ROCHESTER | NEW YORK | VOL. 3
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FEATURES 4
Country Club Weddings
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Luxury Living Ideas
16
Exciting Travel Destinations
22 Countdown to Retirement
2019 SCHEDULES
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LPGA Tournaments
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PGA Tournaments
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Grand Slam Tennis Tournaments - Wimbledon
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Grand Slam Tennis Tournaments - US Open
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Recommended Service Directory
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COUNTRY CLUB WEDDINGS Looking for an elegant and classic wedding venue to celebrate your big day? Country clubs are ideal for a variety of reasons. Here are some reasons why country club wedding venues are among our favorites. It’s a classic venue. A country club wedding has long been a time-honored tradition for couples with family ties to a members-only venue. Childhood memories of playing tennis or learning to expertly hit 18 holes can add sentimental meaning to a country club wedding. A country club also provides a familiar, picturesque venue. Expansive green spaces pair up with a stately ballroom to offer a magazine-worthy setting for a large indoor-outdoor wedding. Not a member of a nearby club? Some clubs are open to the public for events, while some private clubs will allow non-member weddings if the couple is “sponsored” by a member—meaning you just have to know someone who can connect you with the club’s in-house wedding planner. It offers a one-stop-shop. Like a hotel, a country club often has many wedding services on-site. Catering, flowers, linen rentals and even the wedding planner may all be available for one package price that can reduce planning time and stress. All you have to do is worry about finding the perfect country club-appropriate wedding attire for you and your wedding party. It’s a great place to have a rain backup plan. Maybe you’ve always dreamed of getting married in an outdoor ceremony—but then the skies open up right before you walk down the outdoor aisle. A country club offers the peace of mind of a rain plan with multiple ballrooms, dining rooms and other suitable indoor venues that can work as a stand-by on your big day. It can accommodate many sizes of weddings. Those aforementioned outdoor spaces, ballrooms and dining rooms also mean a country club can accommodate a variety of wedding sizes. Want an intimate wedding for 20? That gazebo in the formal gardens might make a great place for your I Do’s. Is a wedding for 250 of your friends and family more your style? Many country clubs can host very large weddings in their wow-worthy ballrooms, too. Two words: lawn games Those green spaces can do a lot more than hold chairs for your wedding ceremony. The large swaths of grass at a country club are a great space to entertain your guests with classic games like croquet, bocce ball and corn hole. And don’t let the golf course go to waste! A round of golf for your guests should definitely be in order at some point during the wedding weekend.
Bianco, Katie (2017, March 8). 5 Reasons to Get Married ... at a Country Club [Web log post]. Retrieved from https://www.weddingwire.com/wedding-ideas/5-reasons-to-get-married-at-a-country-club
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LUXURY
LIVING IDEAS OPEN FLOOR PLANS
A Luxurious home is not just well appointed, it is one where the amenities allow you to feel spoiled. Pools, saunas, in-home gyms, backyard tennis courts, game rooms, and wine cellars are a few things that come to mind.
An open floor plan is one of the most sought-after criteria when deciding on a new home purchase or a new renovation idea. An open and airy floor plan allows the homeowner to elaborate on their design aesthetic and showcase the home’s individual, luxurious features, like a grand entryway or a beautifully designed staircase.
OUTDOOR KITCHENS If opulence and luxury are key, then a standard, fully-stocked kitchen is simply no longer enough. One may consider adding a cozy outdoor living area complete with outdoor kitchen, featuring built-in gas grills and refrigerated food and drink storage. Some other top amenities include expansive outdoor pools with water features such as waterfalls, hot tubs, changing cabanas, and saunas.
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WINE CELLARS Exquisite wine storage is another amenity that most affluent homes contain. Private wine cellars built using materials such as glass and wood and are often thought to be works of art themselves. When considering one of these beauties, many factors come into play. One will want to consider the placement, temperature, humidity control, and of course bottle size accommodations.
LOCATION IS EVERYTHING When it comes to luxury home ownership, nothing beats a great location. Everyone desires their own slice of blissful paradise. One of the most important aspects to consider are privacy features such as bushes, hedges, trees or walls. The right landscape design features provide a concealed oasis, where one can relax and wind down. Picture yourself in a secluded ranch or gated beachfront enclave! (... continued on page 10) 8
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GAME ROOMS Game rooms or entertainment rooms are an old idea, but still on top of the list of luxury living ideas. Some would argue a luxury home is not complete without an in-home theatre or game room. The boundaries continue to be expanded with extra amenities such as indoor basketball courts, lavish sports bar set-ups, exquisite billiard areas, additional televisions and beverage storage.
IN-HOME TECHNOLOGY This newer trend has taken over the luxury market by storm, and these technological innovations have garnered the new term of “Smart Homes,� and along with it, smart devices. When it comes to technology, most luxury builders cater
to this tech-trend and offer amenities to help with just about all facets of home management. Some things you can do at the touch of a button or smartphone are control indoor climate, window and door security, and lighting. Additionally, an integrated smart home provides the owner with remote access cameras and security systems. (... continued on page 12)
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ROCHESTER | NEW YORK | VOL. 2
DRESSING ROOMS A dressing room is simply an extension of the master bedroom. This feature is commonly a top priority for the wealthy, as it functions as a place to both store and display lavish items such as purses, shoes, hats, and jewelry. There is an increasing demand among the jet-set crowd for larger and more lavish closet designs. Typical setups include cedar shelving, storage chests, ample lighting, and mirrors for cosmetics or modeling outfits.
LUXURY LIVING IDEAS
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TRENDING LOCATIONS FOR A GREAT VACATION
EXCITING TRAVEL
Destinations If you are looking for some exciting and awe inspiring travel destinations, consider the following locations.
1. Sweden, a Scandinavian nation in Europe, offers some wonderful natural experiences and places to visit. Enjoy hiking in vast boreal forests and witness an all-white wild moose. Most principal cities, including Stockholm, are all coastal and offer breathtaking views of the towns and waterfront areas. There are historic medieval towns, an abundance of bridges, royal palaces, and musems to visit. Another sight you will not want to miss, are the Northern Lights in Lapland. 2. Tenerife, Spain is the largest of the Canary Islands, which is dominated by Spain’s tallest peak, and dormant volcano, Mt. Teide. Enjoy parades, music, dancing, and a variety of colorful costumes at the Carnaval de Santa Cruz. The island hosts many beaches, some featuring black sand, resort areas to enjoy your stay, high-end restaurants, night clubs, golf courses, and water based sports. 3. Greece, a southeastern European country with thousands of islands to explore and enjoy. (...continued on page 18)
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There are a vast amount of sites to visit and places to see that tickle any particular interest. With a plethora of archaeological sites, museums, and historical tours, there is a lot to see and do. To name a few notable sites, The Acropolis is a must see as it is home to some of the most marvelous architectural feats known to exist by this advanced civilization, including the Parthenon and Erecthion. Panathinaiko Stadium in Athens, is the world’s only stadium built in its entirety of marble. This site is home to the first modern Olympics in 1896, where it held
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a whopping 80,000 people. Aside from the numerous archeologic areas, Greece also has wonderful beaches, hotels, bars, restaurants, tours, ferries, and charters 4. France, known for its exquisite cuisine, is also home to famous fashion houses, many classical art museums including the Louvre, and monuments such as the Eiffel Tower, the Seine, Notre-Dame cathedral, Arc de Triomphe, and the Palace of Versailles. There are also magnificent parks, great music, ancient cave drawings, and renowned wine tasting sites.
LPGA TOURNAMENT SCHEDULE DATES JAN 17 - 20 FEB 6 - 10 FEB 13 - 17 FEB 20 - 24 FEB 27 - MAR 3 MAR 21 - 24 MAR 28 - 31 APR 4 - 7 APR 17 - 20 APR 25 - 28 MAY 2 - 5 MAY 23 - 26 MAY 30 - JUN 2 JUN 7 - 9 JUN 13 - 16 JUN 20 - 23 JUN 28 - 30 JUL 4 - 7 JUL 11 - 14 JUL 17 - 20 JUL 25 - 28 AUG 1 - 4 AUG 8 - 11 AUG 22 - 25 AUG 29 - SEP 1 SEP 12 - 15 SEP 26 - 29 OCT 3 - 6 OCT 16 - 20 OCT 23 - 27 OCT 30 - NOV 3 NOV 7 - 10 NOV 13 - 16 NOV 21 - 24
TOURNAMENT
Diamond Resorts Tournament of Champions Four Season Golf, Lake Buena Vista, FL 32830 Vic Open 13th Beach Golf Links, Victoria, Australia 3227 ISPS Handa Women’s Australian Open The Grange Golf Club, Grange, South Australia Honda LPGA Thailand Siam CC - Old Course, Chonburi, Thailand 20150 HSBC Women’s World Championship Sentosa GC-New Tanjong Course, Singapore 099892 Bank Of Hope Founders Cup Wildfire GC, Phoenix AZ 85054 Kia Classic Aviara GC, Carlsbad, CA 92009 ANA Inspiration Mission Hills CC, Rancho Mirage, CA 92270 LOTTE Championship Ko Olina GC, Oahu, HI 96707 Hugel-Air Premia LA Open Wilshire CC, Los Angeles, CA 90004 LPGA MEDIHEAL Championship Lake Merced GC, Daly City, CA 94015 Pure Silk Championship Kingsmill Resort, Williamsburg, VA 23185 U.S. Women’s Open Championship CC of Charleston, Charleston, SC 29412 ShopRite LPGA Classic Presented by Acer Stockton Seaview Hotel & GC, Galloway, NJ 08205 Meijer LPGA Classic For Simply Give Blythefield CC, Grand Rapids, MI 49305 KPMG Women’s PGA Championship Hazeltine Nat’l GC, Chaska, MN 55318 Walmart NW Arkansas Championship Pinnacle CC, Rogers, AR 72758 Thornberry Creek LPGA Classic Thornberry Creek Oneida, Oneida, WI 54155 Marathon Classic Highland Meadows GC, Sylvania, OH 43560 Dow Great Lakes Bay Invitational Midland CC, Midland, MI 48642 The Evian Championship Evian Resort GC, 74500 Evian-les-Bains, France AIG Women’s British Open Woburn GC, Milton Keynes, England MK179LJ Aberdeen Standard Investments Ladies Scottish Open The Renaissance Club, North Berwick, Scotland EH39 5HS CP Women’s Open Magna Golf Club, Ontario, Canada L4G 7C3 Cambia Portland Classic Columbia Edgewater CC, Portland, OR 97211 Solheim Cup PGA Centenary Course, Perthshire Scotland PH3 1NF Indy Women In Tech Championship Brickyard Crossing, Indianapolis, IN 46222 Volunteers of America Classic Old American GC, The Colony, TX 75056 Buick LPGA Shanghai
Shanghai Qizhong Garden GC, Minhang District, Shanghai, China
BMW Ladies Championship LPGA International Busan, South Korea Swinging Skirts LPGA Taiwan Championship TOTO Japan Classic Seta Golf Course-North, Shiga, Japan To Be Announced CME Group Tour Championship Ritz Carlton Golf Resort-Tiburon GC, Naples, FL 34109
* Schedule subject to change PURSE
DEFENDING CHAMPION
$1,200,000
(Inaugural Year)
$1,100,000
Minjee Lee
$1,300,000
Jin Young Ko
$1,600,000
Jessica Korda
$1,500,000
Michelle Wie
$1,500,000
Inbee Park
$1,800,000
Eun-Hee Ji
$3,000,000
Pernilla Lindberg
$2,000,000
Brooke Henderson
$1,500,000
Moriya Jutanugarn
$1,800,000
Lydia Ko
$1,300,000
Brittany Lincicome
$5,000,000
Ariya Jutanugarn
$1,750,000
Annie Park
$2,000,000
So Yeon Ryu
$3,850,000
Sung Hyun Park
$2,000,000
Nasa Hataoka
$2,000,000
Sei Young Kim
$1,750,000
Thidapa Suwannapura
$2,000,000
(Inaugural Year)
$4,100,000
Angela Stanford
$3,250,000
Georgia Hall
$1,500,000
Ariya Jutanugarn
$2,250,000
Brooke Henderson
$1,300,000
Marina Alex Team USA
$2,000,000
Sung Hyun Park
$1,300,000
Sung Hyun Park
$2,100,000
Danielle Kang
$2,000,000
(Inaugural Year)
$2,200,000
Nelly Korda
$1,500,000
Nasa Hataoka
$2,100,000 $5,000,000
Lexi Thompson
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PGA TOURNAMENT SCHEDULE
20
DATES
TOURNAMENT
DEFENDING CHAMPION
MAR 21 - 24
Valspar Championship Innisbrook Resort (Copperhead), Palm Harbor, FL
Paul Casey $1,170,000
MAR 27 - 31
World Golf Championships-Dell Technologies Match Play Austin Country Club, Austin, TX
Bubba Watson $1,700,000
MAR 28 - 31
Corales Puntacana Resort & Club Championship Corales Golf Club, Punta Cana, DOM
Brice Garnett $540,000
APR 4 - 7
Valero Texas Open TPC San Antonio - AT&T Oaks, San Antonio, TX
Andrew Landry $1,116,000
APR 11 - 14
Masters Tournament Augusta National GC, Augusta, GA
Patrick Reed $1,980,000
APR 18 - 21
RBC Heritage Harbour Town GL, Hilton Head, SC
Satoshi Kodaira $1,206,000
APR 25 - 28
Zurich Classic of New Orleans TPC Louisiana, Avondale, LA
B. Horschel / S. Piercy $1,036,800
MAY 2 - 5
Wells Fargo Championship Quail Hollow Club, Charlotte, NC
Jason Day $1,386,000
MAY 9 - 12
AT&T Byron Nelson Trinity Forest Golf Club, Dallas, TX
Aaron Wise $1,386,000
MAY 16 - 19
PGA Championship Bethpage State Park BK Course, Bethpage, NY
Brooks Koepka $1,980,000
MAY 23 - 26
Charles Schwab Challenge Colonial CC, Fort Worth, TX
Justin Rose $1,278,000
MAY 30 - JUN 2
The Memorial Tournament presented by Nationwide Muirfield Village GC, Dublin, OH
Bryson DeChambeau $1,602,000
JUN 6 - 9
RBC Canadian Open Hamilton Golf & Country Club, Hamilton, ON CAN
Dustin Johnson $1,116,000
JUN 13 - 16
U.S. Open Pebble Beach Golf Links, Pebble Beach, CA
Brooks Koepka $2,160,000
JUN 20 - 23
Travelers Championship TPC River Highlands, Cromwell, CT
Bubba Watson $1,260,000
JUN 27 - 30
Rocket Mortgage Classic Detroit Golf Club, Detroit, MI
JUL 4 - 7
3M Open TPC Twin Cities, Blaine, MN
JUL 11 - 14
John Deere Classic TPC Deere Run, Silvis, IL
Michael Kim $1,044,000
JUL 18 - 21
Barbasol Championship Keene Trace Golf Club, Nicholasville, KY
Troy Merritt $630,000
JUL 18 - 21
The Open Championship Royal Portrush Golf Club, Portrush, NIR
Francesco Molinari $1,890,000
JUL 25 - 28
World Golf Championships-FedEx St. Jude Invitational TPC Southwind, Memphis, TN
Justin Thomas $1,700,000
JUL 25 - 28
Reno-Tahoe Tournament Montreux G&CC, Reno, NV
Andrew Putnam $612,000
AUG 1 - 4
Wyndham Championship Sedgefield CC, Greensboro, NC
Brandt Snedeker $1,080,000
AUG 8 - 11
THE NORTHERN TRUST Liberty National GC, Jersey City, NJ
Bryson DeChambeau $1,620,000
AUG 15 - 18
BMW Championship Medinah CC (No. 3), Medinah, IL
Keegan Bradley $1,620,000
AUG 22 - 25
TOUR Championship East Lake GC, Atlanta, GA
Xander Schauffele $1,575,000
This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.
Donate today at redcross.org
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ROCHESTER | NEW YORK | VOL. 2
The Countdown
To Retirement
Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement.
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Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less.
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Do a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point.
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Don’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.
Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.
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ROCHESTER | NEW YORK | VOL. 2
Pad your nest egg If you already have healthy savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account.
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Why do it You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement. If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.
Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1.
In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs.
2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt.
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ROCHESTER | NEW YORK | VOL. 2
Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress.
The sweet spot • Balanced mutual funds: Seek a mix of stocks and bonds; a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.
Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.) • Series I inflation-protected savings bonds (sold at treasurydirect.gov)
Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1.
Do I work in a stable and growing industry?
2.
Do I work for a stable and growing company?
3.
Is my heart still in it?
Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.
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Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. But you still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.
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How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.
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Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin.com/learning and get online access to thousands of business, creative and technology courses for $30 per month. Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post].
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Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html
S CAN T H E CO DE
READ THIS ISSUE ONLINE
www.PrivateClubFocus.com PR O MOTE YO UR BR A N D
EARN NEW CL I E N TS
G R O W YOUR BUSI N ESS
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GRAND SLAM TOURNAMENT SCHEDULE DATE
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PLAY START
SESSION
Mon Jul 1
12:00 PM
First Round
Tues Jul 2
12:00 PM
First Round
Wed Jul 3
12:00 PM
Second Round
Thu Jul 4
12:00 PM
Second Round
Fri Jul 5
12:00 PM
Third Round
Sat Jul 6
12:00 PM
Third Round
Sun Jul 7
–
Mon Jul 8
12:00 PM
Round of 16
Tue Jul 9
12:00 PM
Womens Quarterfinals
Wed Jul 10
12:00 PM
Mens Quarterfinals
Thu Jul 11
12:00 PM
Womens Semifinals
Fri Jul 12
12:00 PM
Mens Semifinals
Sat Jul 13
12:00 PM
Womens Finals
Sun Jul 14
12:00 PM
Mens Finals
No Play
GRAND SLAM TOURNAMENT SCHEDULE SESSION
DATE
SCHEDULE
PLAY START
MATCHES
1
Mon 26 Aug
Day
11:00 AM
Men’s / Women’s R1
2
Mon 26 Aug
Night
7:00 PM
Men’s / Women’s R1
3
Tue 27 Aug
Day
11:00 AM
Men’s / Women’s R1
4
Tue 27 Aug
Night
7:00 PM
Men’s / Women’s R1
5
Wed 28 Aug
Day
11:00 AM
Men’s / Women’s R2
6
Wed 28 Aug
Night
7:00 PM
Men’s / Women’s R2
7
Thu 29 Aug
Day
11:00 AM
Men’s / Women’s R2
8
Thu 29 Aug
Night
7:00 PM
Men’s / Women’s R2
9
Fri 30 Aug
Day
11:00 AM
Men’s / Women’s R3
10
Fri 30 Aug
Night
7:00 PM
Men’s / Women’s R3
11
Sat 31 Aug
Day
11:00 AM
Men’s / Women’s R3
12
Sat 31 Aug
Night
7:00 PM
Men’s / Women’s R3
13
Sun 1 Sep
Day
11:00 AM
Men’s / Women’s Round of 16
14
Sun 1 Sep
Night
7:00 PM
Men’s / Women’s Round of 16
15
Mon 2 Sep
Day
11:00 AM
Men’s / Women’s Round of 16
16
Mon 2 Sep
Night
7:00 PM
Men’s / Women’s Round of 16
17
Tue 3 Sep
Day
11:00 AM
Men’s / Women’s Quarterfinals
18
Tue 3 Sep
Night
7:00 PM
Men’s / Women’s Quarterfinals
19
Wed 4 Sep
Day
11:00 AM
Men’s / Women’s Quarterfinals
20
Wed 4 Sep
Night
7:00 PM
Men’s / Women’s Quarterfinals
21
Thu 5 Sep
Night
7:00 PM
Women’s Semifinals
22
Fri 6 Sep
Day
12:00 PM
Mixed Doubles Final / Men’s Semifinals
23
Sat 7 Sep
Day
12:00 PM
Men’s Doubles Final / Women’s Final
24
Sun 8 Sep
Day
1:00 PM
Women’s Doubles Final / Men’s Final
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RECOMMENDED SERVICE DIRECTORY
ATTORNEYS AT LAW Boylan Code .................................................................3
NON PROFIT ORGANIZATION American Red Cross ................................................ 21
AUDIO / VISUAL SERVICES WOW Werks ................................................................17
REAL ESTATE AGENT Judys Broker Network .......................... Front Cover, 1
BAKERY Leo’s Bakery & Deli.....................................................7
REAL ESTATE BROKER Judys Broker Network .......................... Front Cover, 1
BOOK PUBLISHING Starry Night Publishing ............................................17
RETIREMENT COMMUNITY The Highlands at Pittsford ........... Front Inside Cover
COMMERCIAL VEHICLES Alliance Fleet .................................... Back Inside Cover
STATIONARY Paper Rozzi Invitations & Stationary ....................5
DECK BUILDER Undercover Systems. ..........................................14-15
UNDER DECK WATERPROOFING Undercover Systems ...........................................14-15
EVENT LIGHTING AND PRODUCTION WOW Werks ................................................................17
WEALTH MANAGEMENT Seneca Financial Advisors ..................................... 13
FINANCIAL ADVISORS Seneca Financial Advisors ..................................... 13
WEDDINGS & EVENTS Paper Rozzi Invitations & Stationary ....................5
FINANCIAL PLANNER FInancial Partners of Upstate New York ..............9 GOURMET FOODS Leo’s Bakery & Deli.....................................................7 INVITATIONS Paper Rozzi Invitations & Stationary ....................5 MEDICAL SUPPLIES Westside Medical Supply ......................... Back Cover MORTGAGES Mike Davis Mortgage Team of Prime Lending .. 11
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