Welcome to the February 2021 Newsletter for MasterPlan Retirement Consultants!

Mark’s Missive

The economy throughout the course of the pandemic has been a rollercoaster. During three months of COVID-19, the unemployment rate in the U.S. grew more than it did in two years of the Great Recession.1   For individuals nearing retirement, economic uncertainty is all the more unsettling. It raises this question: should you consider retiring earlier than you originally planned? Before making a decision, be aware of the special considerations that retiring early entails. Considerations of retiring early require lifelong planning, in addition to adequate preparation in the years preceding your eventual retirement. If you’re thinking about pushing up your planned retirement even earlier, there are certain factors you need to consider.

Consideration #1:  Retirement Savings & Investments

The foremost factor to consider is your retirement savings. Are you in a good place financially to retire, especially considering that you’re losing extra time to save and will need to stretch your savings over a longer period of time? The last thing you want is to retire early without adequate savings, forcing you to sacrifice the quality of your retirement. Additionally, how are your investments looking? As you near retirement, it’s likely that you’ll need to adjust your assets to be more conservative. If you’ve already made these adjustments in preparation for retirement, you’re likely in a good spot. If you’re still investing more aggressively with more short-term losses due to the recession, you may want to reconsider.

Consideration #2:  Health Insurance

If you’re looking at retiring before 65, there’s a chance you’ll need to acquire health insurance before you’re covered by Medicare. As you age, health insurance gets more and more expensive. This means you’ll need to factor this in as an extra expense to determine if you can afford to retire early.

Consideration #3:  Social Security

Social Security benefits are available to you as early as 62 years old, but don’t let that fool you. If you start collecting benefits before your full retirement age, determined by your year of birth, your benefits will be smaller.2 If your early retirement plans also include collecting Social Security, this is another financial factor to consider.

Consideration #4:  Post-Retirement Plans

Do you want to retire early only because you’re overwhelmed by the current state of affairs? While this certainly isn’t a trivial reason, it’s important to evaluate whether or not you’re actually ready to retire. Do you have a plan for what you want to do with your retirement, and are you ready to get started on it? Are you ready to actually finalize your career, or is there a possibility you’ll quickly grow bored with your early retirement?

Perks of Retiring Early

If you’ve considered all of the above factors and find yourself certain about your early retirement, there are a few perks. It could reduce your stress levels from work, giving you more time to explore recreational hobbies. You can spend more time with your family and spend more time traveling.  You can even get a head start on the new business venture you’ve been contemplating. With everything going on, it’s tempting just to go ahead and retire early if you’re nearing the age. However, there are more factors to consider than you may realize. To make the most informed decision possible, genuinely reflect on your motivations for wanting to retire early.

  1. https://www.pewresearch.org/fact-tank/2020/06/11/unemployment-rose-higher-in-three-months-ofid 19 th it did i t f th t i / covid-19-than-it-did-in-two-years-of-the-great-recession/
  2. https://www.ssa.gov/benefits/retirement/planner/agereduction.html

This content is developed from sources believed to be providing accurate information. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.

 

Evan’s Observations

Peace In The New Abnormal

Given the unprecedented number of people afflicted by COVID-19, alongside the social and political unrest we find ourselves immersed in, 2020 has made its mark on all of us in many ways. During times like these, finding optimism and hope amid the chaos can be difficult.

Upon quiet reflection, in the midst of quarantine and seclusion, I can’t help but be thankful for the time afforded to me in spending more time with my family.  Our daily beat of hurried tasks, schedules, and appointments came to a screeching halt, where we were unsure of what we should be doing with ourselves. Thus, we restructured our days to fit our (forgive the overused term) new normal. A few examples of these personal adjustments, with positive outcomes, are as follows:

Quarantine started off with daily picnics by the lake. Once we decided preschool wasn’t an option for us this year, we began homeschool-preschool with our 2.5-year-old daughter Isla and I have been fortunate to take an active role in her early education. Before I joined Masterplan, I was a full-time musician and songwriter. I have been able to write and create simply for the sake of creating, without an agenda or end-goal.I have had more time to make adjustments to my fitness and diet. My wife and I have felt closer than ever before. We are expecting daughter number two in February.

I don’t know if I’m qualified to give much life advice to so many who have greater wisdom and life experience than I, but I would like to give a small token of recommendation that I have found fruitful:

Cling to your loved ones, making the most of your time with them.  Reflect on the things for which you are thankful.  When you need reassurance, go back to step one.

Simple? Yes. Obvious? Probably. However, far too often easy to forget.

We live in a time of juxtaposition.  It is a true metric of these times when such a tragic moment can also be a life-giving one.

We are thankful for you and are blessed to know you. We consider you extended family and will always be honored that you have entrusted us to work alongside you in your retirement journey and to share in the journey that is your life. Stay safe and be well.

Client Spotlight – Life to the Fullest

We are happy to introduce to you, Larry and Sonya Mahler.  They are incredible people with a heart for others and our world.  Enjoy learning about how they are making their dreams come true and enjoying every moment!

Master Plan Clients Larry Mahler and Sonya Wood Mahler Head West to Start Their Retirement

In 2018, Sonya worked as an environmental educator at The Garden School of Marietta. Larry was a forester with the U.S. Forest Service regional office in Atlanta. That year, Larry had double knee replacement surgery. A slow recovery from those surgeries was a big incentive for Larry to retire in July 2019, after working for 50 years (if you count the paper route he had when he was 10).

In the fall of 2019, Larry and Sonya sold their home in Kennesaw (Lemon Pepper Cottage). After researching and settling on their favorite Southwestern town, they moved to Prescott, Arizona. They had always wanted to live in the Southwest. They chose Prescott for three reasons: the Granite Dells, the pronghorn antelope, and the earthy, friendly residents. Prescott is in the high desert, halfway between Phoenix and Flagstaff. It has a little of both: cactuses, agaves, junipers, pinyon pines, and ponderosa pines. It is a mile high and gets snow four or five times a year. They seized the opportunity to downsize from a 2,800 square foot, 2-story house on almost an acre to a 1,200 square foot single level home on a tiny lot. They named their new place West of the Moon Cottage. They have enjoyed the first 12 months in their new home and hometown, in spite of this unprecedented year.

Sonya and Larry have explored Arizona through hiking, mountain bike riding, scenic drives, kayaking, and overnight stays in historic hotels, state park cabins, and Nordic ski yurts. They counted the

number of hikes they have walked since moving to Prescott…over 80 so far! They hiked the entire Prescott Circle Trail, an often strenuous route that winds through Prescott National Forest, the Granite Dells, and circles the city of Prescott. It is 55 miles long, divided into 11 segments. They completed one segment each month, walking between 2.7 and 9.5 miles each time. Sometimes friends join them along the way. But their faithful Great Pyrenees, named Prancer, walked every inch with them.

Larry is loving retirement, which allows him to breathe deeper. He is happy with the folks who replaced him to carry on the mission of sustainable forestry and natural resource management for both public and private lands. The ongoing “mission” is in good hands with these friends and cohorts. Larry did do his part to provide good baseline data for the 2020 census as a “door knocker” and was able to visit some remote areas of Arizona using his 1996 Jeep. Aside from the census work, he has continued to work hard on the “project of the day”, allowing for breaks to enjoy a cup of coffee, read a good book, take Prancer on a hike in the Granite Dells, or blast a fire in the backyard fire pit under the awesome Arizona stars. He has become an excellent carpenter and woodworker. These are some of the projects that they have completed on their house and landscape (yes…during this past year): wooden privacy fence around the backyard and side yard including custom-built gates, pecky cypress paneling on walls in the dining room and kitchen, new walnut mantle over the wood-burning stove with inlaid Arizona stones that they collected locally, a fire pit in the backyard, vegetable garden with bamboo fence and gate, ten flower and shrub beds created, flagstone sidewalk leading to the front door, United States flag and Arizona state flag flying in the front yard, 22 solar panels installed on the roof , producing more electrical power than they need.

Sonya is honored to work full-time as the Membership Database and Volunteer Coordinator at the Highlands Center for Natural History, tucked into the Prescott National Forest. During this time of COVID, she mostly works from home and goes into the center three evenings a week when there are only one or two other staff members around. This year, Sonya helped to coordinate the Volunteer Fair, the Visions newsletter, Fresh Air Moments posted on the center’s website, the Wander the Wild online auction, the first annual Plein Air Art Festival, and Publisher’s Clearinghouse style visits to front porches to deliver awards to outstanding volunteers.

When Sonya retires, they plan to live in Prescott from April to October and at their other home in Orange Beach, Alabama, from November to March each year. (This will make them horizontal snowbirds.) In 2020, Hurricanes Sally and Zeta struck their Southern home, named The Last Resort, which they share with Sonya’s Dad. The strong winds brought down 15 trees on the property. Some of them fell on the roof of the house, the side porch, the chain-link fence, the wooden fence, the carport, and the kayak trailer. They were very fortunate to have neighbors, in Orange Beach and forester friends from Louisiana, who cleared trees and debris from their yard.

In this shiny new year that will undoubtedly be different, when we have been forced to see things in ways that

we could have never imagined, Larry and Sonya are very thankful for their friends and family, and the sweet memories they have of perfect days together.

Ali’s Exchanges

Like most people, the happenings of 2020 surely were unexpected for me. I never anticipated that the year would require the amount of isolation, working from home, honing my digital skills, and doing as many things virtually as possible that it did. Of course, these challenges are insignificant when compared to the loss of life and stability for so many, including my friends and family members. Truly, 2020 was hard, and unfortunately, the ball dropping in Times Square did not seem to eliminate all the things that I was ready to get rid of from the prior year. That being said, this article is not meant to discourage you or bring you down. The very inspiration for this piece is a desire to share a bit of hope and inspiration despite the unexpected hard circumstances life can present us with and in light of the unexpected opportunities that will inevitably come your way. 2020, as bad as it was, revealed many of my strengths and presented me with the opportunity to join the team at MasterPlan, which is exactly where I trust I am supposed to be.

I have a Biblical worldview, and I find that one of the joys of being a Christian is that though I may flinch instinctively at the notice of bad news or the unexpected circumstances of life, there is something that remains constant no matter what: the sovereignty of my God and His provisions for me. My need to grasp the scripture that states “[God’s] ways [are] higher than [my] ways and [God’s] thoughts than [my] thoughts” is strong. God’s provision may not match what I think I need. My need to trust “that for those who love God all things work together for good, for those who are called according to his purpose” is constant. Note, that scripture reads “all things.” Not some, or not only the ones we approve but “all.” My Biblical worldview remains my foundation, in “all things” personal and professional. My short 36 years of life has seen many transitions and ups and downs. I’ve been a daughter, student, attended college, married my high school sweetheart, become a mother, and been called to minister to others. I have seen my calling manifest itself in serving in financial planning, retirement living, non-profit and ministry professions. Coming back to the financial planning industry feels like a full-circle moment for me, as it was Mark Fricks that interviewed me as a young college student back in 2004 for my “first real job.” I am grateful for the unexpected opportunity to work with Mark again and to get to know the team and clients at MasterPlan. I have high hopes for what 2021 holds for me and the pursuit of my calling. I believe starting in the position as Client Services Coordinator for MasterPlan is yet another example in my life of God’s provision, coming out of one of the hardest years of my life.

I look forward to working with you.  I hope you can be encouraged, even amid uncertain circumstances, that a secure plan is unfolding and I hope your foundation feels as secure as mine feels. May “the Lord bless you and keep you,” may “[He] make His face to shine upon you and be gracious to you;” and may ”[He] lift up His countenance[a] upon you and give you peace” in 2021.

Julie’s Journal

Over eight years ago, I was feeling pulled in a different direction.  My boys needed more of my time. I had some health issues. My job was not where I wanted to be long-term between the drive and the management changes.   I did not feel right about it anymore.  My husband and I prayed about what to do.  I felt that I needed to leave my current job, but I felt I should be acting responsibly for my family.  We prayed and prayed.  I said to my husband, “Okay, if at any time during the day you feel God saying I should quit my job, then call me and say peaches.”  I laughed this off thinking no way would I get that call.  It was something we did not take seriously, and it became a joke between us.

I had to pick something up on a Wednesday night at our church a few months later.  I walked in and immediately an acquaintance just abruptly walked up to me and said, “I don’t know why, but God told me to start calling you Peaches.”  Yes Jonathan, my husband was standing there and heard the lady who had no idea what we were going through, especially not what the word would mean to us.  Yes, immediately I put in my notice to the company I had worked with for eight years.  This was also the 5-year anniversary of my mom’s passing, so this was a very emotional time. After turning in my notice, I never looked back!

God never stopped providing and taking care of us.  Wonderful opportunities came such as my start at MasterPlan, which was only about 12 hours a week at the time.  It was just Mark and me: I learned as I went.  I had never run an office before.

Fast forward eight years: I just finished my BA in Business Leadership this past summer in 2020, going on eight years at MasterPlan, and definitely working more than 12 hours a week.  I have moved on to another challenge this year, studying for my compliance certification sponsored by the National Regulatory Services.  This will give another layer of security to you as our clients, to MasterPlan, and to me.

One of the best parts so far at MasterPlan has been getting to know many of you.  I never dreamed that my women’s ministry event planning days with Karen Fricks at our church would lead to and continue in my work at MasterPlan.  Yes, now we come full circle. Karen has been my mentor for over 10 years.

Although we cannot safely have client events at this time, we look forward to the time when we can restart them.  In the meantime, you can join our educational webinars that are listed under the “News and Need to Know’s”  section of this newsletter.  We will also send information periodically concerning ways you can partner with us as service opportunities become available.

Being a part of the MasterPlan family has been amazing and such a blessing.  I have learned so much and developed the confidence to continue my education and even participate in my first international mission trip in 2019.  I especially appreciate the opportunity to get to know our clients and to pray for them.

I thank God for giving what my family and I needed to take that first big leap!.  I am looking forward to the next eight years.  There are two main things I have learned through my experience:

  1. You can always encourage someone imparting your wisdom regardless of success or failure and become part of their journey.
  2. “If it’s not God’s time, you can’t force it. When it is God’s time, you can’t stop it!” @craiggroeschel.

1 Thessalonians 5:11 “Therefore encourage one another and build one another up, just as you are doing.”

I encourage you to allow us here at MasterPlan to help you realize your opportunities for growth in 2021.

Karen’s Corner

While recently listening to a podcast about the interesting rhythms of life,  I was reminded that there are many rhythms from creation such as the tides, bird songs, labor pains, heart beats, walking gaits and even the rhythms of life and death.  There are other rhythms that we create in our daily lives through our family relationships, work schedules and even our play.

In the past year, we have seen multiple disruptions in the rhythms of our lives.  These disruptions have caused anxiety and restlessness in people here in the states and globally.  When thinking of our newsletter for this season, I wanted us to focus and to embrace 2021 with positivity and move forward with renewed hope and vibrancy.

In this newsletter, you will hear from all of your MasterPlan family and hopefully, get to know us a little better.  We serve as a team.  We appreciate each other and we deeply appreciate all of our wonderful and caring clients.  We have said it before, but I would want you to know again how much we enjoy serving you, getting to know you and having the opportunity to be a part of your lives.  Serving you in this capacity is both a privilege and an honor and we hold this in high regard.

MasterPlan celebrated ten years of being in business in 2020.  We were to have a new office open house and celebration but COVID curtailed that!  We are hoping to have a celebration with you as soon as it is healthy and safe to do so.

My position at MasterPlan, is an interesting culmination of my upbringing, career path and outside volunteer positions.  I was reared by two pioneers in the areas of education and mainstreaming children with special needs in society and public education, as they parented my younger sister, who had Down syndrome.  My parents were highly successful business owners.  I saw firsthand how they valued and took care of their clients and how the business wasn’t always left at the office.  At a young age, I took messages and information for my parents on our home number (no cell phones back then).  I observed their weekly family “business” meetings where they discussed their family and business dreams and goals. I began working in the “office” at the age of fourteen.  I saw the hard work, rewards, and the sweat and tears.  Through this my entrepreneurial spirit was born.  After earning my undergraduate degree in Speech Pathology and Audiology at UGA, I earned my Masters Degree in Education in Speech Language Pathology.  During the time of pursuing my undergraduate and graduate degrees, I was employed as a school speech pathologist, a parent advisor with GA Parent Infant Network for Hearing and Visually Impaired Children, and as a back office nurse to several physicians.  I practiced in medical speech language pathology for a few years with a large company and then determined that it was time to begin my dream of owning my own private practice.   I was in private practice in hospitals, schools, acute and long term care and early intervention, and owned a rehabilitation clinic with up to twenty two employees over a span of twenty years.  I “semi-retired” in 2013 after a total of twenty seven years in speech language pathology. I have volunteered in many positions of teaching and administration, participated in and directed music and drama presentations, held directorships and other positions in women’s ministry, fostered through the United Methodist Children’s Home, hosted orphans from Latvia, Russia and Ukraine, and was involved in  national and international mission trips.

In 2010, Mark and I founded MasterPlan Retirement Consultants.  I began as the only administrative employee, (unpaid😊) with a huge learning curve to conquer!  I took time away from day to day employee responsibilities to provide for my family by working part time in speech pathology. As MasterPlan grew, we were able to add employees so that I could be available for my family.   Since 2010, I have been involved in the corporate decision making capacity of the business, as well as in planning the client events and outreach that we so enjoy with all of you.  I now spearhead the corporate responsibilities and continue to plan and coordinate our events and outreach.  It is interesting to look back and see how my parents’ entrepreneurial spirit, the career opportunities that were provided to me, the directorships and event coordination experience (even being caretaker of a historic home used for weddings, receptions, and parties while at UGA) among other volunteer positions , culminated into the ability to be a partner in a wonderful business that I feel so blessed to have the opportunity to care for our clients in.

2020 was challenging!  2021 seems somewhat uncertain.  However, I know without a shadow of a doubt that all of the events of this past year have prepared us for the challenges of 2021.   Please know that we are praying for each of you!

I know what I am doing.  I have it all planned out – plans to take care of you, not abandon you, plans to give you the future you hope for.  Jeremiah 29:11 The Message

 

At our last Lunch and Learn event before COVID, several of you requested this recipe.  Here is the Classic Chili recipe that was served.  Enjoy!

Karen’s Classic Chili   

Serves 6-8 and can easily be doubled or tripled.

Ingredients:

1 tbsp. olive oil

1 medium sweet or yellow onion – diced

1 medium green bell pepper – diced -optional

1 lb. ground beef (chuck or lean as desired)

2 ½ tbsp. chili powder

2 tbsp. ground cumin

2 tbsp. granulated sugar

2 tbsp. tomato paste

1 tbsp. garlic powder

1 ½ tsp. salt

½ tsp ground black pepper

¼ tsp ground cayenne pepper

1 ½ c beef broth

1 (15 oz) can diced tomatoes

1 (16 oz) can red kidney beans, drained and rinsed

1 (8 oz) can tomato sauce

  1. Add the olive oil to a large pot and place over medium high heat for approximately two minutes. Add onion and green pepper (if desired) and cook for 5 minutes, stirring occasionally.
  2. Add the ground beef to the pot. Crumble and brown cooking for 6-7 minutes, stirring occasionally.
  3. Add the chili powder, cumin, sugar, tomato paste, garlic powder, salt, pepper and cayenne. Stir until well combined.
  4. Add the broth, diced tomatoes (with the juice), drained beans and tomato sauce. Stir well.
  5. Bring the liquid to a low boil. Reduce the heat (low to medium low) to gently simmer, uncovered, for 25 minutes.  Stir occasionally.
  6. Remove pot from heat and let chili rest for 5-10 minutes before serving. Honestly, best flavor is achieved in preparing the day before, refrigerating and reheating which allows the flavors to mingle and develop.

 

The Power of Choice

2021…  A whole new year, a new beginning, a blank canvas, a chance to do something different, choosing something better, receiving a better result. Will it be easy? No

We all know anything of any value has never been easy.  The work and effort to obtain our desired end is hard, but the reward gained is sweet and easy to enjoy.On the contrary, staying the same, settling for less, not reaching for our goals, not choosing something better, walking the road of least resistance is easier to achieve.  Yes.  But just when we think we have gotten off easy, avoided difficulty, and remained comfortable… The reality of our “reward”; the effect of our complacency sets in and is extremely disheartening.  The disappointment, the discouragement ~Unbearable.

In 2021, let’s choose not to allow difficulties and hard work to keep us from our dreams.

Yes, cowardice is easy.

Yes, indifference is easy.  But the fruit it bears is bitter to eat.

Have COURAGE! Go after what is worthwhile, what your heart desires.  Take that road that is less traveled.  When you fall down, don’t stay down. Get back up and keep walking.

Choose these for 2021:

  • Schedule the appointment for the lessons
  • Do the workout routine
  • Make the counseling appointment
  • Change the eating lifestyle
  • Save the money
  • Book the trip
  • Read the book
  • Plant the garden

We will never obtain our goals if we don’t take action. We all have the same opportunity… to choose. I will leave you with this poem that became a motivation for me.

Choose Your Hard

Marriage is hard.  Divorce is hard.  Choose your hard.

Obesity is hard. Being fit is hard.  Choose your hard.

Being in debt is hard.  Being financially disciplined is hard.  Choose your hard.

Communication is hard. Not communicating is hard.  Choose your hard. 

Life will never be easy.  It will always be hard.  But we can choose our hard.

Choose wisely.

-Author unknown.

As this writing comes to an end, I hope and pray that this truth and principle will stir the soul of our many friends of MasterPlan Retirement Consultants. Realizing I’ve not had the privilege to meet all of our friends…I’m pleased to meet you now. : )

My name is Carol Freeman, I am the face behind the voice you hear when you call the office, or if I call to offer a reminder of your upcoming scheduled time with Mark.  I also am your liaison with administrative changes to your accounts and coordination of your estate planning. I have been blessed to be a part of this company for almost two years.  I came to MasterPlan with eight years of experience in the financial industry.

I am about to celebrate 32 years of marriage with my husband, and we are blessed with two adult children, a two-year-old grandson, and a new granddaughter that will make her debut in mid to late February 2021. I grew up in the same community as Mark Fricks and Karen Fricks; our children attended the same school. I share their core values and faith and am a witness to their honest concern for the well-being of all of our clients and friends of MasterPlan. It is my pleasure to serve you!

New’s and Need to Know’s

A few of our goals here at MasterPlan are to contribute to the edification of our community in various ways and to reach out to others less fortunate than ourselves. This past Christmas, we chose to participate in the 2020 Spirit of Christmas program through Simple Needs GA.  The following is an email update from the founder of Simple Needs GA, Brenda Rhodes.  We hope to partner with them again in the near future and we invite you to join us! ~Karen

From: “brenda” <[email protected]>
Sent: Sunday, December 27, 2020 4:38:48 PM
Subject: Spirit of Christmas – Simple Needs GA … thank you!

Hi, everyone. We cannot thank you enough for your participation in our 2020 Spirit of Christmas program! With your help, we were able to give gifts and other items to 278 kids in 100 families

(last year we helped 166 in 63 families). Gifts were also provided to 26 additional children and 10 moms in three shelters.

59 of our families were sponsored by some of you and we provided the gifts for the other families, using the funds that were donated. We had more sponsors than any other year – all of the kids who were sponsored were done so via full family which was so very helpful.

It was a crazy time but well worth it. We appreciate however you helped us – by being a sponsor, donating funds or games or other items, volunteering, shopping, delivering.

I’ve attached a document with some thank you emails received in case you’d like to see those.

Please keep in touch through the year – we have six other programs which are year-round, including one which provides birthday gifts to kids who are homeless.

And then in about 11 months, we look forward to your participation in the Spirit of Christmas 2021!

Happy New Year!

Brenda Rhodes, Founder

www.simpleneedsga.org

678-523-4122 cell

https://bit.ly/3bSymP4 (11Alive segment)

I want to Thank you Again Mrs Brenda. You have really helped me and my family this year. U are a TRUE BLESSING!! My kids can’t wait to open their gifts. I just wanted to say MERRY CHRISTMAS from me and my family!!!!🎄🎄🎄

MERRY CHRISTMAS!!! U ROCK!!! THE KIDS LOVED EVERYTHING!! ALL SMILES EAR TO EAR!! EVERYBODY WAS SO EXCITED!!! U MATCHED ALL OF THEM TO A T!!! THANK YOU!! I HOPE THAT YOU AND YOUR FAMILY HAVE A BLESSED CHRISTMAS AND HAPPY NEW YEAR!!!!

Thank you! I can’t stop crying. I so appreciate you beyond words you have been here for the kids and I since the beginning. I can’t thank you enough. I pray that when I get better that you allow me to help out by doing volunteer work. I pray that next year the kids and I can bless a beautiful family like you did us. What I thought was going to be the worst day God and you have truly made this the most beautiful day. I’m grateful the kids and I are alive and I’m truly grateful and appreciate you. I’m sorry for being so emotional 😭 but I can’t help it you’re truly Magnificent. Thank you so much this would’ve been nowhere near possible if it wasn’t for God and you thank you.

I feel so happy inside… My family has gone through so many challenges over the past few years. I won’t complain because so many others — have face unsurmountable issues as well.

We know God is real… when we see a beautiful sunrise and then — gifts received from kind strangers.

I LOVE PEOPLE…

I LOVE YOUR FOUNDATION…

“MERRY CHRISTMAS!!!”

Bless you Ms. Brenda. You are making a difference in our lives and we can’t thank you enough. The vision you have is life changing to some. There are people who do not have any support but you all helping total strangers is wonderful. You all have made us feel so loved. My boys have been through so much and have never seen mom take such a huge loss going through a divorce. You all have restored our faith and confidence to know and understand that we are not alone. I have a degree of KSU in Human Service and strived to do the work that you provide but I never could land the job. You remind me of the reason I want to assist. Therefore, I would like to maybe volunteer sometimes next year. I’m working towards a car and I can commit to the service better that way. I am going to pay it forward. Thank you again

Ms. Brenda I would love to simply take this time to say thank you so much for EVERYTHING. the smiles on my boys faces this morning made my entire heart smile. !

Thank You Again♥️♥️♥️

You made my children’s Christmas wonderful!!!

I’ve been trying to find the right words to capture my appreciation and gratefulness to you and your organization. After all this time in thought, I can only say thank you and God bless. We were able to have a merry Christmas with the gifts donated. They picked out a few toys from Walmart today, and felt really “big” using their cards at checkout.

In time, I do believe I’ll be back on my feet with a new job and would love to donate at Christmas time to families in need l, if that’s possible.

Again, please accept my heartfelt gratitude.

I just wanted to send you a quick email to thank you for your help this Christmas. The gifts you provided brought such happiness to my children. The world needs more people like you.

Thank you so much for helping my kids there were super super happy thank you

We are overjoyed and blessed to have you make our Christmas Great!

March-April Webinar Schedule

March

March 10th CreativeOne Federal Webinar 6pm

March 11th CreativeOne Federal Webinar 6pm

March 23rd CreativeOne Tax Webinar 12pm and 6pm

March 24th CreativeOne Tax Webinar 6pm

April

April 8th Charleston Federal Webinar 3pm and 6pm

April 10th Charleston Federal Webinar 9am

April 22nd and 24th CreativeOne Federal Webinar 3pm and 6pm

April 24th CreativeOne Federal Webinar 9am

Contact Julie for more information.