East Tennessee's Mountain Views

East Tennessee's Mountain Views

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P.O. Box 432

Vonore, TN 37885

865.856.6463

Consider Time Honored Antiques as Gifts for Every Occasion

Monday, February 3rd, 2020 | Uncategorized | No Comments

As a result of her frequent travels throughout the south and northeast in search of unique antiques, vintage items, and a wide selection of gifts, Cones Cupboard Antiques founder and owner, Peggy Cones, 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 loved one this Valentine’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 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?

With Valentine’s Day just a couple of days away, a visit to West End Antique Mall may help you discover that just-so-perfect gift for that loved one in your life 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

Do You Have a Story?

Monday, January 6th, 2020 | Uncategorized | No Comments

By Yvonne Marsh, CFP®, CPA

My clients’ stories just keep coming: A couple from church running through their life savings, a husband with an Alzheimer’s diagnosis, a dad suffering a debilitating stroke.  The one thing they all have in common is that no one had long-term care protection. Now they just hope their life savings don’t run out paying for the huge health care costs Medicare doesn’t cover.  In the work I do, this is the defining issue for today’s generation of retirees.  So let’s face these costs head-on and make informed decisions!

In Knoxville, assisted living costs more than $3,600/month and full skilled care is more than $7,000/month, according to the 2018 Genworth Cost of Care Survey. Layering that cost on top of most Americans’ retirement savings is not a realistic option.  Even if you have the means to pay for it yourself, you need to consider:

» Taxes: When you withdraw money from your retirement account to pay for care, you also have to pay the tax on that withdrawal.  If you’re in the 22% tax bracket, you’d have to withdraw $4,615/month to cover the tax and the $3,600/month assisted living cost.  You’d have to withdraw $8,975/month to pay the tax and the $7,000/month full skilled care cost.  

» Medicare Part B and Part D premiums are based on taxable income.  All of those extra taxable withdrawals can force you into paying more for Medicare.  

» Timing: What if the stock market has taken a downturn at the same time you need to pay for care costs?  Having to “sell low” can severely limit how long your money will last.

» Income needs: You may already be using your retirement assets for monthly income.  Selling those assets to pay for care will reduce your monthly income sources.

» Legacy: Perhaps you wanted to leave your hard-earned savings to your grandkids instead of paying it out to a health care agency.  

If you don’t want to spin the roulette wheel of good health, let us help you weigh your options. Protecting your assets from the unknown is just prudent financial planning.

We are hosting small group gatherings where we will discuss the book by Peter Stahl, Top of the First; The Convergence of Health Care and Financial Planning.  You’ll learn how to protect yourself and your family, plus take home a book to keep.  Space is limited, so call today.   

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisor
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.

Happy New Year and Happy Savings!

Monday, January 6th, 2020 | Uncategorized | No Comments

January is a great time to reassess your winter wardrobe. There is finally time to go through all of the pieces hanging in your closet that haven’t been worn yet this year and either donate them or take them to your nearest consignment shop. Whichever you choose, you’ve begun the process of updating your own winter wardrobe while selections are still great and on sale!

At The Lily Pad, our sales are huge semi-annual events which take place in January and July. Our winter merchandise is now 25% off, and on Saturday, January 18th, at 10:00 am, every piece that’s left goes to 50% off! We’ve found this method to be quite effective to not only clear out the store, but also to pass tremendous savings on to our customers.

As the winter merchandise goes on sale, our “La Sale Boutique” (the big room in the rear of the store) goes to 70% off! Thus, the clearing out begins as we ready ourselves and the store for a brand new season! Spring fashions have been ordered, new, fresh looks are arriving and the holiday decorations have been put away for another year.

We’ll look forward to seeing so many of our customers and friends during our unbelievable sale days. If you’ve ever spent a day at Filene’s Basement in Boston, The Lily Pad is almost as wild on the first days of our sale! Plan to spend some time with us as you visit with friends and neighbors, every arm loaded with bargains and having the time of our lives! What a fun day during a not-so-fun month… it’s a social event you won’t want to miss!

At The Lily Pad, we reflect on how blessed we have been this year to again be a part of your lives. We truly appreciate the vote of confidence you place in us to be your fashion headquarters! Our most sincere wishes from the entire Lily Pad staff for a happy and healthy 2020!

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

Discover Winter at Iron Works Grille on The River

Monday, January 6th, 2020 | Uncategorized | No Comments

Named after an important local 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 the shore of the Tellico River in nearby Tellico Plains, is a very special place to experience the magic of a Tennessee winter. 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.

“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 five flavors with our very own homemade ranch-style dressing. 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.”

Iron Works Grille is also a great venue to enjoy your favorite sporting events that are featured in their indoor and covered outdoor areas on their new widescreen TVs and surround sound systems. Be sure to ask about their $1.99 Thursday nights kids specials and 6 pm piñata, in addition to live music on most weekends featuring local artists. 

Planning a special event? Ask Iron Works Grille’s events coordinator, Kayla Cummings, just how they can help. Their venue is large enough to host a variety of events, including wedding rehearsal dinners, holiday parties, birthdays, anniversaries, graduations, and beer/wine pairing dinners – you name it.

Also during your visit, be sure to check out their gift shop, which features local crafts and Iron Works Grille tees and hats 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, and great companionship.

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

For Your Health’s Sake, Select a Single Family Pharmacy in 2020

Monday, January 6th, 2020 | Uncategorized | No Comments

By Ellen Phillips, PharmD

Older adults represent approximately 12% of our entire population yet consume more than one-third of all prescription medications, visiting their community pharmacy twice monthly on average. It is further estimated that nearly a third of these seniors use multiple pharmacies.

There may be a variety of reasons that many older Americans are using more than one pharmacy. Oftentimes their physician, when filling a prescription, may direct a patient to a particular pharmacy. Perhaps it’s a matter of convenience or a new patient incentive, but using multiple pharmacies is fraught with potential danger to not only seniors, but to others as well.

Most people who fill prescriptions may be unaware that there is no nationwide database that informs your pharmacists of every medication that you are taking, which could result in a potentially dangerous interaction. Even your physician may be unaware of the medications that your other healthcare providers may have previously prescribed for you. If your doctor is unaware of all the medications you take, the effects of your new medication may be altered by a medication that you are already taking but that your prescribing physician may be unaware of.

When you have more than one prescription to be filled, getting them all at one pharmacy is not only more convenient, but it is far safer too, lowering the risk of negative drug interactions. A single pharmacy, on the other hand, can result in better and more regular communication between yourself and your pharmacist, which can improve medication adherence, the understanding of the benefits and possible side effects of the prescription drugs prescribed, and minimize the confusion related to medication management.

The use of a single pharmacy provides you with the opportunity to engage with a trusted pharmacist. It will allow you to experience the highest level of personalized care available. 

At believeRX, we monitor the potentially harmful drug interactions and can suggest safer alternatives. And by being aware of your personal health issues, we can evaluate whether your current medications are in fact working effectively. The use of a single pharmacy may also help you feel more comfortable when asking questions about your medications and health issues, including allergies, which can prevent possible complications. A single pharmacy can also save you both time and money by searching for less expensive, yet safe and effective options.

At believeRX, we maintain your complete medication record, including over-the-counter medications, providing you a single, complete source for all your medications, reducing the potential for a dosage error. We also send you friendly reminders when you’re due for a refill.

believeRX is completely committed to improving the overall health of every member of your family and is equally committed to serving our senior community. And while generic drugs may help you to save money, there shouldn’t be anything generic about your selection of a pharmacy. Choose your pharmacy professionals as carefully as you select your other healthcare professionals. Select one that you can trust and then make them an important part of your total healthcare team.

Discover the difference that believeRX can make in every member of your family and a new level of compassionate caring that you may have thought no longer existed in today’s often generic medical marketplace.

believeRX… “Raising the Bar in Pharmacy”

believeRX
9627 Countryside Center Lane
Knoxville, TN 37931
865-214-6672
www.mybelieveRX.com

Here’s a Healthy New Year’s Resolution That is Easy to Keep

Monday, January 6th, 2020 | Uncategorized | No Comments

By Krista Brewster, Co-owner of Aqua Clear Water Systems

While many of us are reflecting on our fondest memories from this holiday season, others of us are busy contemplating our resolutions for the New Year. It probably comes as no surprise to the majority of us that nearly two-thirds of all resolutions we will make this year include health and fitness goals. It may also come as no surprise to you that only a very small percentage of well-intentioned people will actually keep their resolutions.

There are no limits to the excuses we offer as to why we were unsuccessful in keeping our resolutions. But at Aqua Clear Water Systems, we can offer you a fool-proof resolution for 2020 that you’ll be guaranteed to keep.

If you’re like the majority, your 2020 resolutions will include eating healthier and exercising. Eating healthier should include evaluating everything we eat and ingest, and that includes drinking water. I can already hear many of you saying that your home’s drinking water meets the minimum standards set by a government agency. Really? Minimum standards?

At Aqua Clear Water Systems, we have earned a reputation for almost two decades of delivering the cleanest and healthiest water to families just like yours all across East Tennessee. It’s really a no brainer. Think about it. You’re selecting healthier foods for your family, including organically grown vegetables and fruits, organically raised poultry, beef, and pork, and yet your family is drinking water, the most important resource for sustaining life, that only has to meet minimum government standards. And if you’re cooking and bathing in this same water, you’re ingesting it into your body orally or by absorption through your skin.

Why not let our family help your family make and keep one of the most important New Year’s resolutions that you will likely make in your lifetime? It all starts with a simple phone call to set up a free, no-obligation, in-home consultation. If your family could benefit from our extensive selection of water treatment solutions, our experienced project supervisors will recommend the system that is best for your family. At Aqua Clear Water Systems, you have our personal assurance that you will receive a level of service that will exceed your expectations – and a level of service that you might have thought no longer existed in today’s generic retail marketplace.

All of our quality water treatment systems are manufactured to the highest standards by worldwide, industry leader Kinetico, with the world’s most efficient water softener. Each of our systems is backed up by one of the best warranties available, and each system requires no energy and is designed to last far longer than the competition.

As a wife, mother, and grandmother, I know how important your family’s health is to you. That’s why, along with my husband, David, and my son, Jonathan, we and our team of more than 40 pure water experts teamed up with Kinetico to launch Aqua Clear Water Systems nearly two decades ago. We have literally delivered nothing but the cleanest, purest water available anywhere to many thousands of families just like yours all across East Tennessee.

If you’re prepared to make an easy New Year’s resolution in 2020 that will enhance the health of every member of your family, call me today to setup your no-cost, no-pressure consultation. Our experts will help you discover   affordable water treatment options that will deliver on your healthy New Year’s resolution for 2020.

Let us change your water; it will change your life.

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

Charitable Giving and the Qualified Charitable Distribution (QCD)

Thursday, December 5th, 2019 | Uncategorized | No Comments

Are you over 70 ½ and have an IRA?  If so, you should be taking your Required Minimum Distribution (RMD).  Also, if you donate to charities, you have an opportunity to save some taxes.

IRA owners over 70 ½ should consider supporting your favorite charities using a Qualified Charitable Distribution (QCD).  A QCD is a direct transfer of funds from your IRA custodian, payable to a qualified charity. QCDs can be counted toward satisfying your required minimum distributions (RMDs) for the year as long as certain rules are met.

Under the new Tax Cut and Jobs Act (TCJA), the standard deduction for 2019 will increase to $24,400.  For those taxpayers over 65, there is an additional $2,600.  It is very likely the $24,400 or $27,000 standard deductions will be greater than any itemized deductions.  

When you reach the age of 70 ½, you must start taking a Required Minimum Distribution (RMD) from your non-Roth IRAs.  Most RMDs are taxable and are included in income and increase the adjusted gross income (AGI).  This increase often results in an increased portion of Social Security benefits being taxed and some deductions being limited.  The Qualified Charitable Distribution (QCD) allows an IRA owner over the age of 70 ½ to make a charitable contribution directly from their IRA up to $100,000, without including the distribution in taxable income.

This presents a significant opportunity to make a charitable contribution through a QCD and not increase your AGI.  Although the QCD comes out of your IRA and satisfies your annual RMD, it is not reported as income on your tax return, as it goes directly to the charity of your choice.  This allows you to claim the standard deduction of $27,000 and the QCD.  

Here’s an example.  Assume you and your spouse are both over 70 ½ and you anticipate a taxable income totaling $80,000, not including your RMD.  You generally donate about $10,000 to your favorite charities each year.  You will claim a standard deduction of $27,000 since both of you are over the age of 65.  Since the standard deduction includes the deduction for charitable donations, you get no additional benefit for the donation.  

If you and your spouse are required to withdraw $10,000 to satisfy your RMD and you donate it to your favorite charity, your taxable income is increased by the $10,000 RMD and your standard deduction remains at $27,000.  You are taxed on the $10,000 RMD.

However, if you make a QCD directly to your favorite charity, it satisfies your RMD and is not included in your taxable income.  You claim the $27,000 standard deduction and save taxes on the $10,000 RMD.  This could be a potential tax savings of several thousands of dollars.

Some rules do apply. The donation must be transferred directly from your IRA custodian to the charity. The QCD is capped at $100,000 per person each year. RMDs are deemed to be satisfied by the first distributions from your IRA for the year, so if you wish to satisfy your RMD by a QCD, it needs to be your first distributions of the year. Lastly, married couples who each have an IRA each can contribute up to $100,000 from their own IRA. 

When making a QCD, you must receive the same type of acknowledgement of the donation that you would need to claim a deduction for a charitable contribution.

The bottom line is IRA owners who wish to lower their adjusted gross incomes can use the Qualified Charitable Distribution strategy to efficiently disperse money to a charity of their choice and save taxes.

As your tax advisor, the professionals at WarrenJackson CPAs can help you determine if both your IRA and charity qualify for QCDs. Contact one of our offices to speak to a tax professional.

WarrenJackson CPAs

219 West Broadway Street in Lenoir City
865-988-4440

606 South Main Street in Sweetwater
423-337-5003

409 College Street in Madisonville
423-442-3890

206 North Street in Athens
423-745-9314

Best Wishes for a Joyous Christmas and a Prosperous New Year

Thursday, December 5th, 2019 | Uncategorized | No Comments

By Jack Wilson

On behalf of everyone here at Sweetwater Flower Shop and Southern Cuisine Upstairs at The Mansion restaurant, we would like to wish each of you a merry and blessed Christmas and a safe and prosperous New Year. We would also like to take this time to express our heartfelt appreciation to each and every one of you for your continued support and encouragement throughout the years.  

The Christmas season is a very special time of the year when we transform our entire two floors into a winter wonderland showcase that we look forward to sharing with you and your family. We would like to personally invite each of you to share our special holiday wonderland all throughout the month of December. You’ll find it truly magical and inspiring, and it’s also our way of saying thank you to all of our faithful customers and friends. Please come and share this most special time of the year with us.  

Our shop has a spectacular selection of Christmas wreaths and table arrangements, as well as holiday home décor, Christmas ornaments, and gifts. You’ll also discover hundreds of floral arrangements and wreaths, all designed and handmade by me personally, along with a large selection of beautiful gifts, including ladies’ apparel, scarves, designer handbags, designer-inspired jewelry, home décor items, and much more that will make perfect holiday gifts even for that person on your holiday shopping list that seems to have everything. Also, Southern Cuisine Upstairs at The Mansion is the perfect venue for sharing the holiday spirit with friends and family. With limited holiday seating, please call Janice at 423-664-2002 to make reservations and for special holiday hours.

We have finished stocking our University of Tennessee room with all new merchandise for the Big Orange fans on your Christmas list, so be sure to visit our “Big Orange” display area.

Not sure what to buy that special person on your Christmas list? How about a gift certificate to Sweetwater Flower Shop? Gift certificates make great holiday gifts.

During December, please be sure to stop by. We look forward to your visit and for the opportunity to share our holiday greetings and a bit of cheer with each and every one of you.

Sweetwater Flower Shop 
118 W. North Street
Sweetwater, TN 37874
423-337-6623

We’re All in This Together

Thursday, December 5th, 2019 | Uncategorized | No Comments

We work our entire lives with the goal of achieving a sound retirement. But as the time draws near, we often become apprehensive, recognizing that retirement is much more than the savings that you’ve managed to accumulate and your newfound free time. You find yourself asking:

» Will I need to reduce my spending in retirement?
» Is there a chance I will outlive my retirement savings?
» Will future tax increases erode my savings?
» How will I be able to afford an unexpected medical emergency?

And that doesn’t count the more concrete questions of when to start Social Security and which Medicare supplement plan to choose. Retirement is uncharted waters. You’ve observed your parents and others during retirement, you search online for retirement related subjects, you share experiences and expectations with family and friends. You make the best decisions you can, often guided only by your gut instinct.

But in retirement, there are no do-overs, so a growing number of people are choosing professional help with a comprehensive approach that combines investment advice with financial planning, tax strategies, insurance solutions, and legal planning.

In this month’s issue of Mountain Views, we are delighted to share with you our recent interview with Marsh Wealth Management founders, and husband and wife team, Mike and Yvonne Marsh. Having earned a well-deserved reputation among retirees for their comprehensive approach to retirement planning, we are confident that you will enjoy their thoughts on retirement whether you’re retired, near retirement, or years away from retirement.  

MV: Yvonne, I enjoyed the analogy on your website comparing the navigation of retirement to planning a trip to somewhere you’ve never been before. Like an experienced travel guide, how can Marsh Wealth Management help me to successfully navigate my retirement?

Yvonne: We know the number one goal for retirees is to maintain their lifestyle in retirement without the worry of running out of money. So our approach is three-fold: First, we help people define what their lifestyle is going to look like. Second, we help them identify potential pitfalls or obstacles and come up with solutions that fit them. Then, just as importantly, we act as their guide on this “retirement trip,” making sure everything works smoothly leading up to retirement, the transition from a paycheck to a play check is seamless, and all of the little gotchas are taken care of for them. Their biggest task is deciding on their first post-work vacation!

MV: Mike, what is the number one mistake would-be and existing retirees make in planning? 

Mike: They stay aggressively invested for too long as they’re approaching retirement. The Fragile Decade – the five years leading up to retirement and the five years after retirement – is the most critical time period in predicting the success of a 30+ year retirement plan. Waiting until a year or two ahead of retirement to reduce the risk in your portfolio is waiting too long. 

MV: The equity markets have a long history of very good returns on average, but I’m fearful of losing money in a market downturn. What suggestions do you have for me?

Mike: We use an investment bucketing strategy that allocates a client’s portfolio into time segments: Now, Soon, and Later. The idea is simply that the Now bucket is rainy day, emergency, and planned expenses tucked safely in bank accounts. The Soon bucket is money earmarked for spending in a retiree’s first phase of retirement and more conservatively invested, while the Later bucket is money designated for the second phase of retirement so it can have more growth orientation. We all know that we build wealth by staying invested in the markets over time, and this three-tiered allocation gives our clients the confidence to do just that.  

MV: How can you help me overcome the often high costs arising from an unexpected medical emergency that was not in my spending plan?

Yvonne: By helping you be proactive and not reactive: Planning for those costs before they happen. First, we help clients identify and quantify which costs aren’t covered by Medicare, and then we talk about their options. Many folks don’t know there is a great option that pays for home health care, assisted living, and other long-term care costs and also provides a death benefit to heirs if you don’t end up needing those benefits. The cost and the benefits are guaranteed at issue, so it really creates a lot of clarity and confidence for today’s retirees. It’s a great solution, but only about one out of every 10 people I talk to have ever heard of it.

MV: What is the impact to today’s retirees who are living longer than either their parents or grandparents?

Mike: We think of longer life spans as a risk multiplier – it multiplies the number of times to which your portfolio could experience a market correction and the higher likelihood someone will experience an expensive health event.  And inflation is a sneaky factor that can really eat into a retiree’s ability to afford everything they are used to buying.  We work with clients to design strategies that will serve them well no matter how long they live.  

Yvonne: That’s right. I never want an 85 year old client to come to me and say, “Well, it’s been fun, but I’m out of money.” Our plans are designed to last as long as they do!  

MV: What if the government should raise taxes during my retirement years?

Yvonne: Well, truthfully, we already know that they are going to raise taxes when our current tax code expires at the end of 2025. It’s already written into the law that our personal tax rates will revert back to the higher pre-Tax Cuts and Job Act of 2017 levels. So taxes are on sale right now! Many people should be, at a minimum, executing Roth IRA conversion strategies up to and within the current 24% bracket. That is an integral service we offer to our wealth management clients.

MV: It’s obvious that a successful retirement plan includes a great many considerations. How can you help me create a comprehensive plan that will help me to sleep at night?

Yvonne: It’s so true that the devil is in the details. And we actually start with some non-financial details – such as reviewing healthcare directives and identity theft protection and providing a survivor’s guide for heirs. Some clients don’t need extensive financial planning, so we focus on creating an Investment Bucket Strategy that can sustain their income needs. Other clients need extensive financial and tax planning, so we create a comprehensive plan addressing those needs. It’s definitely not a one-size-fits-all process. 

MV: What is the best way to select a qualified wealth advisor as I’m trying to navigate all of the financial decisions a retiree has to make? 

Yvonne: First, understand how they are paid. A fiduciary is compensated as a percentage of assets, whereas a broker dealer is compensated by commissions on account activity. You have to decide which business model best aligns with your own interests. Second, professional credentials are important, and we proudly have CFP®s and CPAs in our office. The continuing education commitment that these licenses require keep us technically sharp. Third, and just as important, is finding someone you can connect with on a personal level. Your advisor is there to guide you through a journey that will be uniquely yours – and you want to have a relationship that you are confident to call on at any time.

MV: We’ve talked a great deal about would-be and existing retirees, but what about those of us that are still working and saving for retirement? Where’s the best place to invest our savings?

Mike: By far, the number one thing we get asked by people still working is “Can you help me with my 401(k)?” And truthfully, this is a huge societal issue. Companies have moved away from pensions and put the burden of saving and investing on their employees, but the vast majority of people don’t know which investments to choose. And who wants to go home after a hard day at work and research mutual fund choices while you’re juggling kids and dinner? So we’ve just introduced a service called Plan Confidence, which allows us to help people choose their 401(k) investments, using the mutual funds that their employer offers, with no IRA rollovers needed. The money stays right in the 401(k). It’s a monthly subscription service, and we connect with clients through a secure website and mobile app. No office visits required for busy people!  

MV: How can I learn more about Marsh Wealth Management? Do you offer a complimentary consultation to determine if there is a “good fit” between your integrated team and myself?

Yvonne: Our website is always a great place to start. We’ve worked hard to lay out how we approach retirement planning and the strategies that we employ, so it gives people an easy first step to see if we would be a good fit for them. Then give our office a call to set up a time where we can introduce ourselves and hear your story – what you’re excited about and what you’re worried about – and decide how we might be of help to you on your retirement journey.   

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

Yvonne and Mike: Truly, we are all in this together. Everyone’s future is equally unknown, and there’s no need to try to figure it out by yourself. Our entire team believes in building long-lasting relationships with our clients – to be that resource that gives you a guiding hand, a word of encouragement, or an ear to just listen. We know there will be unexpected twists and turns in your retirement journey, but we’re here every step of the way, so you can relax!

Marsh Wealth Management, LLC
Fiduciary Registered Investment Advisor
504 Ebenezer Road
Knoxville, TN 37923
865-622-2162
ymarsh@marshpros.com
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.

LakeHomes.com Awards 2019 Best Retirement Lakes

Thursday, December 5th, 2019 | Uncategorized | No Comments

LakeHomes.com, the leading web destination for lake real estate data and sales information, has identified its list of 2019 Best Retirement Lakes (www.lakehomes.com/info/articles-and-news/2019-best-retirement-lakes). The list was compiled with data from Lake Homes Realty’s quarterlyLake Real Estate Market Report (www.lakehomes.com/info/lake-real-estate-market-reports) in conjunction with the 2019 SmartAsset Best Places to Retire (https://smartasset.com/retirement/where-to-retire). 

The editorial committee measured markets with a minimum lake market listings value of $10 million. The criteria included data points such as accessibility to healthcare facilities and the portion of the existing population that are senior citizens, along with each area’s cost of living and tax burden.

“Our data tells us that lake real estate buyers and sellers are primarily retirees or soon to be retired individuals,” said Mark Griggs, Marketing Director of Lake Homes Realty/LakeHomes.com. “Buyers often shop across multiple states and lakes to find the ideal location for their life stage. We have compiled our list of the best lakes based on the top retirement preferences for this demographic.”

The awarded lakes for 2019 are: 
» Lake Granbury, Texas
» Lake Hickory, North Carolina
» Lake Lanier, Georgia
» Lake Guntersville, Alabama
» Lake Keowee, South Carolina
» Tellico Lake, Tennessee
» Lake of the Woods, Virginia

“Our lake focused real estate agents are experts in helping customers find the perfect property to fit any lifestyle,” said Glenn S. Phillips, CEO of Lake Homes Realty/LakeHomes.com. “Each one of our agents live, work, and play on the lakes they service. That local knowledge includes awareness of the attractive qualities that retirees are seeking.”

“I was so excited to hear the news about Tellico Lake receiving this award,” said Karen Packett, listing/selling broker on Tellico Lake and Fort Loudoun Lake with Lake Homes Realty.  “I’ve lived here all my life, and to see Tellico Lake and all the lake communities like Tellico Village and Rarity Bay experiencing such wonderful growth is heartwarming.  Since I specialize in lake community properties on Tellico Lake, I truly feel blessed to be able to introduce my buyers to my wonderful area and all we have to offer!”  

“As we continue to build our marketing strategies for both travel inspiration and retiree relocation, we are proud that Tellico Lake has been recognized as one of the Best Retirement Lakes by LakeHomes.com,” said Rachel Baker, Director of Tourism for Visit Loudon County. “As retirees are estimated to visit a community three to five times before making a decision to relocate, it is a natural fit for our organization to target this demographic.”

Loudon and Monroe counties have become an ideal location to visit and to retire. Retirees become “permanent tourists,” according to Baker, seeking a well-positioned location with easy access to a metro area and airport, access to premier healthcare, and a low cost of living. No state income tax, four mild seasons, extensive outdoor recreation, and community-focused amenities are also desired among today’s retiree.

“We are honored to be considered one of the best retirement lakes in the nation in 2019,” said Monroe County Mayor Mitch Ingram. 

“We are excited that Tellico Lake is receiving the recognition that reflects the true experience it offers to our retirees in this area,” said Blaina Tallent Best, Monroe County Director of Tourism. “We invite anyone looking to retire to consider Tellico Lake. You will not regret retiring here.”

About Lake Homes Realty

Lake Homes Realty (LakeHomes.com) is a multi-state real estate company focused exclusively on lake homes and land. The Alabama-based brokerage has been named as one of the fastest-growing companies in the U.S. by Inc. Magazine’s INC 5000 three years in a row. Lake Homes Realty is currently a licensed real estate brokerage in 27 states and is growing rapidly into additional states. For more information, visit www.lakehomes.com

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