Keystone Law Firm September 2019

Trust Matters SEPTEMBER 2019


After Class Lessons From Our School Days

The kids are headed back to school, and I find myself wondering where all the time has gone. Zach and Sophia are headed into the second and fifth grades, respectively, while Gabe and Bella are starting their last year in elementary school. It seems like only yesterday we dropped the twins off at kindergarten for the first time. While I may have some trepidation about the whole thing, our kids are more than ready for this next chapter in their lives. It sounds strange, but they all really enjoy school. Not only do they get to see their friends again after the long summer but they also genuinely enjoy their classes. This is thanks in large part to their teachers challenging and empowering them in novel ways. Our kids go to a K-12 school focused on leadership. What that means in practice is that students are required to show their understanding on any given subject through speaking events and presentations. From the time they were very young, our kids have been speaking in front of live audiences, using PowerPoint presentations they built themselves. This was very different than my schooling experience; that’s for sure. I attended a Catholic grade school, where their latest innovation was not smacking kids with rulers anymore. Other than this “modern” adaptation, the experience was very traditional: nuns with black and white habits and all. But I think even in these kinds of very formal schooling settings, kids find ways to let their interests shine. For me, this happened in art class. At first, I viewed this twice-weekly period as a nice break from“harder” studies. I could just relax and draw, something I came to love more and more. Then, one day, I found myself drawing a mountain landscape, and I started really thinking about the process — shadows, shading, the scale of the trees — how could I make this place look and feel real ? When I came to see art as more than just lines on a piece of paper, I knew I’d found a passion for the rest of my life. Now, spoiler alert: I didn’t become a famous artist. Heading a law firm with four kids at home doesn’t exactly leave a lot of time for anything more than rough sketches and doodles. But, when the twins were young, I took the time to paint an ocean scene in their bedroom and had a blast. Capturing that sweeping horizon and the way the water broke around surfacing whales took me right back to those early challenges I loved puzzling out in art class. Leaving that mural behind was the hardest part of moving out of our old house.

The first day of school for the Sirvent family!

While I’m willing to bet you’re way past your own school days, my challenge to you is this: Think back to your time in the classroom. What activities did you enjoy most? What hobbies or skills have you had to put on the backburner for your career or your family? If you’ve been worrying you’ll have “nothing to do” in retirement, I think this little exercise will put your mind at ease.

Here’s to another year of learning, laughing, and loving!

-Francisco | 1

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HONORING THE CANINES OF 9/11 The 4-Legged Heroes of Ground Zero

In the immediate aftermath of 9/11, thousands of New Yorkers took to the streets to clear rubble, offer supplies, and search for survivors. It was a powerful act of resilience in a deeply trying time, and while most of the individuals helping with the disaster stood on two feet, more than 300 canines also answered the call to service.

Some dogs that found deceased victims refused to eat or interact with other animals. Search and rescue dogs became increasingly stressed and depressed the longer they searched without any results, mirroring their handlers. It wasn’t uncommon for handlers to stage mock “findings” of survivors to keep the dogs’ spirits up.

Dogs of all breeds and backgrounds, including search and rescue dogs, police dogs, service dogs, and therapy dogs, were brought in to help find and care for survivors in the wake of the destruction. They worked tirelessly alongside rescue crews as they searched through the debris. Search and rescue dogs and their handlers worked 12–16-hour days, searching for survivors and victims. They worked through dangerous conditions: Many dogs burned their paws as they dug through hot rubble, and both handlers and canines inhaled toxic dust. The task was both physically and mentally exhausting for the dogs during their shifts.

Fortunately, the sacrifices these dogs and their handlers made did not go unnoticed. Many dog owners were inspired to earn their search and rescue certifications after the events of 9/11, promising to aid in future disasters and hopefully lessen the impact of such catastrophes. After 9/11, various researchers conducted many studies examining the effect this kind of work has on animals, both physically and mentally. Many of these studies wouldn’t be possible without the AKC Canine Health Foundation, so if you’re looking to give back this September, visit them at their website to see how you can help:


In 2002, the quaint town of Reed Springs, Missouri, declared bankruptcy. The hard decision came after the town was forced to pay $100,000 to Sally Stewart, a woman who sued Reed Springs after she tripped over a pothole during a shopping trip. News of a greedy woman ruining a small village to make a quick buck sparked outrage across the country. But Stewart wasn’t the real villain of this story. A little digging into this case reveals a much deeper conspiracy. Stewart had been visiting Reed Springs in 1998 when she tripped on a pothole hidden beneath some overgrown grass on the sidewalk. But this was no small stumble. Stewart tore two ligaments in her ankle and

had to undergo surgery. To help pay for the medical bills, Stewart, who’d never sued anyone before, initially filed a personal injury lawsuit against the owners of the store in front of the pothole. However, the Missouri Court of Appeals determined the city of Reed Springs was liable for Stewart’s injuries. The court ordered Reed Springs to pay Stewart $100,000, over half the city’s annual budget. Despite the high price tag, in normal circumstances, this verdict wouldn’t have forced Reed Springs to declare bankruptcy because the town’s insurance would have covered the bill. Unfortunately, at the time of Stewart’s accident, the mayor of Reed Springs was a corrupt man named Joe Dan Dwyer. Dwyer left office while being investigated for insurance fraud, child pornography, statutory rape, witness bribery, and perjury, and he was later sentenced to seven years in federal prison. Among his many indiscretions, Dwyer also let the town’s insurance policy lapse. Reed Springs didn’t have insurance when Sally Stewart got hurt, which is why they had to write a check out of their own budget and ultimately declare bankruptcy. In this case, what started as a simple pothole accident quickly unveiled the lasting damage of an unscrupulous politician. Perhaps this case serves as reminder about why it’s important to vote in local elections.

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Have you ever wanted to experience the colors of a Boston fall while enjoying the peace and tranquility of the great outdoors? Autumn leaves are a universally appreciated sign of the changing seasons, and there’s no better place to see those vibrant yellows, oranges, and reds on display than in one of America’s national parks. So, if you’ve got some free time this autumn, here are some parks worth seeing. THE BEST NATIONAL PARKS TO VISIT THIS FALL While the maple, birch, and poplar trees of Acadia begin to change color in September, mid-October is the best time to witness autumn in full swing. The park is crisscrossed with unpaved trails that date back to a time of horse-drawn carriages, preserving an idyllic setting. If you want to see the colors in full effect, take a drive to the top of Cadillac Mountain, the highest point along the North Atlantic seaboard, and watch the sun crest over the vibrant leaves. To fully experience fall in the Northeastern U.S., Acadia National Park is a must-see. Acadia National Park, Maine



Inspired by Bon Appétit

Great Smoky Mountains National Park, Tennessee and North Carolina

6 oz pasta, ideally spaghetti or bucatini 3 tbsp unsalted butter, cubed and divided 1 tsp freshly ground black pepper

3/4 cup finely grated Parmesan cheese, ideally Parmigiano- Reggiano 1/3 cup finely grated pecorino cheese Kosher salt, for pasta water and to taste

Further south, the autumn colors of the Smoky Mountains are no less breathtaking than those in the Northeast. This park offers many scenic lookout points accessible by car, so don’t worry about hoofing it into the forest if that’s not your thing. Park wherever you like and watch the warm colors of ancient maples, oaks, and cedars change before your eyes.


Grand Teton National Park, Wyoming

1. In a large pot, bring 3 quarts of salted water to a boil. Add pasta and cook, stopping 2 minutes short of desired doneness. Drain pasta, reserving 1/2 cup of pasta water. 2. In a large pan over medium heat, melt 2 tbsp butter. Add pepper and cook until toasted and aromatic, about 1 minute. Add reserved pasta water and bring to a simmer. 3. Transfer pasta and remaining butter to pan and reduce heat to low. Add Parmesan cheese and cook until melted, tossing pasta throughout. Remove pan from heat and add pecorino, continuing to toss until cheese is melted and sauce coats pasta. 4. Transfer to bowls and serve.

While the West might typically be associated with evergreen pines, the deciduous trees of the relatively small Grand Teton National Park pack a colorful punch starting around the third week of September. It’s also breeding season for elk in the area, and their high, eerie whistles can be heard in the evenings. Popular destinations in the park include the Christian Pond Loop and String Lake. Just because the weather is cooling down doesn’t mean you have to abandon your favorite national parks until next summer. The natural beauty of America can be experienced at any time of the year, so start planning your next autumn outdoor excursion! | 3

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



Francisco’s Hidden Talent

Honoring the Canines of 9/11 A Surprising Reason for Bankruptcy


Cacio e Pepe The Vibrant Colors of America’s National Parks



Why Are So Many People Deciding Not to Retire?


According to the Bureau of Labor Statistics, upward of 40% of people aged 55 and older are continuing to work past the normal retirement age. There are a number of reasons why people are choosing to stay employed, with one of the biggest being a lack of retirement funds, but some are also using work to keep their minds and skills sharp. In fact, most of the jobs that the 55-plus crowd goes after keep them engaged with the community and help them lead more active lives.

ones. This balance is exactly what many older workers are looking for, especially those who are “part-time retired.”

More importantly, however, most older workers find these jobs fulfilling. They allow older folks to interact with the community and stay active, both of which, research suggests, are essential to healthy living as people age. For many, working past retirement, or not leaving the workforce entirely, can be a win-win-win: It’s a win for your bank account, a win for your health, and a win for the community.

The BLS categorized the jobs many older workers are currently pursuing:

Real estate appraisers/assessors

• Property/real estate/community association managers • Technical writers • Tax preparers • Construction/building inspectors • Crossing guards • Clergy These seven jobs are projected to grow between 8–14% over the next six years according to BLS data. They often pay well and don’t always require a full-time commitment. Many even offer flexible schedules, which can help older workers spend more time with peers or loved

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E very journey needs a roadmap. Aging is no different. J oin us as we provide real and practical solutions for a smoother journey. Saturday, September 28, 2019 Registration and Vendor Visits begin at 8:45 a.m. Program 9:15 a.m. - 3:00 p.m. Red Mountain Multi –Generational Center 7550 E Adobe St, Mesa, AZ 85207 RSVP by Monday, Sept. 23rd to 480-833-8247 or email: The Event is FREE, lunch is provided Register Early seats are limited Complimentary Adult Day Program for care partners provided by Oakwood Creative Care Contact Oakwood directly to reserve your loved one’s spot (480) 641-7644 What our participants are saying... “I learned more in one hour of the Successful Aging Conference than I did from 3 years of support groups!” Cindy P. “The best part of the Successful Aging Conference is the myriad of different services and options available to the aging population.” Tom T. “Excellent Speakers” Mary T. Brought to you by successful AGING Partners and

R oadmap edition

The 10 Things Nobody Tells You When you Age Elaine Poker-Yount, CDP, Director of Care Management, Visiting Angels East Valley Elaine will outline the critical eldercare practices to engage, provide crucial decision- making indicators to look for, clarify common misconcep- tions, and equip you with the information and resources needed to make the best decisions for your family. . Techniques for Living with Dementia More Successfully Shelly D. Drews, CDP CADDCT, Founder & CEO of Help My Senior, LLC Shelly will share the truth about Dementia and how to create the best care plan for success for both care partners. She will walk you through tips and techniques families can utilize to help with the tasks of everyday life. & CEO of Help My Senior, LLC will What if I’m No Longer Safe at Home... Scott Fischer, RN, BSN, Owner of Options for Senior Living will share vital information you need to know in order to navigate the complex world of senior living, including how to identify when it's time to move, the differences in different living arrangements and what to beware of when making your decisions. Self Care IS the Answer Joan Marlow, Life Coach, Reiki Master Let’s start prepping for this journey today!! Joan will offer a variety of fun and practical self-care tips, techniques and practices so you’re ready to ‘respond vs react’ to what- ever lies ahead. Self-care is not selfish!! Put your health and well-being up front on this journey so you can live your best life. How to Avoid a Financial Health Care Crisis Francisco Sirvent, Attorney at Law , Principal, Keystone Law Firm We all worry that healthcare disasters and medical crises such as Alzheimer's or a severe stroke could wipe out life savings, or that home equity could be taken by a nursing home. Francisco will share how he helps Maricopa County families legally protect their hard-earned savings from long term health problems and the government-controlled probate system.

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