
ORANGE COUNTY CALIFORNIA | VOL. 8










ORANGE COUNTY CALIFORNIA | VOL. 8
Financial security in retirement doesn’t just happen. It takes planning and commitment and, yes, money.
FACTS
✔ Only about half of Americans have calculated how much they need to save for retirement.
✔ The average American spends roughly 20 years in retirement.
Putting money away for retirement is a habit we can all live with.
1. START SAVING, KEEP SAVING, & STICK TO YOUR GOALS!
If you are already saving, whether for retirement or another goal, keep going! You know that saving is a rewarding habit. If you’re not saving, it’s time to get started.
Start small if you have to and try to increase the amount you save each month. The sooner you start saving, the more time your money has to grow. Devise a plan, stick to it, and set goals. Remember, it’s never too early or too late to start saving.
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Retirement is expensive. Experts estimate that you will need 70 to 90 percent of your preretirement income to maintain your standard of living when you stop working. Take charge of your financial future. The key to a secure retirement is to plan ahead.
If your employer offers a retirement savings plan, such as a 401(k) plan, sign up and contribute all you can. Your taxes will be lower, your company may kick in more, and automatic deductions make it easy. Over time, compound interest and tax deferrals make a
big difference in the amount you will accumulate. Find out about your plan. For example, how much would you need to contribute to get the full employer contribution and how long would you need to stay in the plan to get the money.
If your employer has a traditional pension plan, check to see if you are covered by the plan and understand how it works. Ask for an individual benefit statement to see what your benefit is worth. Before you change jobs, find out what will happen to your pension benefit. Learn what benefits you may have from a previous employer. Find out if you will be entitled to benefits from your spouse’s plan.
How you save can be as important as how much you save. Inflation and the type of investments you make play important roles in how much you’ll have saved at retirement. Know how your savings or pension plan is invested. Learn about your plan’s investment options and ask questions. Put your savings in different types of investments. By diversifying this way, you are more likely to reduce risk and improve return. Your investment mix may change over time depending on a number of factors such as your age, goals, and financial circumstances. Financial security and knowledge go hand in hand.
If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
If your employer doesn’t offer a retirement plan, suggest that it start one. There are a number of retirement saving plan options available. Your employer may be able to set up a simplified plan that can help both you and your employer.
You can put up to $6,500 a year into an individual Retirement Account (IRA); you can contribute even more if you are 50 or older. You can also start with much less. IRAs also provide tax advantages. When you open an IRA, you have two options – a traditional IRA or Roth IRA. The tax treatment of your contributions and withdrawals will depend on which option you select. Also, the after-tax value of your withdrawal will depend on
inflation and the type of IRA you choose. IRAs can provide an easy way to save. You can set it up so that an amount is automatically deducted from your checking or savings account and deposited in the IRA.
On average, Social Security retirement benefits replace 40 percent of pre-retirement income for retirement beneficiaries. The amount of your wages that Social Security retirement benefits replace varies depending on your earnings and the age you choose to start receiving benefits. You may be able to estimate your benefit by using the retirement estimator on the Social Security Administration’s website.
While these tips are meant to point you in the right direction, you’ll need more information. Talk to your employer, your bank, your union, or a financial adviser. Ask questions and make sure you understand the answers. Get practical advice and act now.
• 3 ripe bananas mashed
• 2 eggs
• 1 stick butter
• 1 cup unbleached flour
• 1 cup whole wheat flour
• 1/2 cup shelled walnuts chopped
• 3/4 cup Medjool dates chopped and pitted blitzed with 1/4 cup water in a blender ( or 3/4 cup of sugar without water)
• 1 tsp baking soda
• 1/2 tsp salt
• 1 tsp vanilla extract
• Preheat the oven to 350 degrees
• Grease a 9x5x3 bread pan
• Cream butter and date mixture
• Add eggs one at a time, beating well
• Sift flour, baking soda, and salt and add to creamed mixture
• Fold in mashed bananas, vanilla and walnuts
• Pour mixture into the bread pan
• Bake for 50-60 minutes or until the toothpick comes out clean
• Cool for 10 minutes and then put on a rack
SCHEFFLER $3,600,000 * Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
FEB 6 - 9
FEB 13 - 16
FEB 20 - 23
FEB 27 - MAR 2
MAR 6 - 9
WM Phoenix Open TPC Scottsdale (Stadium Course) • Scottsdale, AZ • USA
The Genesis Invitational + The Riviera Country Club • Pacific Palisades, CA • USA
Mexico Open at VidantaWorld VidantaWorld • Vallarta • MEX
Cognizant Classic in The Palm Beaches PGA National Resort (The Champion Course) • Palm Beach Gardens, FL • USA
Arnold Palmer Invitational presented by Mastercard + Arnold Palmer’s Bay Hill Club & Lodge • Orlando, FL • USA
MAR 6 - 9
MAR 13 - 16
MAR 20 - 23
MAR 27 - 30
APR 3 - 6
APR 10 - 13
Puerto Rico Open
Grand Reserve Golf Club • Rio Grande • PUR
THE PLAYERS Championship
TPC Sawgrass (THE PLAYERS Stadium Course) • Ponte Vedra Beach, FL • USA
Valspar Championship Innisbrook Resort (Copperhead Course) • Palm Harbor, FL • USA
Texas Children’s Houston Open Memorial Park Golf Course • Houston, TX • USA STEPHAN JAEGER $1,638,000
Valero Texas Open
TPC San Antonio (Oaks Course) • San Antonio, TX • USA
Masters Tournament
Augusta National Golf Club • Augusta, GA • USA
DATES TOURNAMENT
* Schedule subject to change + Signature Event # Not PGA TOUR Co-sponsored ^ Co-sanctioned with DP World Tour
APR 17 - 20
APR 17 - 20
APR 24 - 27
RBC Heritage + Harbour Town Golf Links • Hilton Head Island, SC • USA
Corales Puntacana Championship
Puntacana Resort & Club (Corales Golf Course) Punta Cana • DOM
Zurich Classic of New Orleans TPC Louisiana • Avondale, LA • USA
MAY 1 - 4 THE CJ CUP Byron Nelson TPC Craig Ranch •McKinney, TX • USA
MAY 8 - 11 Truist Championship + The Philadelphia Cricket Club (Wissahickon Course) • Philadelphia, PA • USA
MAY 8 - 11
MAY 15 - 18
Myrtle Beach Classic Dunes Golf and Beach Club • Myrtle Beach, SC • USA
PGA Championship
Quail Hollow Club • Charlotte, NC • USA
MAY 22 - 25 Charles Schwab Challenge Colonial Country Club • Fort Worth, TX • USA DAVIS RILEY $1,638,000
MAY 29 - JUN 1
JUN 5 - 8
JUN 12 - 15
The Memorial Tournament presented by Workday + Muirfield Village Golf Club • Dublin, OH • USA
RBC Canadian Open TPC Toronto at Osprey Valley (North Course) • Caledon, Ontario • CAN
U.S. Open Oakmont Country Club • Oakmont, PA • USA BRYSON DECHAMBEAU $4,300,000
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
FEB 10
The talented multi-hyphenate Caroline Shaw serves as Artistic Director for the 23rd Annual Laguna Beach Music Festival. The Laguna Beach Music Festival is a multi-day series of classical and contemporary concerts, community engagement programs, and dynamic special events.For more info visit: https://tinyurl.com/2bueyjyk
The annual Dana Point Festival of Whales celebrates the return of the once-endangered California Gray Whale with a leviathan-size event. In addition to whale watching at the height of whale watching season, festival includes a kick-off parade, Sand Sculpting, musical entertainment, Art Shows, Pancake Breakfast, BBQs, Classic Car Exhibits, plus much more! For more info visit: festivalofwhales.com
The Knott’s Boysenberry Festival is our annual food-inspired event that celebrates the park’s historic roots by highlighting the little berry that started it all, the boysenberry. Indulge in a tantalizing lineup of dishes ranging from savory foods with a boysenberry twist to one-of-a-kind specialty desserts and drinks that you can only find at Knott’s Berry Farm during this limited-time food festival. For more info visit: https://tinyurl.com/ycxttjjd
We pride ourselves in offering the best in handcrafted items, and unique treasures in antiques and collectibles. We are one of the largest family-owned craft shows featuring the talents and imagination of over 175 artists, crafters, bakers, and candymakers. For more info visit: sugarplumfestivals.com
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PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
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The Faire takes place in one of the most picturesque villages of California turning it into a real town of the Renaissance era. There are various performances and parades, knight tournaments, Celtic dances and folk music. There is also the participation of circus performers who demonstrate an exciting show of lights, throwing knives, and comedy shows. For more info visit: https://bit.ly/2SZ7NUf
Discover over 35 unique plant and garden vendors, as well as 7 inspiring display gardens designed by top Southern California landscape and horticulture organizations in collaboration with South Coast Plaza home boutiques to create one-of-a-kind outdoor living spaces and a dramatic 24-foot floral centerpiece. For more info visit: https://tinyurl.com/37y7rhru
The La Habra Chamber of Commerce, the host of the La Habra Citrus Fair, is excited to announce we are returning with exciting new rides, a food experience, live entertainment, merchant shopping, and much more. For more info visit: https://tinyurl.com/8ewau7z3
The annualTustin Lobsterfest is taking place this weekend — so if you’ve got an open calendar, treat yourself to this outdoor indulgence jubilee. Featuring live music entertainment ’50s, ’60s and ’70s cover bands. Lobsterfest serves up unlimited whole lobster with pools of melted golden butter on the side! For more info visit: tustinlobsterfest.com
The Garden Grove Strawberry Festival started as a way to bring together the east and west sides
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
of Garden Grove. Garden Grove celebrates with an annual festival including a huge carnival with games and rides, a parade, arts and crafts, and lots of entertainment! For more info visit: strawberryfestival.org
The Tustin Street Fair & Chili Cook Off is held every year in Old Town Tustin. The World’s largest single-day chili cook-off features carnival rides and games, a salsa competition, a family plaza, family friendly contests, beer and wine booths, food booths, craft and vendor booths, entertainment, and music.The Street Fair and Chili Cook off is an exciting community event for the whole family! For more info visit: https://bit.ly/37mIh0c
The Huntington Beach Concours is a fun event where car lovers and enthusiasts can come to enjoy
themselves, while knowing that they are also helping a worthy cause, The Huntington Beach Library Children’s Resource Center. It is rated # 1 in California, please help us keep it that way by attending this year’s event. For more info visit: hbconcours.org
Guests are invited to sip on fine wines and taste a variety of delicacies at the beautiful Laguna Cliffs Marriott Resort & Spa. This is an elegant event for true fine wine lovers, located in one of Orange County’s most beautiful coastal cities! For more info visit: californiawinefestival.com
As one of the nation’s oldest and most highly acclaimed juried fine art shows, the Laguna Beach Festival of Arts has offered a breathtaking showcase for artists and art lovers for 90 years. For more info visit: https://tinyurl.com/2xf5d9a6
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
This romantic evening of rare wine tasting begins with a champagne reception under the stars at Santa Barbara’s charming old-world Carousel House. Extremely limited reserve level wines are matched with gourmet appetizers from top local chefs, artisan cheeses, fresh fruits, olive oils and more while live music keeps things super cool. For more info visit: https://tinyurl.com/4937fx7y
AUG 1 - 17 | COUNTY FAIR
OC Fair & Event Center in Costa Mesa, CA, hosts events, activities, festivals, family fun, music and entertainment of all kinds. With 157,000 square feet of venue space, the fairgrounds is ideal for meetings, parties, corporate events, cultural festivals, trade shows, fundraising runs and concerts. For more info visit: ocfair.com
Inspired by the Orange Street Fair of 1910 it was decided that for their centennial celebration, Orange would have the Orange International Street Fair. The Fair was so successful that it has become an annual tradition. The Fair is located near Plaza Park in the historic downtown district. For more info visit: orangestreetfair.org
SEPT 5 - 7 | LOBSTER FESTIVAL
The Long Beach Original Lobster Festival returns providing Fresh Live Maine Lobster, prepared to mouth-watering perfection in the World’s Largest Cooker. You can dance away the calories to a variety of popular artists throughout the day on the dance floor, enjoy tasty eats in the food court, check out the Arts & Crafts booths, sip on adult beverages, and sing a tune at the Karaoke Lounge. There is something for everyone! For more info visit: originallobsterfestival.com
PLEASE NOTE: WE’RE AWARE THAT THESE UNCERTAIN TIMES ARE LIMITING MANY ASPECTS OF LIFE AS WE ALL PRACTICE SOCIAL AND PHYSICAL DISTANCING. DUE TO THE CURRENT OUTBREAK, MANY EVENTS HAVE EITHER BEEN CANCELLED, RESCHEDULED, OR CHANGED TO VIRTUAL EVENTS. PLEASE VERIFY ALL EVENTS PRIOR TO ATTENDING. THANK YOU.
OCT 16 - 23 | FILM
As the West Coast’s fastest-growing film festival, NBFF offers films from 50 countries across multiple genres. We carefully curated a collection of short film programs. So grab your popcorn and enjoy the show! For more info visit: newportbeachfilmfest.com
22 -
Celebrate the holiday season at Winter Fest with all the family. Glide around the ice rink, enjoy beautiful views from the Giant Wheel and warm up with coffee drinks including blended favorites and the popular WinterFest hot chocolate. Winter Fest provides the ideal location for a fun and exciting day out that everyone will enjoy! For more info visit: winterfestoc.com
DEC TBA | BOAT PARADE
Watch beautifully decorated
yachts, boats, kayaks and canoes sail along the harbor in the 116th Newport Beach Christmas Boat Parade. For more info visit: christmasboatparade.com
Food, fun, and crafts all for a good cause! The Manatee Festival uses the funds raised through its annual festival to benefit friends of Blue Spring State Park, Dare Programs and other area organizations. For more info visit: themanateefestival.com
FEB 20 - 22 | TET
The Tet Festival of Southern California is recognized as the world’s largest Tet Festival outside of Vietnam. Helping preserve culture, visitors are immersed with a vibrant array of traditional foods, live entertainment, festive games, and customs celebrating the new year. For more info visit: sdtet.com
* Schedule subject to change
MAY 25 - SUN 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 26 - MON 12:00 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 26 - MON 8:15 PM 1st Round Ladies’ & Gentlemen’s Single
MAY 27 - TUE 12:00 PM 1st Round Ladies’ & Gentlemen’s Single MAY 27 - TUE 8:15 PM 1st Round Ladies’ & Gentlemen’s Single MAY 28 - WED 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 28 - WED 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 29 - THU 12:00 PM 2nd Round Ladies’ & Gentlemen’s Single
MAY 29 - THU 8:15 PM 2nd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 30 - FRI 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single MAY 31 - SAT 12:00 PM 3rd Round Ladies’ & Gentlemen’s Single
MAY 31 - SAT 8:15 PM 3rd Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 01 - SUN 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 11:00 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 02 - MON 8:15 PM 4th Round Ladies’ & Gentlemen’s Single
JUN 03 - TUE 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 03 - TUE 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 11:00 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 04 - WED 8:15 PM 1/4 Finals Ladies’ or Gentlemen’s Singles
JUN 05 - THU 3:00 PM 1/2 Finals Singles Ladies’
JUN 06 - FRI 2:30 PM 1/2 Final Gentlemen’s Single
JUN 06 - FRI 5:30 PM 1/2 Final Gentlemen’s Single
JUN 07 - SAT 3:00 PM Final Women’s Single
JUN 08 - SUN 3:00 PM Final Gentlemen’s Single
DATE
* Schedule subject to change
JUNE 30 - MON 11:00 AM Men's & Ladies' 1nd Round
JULY 1 - TUE 11:00 AM Men's & Ladies' 1nd Round
JULY 2 - WED 11:00 AM Men's & Ladies' 2nd Round
JULY 3 - THUR 11:00 AM Men's & Ladies' 2nd Round
JULY 4 - FRI 11:00 AM Men's & Ladies' 3rd Round
JULY 5 - SAT 11:00 AM Men's & Ladies' 3rd Round
JULY 6 - SUN 11:00 AM Men's & Ladies' 4th Round
JULY 7 - MON 11:00 AM Men's & Ladies' 4th Round
JULY 8 - TUE 11:00 AM
JULY 9- WED 11:00 AM
JULY 10 - THU 1:00 PM
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Men's Singles Quarterfinals & Ladies’ Singles Quarterfinals
Ladies' Singles Semifinals & Mixed Doubles Final
JULY 11 - FRI 1:00 PM Men's Singles Semifinals
JULY 12 - SAT 2:00 PM
JULY 13 - SUN 2:00 PM
Ladies' Singles Final & Men's Doubles Final
Men's Singles Final & Ladies’ Doubles Final
Iceland is a small Nordic country in Europe known for its dramatic landscape with volcanoes, geysers, hot springs, lava fields and massive glaciers. It is also known for its distinct Nordic culture based on folklore and mythology, dating back to the Vikings who were first to colonize the land. Later, it was
under Danish rule and gained its independence in 1944 and is a founding member of NATO. Despite having its own distinct language and being a country of only 384,000 people, English is spoken widely as it is taught in school as a second language.
The capital city is Reykjavik which is known for its lively nightlife, modern museums, excellent dining, galleries and shopping. It is the base from which to explore all that Iceland has to offer.
The best time to visit is May through October but those are also the busiest times. Iceland is an outdoor enthusiast’s paradise. There are so many adventures to choose from whether it is the natural wonders under the summer’s midnight sun or seeking the aurora borealis in winter months.
Spend a day touring the Golden Circle and see three incredible natural events. Starting in the capital, Reykjavik, drive into the southern uplands to Pingvellir National Park, onto the Geysir geothermal area and then the Gullfoss waterfall and end back in the city.
Pingvellir is a UNESCO world heritage site and the first place settled in south Iceland. See Iceland’s largest lake, the Langjokull glacier, hike the North American plate and see Game of Thrones scenery at Almannagja gorge and then view the amazing Oxarafoss waterfalls. If you are
really adventurous, snorkel at Silfra, one of the world’s top 10 dive sites.
Drive on to the Geysir Geothermal area in the Haukadalur Valley. See the volcanic landscape and arrive at Strokkur which is the geyser that erupts every 6-10 minutes shooting hot water as high as 130 feet into the air. Walking through the valley, view many hot springs, smaller geysers and bubbling mud spots.
The last stop is Gullfoss Waterfall which is famous for its 2 drops, falling 100 feet and view the rainbows that shoot from the spray. Finish the day with a leisurely drive back to Reykjavik allowing time for stops along the way.
The cold waters off the coast attract an abundance of sea life including over 20 species of whales, including dolphins and porpoises. Tours can be found all over the country but the best spot is in the seaside village of Dalvick in the north.
Caving is a popular and extraordinary experience. Because Iceland is one of the most active
and inactive volcanic regions. It has incredible rock formations above and below the earth’s surface. Tube caves inside glaciers form after magma flows underneath the earth’s surface and lava solidifies overhead. Tours operate safely year-round with geologists as guides. Be prepared with proper clothing and footwear as caves are chilly and there is often dripping water. Floors are
rugged, so sturdy boots are necessary. The caves are unexpectedly large and many have staircases and walkways for safe exploration. The most unique is Prihnukargigur (3 Peaks Crater) which takes you across lava fields to the cable car down 400 feet into a volcano that has been extinct for over 4500 years. The crater is the size of 3 basketball courts and as tall as the Statue of Liberty.
- a place like no other!
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CUSTOM SHUTTERS & BLINDS
Custom Wood Shutters & Blinds ................. 16-17
ESTATE LIQUIDATOR
Diamond Estate Servcies ........................................7
FINANCIAL ADVISOR
Jeff W Albert - Edward Jones ..............................7
Rene Costales - Edward Jones 19
FINANCIAL TIPS
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FLOORING
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LOSS ADJUSTER
Crown Adjusting ........................................................ 11
ONLINE CANNABIS STORE
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REAL ESTATE
Wendy Maddocks - EXP Realty 5
TAX TIPS
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TREASURER
County of Orange ....................................Back Cover
WEALTH MANAGEMENT
Wealth Planning by Bob Chitrathorn Front Cover, 3
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