East Tennessee's Mountain Views

East Tennessee's Mountain Views

Contact Us

P.O. Box 432

Vonore, TN 37885

865.856.6463

Don’t Stress the Number!

Monday, May 4th, 2020 | Uncategorized | No Comments

The average female shopper has several sizes hanging in her closet… so why are you a size 6 in some brands and a size 10 in others??

Alfredo Cabrera, author of 101 Things I Learned in Fashion School, explains.  “Most companies start with a size 8 production pattern, which sometimes gets shifted larger or smaller.  A high-fashion 8 isn’t typically as large as a mass-market brand’s size 8.”

Even in Europe, where measurements are standardized by law, there can be some variation because a designer may decide to slide a garment’s waistline above or below a woman’s natural waistline.

Our experience has been that European lines, as a rule, are approximately 1-2 sizes smaller than your average fit.  This is where an experienced sales clerk can be very beneficial as you shop, many times suggesting that you begin trying on certain lines a size or even two above what you normally wear.  

Don’t limit yourself to a certain size… be open to some variation… basing your decisions on style, designer, and your individual sales associate’s advice.  Remember… we have seen the styles tried on, trying many on ourselves to better advise our customers of the fit.

We are here to advise you on the size and fit of your selections; however, for men who are purchasing a gift for Mother’s Day, may we suggest a beautifully designed, boxed and gift wrapped gift certificate!  Always a perfect gift!

The very best way to ensure a good fit is to try on several sizes.  Remember to trust your personal sales associate and the mirror instead of the digit on the label!

Happy Mother’s Day and Happy Shopping!

The Lily Pad Boutique
209 N. Main Street
Sweetwater, TN 37874
423-337-5537
www.lilypadboutiqueonline.com

Rediscover a Smoky Mountain Spring at Iron Works Grille on the River

Monday, May 4th, 2020 | Uncategorized | No Comments

The Ultimate in Social Distancing

Adjacent to a historical site located less than 100 yards from the restaurant, the Tellico Iron Company, which manufactured munitions for the Confederate Army during the Civil War, was also an important center of Cherokee culture. Rich in history and natural beauty, Iron Works Grille on the River, located on more than 300 feet of shoreline on the Tellico River in nearby Tellico Plains, is a very special place to experience the magic of a Smoky Mountain spring. From the picturesque mist shrouded Smoky Mountains to the rapids of the Tellico River and Bald River Falls, Iron Works Grille guests are treated to both the best nature has to offer and a great dining experience.

Iron Works Grille on the River is open Thursday through Sunday from 11 am to 9 pm. Iron Works Grille on the River offers you the ultimate in both dining and safety. Fully compliant with current Monroe County Health Department guidelines for restaurants, Iron Works Grille on the River was designed with social distancing in mind. In addition to a spacious indoor dining room with tons of space between guests, the restaurant also features covered and open outdoor dining spaces where guests can dine and enjoy their favorite beverages.

“We invite you to savor our gourmet burgers, sandwiches, and salads while enjoying our more than 300 feet of pristine and serene Tellico River shoreline,” said Mary Spencer, Iron Works Grille co-owner. “Also, be sure to ask about our now-famous and original bacon wrapped Wickles Pickles and homemade pork rinds, which are available in different flavors with our very own homemade ranch-style dressing or mild sauce. You’ll also want sample our extensive selection of on-tap craft beers and wines. We are also very proud to be the recipient of the Taste of Monroe’s ‘Best Overall Restaurant’ Award in Monroe County for 2019.”

During your visit, be sure to check out their gift shop, which features local crafts and Iron Works Grille tees to help you remember your incredible day of relaxation on the river.

Why not plan a day’s long visit to Iron Works Grille on The River in Tellico Plains? Enjoy the very best of nature, the area’s rich history, and an extra large portion of their very best Southern hospitality. Discover “The Rhythm of the Smokies,” the rapids on the Tellico River, historical Tellico Plains, award-winning food, great companionship, and the ultimate in social distancing.

Iron Works Grille on The River
1641 Cherohala Skyway
Tellico Plains, TN 37385
423-253-2373
www.ironworkstellico.com

30% Off Just in Time for Mother’s Day Sale

Monday, May 4th, 2020 | Uncategorized | No Comments

Take advantage of savings of 30% off on everything at Cones Cupboard Antiques, located at West End Antique Mall, Booth 5, on Friday through Sunday, May 8th through the 10th. That’s our way of helping you celebrate the lifting of Tennessee’s “Stay Safe, Stay Home” order. We encourage all of our loyal customers to continue to exercise safe distancing measures but to get out and enjoy this incredible Tennessee spring weather and some great savings on hand-selected antiques. 

Cones Cupboard Antiques’ owner, Peggy Cones, frequently travels throughout the South and Northeast in search of unique antiques, vintage items, and a wide selection of gifts. Cones Cupboard Antiques offers discriminating shoppers the opportunity to shop for exciting new items that would make wonderful additions to your home or a treasured gift for a close friend or mom this Mother’s Day.  Unlike gifts from one of the “big box” stores, many of the items offered by Cones Cupboard Antiques are unique, one-of-a-kind items that have been cherished by families for generations and that are destined to become part of your family’s future for many generations to come as well.

In addition to their intrinsic value, antiques will take on an even greater value in the future as your family, and generations to come, share your time honored treasure. No matter what the gift giving occasion, why not select a gift from the past that will create its own history in the future as it is shared with family members and future generations?

Even if your immediate interest is not antiques, why not discover the perfect gift from Cones Cupboard Antiques’ large selection of alternative vintage and gifts items, including hand-crafted candles, glassware, china, silver, collectibles, and more? And yes, we have brought back our popular garden flags and Sassafras door mats and inserts just in time for spring.

With Mother’s Day, May 10th, just a couple of days away, a visit to West End Antique Mall may help you discover that just-so-perfect gift for mom that will be remembered for many years to come.

Cones Cupboard Antiques at West End Antique Mall
7200 Kingston Pike
Knoxville, TN 37919
www.ConesCupboardAntiques.com

Aqua Clear Water Systems

Monday, May 4th, 2020 | Uncategorized | No Comments

Delivering Pure, Safe, Life-Changing Water to American Families for 15 Years

What first started as a dream 15 years ago developed into an American success story. Young entrepreneurs and husband and wife team, David and Krista Brewster, launched their fledgling water treatment business from his father’s garage in 2005. David was no newcomer to the water treatment industry. Having worked for 10 years in Alabama selling home water purification and water softening systems, David and Krista decided to take that giant leap of faith and to launch Aqua Clear Water Systems.

Their new business undertaking required a relocation from Alabama to East Tennessee. They filled David’s father’s garage with bottle-less water coolers and started knocking on doors. Today Aqua Clear Water Systems employs more than 40 associates, serving more than 8,000 satisfied residential and commercial clients throughout East Tennessee. Aqua Clear Water Systems is also proud to be the exclusive East Tennessee distributor for the nation’s premier manufacturer of advanced water treatment systems available anywhere: Award-winning Kinetico Water Systems.

Today a second generation of Brewsters, son Jonathan, has joined his parents in their commitment to provide other families and businesses like theirs with the purest and safest water available anywhere. 

In this issue of Mountain Views, we are excited to feature the Brewsters and their superb team of water treatment specialists at Aqua Clear Water Systems. 

MV: Apart from appearance, there is nothing generic about the water we all consume and wash with. Explain.

David: Water is a universal solvent because more substances dissolve in water than in any other chemical. Most of the water we receive from our water utilities comes from the Tennessee River and then goes through a series of filtration methods. The first step typically involves chemicals with a positive charge being added to the water, where particles in the water bind with these chemicals. The next step is sedimentation, where these now larger particles settle to the bottom of the water supply. In the filtration phase, the clear water on top will pass through filters (sand, gravel, and charcoal) in order to remove dissolved particles, such as dust, parasites, bacteria, viruses, and chemicals. Once the water has been filtered, a disinfectant (chlorine, chloramine) may be added in order to kill any remaining parasites, bacteria, viruses, and to protect the water from germs when it is piped to you.  The byproducts from the disinfectant phase are what can be harmful to your health, and the filtration methods used by water utilities can’t remove everything harmful. Plus, even if they could, the pipes coming to your home can leach contaminants into your water. 

MV: There’s a significant difference between the water standards established by local water boards and the quality of water that Aqua Clear Water Systems delivers to East Tennessee home and business owners. Why should this be so important to all of us?

Krista: Think for a second about how often you use water in your home. You take showers, wash clothes, clean dishes, prepare meals, and drink water all day every day.  What if you made one simple change where the water you used was now free of chemicals and other impurities, including dissolved rock? Foods would taste better. Drinks, coffee, and tea would taste better. Towels would feel softer. Clothes would be cleaner. Dishes would be spot-free. Your hair would be softer. Ice cubes would be clearer. Your skin would feel softer. You would experience less itchy skin. Your home’s water pipes would stay clearer. Water heaters would last longer. No more lugging bottled water, and no more plastic bottle waste. No white deposits on faucets or soap scum on glass shower doors. And hopefully you drink more water because it tastes better and it’s healthier! All you have to do is continue doing what you already do, and the benefits keep compounding 24 hours a day, seven days a week. 

The local water utilities do a great job, but they can’t provide this level of quality of water to every home. And even if they could, it would be extremely expensive, plus the pipes coming to your home could reintroduce many of the same impurities they had already removed. Government standards shouldn’t be your standards. And consider this: The legal limits for contaminants in tap water have not been updated in almost 20 years.   

MV: As a result of the COVID-19 pandemic, we have all witnessed firsthand stores that were totally depleted of bottled drinking water. What message do you have for home and business owners that might be looking for an alternative to bottled water and the savings and convenience that are available as well?

Jonathan: A gallon of bottled water is 2,000x more expensive than a gallon of tap water. Let’s do a quick calculation to see how much bottled water is costing us. A case of 24 (16.9 oz) bottles of water is $5.00. That would make each ounce of water cost $0.01. A man should drink around 100 ounces of water per day, so we multiply $0.01 x 100 ounces = $1.00 per day. $1.00 x 365 days a year = $365.00 spent on bottled water per adult each year. A family of four would spend around $1,460 dollars a year. You also contribute to the plastic waste, ingest the microplastics in most bottled water, and continue to buy bottles year after year. Or you could invest in a drinking water system that provides your home with ultra-pure drinking water at your kitchen sink. Eliminating the bottled water cost, plastic waste, microplastic consumption, and the inconvenience of storing and lugging around single-use plastic bottles. 

MV: Address the issue of plastic bottles that end up in landfills, in our lakes and streams, and on the side of roads.

Jonathan: Bottled water is extremely wasteful. A few statistics for your readers:

1. Only one out of five plastic bottles is recycled. The rest just becomes litter or landfill. 

2. 90% of the cost of bottled water is due to the packaging, not the water quality. 

3. Plastic water bottles are petroleum based. In the U.S. alone, it takes 15 million barrels of oil annually to meet the demands, enough to fuel 100,000 cars for a year. 

4. It takes one PET plastic bottle 700 years to start decomposing. 

5. In the U.S., more than 60 million plastic water bottles are thrown away each year. 

Not only is it extremely wasteful, but it’s also extremely expensive. 

MV: The state-of-the-art water treatment system used for drinking water filtration uses Reverse Osmosis technology. Explain this technology to our readers.

David: Reverse osmosis filtration (RO) is one of the most popular and effective methods to create high-quality drinking water in your home. Look at the label on your bottled water, and it will typically say “filtered by reverse osmosis.” Having one of these in your home is like having a bottled water factory at your kitchen sink. The technology works by using the water pressure to force the water through a semi permeable membrane that allows certain substances to pass through but not others. The impurities are bigger than the holes the water is being forced through. Furthermore, the membrane catches the impurities and then the filter cleans itself and sends those contaminants down the drain. 

Some FAQ I would like to address:

» Does reverse osmosis water remove healthy minerals?

Yes, reverse osmosis filtration removes everything. We always tell clients we remove everything, and you have the power to add back whatever you want. From our perspective, you should get all those healthy minerals from your food or supplementation, not your water. And for clients who want these healthy minerals, we offer remineralization filters. 

» Does reverse osmosis filtration remove bacteria or viruses?

Some bacteria and viruses can be removed by reverse osmosis filtration. Most RO systems are not CERTIFIED to remove these contaminants, but our Kinetico® K5 Drinking Water Station has a special bacteria/virus filter that is CERTIFIED to remove any harmful bacteria or viruses that can get into your water.  

MV: I have a Kinetico Reverse Osmosis drinking water system in my home. Until I tasted water from this system, I was unaware that pure water is tasteless and odorless. What was it that I was tasting and smelling?

Krista: That’s a great way to explain it. We always tell people our water tastes like nothing, and that is the way it is supposed to be. Since you are on city water (you pay a water bill), the smell and taste come from the chlorine, chloramines, and dissolved solids that were in your water. Most people on city water can smell the chlorine when they turn on their faucet, and it’s often the reason they buy bottled water or use pitcher/refrigerator filters. 

MV: Are any of the things I was tasting or smelling potentially harmful?

David: Here is a list of contaminants that were tested by the EPA in a local water utility from January 2019 – March 2019: Bromodichloromethane, Bromoform, Chloroform, Chromium (hexavalent), Dibromochloromethane, Haloactetic acids (HAA5), Nitrate, Total Trihalomethanes (TTHMs), 1,4-Dioxane, 4-Androstene-3, 17-dione, Aluminum, Barium, Chlorate, Fluoride, Strontium, Testosterone, and Vanadium. Many of these contaminants have been studied to show adverse health effects. We believe that upgrading your water to remove these contaminants can be a huge benefit to your health and the health of your home. 

MV: What other water treatment systems do you provide for residential and commercial use?

David: The short answer is we carry systems for every type of water treatment project. Whatever you want to improve or remove, we can design a system for it. The long answer is we carry whole house water filters, water softeners, reverse osmosis systems, UV light systems, backwashing filters, sulfur systems, iron systems, methane removal systems, radon removal systems, chemical injection systems, leak detection systems, etc. Whatever project you have in mind, just give us a call, and we can help design it for you. 

MV: Tell our readers about Kinetico Water Systems, their innovations, and the awards they have received.

Krista: The great thing about our company is that we carry many different manufactures of water treatment products. We are not required to only sell Kinetico® products, so we represent many different manufactures. Kinetico® is our flagship brand, and it is the only non-electric system on the market. They use kinetic energy (hint the name Kinetico) from your water pressure to turn the gears and make the system work. They are a consumer digest Best Buy and have won awards from Consumer Reports magazine. Kinetico® has been around since 1970, in the East Tennessee area since 1980, and what’s even better, we can still get parts on systems that are 30+ years old. We actually just removed a Kinetico® water softener that was 33 years old, and it was still working! One of our Kinetico® water softeners is the World’s Most Efficient Water Softener, and most clients that have it don’t have to add salt for close to a year. 

MV: How can our readers learn more about Aqua Clear Water Systems and Kinetico? Do you provide in-home, no-cost, and no-obligation consultations and testing? Do you offer financing?

David: The best way to learn about us is check out our website at www.aquaclearws.com, and I encourage your readers to read our 700+ 5-star reviews on Google, Nextdoor, Home Advisor, Angie’s List, and Birdeye. We are so very grateful that homeowners just like you have taken the time to leave reviews about your experiences. Our process begins with filling out a form on our website or calling/texting us at 865-986-4234 to set up a free design consultation. Then we find a time Monday-Saturday between 8 am and 8 pm where we can meet with both homeowners to find out their specific needs, do a site survey of the plumbing, test the water, and then educate the homeowners on what we find and how we can help. This process typically takes 60-90 minutes depending on how many questions the homeowner has, and we provide an in-home quote that is good for 90 days. All of this is free to the homeowner, a $150 value if you were to get these water tests done at a private lab. We also offer 0% interest for 60 months, 24 months, or 12 months depending on what fits your budget. 

MV: During this time of uncertainty, what COVID-19 protocols have you put into place to protect your customers and your associates?

Krista: Our company has remained open during COVID-19 because the CDC has classified Aqua Clear Water Systems as an essential business, and our clients depend on us to provide them clean and safe drinking water. We follow the CDC recommended guidelines, including shoe coverings, N-95 masks, latex gloves, medical grade hand sanitizer, sanitize iPad and vehicles, temperatures taken of team members daily, virtual consultations, curbside delivery, and social distancing during appointments. The safety of our clients and team members is our #1 priority. 

MV: I know that Aqua Clear Water Systems prides itself on being a family owned company that is in the business of serving other families like yours. Describe your commitment to your extended East Tennessee family.

Jonathan: We view everyone that we do business with as a trusted client and not merely a customer that we may only do business with a single time. Our goal is to establish a long-term relationship with you based on trust. And we work to earn your trust each and every day. 

We view ourselves as your trusted advisor for everything relating to water treatment. We have been here the last 15 years, and we plan on being here for many more years to come. That is why we invest so much of our resources in the client’s experience. Anyone can sell you a water treatment system, but few can provide you with our superior level of service. That is why my dad started this company – because he knew there was a better way to serve our clients. I remember Tom Irmen (co-owner of this publication) telling me at a young age, “Jonathan, it’s not that your dad does anything special. He just does what he says he is going to do.” I didn’t understand the importance of that comment at that time, but the older I get, the more I realize that it truly is that simple. 

MV: In closing, is there anything you would like to add?

Krista: We believe that upgrading your water is the easiest way to protect your two biggest investments: YOU and your home. Our tagline is “We will change your water, it will change your life,” and we truly believe that. Not only from our personal experiences, but also from the stories 8,000+ clients have shared  with us. It cost you $0 to learn how we can help you improve your most precious resource: Water. Whether you’re on well water or city water, we have the knowledge, people, products, and experience to help you live a healthier life through better water. We hope to talk with you soon and welcome you into the Aqua Clear family.  

Aqua Clear Water Systems
1767 Kevin Lane
Lenoir City, TN 37772
865-225-6555
www.aquaclearws.com

Searching for That Silver Lining

Monday, May 4th, 2020 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

These uncertain times are particularly heightened for today’s retirees.  Not only does the pandemic have a disproportionate impact on those 65 and older, but retirees’ financial strategies have to withstand market volatility while continuing to provide income.  As most financial decisions have potential tax consequences, our clients appreciate the fact that we are not only Certified Financial Planners, but Certified Public Accountants as well.  Here are some opportunities hidden within these turbulent times:

» This is a fabulous time to do a Roth conversion.  Why? You can convert a bigger percentage of your traditional IRA balance at tax rates starting at only 8%. These lower tax rates are set to expire in 2025. Let’s say your goal was to convert $100,000 of your $500,000 IRA, or 20% for each of the next five years, and you’re willing to pay the tax on that $100,000 conversion.  After the market correction, let’s say your account is now worth $425,000, and the $100,000 conversion now allows you to move 24% of your IRA into a Roth IRA, all while paying the same amount of tax.  Then, when the markets recover, the growth on your converted IRA dollars will be happening within the tax-free Roth IRA.  So you move out of the traditional IRA while the markets are down and let those dollars grow again in the tax-free Roth.  A winning strategy!

» If you’re retired and subject to the Required Minimum Distribution rules, take advantage of the provisions under the new CARES Act that allow you to suspend your RMDs for 2020. This helps (1) by not requiring you to sell and withdraw assets on a market downcycle and (2) by keeping those taxable RMDs out of your 2020 reportable income.  This provision applies to all types of IRAs, employer 401(k) and 403b plans, and inherited IRAs.  And if you’ve already withdrawn your RMDs and want to put the money back, you can, under the 60 day rollover window rules.  Write a check to your custodian for the gross RMDs you’ve received in the last 60 days and you can reset the clock.  Remember though, there is only one 60 day rollover allowed per 12 month period.  

» Once the daily volatility in the markets slow down and the economic fallout has been adequately quantified, it’s time to take a look at rebalancing your investment accounts.  Your stock allocation has probably drifted below your risk tolerance, and it will be time to sell some of your bond allocation and replenish the stock side of your account.  Regular rebalancing forces us to follow the rules of Buy Low, Sell High.  Our emotions want us to do the opposite – but emotional investing strategies are not winning strategies.  Stay the course and rebalance at least once a year.  Whether it’s a new set of golf clubs, a nice outfit, or a mutual fund, we all love a good sale. 

I understand the apprehension that results from uncertainty. As the daughter of retirees, I appreciate what so many of you are experiencing right now. I also share your concerns for the future, and our team is available to help you navigate these uncertain times. Visit our website at www.marshwealth.com, where the “Contact Us” page has multiple ways for us to communicate.  We’ll help you find your silver lining.

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisors
504 Ebenezer Road
Knoxville, TN 37923
865-622-2162
www.marshwealth.com 

Financial Planning & Investment Advisory Services are offered through Marsh Wealth Management, LLC (“MWM”), an independent investment advisor registered with the state of Tennessee. Yvonne Marsh is an Investment Advisor Representative of MWM in the state of Tennessee. Marsh Professional Group, LLC is a TN registered public accounting firm and a separate legal entity from MWM. For a detailed discussion of MWM and their investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov.

Preventing Falls in the Elderly

Wednesday, April 1st, 2020 | Uncategorized | No Comments

We’ve all seen the commercial with the elderly person who’s fallen and they can’t get up. But that doesn’t have to be you or your loved one, because despite what you see on television, falls are not actually a normal part of aging and can be prevented.

According to the CDC, one-third of American seniors fall every year, resulting in more than 2.3 ER visits annually. Don’t become part of that statistic! By following these tips for preventing falls, seniors can lead very active, independent lifestyles free from the dangers of falling.

First, however, let’s look at the potential causes of falling in the elderly. For many, it may be chronic conditions, lack of exercise, medication side effects, or vision issues. So how do you combat these causes?

» Get regular vision and hearing checkups.

» Attend exercise classes, especially classes like Yoga and Tai Chi that focus on balance. At Parkview Senior Living communities, we offer a variety of exercise classes designed specifically for the physical needs of seniors.

» Talk to your physician about your medications and potential side effects.

» Modify your surroundings to make it safer by installing handrails in bathrooms and showers, and remove rugs that can easily cause one to trip. Here at Parkview, our apartment homes come equipped with handrails and pull stations, and seniors can be equipped with fall alert pendants

Here are some common myths about senior falls that we think require some debunking: 

» I don’t need yearly vision checks – Aging and vision loss tend to go hand-in-hand, and with that loss comes an increased risk of falling and injury.

» If I limit my physical activity, I can avoid falling – Limiting activity limits strength and range of motion. Increasing physical activity will help an elderly adult stay active and independent.

» Taking medication doesn’t increase my risk of falling – Medications affect people in many different ways, so it’s important to understand ALL side effects and/or potential interactions of your medications.

» Use of a cane or walker makes me more dependent – Walking aids actually can help many older adults improve their independence and mobility.

We invite you to tour one of Parkview Senior Living’s communities and understand that safety and independence can live comfortably hand-in-hand in a welcoming, elegant, and vibrant environment.

Parkview Senior Living

770 Broome Road
Knoxville, TN 37909
865-357-2288

1413 W. Broadway
Maryville, TN 37801
865-980-8810

Coming soon!
Emory Road & Tullahoma, TN

www.ParkviewSeniorLivingTN.com

Does Your Investment Strategy Have a Sleep-at-Night Factor?

Wednesday, April 1st, 2020 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

Wow, a month ago we had barely heard the word “coronavirus,” and now we are feeling its effects in the financial markets.  We all know the wisdom of riding out these corrections by staying in the market, rebalancing and waiting for the markets to recover, which they always do. In recent history, there was the tech bubble in 2000 and the great recession in 2008, both of which rewarded investors who stayed in the markets.  But in the midst of living through a correction, that is easier said than done emotionally. Especially for retirees who are counting on their assets for income – they’ve got to last. 

Because we specialize in retirement investment strategies for people age 60 and up, we are laser-focused on helping our clients buy the emotional time needed to stay in the markets and wait for the inevitable recovery. We call it the sleep-at-night factor, and we do it in two ways.  

First, we use an investment bucketing strategy, segmenting assets into three time horizons: Now, Soon, and Later.  

» The Now Bucket holds safe bank accounts used for emergency funds and planned expenses in the near term.  

» The Soon Bucket holds conservative investments used for Phase 1 of a retiree’s income needs, including IRA Required Minimum Distribution requirements.

» The Later Bucket holds more growth-oriented investments used for Phase 2 future income needs.  These assets can have more volatility because they aren’t needed anytime soon for income.

The most critical step is quantifying and establishing Soon Bucket assets.  This is where most do-it-yourselfer’s and most non-retirement advisors miss it.  To be ready for the inevitable years of correction, you need a conservative buffer, giving you the confidence to stay invested.  Otherwise, if your entire IRA is invested as a Later Bucket asset while withdrawing RMDs, your account is going to fare worse, and take longer to recover, than if it was segmented and invested in two pieces – conservative and growth.

Second, we make sure our clients have enough guaranteed income sources that they can weather a market downturn.  This can be a combination of Social Security, employer pensions, and/or lifetime income annuities.  By calculating an Income Stability Ratio, we help clients identify what percentage of income they want guaranteed, regardless of future market conditions.

If you’re stressed out during these turbulent market times, join us at our next small group discussion to learn some simple strategies to increase the quality of your sleep! Space is limited, so call today.   

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisors
504 Ebenezer Road
Knoxville, TN 37923
865-622-2162
www.marshwealth.com 

Financial Planning & Investment Advisory Services are offered through Marsh Wealth Management, LLC (“MWM”), an independent investment advisor registered with the state of Tennessee. Yvonne Marsh is an Investment Advisor Representative of MWM in the state of Tennessee. Marsh Professional Group, LLC is a TN registered public accounting firm and a separate legal entity from MWM. For a detailed discussion of MWM and their investment advisory fees, see the firm’s Form ADV on file with the SEC at www.adviserinfo.sec.gov.

Don’t Miss the Sounds of Your Life

Wednesday, April 1st, 2020 | Uncategorized | No Comments

Tellico Hearing Solutions was created to help you discover if a hearing device may help you hear better.We use the latest technology that allows us to perform complete testing in your home without a sound booth.  We will provide you with a complete audiometric testing of your current hearing and, if appropriate for you, we will fit you with the best device for YOUR hearing situation and budget. We can also provide assistive listening devices for use with your TV, phone, or audio equipment.

More and more studies are confirming that impaired memory, balance issues, anddementia may be linked to untreated hearing loss. These studies further suggest that hearing aid use may reduce the onset, or even reverse, some of these disorders. All studies have been done with properly selected, professionally fit and programmed aids, with clients carefully guided through acclimation to amplification via consultation and reprogramming – all by a trained professional. Robert Ferraro, Tellico Hearing Solutions owner, is a state certified Hearing Instrument Specialist.

If your current older hearing aids are making everything too noisy, we’ll show you how modern hearing aids will improve the quality of your life. Maybe it’s time to upgrade?  Modern hearing aids are more energy efficient and have rechargeable batteries.  Many modern hearing aids come with Bluetooth capabilities. Obsolete analog devices don’t have that awesome feature. Having Bluetooth built into your digital hearing aid means it’s compatible with your smartphone, your computer, and maybe even your newer television.

Let us help you stay in touch with the world around you. Don’t miss the sounds of your life! If you or a loved one have been experiencing hearing loss or other difficulties in understanding speech, a free hearing test is a good idea. We offer affordable hearing aid solutions that utilize the most advanced hearing aid technology available. Call or email us today for your free hearing test!

We are located in Vonore, Tennessee, serving Monroe, Loudon, and Blount counties – Vonore, Loudon, Madisonville, Sweetwater, Lenoir City, Maryville, and neighboring towns. We are available evenings and weekends, too!

Tellico Hearing Solutions
Robert Ferraro, H.I.S.
865-635-1887
www.tellicohearingsolutions.com
contact@tellicohearingsolutions.com

Deep Cleaning and Fogging for Health… and Peace of Mind

Wednesday, April 1st, 2020 | Uncategorized | No Comments

Normally during this time of year, we at Surface Doc are patiently waiting for the rain to stop so we can get busy spring cleaning.  In addition to this year’s excessive rainfall, we are also facing a new, unwanted containment… the human coronavirus. Following all expert advice, prevention begins in the home. Washing hands, face, and contact surfaces greatly reduces the risk of contracting the coronavirus.   

You probably know that our specialty is deep cleaning and sanitation services for your carpets and hard surfaces for both home and office. We love to clean, and eliminating germs is one of the reasons we are the best in the business. So, in lieu of the coronavirus epidemic, we want to do our best to help you, the homeowner, however we can. Our fogging technique virtually eliminates germs from colds, flu, staph, MRSA, and the human coronavirus.  “Whole room disinfection enables difficult-to-reach places to be thoroughly disinfected,” explained Dr. Karen Middleton of Campden BRI.

For a limited time, Surface Doc will offer a fogging sanitation service for all contact surfaces for both commercial and residential owners. Surface Doc has adopted the same methods being used by every major airline and government run transportation service for combating against the coronavirus. Using a fogger and an aggressive FDA recognized quaternary disinfectant, Surface Doc will fog all contact surfaces in your home, business, or vehicle.  If you are looking for peace of mind, this service is a great start.  Let us help get your home or business essentially germ free, thus giving you the best chance of staying healthy.  

For more information, please visit our website at www.surfacedoc.com to learn about all our services. We also have provided links to official sites containing the most up-to-date information on the human coronavirus.

If you are like me and your spring cleaning “to do” list has you more stressed out than the coronavirus, we are ready to help. We do it all, inside and out! Concrete and paver driveways, walkways, wood decks, stone patios, tile kitchens, bathrooms, showers, stone countertops, not to mention soft-washing roofs and sidings are all areas we specialize in.  The sun is out, the rain has gone, it’s time to live again.  Life is better lived clean.

Surface Doc
865-567-1986
www.surfacedoc.com

Water to Thrive – Build Wells, Change Lives

Wednesday, April 1st, 2020 | Uncategorized | No Comments

Providing Life-Giving Water to Africa from East Tennessee

Founded in 2008, Water to Thrive is a faith-based non-profit headquartered in Austin, Texas, that is dedicated to spreading awareness of the global water crisis while raising the funds needed to construct water wells for those who desperately need them in rural Africa.  They work with communities in need that take ownership of their wells.  

Lack of access to safe drinking water is the cause of 80% of diseases in rural Ethiopia alone.  The objective is to ensure at least 15 liters per person per day of clean water for drinking, cooking, and personal hygiene.  It is difficult, if not impossible, for us to think of not being able to turn on a tap and have clean, safe water fill our cups.  In some areas of the globe, however, people must travel miles to access water that is not tested, not clean, and is the cause of many diseases and even death.  

Each day these new projects provide clean, safe water to hundreds of people. The communities participate fully in the construction and implementation of these wells, and the villages have now taken full ownership of the projects. Water committees, selected by the communities themselves, maintain the water points and ensure that they are being properly used. The committees, along with the communities they serve, work hard to make sure that the wells are sustainable and will be able to provide clean water for many years.

In 2018, Shepherd of the Lake began a partnership with Water to Thrive, and to date we have funded the completion of seven wells through member donations.  We are grateful to know that these communities no longer have to face the fear of illness and death from dirty water.  Women will be able to spend hundreds of additional hours a year looking after their families instead of traveling miles to collect water that may not be safe to drink.  Children will not have to miss class to help gather water.

We at Shepherd of the Lake are passionate about this ministry and continue to support Water to Thrive in their life-saving mission to provide well water, as well as living water to those in desperate need.  

Shepherd of the Lake Lutheran Church
143 Chota Center
Loudon, TN 37774
865-816-4756
www.shepherdofthelaketn.org

East Tennessee's Mountain Views

P.O. Box 432

Vonore, TN 37885

Email: inquiry@etmv.com

865.856.6463 Local

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