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B & A BULLETIN Q4 2024
Autumn Adventures Await Kick Off Fall With Orchards, Touchdowns, and More!
Fall is a magical time when the trees turn from their usual green hues to red, yellow, and orange shades. The weather starts to cool down now that we’ve officially left summer and have a couple of months before winter’s chill sets in. This is the season of apple picking, hiking, and all things pumpkin, and we have plenty of excitement in our community we should all try to take advantage of. Whether we’re trying to give the kids a break from their weekly routines or want to find something fun for the entire family, the fall season comes packed with exciting indoor and outdoor activities. Not sure where to begin? Don’t worry! I’ve gathered some of my favorite fall events, activities, and adventures, sure to keep your family busy and smiling! Head to an orchard. Does anything scream fall more than apple picking and enjoying fresh apple cider from an orchard or cider mill? The first bite of a fresh apple will send you back to your childhood if you enjoyed similar activities with your parents. Whether you just want to kill a couple of hours or need an all-day adventure, heading to an apple orchard will surely put you in a great mood and meet your needs. Some orchards even have other activities perfect for fall, like pumpkin patches, petting zoos, and corn mazes. Your kids will love spending a fall day at an orchard. It’s also an excellent place for a date, whether it’s the first in a budding romance or the 500th between a loving couple. Are you ready for some football? The college and professional football seasons are now underway, and October is the best month for tailgating. If you have tickets to an upcoming game, consider loading your car with food and
drinks and heading to the stadium for a tailgate party. You can bring classic tailgating games like cornhole and horseshoes, just toss around the football, or walk around the area and take in all the sights and sounds. If you’re not into football, you could also tailgate hockey and basketball games, as the NHL and NBA seasons start this month. However, the tailgating scene at these games will likely be less exciting than at football games. Create some fall classics in the kitchen. Fall is the season of comfort food, so now is your chance to get in the kitchen and cook some of your favorite fall foods. Bake some delicious desserts like pumpkin or apple pie, or if you’re adventurous, try making apple cider doughnuts. Soups, stews, chili, and baked pasta also seem to taste better when we make them in the fall. You can even get the kids involved to make it a family affair. If you have a favorite fall recipe, I’d love to hear about it! Prepare for Halloween! It’s the spooky season, and nobody would blame you for getting into the Halloween spirit. Whether you want to feel the bone-chilling scares of a haunted house, get artistic while carving pumpkins, or decorate the house so you’re the talk of the neighborhood, there’s no wrong way to prepare for the year’s scariest day! I love fall because there’s so much to do that the entire family will enjoy. I hope you and your loved ones have a happy and safe fall season!
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Superfoods for More Radiant Skin People have employed lasers, chemical peels, injections, and facelifts in the war against aging skin. While these more extreme measures can be temporarily effective, they can be hard on the wallet and much more cumbersome than natural remedies. Another tool in our arsenal against the effects of aging is our diet. Since our skin ages more like milk than wine, it only makes sense that we eat more fruit (as well as herbs and vegetables). Here are four skin care superfoods that can boost skin health! improve the texture and radiance of your skin. I guess it’s time to give in to the dark side! Kale It won’t kill you to eat kale. In fact, kale is one of the most nutritious foods out there! Best of all, it is full of
antioxidants and vitamins to make your body’s biggest organ (your skin) look new again! If you have an aversion to eating greens, you should know that kale also comes in purple varieties.
Blueberries One key ingredient to healthy skin is
antioxidants, which help protect skin cells from aging and can even help minimize wrinkles. Fortunately, blueberries are full of antioxidants, such as anthocyanins and flavonoids. They also
Thyme Everyone has heard of herbal remedies, and one herb in particular has some proven benefits for rejuvenating
contain a healthy amount of vitamin C, which has been proven to improve skin firmness.
skin. According to research published in the scientific journal Nutrients, thyme is full of antioxidants, minerals, and vitamins that can help contribute to healthier, smoother skin.
Dark Chocolate Who knew delicious desserts could contribute to healthier skin? Unlike milk chocolate, dark chocolate contains antioxidants, vitamins, and minerals that help
The Importance of Professional Guidance Given the complexities of trust administration, many individuals and families choose to work with experienced professionals, such as estate planning attorneys and financial advisors. These experts can provide invaluable guidance on the legal and financial tenets of trust management, from drafting the trust document to ensuring ongoing compliance with state and federal regulations. Trust administrators play a vital role in preserving and transferring assets for future generations. By understanding the responsibilities, rights, and best practices associated with trust administration, you can help ensure your family’s financial security and honor the intentions of the trust’s creator. Whether you’re a trustee, beneficiary, or simply seeking to learn more, exploring the world of trust administration with the team at Bott & Associates, Ltd. is a worthwhile endeavor that can have a lasting impact on your family’s financial future.
institution entrusted with managing the trust’s assets and ensuring the grantor’s wishes are carried out. As a fiduciary, the trustee has a legal and ethical obligation to act in the best interests of the trust and its beneficiaries. This includes prudently investing the trust’s assets, maintaining detailed records, filing necessary tax returns, and regularly communicating with beneficiaries. Failure to uphold these fiduciary duties can have serious legal and financial consequences. Beneficiary Rights and Protections On the other side of the trust administration equation are the beneficiaries — those who stand to inherit the trust’s assets. Beneficiaries have certain rights that must be respected, including the right to receive accurate and timely information about the trust’s management and performance. They can also take legal action if they believe the trustee is mismanaging the trust or not acting in their best interests. Beneficiaries must understand these rights.
When it comes to managing wealth and assets for the long term, many individuals and families turn to the power of trusts. But trust administration is no simple feat — it requires expertise, diligence, and a keen understanding of the legal and financial responsibilities involved. Whether you’re a trustee tasked with overseeing a trust or a beneficiary seeking to ensure your interests are protected, it’s crucial to grasp the intricacies of this complex process. The Trustee’s Duties: Upholding Fiduciary Responsibilities At the heart of trust administration lies the trustee — the individual or Expert Insights Master the Art of Trust Administration
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KEEPING YOUR TRUST FUNDED STRATEGIES FOR LONG-TERM SUCCESS
Ongoing Maintenance: Keeping Your Trust Funded Trust funding is not a one-time event — it requires ongoing maintenance. This includes adding new assets as they are acquired, updating titling as life circumstances change, and regularly reviewing the trust’s holdings to identify any gaps or vulnerabilities. Neglecting this aspect of trust administration can jeopardize the trust’s effectiveness and leave your wealth exposed. Funding Special Circumstances: Navigating Complex Scenarios In some cases, funding a trust may involve more nuanced considerations, such as dealing with illiquid assets, managing business interests, or incorporating life insurance policies. These complex scenarios require specialized expertise to ensure the trust is properly structured and funded to address your unique needs. Collaborating with experienced professionals can help you overcome these challenges and craft a comprehensive plan to safeguard your wealth. As you embark on the journey of trust creation and funding, remember that your financial legacy is in your hands. By taking the time to understand the process and working with the knowledgeable experts at Bott & Associates, Ltd., you can rest assured your wealth and assets will be protected for generations to come. Secure your family’s future — start funding your trust today.
Creating a trust is an important step in securing your family’s financial future, but the work doesn’t stop there. Properly funding your trust is crucial to ensuring
your wealth and assets are protected
according to your wishes. Whether you’re establishing a new trust or managing an existing one, understanding trust funding is paramount. Transferring Assets: The Foundation of Trust Funding At the heart of trust funding lies the transfer of assets — from bank accounts and real estate to investments and business interests. This process involves retitling or retransferring ownership of these assets into the name of the trust. Without this crucial step, the trust itself has no funding and won’t function as intended. Expert guidance from estate planning attorneys and financial advisors can help ensure this process is carried out smoothly and compliantly.
Peace of Mind Scholarship Winner
Register Now for Our Upcoming Estate Planning Webinar! Protecting Your Family & Leaving a Legacy Oct. 15, 2024 1 p.m. ET via Zoom To register, scan the QR code or send us an email at info@bottestateplanning.com for a registration link. SCAN TO REGISTER
The dedicated team at Bott & Associates, Ltd. works hard to provide individuals, parents, spouses, and families with peace of mind regarding the future of their estates. To encourage others to pursue similar goals, we have established the Bott & Associates, Ltd. Peace of Mind Scholarship. We believe that by helping a student interested in aiding others in meaningful ways, we can contribute to building a better world and a more promising future. We are thrilled to announce this year’s winner, Kaylin, a nursing student with a passion for pursuing a career in nursing to assist others in times of need and positively contribute to their peace of mind. Congratulations, Kaylin! Your Bott & Associates, Ltd. family is proud of you!
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1 • Your Ultimate Fall Adventure Awaits! 2 • A Diet for Healthier Skin • Navigating the Complex World of Trust Administration 3 • Ensure Your Wealth Is Safeguarded for the Future • Peace of Mind Scholarship Winner • Register for Our Upcoming Webinar 4 • Life Hacks to Transform Your Kitchen Inside This Issue
Upgrade Your Routine MUST-TRY KITCHEN LIFE HACKS
Avoid ingredients sticking with a clever trick. Are you ever frustrated by ingredients like honey or corn syrup sticking to your measuring spoons? If you’re making a recipe that involves dry ingredients like flour or sugar,
In our fast-paced world, everyone is searching for clever solutions to everyday problems. Luckily, the internet is a treasure trove of practical, time-saving “life hacks” that will revolutionize how we approach our daily routines. For those looking to get ahead in their kitchen, these ingenious tips and tricks are for you. Tongs are a great tool to juice lemons. Are you tired of wrestling with slippery citrus fruits and struggling to extract every last drop of juice? Try using a pair of tongs instead of a hand juicer. The rigid structure allows you to apply far more pressure than your bare hands, making juicing a breeze. Keep pantry moths at bay — with bay! Dealing with persistent pantry pests? Ditch the harsh chemicals and take advantage of the power of nature. Simply place a few bay leaves in your kitchen cupboards and drawers, and their aromatic compounds will act as a natural deterrent, keeping the moths away.
make an impression with the bottom of the measuring spoon in the dry ingredients in your mixing bowl. The indentation will be about the same size as the measuring spoon, so you can add the right amount of your sticky ingredient directly to the bowl! If your recipe does not call for dry ingredients, you can coat your measuring spoons (or cups) with cooking spray before measuring out any sticky ingredients. Revive towels with a sprinkle of baking soda. Getting your kitchen towels clean and fresh just got a whole lot easier. Sprinkle a bit of baking soda on your linens before tossing them in the wash, and watch as it works its magic, absorbing odors and leaving your towels feeling soft and revitalized.
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