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FINANCIAL SERVICES, LLC
616-514-3831
www.MattsonFinancial.com
April 2025
Hidden Treasures: What’s in Your Collection?
Early in my career, an insurance agent brought his father to me to assess his collectibles. His pride and joy was a complete collection of a popular men’s magazine, from the very first issue to the most recent, each pristine and carefully preserved in individual bags. As we discussed the value of his collection, I asked a side question: “Do you have any other collectibles?” He replied no, just some money he had saved over the years — nothing too exciting. With a little more probing, we uncovered a surprising treasure: 72 uncirculated $1,000 bills. He assumed they were worth their face value — $72,000. After selling his magazine collection for a respectable sum, we researched the true worth of his bills. Given their rarity, they were highly sought after. Had he sold all 72 at once, he could have made approximately 2.5 times their face value. Instead, he auctioned them off in small batches, ultimately bringing in over three times the expected amount per bill. In the end, his “savings” turned out to be nearly six times more valuable than his beloved magazine collection. This story highlights an important reality: Collectibles, including currency, can carry surprising value. The IRS includes personal property in estate valuations, and in most cases, heirs receive a step- up in basis upon inheritance. For example, if you purchase stock at $1 and it appreciates to $100 before your passing, your heirs inherit it at the $100 valuation, potentially minimizing capital gains taxes. As you look at your own collections, ask yourself: Is this a hobby or an investment? The difference is significant. Many childhood collectibles — such as toys, certain currencies, jewelry, and watches — have gained value, while others, like wheat pennies and buffalo nickels, remain common and hold little premium. An 1800s silver dollar in good condition can be worth far more than a beautifully packaged modern coin. A few years ago, we invited a grading company from Ohio to a client event where attendees brought their collectible coins and paper money for appraisal. One family brought in a deceased relative’s extensive collection, including a 1974 Kennedy half-dollar and silver certificates. Despite the volume of items, most had no additional value beyond their face amount. A silver dollar was worth just that — a silver dollar — regardless of its elaborate red, white, and
blue presentation box. In many cases, more money was spent on packaging than the actual item’s worth.
When working with clients, especially those liquidating family estates, we often encounter unexpected valuables. One client discovered antique underwear in their grandparent’s home and, after researching the right market, sold them for thousands of dollars. At estate sales, we’ve seen $5 doll dressers sell for $750 and, conversely, valuable brass staircases sell for a mere $90. In the auction world, it often evens out — some items fetch more than expected, while others fall short. Personally, I have several pairs of cufflinks. Most have sentimental value but little financial worth. However, a few are genuine investments, and I want my family to recognize their true value. Without proper knowledge, heirs may unknowingly discard “costume jewelry” that is actually worth thousands. Understanding what you own and its valuation is crucial. Your estate may exceed the IRS tax-free threshold due to high-value collectibles, so consider whether it’s better to sell, donate (for a tax deduction), or educate your heirs. Most executors are children unfamiliar with your passions, and researching values can be time-consuming and costly. One client shared a touching story of an aunt’s teacup and teaspoon collection. After her passing, the family hosted a gathering where each labeled piece was returned to the original gift giver. It was a beautiful moment of reminiscing and storytelling, ensuring the collection’s sentimental value remained intact.
As you assess your own collections, ask yourself three key questions:
1. Did you collect for fun? 2. Is it a hobby or an investment? 3. Are you preparing your family for its future value and management?
A little planning now can prevent confusion later and ensure your treasured items are handled as you intended.
–Gary Mattson
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As we age, life’s demands shift in ways that can heighten anxiety. Many older adults navigate significant changes — increased career demands, aging parents, and chronic health conditions. Hormonal shifts associated with aging, especially among women, can also amplify stress and unease. Common symptoms include irritability and panic, insomnia, trouble with memory and focus, and digestion problems. Fortunately, there are strategies to help you regain control and maintain your well-being. PRACTICE MINDFULNESS AND RELAXATION TECHNIQUES. Mindfulness techniques encourage you to focus on the present moment, which can counteract racing thoughts and reduce feelings of worry. Mindfulness-based practices include meditation, deep breathing, and yoga. Even a few minutes of daily practice can make a big difference. Managing Anxiety in Midlife Simple Solutions for a Calmer Mind
Can you imagine escaping to a tropical island where you can visit a different beach every day for a year without ever seeing the same one twice? It’s not a fantasy. It’s Antigua. Antigua has long been known for its 365 beaches, from Halfmoon Bay’s silvery sands to Galley Bay Beach’s surfing waves. Unique for its history and native crafts, this eastern Caribbean island is rich in recreational and cultural attractions, as well as natural beauty. Christopher Columbus encountered Antigua in 1493, and the British subsequently colonized the island and neighboring Barbuda in the 1600s. Barbuda was originally planned as a slave-breeding colony, but the enslaved people brought to the island rebelled against colonial rule. After years of domination by the United Kingdom, Antigua and Barbuda achieved independence as a single nation in 1981. Although Antigua covers only 108 square miles, it has a rich history and cultural traditions. Nelson’s Dockyard National Park offers archaeological sites and more than 12 miles of hiking trails. The 8th of March Project commemorates the lives of enslaved and free Africans who labored on the docks for centuries. Energetic hikers can make their way up a steep trail to Shirley Heights, 492 feet above sea level, to enjoy a panoramic view across the sea. DISCOVER THE ENDLESS BEACHES AND VIBRANT CULTURE OF ANTIGUA Journey Through Time
Among Antigua’s unique attractions is the centuries-old artisan craft of forming tamarind seeds into jewelry and home decor. The island is also home to one of the rarest fruits in the world, the Antigua black pineapple, which is sweet and delicious sliced fresh or in jelly form. Also, a weekly archaeological tour called “Rum in the Ruins” offers a history of the sugar trade and the island’s famous rum. Antigua’s Summer Carnival is one of the most popular in the world. The celebration began when people took to the streets in 1834 to celebrate the emancipation of enslaved people and independence from England. Visitors to the Carnival today can enjoy wildly colorful costumes and 10 days of music, dancing, and parades. Among the most memorable experiences are steel band competitions playing calypso and soca music.
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Educational Event May 14, 2025, 4:30–6:30 p.m. New Location Kent District Library Kentwood 4950 Breton Rd SE Kentwood, MI 49508 Join us for an informative event covering diverse topics! Learn the basics of cryptocurrency with a “Crypto 101” presentation, explore solo and group travel options for retirees with a local expert, and gain valuable market insights with a LIVE market update. Don’t miss out! Registration is encouraged — RSVP using the QR code below. June Market Commentary June 6, 2025 Released via email Each month, we feature insights from portfolio managers at Gradient Investments who dive into market trends and economic developments. We encourage you to take a few moments and stay informed when it comes to the ever changing financial landscape! Holiday Office Closure June 19, 2025 Our office will be closed for Juneteenth.
STAY PHYSICALLY ACTIVE. Physical activity releases endorphins, which improve mood and reduce stress. Activities like walking, swimming, and tai chi can be ideal for older adults, as they are gentle on the body while providing mental health benefits. Aim for 30 minutes of activity most days of the week. MAINTAIN SOCIAL CONNECTIONS. Strong social ties are one of the most significant predictors of contentment. Reaching out to friends, family, and community groups reduces feelings of isolation and can help manage anxiety. Consider joining a book club, taking a class, or volunteering — these help foster meaningful connections while keeping your mind engaged. SEEK PROFESSIONAL SUPPORT. If anxiety feels unmanageable, speaking with a therapist or counselor can help. Cognitive behavioral therapy is beneficial for anxiety, as it enables you to identify and reframe negative thought patterns. In some cases, a medical provider can prescribe helpful medication. Experiencing anxiety in your 50s and 60s is more common than you think, but it’s also manageable. Taking proactive steps today can lead to a calmer, more confident tomorrow.
Haley’s
KETO LEMON GARLIC BUTTER CHICKEN
This keto-friendly chicken dish is packed with flavor, healthy fats, and protein. It’s the perfect weeknight option for a quick, tasty meal.
Ingredients • 4 chicken thighs, bone-in, skin-on • Salt and pepper, to taste • 2 tbsp olive oil • 2 tbsp unsalted butter • 2 cloves garlic, minced • 1/4 cup low-sodium chicken broth • 2 tbsp heavy cream • 1 lemon, zest and juice • 2 tbsp chopped parsley, for garnish
Directions 1. Preheat oven to 400 F and season chicken with salt and pepper. 2. Heat olive oil in an oven-proof skillet over medium heat. Sear chicken skin- side down until crispy, about 5 minutes. Flip and cook 2 more minutes; remove from skillet and set aside. 3. Melt butter in skillet, then sauté garlic until fragrant. Add broth, cream, lemon juice, and zest. Simmer for 3 minutes. 4. Return chicken to skillet, spoon sauce over, and bake in oven for 15–20 minutes or until cooked through (165 F internal temperature). Garnish with parsley before serving.
Our advising team will be hosting seminars all month long! Scan the QR code to view those dates and locations.
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PRST STD US POSTAGE PAID BOISE, ID PERMIT 411
FINANCIAL SERVICES, LLC
106.9 FM and 1300 AM Saturdays from 10–11 a.m. Sundays from 11 a.m.—12 p.m.
3226 28th Street SE Kentwood, MI 49512
INSIDE THIS ISSUE
1
The Fine Line Between Hobby and Investment
2
Your Guide to Conquer Anxiety
Escape to Paradise: Savoring the Beauty and History of Antigua
3
Keto Lemon Garlic Butter Chicken
Upcoming Events
4
Mastering the Art of Nature Photography
Investment advisory services offered through Mattson Financial Services, LLC, an SEC-Registered Investment Advisor. Insurance and annuities offered through Lakeview Financial Group, LLC. Mattson Financial Services, LLC and Lakeview Financial Group, LLC are affiliated companies. Reminder: If you have any changes to your financial situation, please notify us as soon as possible. For distribution requests, please provide at least one week’s notice to allow time for placing trades and raising cash.
Capture Nature’s Beauty Like a Pro QUICK TIPS FOR BETTER OUTDOOR PHOTOS
Nature photography offers a great way to get outside and capture the beauty of the natural world. Whether you’re new to this hobby or have been snapping photos for years, you can always enhance your skills with these four tips for producing compelling outdoor photos. PLAN AHEAD Before heading outside with your camera and other gear, research your chosen location and the subject you aim to photograph. Understanding the local wildlife, plant life, and weather conditions can inform your equipment selection. Timing is also key. Early morning and late afternoon, known as the “golden hours,” offer soft, diffused light that enhances natural scenes.
MASTER YOUR EQUIPMENT Be sure to familiarize yourself with your camera’s settings. Some of the most important include aperture, shutter speed, and ISO, which control exposure and depth of field. For instance, a wide aperture (low f-stop) can help create a shallow depth of field and isolate your subject from the background, which is particularly effective for wildlife photography. Conversely, a narrow aperture (high f-stop) is ideal for landscape shots because it increases the depth of field and helps keep more of the scene in focus. CONSIDER COMPOSITION In photography, composition is key. When taking nature photographs, apply compositional rules such as the rule of thirds (placing subjects off-center), leading lines (guiding the
eye with pathways or rivers), and framing (using natural elements to highlight the subject). Experimenting with different perspectives and angles can also add depth to your photos. BE RESPECTFUL Whenever you’re out in the field, respect the environment by following local guidelines, maintaining a safe distance from wildlife, and minimizing your impact on natural habitats. Always stay on designated paths and never remove any natural objects. Following a few simple rules protects wildlife and the landscape and maintains the integrity of your photography. With these tips in mind, you’re ready to enjoy the outdoors while capturing images that reflect the beauty of the natural world.
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