Annapolis Home September October

Annapol i s HOME Vol. 5 No. 5 2014

A n n e A r u n d e l | Ea st e r n S h o re

Shakespeare in Annapolis A Bugatti in a Garden Creekside Cabins Boatyard Bash!

Landscapes fit for a king… IT’S WHAT WE DO.

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Vol. 5, No. 5 2014 1

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Annapolis Home

Vol. 5, No. 5 2014 3

UNCOMMON

443.994.6757 | www.simplywesley.com 4

Annapolis Home

C oldwell BBanker anker Coldwell Residential Residential BBrokerage rokerage

SEVERN RIVER WATERFRONT, SEVERN SIDE FARM

HISTORIC DISTRICT

NANTUCKET STYLE WATERFRONT HOME

WATERFRONT ON SPA CREEK

ST. MARGARETS NANTUCKET ON CRAB CREEK

Circa 1848. 9.8 private acres with over 850' water Architecturally designed open floor plan with This private waterfront home in St. Margarets borders Thoroughly modern 1925 home offers a panoramic Be swept away by the direct Spa Creek views from Exceptional custom designed home which takes full frontage with magnificent views of Annapolis and the an agricultural preserve and offers captivating views dramatic angles and soaring ceiling focusing on water viewAcademy. The of Spa Creek.

Builder owner re-builtcharm this home Market Quay. Four level 3 bedroom end unit town advantage the commanding views Crab Creek Naval rooms display impeccable from every window.ofIncludes a boat dock, poolofand views. Easy sloping property takes full advantage of from the studs expanded opened up the features high ceilings, rich hardwoods and 2 fireand South River.

Thisopen property offers many unique with timeless detailsout, while updates&ensure luxury and back150' home stone patio with fire pit.

An floor plan with of water frontage overlooking Crab Creek with with multiple windows to allow thecovered historicporch, Annapolissoutheastern places. Waterfront pool and deep water slip. Rare find insidesoaring and out.ceilings State-of-the art cook’s kitchen, convenience.

Features include a pool, exquisitefeatures mill work, and wonderful exposure. Deep water slip on protected tennis court, garagew/waterside with guest suite and fabulous private pier. entertaining rooms.

This bedroom. lovely 5 BR, 4 BA home, scene in. MBR balcony, kitchen,creek in charming pocket in Historic Annapolis. $1,790,000 first floor master Deep water slip with easy with quick access to South River. Easy access to 6 BR, 5 BA,bathrooms, 7 Fireplaces.

Most roomsoffhave water boasts aaccess remodeled kitchen Bay. adorned with custom luxurious quality finishes, street parking.commute Connie Cadwell, 410.693.1705 to Chesapeake Call for details.

Anne Harto Washington/Baltimore. views. Adjacent waterfront lots also available for sale. maple cabinets and granite counters. Don’t miss out A “10”! $1,699,000 | Diana Campe, 301.775.8767 $2,995,000 | Anne Harrington 410.340.9961 rington, 410.340.9961 $5,300,000 | Anne Harrington 410.340.9961 on this opportunity to live in your own private Oasis! $2,100,000 | Denise Smith 410.991.6851 WILD ROSE SHORES

This truly unique waterfront is an entertainer’s dream!

Located in sought after Wild Rose Shores, just minutes to historic downtown & easy commute to DC/Baltimore.

This charming home offers a very private & tranquil setting on almost 2.5 acres, to include additional lot. With ANNAPOLIS AREA WATERFRONT EASTERN SHORE WATERFRONT FARM SOUTH RIVER WATERFRONT LINSTEAD ON THE LAND SEVERN SOUTH RIVER WATERFRONT LOTS expansive western facing Offered first time—an exceptional opportunity to own Elegant waterfront estate on 177+ acre Striking views from this newly constructed, spacious Spectacular custom home offers nearly 6,000 SF of Unobstructed water views from thispeninsula 1.5 acre site with sunset views & owned by comprising 11 has acresbeen with deep water with commanding of the surrounding farmfor family WF home sited whereonly the 3South River meets the Bay!two lots luxury living! of No9 and detail overlooked....wel2 deepwater views (8’) piers (one new). Perfect families in 65 years... frontage on Church Creek—minutes to South River and Chesapeake Bay. The 5500+ sq. ft. updated and & pavilSun-filled home with this 4 bedrooms, 3.5 baths, high ceilcoming Southern Style porch, breathtaking landscapcompound with large main house, guest house is a rare opportunity for Bay. Ideal secluded location High for aceilings, expanded 1870s farmhouse with 6inBR, 5.5 new BA boasts ings & Brazilian cherrythe floors!

Cook’s kitchen, watersideand Chesapeake ing with outdoor kitchen and fireplace! ion/pool.

Grading permit hand, septic installed. discriminating Buyer! compound, two single homes in an oasis an openEngineering/grading floor and widow’s walk.

A 1 from BR waterfront family room with FP, $3,395,000 stunning owners’ suiteJoyce and bath.familyopen bright floor plan,family tray ceiling, crown moldings, package Drum Loyka avail| Kelly quick access to water Rt. 50.privileges! $1,690,000 cottage,able. pool/hot tub, |tennis court, pier & much Community marina and pool. $1,685,000 | Georgiesetting andyetsowith much more!

Great $1,350,000 $1,395,000 Georgie Berkinshaw, 443.994.4456 410.570.7115 and $1,200,000 | Diana Campe 301.775.8767 more. Private and remote but close to the Mid-Atlantic Berkinshaw, 443.994.4456 Therese Gardner, 443.254.5170 region. $6,750,000 | Brent Allen 410.349.7764

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KINGSPORT HISTORIC Great water view from this Coastal Living-style Arts & Crafts-style homeANNAPOLIS set on 35 acres in historic Live close to downtown Annapolis DISTRICT but tucked away waterfront off the River.

4 bedroom, to Annapolis andretreat Washington.

Elevator on country lane.on 400+ protected Exquisitehome home on South premier lot The backing to woods.area close Sunny, nature filled with fast accesstoto BalLocated oneftofwater the frontage prettiest on streets in the Historic 3 Three bath beautifully home is perfect —large beautifully levels.

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Severn River.

3 finished levels and include first- – 3 large finished for levelsentertaining­ (5,000 sq. ft.) with ev-three timore, DC finished (50 & 97) & shopping.

Backs11-ft to woods, Completely renovated restored waterfront deck; open custom kitchen4with withtransitional/colonial great indoor and outdoor entertaining floor master suite with sitting roomeat-in and office.

Soaring ery thoughtful detailfloor andplan; upgrade possible.

BRs, 4.5ceilings open, with rear deck for enterbedrooms, 2 full baths, kitchen, formal living cherry cabinets, stainless steel, and granite. Spacious spaces. Gorgeous pool amid landscaped gardens and 3 ceilings and water views from everywhere. 2 deep water BAs. Family room, library and club room – all with taining.

Hardwoods, main level office, gourmet kitchen and dining rooms, large heated walk-up attic, master suite with radiant heat floors in master bath. boat slips at private pier on protected Cox & Tenthouse slips for large boats and serious sailors. $4,998,000 | gas heat, gas FP. Walk-out level,lift custom brick patio, with andTruly greatunique room opportunity. w/fireplace. Large walkand brick fireplace that could be reopened. 2 off-street Private pier, 10,000 lower lbs. boat & boathouse, IpelovelyCreeks off stainless West River.

Florence Calvert 443.995.6625 landscaping 2-car garage.

Spectacular! $798,000$3,750,000 out basement. minute from Eisenhower Golf parking spaces make this a rare find! $775,000 | Flordecks. $845,000and Brent Allen | 410.349.7764 | FlorenceOne Calvert 443.995.6625 Florence Calvert, 443.995.6625 Course. $775,000 | Martha Janney, 443.822.6850 ence Calvert, 443.995.6625

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vary in size from 1 acre to 2.2 mostly wooded acres. NEWS

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Vol. 5, No. 5 2014 7

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Anne Arundel | Eastern Shore

28 36 46 58

FEATURES All the World’s a Stage Annapolis Shakespeare Theatre presents scenes from their upcoming production: The Tragedy of Macbeth.

Boatyard Bash The Creative Tide throws an unusual party and encourages you to do the same.

Two Creekside Cabins Two very different cabins share Arts & Crafts-style details.

On the Corner:

Astonishing Interiors

The Chase-Lloyd House in Annapolis, Part II Architect Chip Bohl continues his analysis of the litte known eighteenth-century jewel: Chase-Lloyd House.

DEPARTMENTS

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Robert’s Picks

55

Fine Design: Urbanfire

62 Real Estate: The Second Home Market: Is It Finally Coming Back?

On the Cover:

A Bugatti featured at this year’s Concours d’Elegance Photo courtesy of Geoffrey Hodgdon

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Annapolis Home

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Straight Up on Dining Out: The Bartlett Pear Inn in Easton

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The Scene: Riverkeeper Cruise

72

Page After: Polonsky Shakespeare Center

CONTENTS

Annapol i s HOME

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Bugatti in the Garden

Check out the Knightly Estate and a Bugatti identical to Ralph Lauren’s.

Vol. 5, No. 5 2014 15

HOME

Publishers’ Letter

Publishers’ Letter

On a blistering day in July, we found ourselves on a photo shoot of epic proportions. We were at the Knightly Estate in Easton photographing the gardens of Alice Ryan and the priceless Bugatti you see here. You would never know this from the photos, but the shoot took over six hours because the prized Bugatti refused to start! We tried to tow it with a golf cart and then truck and nothing could make this glamorous coupe budge. At last, our photographer Geoffrey Hodgdon stepped in with his trusty Jeep Cherokee and towed the car very slowly, almost painfully, all over the estate.

Luckily, as Shakespeare tells us, “All’s well that ends well.” We lived through it and made wonderful friends, for the “real you” certainly comes out in the heat. This issue is full of additional drama. This includes a glimpse of Macbeth, one of Shakeapeare’s darkest tragedies, a trend-setting, eighteenthcentury home, the Chase-Lloyd House, and a candlelight bohemian dinner party at an Annapolis boatyard held by a very crearive group of women.

Until next time,

Kymberly Taylor & Robert Haywood Publishers

kymberly@annapolishomemag.com | robert@annapolishomemag.com

Photo by Allen Russ

GRAHAM LANDSCAPE ARCHITECTURE

www.grahamlandarch.com

Editor Kymberly B. Taylor

Architectural Columnist Chip Bohl

Creative Director Ryan Gladhill

Contributing Writers Christine Fillat Jerri Anne Hopkins Sally Boyett

Senior Designer Samantha Gladhill Contributing Photographers Geoffrey Hodgdon Christine Fillat Joshua McKerrow Lee Kriel Michele Sheiko Anne Gummerson Sean Shanahan Jenna Walcott Bill Cranford

Copyeditor Katie Pierce Publishers Kymberly B. Taylor Robert E. Haywood Vice Presidents, Marketing & Business Development Taryn Chase Mia Cranford

Advertising in Annapolis Home

Through its advertisements Annapolis Home strives to showcase businesses that possess a strong commitment to high standards of professional integrity and customer service. We seek advertisers who share our business philosophy. For advertising inquiries, please contact Robert Haywood at robert@annapolishomemag.com or please call 443.942.3927 Annapolis Home Magazine P.O. Box 6560, Annapolis, MD 21401 Annapolis Home is published bimonthly by Taylor Haywood Media, LLC. No part of this magazine may be reproduced in any form without express written consent of the publishers. Publishers disclaim any and all responsibility for omissions and errors.

Publishers disclaim any and all responsibility for an advertiser’s products, services, or claims. The views expressed in this magazine are solely those of the writer.

All rights reserved.

If you would like to be removed from the mailing list, please put your request in writing via an e-mail to robert@annapolishomemag.com. © 2014 by Taylor Haywood Media, LLC.

Robert’s Picks 1

We honor Shakespeare with a special feature celebrating the Annapolis Shakespeare Company’s upcoming production of Macbeth from October 24 to November 23. For tickets and details, visit www.annapolisshakespeare.org.

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On the subject of Shakespeare, we remind you that the Folger Shakespeare Library in Washington, DC is home to the world’s largest collection of Shakespeare materials and host of major theatrical productions. From September 5–21, the Folger presents Shakespeare’s Globe’s King Lear, staring Joseph Marcell, well known as Geoffrey the English butler on the hit TV show The Fresh Prince of Bel-Air. For tickets and more information, go to www.folger.edu.

The Annapolis Symphony Orchestra starts the fall season with Opening Night Fireworks, including music by Handel, Falla, and Nielsen. The concert takes place on October 17 and 18 at 8 p.m. at the Maryland Hall for the Creative Arts. For tickets, visit www. annapolissymphony.org.

Robert Haywood, Ph.D., studied art and architectural history at the University of Michigan, Ann Arbor. He is the Vice President of the Arts Council of Anne Arundel County.

The 42nd Annual Artisan’s Festival, sponsored by the Rotary Club of Centreville, will be held on Saturday and Sunday, October 4 and 5 at Queen Anne’s County 4H Park in Centreville, MD. Over seventy artists from throughout the Delmarva Peninsula will be exhibiting paintings, pottery, basketry, stained glass, wood carving, jewelry and much more. Musical entertainment will be available. For more information, go to www.artisansfestival.net.

The Mitchell Gallery at St. John’s College is hosting an exhibition, Annapolis Collects: The Mitchell Gallery Celebrates 25 Years, through October 12. The exhibition features paintings, antique silver, a Nigerian bronze statue and more from local collectors. For hours and directions, go to www.sjc.edu.

Photo: Joseph Marcell in character for the Folger Shakespeare Library’s production of Shakespeare’s King Lear.

Vol. 5, No. 5 2014 17

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Annapolis Home

BUGATTI in the GARDEN

By Kymberly Taylor Photography By Geoffrey Hodgdon

Vol. 5, No. 5 2014 21

What does a nineteenth-century garden have to do with a sports car from the 1930s? Both are the rare progeny of a private world, a past seldom penetrated by outsiders. These worlds will merge briefly the last weekend in September, when participants of the Eighth Annual St. Michaels Concours d’Elegance will stroll the rolling grounds of the Knightly Estate for a private party.

During the era of big bands, Gone With the Wind, and Charlie Chaplin, you would certainly see a car like the one parked here, a 1936 Bugatti Type 57 Atlantic Coup, at all the grand parties.

The Bugatti is one of the world’s rarest and most expensive cars.

There were four Bugatti Type 57 Atlantic Coupes produced.

Three survive. There are two exact recreations made with all Bugatti parts. Jay Leno has one and the other is pictured here from the North Collection.

Over the past twenty years, the North family has painstakingly recreated this car using Bugatti parts, right down to the fenders, instrument panel, and engine drive train. It is identical to the Bugatti Atlantic owned by Ralph Lauren. Etorre Bugatti’s, son, Jean Bugatti, personally designed the Atlantic and was influenced heavily by 1930’s aircraft design. He combined the sleek aerodynamic lines of the fighter jet with the teardrop shape, which was avant garde at the time. Other features are a raised dorsal fin and v-shaped dip at the bottom of the radiator and mesh grilles on either side of the engine compartment.

Upon examination, the Knightly Estate, composed of a towering Federal-style home from the 1820s and a seventy-acre farm, is equally impressive. Its owner, Alice Ryan, is a native of Talbot County and founder of the nonprofit Women and Girls Fund of the Mid-Shore as well as Chair of the Board for the rape crisis and support center For All Seasons. In 2007, she and her husband called in Hans Bleinberger, a horticulturist at McHale Landscape Design in Annapolis, to simply repair the fountain, and revive the plants. “What followed were plantings, and then more plantings,” he recalls. For the next seven years, Bleinberger worked with the faint imprint of what may have been a Victorian garden conceived in the 1800s. He took the Victorian garden to its next incarnation, the Edwardian garden.

“The Edwardian garden plan made sense, as it is a modern adaptation of a traditional form,” he explains.

The Edwardian style garden, whose heyday was in England from about 1900 to 1906, evolved from the highly structured Victorian garden, which has precise, geometric lines and organized groups of plantings. In contrast, the Edwardian garden incorporates curving paths and is meant to be strolled through and examined, providing entertainment to gentility.

Ryan’s garden retains the formal border but flowers inside are allowed to spill forth, explains Bleinberger. “Alice added her own special touch,” he recalls. Taking advantage of the freedom afforded her by the twenty-first century, she expressed her individuality, planting hundreds of bulbs that explode with color, yet still respect the Edwardian form.

Paths create order and control circulation, explains Bleinberger.

Ryan diverted once again, and created for herself a tiny enclave

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Annapolis Home

Top left: David North & George M. Walish, Jr., St. Michaels Concours d’Elegance Chairman Top middle: A curving hedge is just one detail of the Edwardian garden.

Top right: Active community outreach organizer Alice Ryan relaxes at the Knightly Estate.

Bottom: The Knightly Estate is irrigated by rainwater collected from the property’s seventy acres.

Vol. 5, No. 5 2014 23

where “offerings” from nature have taken root and thrived. “I like Leeds Creek. I grew up two farms down, and I have lots of good memories,” she says. Here, below a grassy knoll, is a bench painted sky blue, a gnome, and azaleas planted in memory of her father.

“This is my sense of whimsy,” she says. “I love this spot. See that watermelon over there? It must have sprung up when the mulch was put down. I just had to leave it.”

Most likely, she will work right up until the day this Bugatti reappears in her gardens. Ryan is hosting a party for contest participants. A day before the Concours d’Elegance officially opens to the public, it is a tradition for the show cars to form a line and promenade through Cambridge to St. Michaels, dropping in for refreshments at a neighborhood estate along the way.

George M. Walish, Jr., chairman and founder of the St. Michaels Concours, notes that the Concours has expanded and that this year’s entries include more prizewinning vehicles seen at hot spots such as Amelia Island and Pebble Beach. Some of the rare

This Bugatti Atlantic Coup is identical to Ralph Lauren’s.

24

Annapolis Home

automobiles on display include a 1934 Pierce-Arrow convertible sedan with coachwork by LeBaron, the only one made; a 1932 Packard Model 904 convertible Victoria with coachwork by Dietrich, one of four built; and a 1929 Rolls Royce P1 convertible sedan with coachwork by Hibbard & Darrin of Paris, originally owned by the Rothschild family. For sports car enthusiasts, the entrants include a 1949 Jaguar XK120 Roadster with alloy body, one of only twenty-five made; a 1954 Siata 200CS, body by Balbo; and a 1954 Arnolt-Bristol Bolide, body by Bertone.

Also, there will be a fashion show, with a catwalk. Walish explains that the origin of the Concours d’Elegance (Competition of Excellence) dates back to the 1920s and 1930s in the Parc de Paris. The coutures would introduce the latest in fashion and the automobile coach builders would display the latest in automotive design. He continues this tradition and promises us that the collision between the worlds of antique cars and contemporary fashion will produce an exceptionally good time. AH

2014 St. Michaels Concours d’Elegance SUNDAY, SEPTEMBER 28, 2014 10:00 AM TO 4:00 PM For event details, go to www.smcde.org

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“All hail, Macbeth! hail to thee, Thane of Glamis!

All hail, Macbeth! hail to thee, Thane of Cawdor!

All hail, Macbeth! thou shalt be King hereafter.�

Macbeth Act II, Scene 2

All the World’s a Stage

By Kymberly Taylor & Sally Boyett Photography By Joshua McKerrow

The Tragedy of Macbeth Presented by the Annapolis Shakespeare Company In the following photo essay, the Annapolis Shakespeare Company collaborated with Annapolis Home Magazine to stage scenes from The Tragedy of Macbeth, which opens on October 24th. For our project, we chose a modern-minded home on the Magothy River by architect Chip Bohl with landscape design by the late landscape architect John Gutting.

Shakespeare’s master plot has many layers. Macbeth, in his quest to reign Scotland, murders King Duncan. He is encouraged by three Weird Sisters who trick him with riddles that seem to prophesize his future victory. Goaded on by his cruel, power-crazed wife, Lady Macbeth, he becomes a serial killer, gradually abandoning his sense of right and wrong, deluding himself to justify his actions. There are many complications and obstacles and, obsessed, he butchers not

just King Duncan and his guards, but all in his path, including his fellow soldiers, friends, Lady MacDuff, her son and Lord MacDuff’s entire family. Macbeth revels in his decadent crimes, for his mind is disintegrating. When challenged to a duel by Lord MacDuff, he finds at last that he can kill no more. He is beheaded by MacDuff, who, as foretold by the Weird Sisters’ tricky prophesy, would go on to rule Scotland.

We find beautiful the contrast between the two powerful forms of Elizabethan drama and modern architecture, how the clean lines and natural light illuminating this space balances the darkness of Macbeth’s unraveling psyche as his morals dissolve and madness heightens. We are intrigued that each form, one ephemeral, the other concrete, somehow gains our trust as it reveals its truths.

Vol. 5, No. 5 2014 29

That tend on mortal thoughts, unsex me here, And fill me from the crown to the toe top-full Of direst cruelty!

“Why, worthy thane, You do unbend your noble strength, to think So brainsickly of things. Go get some water, And wash this filthy witness from your hand.�

Macbeth Act II, Scene 2 30

Annapolis Home

“The room is an isolated observation platform, much like Phillip Johnson’s Glass House. The oval structure, with its varied window-frame patterns that imitate the random shapes of tree trunks, is in the spirit of the organic designs of Frank Lloyd Wright. So one room unites the two poles of modernism: the natural and classical.”

Chip Bohl

Vol. 5, No. 5 2014 31

“Double, double toil and trouble: Fire, burn; and, cauldron, bubble.

By the pricking of my thumbs, Something wicked this way comes.�

Macbeth Act IV, Scene 1

Great plays like Macbeth are performed often in Annapolis, thanks to Sally Boyett, founder of the Annapolis Shakespeare Company. The Company has offices on 111 Chinquapin Round Road in Annapolis, and recruits the most talented actors in the region for each production. For the past three years, they have performed plays at various local venues and are now in search of their own full-sized theatre. We urge the community and especially the City of Annapolis to help this talented Company procure a suitable building. We want this ensemble to thrive for they enrich greatly the Annapolis art scene. For more information and a schedule of upcoming performances, go to www.annapolisshakespeare.org.

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Vol. 5, No. 5 2014 33

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D R A Y T H A S O A B B The Creative Tide Throws an Outdoor Party

By Robert Haywood

Photography by Lee Kriel

With a flare for the uncommon, Creative Tide hosted an outdoor party at the boatyard Port Annapolis that was no ordinary dinner party.

Consisting of talented design professionals who are also small business owners from the Annapolis area, Creative Tide meets regularly to discuss the design field, their businesses, and everyday concerns like schools and motherhood. It’s much better than your typical networking group because the members share a common purpose: they possess “a passion to grow their businesses in creative ways” and value “a powerful meeting of minds” which “allows continual education, growth, and energy.”

Furthermore, they “embrace the Annapolis lifestyle and all that our community has to offer, and hope to cultivate the growing design/arts/ fashion movement.”

On the afternoon of the event, members showed up at Port Annapolis with wares from their homes and individual shops. Most of the furniture and accessories for the party came from Dreamhouse Studios, owned

by Kim Mohr and Erin Olexia. Ellen Allen of Ellen Allen Annapolis provided items such as the Sadler Ice Bucket and Sadler Glass Ware.

Designer Victoria Larson of Victoria Larson Textiles supplied the St. Barth’s Gate fabric in navy on X benches and pillows.

Jenny Davids of Hen House Linens provided the gorgeous linens, including the Greek Key Agua tablecloth. Wendy Rabin, owner of WRABYN, styled the members’ clothing, including the jewelry.

Architect Angela Healy provided styling for the dinner and food table.

The evening started out with cocktails, with Jenny Davids’ bourbon sour, the recipe of which we share with readers of Annapolis Home.

Amanda Volkoff catered the food, which included a shrimp salad, watermelon, tomato caprese salad, and orange and dill cucumber salad.

Creative Tide member Lee Kriel of Lee Kriel Photography photographed the entire event, from the stringing of lights in the tree above the dinner table, to the hanging of the “chandelier”—a worn grey and yellow buoy—to the evening dinner as the sun set and guests enjoyed fine food and conversation.

To personalize the event, they each brought a setting of their own china, sharing with each other the personal character of china, most often selected and gifted as a ritual of marriage.

What can we take from this event? You don’t have to have a glittering chandelier. You can use other people’s china. And you don’t even need a home for a fine party. You can host your party at a nearby boatyard or other unlikely venue.

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AH

Each member of Creative Tide brought a set of their own china to the dinner party, sparking conversation about the different plate designs.

Rosemary Bourbon Sour Makes enough for 8 and a little splash for an extra sip.

Can be made in a big batch to transport.

3 1 他 1 ( L

C w t c s i r

3 cups bourbon 1½ cups fresh lemon juice ž cup dark amber syrup 10 Rosemary sprigs (2 for batch + 1 each glass for garnish) Lemon rounds for garnish

Crush 2 sprigs by hand. Combine with the rest of the ingredients except the lemon slices. Shake vigorously to combine. When ready to serve, add to shaker of ice, strain over a full glass of ice, and garnish with lemon round and rosemary sprig.

In place of a chandelier, Creative Tide suspended lights and a buoy from branches, giving the dinning area a focal point and enriching the decor with a nautical theme.

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Annapolis Home

What’s Your Style?

THE CREATIVE TIDE 410.263.4900 BEST BATH

Ellen Allen, Ellen Allen Annapolis www.ellenallen.com

Lee Kriel, Lee Kriel Photography (not pictured) www.lkphotography.com

www.kitchenencounters.biz

Jenny Davids, Hen House Linens www.henhouselinens.com

Erin Olexia, Dreamhouse Studios www.dreamhousestudios.net

ESTABLISHED 1981

Kim Mohr, Dreamhouse Studios www.dreamhousestudios.net

Angela Healy, Healy Studio Architecture and Design www.healystudio.com

Wendy Rabin, WRABYN www.wrabyn.com

Victoria Larson, Victoria Larson Textiles www.victoria-larson.com

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TWO CREEKSIDE CABINS Just the thought of a cabin in the woods evokes images of tall shady trees, perhaps a peaceful water view, cool, quiet evenings on a rustic porch or in front of a fireplace, surrounded by the gentle sounds of nature. It’s a dream many of us have, and, for two homeowners along the South River, it came true.

While they had similar ideas about what they wanted—an Arts and Crafts style residence reminiscent of the 1920s, a wooded lot with waterfront views, the use of natural materials and earth tone colors, and an open space plan for the common areas—the differences in the shape and size of their building lots guided their choices. They wound up with very different homes: The design of each roofline varies as does each home’s proportions, scale, and orientation to the water.

h

By Jerri Anne Hopkins

The Cameron family is an average suburban family—husband, wife, son, daughter, and dog. Ten years ago they went looking for a vacation home on the water and found one in a small, wellestablished community on Beards Creek off the South River.

A few years later they discovered that they liked it so well they wanted to live there full time. But replacing the small older house with a larger one, while still retaining the characteristics they loved about it, proved challenging.

The lot is only 50 feet wide and critical area regulations required building in the same footprint as the original house. So they built up, using differing levels, rooflines, a porch, and decks to break up the bulk of the building and evoke the Arts and Crafts style.

“What we wanted was a 1920s kind of Adirondack camp house on a lake,” Brian Cameron explains. “Something smaller and less formal than what we had in our other house. And we wanted something we could enjoy into our old age. For instance, one of the things we put in is stacked closets, over top of each other in each floor. The storage is great now and later we can easily put in an elevator if we need it.

“We built our first house and learned a lot. When you do that the second one usually comes out better, which this one certainly did. It’s a longer commute for me but when you get to the bridge and see the water, and get that calming effect, it’s pretty nice.”

BEARDS CREEK HIDE-A-WAY Photography courtesy of DiZebba & Sons

The main living area on the first floor has 9-foot ceilings and an open concept. The kitchen and dining areas run down the right side, while the living room is a step down and ends in a bank of windows framing a view of the creek. The second floor has conventional walls, with the master suite and the children’s bedrooms, each with its own bath. The third floor, tucked under the varying rooflines, is currently an office space but also has a bathroom and a small balcony with a hammock. The basement has the mechanical room, a recreation room, a wet bar, and a home theater that boasts a copper ceiling panel pierced with tiny lights depicting the constellations of the zodiac.

The Camerons used natural materials throughout the house: hardwood floors, stone fireplaces, stained and painted wood trims and moldings, all made to recreate the cabin feeling. Even the windows were custom-made push-out windows with screens inside, like 1920s cabin windows. The staircase is a handmade masterpiece of gleaming hardwood and metal winding down to the basement and up two more floors. The builders made optimal use of the unusual spaces created by the varied rooflines, installing custom shelving and cabinets, all with period details.

Guy DiZebba, the builder, is justly proud of the work done by his crew. “The detail work we did really makes the house special.

We did a lot of fitting to make the staircase flow easily from floor to floor,” he notes. But his favorite part? “The light panel in the home theater. It took me two days to fit all those lights in just right, but I love it!

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BROAD CREEK TREEHOUSE Photography by Anne Gummerson Owners Stuart Serkin and Jeff Trammell wanted a similar home, but one especially for rest and relaxation from demanding careers and the hectic pace of Washington, DC, where they reside full time. They searched for some time before finding the right spot. At last, they chose a five-acre wooded lot with an older home on Broad Creek, almost directly across South River from Beards Creek, with just a few neighbors.

Serkin recalls, “We parked on the road and walked up to the house and there was a snake curled up on the step. And you could see right through the windows to the creek. I knew immediately that this was it.”

At first they wanted to keep much of the original house, but found that the foundation had deteriorated too much to save.

They did not have to build upward, as did the Cameron family.

Working with their architect, contractor, landscape architect, and the county planners, they came up with a plan that allowed them a little more square footage and actually moved the location of the house 22 feet back from the water’s edge of the property. Because the neighbor’s house is very close, they added a privacy fence and lots of plants and trees as part of the environmental mitigation required by the county.

They, too, wanted a rustic atmosphere to their new house, opting for an informal great room with a vaulted ceiling, with views of the creek from anywhere in the space. Along the back wall is the kitchen, and between the kitchen and a large screened porch, are dining and living areas. To the right of the great room is a guest suite. The master suite is to the left, and the ensuite bathroom has a soaking tub under a large window also looking out to the creek.

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Vol. 5, No. 5 2014 51

Serkin explains, “Our main goal was to have a rustic feel to the house, cozy and comfortable. We’d never built a house from scratch before; we’d always renovated an old house. The last thing we wanted was to bring suburbia to the woods. And I think we scored a home run.”

Because the land has a definite slope toward the water, Serkin and Trammell could opt for a full basement rather than the large crawl space they first planned. From the front, the house looks like a simple but elegant cabin; from the waterside, with the row of large windows along the living space and the basement wall rising out of the ground, it looks much bigger. They added another guest suite in the basement with its own small patio.

Like the Camerons, Serkin and Trammell used hardwoods and other natural materials throughout, but chose hardiplank on the exterior for long life and easy maintenance, and found reclaimed lumber for the floors. Inside, the light walls and trim details in stained and painted wood echo the Arts and Crafts style. Because the great room is all on one level, they only clad the fireplace halfway up with stone so it wouldn’t overpower the space.

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The most remarkable features of the great room are the exposed wood trusses in the vaulted ceiling, which lend strength and structure to the open concept. At first Serkin and Trammell resisted the idea of trusses, recalls architect Fred Sieracki. However, they finally acquiesced. This design choice is in line with the Arts and Crafts-style tendency to expose building materials, so their intrinsic beauty can be appreciated. “When you have a large span, you are going to need substantial structure. You can hide it, making it look like it is held up by magic, or express it.

We wanted to express the structure. We chose naturally finished lumber that is on the rustic side to create the feel of a relaxing, casual space,” reflects Sieracki.

It may be the trusses that lend this cabin its rough-hewn charm. Or, it could be its compact, reassuring form, its leaf-strewn perch. There is a touch of elfin luck in the air, or the idea that something unexpected and wonderful could blow in on the next breeze. Such artistry cannot be planned. It is a gift that occurs when creative people exchange notes, charge the air with ideas, and then retreat to their favorite chairs on the screened porch. AH

RESOURCES BEARDS CREEK HIDE-A-WAY Builder, Guy DiZebba, DiZebba & Sons, www.dizebba.com Architect: Scott Rand, Scott Rand Architecture, www.scottrandarchitects.net

BROAD CREEK TREEHOUSE

Architect: Fred Sieracki, Fred Sieracki Architects, www.fs-architect.com Builder: Matt Long, Gate One Builders, gateonebuilders.com Landscape Architect: D. Miles Barnard, South Fork Studio, www.southforkstudio.com

Let's make beautiful happen... interior design & fine home furnishings 410.975.9917 JulieBassInteriors.com Owners of the Broad Creek Treehouse, Stuart Serkin and Jeff Trammell

Vol. 5, No. 5 2014 53

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The Chase-Lloyd House began the trend in Annapolis of making the dining room the most important social room in the house.

Astonishing Interiors

On the Corner

By Chip Bohl Photography by Geoffrey Hodgdon

Two homes occupy the pinnacle of the eighteenth-century Annapolis Golden Period: the Hammond-Harwood House and the Chase-Lloyd House. Both houses were completed in 1774, the year of the death of their architect, William Buckland. Their exterior appearances are conservative and reserved. Their interiors are sumptuous and layered with classical decorative features. Both were built as the dining room was becoming the most important entertainment room of the house, and as second floor rooms were being used as social spaces. Both of these homes survive today as originally built, without significant alteration and with their wealth of interior architecture intact.

Unique to the Chase-Lloyd House is its interior staircase, a striking and monumental architectural accomplishment. Placed on direct axis with the front door, the stair rises to a landing with a massive Palladian Venetian window. Reversing and folding back on both sides of the first staircase are two more flights ascending to the second floor.

The molding profiles of the stairs consume the entire bottom of each tread. The stair brackets typically placed at the end of each step instead extrude back to the side walls.

The stairs float weightless, with no visible means of support. The undersides of the stairs have a visual movement rippling from top to bottom. Accentuating this flow is the smooth continuous ribbon handrail unbroken by any newel post. You can grasp the handrail at the first floor, go to the landing, climb on up to the second floor, walk across the second floor balcony, and then go down the other side and back to the first floor without taking your hand off this one rail. The organic movement and sensuous Rococo fluidity is an extraordinary achievement of design and construction craftsmanship.

The Chase-Lloyd House in Annapolis | Part II

The stair landing features a massive Palladian window that overlooks the rear garden and provides soft northern light into the center of the house. The floating stair treads to the second floor are cantilevered from the adjacent walls.

The bottoms of the treads are molded to the shape of the end bracket. This gives the stairs their weightlessness.

An original wrought iron reinforcing baluster is seen here on the far left.

Vol. 5, No. 5 2014 59

The wooden handrail balusters are square in cross section; they do not have the round turned spindle profiles one might expect. This was a new English style at the time, and greatly simplifies the visual composition, emphasizing the overall fluidity of the stairway parts.

The square plain balusters also helped to stylistically separate this staircase from the older, more ponderous heavy stair styles that soon became outdated. After the Revolutionary War when building started up again, the square baluster became the standard for residential stair construction for the next two generations, well into the nineteenth century.

A very clever device was used in the stair handrail construction.

In order to maintain the rigidity of the curving handrail without newel posts, Buckland inserted wrought iron balusters at regular intervals. These iron balusters mimic exactly the wood square balusters: they are square in cross section, are the same size, and are painted the same shade as the square wood balusters. They extend inconspicuously down through the stair tread and are attached to a wrought iron strap that mimics the curved molding of the bottom of the tread. These iron assemblies ingeniously reinforce the handrail and are practically invisible. This structurally inventive use of wrought iron masquerading as wood is further testament to the astonishing level of craftsmanship used in the construction of these remarkable stairs.

The handrail is one continuous ribbon from first floor to landing, to second floor and back down to first floor. The absence of newel posts and the square balusters was “new� in 1774.

The entrance hall is the overture to the staircase and is established by a most elegant Ionic entablature that acts like a deep crown molding. The entablature features modillion brackets at the top and a Greek wave pattern in the frieze. The entablature is supported by Scamozzi Ionic columns and pilasters. The Scamozzi Ionic capital is defined by the Ionic volutes projecting at a 45 degree angle from the corners of the capital. Buckland also used the Scamozzi capital at the front door exterior pediment surround and on both sides of the Palladian window at the stair landing. The entrance hall is classically and precisely symmetrical. Its design is based entirely on architectural forms of classical origin. There are no Rococo theatrics; these are reserved for the stairs and the dining room woodwork.

The dining room was built as the most important social room of the Chase-Lloyd House. Most of the earlier homes in Annapolis featured the parlor as the prime entertaining space. The windows and doors have deep rope carving trim. The tops of the doors have split pediments, a signature of Baroque and Rococo architecture.

The dining room once had an elaborately detailed plaster ceiling that was lost in the nineteenth century. The plaster crown molding we see today may be the base remnant of the original ceiling.

The parlor is a wonderfully elegant room, not as flamboyant as the dining room or as dynamic as the stair hall. The plaster coffered ceiling is a profound artistic effort, a direct reference to ancient classical architecture. Standing in the parlor you can feel the fragility of the ceiling, shaken and slightly damaged by the recent earthquake. This room more than any other space I know feels like it is the center of Annapolis. AH

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The woodwork of the dining room is flamboyantly Rococo, with rope moldings and split pediments above all the doors.

The parlor is profoundly elegant. Rich in architectural detail it survives intact from its 1774 construction. The decorative plaster ceiling directly references coffered designs from classical antiquity.

Chip Bohl is an architect in Annapolis, Maryland. His office is in its thirty-sixth year. Please visit www.BohlArchitects.com to see completed projects in the Chesapeake Bay area, Los Angeles, New York, and a recently completed home in Merida, Mexico.

Vol. 5, No. 5 2014 61

The Second Home Market Is It Fina l l y C omi ng B a ck ?

B y D a v i d DeS an ti s | P hot o g r aphy By Se an Shana h a n 62

Annapolis Home

Real Estate The Annapolis area and the greater Chesapeake Bay feature some of the most idyllic waterfront property on the East Coast. In addition to peaceful relaxation, a home on the water affords ample opportunity for entertainment and recreation. Unfortunately, for at least the past seven years, the one thing it has not provided is an appreciating investment. Although values are now slowly increasing, the waterfront market is still well below its peak values pre-2007 and nowhere near the type of impressive performance exhibited by more urban housing choices in Washington, DC or even Baltimore. How do we explain this discrepancy and what should home buyers and sellers look out for and expect in the months and years ahead?

First, a look back. Anne Arundel County home values reached their peak in the latter half of 2006 and the beginning of 2007 when the median sold price for all homes was $354,000. For the second quarter of 2014, the median sold price is $320,000, still almost 10 percent below peak. Talbot County, Maryland, on the other side of the Bay, reached its peak in the beginning of 2007 at $410,000. The same period in 2014 shows a very disappointing median price of $317,500, still only 77 percent of peak value. By contrast, home values in Washington, DC surpassed their pre-recession peak in the 2nd quarter of 2012 and are up over 15 percent since.

to high value purchases. Much stricter underwriting requirements post-2008 require lenders to place a much greater burden of documentation on jumbo mortgage applicants. Even buyers who may have no problem qualifying are sometimes put off by the intrusive nature of the paperwork required to get a home loan in the postfinancial crisis environment. High loan-to-value mortgages are a thing of the past in most cases. This becomes even more complicated when the property is a second or third home and nearly impossible when the purchaser is from a foreign country. All of these factors have conspired to keep buyers away and suppress the value of homes.

When meeting with sellers at a listing appointment for waterfront homes, we are often asked why other waterfront destinations like the Hamptons or Cape Cod do not suffer from the same ongoing doldrums as the Chesapeake Bay. Ironically, the answer lies in exactly

These median numbers hide an even more drastic change in pricing for “premier” properties, waterfront homes, and larger properties of a historic nature. Estate homes are still selling for millions below list prices and well below their typical values in 2005–2006.

So what’s keeping these numbers down and when will they come back up? Many of the larger homes along the Bay are second and third homes, or alternatively, what we would call “wish list” homes, the homes that buyers move to or construct when the kids are gone and they can enjoy a more tranquil waterfront lifestyle.

Unfortunately, the Great Recession had a huge impact on the purchase of these homes. Even families whose personal finances were not decimated by the recession have been much more reticent to part with millions in disposable assets when the future course of the economy has been so uncertain. Those wish list buyers would have loved to have sold their family homes to move to the water but their equity was drained by the recession. Instead they have chosen to wait until those values are back up.

Furthermore, buyers in general are much more cautious about purchases now than they were five years ago. There is much less tolerance for homes in a state of disrepair or renovation projects.

Buyers want a comfortable home that is move-in ready. Inspection items that may have been overlooked in the past often sink a deal in the current environment. We have seen multi-million dollar deals fall apart over $10,000 in repairs because buyers are nervous.

Finally, the lending environment has not been particularly hospitable

what makes the Bay special to so many of the people who live and purchase here. Most Bay-front communities, including Annapolis, are relatively quiet and peaceful compared to their more “glamorous” counterparts. We may not sell homes for $20–50 million apiece but neither do we encounter the traffic, congestion, and other headaches associated with being a major national and international destination.

Mid-Atlantic buyers value the economic diversity of the towns they live in. Many waterfront mansions sit right next to modest cottages and that suits us just fine. Although everyone would like to have higher home values, many owners think this is a worthy tradeoff.

So what’s to come in the years ahead and how should buyers and sellers react? We think that values will slowly increase through the Chesapeake Bay. In certain pockets it may take several years before we even get back to 2007 numbers. If the economy continues to improve,

Vol. 5, No. 5 2014 63

This Page: Photos courtesy of Michele Sheiko or even simply stays stable for the next 2–4 years, buyers will show more confidence and pent-up demand will push values higher. As a buyer, the question of whether you should purchase now or wait really depends on many factors beyond where you see values heading. For families in a comfortable financial position, the purchase decision is often more focused on lifestyle. Even if your home doesn’t significantly appreciate over the next several years, the value you place on having a great destination to entertain family and friends can be paramount to price.

For sellers, the equation is similarly complicated. Your home may be worth 5–10 percent more in a few years, but what other opportunity might you have missed by holding out for that extra value? Could you have purchased another home in a faster appreciating market? Or perhaps it’s time to downsize and relieve yourself of the responsibilities of owning a larger waterfront home. At some point, every seller recognizes that it’s time to let go and move on to the next phase of life.

In either case, it’s important to know what is happening with values in your neighborhood and be very comfortable with the details of your own financial picture. The services of competent financial advisors and real estate agents can be beneficial, even if your choice to buy or sell isn’t imminent.

Sellers should do everything they can to make sure a home is in showready shape before putting it on the market. Deferred maintenance will have a major impact on the trade value of a property. Buyers always tend to inflate the potential cost of repairs so making a $10,000 repair now will likely result in a $50,000 higher sale price. Sellers should ask their real estate agent for advice on staging and presentation. And pay careful attention to a real estate agent’s marketing plan. Since many of the purchasers for waterfront homes live outside the immediate vicinity,

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it is crucial that your agent has effective and far-reaching Internet marketing and will do more than stick a sign in the yard and wait for the phone to ring.

Buyers should seek the advice of a lender or financial advisor well before contacting an agent to assist with showing properties. Even offers below the asking price are better received when the buyer is prepared and has their paperwork in order, especially since loans sometimes take much longer to close than they used to. Well-prepped buyers make for more accommodating sellers.

The Chesapeake Bay is a fantastic place to own a home even if it is not the best investment you ever make. The intangible qualities of beauty and serenity have a huge value. Going into a sale or purchase with your eyes wide open is the best way to proceed. AH Previous Spread: This waterfront home, designed by Joe Boggs, overlooks the Severn River.

This Page: This remodeled home, although not on the water, offers access to downtown Annapolis.

1902 Carrollton Road Listing Agent, Ron Mangas, Jr. TTR Sotheby’s International Realty • $3,395,000

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The

Bartlett Pear Inn in Easton

Dirt to Table Dining

By Christine Fillat Photos courtesy of Jenna Walcott

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The Bartlett Pear Inn in Easton has been getting a lot of buzz lately as the place to go for fine dining in Maryland. Owned and operated by Jordan and Alice Lloyd, the couple are Easton natives, come back to the homeland after forays into the culinary corners of the Atlantic coast.

Chef Jordan Lloyd’s basic philosophy of cuisine is something he calls “dirt to table.” “My goal,” says Lloyd, “is to have the products in the dirt in the morning and on the table at night.” Lloyd works with local farmers who supply the restaurant. This year, the Lloyds started their own organic farm where they grow much of the produce that is on the restaurant’s tables.

A companion and I made an early reservation on a Thursday evening in mid-August. Painted a restful plum, the walls are hung with striking monotypes by Zemma Mastin White, Alice’s aunt. There are starched white table cloths, sturdy classic furniture, and the floors are hardwood, the better for the wait staff and the ebullient Chef Lloyd to bustle about and give personal service to each diner. At 5:30 p.m., the restaurant was relatively quiet, but it became animated as the night progressed.

We started with two signature cocktails, the Glass Pear, with fresh pear juice, vodka, pear liqueur, and cassis, and the Phil Collins, with Broker’s Gin, lemon, tarragon, and a pretty, square cucumber ice cube. The beverages were refreshing and just the way you would want a cocktail to be: a little prelude to dinner, something to mellow the senses, and with the use of fresh herbs and juices, a hint of what is to follow.

Straight Up on Dining Out For appetizers, the Octopus Garden Grilled Baby Octopus, “Chaud-Froid,” is served with a surprising curry-kaffir lime leaf ice cream and squid ink tuille. This dish must be eaten quickly, as soon as it reaches the table, for the full effect of the hot grilled octopus with the cold, savory ice cream. If you linger over this dish, the curry-kaffir lime leaf ice cream becomes a cream sauce. It’s still good, but the joy of the hot-cold contrast is lost.

The fork-tender Black Bottom Farms Braised Pork Belly, with an Asian cabbage slaw with vegetable pickles, was crunchy and fresh, another study in contrasts: the delicate with the crisp.

My choice of the Pan Seared Rhode Island Sea Scallops, with citrus marinated beets and grilled romaine lettuce, was that of the detective. It’s the test of a kitchen to produce scallops that are flavorful and fresh tasting.

I also love beets and grilled romaine lettuce.

The beets were petite and grown on a nearby farm. More dirt-to-table. The scallops didn’t disappoint: they were nicely seared and delicious. Surprising was the lotus root chips.

Crunchy like a potato chip but decidedly exotic, a lovely garnish.

My companion chose the slow-roasted rabbit for his main dish. Served on a generous bed of haricot vert with pearl onions and radishes, with a classic blanquette sauce made with grainy mustard. The rabbit was fall-off-the bone tender, and the sauce was the sort that would inspire one to taste and taste again.

For dessert we had a cheesecake ice cream parfait with blueberry compote, and a white peach jubilee with anise hissop pound cake and Gran Marnier. The cheesecake ice cream was fine but ordinary. When I think of pound cake, I envision cake and crumb. Flambéed tableside by Chef Lloyd, the cake became crisp, like a cookie. It was good, but not what I was expecting.

In all, the food at The Bartlett Pear Inn is excellent. Chef Lloyd’s credo is righteous, and the experience is well worth the visit.

The Bartlett Pear Inn is also a bed and breakfast. The Lloyds host cooking lessons, jazz nights, and wine paired evenings. In the pursuit of taking dirt to table nationwide, the couple has just introduced a kickstart campaign to produce an online video food series, “Life of an Ingredient.” There are no boundaries for this Pear.

AHM Rating Design & Decor

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Food

Service

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5 = truly memorable | 3 = needs improvement | 1 = forgettable

The Bartlett Pear Inn is located at 28 South Harrison Street Easton, Maryland 21601 410.770.3300 Hours of Operation Restaurant: Wednesday-Sunday 5:30-10pm, Closed Monday and Tuesday / Inn: Always Open info@bartlettpearinn.com Reservations: reservations@bartlettpearinn.com

Chef Jordan Lloyd worked with Michel Richard at Citronelle in Washington, DC, Thomas Keller at Per Se in New York, and Christian Delouvrier at La Goulue in the Bal Harbour Shops in Miami. He learned European-style service at Auberge du Soleil in Hilton Head, SC, and The Four Seasons in Washington, DC. Christine Fillat lives on the Magothy River and is an aficionado of Chesapeake Bay cooking and living.

Vol. 5, No. 5 2014 67

The Scene

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Riverkeeper Cruise on the Catherine Marie Photography by Bill Cranford

During the evening of August 14th, the Baldwin Family and the Severn Riverkeeper hosted a cruise to support the Severn River Restoration Program, a leader in stream restoration. According to Fred Kelly, the Severn Riverkeeper, the organization is “building prototype stream restoration projects for the entire Bay watershed, but building them on the Severn.” This fundraising event took place on the luxury cruiser, Catherine Marie.

1. Guests enjoy an evening cruise on the Catherine Marie 2. Severn Riverkeeper Fred Kelly, Abbey Iliff, and Jesse Iliff 3. Terry Petersen, Bob Petersen, Roopa Patel, Kanak Patel, Keith Goulet and Hillary Goulet

4. Scott Hymes, Lauren Bailey, Kevin Brooks, Brian O’Meara, Colleen Baldwin, and Jay Baldwin

7. Bill Boettinger, Tim O’Neill, Keith Foster, Cindy O’Neill, and Stephanie Foster.

10. Musicians Pilgram & Trout; David Majerowicz and Gregg Whipp

5. Belinda McClure, Lisa Marberger, Bev Ferrar, and James Marberger

8. Erik Michelsen and PJ Klavon

11. Mia Cranford of Annapolis Home/Looking Good Magazines and Mayor Mike Pantelides

6. Ruth Reeves and Roger Reeves

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9. Gregg Strott and Colonel Robert Kaufmann

12. Savitha Chengappa, Meg Hutchings, Anna Bailey, and Josh Strange

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WalterWorksHardWare • in Annapolis

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Quality Home Improvements Proprietors:

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For information contact Robert Haywood Phone: 443.942.3927 Email: robert@annapolishomemag.com

HOME & PROFESSIONAL SERVICES GUIDE

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Compass Stone & Tile Studio

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PROFESSIONAL SERVICES

314 Design Studio

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Dreamhouse Studios

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Maryland Paint & Decorating 410.280.2225 | mdpaint.com

Maryland Shower Enclosures

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The Frame Shoppe

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Doug Ashley Realtors

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Moran Insurance

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Portraits by Laura Era 443.521.7419

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Walterworks Hardware

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When contacting the advertisers please mention that you saw their ad in Annapolis Home Magazine.

Vol. 5, No. 5 2014 71

Page After

Polonsky Shakespeare Center |

H3 Hardy Collaboration Architecture

The Theatre for a New Audience’s Polonsky Shakespeare Center in downtown Brooklyn, NY was designed to support performance of Shakespeare and great dramatic literature. Designed by architect Hugh Hardy, the $47.4 million theatre is a 27,500 square-foot “glorious space for performances that take audiences out of themselves and into the realm of the greatest storytellers who ever lived. “ To learn more about the theatre, which opened in 2013, visit www.tfana.org.

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Annapolis Home

Architect: www.gardnermohr.com

Builder: Berliner Construction

Photographer: www.kenwyner.com

For luxury homeowners — and the architects, designers and custom builders who create their dreams — Loewen is the brand that delivers an unrivaled combination of artisanship, experience, and environmental sensibility in an extensive line of Douglas Fir, FSC Douglas Fir and Mahogany windows and doors.

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Vol. 5, No. 5 2014 73

HOW MUCH RETIREMENT INCOME WILL YOU REALLY NEED? What is enough? What is not enough?

If you’re considering retiring in the near future, you’ve probably heard or read that you need about 70% of your end salary to live comfortably in retirement. This estimate is frequently repeated, but that doesn’t mean it’s true for everyone; it might not be true for you.

You won’t learn how much retirement income you’ll need by reading this article. You’ll want to meet with a qualified retirement planner who can help you plan to estimate your lifestyle needs andshort-term and long-term expenses.

With that in mind, there are some factors which affect retirement income needs; too often, they go unconsidered.

Other retirees are super-conservative investors: their portfolios are so risk-averse that they can’t earn enough to keep up with even moderate inflation, and over time, they find they have less and less purchasing power.

Spending Habits. Do you only spend 70% of your salary? Probably not. If you’re like many Americans, you may spend as much as 90% or 95% of it. Will your spending habits change drastically once you retire? Again, probably not.

Most people only change spending habits in response to economic necessity or in pursuit of new financial goals. People don’t want to “live on less” once they have had “more”.

Social Security (or lack thereof). Will Social

Security even exist by the time you’ve retired? A Health. Most of us will face a major health study from the Government Accounting Office brings problem at some point in our lives; perhaps even this into sharp focus, stating that the long-lived program multiple or chronic health problems. We don’t want to think about that reality. But if you’re a new may start to run out of money by 2036 and may be broke by the end of that decade. Furthermore, the GAO retiree, think for a moment about the costs of suggestsa 20% cut in benefits, due to increased longevity prescription medicines, and recurring treatment for chronic ailments. These minor and major costs and lower employment. Even if SSI is still a growing can really take a bite out of retirement income, even concern in 2040, it may be very slim pickings. 3,4 with a great health care plan. While generics have So will you have enough? When it comes to demonstrably slowed the advance of precription retirement income, a casual assumption may prove to drug costs in the past, one estimate found that be woefully inaccurate. Meet with a qualified retirement 65-year-old couple who retired in 2011 would pay planner while you are still working to discuss these $230,000 for health care costs, excluding insurance factors and estimate how much you will really need. and Medicare, as well as the costs for nursing home care. 1,2

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Heredity. If you come from a family where people frequently live into their 80s and 90s, you may live as long or longer.

Imagine retiring at 55 and living to 95 or 100. You would need 40-45 years of steady retirement income.

Portfolio. Many people retire with investment portfolios they haven’t reviewed in years, with asset allocations that may no longer be appropriate. New retirees somtimes carry too much risk in their portfolios, with the result being that the retirement income from their investments fluctuates widly with the vagaries of the market.

Executive Team: Jane Sinclair, President, and Mike Steranka CEO

RETIREMENT PLANNING Services Incorporated

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8530 Veterans Highway, 2nd Floor, Millersville, MD 21108 Telephone: 443-308-5200 Fax: 410-451-2864 www.RPS123.com | info@RPS123.com

*Securities offered through Broker Dealer Financial Services Corp. Member FINRA & SIPC. Advisory Annapolis Home services offered through Investment Advisors Corp., an SEC Registered Investment Advisor.