Edward Jones Advisors: 2022 Financial Strategies

Edward JonEs advisors

2022 Financial Strategies

This is the season to reflect on events of the past year and to plan for the future.

Although December is generally busy with holiday shopping and celebratory preparations, it is an excellent time to review one’s financial situation for the coming year(s).

Edward Jones is a national company with representative offices throughout the county and five offices in the Scotts Valley area.

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Cheryl Rebottaro, who has received the AAMS® and CRPC® designations from the College for Financial Planning®, has been with Edward Jones since 2010. By day, her goal is to help people with their financial needs, including investing, savings for college, life insurance, retirement planning, long-term care insurance, and estate strategy. By night, however, she has been known to entertain the local community singing with local bands.

Cheryl’s goal is to have a comprehensive, holistic multi-generational planning approach helping clients to build, distribute, and pass on their investments. Her business has continued to grow every year but there is room for more clients.

She can do Zoom meetings, telephone conferencing, and even meet in person with the appropriate Covid precautions.

Contact: Cheryl Rebottaro, AAMS, CRPC, 221 Mt Hermon Road, Suite F, Scotts Valley, CA 95066.

Email: cheryl.rebottaro@edwardjones.com or call 831-461-9311. •••

Ivor Thomas has been in Scotts Valley for more than 10 years and with Edward Jones since 2015. He is originally from Lebec, California, and received his B.A. degree at Azusa Pacific University. The most important thing to Ivor is to learn what is most important to his clients; after listening carefully to each client’s unique needs he creates a personalized strategy just for them. He also excels at explaining complicated concepts in an easy -to-understand way. Cheryl Rebottaro

Ivor Thomas

In his spare time, Ivor loves to scuba dive and helps teach scuba classes. He is also a long-distance cyclist and avid reader. He and his wife, Erica, cycled the Lewis and Clark Trail from Portland, Oregon to Iowa and also rode the Pacific Coast Highway from Portland to Santa Cruz.

He has 2 children: a 3-year-old son, Elijah, who also loves to bike and a 3-month-old girl, Lorena, who loves snuggling and keeping Ivor and Erica up at night.

Contact: Ivor Thomas, 5403 Scotts Valley Drive, Suite C, Scotts Valley, CA 95066.

Email: ivor.thomas@edwardjones.com or call 831-438-2168.

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Aaron Brandt grew up in Bakersfield and moved to Santa Cruz in 1993 to attend UC Santa Cruz. He studied computer science and art history while working as a restaurant manager. After 17 years in the service industry, in 2008 he transitioned to Wells Fargo, leaving in 2012 to join Edward Jones.

Aaron says, “My father forced me to begin investing at 16. I didn’t know what it was or want to do it, but I did, and after several years of blindly contributing, I opened my eyes to it and saw the benefits, wanting to learn more. That is part of how I transitioned

Aaron Brant into finance. One of my greatest joys is seeing the look on the faces of my clients’ kids when I show them the power of investing over long periods of time, specifically 40 years.”

He and his family love to get away on long camping trips in the summer, visiting as many national and state parks as they can.

Contact: Aaron Brandt, 6630 Highway 9, Suite 102, Felton, CA 95018.

Email: aaron.brandt@edwardjones.com or call 831-335-8158.

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Zach Brown is originally from western Washington, attended Seattle Pacific University, while his wife-to-be attended University of Washington. Upon graduation they married and moved to Alaska, where Zach taught high school Spanish, ran a painting business with his wife, and they had their children, who are now 19 and 17. After a year back teaching in Washington, he then started with Edward Jones in Hawaii in 2005.

Zach says, “We love guiding clients to feel secure about their financial future so they can live generous and abundant lives!”

Today he loves adventuring via bicycle solo or with friends and family. When their children were younger Zach Brown

they had a Vanagon that they used for camping trips. Now both kids want to have van themselves someday to create great memories.

Contact: Zach Brown, CFP, 5619 Scotts Valley Drive, Suite 120, Scotts Valley, CA 95066.

Email zach.brown@edwardjones.com or call 831-438-2778.

“Edward Jones” page 21

Reality TV

ACROSS

1. “Oh, my!” 5. Say untruth 8. Left or right 12. Spiritual leader 13. *”____ing Up with

Marie Kondo” 14. Great reviews 15. Related 16. Double reed woodwind 17. Fourth deck 18. *”The ____ ____,”

MTV’s trailblazing reality show 20. Affirm with confidence 21. I to Greeks, pl. 22. ____ Baba 23. Powerball and such 26. Swaggering show of courage 30. Spermatozoa counterparts 31. Based on two 34. Has a mortgage 35. ____ dog, gin and grapefruit juice cocktail 37. DNA transmitter 38. *”The Real

Housewives” is full of this type of conflict 39. Write on a tombstone 40. Unwholesome atmosphere 42. Hairpiece, slangily 43. Stitched again 45. Unit of electric current flow 47. Solemn pledge 48. Like nose during hayfever 50. Uncouth one 52. *”Who ____ ____ ____ a Millionaire?” 56. Front of cuirass 57. Sixth month of civil year 58. “Jack and the

Beanstalk” instrument 59. Travesty 60. Italian money 61. *”Vanilla Ice Goes

Amish” and “Cleveland

Hustles” state 62. *”____house

Masters” on Animal

Planet 63. *Not Khloé or

Kourtney 64. Common allergens

DOWN

1. Gelatin substitute 2. Gospel writer 3. “Tosca” song, e.g. 4. Like sunroom, hopefully 5. Balance in the sky 6. *”Pop ____” and

“American ____,” pl. 7. Gave the once-over 8. *”Outwit, Outplay,

Outlast” show 9. Not active 10. Point of entry 11. Sixth sense 13. Foot, to a child 14. Aussie bear 19. Buzz Lightyear’s buddy 22. Brow shape 23. *”The Biggest ____” 24. Egg-shaped 25. Same as talcums 26. Civil rights concern 27. In the know 28. Raise objections 29. Missouri River tributary 32. Like a desert 33. Crime scene evidence 36. *Singing competition (2 words) 38. Curses 40. Feline sound 41. “I think I can, I think I can...”, e.g. 44. “For better or for ____” 46. “Monty ____’s Flying

Circus” 48. r in a circle, pl. 49. Deprive of weapons 50. *Star of wilderness reality shows, ____

Grylls 51. Fairytale beast 52. Street-crossing word 53. Hawaiian island 54. Londoner, e.g. 55. Narrative poem 56. Back of a boat

SIDEWALK HOLIDAY GIFT SHOP Valley Churches United Missions invites you to visit the outdoor Covid-safe holiday shopping experience at 9400 Highway 9, Ben Lomond. Hours are 11 a.m. to 4 p.m. on Saturday, Dec. 4, and Sunday, Dec. 12 and 19.

There is a huge selection of quality Christmas decorations and supplies, new toys, household items, jewelry and much more, all at affordable prices. Proceeds benefit the nonprofit’s year-round food pantry.

GIVING THIS HOLIDAY SEASON With the heart of the holiday season is upon us comes the biggest time of giving of the year.

Santa Cruz County has always been a place that supports local businesses, local nonprofits and local causes. With supply chains in upheaval and the need greater than ever due to the persistent pandemic wreaking havoc, there has never been a better time to give back to the local Santa Cruz County community.

For those looking for ways to connect and make their holiday celebrations more meaningful, the Volunteer Center of Santa Cruz County can help. Each year, the Volunteer Center posts an online Holiday Volunteer Guide, which is available at www. scvolunteercenter.org. For more information see www.scvolunteercenter.org, call 831- 427-5070, or email connect@scvolunteercenter.org.

RED CROSS BLOOD DRIVES The Red Cross Northern California Coastal Region has experienced a 48 percent decrease in new blood donors this year as fewer blood drives took place due to the pandemic.

As the holidays approach and the need for blood increases, you can make a difference. •••

Santa Cruz

December 15: 10 a.m. - 4 p.m. — The Church of Jesus Christ of Latter-day Saints, 220 Elk St.

Scotts Valley

December 3: 9 a.m. - 2 p.m. — Scotts Valley HS, 555 Glenwood Drive

Ben Lomond

December 4: 8:30 a.m. - 1:30 p.m. — Highlands Park Senior Center/San Lorenzo Valley, 8500 Highway 9 ••• Those who come to give Dec. 1-16 will get a $10 Amazon. com Gift Card by email, and be automatically entered for a chance to win a private screening of the new film, The Matrix Resurrections, for 50 people.

SENIOR CENTER WITHOUT LIMITS This new program from Community Bridges brings enrichment activities like yoga, art, music, tai chi, cooking, tech and support groups to seniors age 60 and up in their homes at no cost.

To participate, you need an internet connection and a computer, tablet or smartphone. To participate, view the calendar at https://communitybridges. org/SCWOL/ and find a class. That day and time, click on the link in the calendar to be connected. If you have a problem connecting, call Clara Munoz at (831) 458-3481.

Have a virtual or live event you want to promote? Send your information to info@cyber-times.com by December 20

Bowlers of all skill levels and ages can participate. They get to bowl for free by bringing a can of food for Second Harvest Food Bank of Santa Cruz County to help feed local families. In 2019, Strike out Hunger provided 21,334 meals to local families in need. Participants who make a $100 cash donation to Second Harvest during Strike Out Hunger will receive 25 free bowling passes for use during future visits to the Boardwalk Bowl.

Boardwalk Bowl league players who bring in 3 cans of unexpired food during league play get 3 bowling passes for future use.

“We are very proud to again offer Strike Out Hunger in support of Second Harvest Food Bank of Santa Cruz County,” said Willie King, director of Boardwalk Bowl. “Strike Out Hunger helps feed local families in need while having fun.”

Now in its 14th year, Strike Out Hunger received the Charity of the Year Award from the Bowling Proprietors Associations of Ameirca and is the official charity of the Northern California Bowling Centers. For information, visit https://boardwalkbowl.com/strike-outhunger Some restrictions apply.

STATE PARKS FRIENDS SALE The Friends of Santa Cruz State Parks once-a-year ParkStore Holiday Sale will take place over the first two weekends in December.

The first weekend — Saturday and Sunday, Dec. 4-5 — will be exclusively at the ParkStore Online at https:// thatsmypark.org/collections/.

The second weekend, Dec. 11-12, will be in-person from 10 a.m. to 4 p.m. at the following locations: • Seacliff State Beach, 201 State Park Drive, Aptos • Natural Bridges State Beach, 2531 W. Cliff Drive, Santa Cruz • Santa Cruz Mission State Historic Park, 144 School St., Santa Cruz • Wilder Ranch State Park, 1401 Coast Road, Santa Cruz

Members will receive 30% discounts on select iconic Michael Schwab illustrated apparel, plus maps, nature guides, local history books, and educational toys. Non-members receive 20% off. Proceeds benefit local state parks.

PROPERTY TAX BILL DUE The Santa Cruz County has mailed out property tax bills, and the first due date is approaching.

Your bill can be paid in two installments. The first installment was due on Nov. 1 and becomes delinquent after Dec. 10, and a penalty is charged. The 2nd installment is due Feb. 1 and becomes delinquent after April 10. Penalties will be incurred if not paid before becoming delinquent.

SUPPORT FOR MOTHERS OF SURVIVORS Survivors Healing Center is offering online women’s support groups and mothers of survivors of childhood sexual abuse support group. The goals are to empower through a healing process and prevent sexual abuse of children and youth.

You are not alone. You are not to blame. More information: (831) 423-7601 or www.survivorshealing center.org FELTON LIBRARY ACTIVITIES While the Scotts Valley library branch is closed for renovations, the Felton branch at 6121 Gushee St., Felton, is open.

Hours are: Monday-Thursday 10 a.m.-7 p.m., Friday-Saturday 12-5 p.m. and Sunday 1-5 p.m. For information: call 831-427-7708.

Tai Chi: 1st and 3rd Monday, 10-11 a.m., with teacher Mary Mulligan. Wear clothes you can move easily in. Free.

Knitting: Mondays, 12:30-2 p.m. Dec. 6 and Dec. 13 Bring yarn and knitting needles. All ages welcome.

In-Person Tech Help: Mondays, Dec. 6 and 13, from 2-4 p.m. Tech savvy and bilingual (English/ Spanish) staff can help you troubleshoot your tech issue with a 30 minute (or less) appointment.

Friends of the Scotts Valley Library: Wednesday, Dec. 8, from 6:30-8 p.m. at the Felton Library Community Room.

Board games for adults: Saturday, Dec. 11, noon to 5 p.m. Come play some new or old favorite tabletop games. Bring your favorite or play some of the library’s games. No experience needed.

Bedtime stories: 1st and 3rd Wednesdays, Dec. 15 from 7-7:45 p.m. See Facebook or Youtube for Bedtime Stories presented by SCPL. On alternating weeks, Librarian Jackie will read bedtime stories, sing songs, and chant rhymes. TINY HOMES INPUT County planner Daisy Allen will seek feedback from county residents on tiny homes at three virtual evening meetings via Microsoft Teams. Among the questions: • Are tiny homes appropriate in all areas of Santa

Cruz County? • Where should tiny homes be located on a property? • What development standards should be required for tiny homes? • What kind of permits are appropriate? • What utility hookups should be required?

Tiny homes are defined as homes less than 400 square feet, providing separate, independent living quarters and including areas for cooking, sleeping, and toilet and bathing.

Three virtual meetings will be from 6-7:30 p.m.

To participate via phone: +1 916-318-9542.

Each meeting has a different focus:

Wednesday, Dec. 1: Coastal Urban Area

Online: https://tinyurl.com/tiny-home-urban

Phone Conference ID: 772 527 750#

Tuesday, Dec. 7: Rural Concerns

Online: https://tinyurl.com/tiny-home-rural

Phone Conference ID: 358 258 277#

Thursday, Dec. 9: South County

Online: https://tinyurl.com/tiny-home-sc

Phone Conference ID: 667 185 385#

The regulations will go to a Planning Commission hearing before a hearing by the Board of Supervisors. See: https://www.sccoplanning.com/. For information or to provide input via email, call Daisy Allen, Senior Planner, 831-454-2801, or email daisy.allen@ santacruzcounty.us. PUBLIC LIBRARY CAREER WORKSHOPS The Santa Cruz Public Libraries presents career development workshops for teens and adults through April, thanks to grant funding.

Second Wednesdays: Resume and interview skill workshops at 10 a.m. starting Dec. 8.

Third Wednesdays: Resume and interview skill workshops in Spanish, 10 a.m.

Hours for English/Spanish bilingual career assistance at the downtown Santa Cruz library will begin in January.

These services are funded by two Library Services and Technology Act grants. A $100,000 project called the “Santa Cruz Workforce Collaborative” brings together Monterey Bay Economic Partnership’s Workforce Development Initiative; Cabrillo College’s Career Technical Education; the Workforce Development Board’s Workforce Innovation and Opportunity Act programs; Goodwill Central Coast’s training and employment services; and the nonprofit Your Future is Our Business.

The grant also funds devices and hotspots, transportation to interviews, and MBEP’s Monterey Bay Career Coach Tool for job seekers.

A second grant for $15,000 creates a formal partnership between Santa Cruz Public Libraries and the Workforce Development Board of Santa Cruz County, supporting education and training for library staff and a Resource Fair for job seekers in the spring.

BEAUTIFICATION PROJECTS GET $296 MILLION As part of Gov. Newsom’s Clean California initiative, Caltrans will fund local beautification projects in communities throughout the state with $296 million in competitive grants. Applications for grants up to $5 million began Dec. 1, and Caltrans will announce grant recipients on March 1.

Applicants must be local or regional public agencies, transit agencies, or tribal governments. Nonprofit organizations may be sub-applicants. Half of the overall funds must benefit or be located in underserved communities.

Eligible projects shall include, but not be limited to: Community litter abatement and beautification, litter abatement events and educational programs.

A local match ranging from 0% to 50% of the project costs is required.

Projects will be selected based on need and potential to beautify public space and for greening to provide shade, reduce the urban heat island effect, and use of native drought-tolerant plants, along with public engagement in the project proposal. Information: https://cleancalifornia.dot.ca.gov/local-grants

ONGOING EVENTS

Ongoing Through Sunday December 12 MI CASA ES TU CASA EXHIBIT Pajaro Valley Arts, 37 Sudden St., Watsonville Mi Casa es Tu Casa is Pajaro Valley Arts’ annual exhibit inspired by Día de Los Muertos/Day of the Dead, a traditional holiday in Mexico that remembers community members and family who have passed away.

Altars/Ofrendas are built in homes, churches, schools, cemeteries, and museums that honor and remember the dead.

Tuesdays GRIEF THROUGH THE HOLIDAYS Ongoing thru December 14, phone or online. Hospice of Santa Cruz County offers individual grief support sessions (via phone or Zoom) and a special group, Coping with Grief though the Winter Holidays, meeting virtually via Zoom on Tuesday evenings. Call (831) 430-3000 for more information and to register.