MyNorth Inspired Life/Estate and Financial Planning 2019

WHAT THE NEXT GENERATION CAN TEACH US ABOUT FISCAL HEALTH • 7 STRATEGIES TO SPEND WISELY IN RETIREMENT

FALL | 2019

LIVING BETTER AFTER 55 IN NORTHERN MICHIGAN INS

2019 IDE: & FIN ESTATE A SERV NCIAL ICES

THE GOOD LIFE

IN THE GREATEST PLACE! VOLUNTEER THE ARTS SCENE IS CALLING

JUST TRY IT! PICKLEBALL, COOKING CLASSES & MORE

GET HEALTHY VEG UP YOUR FAVORITE COMFORT FOODS

EMBRACE

AN EMPTY NEST (CANDID ADVICE YOU’LL LIVE BY)

EXPLORE

UP NORTH’S BEST ALL-ACCESS TRAILS

DISCOVER

THE PERFECT FIT FOR SENIOR LIVING

A supplement to

You’ll know the minute you walk in the door.

Warm Friendships, Active Community, Beautiful Apartments H Your

o

f me

or

To d a y … a n d

To m

o rr ow

Bay Ridge

Voted #1 Senior Community Caring Service Since 2000

Independent Living 231-995-9385 & Assisted Living 231-932-9757 3850 Scenic Ridge, off Silver Lake Road Traverse City MI 49684 TRS Dial: 7-1-1 www.villageatbayridge.com

INSPIRED LIFE

WELCOME TO INSPIRED LIFE. At the heart of this magazine: the idea that at every age, we share a common love of this place we call home. Meet new neighbors embracing adventures—both big and small. Find real advice for taking good care of the assets and places we hold dear.

Tap into a true joy for the outdoors that keeps our inner lives vibrant and our bodies well.

Connect. Join in. Find smart and new ways to inspire your life Up North. —the Editors

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CONTENTS

Action Water Sports.......................................................................................................42 Active Brace and Limb....................................................................................................14 Alliance for Senior Housing...........................................................................................12 Bay Street Orthopaedic..................................................................................................10 BioActive Medicine . .......................................................................................................15 Boardman Lake Glens......................................................................................................12 Carlyon-Stoops Family Financial Planning of Raymond James..................... EFS23 Cedar Run Eye Center........................................................................ Inside Back Cover Covell Funeral Homes.............................................................................................. EFS32 Culver Meadows...............................................................................................................16 Danbrook Adams Raymond................................................................................... EFS22 Edward Jones.............................................................................................................. EFS31 Fit For You..........................................................................................................................34 FOR Investment Partners................................................................................................ 6 FYZICAL Therapy & Balance Centers..........................................................................12 Grand Traverse Pavilions - Wellness Center..............................................................10 Grand Traverse Regional Land Conservancy..................................................... EFS24 Grand Traverse Resort and Spa.......................................................................................2 Greenleaf Trust...........................................................................................................EFS18 Hearing Solutions of Northwest Michigan................................................................36 Hemming& Wealth Management Inc..................................................................EFS20 Hospice of Michigan.......................................................................................................36 Jordan Valley Glassworks..............................................................................................36 Kuhn Rogers PLC....................................................................................................... EFS24 Merrill Lynch Wealth Management, Rick Simonton........................................ EFS28 Monarch Home Health Services...................................................................................14 Munson Healthcare .................................................................. 38/39 and Back Cover NMC Extended Education.............................................................................................34 Northern Michigan Diabetes Initiative........................................................................16 Old Mission Investment and Trust.................................................................EFS26/27 Options for Senior Living LLC........................................................................................14 Pineview Cottage.............................................................................................................16 Reynolds Jonkhoff Funeral Home............................................................ 16 and EFS22 Swenson Memorials........................................................................................................14 TBA Credit Union...................................................................................................... EFS22 The Village At Bay Ridge..................................................................Inside Front Cover

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A HOME THAT ADAPTS

CARING FOR YOUR SMILE

ROCK HUNTING WITH KIDS

CONCIERGE FOR CARE

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KEEPERS OF THE CULTURE

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EMBRACING AN EMPTY NEST

15

ALL-ACCESS TRAILS

PICKLEBALL

VEG OUT!

THE BUZZ ON HEARING AIDS

9 WAYS TO VOLUNTEER IN THE ARTS

43

COASTING THE COUNTY

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COOKING UP COMMUNITY

PLUS

ESTATE & FINANCIAL SERVICES FOLLOWING PAGE 16

MyNorth Inspired Life is produced by MyNorthMedia. Advertising and editorial offices at: 125 Park St., Suite 155, Traverse City, MI 49684. 231.941.8174, MyNorth.com.

All rights reserved. Copyright 2019, Prism Publications Inc. Reproduction in whole or in part without permission is prohibited.

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INSPIRED LIFE

A Home that Adapts

BY COURTNEY JEROME

Designing a home you’d like to live in for the rest of your life can be a daunting task. Planning for the future includes a lot of unpredictable aspects—everyone ages differently, and you don’t know how you’ll be affected. And designing a home that prepares you for that uncertainty? Well, that’s why many seek help from professionals.

Registered architect Michael Leaveck from DesignSmiths Architecture in Traverse City recommends designing a home for aging in place with one key factor in mind: Adaptability.

“A little bit of extra thought in planning now can really make things a whole lot easier in the future,” he shares.

“That's what we emphasize. Build the house you want now, but think a little bit about the future. So you can adapt if you need to.” That means while you may need grab bars in your bathrooms as you age, don’t install them quite yet. But think ahead and install blocking within the walls now, so when bars are needed, you can easily adapt.

“Most people want one master suite on the main level.

What we tell people is that it's a good idea to think about these things long term, but don’t necessarily let that dictate everything you do. Because things change a lot. Kids may leave the area—or live next door. What happens if one of us ends up in a wheelchair? But there’s a good chance you won’t.

A lot of things happen as we age.”

So what else can you think ahead about when designing a home for aging in place? Michael shares his advice.

it, just build extra-wide stairs to get to those rooms. You have the ability to add a mobility stair lift later in life if you need assistance to get to your bedroom on the upper level. And these stairs can be wide enough for someone to join you on your route.

APPLIANCES

Some people struggle with round door knobs later in life— especially those who develop arthritis. Levers are easier to control with limited mobility to your hands.

Washers, dryers and kitchen ranges only last for so long. Get what you want now and replace with front control buttons in the future when you need to.

KITCHEN

While you can install low countertops now (and end up stooping over for years preparing meals), instead install regular-height countertops and budget for the potential future need. You can always adjust one or more sections of the cabinets to a lower level when the time comes for a relatively reasonable cost.

EXTRA-WIDE STAIRS

We joke around here: “If you stop using the stairs, you lose your ability to use the stairs.” So keep an upstairs if you want

ENTRY TO THE HOUSE

The main factor to consider now is how to get from the garage into the house. And plan ahead for a ramp. You don’t want to install the ramp now, but think about where it will go in the future.

FULL-WIDTH DOORS

A full-width door into the master bedroom and master bath— do it now. It’ll feel more comfortable and they are easy to operate. Plus, it’s not a bad idea to build a roomy bathroom, either.

GRAB BARS

Assistance with accessing the toilet, shower, and sink includes an easy installation of grab bars. But there’s no need to install these until you have to. Changing out millwork is pretty easy.

Having the blockwork ready to go is easy to do day one. Just make sure to take pictures before the drywall goes up and put it in the house binder to refer to.

LEVERS ON DOORS

CASEMENT WINDOWS

Install these now instead of double-hung windows. Since casement windows don’t get harder to open as you crank, they’re easier to operate with age.

NEW TECHNOLOGY

You can have a smart home now for only a couple hundred dollars. Have it day one or wait until later. The big game changer was when the technology added voice control. Before you needed to be a geek to get into this stuff. Now it’s just, “Alexa, turn the lights on!”

MyNorth INSPIRED LIFE | FALL 2019

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INSPIRED LIFE

CARING FOR YOUR SMILE

BY COURTNEY JEROME

Interlochen’s Dr. Debra Lewis has been practicing dental care since 1997, and over those 30 years has taken the time to get to know each one of her patients. Here are her tips for maintaining a healthy, sparkling smile as you age.

KEEP UP YOUR ORAL HEALTH CARE.

“Those good habits you’ve established in the past—keep doing those. The need is always there. Nothing changes as you age,” says Dr. Lewis. This means brushing twice a day for two minutes a day, not forgetting to floss and being aware of sugary and acidic drinks in your diet. “Especially now that things are conveniently bottled and canned,” she adds. “Pay attention to flavored coffee; seltzer waters have acid that make the bubbles and diet pop doesn’t have sugar but it’s still high in acid that can be detrimental to the enamel on your teeth.

Keep doing what you’ve been doing if you’ve already established good oral health care.”

PAY ATTENTION TO YOUR MEDICATIONS.

“As we mature and our medication list increases, that can be a concern. A lot of medications have sugar sweeteners added to them to affect the flavor, and sometimes they cause dry mouth,” she mentions. If dry mouth happens to you, she recommends mouth rinses, lozenges and/or gum to stimulate saliva.

YOU’RE NOT TOO OLD FOR BRACES!

“Yes, your teeth can be aligned at any age!” says Dr. Lewis.

You can try traditional braces or there are new positioning appliances, clear and similar to a retainer, that you wear 24/7 to move your teeth around (check out brands like Invisalign).

“People like it because it’s not bracket and wires, it takes about the same amount of time to align and can cost basically the same.”

CONCERNED ABOUT COLORING?

“After a lifetime of coffee, red wine and cigarettes, sometimes teeth are darker than they were to begin with.” comments Dr. Lewis. She recommends talking with your dentist, as many new whitening techniques are effective.

IF YOU’RE AN ACTIVE ADULT, WEAR A MOUTHGUARD!

“It’s the same type of thing we tell our teenagers about protecting our teeth. Basketball or hockey players on the maturity league, it’s still important to wear mouth guards to protect our teeth,” shares Dr. Lewis.

TAKE CARE OF YOUR GUMS.

“So many people say, ‘Oh, I’m getting older, is that why my gums are receding?’ Maturity doesn’t necessarily mean an increase of gum disease. It can be affected, but just because your age is adding up, doesn’t mean that’s the reason for receding gums,” she says.

SPICE IT UP AND TRY NEW PRODUCTS!

“There are so many new and useful products like power toothbrushes, water picks/flossers, different types of toothpastes for sensitivity, whitening, or gum health. Find what works best for you.” And when it comes to selecting a toothpaste, she recommends choosing one with fluoride to prevent and protect new decay and exposed root surfaces—among other oral health concerns.

GET FLOURIDE TREATMENTS.

They’re not just for kids. “We suggest older patients have fluoride treatments,” she says. “Even as an adult, we recommend the in-office treatment once or twice a year.”

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INSPIRED LIFE

THE RIGHT FIT As fiduciary investment advisors, Traverse City-based Mecky Kessler-Howell and Kristi L. Avery of FOR Investment Partners want to know what you care about most.

“When considering life after work, I like clients to ask themselves, ‘Where do I want to be? Who do I want to be?’ Once I have a clear idea of your values and goals, FOR Investment Partners will help you look at how to balance work and leisure, and how to make smart choices for the future.”

Adds Mecky, “We work FOR you. As independent advisors, we have only your best interests and goals at the forefront of our advice.” Best of all, both Kristi and Mecky strive to help create an intentional alignment with financial investment goals and your values and missions. “I feel it is my personal social responsibility to help my client reach their financial goals according to their own values,” says Mecky. “Combined we have over 30 years of experience helping clients invest with their intention. Our goal is to help align your financial resources according to your values, and plant seeds for financial returns.”

FOR YOUR FAMILY. FOR YOUR FUTURE. FOR YOUR LIFESTYLE.

It’s easy to reach out...

2226 South Airport Road West, Traverse City 231.933.4396 | forinvestmentpartners.com kavery@wisdirect.com | mhowell@wisdirect.com Securities and Investment Advisory Services offered through Western International Securities, Inc., Member FINRA/SIPC. FOR Investment Partners & Western International Securities, Inc., are separate & unaffiliated entities.

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ADVERTORIAL

INSPIRED LIFE

Rock Hunting with Kids (and Grandkids!)

This mom-and-pop shop in Honor stokes a passion for one of Michigan’s finest multi-generational family experiences.

BY EMILY TYRA

C & M Rock Shop near Honor started as a summer projSo what’s the best way to get kids interested in rock huntect. Bruce and Shirley Mueller sold rocks they dug up or ing? “Turn them loose in here,” says Shirley. “Let them ask found themselves, offering their wares from card tables set up us, ‘What’s this?’” on Shirley’s grandparents’ farm along U.S. 31. That was 1966.

Adds Bruce, who has a masters degree in geology from the Over the years, C & M has grown.

University of Illinois, “Have kids bring in Now housed in a former barn basement things that they’ve found. Kids get really and overflowing onto tidy rows of tables excited to learn how old it is and how it outside, it’s a seasonal rock shop destinaformed, and we can generally tell them tion for both curious passers-by and rock all about it.” hounds alike.

There’s certainly no shortage of places On any given afternoon, you’ll find all to hunt for rocks in Michigan. Michigan ages sifting through an astounding array has the longest freshwater coastline in the of rocks and fossils—polished and rough, U.S., and Michigan is home to the largsold loose and as jewelry. Kids especially est variety of stones in the entire world. love picking out their own treasure, or Glaciers covered almost 200 million acres showing Bruce and Shirley a cool rock when they formed and acted like a githey found in their backyard or at the ant conveyor belt bringing rocks south to beach. what is now Michigan.

Bruce has been passionate about geol“I tell kids, the glaciers started at the BRUCE AND SHIRLEY MUELLER HAVE BEEN MARRIED FOR 69 YEARS, AND ogy since childhood, when a 350-millioncoast of Canada and picked up a piece WERE HIGH SCHOOL SWEETHEARTS. year-old fossil he found set him loose on of everything. In Michigan, we can find a lifetime of seeking knowledge. Shirley things that could only have come from jokes that she got interested in rocks in 1950 ... the year she the bottom of Hudson Bay,” says Bruce. and Bruce got married. “I did collect rocks on the driveway Budding rock hounds can check out Lake Michigan Rock as a girl,” she says, gesturing out the rock shop’s screen door.

Picker’s Guide, Lake Superior Rock Picker’s Guide and Lake Huron “I put them on Grandma’s kitchen windowsill, and, strangely Rock Picker’s Guide co-authored by Bruce Mueller and Kevin enough, later I’d see some in the driveway strikingly similar to Gauthier for more information about our state’s coolest stones. those I’d already found,” she laughs.

EDITOR’S NOTES: As with almost any activity that’s fun...there are laws so we all can continue to enjoy the experience. Michigan law states that an individual cannot remove more than 25 pounds per year of any rock, mineral (exclusive of any gold bearing material) or invertebrate fossil from state-owned land for personal or noncommercial hobby use. It is illegal under federal law to remove stones from a National Lakeshore.

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INSPIRED LIFE

Concierge for Care Here in Traverse City, Kim Bauml and her team of angels find the ideal solution for caring for an aging family member.

BY COURTNEY JEROME

Kim Bauml knows firsthand what it’s like caring for a loved one at home when it’s no longer safe to do so. Her late husband’s cancer had gone to his brain. When he put toothpaste on his razor to brush his teeth, Kim knew right then and there it was time for help. She recognized the signs, as she had spent her career working in the senior care industry before leaving to stay home with her husband. Witnessing it herself gave her a “crystal-clear understanding about what this process is like for people.”

Now, it has been 10 years since Kim’s husband has passed, and she has spent her time continuing to support families at this stage in their lives through her Traverse City LLC, Options for Senior Care Living, whether it’s due to illness or aging.

“Seventy percent of the time we’re contacted by a family member rather than the actual resident themselves—adult children who are just starting to search. Sometimes it’s because they’re ready, others because they’re reluctant. Quite a few calls are from folks who never expected to be in the situation they’re in. Maybe they’ve fallen. Or are in rehab and haven’t made the progress they’d hoped to,” Kim explains.

“When there's a role reversal it’s uncomfortable for the adult children and the parent. What we try to do is support them, because there’s guilt,” she continues. “You used to live with your kids in the past, but our lifestyles don’t support that any longer. What seniors often tell me is they don’t want to be a burden or dependent on their kids. They want to be with people their own age who have had similar experiences.

Lost spouses. Physical abilities. They usually do really well in a community.”

So helping them find the right community is exactly what Kim and her team do. They spare the logistical nightmares and emotional expense for families, as their services are freeof-charge and supportive every step of the way.

Kim recommends considering your options early. How? Here are her tips.

Have family and friends involved. Don’t feel like you need to do it alone. It’s important to have people around to support you. If not family, look to friends and organizations that support seniors.

Start having the conversation before you need to have the conversation. Use language such as: “What are your wishes? What if ? I hope that this never happens, but if it does, how would you like us to handle things? Would you like to know what your options are in advance?” People are intimidated by these conversations. So the earlier you can do it, the better. Then give them space. Maybe it includes having 8

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a conversation with the doctor. The less kids have to be involved in telling them what to do the better. We don’t want them to be the bad guy.

Start early and see what’s out there. When people know what’s out there (the costs, the activities and amenities they offer) people really get excited about it! Some people have an idea from visiting friends over the years, but what we want to erase from their minds is the image of their parents at an old nursing home. That’s their fear. Adult children say to me often, “I made a promise a long time ago that I wouldn’t put them in a home.” So we recommend not to make that promise, because you don’t know what situation you may be in.

People plan for retirement, and that normally includes living at home. But what if it doesn’t? The sooner they start to think of their heath and designating someone to make decisions for them when they’re not able to, the better. If you haven’t decided on power of attorney (both medical and financial), it puts a tremendous strain on everyone. It makes it more difficult to navigate the healthcare system and senior care. There are elder care attorneys available to guide people.

The more planning you can do, the better.

Is there any financial assistance? Find out what’s available to you in the future. Do you have access to long-term care insurance, Medicare waiver or veteran’s assistance? (The Aid in Attendance Program assists veterans with activities of daily living: toileting, dressing, etc; there’s a substantial amount available for veterans in assisted living. Right now up to $1,800 a month is available if they qualify. A surviving spouse is eligible for up to $1,200.)

Think about your things. When you’re sitting in a hospital bed, it's not the time to think about, “Do I want my pink chair or my green chair?” There are agencies to help move and narrow down your belongings.

Get on a waitlist early. Most places have at least a sixmonth wait. There’s a small fee to put your name on a waiting list with no obligation. You can get called for three years and just say “yes” when you’re ready. Have that peace of mind that your name is on the list. There are new communities coming to the area that will alleviate the wait-list pressure, too.

Try it out! After your first visit, go and look a little closer.

Go back for lunch and dinner! Try the food. Get to know the people who live there, who will be taking care of you.

There are short-term options to try: Respite winter stays from November to April; short-term stays during rehab. Or there are families with people living at home who want to go on vacation, and make pre-arranged stays to take care of their loved one when they’re gone.

INSPIRED LIFE

KIM’S FAVORITE ORGANIZATIONS THAT SUPPORT SENIORS • Grand Traverse County Senior Center Network (Based in Traverse City with satellite offices in Interlochen, Fife Lake, Acme and Kingsley.)

• Leelanau County Senior Services • Grand Traverse Commission on Aging • Area Agency on Aging of Northwest Michigan • Northwest Michigan Community Action Agency • Hers! Options for Senior Care Living

PHOTO BY DAVE WEIDNER

KIM BAUML

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Offering physical, occupational, and speech therapy, our experienced team of therapists will address your specific needs. Our continuum of service extends from short-term inpatient rehabilitation to outpatient therapy and community programs.

Think you can’t be well? We’ll help you think again.

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INSPIRED LIFE

PHOTO BY DAVE WEIDNER

KRISTYN BALOG

Keepers of the Culture

BY COURTNEY JEROME

An old brick vault in the heart of Harbor Springs is the new home for oral history. The Harbor Springs Area Historical Society recently opened a new recording space in one of the Harbor Springs History Museum’s vaults, specifically for the community to come in and record their oral histories.

The Historical Society has always placed a high priority on protecting the past, and this “Voices from the Vault” exhibit exemplifies that mission.

“Everyone is welcome to visit the vault not only to record their own personal history but to look through transcriptions of oral histories already in the museum’s collection,” shares Executive Director Kristyn Balog.

In addition to the vault, which serves as a repository for local history, the second floor of the museum hosts genealogy

research stations. Open during regular business hours, the community is encouraged to engage in exclusive free access to ancestry.com via the society’s subscription.

Staff members are on hand to help visitors learn how ancestry.com works, and are available to answer other general genealogy questions. Of course, advanced notice of arrival is always appreciated.

“We preserve and protect the heritage of the Harbor Springs area. It is our mission to bring that history to life and to help spark an interest in local and personal history with the people in our community,” explains Kristyn, inviting the community to visit their grand building on East Main Street.

To keep tabs on the ever-evolving, historic heartbeat of Harbor Springs, check out the Historical Society's downtown headquarters or harborspringshistory.org.

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Many feel that moving into a senior community (independent living or assisted living) takes away their freedom and independence. Actually, it enhances

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“Aging in Place” is a wonderful idea, but why not do it in a community that is improving and enriching your life?

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INSPIRED LIFE

FEATHERING A NEW NEST We asked Mary to share her strategies on making the transition as painless as possible.

1. Be prepared. Just as parents are making plans for their kids to leave for their first year away at college or other adventures, they should also be planning for their own upcoming experience by filling their calendar with new experiences. The most important thing is to proactively change the routines in your life in ways that will lessen the impact of the loss. I suggest scheduling getaways, new daily, weekly or monthly time commitments such as an art class, fitness routine or joining a book club. Rediscover your partner by focusing on what the two of you enjoyed doing before you had children. Reconnect with friends who are also empty nesters or who never had children.

PHOTO COURTESY OF MARY ROGERS

2. Don’t be surprised by feelings of loss. Parents have made many sacrifices for their children and when they leave it may make them feel unappreciated.

Remember that this is tricky for your children as well and though they may seem thoughtless and unappreciative, they just need space to find their own bearings. Try not to take offense.

3. A healthy dose of selfishness is the best offense of the new empty nester.

Your new role is to show your kids what a happy and fulfilled life looks like. The most important thing is to stay busy, spend more time with other adults who are not in the throes of parenting and respect your kid’s need for space.

Hear more from Mary at experience50.com.

Embracing an Empty Nest

BY COURTNEY JEROME

Mary Rogers knows a thing or two about having an empty nest. Not only did her Traverse City home transform into one recently, but she also coaches countless listeners and followers across the world on this very topic. Mary’s podcast, The Experience 50 Podcast for Midlife, features real-life stories of midlife transformation—including parents transitioning teenagers to young adults.

“My listeners appreciate the fact that I don’t sugarcoat the experiences of our 50s,” explains Mary. “Many of life’s toughest circumstances get dropped in our laps at the same time our AARP card arrives in the mail.

“With another 15 to 20 years until retirement, we are rarely given the opportunity to be the shiny superstar at the office, and our parents have increasing demands on our time as their health fails,” she continues, noting her listeners report feeling invisible both at work and in everyday situations.

“Add to that our changing relationship with children who no longer need us or want us in their everyday lives and it can feel like the world has turned its back on us.”

While many may compartmentalize their lives into chapters, and defer their own dreams and aspirations until after their kids have grown and flown, Mary didn’t see that as a viable option during her transition. And she recommends others think the same.

“Today, I can say that my brood, at 47, 33 and 19, are interested in what I’m up to because I am always leading an interesting life independent of my role as a mother,” she shares.

“Parents who can graciously put down the parenting reins and redirect their focus to their own lives will typically enjoy more fulfilling experiences in their 50s while at the same time developing deeper and more mutually meaningful relationships with their adult children.”

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In 2012 it became the first universally accessible waterfall in the nation! Ocqueoc Falls, 11.5 miles west of Rogers City, offers a beautiful 6-mile paved trail. Areas designed to be accessible include picnic spots, trails, river access and a rock climbing wall.

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Enjoy the beautiful sights of the widely loved Mackinac Island Loop on the 8-mile asphalt pathway around the outskirts of the island. Also known as State Highway 185, the Mackinac Island Loop is the only highway in the United States that doesn’t permit motorized vehicles on its route. Keep your eyes peeled for the classic Mackinac attractions to marvel at— hello, Arch Rock, Fort Mackinac and Grand Hotel!

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Estate & Financial Services YOUR NORTHERN MICHIGAN GUIDE TO A SECURE FINANCIAL FUTURE

FIND YOUR BEST-FIT WEALTH ADVISOR The BIG Q uestions Millennials Have About Fiscal Health

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ESTATE & FINANCIAL SERVICES

Taking the Leap into Financial Planning Different generations, different priorities, different strategies. Here’s how financial planners are helping younger Millennial and GenX clients get ahead of the money curve.

BY CARA MCDONALD

GenX and Millennials may not have a ton in common when it comes to pop culture and worldviews, but when it comes to financial planning, they share some important similarities—a distrust of the traditional ways of investing, for one.

And on the plus side: They both still have earning potential and time on their sides.

We picked the brains of some of Northern Michigan’s top financial planners with a thing for helping folks who need a nudge to get started.

1. THE MILLENNIAL’S MIYAGI Brian Ursu at Intentional Wealth Advisors, Traverse City When it comes to finances, “studies show that young people are looking for a guide when it comes to planning,” says

Intentional Wealth Advisors’ Brian Ursu.

“Not a robo advisor. These are important decisions, they want to trust, and trust is earned.”

And in short supply for this generation.

“They watched parents lose jobs or a car or the family cottage during the recession, they’ve seen what debt did,” Ursu adds.

“They learned a lesson, and they want to get out from under debt.”

Problem is, many younger people are overwhelmed—they’ve seen health care reformed dramatically, they’re looking at investments, dealing with student loans, and it’s all coming at them at once. “It’s like a patient coming into the ER and you’re trying to figure out what to deal with first. They are ascribing equal importance to all concerns, so they’re paralyzed.”

Ursu’s strategy is to meet with clients

and prioritize: back-burner some issues, pull critical ones to the top of the list, then make a plan of attack. “When everything is equally important, people will do nothing. Once you can organize mentally for them where the priorities are, you see their shoulders drop; they can do it.”

What about their older brothers and sisters? “Gen Xers—and I’m one—felt we’d walk into the lifestyle our parents had when we graduated college. ‘Hey, I’d like to live on the bay because my parents did.’ I don’t think Millennials have that same burden of entitlement.

They’re willing to work to get it done.”

The advantage for Xers, however, is there’s a sense of urgency to them. “And that’s a good thing,” says Ursu. “The way we help them is to do a comprehensive financial plan and analysis.”

Continued on page 21

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e m bra ce . A clear unde rst an din g o f y o u r fin an c ial go al s. e d uca te . A we ll-de fin e d ro ad map t o ac h eiv e y o u r go al s. e m po wer . Ongoi n g adv ic e t o h e l p y o u adju st an d mo v e fo rw ard.

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ESTATE & FINANCIAL SERVICES

Retirement seems like a nebulous thing for younger people, so that’s where the analysis kicks in. Clients look at what they’ve done, what they’re doing and where they want to be. If those don’t align, you change the math—planning is, according to Ursu, just a never-ending exercise in story problems. The question is, how much are you willing to change the variables? “In order to make your plan work, you may have to put away five hundred more dollars a month, or work two more years, or you may have to sacrifice a little bit of your lifestyle at retirement and live on $80,000 a year instead of a $100,000. They are all solvable,” he says, “but without having that analysis, you’re flying blind.

With a flight plan, you’re going to land.”

Gen Xers struggle more with wanting luxury items now—the vacation home, the SUV. They’ve worked harder and longer and want to enjoy life, Witkowski says. This approach to spending can put them behind the eight ball in a different way than Millenials.

But for both generations, he suggests the same answer: “Worrying about what could have been is a waste of time.

Stop looking at the past and optimize what you need to do moving forward. The solution is getting real and taking an x-ray of your current situation and working with somebody with expertise but who also sees things from a different standpoint.

There are always going to be trade-offs—you’re just going to have to balance the life experiences that you want now with the life experiences you want down the road.”

Look for Ursu’s book Now What? A Practical Guide to Figuring Out Your Financial Future, written specifically for millennials (or anyone who is becoming financially aware for the first time), to be released winter 2020.

2. THE MISTAKE MENDER Neil Witkowski, Founder/CEO of Isadore Private Wealth, Traverse City In general, both generations have a mistrust in traditional ways of financially reaching a fulfilling retirement, explains Neil Witkowski, CEO of Isadore Private Wealth in Traverse City. “They don’t trust the stock market. And when it comes to saving, they’re a little behind the eight ball.”

Witkowski explains that Millennials in particular are struggling under the weight of staggering educational debt. “That is THE thing that is defining them. What makes it even more difficult is they aren’t getting the financial education at the high school and college level in general, so when they have to rack up all this debt, they’re having difficulty figuring out how to pay it off and refinance it.”

Their generational aversion to debt can push them to make unwise choices—some Millennials are so focused on paying down education debt that they don’t contribute to a 401k. “They miss out on employer matches—we’re talking about potentially a 100 percent return on your contribution. It’s a tremendous missed opportunity,” says Witkowski. “The other big one I’m seeing is they are taking out loans from their 401k. They see it as cheap financing. But if they terminate the job, that loan automatically goes into default, but the payback of that loan has to come from wages. So they are getting hit with early distributions—earned income tax and a 10 percent penalty. It’s a really expensive mistake.”

So, too, is taking the convenience of tech too far. While younger generations have responded well to easy-access, no-brainer budgeting apps like Mint and free stock-buying apps like Robinhood, they can come at a price. “What’s positive is these apps encourage financial engagement. But they can also create ‘hyper trading’—this constant tweaking and buying and selling that can make for emotional decisions; you miss out on the longer-term gains in the market.”

3. THE GENX DREAM WEAVER Autumn Soltysiak at hemming& Wealth Management, Traverse City “Here’s what I love about this generation,” says Autumn Soltysiak of hemming& Wealth Management: “Gen Xers, who are hard at work mid-career, are questioning what retirement even looks like. They look around and ask themselves, ‘Do I want to power through on the same trajectory, or... what would it look like if I do something else?’ ” One couple she works with are Gen Xers—two engineers without kids who have been really intentional about saving.

They’re not quite 40, and with her help they quit their jobs to buy an RV and travel around the country. “Because they are focused on controlling their lifestyle, they were caught up in their savings goals and were able to step away from their careers to decide what’s right for them. It’s fun to see people being nontraditional with their paths.”

Another client has a stable government job but decided she didn’t want to pursue it anymore. “We put into place a timeline where she can phase out of her job and do some­thing new, which is to go into property management full time,” Soltysiak explains. “Her rental income will go from a side hustle to a real income source in retirement.”

Retirement in general is a challenging concept for people who have worked so hard for so many years. “Most of our clients want to continue to do something that’s meaning­ful, and they’ve found they have skills that are in high demand—whether it’s consulting, mentoring, or working at a favorite gallery. It’s difficult to actually give up a paycheck because they have reached a point where their skills are rewarded. There’s also social aspect to work that is really important. When we do our coaching, we say, what if there’s no income coming in, and most of them say, ‘I don’t want to do the schedule I’m doing now, but I still see myself working.’ ” Soltysiak sees this re-thinking of work—and ensuring you enjoy it—to be really critical because the last working years tend to be the highest earning years, “So if you can find work-life balance and prolong retirement, that’s one of the most powerful savings strategies you can make.”

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The Jonkhoff family and caring staff are the ones you can trust and depend on... today and tomorrow.

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We are a multi-advisor team with a defined process for advice and guidance through life’s events, and our mission is focused on solving for quality of life and navigating the costs of living well. We advise clients as if they were a part of our own family, and create financial solutions that they might not have thought of themselves.

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ESTATE & FINANCIAL SERVICES

Retirement for Entrepreneurs No 401k, no employer match— here’s how to plan when it’s just you against the world.

BY CARA MCDONALD

Small business owners are our economy’s economic engine— entrepreneurs generate half of all private sector jobs, payroll and output. But when it comes to their own financial future, they can be so focused on investing in their business and employees that they may need a hand getting a retirement plan together.

Dennis Prout of Prout Financial Design and host of the weekly New Retirement show on 580 AM, says a common challenge is forgetting to diversify. Many biz owners can be over-focused on the value of their businesses as an asset—but how do you convert an asset into income?

Focusing on growth can be a retirement planning positive, says Prout. “If the business is seeing significant growth, they’re going to put a lot of eggs in that basket, and if it’s successful they can earn returns much better than the stock market. The stock market can yield 10 to 11 percent annual returns, whereas 15 to 20 in their own business may not be a stretch at all.”

If entrepreneurs have excess cash flow that they need to put to work, he recommends looking at a few varieties of IRA. “A simple IRA has a cap of $13,000 to $16,000 annually, based on age. These are each available for business owners and their employees, too,” Prout says.

When thinking about an overall plan, many entrepreneurs forget they have some overlooked advantages. “They have an asset that’s growing. It may be the equipment they own, the real estate they purchased, the inventory; those could well be retirement assets. We include business values when we run a plan for someone.”

Another edge they have: They’re not in a position that limits their capability of inventing and providing that service that’s not out there. “Obviously entrepreneurs are generally taking more risk, but the returns can be much greater for having done that,” Prout adds. “The return can be shown in terms of real dollars.”

But the very vision that makes them successful in their business can make them poor at keeping track of other things, like taxes. Prout says a willingness to hire out the skills they don’t have can make all the difference: “A good accountant is worth his or her weight in gold.”

Lastly, Prout says if there were one thing he’d advise entrepreneurs to do, it would be to invest in their own education and growth in order to gain new skills that give them a boost over the competition. “It’s like the old Ben Franklin saying: ‘The man who pours his purse into his head makes the very best investment.’”

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Keeping wealth in the family is a noble intention, but creating the Keeping wealth in the family is a noble intention, but creating the best structure to do that, is as much an art as it is science. best structure to do that, is as much an art as it is science.

Your Your family family will will thank thank you. you.

Having trust in your wealth management firm is Having trust in your wealth management firm is a personal investment both now and in the future. a personal investment both now and in the future.

We aren’t the oldest or the largest We aren’t the oldest or the largest wealth management firm in Michigan wealth management firm in Michigan and that’s by design. Locally-owned, and that’s by design. Locally-owned, and specifically structured to cater to and specifically structured to cater to our clients, we present a small firm feel our clients, we present a small firm feel with an extensive list of capabilities. with an extensive list of capabilities.

Our advisors embrace the goals of Our advisors embrace the goals of our clients and get to know them and our clients and get to know them and their families. It’s our intention to look their families. It’s our intention to look at the bigger picture, since wealth exat the bigger picture, since wealth extends beyond a financial statement and tends beyond a financial statement and has a lasting impact on the families has a lasting impact on the families that we serve. Family goals are a part that we serve. Family goals are a part of our discussion when creating a plan of our discussion when creating a plan that works for you and your family that works for you and your family over the long term. We believe that over the long term. We believe that your wealth should have a succession your wealth should have a succession plan that involves a carefully selected plan that involves a carefully selected group of professional advisors that group of professional advisors that work for you and your family. work for you and your family.

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Merrill Lynch Wealth Management 333 West Grandview Parkway Suite 300 Traverse City, MI 49684 fa.ml.com/theswhmgrouptc

Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S is a registered broker-dealer, Member SIPC and a wholly owned subsidiary of BofA Corp.

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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S. Investments & Wealth Institute™ (The Institute) is the owner of the certification marks CIMA® and Certified Investment Management Analyst®, CPWA® and Certified Private Wealth Advisor®. Use of CIMA®, and/or Certified Investment Management Analyst®, CPWA® and/or Certified Private Wealth Advisor® signifies that the user has successfully completed the Institute’s initial and ongoing credentialing requirements for certification. © 2019 Bank of America Corporation. All rights reserved.

ARYYKM3X | AD-07-19-0349 | 472232PM-0519 | 07/2019

ESTATE & FINANCIAL SERVICES

7 Strategies for Smart Spending (While Still Living it Up) in Retirement Want to really enjoy the good life once you retire? Two top planners share the client tips they wish everyone knew.

BY CARA MCDONALD

Continued on page 30

MyNorth ESTATE & FINANCIAL SERVICES

EFS 29

ESTATE & FINANCIAL SERVICES

PREPARE FOR THE “SEVEN SATURDAYS.” “Before retirement, Saturday is typically a peak spending day for people. Once you retire, there are seven Saturdays a week, and most retirees haven’t budgeted for that. We have discussions with clients about how much they are spending today versus what they will realistically spend in retirement to make sure their ‘spend number’ is accurate.”

—Rick Simonton, The Simonton-Walsh-Hanosek-Mangum Wealth Management Group, Merrill Lynch, Traverse City

DON’T TOUCH SOCIAL SECURITY UNTIL AGE 70.

“Many Americans file for social security at 62—as soon as they’re eligible and get a reduced rate. This reduces their benefit for the rest of their life, and potentially their surviving children and spouse’s life. For every year you delay tapping those benefits it pays off, consider delaying your social security payment—which could increase your payout by as much as 132% of your standard benefit. It’s a move that could significantly impact your retirement income over the years.” —Autumn Soltysiak, hemming& Wealth Management, Traverse City LONG LIVE THE FAMILY VACATION. “Family vacations or ‘off-site’ holiday celebrations are popular must-spends in retirement outside of daily living and health care expenses. Although most families travel for spring break or vacation during the summer when the kids are young, we have encouraged clients to specifically allocate funds for these special trips throughout life. Whether they are every year or every few years, these events become a very important tradition that can be documented via pictures or stories written by each family member, creating lifelong memories.” —R.S. TRADE YOUR TIME IN RETURN FOR LUXURIES. “Love concerts? Volunteer as an usher at Interlochen. Can’t live without golf? Work part-time at the pro shop and earn free play or shop discounts. This can really add to your quality of life and save you considerably on spending.” —A.S. BEWARE DECEPTIVE DOWNSIZING. “Almost one in three Americans moves into a new home around the time of retirement.

We typically see a significant downsize in square footage of a home, but the quality of the home—construction, view, location—often improves significantly. The net result is there is usually not a significant savings despite the downsize, and many times the smaller home costs more.” —R.S. BUT DON’T FORGET TO GO BIG. Retirement is a transition from a savings plan to a spending plan. If you’re a good saver, sometimes it’s hard to switch because you’ve been focused on building your wealth. It’s important to have a clear idea of what’s really important to you—is it experiences, travel, time with family, giving to a cause or person. Our job is to empower you to make it happen. For bucket-list items, we educate the client to show that they can afford the first-class ticket or the family cottage, because that can be transformational spending. —A.S. PLAN A SECOND ACT. “Our clients are typically okay financially upon retirement. However, the biggest adjustment is defining their purpose after retirement. Many have been running very hard their entire careers and have had many responsibilities. Upon retirement, that comes to a halt. So, we’ll have conversations with clients to make sure they are ready and ask them to describe what their ‘Second Act’ looks like. We will often encourage consulting, volunteering or attending classes. The folks who say they will play golf every day upon retirement usually indicate that it was great for six months—and then they got bored.” —R.S.

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INSPIRED LIFE

PICKLEBALL IS GAINING MOMENTUM WITH 50+ CROWD

BY COURTNEY JEROME

GARY’S TOP 5 PICKLEBALL PARKS Boardman Valley Nature Preserve: 8 new reservable courts on the banks of the Boardman River. Can play inside the YMCA if you get rained out without having to move your car.

There’s a swimming area to jump in and cool off after playing!

Herman Park in Suttons Bay: 2 beautiful state-of-the-art courts with nice wind screens.

And you can reserve the courts online through the township.

Dog Park in Traverse City: Where to go if you’re looking for a lot of fun people and energy.

Saturday mornings from 9-12 there are probably 40-50 people there.

Glen Arbor: The park behind downtown is gorgeous with 3 courts. Lots of tables to sit at and people watching on basketball and tennis courts. Then you can go to Art's Tavern and have a beer and burger afterwards.

Grace MacDonald Park: Find 3 dedicated courts and 2 converted tennis courts on the east side of Traverse City, with lots of action on weeknights and weekends. Bonus: Beer and pizza at Peegeo's afterward.

On a Saturday morning at the Traverse City Dog Park, you’ll find around 50 people of all ages playing a game of pickleball. A combination of tennis, badminton and racquetball—with longer volleys played on a smaller court—the relatively new sport of pickleball is gaining momentum. Why? Easy access. Low costs. And it’s an easy workout that is lots of fun. Courts are constantly filled with locals and vacationers of all skill levels, coming together to socialize and get in a great workout.

“A lot of the courts are open-play concepts so people can drop in and play. As a result, you develop a lot of relationships. There’s a social component that attracts people,” says Gary Ford, president of the Traverse Area Pickleball Association. “People laugh and joke and when the game’s done, they share stories. And the next thing you know they go out to dinner together and take vacations!”

Gary’s been playing pickleball since 1984, before the sport became popular in the early 2000s. “We’re probably the first community to establish pickleball outside of Seattle,” he explains.

“Which just means we’ve been doing this for a long time!”

Gary even competed at the first national pickleball championship in Florida in 2003. He says one of the reasons why he loves pickleball is that there's openness to the sport he hasn’t experienced before in others.

“As president, I get people emailing me saying, ‘I’ll be on vacation in TC for two weeks, where can I play with people at the same level as I am?’ I guide them: Dog Park at 10 a.m.

Or higher-level players who don’t want to play open—I say, ‘Come join us.’”

MyNorth INSPIRED LIFE | FALL 2019

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INSPIRED LIFE

Veg Out! From blending veggies in sauces to adding them to your favorite breakfast recipes, try these tips on how to get more vegetables in your daily diet, from Amanda Evans, MS, RD, CDE, a Registered Dietitian at Charlevoix Hospital and the Munson Healthcare Charlevoix Hospital Wellness Workshop. The Wellness Workshop offers low-cost health screenings and wellness activities—think yoga, diabetes education, strength training, support groups and cooking classes—in the heart of downtown Charlevoix. These are her top tips on how to up your veggie intake at every meal.

BY COURTNEY JEROME

10 WAYS TO EAT MORE VEGETABLES Make “fries.”

Fill up that sheet pan! The obvious white potato and sweet potato are good options but consider carrots, turnips, parsnips, beets and various types of squash. A drizzle of olive oil and a light sprinkle of salt or your favorite seasoning makes the flavors come to life.

Eat vegetables with breakfast.

Try options such as omelets, frittatas or egg skillets and add peppers, tomatoes, onions, spinach, mushrooms—whatever veggies you like.

Add vegetables to sauces such as marinara for pasta dishes.

Experiment with various vegetables. If chunky sauce isn’t appealing, try pureeing vegetables to mix into the sauce.

Replace pasta and rice dishes with zucchini noodles or cauliflower rice.

Eating zucchini noodles will never be the same as eating pasta noodles—but it’s fun to change it up a bit. Instead of

making spaghetti and using a red marinara sauce, I sauté the zucchini noodles and add various vegetables, including diced tomatoes.

such as mushrooms, spinach or colorful bell peppers. Or if the texture is an obstacle, try adding pureed carrots or sweet potato instead of diced.

If you enjoy fruit smoothies, don’t forget your vegetables.

You can add a cup (or more) of raw baby spinach without altering the fruity flavor.

Need a quick lunch (or breakfast or dinner)?

Make a veggie wrap with bell peppers, onions, spinach and more.

Make muffin/bread recipes that include fruits and veggies.

My family likes banana zucchini oatmeal muffins, sweet potato muffins, baked blueberry oatmeal cups and even pumpkin pie quinoa breakfast cookies.

You can also do this with pancakes, waffles and so much more. Don’t overlook “bites” made with various fruits, vegetables, grains and nut butters as a way to work in a quick, healthy breakfast or snack.

Add vegetables to “burgers.”

If you are not wild about veggie burgers, use ground beef, turkey or chicken and add in your choice of diced vegetables

If cost is a factor, purchase frozen fruits and vegetables instead of fresh.

A bowl of thawed berries can be a tasty treat! Keep frozen fruit on hand for smoothies—no need to add ice! (Tip: Be cautious of canned options—they often contain more sodium and sugar.)

Always add more vegetables than the original recipe calls for.

Be it soup, chili, homemade pizza, casseroles—I always add more vegetables.

The Wellness Workshop is at 411 Bridge Street, Charlevoix. Find more wellness tips at ShapeUpNorth.com.

MyNorth INSPIRED LIFE | FALL 2019

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INSPIRED LIFE

THE BUZZ ON HEARING AIDS Jeanne Strathman, President of the Advanced Hearing Center in Beulah, tunes us into what’s new with these devices that are so essential to a vibrant quality of life. Recognized by the State of Michigan as an expert in the field, Strathman has been national board certified in Hearing Instruments since 1992. Strathman also helped found a campaign to donate used hearing aids to people in need in Ethiopia and Mexico.

BY ELIZABETH EDWARDS

The importance of hearing seems obvious—yet current research is revealing that there is so much more to the science of hearing than has been previously understood.

Definitely. Achin Bhowmik, the chief technology officer at Starkey Hearing Technologies [a leading manufacturer of hearing aids], calls the ear the pathway to the brain. We know hearing loss is connected to a number of significant health issues including dementia, depression, and cardiovascular disease. Hearing is so fundamental that the symptoms of hearing loss mimic the symptoms of Alzheimer's and dementia. One study showed that 70 percent of people diagnosed with Alzheimer’s or dementia were actually only suffering hearing loss. When words are not getting through to the brain you begin to decipher language differently and consequently respond differently.

On top of all of that, when you can’t hear, your relationships are severely affected.

All that science must be inspiring innovation. Bring us up to speed on what is going on in the field.

The latest thing is hearing aids with artificial intelligence and the ability to control them from your phone or computer.

Besides providing quality sound, Starkey’s new Livio Ai hearing aids have sensors that can track your general health and fitness and also detect if you’ve fallen and then send a message to your contacts. They can also stream your cell phone, TV, music and much more. The overall goal is to make hearing aids cool—to end the stigma of wearing them.

That all sounds exciting for the boomer to millennial generations, but my 87-year-old mom would never be able to

stream music from her phone. As her caregiver I have personally found dealing with her hearing aids very frustrating— including changing those pea-sized batteries, something she can’t do by herself because she has sight and dexterity issues. Any help on the way for her (and me!)?

Yes, rechargeable sealed lithium batteries. Sealed means you don’t have to take them out of the hearing aid to recharge them. Sealing also means they are more humidity resistant— humidity can short out hearing aids. We are also finding custom-fit molds (versus the little rubber domes) are easier to set in place for people with dexterity issues. They also don’t fall out as easily which means they don’t get lost as easily.

Is there any technology on the horizon to make changing those teeny-tiny wax filters any easier? That job is worse than threading a needle.

That’s why it’s good to have a clinic to work with. We realize that job is tough for a lot of our customers so we tell them to just stop in at our desk and we will change the filters.

Which brings me to over-the-counter hearing aids that seem about a third or less of the cost of the hearing aids you get from a clinic. What do you think of those?

Yes, the FDA recently approved over-the-counter hearing aids. They are cheaper. But think of the person who buys a pair, wears them a week and the filters clog up. She has no one to go to for help to change them. And are they programmed for her? And then maybe they get damp and short out. She’s basically just lost her investment. Over the counter hearing aids are best used for backups—for when your real pair is being serviced.

MyNorth INSPIRED LIFE | FALL 2019

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Back in the Conversation Trish Fiebing knew she was somehow missing out. But it wasn’t until the 76-year-old Traverse City resident went to Munson Healthcare’s William and Leni Carls Hearing Clinic to have her hearing checked, at the request of her sons, that she realized her hearing had declined. Fitted with a small, nearly imperceptible pair of hearing aids, Trish suddenly realized what she had been missing.

“

“

I just wanted to run home so my sons could see that I could hear. It was so exciting!” the avid volunteer says. “I’m [now] more comfortable and relaxed, and I don’t have to worry about where I sit. On the phone it makes a big difference. And talking at the dinner table. I don’t miss everything. I’m amazed at how many people ask me why I wear my hearing aids all the time.

And I think ‘Why wouldn’t I?’ Trish got her hearing back and she’s fully experiencing everyday life again.

What will you get back to?

Visit munsonhealthcare.org/liveamazing to read more amazing stories and share your own.

INSPIRED LIFE VOLUNTEERS AT MICHIGAN LEGACY ART PARK HELP KIDS ON FIELD TRIPS MAKE DISCOVERIES ABOUT ART AND HISTORY

9 WAYS TO VOLUNTEER IN THE ARTS Northern Michigan is filled with vibrant, active retirees who find ways to funnel lifelong passions and professional skills into the local causes they support.

And chances are, there’s a welcoming, like-minded community that comes along with it.

We recently checked in with Mary Gillett, the convener of Northwest Michigan Arts & Culture Network on this very topic. She is eager to create an arts ecosystem across our region, a process that involves advocating for arts and culture both individually and collectively. She calls it advocacy with a little ‘a.’ Here are just some of the ways Mary hopes we can build relationships in the arts community and find ideal matches for volunteers and their talents.

1 | ON THE STAGE

Volunteers are the power behind the curtain at civic theaters throughout the region, as well as support for the professional theater. Whether looking for the chance to exercise your acting chops or to work behind the scenes, there are dozens of ways to get involved, including: orchestra, costumes, props, lighting, set construction, stage crew, directors, producers, choreographers, and box office.

• Manistee Civic Players (celebrating its 80th anniversary this season from its historic home stage at the Ramsdell Regional Center for the Arts!)

• Old Town Playhouse, Traverse City

2 | AT OUR ARTS CENTERS

Be a greeter, docent or help out at special events. Also consider asking local gallery owners if they need a hand with artist opening nights or special installations.

• Cadillac Footliters, Cadillac • Benzie County Players

• Dennos Museum Center, Traverse City

• Leelanau Players, Leelanau County

• Interlochen Center for the Arts, Interlochen

• Little Traverse Civic Theatre, Petoskey

• Elizabeth Lane Oliver Center for the Arts, Frankfort

• Elk Rapids Players Theater Company, Elk Rapids

• Crooked Tree Arts Center, Petoskey & Traverse City

• Riverside Shakespeare, Traverse City

• Charlevoix Circle of Arts, Charlevoix

• Lakeside Shakespeare, Frankfort

• Glen Arbor Arts Center, Glen Arbor

• Parallel 45 Theatre, Traverse City

• Leelanau Community Cultural Center, Leland • Ramsdell Regional Center for the Arts, Manistee • Great Lakes Children's Museum, Traverse City

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PHOTO COURTESY MICHIGAN LEGACY ART PARK

INSPIRED LIFE

3 | AT THE FESTIVALS & FAIRS

• Traverse City Film Festival, Traverse City

Festivals, fairs and special events last just a day or two but often require months or even a year of planning—volunteers are needed at all steps!

• Vogue Theatre, Manistee

• Harbor Springs Festival of the Book • Charlevoix Dragon Boat Festival • Paint Grand Traverse, Crooked Tree, Traverse City

• Lyric Theatre, Harbor Springs 7 | MAKING MUSIC

Support our community bands and ensembles!

• Traverse City Film Festival

• Voices Without Borders, Petoskey

• Downtown Traverse City Art Walk

• Little Traverse Choral Society, Petoskey

• Small town and street festivals local to you ...

• Encore Society of Music, Traverse City

4 | SHARING OUR HISTORY

Keep our region’s rich stories relevant and accessible to all.

• Leelanau Historical Society Museum, Leland • Michigan Barn Preservation Network • Fishtown Preservation, Leland

• Elk Rapids Cinema, Elk Rapids

• Historic Tours of the Village at Grand Traverse Commons, Traverse City • Mills Community House, Benzonia

• Traverse Symphony Orchestra, Traverse City • Grand Traverse Pavilions, Concerts on the Lawn • Gopherwood Concerts, Cadillac • Roots on the River, Manistee 8 | DANCING IN THE STREET (AND ON STAGE)

Bringing original choreography and seasonal classics to our regional stages means a need for costumes, sets, makeup, rehearsal assistants, and greenroom support.

• Fife Lake Historical Society

• Northwest Michigan Ballet Theatre, Traverse City

• Charlevoix Historical Society

• Company Dance Traverse

• Harbor Springs Area Historical Society

• SwingShift and the Stars, Traverse City

• Grand Traverse Band of Ottawa and Chippewa Indians

• Traverse City Dance Project

• Little Traverse Bay Bands of Odawa Indians

• The Croft Residency, Horton Bay

5 | CREATIVE OUTDOORS

9 | BUILDING A NETWORK

Guide school tours and educational programming. Also pitch in for summer concerts, winter tours, and with grounds upkeep.

Connecting dots and sharing each other’s stories is crucial to keeping arts and culture vibrant in our lives. Mary at Northwest Michigan Arts & Culture Network is grateful for the many volunteers that keep our arts communities perking Up North. Here are a few needs that she and other networks have: administration, bloggers, community champions, grant writers, volunteer gallery sitters, planners, business mentors and thought leaders. For more info go to NWMIARTS.ORG.

• Michigan Legacy Art Park, Thompsonville • Art Rapids! And Walk of Art Sculpture Park, Elk Rapids • Raven Hill Discovery Center, East Jordan • Paddle Antrim • Traverse City Arts Commission Tours • Grass River Natural Area, Bellaire 6 | GOING TO THE MOVIES

MORE ARTS ORGANIZATIONS TO SUPPORT ...

Celebrate our volunteer-driven regional film houses.

National Writers Series, Traverse City Front Street Writers, Traverse City Battle of the Books, Traverse City Up North Arts, Cadillac Northport Community Arts Center, Northport Arts for All of Northern Michigan, Traverse City

• The Bay Theatre, Suttons Bay • Garden Theater, Frankfort • State Theatre and The Bijou by the Bay, Traverse City

MyNorth INSPIRED LIFE | FALL 2019

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Find us west off of M37 near VanDrie Home Furnishings.

611 Olesons Commerce Dr. Traverse City, MI 49685 | 231.943.3434

INSPIRED LIFE

COASTing the County

PHOTO COURTESY OF BAY AREA TRANSPORTATION AUTHORITY

BY COURTNEY JEROME

“Transportation gets more challenging as you get older. It’s a loss of independence,” says Cindy Kienlen, Director of the Grand Traverse County Commission on Aging. “Fifty percent of the actively driving people we surveyed feared whether they were going to be able to safely drive in the future,” she explains.

“They worry about depending on someone else to drive them everywhere. This survey validated our program.”

Cindy is talking about COAST— short for Commission on Aging Senior Transit—a partnership between the COA and the Bay Area Transportation Authority. The program kicked off its inaugural year in 2017, transporting seniors across Grand Traverse County two to three days a week, free of charge.

Now their 18-seat bus (with room for wheelchairs) provides door-to-door transportation service to seniors four days a week and has provided more than 4,430 rides to date.

In order to utilize this free transportation service, community members first need to be a Grand Traverse

County Commission on Aging member.

All this free membership takes is proving you’re over 60 years old and that you live in Grand Traverse County.

Then, seniors can call BATA up to two weeks in advance to schedule rides. Seats are reserved on a first-come, first-served basis. “Some people literally set their alarms to 4:45 a.m. to schedule their ride,” shares Cindy, noting the phone line opens at 5 a.m. The COAST bus runs on Mondays, Wednesdays, Thursdays, and Fridays from 8 a.m. to 5 p.m. (Starting October 1, Tuesdays will be part of the schedule as well.)

“I think it’s really important for people to feel comfortable with public transportation,” Cindy adds. So that’s what they do. Caregivers are welcome to come along, too, even if they don’t meet the age requirement. Plus the COAST bus often has the same driver. Instead of parking in your driveway to pick you up like other transportation services, the driver will help you right from your door—a huge benefit for those with walkers and wheelchairs—and serves as

a familiar face that brings comfort to riders. And when people pick up the phone to schedule their rides, they’ll hear the friendly voice of one of BATA's helpful Customer Service staff.

Now COAST isn't only used to get to and from medical appointments like you may expect. In fact, medical appointments and runs to the pharmacy take up less than half of the rides.

COAST also makes drop offs for religion, employment, personal visits, and even shopping.

“We have a couple both in wheelchairs—their biggest outing of the week is going grocery shopping together.

People have asked why they don’t get their groceries delivered. But they don’t because this is their outing,” says Cindy.

“They look forward to it!

“For whatever reason, if you need the COAST bus to help you get there, call and schedule a ride,” invites Cindy. Line up a Commission on Aging membership by calling 231.922.4688, and schedule a ride via COAST/BATA at 231.941.2324.

MyNorth INSPIRED LIFE | FALL 2019

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INSPIRED LIFE

COOKING UP COMMUNITY

BY COURTNEY JEROME

Whether you want to stay connected or keep your kitchen (and dinner party) skills tip-top... there’s a cooking class waiting for you in Northern Michigan.

We checked in with Liz Lancashire of the well-loved oil and vinegar purveyor, Fustini’s, to find out what’s cooking at their Traverse City location.

Can you tell us about the teaching styles of your instructors?

The chefs are very good at answering all questions (there are no dumb ones!) and make sure their recipes are approachable. We want these recipes to be easily replicated at home. Students will definitely get generous samples of whatever is made! It is a fun, social evening out with up to 10 people in each class. We have both demos and handson interactive classes.

What are the top techniques people tend to learn?

Most of all, people love learning new ways to use their favorite oils and vinegars. Sometimes they have vinegar that’s been relegated to the back of the cupboard, and they get new inspiration on how to use it. Or maybe they learned a great new way to make pasta for their next event. From learning the difference between a quality olive oil versus a commercial one, or learning alternate uses for vinegars, it is definitely a great way to inspire new and experienced cooks.

How about the social aspect of the class? It’s more than just cooking!

Absolutely! With intimate sizes, guests really enjoy getting to know each other and share ideas in a relaxed setting. More than once, friendships have formed in class and it is always great to see guests returning to class with friends or relatives. Sometimes participants share cooking ideas and uses too; it's wonderful to witness how food can bring us all together.

Find Fustini’s fall schedule at Fustinis.com.

GET COOKING ACROSS THE NORTH

Oryana Community Co-Op, Traverse City This September, learn how to embrace the flavors of the fall season by making tacos from scratch or creating a vegan meal featuring produce from fall harvest. You can also become more comfortable in the kitchen by joining their free Monday evening culinary classes.

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MyNorth.com

Crooked Tree Arts Center, Petoskey Each class at their commercial kitchen in Petoskey features a guest chef from a local restaurant. The fall season begins on September 24, and includes popular restaurants such as Chandlers, The Pier, Petoskey Cheese, Walloon Lake Inn, The Cantina, That French Place, Grey Gables, Willows, Pour and The New York!

NMC Extended Education, Traverse City Learn both new and old fall favorites via themed culinary classes from NMC. Amazing Apples; Pumpkin: Beyond Pie; Sheet Pan Dinners; Soup: Comfort in a Bowl; Authentic French Crepes and Cajun-Creole Cuisine are on the lineup. Is your mouth watering yet?!

PHOTO COURTESY OF FUSTINI'S

Oliver Art Center, Frankfort Famed former restaurateur Joe Meur instructs a seafood class in Frankfort on September 25. He teaches some of Oliver Art Center’s most popular culinary arts classes, interweaving his expertise as a chef with a fun sense of humor.