Keystone Law Firm December 2019

Trust Matters DECEMBER 2019


Favorite Traditions What Makes It Christmas at Our House

I’m not going to lie. One of the things that has me most excited for the holidays is all the baked goods. Every year, my wife, her mother, and now our daughters get together and bake up a storm! They’ll go to the store and get a truck load of ingredients and proceed to make them into every kind of seasonal dessert known to man. Unfortunately, they then put them in boxes and give them away before I can eat my fill. That’s just who my wife is though: the Queen of Christmas. She gets so much joy out of giving people gifts no matter what time of year it is, so this time of year is really her time to shine. From giving away her baked creations to finding the perfect presents for the kids, her face absolutely lights up when delivering that kind of happiness. She also takes charge of the decorations during the holidays, and she goes all out. We don’t just hang up some stockings and a tree and call it a day — we really do deck the halls. Every year, all our normal interior decorations go into storage to be swapped out with their Christmas counterparts. It’s a lot of moving boxes to and from the garage, and I’m the guy who has to do all the heavy lifting. But it’s a small price to pay considering she takes care of all the Christmas shopping. Of course, this year is going to have more box moving than usual. As I mentioned in the last edition, it looks like we’ll be moving into our new home just in time for the holidays. At the time of writing, we still don’t have a definitive date set, and that song“I’ll Be Home for Christmas”is beginning to take on special meaning. So, it’s likely we won’t have many decorations up this year, but I do have high hopes for December 2020. You see, while my wife handles the indoors, I’ve always been in charge of the outdoor decorations. The only problem is our current house doesn’t exactly have a great front lawn space for some serious light displays. That’s changing with our new house, and I’m planning on doing a Chevy Chase- level of decoration next year —hopefully without all the painful mishaps. That brings me to one of my other favorite traditions. As a family, we watch “Christmas Vacation”probably a dozen times before the season is over. It’s getting to the point I can probably quote the filmword for word. Sometimes if the kids get their way, we’ll also have a few screenings of“Elf”just to mix things up. However, one tradition will sadly be fading from our home in the coming years. Last year our youngest figured out the whole Santa Claus thing, but for now, my wife and I are still keeping up appearances. We don’t let the kids see their gifts until the day itself, which still gives them plenty of anticipation

and excitement. I’m sure some time soon we’ll stop doing it, but my wife and I still get plenty of joy from hiding away the presents and getting them all set up before Christmas morning. But Santa or no Santa , new house or old, decorations or no decorations — these are just window dressing for the real spirit of the season. Remember what Linus reminds us in“A Charlie Brown Christmas.” “And there were in the same country shepherds abiding in the field, keeping watch over their flock by night. And, lo, the angel of the Lord came upon them, and the glory of the Lord shone round about them: and they were sore afraid. And the angel said unto them, Fear not: for, behold, I bring you good tidings of great joy, which shall be to all people. For unto you is born this day in the city of David a Savior, which is Christ the Lord. And this [shall be] a sign unto you; Ye shall find the babe wrapped in swaddling clothes, lying in amanger.

And suddenly there was with the angel a multitude of the heavenly host praising God, and saying, Glory to God in the highest, and on earth peace, good will towardmen. That’s what Christmas is all about, Charlie Brown.”

-Francisco | 1

There’s No Expiration Date on Entrepreneurship THE JOYS OF STARTING A BUSINESS AFTER YOU ‘RETIRE’

As a nation, America is getting older. By 2030, 20% of Americans will be 65 or older. With people living longer than ever before and the baby boomers approaching retirement age en masse, older adults will continue to have a massive impact on the American economy at large. Normally, we think of seniors as people who cash in on the hard work they’ve already accomplished. Many young people even worry Social Security will be wiped out by the time they reach retirement age. But who’s to say older adults can’t contribute to the economy? If you’ve ever tried to change jobs late in your career or pick up some part-time work after retirement, you know it’s hard to be hired as a senior. Quartz recently called seniors “the economy’s most underused natural resource.” Until more employers understand the value and potential of older workers, entrepreneurship remains the most viable avenue for seniors wanting to work after their primary career has ended. There are a number of reasons why seniors find creating their own business to be rewarding and why they tend to succeed when they do. Unlike younger people, who often become business owners in an attempt to make a fortune, older entrepreneurs can be content with small, sustainable micro-businesses. They also approach their businesses with a wealth of experience that can’t be purchased. As a result, 70% of ventures founded by older entrepreneurs are still open five years later, more than double the rate of the general population.

With so much potential to be found in senior-run businesses, it’s no surprise that organizations are rushing to empower older adults with the tools they need to succeed. Senior Planet, a coworking space for seniors with outposts nationwide, teaches classes on skills like website creation in a space that makes older learners feel welcome and comfortable. On top of being an important economic driver, entrepreneurship can be a wonderful way for seniors to generate meaning and value in their lives. It’s never too late to start the business of your dreams.

Royal Rinks CURLING ATHLETES EVERY FAN SHOULD KNOW Every four years, as some of the world’s best Olympic athletes battle for gold medals, the world falls in love with curling. Curling originated in 16th-century Scotland and is most popular in Canada, where many Scots immigrated. Now, 480 years after the first recorded instance of curling occurred on a frozen pond in Scotland, many devotees have left their mark on the sport’s history. These are just a few of the greats. Harvey Mazinke Curling Team In 1973, Canada held its collective breath as the Harvey Mazinke Curling Team took their final shot in a world championship match against Sweden. The rock ultimately failed to reach the rings, crowning Sweden as world champions and snapping the 10-0 record Harvey Mazinke had built during a week of competition. But regardless of that final score, Harvey Mazinke’s impact on the sport was not diminished. The team was crowned the Canadian Men’s Curling Champions in 1973, and the Saskatchewan Sports Hall of Fame recognizes them as “ambassadors to the game.”

Roy Thiessen Choosing only one devoted coach to highlight is difficult, but it must be Roy Thiessen. Roy coached championship teams —or rinks, as they are called in curling— at both provincial and national levels. His expertise led him to chair the first Saskatchewan Summer Games in 1972, theWorld Junior Men’s Curling Championships in 1979, and theWorld Ladies’Curling Championships in 1983. Budding athletes can learn all of Roy’s secrets and the fundamentals of curling in the numerous books he wrote.

Joyce McKee Curling Team Without Joyce McKee, Sylvia Fedoruk, Donna Belding, and Muriel Coben, the Canadian Ladies Curling Association Championship, now called the Scotties Tournament of Hearts, would have never become the nationally recognized organization it is today. The aforementioned women were part of the Joyce McKee rink and were the first winners of the championship in 1960. Their style, play, and knowledge propelled women’s curling into the leagues of men’s competitions, proving that women could compete at just as high of a level as their male peers. To this day, the Joyce McKee rink’s accuracy is unparalleled. If you can’t wait another two years before curling hits center stage at the Winter Olympics, check out the podcast “Curling Legends” to get your fix of curling greatness.

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We all know reindeer visit our rooftops every Christmas Eve, but what brings them there? Follow the unique and complicated history of Santa’s reindeer to find out. A visit fromwho on what night? In the 1820s, Clement Clarke Moore penned a holiday poem that became the foundation for a phenomenon still alive today. Commonly known as “‘Twas the Night Before Christmas,”“A Visit From St. Nicholas” is a beloved story shared by every generation. It is in this poem that reindeer were first credited with powering Santa’s sleigh around the globe. Many popular songs, movies, and plays have preserved Moore’s vision of St. Nick, and his reindeer and their names are no exception. (Well, kind of.) Rudolph wouldn’t join the squad until a department store added him as part of their promotions in the 1930s. What’s in a name? Dasher, Dancer, Prancer, Vixen, Comet, and Cupid were all brought to life by Moore, but have you ever heard of Dunder and Blixem? Though we now know the duo as Donner and Blitzen, Moore originally named them Dunder and Blixem— the Dutch words for thunder and lightning — but publishing companies wanted names that would rhyme better with the rest of the poem. Still, it was a few decades before Donner and Blitzen made their appearances in the version of the poem we know today. Reindeer burgers, anyone? Moore’s poem paved the way for Santa’s most famous form of transportation, but it was actually Carl Lomen, an Alaskan businessman, who mass-marketed reindeer as Santa’s companions. In the late 1890s, the Sami natives of Northern Europe, who were longtime reindeer herders, made their passage from Norway to the U.S. with a herd of reindeer to invigorate the Alaskan landscape and help their native neighbors. Lomen saw the reindeer as an opportunity and partnered with the Macy’s department store company to create a promotional Christmas parade in which Santa, led by his reindeer, a sleigh, and Sami herders, were prominently featured. Lomen’s goal was to promote his massive reindeer conglomerate for the production and sale of reindeer meat. Instead, a holiday story was born. WHAT ABOUT DUNDER AND BLIXEM? The Strange History of Santa’s Reindeer


Inspired by Ina Garten


1 chicken, approx. 5–6 lbs

1 head garlic, cut in half crosswise

Kosher salt

2 tbsp unsalted butter, melted

Freshly ground pepper

1 large yellow onion, thickly sliced 4 carrots, peeled and cut into 2-inch pieces

1 large bunch fresh thyme, 20 sprigs removed

1 lemon, halved

Olive oil


1. Heat oven to 425 F. 2. Rinse chicken inside and out, removing giblets if included. Move to a work surface, pat dry, and liberally season with salt and pepper. Stuff cavity with thyme bunch, lemon halves, and garlic head. Brush outside with butter, and then season again. Tie chicken legs together with kitchen string. 3. Meanwhile, in a roasting pan, toss onions and carrots in olive oil and season with salt, pepper, and 20 sprigs of thyme. 4. Place the chicken on the vegetables and roast for 1 1/2 hours. 5. Remove from oven, and let stand for 20 minutes covered with foil. 6. Slice and serve with the vegetables. | 3



2701 W. QUEEN CREEK RD., #3 CHANDLER, AZ 85248



Francisco’s Holiday Favorites

The Power of Senior Entrepreneurship Get to Know Some of Curling’s Best Athletes


Classic Roast Chicken How Santa Claus Became Powered by Reindeer



Glamping at Its Finest


Spruce Hole Yurt, Colorado

The allure of the great outdoors calls to many, but pitching a tent and cooking over a fire isn’t for everyone. If that describes you, consider the yurt: a small, permanent structure often outfitted with electricity, plumbing, and other modern amenities. Expertly nestled in remote locations, they provide comforts of home in the midst of nature. Here are just a few around the United States available for rent. For those new to the glamping scene, this is a great choice for an easy transition. With picturesque views of the Pacific Ocean, the Treebones Resort in Big Sur has an array of spaciously comfortable yurts to choose from. The resort has heated pools, a cozy lodge, and even a sushi bar. About an hour up the coastline, you can find a few shops, restaurants, and art galleries if you decide you’ve gotten your dose of nature for the day. Treebones Resort, California

Nestled in the San Juan Mountains about 10 miles north of New Mexico, this yurt is a snow- lover’s paradise. Skiing, snowshoeing, and hiking trails are plentiful in this backcountry location. At the end of a chilly day, come home to comfy beds, cooking supplies, and decor made to feel like you’re camping — but with sturdy walls to keep out the cold. For the glampers who truly want to get away, hike just under 1 mile into the woods of the Adirondack Mountains to discover rustic yurts beckoning you to cook over a fire or bundle up with a book. At night, the yurt’s domed skylight offers excellent stargazing. For those keen on winter activities, skiing and snowshoeing trails start right outside the front door. In the summer, enjoy hiking, fishing, and swimming. Falls Brook Yurts, NewYork

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Did your " Estate Planner " give you a one - and - done living trust package with NO GUARANTEE ? Ever wonder why ? Did they secretly have you sign something that says YOU HAVE NO GUARANTEE and they have ZERO LIABILITY if things go wrong ? The big SECRET that mainstream estate planners are hiding is that they are using you as their pay - day on the back - end by selling you an annuity or getting probate fees when your living trust fails . IS YOUR ESTATE PLANNER ALSO SELLING YOU AN ANNUITY ? WHY WON ' T THEY GIVE YOU A GUARANTEE ? They make you feel like you took care of your affairs but when it doesn ' t work it won ' t be found out UNTIL IT ' S TOO LATE . If you ' ve never made a living trust or your trust didn ' t come with a 10X No - Probate Guarantee , you could end up " in the system " as a ward of the court when you ' re most vulnerable , losing tens of thousands of dollars to probate lawyers .

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Secret # 1 - Making a trust & any updates when needed is simpler than you think .

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TIME TO LOOK INTO CREATING A LIVING TRUST If you ' re like most people , this probably isn ' t your first look at living trusts . If you ’ ve not done this yet , or you ’ ve waited too long to update your old plan , it ’ s not your fault . I want to put your fears to rest - YOU CAN DO THIS ! You just need the right person to make it simple for you . Mainstream estate planners want you to think that this is complicated . I ’ m here to tell you they ’ re wrong . They have their own reasons for wanting you to think that , but it ’ s not true . They don ’ t benefit when your family is protected . They want to keep you wondering , keep you confused , and keep you needing their services when the emergency strikes and your family is thrown into the system . HOWOUR SEMINARS ARE DIFFERENT THAN OTHERS The difference with us is that we want to see you living the life of your dreams , knowing that you are financially secure . You desire to protect your family and to have no regrets , and I want to show you how to do that during this seminar .

a simple trick we use to show clients how to easily make tough decisions ; the different documents in a trust ; the easy - to - understand steps of creating or updating your trust ; and how to keep your trust up - to - date and current in under one hour per year . The first 4 people who register will get a FREE BONUS GIFT - a FREE COPY of Francisco Sirvent ' s book , Pack Your Parachute , which will explain : CALL NOW ( 480 ) 418 - 1776 TO SAVE YOUR SEATS Pick up the phone now ( 480 ) 418 - 1776 or go online to register : // bit . ly / 2P4atdo FREE LIFE - CHANGING GIFT TO FIRST 4 PEOPLE WHO RSVP You ' ll feel great right away knowing that you ' ve taken the first step toward securing your retirement and protecting your family from a ticking time bomb .


DEC . 4 @ 6 : 3 0 PM DEC . 7 @ 1 0 : 3 0 AM

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Come talk with a HAPPY LAWYER !

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I ' m going to explain our 10X No - Probate Guarantee . We put our guarantee in writing , in plain English , so you can understand the process and get past the fear of talking to a lawyer for help .

( Can ' t make the dates ? Call to get a RECORDING of our latest seminars !)


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