RICHMOND VIRGINIA | VOL. 1
INSIDE THIS ISSUE: FEATURED ARTICLES
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RETIREMENT • INVESTING • VACATION
RECOMMENDED SERVICE DIRECTORY
TRAVEL • LIVING • HEALTH • DINING
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CO NTE NT S FEATURES 4
Investing For The Future
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Senior Living
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Destination Vacations
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Local Event Guide
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22 Saving For Retirement
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26 Luxury Living 28
Recommended Service Directory
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INVESTING FOR THE FUTURE Not many people stumble into financial security through sheer luck: a lottery win, big inheritance, or huge stock winnings. For most of us the only way to financial security is a long term plan of saving and investing. Consistency is key to reaching long term goals no matter your income. The sooner you start saving and investing, the longer your money has to compound and grow. Set goals for how much of your income you will invest monthly and stick to it. Keep investment money and cash reserves separate so you won’t dip into your investment account when the market is down. Keep expenses low and spend on what is really important to you whether it is experiences or material things. Try to avoid the big mistakes, like buying a home that is more than you really need or creating a heavy debt load. If your employer offers a matching 401(k) contribution, be sure to take advantage of that option and contribute at least enough to receive it. It is essentially 4
extra income that will grow and compound and is not taxed until you withdraw it. You can do it yourself but it probably makes more sense to work with a financial advisor who is more knowledgeable about financial markets. An advisor will help analyze short term vs long term needs, separate emotions from objectives as well as help with devising a portfolio and strategy suitable for your needs. Investing consistently over the long term is the best way to grow your wealth as there is no way to time the market.
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RETIRE WITHOUT CHANGING YOUR LIFESTYLE
Today’s upscale senior communities offer “resort style living” which is hospitality-oriented and resembles a 4-star hotel or cruise ship rather than a hospital or retirement home. Amenities Some of the more luxurious communities at the deluxe level even feature lively bars with chandeliers and overstuffed pillows. More standard amenities include:
Activities: Education and Entertainment, Fashion shows, Lectures from retired professors and various social and cultural events which are all examples of regularly planned activities for residents at higher-end facilities. In urban settings, planned outings to the city for museums, art galleries or theater visits are frequent occurrences as well. Grounds-keeping: Luxury communities are beautifully designed on the outside as well, from gardens to ponds to putting greens and walkways. Many include well-appointed courtyards for residents to socialize, relax, or enjoy a meal. Concierge Service: Offering ‘Concierge Service’ is what makes a Senior Living community a Luxury one. Similar to a hotel concierge, a resident can use the Concierge to arrange hotel flights or tickets to events, a service that makes these luxury communities clearly more desirable to prospective residents and their families. 8
Modern Therapies: Assisted living communities offer personal care to their residents, and the best communities often offer top notch therapy on top of standard care. In addition to specialized pet and physical therapy, upscale communities often also provide top notch occupational therapy, and music therapy, and always from trained and certified professionals. Residences: The kitchen is the focal point of any home and it’s no different when looking at the residence at an Assisted Living community. A standard assisted living apartment has a kitchenette, traditionally including a mini-fridge, a microwave, and a small amount of cabinet and counter space. The luxury assisted living residences feature full kitchens and appliances plus top of the line finishes, like granite counter tops for instance. (. . .continued on page 10)
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Dining: An upscale senior living community will most likely retain a registered dietitian on staff and employ experienced chefs who serve gourmet meals. Choice and variety are crucial for the success of a kitchen at a luxurious community and most have more than two restaurants within the community, each with their own menus. Personal Fitness Trainers and Recreational Facilities: Recreation rooms are always available to use at the residents’ convenience, with computer labs, fitness rooms and cinemas. Fitness programs supervised by physical therapists and personal trainers are also kept on staff by any upscale community. High-end assisted living communities also provide full service spa treatments, beauty salons for the women and barbershops for the men. Additionally, no luxury assisted living community would be complete without a heated pool and spa, which are always popular with residents. Pet Friendly: Studies have shown that pet ownership has been shown to be beneficial to seniors, and more and more luxury communities are open to 10
allowing residents to have their pets on site. There can sometimes be limitations regarding the size and number of pets. They frequently provide pet care such as dog walking, nail clipping, grooming and litter-box changes as well as formal, certified pet therapy. Spacious Apartments: One can expect about 20% more square footage at a Luxury community (approx 600 sf versus 500 sf at a standard community). A Two bedroom apartment at an upscale community can be more than 1200 square feet. Clearly, senior living is not what it was years ago. And for the retiree with means, it can be a lively, active, and rewarding lifestyle full of growth and fun!
RICHMOND | VIRGINIA | VOL . 1
TRENDING LOCATIONS TO VISIT THIS YEAR
Destination
Vacations
If you are looking for an exciting and affordable travel destination, consider the following locations. 1. Hawaii is a tropical paradise loved by all. It offers a rich marine life, unmatched underwater experiences, gorgeous landscapes, volcanoes, and interesting history. Of the six largest islands, Maui has the state’s most beautiful beaches - some with white sand and others with red or black sand. Oahu has Hawaii’s largest city and capital, Honolulu, which is known for Waikiki Beach and Pearl Harbor’s World War II memorials. The weather is perfect and there are endless opportunities for adventure. 2. Barcelona is both a beautiful city as well as a renowned beach town. It boasts a lively nightlife, lots of activities, and restaurants galore. There are amazing museums and galleries; Including the Picasso and Salvador Dali Museums, La Sagrada Familia, and other buildings by renowned architect Antoni Gaudi. Las Ramblas, the main walking street ends with a monument to Christopher Columbus honoring his discovery of the new world. 3. The Bahamas, which is made up of a series of islands, has the clearest turquoise water on the planet, as well as white sandy beaches.
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Underwater adventures abound dive for Spanish galleons, seek out the caves, or go sailing or fishing. The Bahamas offers a plethora of Ecotourism options, from bird watching to hiking. Nassau offers a few cultural sites like Ardastra Gardens and the Conservation center, in addition to being the capital city, but the Bahamas is great for island hopping as well. Or just pick one of the great resorts and relax at the beach.
History abounds and there are interesting museums including the Tel Aviv Museum and the Eretz Israel Museum which covers archeology, folklore, crafts and features an onsite excavation of 12th century-BC ruins. Tel Aviv is also the technology and financial center of Israel.
4. Tel Aviv, known as the non-stop city, is a vibrant and exciting city on the Mediterranean Sea. It offers beautiful beaches, great cafes and restaurants, exciting night life and a 24 hour a day culture.
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LOCAL EVENTS GUIDE
RICHMOND SEPTEMBER
SEPT 9-29 | The Sound of Music The Sound of Music will come to life amongst the majestic Blue Ridge Mountains of Wintergreen Resort in a never before seen site-specific production of the iconic show. A unique ski lift ride will set the stage as audiences are transported to a remote and breathtaking location at the resort where they will be greeted by friendly nuns and rowdy von Trapp Children all professing that the hills are truly alive with music. For more information visit: http://bit.ly/rva-sept9 SEPT 27-OCT 19 | Art Works Exhibits and Reception Fall exhibits at Art Works open with Michelle McGrath’s Tension, and three new solo shows. The Richmond Camera Club will have a group show and of course there’s the monthly All Media art show. It’s Art Works’ 16th anniversary so we’re planning to celebrate in sweet-sixteen style. Please join us September 27th, 6 p.m. –9 p.m. for the opening reception, refreshments, live music and a gallery talk. For more info visit: http://bit.ly/rva-sept27 SEPT 28-29 | Fall Festival Pick your own pumpkins and more at the annual Gallmeyer Farms Fall Festival. Our Gallmeyer Farms 14
Fall Festival is a Richmond Virginia favorite, as we celebrate all things fall in a family friendly environment. The Gallmeyer Farms Fall Festival features live music, free activities for kids, free parking, admission, hayrides, a haybale maze and arts and crafts from all over the great state of Virginia. For more information visit: http://bit.ly/rva-sept28
OCTOBER
OCT 4-5 | Richmond Oktoberfest Be German for a night at the 51st Annual Richmond Oktoberfest Patterned after Munich’s world famous Oktoberfest, ours is the oldest and most authentic Oktoberfest celebration in Virginia and one of the best on the East Coast. We celebrate German heritage in a welcoming, family-friendly atmosphere. For more information visit: http://bit.ly/rva-oct4 OCT 11-13 | Richmond Folk Festival Hosting the 15th Richmond Folk Festival featuring performing groups representing a diverse array of cultural traditions on seven stages. The festival attracts more than 200,000 people to celebrate the roots, richness and variety of American culture through music, dance traditional crafts, storytelling and food. For more information visit: http://bit.ly/rva-oct11
LOCAL EVENTS GUIDE
RICHMOND NOVEMBER
OCT 31 - NOV 3 | Fire, Flour & Fork Fire, Flour & Fork is a four-day culinary event, celebrating the best the Richmond region has to offer: its complex history, its rich artistic community and its established and rising culinary stars. What to expect: a highly curated mix of dining events, demonstrations, talks, tours, food producers, cookbook authors, visiting chefs with Virginia ties, culinary historians and craft spirit makers. For more information visit: http://bit.ly/rva-oct31 NOV 1-10 | Garden Glow Brighten your autumn nights on a wondrous journey through the Japanese Garden at Maymont. The garden will shine with dramatic light displays for an enchanting experience to delight families, couples and nature lovers of all ages. For more information please visit: http://bit.ly/rva-nov1 NOV 22-24 | 55th Annual Crafts & Design Show Eat, drink and shop the work of over 150 artists at the Visual Arts Center of Richmond’s 55th annual Craft + Design Show. Beer, wine and food will be available throughout the weekend. All proceeds benefit the Visual Arts Center of Richmond. Learn more and buy tickets at: https://www.visarts.org/
OCT 1 - NOV 30 | Berkeley Plantation Corn Maze and Pumpkin Patch Berkeley Plantation offers activities for the entire family. Explore the colorful autumn gardens and grounds, river shore, museum, artifacts, exhibits and tours. Pick a pumpkin and find your way through the plantation’s corn maze, all while learning Berkeley’s amazing history. For more info visit: http://bit.ly/rva-nov30
DECEMBER
DEC 5-8 | The Bizarre Bazaar Our high quality holiday market place will feature more than 500 exhibitors selling holiday decorations and gifts, gourmet food lines, handmade and imported jewelry and accessories, clothing, toys, quality crafts and fine arts, antiques, reproduction and hand painted furniture, books and decorative accessories for the house and garden. For more info visit: http://bit.ly/rva-dec5 DEC 8 | Victorian Christmas at Maymont Delight in the charms of Christmas past and experience a tradition enjoyed by generations of families. Victorian ladies and gentlemen graciously welcome you to the estate and invite you to visit the Dooleys’ mansion. For more info visit: http://bit.ly/rva-dec8 (. . .continued on page 16)
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DEC 1-23 | Garden Fest of Lights A holiday tradition featuring more than half-a-million twinkling lights, hand-crafted botanical decorations, model trains, holiday dinners, firepit with s’mores and hot chocolate (for purchase); nightly family activities & more. The region’s ultimate holiday extravaganza! For more info visit: http://bit.ly/rva-dec23
JANUARY
JAN 1 | Buffet Brunch at Blue Mountain Brewery New Year’s Day Buffet Brunch at Blue Mountain Brewery. 10AM to 2PM. Kick off 2020 with breakfast and beer. We’ll be opening early at 10AM to bring you a full all-you-caneat brunch buffet. For more info visit: http://bit.ly/rva-jan1 JAN 18 | Symphony Pops 3 - Journey Into the Cosmos Experience the sights and sounds of the final frontier on a journey with the Richmond Symphony! Hear music from Holst, John Williams, and many others as the orchestra explores outer space and celebrates NASA’s six-decade journey to connect humanity to the cosmos. For more info visit: http://bit.ly/rva-jan18 JAN 18 | Wine Pairing Dinner Wine Pairing Dinner at The Mark Addy Inn. Enjoy a four course wine 16
paired dinner. We’re taking our dinner guests on a trip around the world, featuring a different region each time! Advance reservations required. For more information visit: http://bit.ly/rva-jan18-wine
FEBRUARY
FEB 9 | Metro Collection 3: Mozart, Britten & Bartók Join us at Randolph-Macon College for intimate, chamber orchestra concerts that allow you to get up close and personal with the musicians of the Richmond Symphony.. For more information please visit: http://bit.ly/rva-feb9 FEB 15 | A Dram of Love Valentine’s Celebration A Dram of Love Valentine’s Celebration at The Virginia Distillery Company. 11AM to 6PM. Our annual Dram of Love celebration is the perfect escape with your favorite whisky lover. Enjoy a whisky tasting or cocktail by the fire, live music and a local food truck. For more info visit: http://bit.ly/rva-feb15 FEB 6 | Rush Hour at Hardywood 3 The Richmond Symphony’s popular Rush Hour concerts return to Hardywood Park Craft Brewery. These one-hour informal concerts feature fantastic orchestral and chamber music in the Hardywood tasting (. . .continued on page 18)
LOCAL EVENTS GUIDE
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room. Grab a beer, hit the food trucks and enjoy a great concert. For more information please visit: http://bit.ly/rva-feb6
taste and budget with items from the most traditional to the most contemporary. For more info visit: http://bit.ly/rva-mar13
MARCH
APRIL
MAR 14 | Appalachian Spring With School of Richmond Ballet Join the Symphony with dancers from The School of Richmond Ballet Ensembles for a newly choreographed work set to the music of Aaron Copland’s timeless Appalachian Spring. For more info visit: http://bit.ly/rva-mar14 MAR 17 | St Patricks Day at Peaks of Otter Winery March 17 Saint Patrick’s Day at Peaks of Otter Winery Visit our winery wearing green and receive an extra discount on wines. We call it the “Luck of the Irish”. Also Visit The National D-Day Memorial, Bedford Museum and Poplar Forest. For more information please visit: http://bit.ly/rva-mar17 MAR 13-15 | Craftsmen’s Classic Art & Craft Festival Features original designs and work from hundreds of talented artists and craftspeople from across America. See the creative process in action as many exhibitors demonstrate throughout the weekend. There is something for every style, 18
APR 11 | Appomattox Oyster Seafood Festival We will have Breweries, Distilleries, Wineries, food vendors and various craft vendors, activities for all ages! Food available from our vendors include BBQ, hot dogs and hamburgers, as well as Virginia Oysters (James River & Northern Neck), Maryland-style crab cakes, shrimp, fish, Po-Boys, and more! Festival favorites, Kettle Corn, Funnel Cakes, Italian Ice and other treats! For more info visit: http://bit.ly/rva-apr11 APR 18-25 | Historic Garden Week Each spring visitors are welcomed to over 250 of Virginia’s most beautiful gardens, homes and historic landmarks during “America’s Largest Open House.” This 8-day statewide event provides visitors a unique opportunity to see unforgettable gardens at the peak of Virginia’s springtime color. For more info visit: http://bit.ly/rva-apr18
MAY
MAY 9-10 | Fort Clifton Festival The Fort Clifton Festival began in (. . .continued on page 20)
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May of 1976 as part of the Bicentennial celebration and has become an annual event, held on Mother’s Day weekend. The festival is family-oriented and educational, portraying the historic significance of the fort and its importance in the Civil War to the Petersburg defense line. For more information please visit: http://bit.ly/rva-may9 MAY 14-24 | Menuhin Competition The Menuhin Competition Richmond 2020 will bring 44 of the best young violinists in the world to perform in Richmond. During the 11-day festival from May 14-24, audiences will experience extraordinary violinists, special guest artists, amazing orchestral performances by Sphinx Virtuosi, your own Richmond Symphony, and many more! For more information please visit: http://bit.ly/rva-may14
JUNE
JUN (TBA) Richmond Bacon Festival Join over 20,000 visitors to one of the most popular events hosted by Enrichmond. Enjoy great food and drinks from many different vendors during the event, and come back year after year to satisfy your bacon cravings. For more information visit: https://enrichmond.org/ 20
JUN 3-14 | Wicked the Musical Forget all that you know about The Wizard of Oz and be transported once again to the magical land of Oz! This time, however, the action takes place way before the arrival of Dorothy and her pooch Toto. Wicked is the story of two magically inclined women, one blonde, and one green of skin - and their coming-of-age as the forces of good and (perceived) ‘wicked’. For more info visit: http://bit.ly/rva-jun3
JULY
JULY 4 | Independance Day 2020 Celebrate the Fourth of July with a bang. Here are some of the favorite Independence Day festivities in and around Richmond for the 4th. Chesterfield County Fourth Celebration, Virginia Museum of History and Culture Independence Celebration, Dogwood Dell, Red-White and Lights @ Dorey Park, Free Fourth @ Lewis Ginter Botanical Garden, Ashland Fourth Celebration and Parade, Rocketts Red Glare @ Rocketts Landing, RVA Fireworks on the James River @ RVA Paddlesports. Please enjoy a wonderful and safe holiday. JUL (TBA) | Taste of Virginia 2020 Celebrating all things VA, Innsbrook Taste of Virginia presented by Capi-
LOCAL EVENTS GUIDE
RICHMOND tal Ale House, will showcase delicious cuisine from local restaurants, each competing for the honorary “Taste of Virginia” title. Arrive with an empty stomach and allow your taste buds to guide you through the delectable selection of dishes, featuring an array of diverse flavors. The festival will also feature Virginia wine and up to 20 different craft beer selections. For more info visit: http://bit.ly/rva-tov
AUGUST
AUG (TBA) | Dragon Boat Festival Rally your coworkers, friends and family, and join us for Richmond’s biggest spectacle on water – dragon boating! Led by the rhythmic beat of a drum, teams of 20 synchronized paddlers, one drummer and one steersperson race 500 meters up the river in 40-foot canoes rigged with decorative Chinese dragon heads and tails. The sport brings
social groups and businesses alike down to the water to bond and compete, building a stronger sense of “team” with every stroke. From vets to newbies, anyone can have a good time – we’ve made sure there’s plenty of time to kick back (or throw down!) between races. For more information please visit: http://bit.ly/rva-dragon AUG (TBA) Richmond Jazz Festival Get ready for one of the biggest events of the year – not to mention one of the largest music festivals on the East Coast! The Richmond Jazz Festival is a powerful celebration of jazz, funk, soul, and R&B set amongst the tranquil beauty of Maymont Park and Gardens.. For more information please visit: http://bit.ly/rva-aug-jazz
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10 Year Countdown
To Retirement
Money See Where You Stand - It’s time to assess how prepared, or unprepared, you are financially for retirement. • Take a quick test: Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you’ll need more saved; after, you’ll need less. • D . o a deeper dive: Plug your current numbers (such as earnings, savings and future pensions) into an online calculator to estimate your retirement income. Experts say you’ll need 75 to 80 percent of preretirement income to live well — debatable but a good starting point. • D . on’t despair: You have 10 years to act, by earning more, trimming expenses or delaying retirement. “Whatever you can do can only help,” says George Papadopoulos, a financial planner in Novi, Mich.
Save the easy way If you’re among the 82 percent of workers paid via direct deposit, save more by splitting your pay across accounts. Have your payroll department put part of each check into an online savings account, where it’s out of sight and out of mind. The direct-deposit users who split their deposits save up to $90 more per month than those who use another method to save, according to a recent study.
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Pad your nest egg If you already have significant savings in a 401(k), 403(b) or IRA, open a Roth IRA (in 2019 you can contribute up to $7,000 if you’re 50 or older), or put money into a regular taxable account. •
Why do it? You’re laying the groundwork for lower taxes later. Say you need a new roof on your house in retirement; If you take money from a 401(k) or traditional IRA, it is taxable as ordinary income, and you may end up in a higher tax bracket, explains Carolyn McClanahan, founder of Life Planning Partners. But you can pull your contributions from a Roth IRA tax free (earnings, too, if you’re at least 59½ and have had the Roth at least five years). You can also invest via a basic taxable brokerage account; when you sell securities, you’ll pay only (usually lower) capital gains taxes on the profits.
Pay down the mortgage The problem with a mortgage in retirement is that you may have to sell investments to cover payments. And sometimes that will be when the markets are down - the worst possible time to sell, says Shelley Giordano, chair of the Funding Longevity Task Force at the American College of Financial Services. Her advice: 1. In place of your monthly payments, make half payments every two weeks. Those 26 payments per year are the equivalent of 13 monthly payments, resulting in a faster payoff and lower total interest costs. 2. Got a tax refund? A bonus? A side job? Apply that to your principal. 3. Avoid refinancing your mortgage, since a new loan with a later payoff date means more of your monthly payment goes to interest expense, not an increase in your home equity. 4. Don’t use a home equity loan or line of credit for purchases. The new tax law makes that less attractive, says Giordano. And this is the wrong time to be growing your mortgage debt. (. . .continued on page 24)
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Put new retirement savings to work Not sure where to invest additional money? Aim for growth, somewhere between a trip to Vegas and stuffing cash into your mattress. The sweet spot •. Balanced mutual funds: Seek a mix of stocks and bonds;
a 50/50 or 60/40 ratio of stocks to bonds is reasonable. • Target-date mutual funds: These balanced funds automatically adjust investments to lower risk as you age.
Conservative but sound • High-grade corporate bond funds • Money market accounts • U.S. government bond funds • Certificates of deposit and online savings accounts (See bankrate.com for Federal Deposit Insurance Corp.–insured banks offering higher rates.)
• Series I inflation-protected savings bonds (sold at treasurydirect.gov)
Work Prepare Your Plan B - Ask yourself these questions, and be honest. 1. Do I work in a stable and growing industry? 2. Do I work for a stable and growing company? 3. Is my heart still in it? Have you answered no to any? It’s time to update your LinkedIn profile and see what else is out there.
• Why do it: Only about half of workers cruise their way to a planned, voluntary retirement; the rest of us exit prematurely, often as a result of job loss or burnout. You still have time to regroup. “With 10 years to go, there is still enough runway to make a mark,” says career and retirement expert Nancy Collamer.
• .How to do it: You know the routine. Tell people who can help you. Sign up for job alerts on the go-to site in your industry. Browse the postings that interest you, and note the skills that employers are seeking.
• .Want to stay put? Get busy anyway. “Whether you drive a bus or work in a store or in a professional occupation, maximize your opportunities by building your capital,” Collamer advises. “Give talks or write articles to boost your profile, or take advantage of short-term training programs.” One option: Go to linkedin. com/learning and get online access to thousands of business, creative and technology courses for $30 per month.
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Miller, Mark and Powell, Robert, AARP (2019, Feb 6). Countdown to Retirement: 10 Years [Web log post]. Retrieved from https://www.aarp.org/retirement/planning-for-retirement/info-2019/10-year-countdown.html
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LUXURY
LIVING IDEAS
Upgrading your home is only limited by your imagination and budget. Is it a luxury bath, fabulous kitchen, incredible master suite or home theatre that you desire?
KITCHEN Your kitchen is probably the heart of your home. This is where memories are made and shared as families love to congregate in the kitchen. The possibilities are endless. White is the most popular color for cabinetry but combining cabinet colors is the latest trend in kitchen design. Blues and greens are also becoming popular. Quartz is the latest for countertops and islands. Commercial-grade appliances, extra sinks and dishwashers all add to the luxury kitchen. Also popular are pizza ovens, appliance garages, warming drawers and under- counter refrigerators for wine and other drinks. If you have space, consider a butler’s pantry which acts like a second kitchen - great for caterers or just an extra space for food prep without disturbing the main kitchen area.
BATH For a luxurious bath, create a spa-worthy retreat. Consider heated floors and towel racks, a steam shower and a large soaking tub. Create a separate water closet for the latest in remote controlled toilets that feature a night light, bidet and self cleaning feature. Turn a great piece of furniture into your double sink vanity for a sophisticated look. And why not have a sofa and television for added ambiance. 26
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MASTER SUITE Add a mini-kitchen which includes a small fridge and coffee bar along with a sitting area so that you can enjoy your wine or coffee first thing in the morning or at the end of the day. Fireplaces are another nice touch for a romantic setting. If your home is equipped with gas, they are an easy addition.
LUXURY
LIVING IDEAS
MOVIE ROOM If you have a spare room, create your own private theatre with a high-definition flat screen tv, surround sound and theatre seating. A popcorn machine and fridge for drinks are nice additions. 27
RECOMMENDED SERVICE DIRECTORY
ART CENTER Cultural Arts Center at Glen Allen......................19 ASSISTED LIVING Spring Arbor of Richmond.....................................11 Spring Arbor of Salisbury.......................................11 ATTORNEY WarrenLaw PC...............................................................1 BOUTIQUE LAUNDRY SERVICES Brook’s Stitch & Fold................................................19 CLEANING SEVICE Five Star Maids...........................................................17 FUNERAL HOME
Woody Funeral Home & Cremation Service...........19 Nelsen Funeral Home & Crematory..........................19
HOME BUILDER RCI Builders............................................................ 5, 21 HOME HEALTHCARE BrighStar Care of Richmond...... 3, Back Inside Cover
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MEMORY CARE Spring Arbor Cottage of Richmond...................11 Spring Arbor Cottage of Salisbury.....................11 MORTGAGES Mike Casasnovas Liberty Mortgage Corp..............Front Inside Cover NON PROFIT ORGANIZATION American Red Cross.................................Back Cover PHYSICAL THERAPY The Center for Physical Therapy and Sports Medicine................................................. 9 RETIREMENT COMMUNITY LifeSpire of Virginia - Lakewood...................... 6-7 TOURISM
Richmond Region Tourism / RVA Champions..........5
This is how you say it’s going to be okay. Every 8 minutes the American Red Cross responds to a disaster and makes this promise. You can help us keep it.
Donate today at redcross.org