Retiring Right PALM SPRINGS
COVER RENTING
OR LEASING
YOUR RETIREMENT HOME - P.13
LOOKING YOUR BEST
AT ANY AGE - P.44
REGIONAL ATTRACTIONS IN PALM SPRINGS AREA - P.54
YOUR SMILE SAYS IT ALL.
We are committed to helping you look, feel and smile your best.
Crowns
Visibly restores a tooth’s shape,size, and strength.
Whitening
Enhances the brightness of natural teeth.
Dental Hygiene Routine dental checkups are vital to good hygiene and care.
Veneers
Covers teeth with a custom-made shell of tooth colored porcelain.
Call Today! 760.283.7999 palmspringsmoderndentistry.com
Fillings
Repairs and restores the surface of a damaged tooth.
Emergency
Stay calm. Focus on stopping the bleeding and protecting the tooth.
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Table of Contents FIND YOUR PERFECT HOME FOR RETIREMENT . . . . . . . . . . . 9
DINING AND ENTERTAINMENT . . . .
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AGUA CALIENTE . . . . . . . . . .
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RENT OR LEASE YOUR RETIREMENT HOME . . . . . . . . .
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GOLF AND RECREATION . . . . . . . 33
TRILOGY AT THE POLO CLUB . . . . .
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HEALTH CARE . . . . . . . . . . . . 38
TRAVELLING PALM SPRINGS WITH AN RV . . . . . . . . . . . .
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PALM SPRINGS FACTS & FIGURES . . . 23
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LOOKING YOUR BEST AT ANY AGE . .
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PLANNING LONG-TERM CARE . . . . . 48 REGIONAL ATTRACTIONS . . . . . .
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Retiring Right 55+ ACTIVE ADULT COMMUNITIES . . . 56 MONEY MANAGEMENT . . . . . . . . 58 COST OF RETIREMENT . . . . . . . . 62
Executive Director . . . . . Editor . . . . . . . . . . . . Designer . . . . . . . . . . Contributors . . . . . . . .
Tane Cabe Arlyn Lawrence Sarah Egberts Heather Sipes, Arlyn Lawrence, Mary Morrison
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HEALTH CARE LEADER Coachella Valley
MEDICAL NETWORK THAT CARES Desert Care Network is deeply engrained in the greater Palm Springs community. We live here. We work here. We take care of patients here. Part of our mission is to support the health of the community by providing outreach programs. For more information on the selection of programs, call (800) 491-4990 or visit: www.desertcarenetwork.com
OUTREACH PROGRAMS: Community FItness gym, Cardiac rehabilitation, Chronic Illness support groups, Diabetes education, Pulmonary rehabilitation, referral services
Is Palm Springs Your New Home? THE MOST COMMON QUESTION I hear from people of retirement age is: “where should we retire?” This can be a challenging question to answer because there are so many reasons why retirees want to relocate. Sometimes it’s proximity to grandchildren or escaping the cold weather. Also at the top of the list is what you get for your money when it comes to real estate, avoiding high taxes, and having a reasonable cost of living. Other considerations are the proximity to state-of-the-art medical facilities, the availability of outdoor activities, the arts and entertainment scene, and an overall lifestyle an area provides. The list of aspects to consider when determining where to retire is endless!
However, one thing is certain: the process of deciding where to retire can be overwhelming! I created Retiring Right to help guide people like you along this journey. In this “Guide to Palm Springs, California” you will find everything you need to explore the Palm Springs retirement lifestyle. The guide is full of information on everything from real estate prices, to available medical facilities, to must-visit restaurants. No matter where you plan to retire, Retiring Right is dedicated to educating you on all your options when it comes to making the right retirement choices. I would like to extend my personal thank you for reading this “Guide to Palm Springs, California.” If you enjoy the guide and want more information, please email me: tane@retiringright.us. For more retirement guides, and locations, please be sure to visit our website www.retiringright.us. Tane Cabe Founder and Executive Director www.retiringright.us
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Find the Perfect Home For Retirement by Mary Morrison
WHETHER YOU’RE STILL WORKING a successful
career, nearing retirement, or somewhere in between, imagining your perfect retirement home can seem like a faraway dream. But it doesn’t have to be; a little preparation can put you on the path to making your dream a reality! Start by determining the best location, size and price that work for you. LOCATION FIXATION Some homebuyers elect to buy homes in their current community while others move across the country or the next state over. Whatever you decide, it’s important to identify the factors you want in a community and research locations before you buy. Several factors may influence your decision. Do you want friends and family nearby? Will you need to take care of aging parents? Do you have hobbies or interests that affect where you would want to live? Will you work through retirement? Addressing these issues openly and honestly will bring you closer to success. Also, check local statistics. According to industry experts, a low crime rate, safe downtown, good hospitals, low tax rate, and
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mild climate round out the top five considerations of retirement homebuyers. After selecting an area, think about the type of neighborhood best suited for you. Urban locations offer walking distance to restaurants, shops, and schools. Suburbs offer more home for the money, albeit a bit further away from city centers. Homes on busy streets often come with lower price tags, if you don’t mind the hustle and bustle. Cul-de-sacs provide quiet space and the opportunity to know your neighbors. Corner lots offer more room, fewer neighbors and more privacy. Many retirees prefer gated 55-plus age-restricted communities. Identifying your preferred neighborhoods will make your search easier.
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SIZE MATTERS Figuring your space requirements becomes the next priority. Start by identifying the minimum square footage and number of bedrooms you need to comfortably live now and 20 years from now, then add extra space as needed. Do you entertain or expect family to stay often? Add on extra bedroom(s). Also, what interests do you have or want to start? You may need additional space for creative endeavors. Thinking about working part-time or consulting in retirement? Include space for your next side hustle! Remember, it’s easier to plan for more space in the beginning of a home search than it is to add space later. FIND YOUR PRICE RANGE After you identify the location and size of the retirement home you want, it’s time to think about the price range you want to include in your search. If you choose a range that doesn’t include the absolute high and low ends of your budget, you could miss out on finding the right home. Some homebuyers assume negotiations will be part of the deal and pad their price range accordingly. While this might be the case in some instances,
doing so could lead to a lot of wasted time looking at homes that don’t fit your criteria because they cost too much, or the sellers won’t move on price. In addition, check the housing market temperature of the area you’re interested in. It can be hot, cold, or neutral. In a seller’s market (hot), sellers will likely get their asking price. In some cases, sellers can receive multiple offers, which can result in a price going higher than list price. If this is the case, looking at homes priced a bit lower could lead to success. Conversely, in a buyer’s market (cold), most sellers will negotiate with you. This leaves room for you to include homes priced slightly beyond your price range. In a neutral market, the number of buyers equals the number of sellers so there’s less chance of any volatile swings in price or negotiations. READY, SET … SEARCH! After you determine the best location, size, and price that works best for you, finding potential homes becomes easier no matter where your search takes you. Ready to make your dream a reality? Visit www.retiringright.us/realestate to find out what’s available today!
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K. Hovnanian’s® Four Seasons at Terra Lago is an active adult new home community for those 55+ located in Indio, CA. Experience The Lodge, home to recreation, sports courts, fitness center, a bistro & activities. This is resort-style living at its best! K. Hovnanian® Homes is heir to a history of solid success, financial strength, award-winning standards of homebuilding quality and an authentic commitment to customer satisfaction.
36 HOME DESIGNS TO CHOOSE FROM We have a variety of floor plans to fit your families needs, if you don’t see what you are looking for we have New Home Sales consultants to help. visit : www.khov.com
5 UNIQUE FLOOR PLANS With a classic Spanish style architecture, each one of the five unique floor plans masterfully blends style with function.
Domani is an age-preferred new home community of 202 homes, ideally situated in Palm Desert. Domani’s upscale single story home designs, with courtyard and backyard orientations, take advantage of spectacular surrounding California mountain views. This active adult community provides homeowners with wonderful opportunities nearby for shopping, dining, recreation and entertainment. And, with the low maintenance lifestyle Domani provides, there will be plenty of time to enjoy everything Greater Palm Springs offers! visit: www.domanipalmdesert.com for more information.
Renting or Leasing
Your Retirement Home by Arlyn Lawrence WHO WOULDN’T WANT to own a home where
the sun (almost always) shines? If you have the means, it should be a no-brainer, right? Not necessarily. Though it may pencil out fine on paper, buying is not always the most economical or sensible option for securing a vacation or seasonal home, even if you do have the cash on hand. No matter how you look at it, buying a second home is an enormous financial commitment. You may have two simultaneous mortgages. You’ll have to pay for utilities, maintenance, and property taxes. On top of that, you’ll need to factor in the cost of
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insuring and furnishing the second property, not to mention decorating and everything necessary to live in it: sheets, towels, dishes, etc. That’s a lot of expense! With these factors in mind, sometimes it is better to rent or lease your seasonal home. For whatever reason you may choose to lease a home (such as wanting to check out the area before committing to it), here are some things you’ll want to think about as you go about it:
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1. GIVE YOURSELF TIME TO LOOK THOROUGHLY Avoid looking in peak season or deciding on short notice; try to start your researching and planning at least six months (but preferably a year) in advance of when you’d like to visit or move to your chosen location. Remember that vacation rentals—at least, the good ones—usually book up fast. 2. INVESTIGATE MULTIPLE SOURCES It’s very important to consult a variety of sources when vacation-house hunting. Online local newspapers and Craigslist can be helpful (although watch for scams and make sure the owners you contact are who they say they are), as are websites that specialize in vacation rentals, such as AirBnb.com, VRBO.com, HomeAway.com, or VacationRentals.com. These sites provide details on rentals in all 50 states and numerous countries throughout the world. By shopping around, you can learn more about the area you are visiting, as well as possibly find yourself a better deal.
ule, and also your responsibilities and your liability in case of damages or if extra cleaning is needed, including: • Security deposit • Utility bills • Internet • Phone service • Cable • Cleaning/housekeeping •P ropane/gas – if outdoor barbecue is available 5. DOCUMENT EVERYTHING The day you check in to your vacation rental, take a photo and/or video of the property and especially any existing damage. Before you check out, do a walk-through, preferably with the owner of the property, if possible. Again, take photos and/or video. If there is a discrepancy later on, this documentation may come in handy.
3. READ REVIEWS Most online booking agencies will post reviews from past clients who stayed at the property. This will be one of the best ways to get a sense of the quality and integrity of the property and its owners, and to get extra information about the home and its surroundings. 4. READ YOUR CONTRACT CAREFULLY In your excitement about your new vacation home, don’t skip this important step. Your rental contract outlines your payment sched-
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Renting or leasing a home is a great way to get to know your new retirement or vacation community before, or instead of, actually buying a home there. With thorough and advanced planning, you can make your stay even more enjoyable and affordable!
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JOIN US AT OUR OPEN HOUSES visit paulkaplanrealtor.com for the schedule We know you have questions and we have answers! We’d love to chat with you so please drop us a line. 760.459.1396
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TRILOGY at the
POLO CLUB by Heather Sipes A 55+ COMMUNITY Community pools and tennis courts, stunning dessert gardens and landscapes, a golf course and fitness studio, room to spread out, walking and biking trails, and the chance to shape the future of your own active lifestyle. What do all of these things have in common? They are all a part of what Trilogy at the Polo Club has to offer. This 55+ community by Shea Homes is a rather new addition to the Greater Palm Springs area, and could very well be your dream destination for life! Here you’ll find creatively crafted designs, community plans, and purchasing options to fit your lifestyle in retirement. The Shea family has a longstanding commitment to quality, with a legacy of building comfortable and thoughtful neighborhoods for Americans from coast to coast. The goal behind Trilogy is
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this: offer amazing resort communities for discerning buyers who are turning the page from raising children and growing their careers to an entirely new chapter: a chapter now more about them than in any other time in their life. During these years, you have the opportunity rediscover your passions, gain new ones, embrace opportunities of all varieties, and create
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lifelong friendships with people who are on a similar journey. Trilogy at the Polo Club can be the venue you to help you do this, helping you find “the good life” every single day. Nestled between the Santa Rosa and Chocolate Mountains just 20 miles from Palm Desert, you will find a lot more than uniquely designed homes. The Trilogy community brings people together through activities, concerts, classes, and clubs, setting the stage for its homeowners to have fun—every single day.
The family and staff at Shea Homes understand that buying a home after 55 can be a daunting undertaking. You may have a lot of questions about. That’s why they make themselves available, in person, to address your individual needs and questions. Whether you’re downsizing, looking to add some extra space for visitors, or are buying for the first time, Trilogy and Shea Homes want to make it a comfortable and seamless experience for you at every step along the way.
Trilogy at the Polo Club is currently introducing an all new collection of homes called the Freedom Collection, offering luxury at a terrific value, starting in the high $200s. You can now see the grand opening of seven new model homes, and experience the unique design, indoor-outdoor living, and open floor plans only available at Trilogy.
See how where you live can truly transform how you live. We invite you to join the movement and enjoy the good life every day! For more information on Trilogy at the Polo Club, to schedule a tour, or to talk to someone about purchasing options, you can visit www.trilogylife.com or call (760) 621-5068. Don’t hesitate to start living the best possible version of your life now.
Don’t hesitate to start living the best possible version of your life now.
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Toscana, a vibrantly social place where friends are joined in a celebration of a Tuscan-inspired lifestyle in glorious Indian Wells, California. When it comes to socializing, Members can choose from an exciting array of activities like golf and tennis tournaments, dance lessons, martini parties, tennis mixers, cooking classes, bocce ball, barbecues, and more. The Club also hosts holiday camps and activities for visiting children and grandchildren. Adding to the Tuscan villa-like atmosphere is a quaint, central post office building where residents often meet while picking up their mail. Toscana Members often say that the friendships made within the community are the best part of membership
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Enjoy Greater Palm Springs from Your RV by Mary Morrison YOU MAY KNOW Greater Palm Springs for its
perfect weather, mid-century modern architecture, world-class golf and tennis, and natural desert beauty. With so much to explore, there’s no better incentive to get outside, explore the desert geography, and get acquainted with the local sights than from your RV — your “home away from home.”
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With so many RV parks and resorts located throughout the Greater Palm Springs area, RV owners can easily immerse themselves in the local scene to enjoy all the activities and attractions. Whether you’re staying a few weeks or a few months, having your RV nearby makes for easy access to all the top sights and areas.
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CHOOSING AN RV PARK OR RESORT As an RV vacationer, your visit will include time spent at your home park or resort so choose your home base carefully. RV parks and resorts can vary with the types of amenities they offer. Typically, you’ll see swimming pools, hot tubs, barbecues, laundry facilities, and some type of activity center like a clubhouse. More upscale resorts may also offer an onsite restaurant, pet areas and trails, tennis courts, golf courses, cleaning staff, 24-hour security, and more. The type of luxuries will depend on the individual resort,where it’s located, and how it was built.
McCallum Adobe (PSHistoricalSociety.org), one of Palm Springs’ oldest buildings. Enjoy lunch at one of the many side walk cafes or local Mexican restaurants. 4. After lunch, take a relaxing ride on horseback through the scenic foothills of the Coachella Valley with views of the San Gorgonio Mountains and Mount San Jacinto. 5. Enjoy dinner in town before heading back to your RV park for a night-time soak under the stars in the heated spa.
AN RV-INSPIRED ITINERARY Once you choose your home base, your exploration of Greater Palm Springs can officially begin. Ideally, you’ll want a good balance of activities and downtime, which shouldn’t pose a problem when your RV is close at hand! To get started, check out this suggested day itinerary: 1. Enjoy an early morning sunrise at your site with a leisurely breakfast in your RV.
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Palm Canyon Drive
2. After breakfast, head out to explore the San Jacinto Mountains with a ride on the Palm Springs Aerial Tramway. (www.PSTramway.com) Throughout the 10-minute ride, the tram cars rotate slowly, allowing picturesque views of the valley floor. 3. Then drive down Palm Springs’ Palm Canyon Drive (www.PalmCanyonDrive.org) to visit a variety of art galleries and a tour of historic sites, including the frontier-era
Whatever you decide to do, know that as an RV owner, you’ll enjoy the comforts of home no matter where you go. All you need to do is pick out an RV park or resort (www.VisitGreaterPalmSprings.com/stay/rv-resortsand-rentals) and schedule your dates to enjoy a trip filled with great weather, attractions, activities, culture, dining, and shopping. The only problem with planning an RV trip to the Greater Palm Springs area is that you may not want to leave!
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COACHELLA VALLEY #1 Top Producing Agents
PROFESSIONAL, KNOWLEDGEABLE, RELIABLE, WITH INTEGRITY
Allow us to assist you in acquiring the perfect property in the Coachella Valley. Team Lange Blea uses our expertise to your advantage to find you the perfect home. The Palm Springs Real Estate market is unique and we work with both home buyers and sellers to achieve our client’s real estate goals. www.iamthedesert.com
Palm Springs
Facts & Figures POPULATION
CITY STATISTICS Square Miles . . . 96 Acres . . . . . . . . . 61,440 Housing Units . . 36,887
48,142 City of Palm Springs 377,593 Greater Palm Springs Area 2,423,266 Riverside County PEOPLE
Ethnic Makeup . . . . . . . . . . 72.8 % Caucasian Median Age . . . . . . . . . . . . . 54.8 Years Enrolled in School . . . . . . . 6,669 or 14.7% of Population Completed College or Higher . . . . . . . . . . . . . . . 35.3%
DRIVING DISTANCES FROM PALM SPRINGS Los Angeles . . . . . . . . . . . . . . . . . 107 miles San Diego . . . . . . . . . . . . . . . . . . . 139 miles Phoenix . . . . . . . . . . . . . . . . . . . . . 269 miles Las Vegas . . . . . . . . . . . . . . . . . . . 232 miles Indio (Coachella Festival) . . . . . 24 miles Indian Wells (Tennis & Golf Centers) . . . . . . . 19 miles Joshua Tree National Park . . . . . 53 miles Living Desert Zoo Gardens . . . . 16 miles AIRPORTS Palm Springs International . . . . . 5 minutes to downtown Ontario International . . . . . . . . . . 68 miles Los Angeles International . . . . . 121 miles John Wayne Airport . . . . . . . . . . 95 miles TRANSPORTATION • Sunline Bus System Serves Entire Coachella • Taxi Service • Bicycle Rentals Throughout the City • Mobile App-Based Car Services
AVERAGE SEASONAL TEMPERATURES Winter . . . . . . 71°F Spring . . . . . . . 88°F
Summer . . . . . 106°F Fall . . . . . . . . . 90°F
• On average, July is the hottest month, and December is the coolest • Average Amount of Rainfall: 4.85 in. TAXES California Sales Tax . . . . . . . . Riverside County Sales Tax . . . . . . . . . . . . . . . . . Individual City Tax . . . . . . . . . Business License Tax Palm Springs . . . . . . . . . . . . . .
6% 0.25% 7.75% - 9.25% $300 – $900+
HOUSING PRICES Median Home Price . . . . . . . . $393,000 Median Gross Rent . . . . . . . . $949 MEDIAN HOUSEHOLD INCOME Palm Springs . . . . . . . . . . . . . . $46,059 State of California . . . . . . . . . $63,783
Dining & Entertainment by Heather Sipes
THERE ARE DOZENS and dozens of award-
CASUAL DINING
every Wednesday, Friday, and Saturday night. It’s a favorite spot of locals, famous for its varied craft beers, traditional Americana food for breakfast, lunch, and dinner, and beautiful patio view. It’s perfect for happy hour, a good burger, or even a night out with the grandkids (but it’s only open to ages 21 and up after 10 p.m.). The Big Rock Pub also has a philanthropic bent—it donates a portion of its proceeds to the Desert Cancer Foundation.
The Big Rock Pub, Indio At this rock and roll-themed restaurant, you’ll find live music (and occasionally dancing lessons)
Trio Restaurant, Palm Springs Trio has been recognized multiple times as one of the area’s top restaurants (and it’s in
The Big Rock Pub
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winning restaurants and chefs located within Greater Palm Springs. Here, we’ve highlighted some standouts, organized by type of experience. One thing is for certain: you’ll never go without good food or drink. You can either discover a new experience every day or simply stick to your tried and true favorites!
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TripAdvisor’s top ten percent of restaurants worldwide!). When you walk inside, you’ll be met by a warm, mid-century meets art-déco atmosphere, perfect for any date night or evening with friends. Trio serves a wide variety of food options, combining traditional Midwest-inspired comfort food with a California edge. FINE DINING Wallys Desert Turtle, Rancho Mirage Wally’s Desert Turtle is the ultimate fine dining experience, known as “A California Dining Destination.” This gem, located in Rancho Mirage, is focused on sustainable, earth-friendly, ocean-friendly, planet-focused provisions. They
offer creative takes on Californian cuisine, all led by classically-trained chefs and presented with world-renowned service. Le Vallauris, Palm Springs If you’re in the mood to dine in Paris but have retired in Palm Springs, then look no further than this restored Old Palm Springs landmark. Le Vallauris is the epitome of fine (and romantic), offering French and Mediterranean inspired fare. Your impeccable experience will be complete with a spectacular outdoor dining terrace laced with white twinkle lights and free valet parking. Locals recommend the escargot, the lobster ravioli, and the Grand Marnier Soufflé for dessert.
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Coachella tickets sell out nearly an entire year in advance, and ticket prices start at $429 per weekend. All passes for the 2019 are already accounted for, but it’s never too early to start planning your trip for one of the upcoming years. Visit www.coachella.com for all of your trip-planning needs, including how and when to buy passes, where to park, where to stay, and how to get there. Fantasy Springs Resort Casino
Augustine Casino
ENTERTAINMENT/NIGHTLIFE Coachella Valley Music and Arts Festival Commonly referred to as simply “Coachella,” the nation’s largest music festival has been attracting music lovers and festival enthusiasts from across the globe for 20 years. You’ll find it at the Empire Polo Club in Indio—a world-class desert venue surrounded by breathtaking views of the Santa Rosa Mountains and desert botanicals. Combine this with some of the best music, art, food, and fashion you’ll ever experience, and you’ve got the event of a lifetime!
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Fantasy Springs Resort Casino, Indio Not only does this hotspot for Vegas-style gambling offer luxurious hotel accommodations with stunning mountain views; it also has world-class entertainment, a golf course, a bowling alley, and multiple dining experiences. If you’re in the mood for something more casual, opt for Joy Asian Cuisine or The Pizza Kitchen. For a more fine dining experience, you can visit The Bistro. Cap off your meal with some time at the slots, or check out a concert. Fantasy Springs offers shows from big names like Little Big Town, Pitbull, Boz Scaggs, and Peter Frampton. Augustine Casino, Coachella Augustine Casino is known as the place “where locals win.” It’s a laid-back, casual environment with friendly dealers and staff offering 800 slots, 10 table games, and great food at a very reasonable price. At Café 54, you’ll find a bountiful buffet that’s sure to please all tastes, and Menyikish offers traditional American favorites like hamburgers and half-pound Angus hot dogs. Of course, you can’t miss out on the champagne brunch offered on weekends!
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FORBES TRAVEL GUIDE Recommended
A LUXURIOUS, AWARD-WINNING DESTINATION AWAITS! Our beautiful 16-story resort includes our wildly popular casino, pools and wellappointed cabanas, the Forbes Four-Star Sunstone Spa, a state-of-the-art concert theater, and variety of dining experiences! for more information visit: www.hotwatercasino.com
STAY. ENJOY. PLAY. RELAX. Check out our calander of events at www.hotwatercasino.com/theshow
AGUA CALIENTE by Heather Sipes
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It probably comes as no surprise that Palm Springs and the Coachella Valley are among the nation’s leading hot spots for gaming, entertainment, and nightlife. It is said that once the sun goes down, the lounges and casinos heat up. Whether you’re interested in casually sipping on a local craft beer, dancing the night away with a group of friends, playing a competitive game of Texas Hold ‘Em in a world-class casino, or playing some slots after date night, the Greater Palm Springs area is the home of a variety of diverse entertainment venues to satisfy any mood. The sparkling Agua Caliente Casino Resort Spa in Rancho Mirage is any player’s paradise, offering 71,000 square feet of space to spread out
with table games, slots, and video poker. Agua Caliente is also home to the area’s only live poker room and hi-limit gaming in a chic and private atmosphere. After a day in the desert heat playing tennis, shopping, golfing, or simply relaxing in your own space, a show can be the best way to end the night. The Palm Springs area is no stranger to epic music performances (Coachella, anyone?) and is a highly sought after venue for artists of all genres. The Agua Caliente Casino Resort Spa has two venues to offer—The Show and Club Mezz. Here you’ll witness globally recognized artists perform such as Styx, Toby Keith, Sting and Shaggy, and Foreigner.
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“Good-bye Vegas, hello Agua Caliente! This is the first time we vacationed at this resort. They have everything here you can find in Vegas in terms of gambling, live entertainment, and more. The whole resort is well maintained and clean… we’ve found our new spot!”
If gaming, concerts, and late nights just aren’t your thing, Agua Caliente invites you to relax at the Sunstone spa—recipient of the prestigious Forbes Travel Guide Four-Star Award. Experience the positive energy of the iridescent stone from which Sunstone Spa gets its name. Enjoy a variety of services including both seasonal and traditional massages and skin treatments, as well as a nail salon, full service hair salon, dry sauna, private outdoor swimming pool, eucalyptus steam, and much more. There’s something for everyone to luxuriate in at this remarkable spa and its over 10,500 luxurious
square feet of relaxation, inviting you unwind, renew, and reconnect. Agua Caliente was recently listed in the top 10 casinos outside of by U.S. Las Vegas by World and News Report. Guests obviously agree; one recent visitor reported, “Good-bye Vegas, hello Agua Caliente! This is the first time we vacationed at this resort. They have everything here you can find in Vegas in terms of gambling, live entertainment, and more. The whole resort is well maintained and clean… we’ve found our new spot!”
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FORBES TRAVEL GUIDE Recommended
A RELAXING PALM SPRINGS STAYCATION AWAITS! Our beautiful resort spa and casino in Downtown Palm Springs is a Forbes Travel Guide recommended destination! With so much to do at the hotel there is hardly the need to venture off property. Enjoy our resort pools, luxury rooms, popular casino, fabulous spa, and a variety of dining experiences! for more information visit: www.sparesortcasino.com
Check out our calander of events for Concerts Under the Palms
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Golf & Recreation by Heather Sipes
INDIAN WELLS GOLF RESORT CELEBRITY COURSE INDIAN WELLS
WHAT COMES TO PEOPLE’S MINDS when they
think of the Greater Palm Springs area? (Other than sunshine and warmth, that is.) Golf! This sunny southern California oasis is home to more than 100 renowned golf courses visited by golfers from all around the world. With 300 days of sunshine each year, why not? Whether you’re a casual golfer looking to play a leisurely nine holes or an old pro looking for some challenging greens, you’re sure to find the perfect course in this sunny valley. And if the weather gets too hot, there’s always some indoor courses to enjoy! Below, we’ve highlighted some area favorites.
This Clive Clark masterpiece is set apart by its acute attention to detail, stunning mountain backdrop, and spectacular waterfalls. Meandering streams and lush greenery make this course feel like a true oasis. It’s also home to a striking 53,000-square foot clubhouse which includes a restaurant and bar. For more information (and to book tee times) visit IndianWellsGolfResort.com Indian Wells Golf Resort
CLASSIC CLUB GOLF COURSE PALM DESERT This is a classic 18-hole, par 72 course was designed by Arnold Palmer and is suitable for players of all levels. Surrounded by a stunning backdrop of mountains vistas, the rolling course is dotted with a variety of trees and brightly colored shrubs. On-site PGA professionals provide a variety of programs, including private lessons, group lessons, and clinics. For more information (and to book tee times), visit ClassicClubGolf.com
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ESCENA GOLF COURSE PALM SPRINGS Designed by Jack Nicklaus, this course blends champion golf with classic and laid-back Palm Springs style. When you play at this course, you’ll be surrounded by palm trees and the natural desert landscape, as well as the breathtaking San Jacinto mountains. Ranked as the #6 public course in California by PGAtour.com, this course offers unobstructed sight lines, generous driving expanses, and an overall impeccable design. When you’re done, grab a bite at the Escena Grille. For more information (and to book your tee time), visit EscenaGolf.com Not a golfer? Don’t fret! The greater Palm Springs has bountiful recreational options for all ages and stages of life! Here are some different activities you can enjoy while pursuing your healthy and active lifestyle: HORSEBACK RIDING This is hands-down one of the best ways to relax and enjoy nature! There are several stables and ranches located in the area, all of which have the availability to provide private riding lessons, or guided trail rides (either by the hour or for an entire day!). For more details, check out Coyote Ridge Stable, Ivey Ranch Equestrian Center, or Smoke Tree Stables. TENNIS Palm Springs is proud to be home of La Quinta Resort Tennis Club—consistently ranked one of
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the best tennis resorts in the country by Tennis Magazine. Here, not only will you get to play on one of the 23 amazing top-notch courts, but you’ll get to enjoy the breathtaking scenery, including the Santa Rosa Mountain backdrop and flower-filled patios. When you’re done with your match in the sun, you can cool off in the large swimming pool. For more information, visit LaQuintaResort.com FOOTGOLF There’s no better place to try this new and exciting sport than in the nation’s golf nexus, which also happens to be the home of the American FootGolf League (AFGL)! This new sport is essentially a golf and soccer hybrid. Played on a standard 18-hole golf course, the goal is to kick a soccer ball—with as few kicks as possible— into a 21-inch cup located somewhere on the green. Standard golf rules apply, and it takes about 90 minutes to play nine holes. There are eight official FootGolf courses in the great Palm Springs area: Desert Willow Golf Resort, The Lights at Indio Golf Course, Cathedral Canyon Golf Club, Tahquitz Creek Golf Resort, Silver Rock Resort, Indian Palms Country Club and Resort. No matter what your bent, the Greater Palm Springs area has plenty to offer in order to become your new headquarters for recreational activities. Health clubs, hiking, fishing, yoga, and more… all allowing you to live a healthy life in body, mind, and spirit.
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GOLF TRAVEL ANNUAL Best Places to Play Book a Tee Time 760.601.3600
DESERT GOLF Top 10 Desert Course
This nationally recognized championship course designed by Arnold Palmer in Palm Desert, California was a host site of the 2006, 2007, and 2008 Bob Hope Chrysler Classic. Classic Club creates a new spin on desert golf with rolling terrain, wide landing areas, 30 acres of water features, 14 bridges as well as an abundance of pine trees, pine straw ground cover with 5 sets of tees on each hole.
PALM SPRINGS TENNIS CLUB
STAY. PLAY. RELAX.
STAY AT PALM SPRINGS TENNIS CLUB! Enjoy spectacular desert and mountain views, practice your tennis, relax by three swimming pools and spas or play a round of golf at any of the many nearby championship courses. At night, guests can take advantage of the wide variety of restaurants, including Spencer’s on-site, and night clubs available on the nearby Palm Springs strip. The Tennis Club is ideally located within a short distance to art galleries, discount shopping outlets, casinos, theatres, and restaurants, and walking distance to historic downtown.
701 West Baristo Road Palm Springs, CA 92262 (760) 325-1441
Are You Over 62 and Looking for a Retirement Home? There is a good chance you’ve never heard of a Home Equity Conversion Mortgage (HECM).
Get a FREE Copy!
Call 1-888-492-2007 for a 24 h. recorded message. Or go online and we’ll send your book today.
www.NoPaymentBook.com/palmsprings
It’s relatively new (since 2008) and perfect for someone who’s looking to maximize their retirement dollars and not have a monthly mortgage payment. For instance, a typical scenario might be someone who sells their current house and is excited to retire to a new home. They want to buy a house with all cash so they compromise and look at homes that fit the budget... but aren’t exactly what they’re looking for. They don’t want to get a mortgage and they don’t want to use all their cash.
It’s Like Getting a $400,000 House for $200,000 Cash What this program allows them to do is get the $400,000 house they want instead of settling for a $300,000 house. They only have to use $200,000. They are still mortagage payment free... and they’ve got an “extra” $100,000 they weren’t expecting or counting on.
For most people, having an extra $100,000 makes an amazing difference in their financial peace of mind in retirement. Incredibly, most people have never heard of this program, and don’t even know they would qualify. It always thrills them. That’s where you come in. Now you can get a free copy of the Double Your Retirement Dollars book so you can discover some great retirement income strategies for yourself.
Tane Blake Cabe NMLS ID: 78590; Company NMLS ID:1591 (www.nmlsconsumeraccess.org); AZ BK# 0926494; Branch ID: 993312; AZ-0934599; CA-CA-DBO78590, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; CO-100022135, Churchill Mortage Corporation, 8805 N Harborview Dr., Ste 204, Gig Harbor, WA98332-2146, Tel: 253-853-5805, Regulated by the Division of Real Estate; FL-L028248; GA-57008; ID-MLO-15742; KY-MC358371; MI-78590; OK-MLO14593; OR-Approved Mortage Loan Originator; SC-MLO-78590; TN-117182; TX-Churchill Mortage Corporation, 8850 N. Harborview Dr., Ste 204, Gig Harbor, WA98332-2146; VA-MLO-18164WA; WA-MLO-78590; All Other States: Churchill Mortage Corporation
Health Care in Greater Palm Springs by Heather Sipes THE GREATER PALM SPRINGS AREA is an active person’s paradise, fairly teeming with walkers, golfers, tennis enthusiasts, horseback riders, joggers, hikers, and swimmers. As a region marked by its commitment to wellness, it’s only fitting that Palm Springs and the surrounding cities would host some state-of-the-art health care facilities, medical clinics, and doctors.
When entering into the retirement stage of your life, when you want the flexibility to be as active—or as relaxed—as you want, it’s crucial to have the assurance you will be taken care of with utmost precision and expertise. That’s why we’ve outlined some of the greatest standout medical facilities in the area, including care for diabetes, joint replacement,
Eisenhower Medical Center
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weight management, general practice, urgent care, home health care, and beyond. Eisenhower Health has been a leader in health care for the Coachella Valley for nearly five decades. Although it originated as a singular medical center in 1971, the state-of-the-art hospital has since expanded and now offers holistic care through centers and specialized programs throughout the valley. Its Eisenhower Lucy Curci Cancer Center, a member of the UC San Diego Cancer Care Network, is one of only five National Cancer Institute-Designated Comprehensive Cancer Centers in the state of California. Affiliated with UC San Diego, this academic health system has conducted more than 300 interventional trials (unavailable anywhere else), including stem-cell based approaches and investigative immunotherapy, available to all Eisenhower patients. The Eisenhower Smilow Heart Center of Excellence is a fullrange cardiovascular health center, recognized as a Blue Distinction Center for cardiac care and a Top 50 Cardiovascular Hospital by Truven Health Analytics. It has also been recognized by U.S. World and News Report as a high performing hospital in aortic valve surgery, heart failure, COPD, and heart bypass surgery. Eisenhower Medical Center is also home to a neuroscience institute that specializes in surgical and non-surgical treatment of numerous spine and brain disorders. Physicians and the Neuroscience Institute take a collaborative approach with their interdisciplinary team to provide the finest comprehensive care.
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In addition to primary care and urgent care, Eisenhower is also home to a specialized orthopedic center. All orthopedic surgeons are board certified and specialize in sports medicine, total joint replacement, and spine, hand, and foot disorders. There is inpatient and outpatient surgical care, renowned joint replacement specialists, and full therapy and rehabilitation services. Desert Care Network is a large network of expertise, resources, and innovation in locations all across the Coachella Valley and desert region. The network consists of JFK Memorial Hospital (Indio), Desert Regional Medical
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Center (Palm Springs), Hi-Desert Medical Center (Joshua Tree), and several specialty centers. It is the largest primary care network in the greater Palm Springs area.
ry stroke Center by the Joint Commission, and has also received the American Heart Association “Get with the Guidelines” Stroke Gold Plus Quality Achievement Award.
Through the Desert Care Network you will find access to healthcare for almost anything imaginable, including behavioral science, brain and neurology care, maternity care, gastroenterology, orthopedics, pediatrics, home health and hospice, continuing care, cancer care, and more. The Institute of Clinical Orthopedics and Neurosciences (ICON) facilitates advanced brain and spine care services (including rehabilitation), a dedicated neurological clinical care unit, expertise to treat brain and spine conditions (such as strokes), and long-term follow-up care and recovery. In fact, it is home to the Coachella Valley’s one and only advanced Stroke Program, which receives rapid transfers from hospitals all across the region. Desert Regional has received certification as a prima-
Additionally, the Desert Care Network has a vast offering of respiratory care designed to improve overall quality of life, ranging from pulmonary rehabilitation to asthma treatments, all the way to a “Better Breathers” support group. Here patients can find access to expert respiratory care at all three hospital locations, with a variety of treatment plans for a range of lung conditions and diseases. It goes without saying that we all hope to live a healthful life, free of any health scares or required urgent medical care. However, life happens—and should health care concerns arise in your future, you should know that you will be in the best hands, no matter your need, in the Greater Palm Springs area.
Desert Regional Medical Center
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“I didn’t think a pain-free life was possible anymore.”
It is possible! Enjoying a long and healthy life is important
Learn more about:
to everyone. Chiropractic care unlocks your
•Spinal changes with aging
body’s true potential and natural healing
•How we can eliminate years
process to ensure your life is a healthy life.
of pain and discomfort.
At Palm Springs Chiropractic our holistic
•Exercise and fitness programs
clinic put focus on helping you become
•Dietary and nutrition concerns
pain-free, healthy, and optimally functional. Chiropractic care is a safe, effective, and natural approach to managing pain and other health related issues. We’ve done the research to prove it!
Meet theDoctor: Dr. Alexander Ediss, D.C.
www.palmspringschiro.com
Complimentary Consultations! CALL 760.323.7600
Eisenhower Medical Center hasprimary care, urgent care centers, multispecialty health centers, and specialized programs across the valley. We now offer comprehensive health care support, from education and prevention to diagnosis, treatment and rehabilitation. We provide customized care in Men‘s Health, Women’s Health, LGBTQ services including HIV care, and much more. And we’ve added physicians, online access, and community events to enhance convenience and access for all. We are pleased to be a trusted name renowned for advanced care, individualized service, and an exceptional patient experience. visit: eisenhowerhealth.org
Call Today! 760.416.1003 psdentist.com
A smile is your best asset in life. At Palm Springs Family and Cosmetic Dentistry,
we offer a full array of dental procedures including teeth cleaning, bridges, dentures, partial dentures, dental inlays, dental onlays and veneers. During your consultation, our team will assess your dental history and work with you to determine the best solutions for you.
please call about insurance questions!
Don’t just wish for a better smile, we can make it happen! 2150 E Tahquitz Canyon Way Palm Springs, CA 92262 like us on facebook!
Monday-Thursday 8am-4pm Friday by appointment schedule today!
Looking
YOUR BEST
at Any Age by Heather Sipes
One of the things we all deal with as we age is our changing face and body. Just as our lifestyle, interests, priorities, and even location change, so do our physical vessels—and that’s nothing to ashamed of or worried about! It’s simply a part of life. But there’s also nothing wrong with wanting to feel your best, both inside and out, no matter what your age. That’s what Dr. Maria Lombardo at Lombardo Cosmetic Surgery in Rancho Mirage, sees as her chief concern. Said one client of her experience with Dr. Lombardo, “Seeking a doctor interested in helping me achieve a natural looking lower face and neck lift was quite a challenge. After two years of searching for a doctor committed to my concerns… I struck gold with Dr. Maria Lombardo. Not only is she a talented cosmetic surgeon and doctor, she continues to have my needs and concerns front and center—plus my face looks fantastic, natural, and more importantly, just the way I want to look at (this) stage in my life. ”
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As we age, we may experience a variety of changes in our body, hair, and skin, including (but not limited to) fat storage in new areas, hair loss, uneven skin tone or patches, wrinkles in the face, neck, and hands, drooping of the eyelids, under-eye bags, and more. These new changes may be embraced as a sign of life well lived by many, but may also make others feel
“
Dr. Lombardo is excellent at what she does. From start to finish, she was there as a support and confidant.”
uncomfortable, which is normal. Your top priority, whether you are 45 or 75, should be feel comfortable in your skin and love yourself from head to toe. Dr. Lombardo at Lombardo Cosmetic Surgery in Rancho Mirage offers a variety of both surgical and non surgical cosmetic procedures, and is renowned throughout the plastic surgery community as a true artist at her craft. She is a member of the American Academy of Cosmetic Surgery (AACS), the American College of Os-
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teopathic Surgeons (ACOS) and the American Osteopathic Association (AOA), holding certifications in both cosmetic and general surgery. Another real-life patient stated, “Dr. Lombardo is excellent at what she does. From start to finish, she was there as a support and confidant. I also received great and personalized after-care. I am pleased with my results and the care and attention I received and continue to get. You can’t ask for a better doctor and surgeon than Dr. Lombardo!” Any sort of cosmetic surgery is an incredibly personal choice that includes lots of decision-making along the way. That’s why Lombardo Cosmetic Surgery strives to treat all patients with the utmost respect while helping them make an educated decision about what procedures are best for them. Even though Dr. Maria Lombardo is a board-certified surgeon, she is an artist at heart. Because of this, she seeks not to just simply “nip and tuck,” but to put her fine art training and knowledge into creating a better, more vibrant, and confident you. It’s time for you to shine at any age. When you feel good, it shows! For more information or to book a consultation, visit lombardocosmeticsurgery.com
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Love your skin again. With non surgical options : BOTOX & Facial Fillers, Chemical Peels, Esthetician services, Latisse, Lip Augmentation Juvederm, Kybella, Bellafill, Restylane, Regenica, and more!
Call Today! 760.610.8990
lombardocosmeticsurgery.com
Hands of a surgeon. Eyes of an artist. All with a womans touch. Dr.Lombardo, DO
41606 Indian Trail , Suite A-1 Rancho Mirage, CA like us on facebook!
Luxury Retirement
Care that Accommodates You in Every Stage by Mary Morrison
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IF YOU’RE THINKING ABOUT the long-term future
and want to plan now to meet your needs as you age, consider facilities with a good mix of services that can accommodate you through the changes you may encounter along the way. Greater Palm Springs has a wide variety of residential retirement options, but if you’re looking for the most accommodating option, a Continuing Care Retirement Community (CCRC) may offer the best solution. CCRCs offer residents a range of living options along with social, recreational, and cultural activities typically found in retirement communities. They also offer a complete range of services (known as a “continuum of care”) ranging from independent and assisted living to skilled nursing services, all at one location.
skilled nursing wing. Unlike regular assisted living facilities, CCRCs can provide skilled nursing onsite. Once the resident recovers, they are free to move back to their assisted or independent living apartment. SECURITY AND COMFORT ABOVE ALL CCRCs offer security. No matter how a resident’s health changes, their needs will be met. This gives older adults the option to live in one location for the rest of their lives, with much of their future care already figured out. This can provide comfort and ease stress for both residents and their loved ones.
CHANGE YOUR CARE, NOT YOUR COMMUNITY Residents usually enter a CCRC at the independent-living level. If their level of care needs changes later, they can move to another area if necessary. Residents will not have to worry about changing communities – that’s the major benefit of choosing a CCRC. Residents can stay in the same familiar surroundings they’ve come to know and appreciate. If a resident begins to need help with the activities of daily living, the CCRC will provide care similar to that in an assisted living community. Help with dressing, walking, grooming, and more will be provided, though a move to another wing may be necessary depending on the facility. If the resident develops an illness or experiences a health emergency such as a fall or stroke, they will likely be moved to an onsite
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All that being said, all this comfort and ease comes at a price. If a resident values independence over security, a CCRC may not offer the best solution. And CCRCs usually require a major entrance fee in addition to monthly charges. Expect a large upfront deposit to prepay for care and also monthly charges ranging in the thousands. The costs can vary depending on the resident’s health, the type of housing they choose, whether they rent or buy, and the type of service contract selected. Options such as housekeeping, meal service, transportation, and activities can also incur additional costs.
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TOP AMENITIES
GREATER PALM SPRINGS OPTIONS
In addition to care, most CCRCs offer an impressive array of benefits to ensure an optimal retirement experience. Many offer top amenities such as a golf course, outdoor pool and spa, beauty salon services, and more—all onsite! Each CCRC will have a unique style but most will be tastefully decorated and well-maintained. You’ll have access to a range of services including dining, housekeeping, transportation, and a lively social scene that features a variety of events and gatherings such as cooking classes, dance lessons, or movie nights.
If you’re researching CCRCs in the Greater Palm springs area, be sure to thoroughly investigate all the different housing options, costs, and contracts, understanding what will happen if circumstances change. Request to see all financial reports, licensing, inspections, and any complaint investigations. As with any senior care option, there’s no substitute for spending time alongside the residents for meals and talking with them about their experience. Plan to spend time in each part of the facility; you may need assisted living or skilled nursing care at some point. Request a weekend or week-long stay to ensure that the facility is the right choice for you.
GREATER PALM SPRINGS AREA CONTINUING CARE RETIREMENT COMMUNITIES:
SEGOVIA, Palm Desert, CA
ALTAVITA, Riverside, CA
www.OakmontOfSegovia.com
LiveAltavita.org
VILLAGE HEMET, Hemet, CA www.TheVillageRiversideCounty.com
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Retire in a thriving community Trilogy at The Polo Club
Trilogy at The Polo Club is an exclusive gated resort community for all-ages with select 55+ neighborhoods. It will be an exciting new breed of Trilogy that offers an active resort lifestyle on a more intimate scale. Aimed at sophisticated buyers looking for a unique community in the heart of everything, you can help design the future of resort living.
HOMES STARTING IN THE HIGH 200’s Our collections have been recognized for their unique style, indoor-outdoor living, and great open floor plans!
Come tour today and see the incredible Resort Club, a ~25,000+ square foot, richly amenitized masterpiece that includes dining, fitness, swimming pools, outdoor recreation, and much, much more. Visit trilogylife.com/communities/california
Retire in a dream community Oakmont Senior Living
Oakmont Senior Living’s mission is to offer the finest in retirement living and senior communities, from the attention to detail in structural design and craftsmanship to the standard for excellence in service and care. Our goal is to make the retirement lifestyle you have always wanted and the community you’ve always imagined a reality.
34 West Coast Communities
including continuing care retirement communities and independent living, assisted living, and memory care communities.
Oakmont Senior Living is a nationally recognized leader in the development and construction of high-end senior communities. Visit oakmontseniorliving.com
FORT MYERS, FLORIDA TUCSON, ARIZONA PALM DESERT, CALIFORNIA GEORGETOWN, TEXAS
The process of deciding where to retire can be overwhelming! Retiring Right exists to help guide people like you along this journey. With the help of our retirement guides, you can confidently make the the choice that’s right for you. Visit our website to learn more about different locations and to download our retirement guides.
www.RetiringRight.us
Regional Attractions Around Greater Palm Springs by Mary Morrison
PICTURE YOUR IDEAL GETAWAY. If stunningly blue skies, scenic mountains, sun-filled days and a wide variety of activities come to mind, make your next trip to Greater Palm Springs. Decades ago, celebrities like Frank Sinatra, Dean Martin, and Marilyn Monroe flocked to this desert oasis to relax and make a quick getaway from Los Angeles.
Arieal View of Palm Springs
The area still attracts celebrities but also draws a large percentage of retirees and sun lovers from all over the country looking to escape cold climates – yes, some like it hot! For its glorious weather and so many other reasons, Greater Palm Springs ranks as a world-class destination, and many choose to rent a seasonal home to enjoy all the area has to offer on longterm basis. If you decide to check it out, this overview of the region’s amenities can get you started on your adventure: NORTH VALLEY
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Boasting a dynamic downtown scene with chic shops, hip restaurants, a growing arts scene, and a reputation as a playground for Hollywood stars, Palm Springs has it all. If you prefer to relax and chill out, Desert Hot Springs oozes health and wellness, thanks to the city’s famous mineral springs that draw on the natural hot water aquifers flowing underneath the city. Come to enjoy the soothing spa services offered in the area’s many boutique spas and resorts.
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The River Shopping Center, Rancho Mirage
If you like shopping for unique, one-of-a-kind treasures, check out Cathedral City, where shoppers will delight in the numerous shopping plazas located along Perez Road. Or, head down Cathedral City’s stretch of Highway 111 to discover a mix of thrift, consignment, and antique shops alongside more traditional retailers. CENTRAL VALLEY When it comes to luxury options, look no further. Rancho Mirage offers the luxury lifestyle with world-class golf courses, resorts, and firstclass shopping and dining. Wondering where the top Bentley and Rolls Royce dealerships are located? Yup, right here. If you want a similar experience in a thriving year-round community, try Palm Desert. You’ll enjoy natural beauty and the recreational amenities of a resort caliber destination. Though geographically small, sports fans will want to stay in Indian Wells. With world-class resorts such as famed Indian Wells Golf Resort and the Indian Wells Tennis Garden (home of the annual BNP Paribas Open tennis tournament), this desert oasis will make for an unforgettable stay.
SOUTH VALLEY As the valley’s largest city, Indio’s beautiful vistas and endless blue skies play host to some of the country’s top music festivals including the popular Coachella Valley Music and Arts Festival among others. If all the natural beauty of the Coachella Valley leaves you feeling inspired, head over to La Quinta to enjoy hands-on art studios, galleries, and one of the country’s top-rated annual arts festivals, the La Quinta Arts Festival. Or, hit the links at any of the impressive courses at PGA West, including the Greg Norman Course, Jack Nicklaus Tournament course, and the TPC Stadium Course. A vibrant local arts scene and annual cultural festivals fill the event calendars at the City of Coachella. Experience the city’s historic downtown and enjoy authentic Mexican cuisine. Fabulous weather aside, Greater Palm Springs offers a plethora of recreation and cultural opportunities. No wonder it’s one of America’s favorite retirement locations. Whether you choose to stay short or long term, you’ll want plenty of time to try a bit of everything!
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Greater Palm Springs
55+ Active Adult Communities 1 2 3
Four Seasons at Palm Springs Low $300s - Mid $400s Resale Homes Only Del Webb at Rancho Mirage High $300s - High $700s New Homes Only Villa Portofino High $100s - Low $500s Resale Homes Only
DESERT HOT SPRINGS
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2
PALM SPRINGS RANCHO MIRAGE
3
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Terra Lago Low $200s - Mid $500s Resale Homes Only
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8
7
4
Indian Springs Golf and Country Club Mid $200s - Low $600s Resale Homes Only
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Toscana Country Club Low $1Ms - Mid $3Ms New and Resale
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Indian Ridge Country Club Low 400s Low $2Ms Resale Homes Only
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Sun City Palm Desert Low $200s - Low $800s Resale Homes Only
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Domani Low $300s - Mid $300s New Homes Only
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Sun City Shadow Hills Mid $200s - Mid $700s Resale Homes Only
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Heritage Palms Low $200s - Mid $600s Resale Homes Only
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9 10 13
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INDIO COACHELLA
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PALM DESERT
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INDIAN WELLS
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Four Seasons at Terra Lago High $200s - Mid $300s New and Resale
Gallery Links at Indian Palms Country Club Low $200s - Mid $500s New and Resale
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13
Rancho La Quinta Mid $400s - Mid $1Ms Resale Homes Only
Trilogy at The Polo Club Low $300s - Low $700s New and Resale
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The Citrus Club Mid $400s - Mid $1Ms Resale Homes Only
Andalusia at Coral Mountain Low $1Ms - Mid $2Ms New and Resale
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Trilogy at La Quinta Low $300s - High $700s Resale Homes Only
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THERMAL
Have You Ever Heard of Home Equity Conversion Mortgage? It’s Like Getting a $400,000 House for $200,000 Cash
It’s relatively new (since 2008) and perfect for someone who’s looking to maximize their retirement dollars and not have a monthly mortgage payment. If you are over the age of 62, you could qualify. Get a free copy of the Double Your Retirement Dollars book so you can learn more about Home Equity Conversion Mortgage (HECM) and discover some other great retirement income strategies for yourself.
Get a y! p FREE Co 007 8-492-2 Call 1-88 ed h. record for a 24 . message
Or go online and we’ll send your book today.
www.NoPaymentBook.com/palmsprings
Tane Blake Cabe NMLS ID: 78590; Company NMLS ID:1591 (www.nmlsconsumeraccess.org); AZ BK# 0926494; Branch ID: 993312; AZ-0934599; CA-CA-DBO78590, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, under Churchill Mortgage Corporation, which will do business in California as Churchill Mortgage Home Loans; CO-100022135, Churchill Mortage Corporation, 8805 N Harborview Dr., Ste 204, Gig Harbor, WA98332-2146, Tel: 253-853-5805, Regulated by the Division of Real Estate; FL-L028248; GA-57008; ID-MLO-15742; KY-MC358371; MI-78590; OK-MLO14593; OR-Approved Mortage Loan Originator; SC-MLO-78590; TN-117182; TX-Churchill Mortage Corporation, 8850 N. Harborview Dr., Ste 204, Gig Harbor, WA98332-2146; VA-MLO-18164WA; WA-MLO-78590; All Other States: Churchill Mortage Corporation
Money Management Pays Off in Retirement by Mary Morrison
FOR MANY PEOPLE, retirement signals a new
beginning. No more working for the man! Days spent doing exactly what you want, when you want. Golf five days a week? Sure thing, provided you have the finances to fund your obsession. Just know that retirement can lead to big changes in your financial priorities. That’s why a smart money management strategy makes sense for retirement, making it easier and more efficient. Follow these tips to get started. DETERMINE YOUR FINANCIAL POSITION
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Most retirees have some idea of how much money they need in retirement, and how much money they have to finance it. (To get a general idea for yourself, try one of the online retirement calculators or contact your financial advisor.) Many usually have a reliable monthly income source such as Social Security, a pension or an annuity, and a retirement savings, which may be in the form of bank savings accounts or investments such as a 401(k) or IRA.
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Smart money management starts with maximizing these monthly income streams. This means making informed decisions about when to start withdrawing Social Security or a pension. Then, the next priority becomes figuring out what to do with your cash and investments to protect yourself against inflation risk and running out of money too soon. Many factors affect how to navigate this. Speak with your financial advisor to determine your best strategy that addresses the following considerations: your age and life expectancy, the types of assets you hold, your tax situation and the taxes you’ll have to pay for receiving income from different sources, and your investing and money management expertise.
Once you know your financial position, switch your focus to how you manage your money. With time and money saving options, you’ll be glad you did! CHANGES IN HOW YOU RECEIVE INCOME In your working years, you likely received weekly, biweekly, or monthly pay. Now, your income can come in a number of ways and times. Think Social Security, pension and annuity payments, distributions from retirement plans, or even employment income. With income coming in from numerous sources, setting up direct deposit to the financial account of your choice will help manage everything efficiently.
Palm Springs | RETIRING RIGHT
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SPENDING DIFFERS, TOO Just as income changes, so does your spending. Your spending habits reflect your retirement lifestyle and new financial priorities. Retirees may find themselves paying quarterly state and federal income taxes, health care and other insurance premiums, and expenses incurred by travel or living in seasonal residences. Given these new expenses, simplify further by using financial management tools such as online or mobile banking that make it easy to perform financial transactions from just about anywhere. WHEN INCOME EXCEEDS SPENDING If your income exceeds the amount you spend each month, use this to your advantage by managing the excess to help your short-term cash needs and longer-term financial stability. Break down your needs into three different short and long-term goals for the best outcome: 1. Keep a portion of your funds easily accessible for paying living expenses such as food, utilities, and transportation. 2. Consider a savings account to stockpile funds for short-term savings goals such as a new car or yearly vacation.
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3. Lastly, keep at least six months of expenses for emergency expenses in a separate, highly liquid account. GROUP ACCOUNTS FOR EASE Successful money management calls for easily accessible, moveable, and investable funds. Consider consolidating your funds into a group of accounts with a single provider to allow for easy transfers between accounts. For example, you might choose a checking or brokerage account for paying the bills that offers a selection of electronic options including mobile or online payments or mobile check deposit. You’ll also want options to easily transfer money from your retirement accounts, such as IRAs, into your cash account. Select the features you need to make your retirement finances affordable and flexible. A NEW BEGINNING Retirement signals a new financial beginning for many retirees. Understanding your financial position and utilizing a good cash management system can serve you well, leaving you with more time to enjoy your golden years. With all the time you’ll save, you could easily fit in another round of golf!
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Cost of
Retirement
Before you make the move to any new area, it’s important to know what you’re in for in terms of cost of living. Here, we’ve outlined the major expense categories for any retiree, and rated them on a scale of one to 100 (with 100 being the U.S. average, anything under 100 being below the U.S. average, and anything above 100 being above the U.S. average). You can use this table to compare expenses in Palm Springs to your current place of residence.
The greatest factor in the cost of living is housing and real estate.
According to Zillow, the median home value in Palm Springs in 2017 was $393,100, a six percent rise from the previous year. The median home value in the United States is $216,000.
250 PALM SPRINGS CALIFORNIA
200 150 100 U.S. AVERAGE 50 0 C LI OST VI NG OF *Including Gas, Electricity, Water, Sewer, Garbage, & Recycling
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COST OF LIVING
While Palm Springs has a slightly higher cost of living than the national average, when you actually crunch the numbers, it is affordable when compared to the rest of the state of California, and fairly close to the U.S. average for health care, groceries, and utilities.
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UT HE G IL AL & ROC IT FO E TH IE OD RIE S* CA S RE
If you’d like a more detailed cost of living summary for your current city, or any other city in the Greater Palm Springs area, check out sites like “Sperling’s Best Places” (www.bestplaces.net). This site and others like it are helpful resources for looking into crime statistics, school ratings, real estate prices, and more. WWW.RETIRINGRIGHT.US
MAKE RETIREMENT YOUR BEST DECISION YET The most common question we hear from people of retirement age is: “where should we retire?” Talk about a loaded question! Sometimes it’s proximity to grandchildren or escaping the cold weather, and don’t forget about the bang for your buck! The list of factors to consider can be vast and unknown. Retiring Right offers free resources that have been put together in order to help you make the most informed, confident decisions for your retirement. SAVE MONEY We give you money management tips on how to save and budget your retirement money. Learn how to stay debt free and about different programs such as the Home Equity Conversion Mortgage that you can apply for.
RETIRE EARLY Learn how to accelerate your retirement and investment strategies to grow your retirement money. WHERE TO RETIRE Through our retirement guides, explore different cities all over the United States and find the best fit for your retirement need. From 55+ communities, to health care and regional attractions, the guides take the work out of your research. HEALTH & FITNESS It is important to stay active both mentally and physically after retirement. We suggest fun activities for retirees and tips on how to stay helathy and active after retirement. TRAVEL & ENTERTAINMENT Retirement is a wonderful time to visit all those places you’ve always wanted to. We help you plan your dream vacation, wether it’s in America or the rest of the world. Get started making the most of your retirement and have the time of your life! Visit our website to read more on these topics on the blog, download destination guides for different cities, and make sure you sign up for our FREE Retirement Planning Tools.
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GOLF ADVISOR Best Public Course Book a Tee Time 760.346.0015
BEST PUBLIC PAR 5 #18 Firecliff
36 Holes of Award-Winning Golf Desert Willow Golf Resort is a premium public facility and offers two championship Southern California golf courses designed by Michael Hurdzan and Dana Fry. Both courses on property are highly rated and well maintained. Firecliff is a favorite place to play in the Parlm Springs area and Mountain View is our slightly less difficult resort style course. Desert Willow also features a magnificent clubhouse, personalized service, and spectacular desert mountain views.
