coins in circulation at the time, of which the former was much larger than the latter. The first penny-farthing was invented by British engineer James Starley. The penny-farthing came after the development of the hobbyhorse and the French velocipede or boneshaker, all versions of early bikes. However, the penny-farthing was the first really efficient bicycle, with a simple tubular frame, tires of solid rubber, and plain bearings for pedals, steering, and wheels. The penny-farthing used a larger wheel than the velocipede, thus giving the rider higher speeds and a smoother ride. Mounting the bicycle required skill. The rider first grasped the handlebar and placed one foot on a peg above the back wheel. Then the rider scooted the bicycle forward to gain momentum and quickly jumped up onto the seat while continuing to steer the bicycle and maintain balance. To stop, the rider pressed back on the pedals while applying a spoonshaped brake pressing the tire. A distinct attribute of the penny-farthing is that the rider sat nearly over the front axle. When the wheel struck rocks and ruts, or came under hard braking, the rider could be pitched forward off the bicycle head-first. “Headers” were relatively common and posed a significant and sometimes fatal hazard. Riders coasting down hills often took their feet off the pedals and put them over the tops of the handlebars, so they would be pitched off feet-first instead of head-first. Penny-farthing bicycles were very fashionable in the United Kingdom and the United States from the 114 | May/June 2019
mid-1870s through the early 1890s. Even though these bicycles were hard to mount, tricky to ride, and resulted in many injuries, they became very popular in urban areas, where they were driven mostly by well-to-do men who had enough money for such an extravagant form of transportation. Because of the high-class appeal of the penny-farthing, this bicycle was responsible for the earliest examples of cycling as a recreational pastime. Although the trend was short-lived, the pennyfarthing became a symbol of the late Victorian era. The penny-farthing was the first machine to be called a “bicycle” and was the forerunner of the modern bicycle. Today, hobbyists still ride restored pennyfarthings, and a few manufacturers build new ones. The penny-farthing is only one of the many artifacts, records, and documents on display for public viewing at the Cole County Historical Society and Museum, located at 109 Madison St. in Jefferson City. Walk-in tours for groups of 10 or fewer are available Tuesday through Saturday from 1:00 to 3:00 p.m. or Monday through Friday from 10:00 a.m. to 3:30 p.m. for larger groups.
An 1882 Queen Victoria penny and an 1886 farthing were donated to the CCHS Historical Museum by Pam and Mark Allchorn, owners of Cycle Depot. According to Allchorn, although the name “penny-farthing” is now common to refer to the old-fashioned bicycle, it was probably not used until the bicycles themselves were nearly outdated. Also pictured below is the first and oldest bicycle ridden in Jefferson City on display at the Cole County Historical Society and Museum.
PHYSICIAN OWNED and INDEPENDENT.
you?
But what does that mean for you?
Physician-owned means the doctors caring for you at JCMG are deeply invested in their practice and in their community. It means they make Jefferson City home. JCMG physicians are part of the fabric of Mid-Missouri. JCMG physicians are entrepreneurs. They’re filled with passion for their field and compassion for the friends and neighbors they treat. JCMG physicians work hard – not for a corporate system, but for you.
Learn More: JCMG.org/First