CD Financial May 2019

Give us a call! 949.359.5100

MAY 2019



30270 Rancho Viejo Road Suite D San Juan Capistrano, CA 92675

You Can’t Retire to Nothing


I absolutely love the outdoors. As Pacific Coasters, we have the ocean on one side and the mountains on the other. Just a few weeks ago, my wife and eldest son took a sunset walk with me at Strands Beach. It’s an epic beach, nearly a mile long, level and straight with cliffs high above. The feeling that comes with the dimming light, the misty air, and the crashing waves is hard to put in words, but it is a beautiful feeling. Mountain hikes are just as fulfilling. Yosemite is one of my favorite places. Climbing steadily up to Yosemite Falls, heart rate racing and breathing heavy, I feel alive. The view of the falls and valley below, the sunlight casting shadows across the granite faces, and the smell of pine and redwoods in the air — everything is simply breathtaking. There’s a sense of fulfillment outside of our working lives that’s becoming more elusive in the modern world. Showing an interest in others is an important way I find meaning. I find more happiness in giving than receiving, so I try to be uplifting through the congregation I belong to. We all seem to be needing some encouraging words these days. Often, a few kind words can keep you thriving. Through the years, thoughtful words have helped me be a better father, husband, and even business owner. They’ve helped me stretch to new goals I would not have set or achieved “Where do you find fulfillment outside of work? If you can’t answer that question confidently, I hope you’ll take some time to think about it soon.”

otherwise. The time I spend with others brings me closer to them, helps me develop compassion and patience, and brings added meaning to my life.

These things are what keep me chugging along, and it’s my intention to never retire from them. When I converse with my clients, one of their chief concerns is reliable retirement income. Sometimes, what they’ll be retiring to, and not from, gets overlooked. Many folks become engrossed in their careers and employment. Their professional environment provides structure, community, and a reason to get up in the morning. When that goes away, it can be challenging for some to figure out what’s next. When someone retires with no goals or purpose, retirement can be all too short. So I ask you: Where do you find fulfillment outside of work? If you can’t answer that question confidently, I hope you’ll take some time to think about it soon. We need forums to expend our energy, stimulate our minds, and invest our time. I can’t tell you where and how you’ll find these things because the answer is different for everybody, but I can say without reservation that you’ll profit greatly, in a way that can’t be measured in numbers, when you find them. Our lives continue after our careers, and they continue for quite a long time if we’re fortunate. Yes, prudently planning for a secure retirement is essential. But what is that planning worth if you don’t have an idea for how you’ll enjoy your post-work years? Those retirement years just might be the most fulfilling ones you’ll experience yet.

We’re looking forward to hearing about what you’re planning in the next chapter of your life!

–Charles Dzama


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PROM SAFETY 4 Tips to Keep Your Child Safe

Seeing gorgeous dresses, fancy suits, corsages, and boutonnieres pop up in advertisements can only mean one thing: Prom season is here! This time of year, teens are busy choosing the perfect dress or suit to wear, finding a date, making dinner reservations, and preparing for an evening of fun and dance. During this exciting time, give your teens a little encouragement and guidance to ensure they have a safe and memorable evening.

Long before the invention of radios and cellphones, homing pigeons were used to sendmessages as early as the sixth century. DuringWorldWar I, war pigeons carried lifesavingmessages past enemy lines for the American and French armies, often being wounded in the process. In 1918, Cher Ami, a black check hen used by the U.S. Signal Corps, became the most famous of them all. On Oct. 2, the United States 77th Infantry Division was trapped behind enemy lines in the Argonne Forest during the Meuse-Argonne Offensive, a three- month push by the Allies during the final throes ofWorldWar I to force the Germans to surrender. It became the bloodiest battle in U.S. history. For six days, the encircled division endured relentless attacks and suffered heavy casualties, but their orders were clear: Don’t retreat and don’t surrender. The division dispatched two homing pigeons with requests for help, but both birds were shot down. When friendly fire began raining down on the 77th, Major CharlesWhiteWhittlesey felt he had no choice but to send the last pigeon, Cher Ami. The pigeon’s desperate note read: BRAVE LITTLE CHER AMI The War Pigeon Who Saved the ‘Lost Battalion’ As Cher Ami rose from the brush, she was shot down, to the despair of the watching soldiers. However, after a few seconds, she fought her way back into the air, flew through a torrent of gunfire, andmade it to division headquarters 25 miles away. She had been shot in the breast, the eye, and the leg. Because of Cher Ami’s brave flight, 194 of the original 554 men of the 77th Infantry Division survived the battle. One month later, WorldWar I came to an end. Cher Ami survived the war as well, thanks to the surgeons who performed emergency surgery on her. One soldier even carved her a little wooden leg. She became a well-known hero to both soldiers and children in the States. For her service inVerdun, the French Army awarded her the Croix de Guerre, and she was inducted into the Racing Pigeon Hall of Fame. Cher Ami finally succumbed to her wounds in June of 1919 and is now on display in the Smithsonian alongside Sergeant Stubby, a terrier who served 18 months on theWestern Front. “We are along the road parallel to 276.4. Our own artillery is dropping a barrage directly on us. For heaven’s sake, stop it.”


Create a plan for prom night, and make sure everyone knows what it is. Your teen should know and communicate with you what time the dance starts, what time it ends, if they’re going anywhere after, and when they’ll be coming home.


Make sure your teen’s phone is completely charged in case they need to reach out to you sometime during the night. Encourage your teen to check in once every few hours, and establish an emergency code to use if they find themselves in trouble.


You and your teen should also have a plan about the modes of transportation, who’s driving, and how many people your teen is going with. Trusting the driver is important. If you’re hesitant about letting your child be driven to prom, find another way. If your teen is driving the family car, confirm that they will be the only person driving the vehicle.


Make sure your teen is dressed comfortably and appropriately to ensure they have a fun night without any accidents.

Encourage them to wear comfortable shoes that

they can walk and dance in without pain. High heels are fashionable, but they shouldn’t

wear heels so high that they may fall and hurt themselves. Whatever your teen decides to wear should be comfortable and hemmed to the appropriate length based on their height.

By keeping these safety measures in mind, your teen will have a wonderful and safe evening!

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LEARNING TO BE GRATEFUL Some Ways to Help Children Appreciate Their Teachers


Teacher Appreciation Week runs from May 6–10 this year, and there are plenty of ways students of all ages can thank their educators for everything they do. Being a teacher isn’t an easy job, and the people who make it their profession are passionate about helping kids learn. Depending on how old your child is, they may need a parent’s help in showing their appreciation. Here are a few ways parents and children can appreciate teachers together.

Many teachers use their own money to buy school supplies for their classroom. This is just one of the ways teachers go above and beyond on a daily basis, and buying some extra school supplies can help ease that cost. Take your child shopping with you and help them pick out supplies that you know their teacher will appreciate.


This gesture is simple and sweet and can be very thoughtful. Telling a teacher what makes them outstanding can often be just as valuable as a gift. Help your child write an appreciative note and then write one yourself. Teachers often have to maintain the happiness of students, administrators, and parents. Your card could relieve some of the stress of that balancing act and let them know that you acknowledge their efforts.


Making a homemade meal (or dessert) shows teachers that you went the extra mile to appreciate their hard work. You could make a favorite dish of yours or try to find a new recipe online. Either way, encourage your child to help you with the process so that the meal is truly a gift from both of you.

Your children spend several hours a day with their teachers, so fostering relationships with them is vital. Use this day to help your children understand the importance of teachers, to teach them the power of gratitude, and to encourage them to show respect for everyone who helps them in life.



Inspired by


3 large eggs

Kosher salt and freshly ground pepper

1 tablespoon unsalted butter


1. In medium bowl, beat eggs with plastic fork until last traces of white are just mixed in. Season with salt and pepper. 2. In an 8-inch nonstick skillet, melt butter, swirling over medium heat until foamy but not browned. Add eggs, stirring rapidly with fork, while moving skillet to agitate eggs. Break up all curds by scraping bottom of skillet as they form. Stop stirring when eggs are softly scrambled and creamy (but loose enough to come together into a single mass), 1–2 minutes. 3. Using fork, gently spread egg in an even layer around skillet and scrape down any wispy bits around the edges. The top surface should be loose and creamy, but if still liquid, swirl skillet to bring raw egg to the edge where it will set faster. 4. Remove from heat. Tilt skillet up by handle. Using fork, gently roll omelet down over itself until nearly folded in half. Using fork, push omelet to edge of skillet so that the lower edge of egg just begins to overhang. Use fork to fold overhanging edge of egg back over, closing omelet. 5. Turn omelet out onto plate. It should have the seam on bottom.

Solution on Page 4


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INSIDE 1 30270 Rancho Viejo Road Suite D San Juan Capistrano, CA 92675

Where Do You Find Fulfillment?


The War Pigeon Who Saved the ‘Lost Battalion’

Prom Safety Tips


Teacher Appreciation Week Is Here!

Classic French Omelet


Black Gold


National Learn About Composting Day!

Most people have heard of composting one way or another. Your mom might have kept a bin in the backyard for overripe Halloween pumpkins, yard clippings, and egg shells. You might even have a coworker who boasts about the giant compost pile they use to fertilize their garden and lawn.

vegetable scraps; paper products, including receipts, paper towels, and tissues; and wood chips, leaves, and other types of waste that are not categorized as processed food, meats, or fish products in their compost bin. Compost can stabilize gardening soil, keep the soil from contracting diseases, and help the ground retain moisture. WHY DOWE COMPOST? Besides giving gardens and lawns significant nutrients, composting also reduces landfills. According to the United States EPA, “Food scraps and yard waste together currently make up about 30 percent of what we throw away.”Organic material often takes longer to decompose in a landfill due to being wrapped in plastic. The more organic material that is composted, the quicker it can deteriorate. LEARN ABOUT COMPOSTING DAY The best way to recognize this holiday is to learn as much as you can about composting. When you dive in, you’ll discover you can compost materials you never knew you could, including latex balloons and cardboard egg cartons. Once you do your research, you can start your very own compost by dedicating a part of your backyard to disposing of organic matter or by purchasing a compost bin. This article covers the basics of composting, but there’s still plenty more to learn! Head to your local farmers market or botanical garden and talk to the experts about any questions you have — they’ll be sure to give you some great tips.

Whatever your level of composting knowledge may be, there is always more to learn about this popular and extremely beneficial method for handling organic food waste. Luckily, May 29 is National Learn About Composting Day! This day provides a great opportunity to introduce yourself to and begin the conversation about composting if you haven’t already. Below are a few answers to your basic composting questions to get you started. WHAT IS COMPOST? Compost is decomposed organic matter, which is especially good for people who have gardens or aspire to live a sustainable lifestyle. People put coffee grounds;

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