Limitless Magazine April 2022

LIMITLESS

For the Lake Norman area’s 55+ adults who place no limits on living their best lives!

APRIL 2022

C E L E B R AT I N G YEARS

Y

The McIntosh Law Firm Top Quality, Local Legal Advice

EARS

Make Room

For Spring

Gorgeous spot

for a splendid lunch

Lawn Care Tips

for Beginners

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r o f y d a e R ? g n i r Sp Protect Your Family and Assets With a Comprehensive Plan Of Insurance Coverage Thank You for Trusting Us to Protect You and Your Loved Ones Every Day of the Year

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CONTENTS April 2022 | vol. 3 | No.4

Today’s Topic 10 Make Room for Spring 12 Is it Time to Review Your Estate Planning Documents?

Cover Story 16 Top Quality, Local Legal Advice

The McIntosh Law Firm fits Lake Norman

Tasty Bits In Every Issue 14 A Moment In Time

About the Cover:

Meet the staff at The McIntosh Law Firm Photo by Lisa Crates

In My Glass 22 Gorgeous spot for a splendid lunch

Castries, Saint Lucia, is a great destination for a little culinary exploration.

Tee Time 24 Golf Spring Cleaning

Lush Landscapes 26 Lawn Care Tips Tips for Beginners

Know the best grasses for your region

18 Spring Vegetable Orzo with Sea Bass

20 Creamy Asparagus Soup

28 Limitless Learning –

What’s Brewing 30 Flying V West Coast IPA King Canary Brewing

Learn from the Experts

18 » Fresh Food for Spring

22 » Lucious St. Lucia

26 » Get Ready to Mow

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LimitlessMagOnline.com | April 2022

Limitless Magazine is a 12-times a year publication available through direct-mail home delivery to the most affluent Iredell County residents. It also is available at area Harris Teeter supermarkets, as well as various Chambers of Commerce, real estate offices and specialty businesses.

The entire contents of this publication are protected under copyright. Unauthorized use of any editorial or advertising content in any form is strictly prohibited. Limitless Magazine magazine is wholly owned by Oasis Magazines, Inc.

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today’s TOPIC

Make Room for

SPRING

H

ow about removing some clutter from your home to make room for spring? A spring clearing could help you enjoy the new season with renewed energy for fun, less stress and more convenience. We asked two local experts for some motivation and tips for sorting through your stuff, and making your home work better for you.

Cindy Greer is the owner of Transition With Care, an A+ Accredited senior move management company.

“We think it’s important to make room for spring year round!” Greer said. “We are routinely preparing our clients for relocation to smaller houses, 55+ communities, and retirement communities in the Charlotte and Lake Norman area.” Greer notes that with the real estate market as hot as it is, people need to have a handle on their stuff if the home sells quickly. “We see homes selling within days, which really accelerates the transition process” Greer said.

Beyond the practical side of being prepared for a move, decluttering can have emotional benefits. “We work with a lot of empty nesters and see firsthand how the physical and emotional weight of our clients belongings lifts as we help them make sense of their stuff,” Greer said. “Whether you are making a move or not, we think it’s never too early OR too late to create that fresh spring feeling by decluttering your home. Donating to charity can be a very gratifying way to do this.”

10 LimitlessMagOnline.com | April 2022

BY » Peter Eisenhauer

Kim Wilhelm, owner of File the Pile, in Huntersville, agrees that spring is a great time for clearing things out.

“For one thing, in April, after you have done your taxes, it’s a good time to file away all the past year’s paperwork.”

The changing season also means you are going to be spending more time outdoors, Wilhelm points out, so it is a good time to tackle the garage. “Take an inventory of what’s in your garage,” Wilhelm said. “Put like items with like, sorting out what belongs to garden work, sports equipment, automobile.”

Set aside anything that needs repair or replacement. Check if that fertilizer or seed is still good. Throw out the old, get new. For the items you still want and need, the next task is to “find a home for them.” That can mean putting things on shelves, whether built in wallmounted units, or the free-standing five-shelf system which you can buy from a home improvement store. It is often best to have garden tools hanging on wall hooks. Smaller items should be kept containers. “Put what you can in clear containers and label them,” Wilhelm advises. “You don’t have to get a fancy label-maker,” she said,”Just tape and a sharpie will do.”

Back in the house you might want to start with clothes. You’re going to be putting winter clothes away, so, again, Wilhelm says, take stock. Put like items together. How about all those sweaters? Any that are worn out?

Maybe you didn’t wear one of them for a few seasons. “Why store things

you’re not going to use?” Wilhelm asks.

“Did I wear this? Does it not bring me joy anymore? Then it’s time to sell or give it to someone else.” Look for duplicates, too. You don’t really need ten plain white t-shirts. If they are in good condition you can donate them or cut them up for use as cleaning rags.

Clothes should also be stored in clear containers where possible.

Wilhelm approves of the new trend to use velvet hangers. “They are very popular for a reason,” she said. “Clothes don’t slide on them. They don’t dig into the sleeves. And they are more compact -- you can fit many more clothes in the same space.” Wilhelm recommends organizing the closet by types of clothes and using dividers between sections on a rack. These can be labeled to make it easier to find things and put them back in the right place.

Regarding footwear, Wilhelm says toss those old shoe boxes. You are better off using clear containers for those seldom-worn party shoes, and a wooden or cloth divider on the wall to keep your other shoes off the floor.

A hanging shoe divider near the front door is also a good idea. What about the sock drawer? Separate winter socks from spring socks. Throw out socks with holes and those sad single socks that have somehow lost their partners.

Use drawer dividers. Wilhelm likes the honeycomb style dividers for socks, you don’t even have to fold the pair, just poke one end of the pair of socks into a cell.

Your pantry is another area to look at. Take your inventory, dispose of expired goods, and consider donating duplicates that you won’t be able to use before their expiry dates.

When organizing kitchen and pantry, Wilhelm says, it is best to keep the items used most often at eye-level, whereas that heavy mixer can go on a bottom or top shelf.

Finding a home for everything is important. And the junk drawer is not the answer, though Wilhelm says “Those are a lot of fun to clean out.” The process again is to empty the drawer, sort like with like, and find a home for the items. You don’t have to spend money on containers, either, you can often repurpose things like a cellphone box.

Wilhelm and Greer both point out that getting organized feels good, but the greatest gift to your future self is to maintain that organization.

Greer says “making this activity more of a routine part of life can take the drudgery out of decluttering.”

She advises that certain areas are especially prone to expanding year by year: bookshelves, closets (clothing, coat & linen), china and kitchen cabinets. “Don’t overwhelm yourself,” Greer said. “Just take it room by room. If something is broken -- toss it! If you haven’t read, worn or used items in the last 2-3 years, consider donating them to a local charity, church, school or animal shelter.”

Keep a heavy duty trash bag in your closet year round for clothing donation, Greer advises. And keep a plastic bin in your garage for donation of bulky items. That way, once you decide to donate something, it has a place to go.

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LimitlessMagOnline.com | April 2022 11

today’s TOPIC

Is it Time to Review Your Estate Planning Documents?

W

hen should you review your will, trusts and other estate planning documents? And what should you be looking out for?

“I advise clients that anytime there is a major life change such as a marriage or divorce, the birth or adoption of a child, always look at their estate planning documents,” says Danielle Feller, a family law attorney working in the Statesville office of Daly Family Law. You should also have a review if you have moved from out of state. Outside of such events it is also a good habit to check the documents every few years to see that everything is in order and ask yourself “is that what I still want.” Feller warns that “if you do not tell your loved ones what you want to happen to your estate, the state will tell them.”

People assume that if they die without a will everything will go to their spouse so there is nothing to worry about. However that is not always the case.

Estate planning documents comprise: your will, trusts, health-care power of attorney, durable power of attorney for finances, living will (advance directive). When you are setting up or reviewing these instruments, experts also recommend looking at insurance policies and any financial accounts that have beneficiary designations. Feller said she recommends that clients with larger estates also consult with a financial planner or CPA to review the documents for their tax implications.

In addition to making sure our estate is settled according to our preferences, another goal many of us share is to make the process as simple as possible for our loved ones. In addition to making sure your documents are in order, Feller also advises putting as much of your estate as possible in non-probate assets such as insurance policies, accounts that have a beneficiary designation. Joint accounts with survivorship, P.O.D. bank accounts, or living trusts.

A revocable living trust is a way to assign all your assets to a vehicle that is not subject to probate, but settled according to the preferences stated when

12 LimitlessMagOnline.com | April 2022

BY » Peter Eisenhauer

set up. For those who have a living trust, Feller advises them to be sure that their will has a provision stating that any new assets should be assigned to the trust.

This is called a “pour-over will.”

If you find you want to make adjustments, minor changes to a trust can be made with an amendment, and small changes to a will can be made with a codicil. But Feller warns that if there are extensive or numerous changes, it is better to avoid future confusion by replacing the whole document.

Feller advises people who have moved to the area from out of state to make sure your estate planning documents qualify in North Carolina.

Along with making sure your will meets all technical requirements in this state it is also best to register new Power of Attorney documents, since banks and other institutions are not required to accept designations from out of state documents.

“Little details can trip you up,” says Amy Shue Isaacs, an attorney with the McIntosh Law Firm, in Davidson.

Isaacs works to make sure the process is painless for clients, but stresses the need to make sure estate planning documents meet technical requirements. This is particularly true for people who written their own wills with forms available online. “The substance of the will may be fine, but there are details that need to be done correctly,” Isaacs said. Naming the executor of the will is important, as is the requirement for two notarized witnesses.

The goal is to have a “self-proving will” that won’t meet any obstacles when it is offered for probate.

Isaacs notes that the witness requirement can be a problem. She has seen cases where somebody had taken their will to be notarized at a UPS store for example and just asked two other customers who happened to be in the store to sign as witnesses. When questions arose later, nobody knew where to find them. “You may have paid zero dollars for the will, but if an attorney has to spend four hours tracking down the document witnesses, there have been

no savings to the estate,” Isaacs said. “It is most often most cost effective to make sure the documents are done correctly to save time and expense later.”

Another tip Isaacs shared is to make sure you and your loved ones know where the original copies of all the documents are. But please not in an extra-creative “safe place” that nobody would ever think to look later on. “Out of sight is out of mind,” she said. “We can forget ourselves where we might have stashed something, and family later on would have no idea. You don’t need to hide your will, just keep it safe.” A safe in the home, or a filing cabinet in the home office are best. Some law firms will keep the original at their offices. In that case it is best to have a copy at home stamped with the information that the original is with the attorneys.

Isaacs also stresses the power and the importance of beneficiary designations on life insurance policies, and retirement accounts, such as a 401k.

The designations typically list a primary beneficiary and a successor. These assets are kept out of probate and beneficiary simply has to send the death certificate to get the distribution. Because the designations supersede anything in the will it is very important to keep them updated. Isaacs says it is not at all uncommon for people who have divorced to inadvertently leave a former spouse on a beneficiary designation. That can be an unpleasant surprise for the surviving current spouse.

Changes in tax law might be another reason to review estate planning documents, especially for those with larger estates. Isaacs notes for example that, barring future changes, the current estate tax limit of $12 million will revert to the earlier $5 million limit in 2025.

Trusts also need to be updated to reflect life changes and protect estate assets from creditors or divorcing spouses of adult children, Isaacs said.

“As life changes, make adjustments to make your estate planning documents continue to work for you,” Isaacs recommends.

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LimitlessMagOnline.com | April 2022 13

a moment in time

April BY » Mickey Dunaway

Spring is a time of renewal. Seemingly dead plants spring to life.

Bears emerge from hibernation. Deer give birth to fragile spottedfawns. Crocuses break ground with the first warmth of March to give us hope of more sunny days ahead. Yet wise gardeners tell us that April is seldom without a few frosty mornings. I have ignored their wisdom on occasion only to plant my garden a second time. This month’s Moment in Time is devoted to significant April birthdays— mostly positive but a few frosty ones, too.

2, 1947 Emmy Lou Harris

5, 1856 Booker T. Washington

One of the purest voices in all of country music. Born in Birmingham, Alabama.

Principal of Tuskegee Institute in Tuskegee, Alabama

3, 1924 Marlon Brando

5, 1916 Gregory Peck

“I’m gonna make him an offer he can’t refuse”— Portraying Don Vito Corleone in The Godfather.

3, 1934 Jane Goodall

“Surely, we do not want to live in a world without the great apes, our closest living relatives in the animal kingdom?

4, 1913 Muddy Waters

American actor most famous as Atticus Finch in To Kill a Mockingbird.

13, 1909 Eudora Welty

4, 1928 Maya Angelou

14 LimitlessMagOnline.com | April 2022

A “funnyman” who was always funny.

6, 1928 James Watson

Starred in the 1960 film, “Inherit the Wind” — the story of the Scopes Monkey Trial where the teaching of evolution was put to the test.

6, 1892 Lowell Thomas

Served as Chairman of Joint Chiefs, Secretary of State, and National Security Advisor.

12, 1947 David Letterman

13, 1743 Thomas Jefferson

Co-winner of Nobel Prize for Medicine for discovering the double helix structure of DNA

5, 1937 Colin Powell

Writer of a series of novels of political intrigue beginning with The Hunt for Red October.

5, 1900 Spencer Tracey

The great blue singer was born Issaquena County, Mississippi.

Arguably the greatest poet of our times

12, 1947 Tom Clancy

Perhaps the first great news reporter to gain fame for his reporting

7, 1915 Billie Holliday

Known as “Lady Day” became famous as a jazz and pop singer.

Writer of the Declaration of Independence. Now might be a good time to go back and read his words of wisdom.

Recognized as one the South’s greatest writers. Born in Jackson, MS.

14, 1932 Loretta Lynn

Born in Butcher Hollow, KY. The singer of 24 number one country songs.

15, 1452 Leonardo da Vinci

A renaissance painter, draughtsman, engineer, scientist, theorist, sculptor, and architect. Painter of Mona Lisa and the Last Supper.

16, 1947 Kareem Abdul-Jabbar

One of the two or three greatest basketball players of any era.

18, 1857 Clarence Darrow

A prominent attorney in the Leopold and Loeb murder trial and the Scopes Monkey trial.

20, 1889 Adolph Hitler

The most infamous war criminal of the 20th Century.

21, 1926 Queen Elizabeth II

Queen at 25, she is recognized for her positive effect on her citizens’ morale during WWII and most recently during the COVID 19 Pandemic.

22, 1870 Vladimir Lenin

Interestingly, Lenin is an alias. His given name is Vladimir Ilyich Ulyanov.

23, 1936 Roy Orbison

Orbison’s high tenor voice and his unique

writing talents propelled him to Rock and Roll stardom.

24, 1905 Robert Penn Warren

Born in Guthrie, KY, Warren won the Pulitzer Prize for the novel, All the Kings Men, thought to be loosely based on Louisiana Senator, Huey P. Long.

26, 1564 William Shakespeare

I am guessing that most readers can cite at least one quote by this genius of the written and spoken word.

27, 1822 Ulysses S. Grant

29, 1899 Duke Ellington

Jazz composer, pianist, and band leader. Famous for many songs but none more that “Take the A -Train” and “Mood Indigo.”

29, 1933 Willie Nelson

Known first as a songwriter, but most famous as a country singer and philanthropist.

••••••••••••••••••••••••••••••••••••••••••••

Commanding general of Union forces in the Civil War. Held the country together after the disastrous reconstruction policies of his predecessor Andrew Johnson

“Behold, my friends, the spring is

28, 1926 Harper Lee

shall soon see the results of their

Born in Monroeville, AL, she is the author of the novel, To Kill a Mockingbird.

come; the earth has gladly received the embraces of the sun, and we

love.” — Sitting Bull •••••••••••••••••••••••••••••••••••••••••••• LimitlessMagOnline.com | April 2022 15

cover STORY

Top Quality, Local Legal Advice The McIntosh Law Firm fits Lake Norman

D

BY » Jeff Winke | PHOTOGRAPHY BY » Lisa Crates

edicated to fostering an environment in which families, businesses, and the community at large can prosper is how The McIntosh Law Firm describes itself. Based in Davidson, the company is a general-purpose law firm with areas of practice focusing on business & corporate law, litigation, trademark, copyright, branding, commercial real estate law, community association law, divorce & family law, 16 LimitlessMagOnline.com | April 2022

personal injury, wills, trusts, estate planning & probate.

As they say in their website description: “It is not necessary to drive to Charlotte to get top-quality legal advice. You have a team of experienced and knowledgeable professionals right here in the Lake Norman area.”

Collectively with more than a dozen attorneys on hand, the firm is said to offer insight based on 200 years of combined experience.

“The three most active practice areas for our firm would be Estate Planning & Administration, Litigation, and Business Law/Commercial Real Estate,” stated Angela Swett, director of marketing, client & community relations for The McIntosh Law Firm. “When you consider that with baby boomers the largest transfer of wealth in human history has been taking place for nearly 10 years and will likely continue for an additional 15. Each of the above

“A good attorney will listen carefully to your objectives, ask specific questions, and guide you on the best path to meet those objectives.”

Chris Gelwicks, HOA & Litigation Attorney

practice areas are affected and fed by this social dynamic.”

Unfortunately, lawyers suffer from an image problem.

Swett said, “The biggest misconceptions about hiring an attorney include: (1) I do not need an attorney. I can do it myself online, (2) Attorneys cost too much. I cannot afford one, and (3) All attorneys are greedy, self-serving, and devoid of any redeeming qualities.

“When you use an attorney, their primary concern is the client ... you!

They look to your best interest and their duties are to you and ONLY you. The best resolution for your particular case is unique to you, not something that seemed to work the last time they saw this problem. Their recommendation should reflect what you, the client, want and need. You only get that attention when you retain your own attorney to look out for your best interest and there is no substitute.”

The thinking is that the security and peace of mind is in knowing that all of the reasonable steps available and necessary to protect one’s interests,

Louise Paglen, Elder Law Attorney

Jeff Gray, Commercial Real Estate Attorney

comes only by asking an attorney who knows. The cost for that advice could pale in comparison to the “clean-up” cost should random information pulled from the internet prove to be unreliable, or even... wrong. “An ounce of prevention is worth a pound of cure” is the thinking.

For anyone in the 55 or older age bracket, there are situations that can arise where an attorney’s counsel can be beneficial.

Probate Attorney, Amy Issacs states “An estate planning attorney’s counsel can benefit in the following situations: (1) Estate/business succession/ management planning (2) Asset protection (3) Enacting how a person/ family chooses to age in relation to their assets It can boil down to the big question: What legacy will I leave behind?”

“Picking an experienced attorney with whom you can build a relationship is key,” Swett said. “A good attorney will listen carefully to your objectives, ask specific questions, and guide you on the best path to meet those objectives.”

It is clear that everyone needs to know an attorney who knows them and

can be available as needs arise. Or as Swett refined the statement: “Everyone can benefit from knowing an attorney to whom they can turn for legal questions, including timely referrals.”

By their admission, The McIntosh Law Firm has enjoyed being and growing in the heart of the Lake Norman area. The firm is celebrating its 25th year and three members of the company have been there all 25 years.

Despite the Lake Norman area’s rapid growth, long-time residents are quick to point out that the community has retained a distinctly local flavor, including a genuine caring for others.

No matter how much the area grows, the hope is that the community will continue to embrace one another with the same caring nature and respect that sets Lake Norman apart.

The McIntosh Law Firm The Historic Davidson Cotton Mill 209 Delburg Street, Suite 203 Davidson, NC 28036 TheMcIntoshLawFirm.com 704-892-1699

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LimitlessMagOnline.com | April 2022 17

tasty BITS

Vibrant Spring Green

Vibrant Spring Green vegetables are here! Crisp asparagus, tender greens, tasty spring peas, crunchy leeks, earthy spring mushrooms, spring onions, new potatoes, tarragon and dill… all will be coming into their peak of flavor soon!

Here are 2 simple recipes to help you celebrate this beautiful new season and spring your plates forward with nature’s fresh spring green vegetables!

Spring Vegetable Orzo with Sea Bass Servings: 4 Prep time: 10 minutes Cooking time: 25 minutes

This simple, Greek-inspired recipe features orzo, spinach, scallions and fresh herbs. It is light, but satisfying thanks to all those vegetables.

Orzo pasta makes this dish as appealing as risotto, but without all the stirring! Zesty feta cheese gives it creaminess and tang, while herbs & lemon zest brighten up the flavors. The orzo and vegetables could make a complete meal on its own, or it makes the perfect complement to roasted fish, such as Sea Bass.

Ingredients

2 tablespoons unsalted butter (or olive oil) 4 large scallions, thinly sliced 2 garlic cloves, minced 5 ounces baby spinach leaves (5 cups), coarsely chopped 1 teaspoon kosher salt 1 ¾ cups low-sodium chicken or vegetable stock 1 cup orzo 1 teaspoon finely grated lemon zest ( from 1 lemon) ½ cup crumbled feta, plus more for garnish ½ cup frozen peas, thawed (optional) 1/2 cup chopped fresh dill or flat-leaf parsley 1/2 cup pine nuts, toasted (optional) 2 tablespoons olive oil 4 sea bass fillets (approx. 4 oz. each)

Directions

Kathy Dicken lives in Huntersville and is the author of the food blog, The Tasty Bits. For more meal ideas that are simple and delicious, you can follow her blog at www.thetastybits.com or on Instagram @thetastybits.

18 LimitlessMagOnline.com | April 2022

Preheat the oven to 350 degrees. Melt butter in a large skillet over Medium heat. Stir in about three-quarters of the scallions (reserving green parts for garnish) and garlic, and cook until softened, stirring frequently, about 3 minutes.

Stir in stock and bring to a simmer. Stir in orzo and a sprinkle of lemon zest. Cover and simmer over Medium-low heat until most of the liquid is absorbed, about 10 minutes, stirring occasionally.

Add chopped spinach, adding in batches if it doesn’t all fit in the pan at once, and 1 teaspoon salt. Continue to cook, while stirring, until spinach is wilted, about 3 minutes. (Note: Add a splash of water if needed, to get the spinach incorporated.)

While orzo cooks, heat 1 tablespoon of olive oil in a separate skillet. Brush sea bass fillets with 1 tablespoon oil, and season both sides with salt & pepper. When the pan is hot, add fillets and sauté until browned, approximately 2 minutes each side. Finish cooking in the oven (top rack) for about 10 minutes.

Finally, stir crumbled feta and peas (if using) into orzo, cover the pan, and cook for another 1 minute, to finish cooking and warm the peas. To serve, sprinkle orzo with chopped parsley, lemon zest, more feta and the reserved scallions, alongside sea bass. Finish the dish off with a squeeze of lemon.

tasty BITS

Soup for Spring!

This Creamy Asparagus Soup recipe is such a wonderful combination of flavors. Leeks and tarragon combine with the asparagus to create such a bright, fresh flavor profile. The soup is lightened up and made “creamy” with potatoes and a little sour cream, so it’s not overly rich, rather, just rich enough. This simple soup is elegant enough for spring gatherings, yet easy enough for weeknight meals. Perfect as a first course, or makes a lovely lunch with crusty bread and a crisp white wine.

Creamy Asparagus Soup Servings: 6 Prep time: 20 minutes Cooking time: 30 minutes

Ingredients

1 large white or yellow onion, diced 2 medium leeks, split lengthwise, washed, thinly sliced (trim off roots & coarse dark green parts) 2 tablespoons olive oil 3 cloves garlic- minced ½ pound yellow, yukon or white potatoes - peeled & diced 6 cups vegetable stock (low-sodium) ¼ teaspoon white pepper 1 teaspoon kosher salt 2 lbs. chopped fresh asparagus (approx 2 lbs to start, then trim the tough ends off) Note: reserve a few tips for garnish 2–3 tablespoons fresh tarragon 1/4 cup fresh basil or Italian parsley ½ cup sour cream (Not non-fat, does not blend well)

Directions

In a large stock pot, saute onion and leeks in 2 tablespoons of oil over Medium heat, for 2 minutes, stirring constantly. Turn heat to Medium-low and continue cooking until softened, about 3 minutes. Add garlic and saute for 1 more minute, until garlic becomes fragrant.

Add vegetable stock, salt and pepper, and diced potatoes, and bring to a boil. Cover, simmer on low 15-20 minutes until potatoes are fork tender.

Add asparagus, turn heat up and return to a boil, and cook for 2-3 minutes, until tender yet vibrant green. Don’t overcook or you will lose the lovely color. Remove from heat and let cool a bit.

In batches, carefully blend soup in a hi-speed blender until creamy and very smooth, adding in the herbs. The herbs will give it this glorious color. Blend really well, so there are very few specks of herbs.

Return to the stove and reheat gently (do not boil, or you will lose the lovely color). Whisk in ½ cup sour cream, if using. Season with salt & pepper to taste.

Serve warm with a swirl of sour cream if you like, blanched asparagus tips, and fresh tarragon or chives.

20 LimitlessMagOnline.com | April 2022

Creating Lifestyles, Building LegaciesTM Fee-Based Comprehensive Financial Planning ❖ Wealth Accumulation ❖ Wealth Preservation ❖ Retirment Planning ❖ Estate Planning ❖ Long Term Care ❖ Life Insurance Planning ❖ Medicare Planning

John Balcerzak, CFP®

Shauntae Funkhouser

Medicare Benefits Coordinator 704.897.0267 www.A4MedicareSolutions.com

LKN Financial Center | 16140 Northcross Drive| Huntersville, NC 28078 toll free: 1.888.949.7475 | local: 704.509.1141 | www.A4Wealth.com Investment Advisory Services offered through A4 Wealth Advisors LLC. Insurance services offered through A4 Insurance Solutions.

LimitlessMagOnline.com | April 2022 21

in my GLASS

Gorgeous spot for a splendid lunch

A tasty dish and a spectacular view

Castries, Saint Lucia, is a great destination for a little culinary exploration.

I

BY » Trevor Burton | PHOTOGRAPHY BY » Trevor Burton

n the Caribbean, with just a little digging, you can come up with some, off-the-beaten-path locations that are off the normal tourist routes and that serve up some exquisite and local cuisine. Not rum bars and tee shirts but bistro-like havens from all that. That’s what we came up with on our last visit to Saint Lucia, the Pink Plantation.

The Pink Plantation is a little way out of the capital, Castries. Getting there is its own adventure. You head up a very steep, very narrow, very curvy road.

You have to be extra careful on the tight bends, a truck might be headed right at you. Actually, the steep road is part of the Pink Plantation’s attraction.

The restaurant is situated high above the town and the bay and boasts a spectacular view.

After an “interesting” ride you arrive at a narrow gate and go onto the property. Vehicular pandemonium turns to lush tranquility. Welcoming is just one of the attributes you enjoy at the Pink Plantation. Because of COVID 22 LimitlessMagOnline.com | April 2022

restrictions, we arrived way before our lunch reservation. This turned into a great opportunity. One of the restaurant owners suggested that we take a tour of the property’s vast gardens and introduced us to the gardener, Chris.

A home run. Chris used to be a guide in the island’s rain forests and knew a thing or two about plants. In fact, we found out that he had planted a fair amount of the garden, himself. We had an exclusive and informed half hour wandering around this awesome place.

Then we went from welcoming to accommodating. The restaurant opened its kitchen early, just for us.

That turned out to have several side benefits. Because we were early, we were the only diners in the restaurant.

As well as really attentive service, we were treated to what I thought was the prime table. Wow, what a view.

We looked out beyond the lush foliage down onto the town of Castries and its bay. Out in the distance, through the haze, we could see the island of Martinique. And, as if by magic, there was a short rain storm. After the

rainstorm, all of the foliage glistened in the sunshine. Spectacular.

Add to that, the fact that we were in for a great lunch. In the Caribbean I inevitably head in the direction of the fish-of-the-day. It’s generally local and freshly caught. The selection that day at Pink Plantation was a serving of grilled Mahi-Mahi along with rice and a salad.

There’s no local wine in the Caribbean, its more likely to be local rums. I opted for a glass of Sauvignon Blanc and followed that with a Cabernet Sauvignon, both from California. My wife sipped on orange juice, I went with fermented grape juice. This was a captivating moment. An absolutely stunning view, a well prepared dish and a glass of wine to go along with them.

As we were well into our lunch, other guests started wandering in. I’m sure they were in for a great experience but it’s hard to believe that it could ever match ours. We’ve spent a good bit of time in Saint Lucia. It’s a spectacular place. I’m sure we’ll be back and I’m sure that the Pink Plantation is high on our destination list.

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tee TIME

Golf

Spring Cleaning W

ith spring just around the corner it’s time for some spring cleaning! It’s time to get both your gear and your body ready to move and play. Below are some items to help get you golf-ready coming out of winter that will benefit your performance on the course while not breaking the bank.

Golf Bag Refresh:

• Slide on a new glove. You want to make sure the glove material is in good shape to ensure a solid grip in addition to having the correct fit. No need to use a glove with a few holes or a little crunch.

• Create a good grip. Clean your grips with a simple solution of hot water and Dawn dish soap. Give them a good scrub to remove the oil and dirt 24 LimitlessMagOnline.com | April 2022

from previous use.

• Get in the groove. You want your club heads to be free of debris in order to increase the breaks on the ball. All it takes is some water and a light brush like a toothbrush or a golf cleaning brush.

• Protect yourself with SPF. It will be important to protect your skin from the elements with some new sunscreen. Sunscreen does expire, and you want it to do its job correctly.

Body Movement Prep:

• Check your grip. Hand placement on the club is vital in maximizing face control and leverage. Make sure the club is placed across your hand diagonally instead of in your palm.

• Posture Check Up. Take a look in the mirror to check that you are setup for success. Simply take your stance, tilt & flex with your chest up. This will place your palms on your knees; pres-

sure will be in the balls of your feet to insure you are in the ready positon.

• Body Flexibility. Movement is your friend in golf. Stretch at home before heading to the course or arrive early enough to dynamically warm up to prevent injury.

Now get out on the course with a smile and have fun. After all, you’re playing golf !

Doug Spencer at the Spencer Golf Academy has been ranked by Golf Digest since 2015 for being one of Americas Best Young Teachers and Best Teachers by State for OH and NC. At the Academy, we enjoy helping all golfers pursue their dreams and lower their scores. Golf is a challenging game and the path to improvement is similar to the journey through life. It takes tenacity, dedication, patience and passion to see your dreams come true. Golf lessons from the Spencer Golf Academy will teach you how to manage the variables in your game. For more information, visit www.spencergolfacademy.com.

protecting our LKN community includes

»

NAVIGATING MEDICARE

Pam Powers, Assistant Benefits Consultant, looks closely at our Medicare clients’ prescriptions to determine which plan options would be best based on individual needs. Pam enjoys getting to know the clients and looks forward to speaking to them regarding plan benefits and concerns.

Medicare is not a system where one plan fits all, so she wants to find each person the right plan!

Looking at your benefits are important! The Fogle Team will research your specific lists of doctors and medications, lay out your options, and then collaborate with you to find a plan that fits your needs.

Big changes to Medicare! With more plans offering supplemental benefits like dental, vision, hearing aids, and over-the-counter coverage, Medicare plans are offering more than just medical and prescription coverage! Some plans even include non-emergency transportation, post hospital meals, and emergency response systems like Life Alert.

Pam Powers

Assistant Benefits Consultant

(704) 875-3060 foglegroup.com

With 5 years of experience, Pam specializes in monitoring plan details such as provider networks and prescription coverages as they change every year!

LimitlessMagOnline.com | April 2022 25

lush LANDSCAPES

Lawn Care Tips Know the best grasses for your region

G

rasses suited to their growing region create exceptional lawns. One benefit of seed over sod is your expanded choice of grass varieties with specific qualities, from durability to texture beneath bare feet.

Get to know your soil

When it comes to your lawn, what happens above ground reflects what’s going on underneath. Get your soil tested, so you know your starting point for essentials such as soil pH.

Fix underlying issues

Use soil test recommendations to improve your lawn’s potential. Lime, for example, restores balance to soil pH so grasses can draw on available nutrients. Hit tough spots first, and then repair bare lawn patches. If your family includes pets, you’re sure to have some pet damage. But don’t worry; healthy lawns and happy dogs can coexist.

Seed correctly

Whether seeding new areas, overseeding your lawn or thickening exist26 LimitlessMagOnline.com | April 2022

Tips for Beginners

ing grass, timing is important. Coordinate with professionals to make sure your seeding corresponds with seasonal grass growth and the best time to plant grass.

Feed your grass

Lawn grasses need proper nutrition.

Your soil test results will help determine how much nitrogen your lawn needs annually, based on its organic matter and other considerations. The numbers on fertilizer labels reveal the percentages of actual nitrogen and other nutrients products contain, so you can match the product to your needs.

Be careful to not feed too much or too often.

Manage your water wisely Lawn grasses grow best when watered deeply at less frequent intervals.

Shallow, frequent watering encourages shallow roots susceptible to drought and other stress. With good watering practices and water-conserving grass varieties, you can reduce consumption, save on bills and grow healthier, more resilient grass.

Watering and other lawn tasks

naturally vary from month to month through your seasonal lawn care calendar, but you should always accommodate what’s happening in your lawn.

Fight weeds

Even when freshly planted, lawns usually inherit weeds and weed seeds.

Weeds compete with grasses for nutrients, water and light. One lawn weed can quickly turn to more. One lawn weed can quickly turn into more.

Mow correctly

Always follow best practices for lawn mowing, and mow based on grass growth, not day of the week.

Change mowing heights gradually over several sessions. Never remove more than one-third of the blade length at a time, or you risk inhibiting good growth above and below ground. Make tasks easier and less time-consuming by using the right turf tools for the job, based on your lawn’s size and your goals.

For more information on sprucing up your outdoor space call Whispering Pines at 704-489-0100

We make senior living simple.

Our advisors help you navigate making these life decisions:

Assisted Living, Dementia Care, Independent Living & Home Care Finding senior living options can be overwhelming and confusing.

Oasis Senior Advisors is here to help. Our advisors assist seniors and families to find the senior living solution that is the right fit. www.oasissenioradvisors.com/lake-norman-nc Rebecca Harrah Questions? Contact: Christine Ogden COgden@YourOasisAdvisor.com

RHarrah@YourOasisAdvisor.com

704-343-6240 LimitlessMagOnline.com | April 2022 27

limitless learning

Am I Improving faster than my condition is worsening?

I

t’s common to seek new therapeutic options when our health is not improving or when our conditioning is progressing faster than our healthcare can help us.

Examples of progressive conditioning problems can include insomnia, memory loss and cognitive or executive decline, pain and movement problems, and a host of other symptoms directly associated with diseases and injury such as Parkinson’s, Alzheimer’s, and head trauma. And then there is plain-old aging.

If our health is worsening over time, it compromises our “health-related quality of life” or “QoL”. If your current treatments aren’t not notably improving your QoL, it may be time to seek out new therapies that are more effective at restoring your QoL. DBR Therapies (deepbrainrehabilitation.com) is an entirely novel approach to improving a person’s QoL. DBR does not treat the underlining condition or disease itself. Instead, DBR uses cold laser technology to directly focus on improving the functional health of our underlying “cells” that are causing progressive symptoms.

It is supported by hundreds of formal research studies that demonstrate the benefits of pain-free, non-invasive photobiomodulation to improve and restore tissue health, regardless of the cause(s).

DBR opens us up to a new world of high yield, low-risk therapies that can significantly improve health-related quality of life while waiting for medicine to come up with the cure.

Dr. Frank Jarrell DBR Therapies is available for improving your QoL for Sleep, Executive Function, and other complicated conditions in your area. For more information, visit www.deepbrainrehabilitation. com.

28 LimitlessMagOnline.com | April 2022

All About Guardianship

G

uardianship over a loved one may be necessary when either a disabled minor is six months from turning eighteen or an adult family member is suffering from mental health issues, serious illness or condition, impairment, or some other disability that prevents a person from managing their own affairs or make or communicate important decisions about the person’s self. In order to become guardian over an individual, you must file a petition with the Clerk of Superior Court and participate in a hearing. The Clerk must find by clear, cogent, and convincing evidence that the individual is incompetent and that a guardian should be appointed.

There are three main types of guardianships in North Carolina: 1. Guardian of the Person – power to manage the care and custody of an individual.

2. Guardian of the Estate – power to manage a person’s finances and other business matters.

3. General Guardian – has the powers of both guardian of the person and guardian of the estate.

Each case is different and it will depend on the specific facts and circumstances as to what type of guardianship is needed. The guardian appointed will depend on the specific facts as well. It may be an individual, a corporation, or a disinterested public agency.

Making the decision to have a loved one declared incompetent can be a very overwhelming. Most people feel a sense of guilt when having a loved one declared incompetent. Additionally, families may disagree as to who should be guardian over a loved one. It is important to speak to an experiences guardianship attorney who can explain the process and help you make the best decision for your family.

Danielle Feller is our lead estate and guardianship attorney at Daly Mills Estate Planning. Danielle is a native of Mooresville and is being published in an upcoming chapter with Wealthcounsel’s second edition of Estate Planning Strategies, Collective Wisdom, Proven Techniques. Give Danielle a call today for a free consultation at 704-878-2365. You can also visit our website at www.DalyMillsEstatePlanning.com.

Danielle Feller For more information or assistance with estate administration, contact Daly Mills Estate Planning for a free consultation at 704878-2365. You can also visit our website at www.

DalyMillsEstatePlanning.com.

Are you a corporate executive or business owner who is quickly approaching retirement but you need direction?

Have you recently retired and have some questions?

Are you the person in your household that hasn’t traditionally handled the money but now it’s time for you to take the reins?

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I want you to understand your choices so that you can make good decisions for your needs. Making good decisions is a function of good information.

Learn more at bookmanbright.com/goodinformation

David R. Hedges, CWS®

Bookman Bright, Inc. is a Registered Investment Advisor

209 Delburg Street | Suite 205 | Davidson, NC 28036 704.256.6016 | David@bookmanbright.com

Retirement Living at its Best

Nestled off of Davie Avenue, minutes from Historic Downtown Statesville, and convenient to both I-77 & I-40.

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CARDINAL VILLAGE • 1 and 2 Bedroom w/single car garage • Full Kitchen w/ applicances including washer & dryer • Weekly housekeeping

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2147 Davie Ave., Statesville Schedule a tour today by calling: 704.878.0123 LimitlessMagOnline.com | April 2022 29

what’s BREWING?

Flying V

7%

P

rimarily brewed with German Pilsner malt this West Coast IPA is an ode to the original with a King Canary hop twist. We threw in a few bags of pale malt in place of the traditional light crystal malt typically used to add a touch of sweetness and body to balance the well known bitterness of the west coast IPA. For the hop contribution, classic techniques mixed with a modern hop blend of Galaxy, Vic Secret, and Idaho 7. The name Flying V pays homage to a favorite kids sport movie, The Mighty Ducks. Our brewer was inspired to brew this beer after a trip to Colorado and enjoying the reemergence style at all the craft breweries in the Denver area.

30 LimitlessMagOnline.com | April 2022

Where’s it brewing?

King Canary Brewing (704) 862-4440 562 Williamson Rd Mooresville, NC 28117

32 LimitlessMagOnline.com | April 2022