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Special Report
Naturopathic physicians ‘look at the whole person’

When patients come to see Dr. Kate D’Archangel at her Kingston office, they typically spend an entire hour with her. The naturopathic doctor not only talks with them about the concerns that brought them in, but tries to get a complete picture of what’s happening with them physically, mentally and emotionally.

“I look at the whole person, not just at the symptoms, to figure out a treatment plan,” she said. “I talk to patients a lot and ask a lot of questions to get the full range.” read more »

 
Silverdale businesses could see growth, but there’s not a lot of available commercial space

There’s no doubt in the mind of the business community that when Harrison Medical Center moves its Bremerton hospital to Silverdale, it will create a positive ripple effect on other businesses. But how much impact remains speculation. read more »

 
Companies get creative to transform buildings in wake of retail vacancies

The exterior of the Harrison office building, which used to be a Michaels craft store.When Harrison Medical Center wanted to relocate its support services such as human resources and payroll from its cramped Bremerton campus, the organization made an unusual choice. Instead of breaking ground on new construction or leasing existing office space, the hospital system redesigned a building formerly used as a go-cart track and Michael’s craft store.  read more »

 

From Gig Harbor to Bainbridge Island, downtowns appear to prove that the economic recovery is giving small businesses their due. If commercial real estate activity seems sporadic in most cities, it’s because the number of building vacancies is smaller — in contrast to several years ago. read more »

 
Retirement Lifestyles

When most business owners develop a plan and look into the crystal ball, they see a future of sustained success and profitability for their venture. What they often fail to see and plan for is the byproduct of that success — that someday they will either want or need to move beyond what they’ve worked so hard to build.

I have always advised my clients that there is a difference between “succession planning” and an “exit strategy.” Succession planning is simply who is going to take over your position and replace your name on the door. An exit strategy is much more involved and is your detailed plan to exit that business with the financial resources to live the rest of your life in the manner to which you have grown accustomed. read more »

 
Retirement Lifestyles
"We don't stop playing because we grow old; we grow old because we stop playing." ~ George Bernard Shaw

My wife Barb and I went to see Paul McCartney perform live at Safeco Field last year. I can honestly say it was one of the highlights of my life. I knew that this was probably the last time I would have a chance to watch a former Beatles member perform live. McCartney was 71 years old at the time and I doubted Seattle was going to be a destination spot for future events. Barb and I enjoyed watching Sir Paul regale a packed house on a beautiful summer night for nearly three hours without a break. Three hours! This included three encore performances alongside former members of Nirvana, all easily half his age. Just a few weeks ago, I watched the CBS special of the 50th anniversary of The Beatles on the Ed Sullivan Show. McCartney was there with the other living member of the band, Ringo Starr (who is older than him.) They put on an amazing show. At 72, McCartney probably can’t even spell “retirement,” nor does he want to. read more »

 
Retirement Lifestyles

You need to save and invest as much as possible to pay for the retirement lifestyle you’ve envisioned. But your retirement income also depends, to a certain degree, on how your retirement funds are taxed. And that’s why you may be interested in tax diversification.

To understand the concept of tax diversification, you’ll need to be familiar with how two of the most important retirement-savings vehicles — an IRA and a 401(k) — are taxed. Essentially, these accounts can be classified as either “traditional” or “Roth.”

When you invest in a traditional IRA or 401(k), your contributions may be tax-deductible and your earnings can grow tax-deferred. With a Roth IRA or 401(k), your contributions are not deductible, but your distributions can potentially be tax-free, provided you meet certain conditions. (Keep in mind, though, that to contribute to a Roth IRA, you can’t exceed designated income limits. Also, not all employers offer the Roth option for 401(k) plans.) read more »

 
Retirement Lifestyles

When it comes to finding a state to which to retire, there are plenty of factors to consider. There’s the weather, proximity to family and friends, access to health care, quality of life, and the list goes on, according to CCH, Wolters Kluwer. But one factor that you might want to weigh more heavily than others when deciding where to live in retirement is the degree to which your precious income and assets will be taxed.

“Retirees should really do their homework on the types of taxes they’d be responsible for paying and the rates they’d be taxed at when comparing different locations,” Sandy Weiner, a state tax analyst for Wolters Kluwer, said in a release. Specifically, you should consider, according to Weiner and others, state taxes on retirement benefits, state income tax rates, state and local sales tax rates, state and local property taxes, state estate taxes, state inheritance taxes, and the overall tax burden. read more »

 
Retirement Lifestyles

Double Your Retirement DollarsDownsizing has become the desire of many Baby Boomers and mature Americans. They have raised their children in the family home, worked hard to pay off or pay down their mortgage and are ready to sell and move to their retirement dream home. Unfortunately for many, it can be difficult to make the finances work. Do they sell the home and pay cash for the new one, get a small mortgage, or just stay? According to the Demand Institute and American Housing Survey, 64.5 percent of homeowners age 62 and older own their homes free and clear and over 40 percent of them have a desire to move and purchase another home. The truth is it’s much easier than ever to make the move. read more »

 
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