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WHAT’S INSIDE TOURNAMENT SCHEDULES P G A • LPGA • GRAND SLAM TE N N I S RECOMMENDED SERVICE DIRECTORY INV E S TI NG • TRAVEL • LIVING
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FEATURES 06 Exciting Travel Destinations 09 Senior Living 14 Luxury Living
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BAYADA Clinical Manager Karen Logan, RN, with her client, Dr. Frances S.
With our broad range of services and team of experienced professionals, BAYADA is committed to keeping adults and seniors safe at home. We provide: • Assistive care services including medication reminders, light housekeeping, bathing, dressing, and more • Thoroughly screened health care professionals • Clinical support 24 hours, 7 days a week • A variety of payment options Call 303-309-0681.
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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things.
a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs.
Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load.
Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.
If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with 4
STEVEN HARLAN Senior Vice President MLO# 531835 303-474-5347 sharlan@kirkpatrickbank.com
We bring you more than 20 years’ experience in private banking services. Wealth Management • Mortgage Lending • Treasury Management
Life is black and white and everything in between!
interior design www.companykd.com | 303.355.1840 | info@companykd.com 5
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TRENDING LOCATIONS FOR A GREAT VACATION
EXCITING TRAVEL
Destinations If you are looking for an exciting and affordable travel destination, consider the following destinations
1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 6
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3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches. Underwater adventures abound - dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Eco-tourism options, from bird watching to hiking.
museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an on-site excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.
Nassau offers cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach. 4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture. History abounds and there are interesting 8
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g n i v i L r o i n e S RETIRE WITHOUT CHANGING YOUR LIFESTYLE
Today’s upscale senior communities offer “resort style living” which is hospitalityoriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include: Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higherend facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include wellappointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more 10
desirable to prospective residents and their families. Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance. Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus.
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Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents.
box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!
Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-
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LUXURY LIVING IDEAS KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for counter-tops and islands. Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen. Also popular are pizza ovens, appliance garages, warming drawers and undercounter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.
Upgrading your home is only limited by your imagination and budget. 14
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BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub. Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature. Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance.
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Are You Investing from a Position of Strength? For a copy of our book, call us or go to Janiczek.com/strength
Joseph Janiczek, MSFS, ChFC Founding Partner
THRIVING IN ALL INVESTMENT CLIMATES
Jim Callahan, CFA Managing Partner
I N V E S T I N G F RO M A P O S I T I O N O F S T R E N G T H
A HIGH NET WORTH INVESTORS GUIDE TO
INVESTING
FROM A POSITION OF
Strength A high net worth investors guide to thriving in all investment climates
*IMPORTANT DISCLOSURE INFORMATION Past performance may not be indicative of future results. Different types of investments involve varying degrees of risk. Therefore, it should not be assumed that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended and/or undertaken by Janiczek Wealth Management (“Janiczek”), or any non-investment related services, will be profitable, equal any historical performance level(s), be suitable for your portfolio or individual situation, or prove successful. Janiczek is neither a law firm nor accounting firm, and no portion of its services should be construed as legal or accounting advice. Moreover, you should not assume that any discussion or information contained in this document serves as the receipt of, or as a substitute for, personalized investment advice from Janiczek. Please remember that it remains your responsibility to advise Janiczek, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you would like to impose, add, or to modify any reasonable restrictions to our investment advisory services. A copy of our current written disclosure Brochure discussing our advisory services and fees is available upon request. The scope of the services to be provided depends upon the needs of the client and the terms of the engagement.
BY JOSEPH JANICZEK
Please Note: Sources: Barron’s March 2017, 2016, 2015, 2014; AdvisoryHQ March 2018, 2017, 2016; Financial Times June 2017, 2015; Five Star Professional November 2016, 2015, 2014, 2013; Mutual Funds Magazine January 2001; NABCAP September 2013, 2011, 2010; Worth Magazine July 2002, January 2004, October 2004, October 2008; Wealth & Finance International October 2014. Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Janiczek is engaged, or continues to be engaged, to provide investment advisory services, nor should it be construed as a current or past endorsement of Janiczek by any of its clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers.
Brady Siegrist, CFP® Partner
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by Joseph J. Janiczek EXCLU SI VE SI G N ATU R E SER I ES
Written by award winning author Joseph J. Janiczek, named among the top, best and most exclusive wealth advisors in the nation multiple times.*
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Every home has a story. They key to getting you top dolla marketing that story effectively. I do that better than any
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NEED A MANAGEMENT COMPANY WHO BUILDS A BRIGHTER FUTURE FOR YOUR COMMUNITY?
CHALLENGE ACCEPTED.
We work with you as a trusted advisor to preserve your community for today – and tomorrow – by focusing on the following areas: • COMPREHENSIVE MANAGEMENT SERVICES. Sustain smooth daily operations. • FINANCIAL SERVICES. Build long-term value for long-term fiscal success. • DEVELOPER SERVICES. Create communities built to last. • EDUCATION & TRAINING. Learn from industry leaders through seminars and online resources. • COMMUNICATIONS. Stay connected to your homeowners, manager and fellow board members. • TECHNOLOGY. Balance security and access to funds and data. Connect, collaborate and stay up-to-date with Townsq, our all-in-one mobile app. ASSOCIA IS UP FOR THE CHALLENGE. CONTACT US TODAY! 303.232.9200 | www.associacolorado.com Servicing the Denver, Fort Collins, Colorado Springs and surrounding areas
SM
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EXCEPTIONAL WORK EVERY TIME
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Memoirs freestanding bath, wall-hung toilet, console table, faucet and accessories
dream in Dark and dazzling, a noir color palette adds a dollop of drama to the room. The fine, classic lines of the Memoirs collection, along with bright whites and archival wallpaper, lighten the look while adding tonal contrasts and depth. ÂŽ
Let’s make your dream a reality. Visit Solutions Bath & Kitchen Gallery where our skilled consultants can help you re-create this look or design one of your own.
solutionsbath.com
Solutions Bath & Kitchen Gallery 5380 Vivian Street, Suite A Arvada, CO 80002 (303) 421-3809
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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.
LUXURY LIVING IDEAS MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions.
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Main: (303) 691-1808 (800) 482-0455 insightassetmgmt.com
HELPING YOU PUT YOUR FINANCIAL DREAMS
INSIGHT
Securities and Advisory Services offered through Panoramic Investment Advisors A Registered Investment Advisor Insight Asset Management & Panoramic Investment Advisors are separate companies
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RECOMMENDED SERVICE DIRECTORY ACUPUNCTURE Oriental Art of Healing.................................................. 35
PAIN RELIEF Oriental Art of Healing.................................................. 35
BANK Christine Fletcher - TIIA Bank................. back inside cover Kirkpatrick Bank.............................................................. 5
PERSONAL ATTORNEY Wade Eldridge P.C.......................................................... 33
COMMERCIAL REAL ESTATE Fuller Real Estate............................................................13 COMMUNITY MANAGEMENT Colorado Association Services....................................... 23 DEFENSE ATTORNEY Wade Eldridge P.C.......................................................... 33 DESTINATION CLUB Exclusive Resorts LLC......................................................31 EYELASH EXTENSIONS Deka Lash.......................................................................16
REAL ESTATE Mark Scalan Brokers Guild................................................1 The Joseph Homes Team/Sotheby’s................................21 REMODELING Consolidated Construction Management LLC....................................front inside cover STRUCTURAL REPAIR Paul Sutton’s Peak Structure........................................... 7 WEALTH MANAGEMENT Janiczek Wealth Management........................................16
FAMILY LAW Sara S. Scott..................................................................... 9 McGiane and Hogan P.C................................................. 25 FENCE COMPANY Split Rail Fence Company.............................................. 25 HARDWOOD FLOORS Porcelanosa...............................................................18-19 HOME HEALTHCARE Bayada Home Health Care............................................... 3 HOME INSURANCE Paul Sutton’s Peak Structure........................................... 7 INTERIOR DESIGN Company KD LLC............................................................. 5 RV Interiors by Donna.................................................... 35 INVESTMENT ADVISORS Insight Asset Management / Panoramic Investment Advisors..................................... 35 KITCHEN AND BATH GALLERY Solutions Bath & Kitchen................................................27 KITCHEN & BATH TILE Porcelanosa...............................................................18-19 LASER ENGRAVING Lazer Designs........................................back outside cover MORTGAGE BANKER Christine Fletcher - TIIA Bank................. back inside cover NEW CONSTRUCTION Consolidated Construction Management LLC....................................front inside cover
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