A look into the beauty and history of Magalia Community Church

The Building Tells the story

Through all the changes and adversity Paradise and Magalia have endured in recent years, there are still a few spots that have remained the same. This includes the historical Magalia Community Church, standing tall for over 100 years. The church may be old, but even so, it is in fabulous condition and readily provides multiple services every week. Having been built over 100 years ago, the church appears like a time machine, giving a clear glimpse into an era that's long past. From a visual standpoint, it’s absolutely beautiful. The architecture, itself, tells a story all its own.

It is often said that the things which last the longest are those that were the most difficult to start. The Magalia Community Church fits into that category, as its start was far from perfect, but its journey bestowed upon it a rich history and many

stories. It was started by Christian Minister Albert Samuel Parsons, who made the journey from Cherokee, California in 1850 to what's known today as Magalia. In fact, it wasn't until 1957 that the quaint town was even given its name. People often speculate the name was originally “Magnolia” insinuating a simple spelling error was made. At any rate, the name has been nothing but Magalia ever since.

Albert Parsons wanted to make a safe haven for all locals to congregate while enjoying their faith together. Unfortunately, Parsons was unable to finish the project and sold his land to a new owner. With a half-built church that was still needing essentially everything, the new owner, George Mclean, felt it was his duty to pick up where Parsons left off. This entailed moving the church to a more suitable central location for the townspeople, as well as raising funds from a good number of locals. The biggest help came from Annie Bidwell who donated hundreds of dollars to help complete the historic site. Annie also paid for the church’s bell which, to this day, still rings the sound of prayer every morning.

The church was eventually finished in 1904, but would undergo many location changes while operating. It was moved a total of 3 times until finally coming to rest where it stands today—13700 Skyway in Magalia. It wasn't until August of 1982 that the church was deemed a historical site. There have been some add-ons to the small church, such as a dining hall that serves many different functions. The lower sections of the church are also currently being developed into an amphitheater/field.

Whether you practice a religion or not, Magalia Community Church is a great place to visit and witness a slice of history. Also, if you're looking for an outlet, the church is an amazing place to gather one's thoughts. Magalia Community Church is open daily from 11AM-3PM and Sundays from 10AM-12PM. It is closed on Mondays and Fridays. You don't need to be religious to enjoy history! I encourage you to get out and enjoy this awesome historical site.

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The Risk-Reward Quotient

BY RENEE MICHEL, MBA, AND JOE SWEENEY, CFP® , FINANCIAL ADVISORS AT SWEENEY & MICHEL, LLC

What is the definition of risk? As a noun, it means “the state of not being protected from injury, harm, or evil.” As a verb (action) it is “to take a chance on.” In the case of investing, it’s anything that causes a market pullback which you didn’t plan on.

Risk and reward are two sides of the same coin, and in today’s 0% rate environment, you can’t have one without the other. We’ve learned assessing and assigning the correct risk/reward mindset for an investor is instrumental to their financial success. Earning long-term returns requires enduring short-term risks.

For decades, investment websites, 401(k) enrollment forms, and advisors have all helped investors determine their risk tolerance by taking 3 main things into consideration: how many years you have to invest, how much you already have saved, how much you can save every year.

This calculation would work beautifully IF we were not humans. If who you’re investing for is yourself: what, where, and why are still missing from the equation. As humans, our behavior is influenced heavily by emotions and our history with money. We have seen investors of all backgrounds make big investment decisions that go against their own long-term financial plan and goals. Fearmongering and FOMO (fear of missing out) are emotional culprits.

To be a successful investor (setting and meeting your own goals) you must set realistic goals built around a portfolio and plan you can stick to. Choosing an investment strategy is not as easy as checking a box for conservative, growth, or aggressive growth. Each of these terms is defined individually. The risk reward quotient that we recommend has multiple inputs: current age of investor, what you’re saving/investing towards and why, investment experience (recovering emotional investor, family history with money etc.), current financial situation (Net worth, savings rate, debt/income, experience with money), how much you can commit to saving/investing regularly. To make sure your quotient is properly aligned, feel free to schedule an appointment with us today.

Renée Michel, MBA and Joe Sweeney, CFP® | 196 Cohasset Road, Suite 100, Chico CA 95926 (530) 487-1777 | renee@sweeneymichel.com | joe@sweeneymichel.com | www.sweeneymichel.com

This is not tax advice. | Sweeney & Michel, LLC is a Registered Investment Adviser. This brochure is solely for informational purposes. Advisory services are only offered to clients or prospective clients where Sweeney & Michel, LLC and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by Sweeney & Michel, LLC unless a client service agreement is in place.