Capital Advisory Group June 2018


119 Old State Rd., Ellisville, MO 63021

JUNE 2018


When you’re a kid, once you’re released from school for the summer, life becomes all about

From certain vantage points in town, you can see four or five displays going off at the same time — it’s incredible! Bluebird Park, Ballwin, and many other spots around St. Louis have their own show going on, and it’s a great way to spend the holiday. We celebrate our independence with the people we love and are reminded of how fortunate we are to call this place home. Speaking of feeling fortunate, we’re feeling just that after spending a day with the folks

goofing off for hours on end with your friends and being outside as much as possible. Getting into trouble is, of course, part of the equation — usually by playing harmless tricks on each other. When I was growing up, we rode our bikes everywhere, and if we weren’t on our bikes, we were running around from one place to the next, causing some type of mayhem. We often rode our bikes to the pool to cool off on a hot day. We’d pedal there and back, and despite the cool water we swam in, you’d get hotter during the sunny ride back than you were on the way there. Missouri humidity is no joke. Camping was also something we did a lot of when we were younger. We goofed around, swam, fished, and hiked in the great outdoors. It was fun to spend time as a family and get out in nature. These days, my summers are a bit tamer. I look forward to getting outside to enjoy the weather and work on my golf game, and we usually plan a trip to see another part of the United States.The Fourth of July is a big summer highlight for us.

success, for the trees saved and the great interactions we had that day. We look forward to hosting it again next year. For now, enjoy these relaxing summer days in whatever fashion you prefer — playing golf, hanging by the pool, or simply sitting on the porch with an iced tea in hand.

who came out to our Shred Day! Thank you to everyone who came and brought their outdated documents. Together, by allowing our documents to be recycled, we saved 20 trees! That’s pretty great, isn’t it? You can feel good knowing that instead of taking up space in your closet, that paper was securely disposed of and recycled by a great local shred company. Capital Advisory Group and Mother Earth thank you. Wasn’t it great to be part of the fun? We’d call that a

-Jeff Zufall

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In the summer, we all slow down a bit with the warmer air and fewer activities on our agenda. Sometimes, it just gets too hot to hang out outside. Are you wondering what to do with all that indoor time? How about getting all those documents organized? If spring is for cleaning, then summer is for organizing everything we didn’t already toss out. Organizing during this mid-year period of the tax cycle can save you hours down the road. Here are some guidelines for how to organize. INDIVIDUAL DOCUMENTS The IRS recommends that you keep supportive documents for at least three years after your return has been filed.This can include bills, credit cards, invoices, proof of payment, or proof of donations.The three-year guideline also applies to property that you’ve sold in the last three years.This may include home purchase and home improvement, stocks, investments, and IRA transactions. BUSINESS OWNERS For business owners, you’ll want to keep all of your employment tax records for at least four years after the tax is due or is paid — whichever comes later. You’ll also want to hang onto records relating to gross receipts, expenses, assets, and proof of purchases.These may include receipt books, invoices, cash register tape, and sales slips.The records can also extend to databases, saved files, and emails. BUTWHERE TO PUT IT? Dedicate a portion of a closet or invest in a small file cabinet to store your tax-related documents. Use labeled hanging files organized by year and category to make it easy to find. If you ever do receive a notice from the IRS, you’ll be able to respond quickly knowing exactly where to access the information. Once the suggested timeline is up on those documents, you may want to shred them to ensure your personal information is kept secure. Tax Organization Made Easy HOW TO MAKE THE MOST OF YOUR SUMMER

A cohesive vision for the future is central to any thriving company; it’s the road map by which you and your team steer the business to success. But a set of lofty goals isn’t quite enough to motivate and unify an organization. It’s important to have an overarching aim for the coming years, but you also need to provide some guidance on how your business should conduct itself today . You need core values that encourage a certain spirit for your team and hold them to a high standard of excellence. To build a set of core values that’s unique and valuable to your business, you must first decide whose input you want during the process.This should be a panel of the key players in your business and employees skilled at providing new and powerful ideas. Ensure that each of the members of your think tank embodies the qualities you want to see throughout your organization. Next, get everyone in a room to start brainstorming. Set a date for a meeting and encourage everyone to come prepared with a list of values they feel are the most important for your business. Ask your think tank which values are central to them as individuals and expand that to include values that are vital to your entire company. After you’ve got Establish the Guiding Heart of Your Business 3 KEYS TO MAKING CORE VALUES COUNT

a healthy list of good ideas, combine and

define them. Look for commonalities. It’s likely that many of them will orbit just a few key principles. After a bit of pruning and rewording, these principles become your core values.

Once you’ve got your set of 5–10 main ideas, outline exactly what each of them means in a few sentences or a paragraph. You may want a skilled writer on board during this step to nail down a set of clear and compelling definitions. The process may be difficult, but once you’re done, you and your team will have a set of powerful, unifying core values. These will state your company’s purpose and drive your team to excellence. Core values may seem like a small consideration in the midst of day-to-day operations, but they can make an enormous difference.



A re you Team RV or Team Tent? Die-hard tent campers swear you’re not “roughing it” unless you sleep on the ground with nothing but canvas and the stars above you. On the other hand, RV lovers will point out that there’s nothing heroic about freezing to death at night (or going to the woods without a TV). Neither camping method is better than the other, but each has its pros and cons. Tent camping is generally the less expensive option; two-person tents start at $40.The price of an RV can range up to $50,000 or more. Site fees for tents are also cheaper (or free) because they’re smaller and don’t require electricity or septic tank services. You just need a flat spot for your gear. A folded tent will fit into nearly any vehicle, and you can stow it in a closet when you get home. An RV will require dedicated parking space between trips.

When it comes to comfort, RVs have it made. Air mattresses or foam sleeping mats are never going to be as comfortable as a real bed. RVs are also able to provide electricity, which gives you air conditioning, a stove, and a hot shower. And let’s not forget about private flushable toilets. An RV is also a must when camping in bear country. Some areas require campers to use hard-sided shelters for safety reasons. For many people, camping promises an escape from the business of modern life.

If you really want to get away from it all and immerse yourself in nature, there’s no substitute for tent camping. An RV is like a miniature portable house. You can bring the comfort of your home with you, but you might not feel as close to nature. It all boils down to preference. You may be someone who enjoys being surrounded by nature in a tent, or you may prefer to have a toilet that flushes. Whichever camping experience you choose, remember to enjoy yourself and relax!


• 1 1/2 sticks unsalted butter • 1 1/2 ounces store-bought waffle cones, lightly crushed • 1 1/2 cups oats • 2 tablespoons all-purpose flour • 1 teaspoon kosher salt • 3/4 cup light brown sugar, packed

• 1 large egg yolk • 2 teaspoons vanilla extract • 4 pints ice cream (any flavor)


1. Heat oven to 350 F.While oven is heating, cook butter in saucepan over medium heat until browned, 5–8 minutes. Scrape browned butter into a heatproof measuring glass. 2. Pulse waffle cones, oats, flour, and salt in a food processor or blender. Once cones are finely ground, add brown sugar and pulse again. 3. Whisk egg yolk, vanilla, and 2 tablespoons water in a small bowl. 4. Add egg mixture to food processor while spinning on low. Once integrated, slowly add browned butter; blend until dough forms a solid mass around blades. 5. Form dough into 26 balls and place 2 inches apart on a parchment-lined baking sheet. Flatten balls and bake 12–15 minutes or until edges begin to brown. 6. Let cool, then spread ice cream between cookies to make sandwiches. 7. Freeze for up to 5 days — or enjoy today!


(636) 394-5524

119 Old State Rd. Ellisville, MO 63021


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Summer in St. Louis

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Core Values Are Vital — But How Do You Create Them?

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Clear It Up in the Summer

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RV vs. Tent Camping

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Oatmeal Cookie Ice Cream Sandwiches

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St. Louis Local Events

MEET ME IN ST. LOUIS Check out some of these local events going on

St. Louis June Events Celebrate Theater, Survivors, and Music

RACE FORTHE CURE When: June 9 Where: St. Louis

in St. Louis to kick off the summer fun! 100 YEARS OF MUNY: MEMORIES AND SHOWS When: Dates throughout the summer Where: Forest Park and The Missouri History Museum

Most of us have known someone affected by breast cancer or have been affected by it ourselves.The Susan G. Komen foundation recognizes survivors, thrivers, those currently in treatment, co-survivors, and caregivers through its nationwide event, Race for the Cure. Be part of the cause at the run here in St. Louis.This year will mark the race’s 20th year running. Register at FAUST PARK When: Begins June 5, continues on Tuesday evenings throughout the summer Where: Faust Park For a fun, family-friendly, and free event, head to Faust Park Amphitheater on a Tuesday evening.Throughout the summer, the Chesterfield Chamber of Commerce and St. Louis County Parks put on free concerts and family activities for everyone. Enjoy the entertainment and grab food from the local food trucks that park at the venue. You can also bring your own seating and refreshments. Gates open at 5:30 p.m.

For the past 100 years, MUNY has enriched the lives of many a St. Louis resident.The nonprofit has carried out its mission to “enrich lives by producing exceptional musical theatre, accessible to all” by putting on events in Forest Park all these years, and you can enjoy them throughout the summer. Beginning with “Jerome Robbins’ Broadway” on June 11, the musicals continue throughout the summer, with “Annie” in July and “Meet Me in St. Louis” in August. The celebration doesn’t stop at the park, either.The Missouri History Museum also features a special exhibit dedicated to Muny, aptly called “The Muny Memories.” Get a behind-the- scenes view of the theater through this unique look into some St. Louis history.


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