Legal Services • IRS Representation Appreciation Day...

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September 2016 -- Lake Orion -- What’s The Biz -- 27 September, 2016 Vol. 1 3, No. 7 A monthly collaborative with the Orion Area Chamber of Commerce BIZ What’s the LAKE ORION WINDOW TREATMENTS 47 S. Broadway • Lake Orion 248-693-0124 • Fax 248-693-0031 Custom Draperies • Blinds • Carpet Upholstery • Hospital Bed Curtains Commercial • Residential • Prepare Business & Personal Tax Returns • Assist New Business in Federal & State Registration • Payroll Processing • Bank Reconciliation • Financial Statements • Periodic Tax Planning • Personalized & Confidential Service accounting services, inc. 399 S. Broadway • Lake Orion • 248-693-0003 Associated Foot Clinic Jeffrey C. Noroyan, D.P.M. • Tim Snyder, D.P.M. Gloria Christian, D.P.M. Physicians and Surgeons of the Foot 191 North Park Blvd • Lake Orion 248-693-8400 Diplomate, American Board of Podiatric Surgery ENVIRONMENTAL WOOD SOLUTIONS Call For Rates 248-391-9446 3500 Giddings Rd. (N of Silverbell) Hours: Mon-Fri. 8-5 • Sat. 8-1 www.ewsmullins.com RECYCLING: • Stumps / Brush / Logs • Tree Debris / Yard Waste • Pallets / Crates • Wood Construction Debris Screened Topsoil • Planting Mix Hardwood Mulch • Colored Mulch Aggregate Materials - Sand & Stone Place an ad in the Classifieds! It’s a fast, easy and profitable way to get rid of your unwanted merchandise. Call 248-693-8331. The Classifieds Attract Buyers. Located on Lapeer Road & Dutton • (1/2 Mile N of the Palace) • 248-276-2222 Sunday, Sept. 11 • 1-5 pm 8th Annual Cruiser Appreciation Day! DJ “Billy D” Classic Car Cruise Tuesdays Thru Oct. 13th Indoor Cruise Starts Oct. 18th! Bingo, Trivia & More Over 400 Cruisers Last Year • Public Welcome • Rain Date Sunday, Sept. 18 Fun For The Whole Family! Kids 12 & Under $4.00 Games For the Kids Bring Your Pop-up Tent & Lawn Chairs Special Parking For All Cruisers BBQ Chicken Pulled Pork Buffet $8.00 BBQ Chicken Pulled Pork Buffet $8.00 PADGETT BUSINESS SERVICES OF NORTH OAKLAND 1520 S. Lapeer Rd., Ste. 211 • Lake Orion, MI 48360 248-693-6222 • 248-693-6866 [email protected] www.smallbusinesspros.com www.nosbls.com North Oakland Small Business Legal Services, PLLC Care for Small Business to Manage Growth and Change NOSBLS and North Oakland Small Business Legal Services, PLLC Care for Small Business to Manage Growth and Change PADGETT BUSINESS SERVICES OF NORTH OAKLAND America’s Firm For Small Business Tax Needs Tax • Accounting • Payroll • Advisory Legal Services • IRS Representation The Right Combination For Your Business! The Right Combination For Your Business! Lake Orion – PADGETT BUSINESS SERVICES®, a leading small business tax, payroll and compliance company, is celebrating 50 years of service. The Lake Orion based business not only provides tax-related services, but also assists businesses with management reporting, tax compliance and payroll services. PADGETT BUSINESS SERVICES® primarily serves small businesses with fewer than 20 employees, which accounts for about 90 percent of the country’s small businesses. “Being in business for 50 years is such an amazing accomplishment and I’m honored to be a part of a brand that has stood the test of time for so long,” Bruce W. Edwards, local Padgett owner said. Walter Padgett launched PADGETT BUSINESS SERVICES® in 1966 after witnessing local business owners struggling with the financial aspects of running their companies. His idea was to help those small businesses thrive. Half a century later, PADGETT BUSINESS SERVICES® continues to run on those same principles. With dual U.S. headquarters in Georgia and Massachusetts and a network of more than 300 offices across both the United States and Canada, PADGETT BUSINESS Padgett Business Services® of North Oakland celebrates 50th Anniversary SERVICES® is credited with assisting tens of thousands of small businesses with their tax and compliance needs. “We’re doing something very unique in the market —we make tax and compliance routine so that our clients can stay focused on running their businesses,” said Steve Rafsky, CEO of PADGETT BUSINESS SERVICES®. “One big reason we’ve been able to make such a name for ourselves in this market is because of the network of high-quality affiliates who make up PADGETT BUSINESS SERVICES®. Our secret lies in years of building client relationships and teaching our affiliates the best ways to do just that. We’re proud to have made it to 50 years and we look optimistically toward the next 50.” PADGETT BUSINESS SERVICES® also recently announced a new Business Growth Program for Professionals that provides tax professionals who operate independent businesses a fully-supported network. This network allows them to retain business, leverage established strategies, maintain and improve client service and remain up-to-date on industry compliance issues. The Business Growth Program for Professionals is currently open to qualified CPA and enrolled agents who currently own a tax firm in the United States. For more information about PADGETT BUSINESS SERVICES®, visit our website at http://padgettmichigan.com.

Transcript of Legal Services • IRS Representation Appreciation Day...

Page 1: Legal Services • IRS Representation Appreciation Day ...files.constantcontact.com/b1b48c5d001/de9e1168-27a4-4e8b-a80c-… · It’s a fast, easy and profitable way to get rid of

September 2016 -- Lake Orion -- What’s The Biz -- 27

September, 2016Vol. 13, No. 7

A monthly collaborative with the Orion Area Chamber of CommerceBIZWhat’s the

LAKE ORIONWINDOW TREATMENTS

47 S. Broadway • Lake Orion248-693-0124 • Fax 248-693-0031

Custom Draperies • Blinds • CarpetUpholstery • Hospital Bed Curtains

Commercial • Residential

• Prepare Business & Personal Tax Returns• Assist New Business in Federal & State Registration

• Payroll Processing • Bank Reconciliation• Financial Statements • Periodic Tax Planning

• Personalized & Confidential Service

accounting services,inc.

399 S. Broadway • Lake Orion • 248-693-0003

Associated Foot ClinicJeffrey C. Noroyan, D.P.M. • Tim Snyder, D.P.M.

Gloria Christian, D.P.M.Physicians and Surgeons of the Foot

191 North Park Blvd • Lake Orion

248-693-8400Diplomate, American Board of Podiatric Surgery

ENVIRONMENTALWOOD SOLUTIONS

Call For Rates 248-391-94463500 Giddings Rd. (N of Silverbell)

Hours: Mon-Fri. 8-5 • Sat. 8-1www.ewsmullins.com

RECYCLING:• Stumps / Brush / Logs• Tree Debris / Yard Waste• Pallets / Crates• Wood Construction Debris

Screened Topsoil • Planting MixHardwood Mulch • Colored Mulch

Aggregate Materials - Sand & Stone

Place an ad in the Classifieds!It’s a fast, easy and profitable way to get rid

of your unwanted merchandise.Call 248-693-8331.

The ClassifiedsAttract Buyers.

Located on Lapeer Road & Dutton • (1/2 Mile N of the Palace) • 248-276-2222

Sunday, Sept. 11 • 1-5 pm

8th Annual

CruiserAppreciation

Day!

DJ “Billy D”

Classic Car CruiseTuesdays

Thru Oct. 13thIndoor Cruise Starts

Oct. 18th!Bingo, Trivia & More

Over 400 Cruisers Last Year • Public Welcome • Rain Date Sunday, Sept. 18

Fun For TheWhole Family!

Kids 12 & Under $4.00

Games For the KidsBring Your Pop-up Tent

& Lawn ChairsSpecial Parking For All Cruisers

BBQ ChickenPulled Pork

Buffet$8.00

BBQ ChickenPulled Pork

Buffet$8.00

PADGETT BUSINESSSERVICES

OF NORTH OAKLAND

1520 S. Lapeer Rd., Ste. 211 • Lake Orion, MI 48360

248-693-6222 • [email protected]

www.nosbls.com

North OaklandSmall Business Legal

Services, PLLCCare for Small Business to Manage

Growth and Change

NOSBLSand

North OaklandSmall Business Legal

Services, PLLCCare for Small Business to Manage

Growth and Change

PADGETT BUSINESSSERVICES

OF NORTH OAKLANDAmerica’s Firm

For Small Business Tax Needs

Tax • Accounting • Payroll • AdvisoryLegal Services • IRS RepresentationThe Right Combination For Your Business!The Right Combination For Your Business!

Lake Orion – PADGETT BUSINESSSERVICES®, a leading small business tax,payroll and compliance company, iscelebrating 50 years of service.

The Lake Orion based business notonly provides tax-related services, but alsoassists businesses with managementreporting, tax compliance and payrollservices. PADGETT BUSINESSSERVICES® primarily serves smallbusinesses with fewer than 20 employees,which accounts for about 90 percent ofthe country’s small businesses.

“Being in business for 50 years is suchan amazing accomplishment and I’mhonored to be a part of a brand that hasstood the test of time for so long,” BruceW. Edwards, local Padgett owner said.

Walter Padgett launched PADGETTBUSINESS SERVICES® in 1966 afterwitnessing local business ownersstruggling with the financial aspects ofrunning their companies. His idea was tohelp those small businesses thrive. Half acentury later, PADGETT BUSINESSSERVICES® continues to run on thosesame principles.

With dual U.S. headquarters in Georgiaand Massachusetts and a network of morethan 300 offices across both the UnitedStates and Canada, PADGETT BUSINESS

Padgett Business Services® of NorthOakland celebrates 50th Anniversary

SERVICES® is credited with assisting tensof thousands of small businesses with theirtax and compliance needs.

“We’re doing something very unique in themarket —we make tax and compliance routineso that our clients can stay focused on runningtheir businesses,” said Steve Rafsky, CEO ofPADGETT BUSINESS SERVICES®. “One bigreason we’ve been able to make such a namefor ourselves in this market is because of thenetwork of high-quality affiliates who make upPADGETT BUSINESS SERVICES®. Our secretlies in years of building client relationships andteaching our affiliates the best ways to do justthat. We’re proud to have made it to 50 yearsand we look optimistically toward the next 50.”

PADGETT BUSINESS SERVICES® alsorecently announced a new Business GrowthProgram for Professionals that provides taxprofessionals who operate independentbusinesses a fully-supported network. Thisnetwork allows them to retain business,leverage established strategies, maintain andimprove client service and remain up-to-dateon industry compliance issues. The BusinessGrowth Program for Professionals is currentlyopen to qualified CPA and enrolled agents whocurrently own a tax firm in the United States.

For more information about PADGETTBUSINESS SERVICES®, visit our website athttp://padgettmichigan.com.

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28-- What’s The Biz -- Lake Orion -- September 2016

Supporting the businesses that support your community | Orion Area Chamber of Commerce

What’s the BIZ?A monthly collaborative with the Orion Area Chamber of Commerce

September 2016

September Breakfast

Thursday, September 8th8:30 to 10 amOrion Center

1335 Joslyn, Lake Orion

Oakland County Sheriff

Michael Bouchard will

speak about Emergency

Preparedness. Catered by

Honest to Goodness Breakfast

& Smoothies.

Sponsored by Brain Life Center

Thirsty ThursdayJoin us between 4 and

6 pm for a cold one and

informal networking!

September 15th G’s Pizzeria

2775 S. Lapeer, Lake Orion

THURSDAY

Orion AreaCHAMBER OF COMMERCE

Thirsty

To register for Chamber events, call 248-693-6300, email us at

[email protected] or register at orionareachamber.com.

Made in Mich. Custom Sports & Apparel's new retail store provides high quality screen printed products customized with your designs. Made in Mich showcases some of these shirts among other items for people who LOVE Michigan! Visit Made in Mich at 4315 Baldwin Rd., Lake Orion.

It’s hard for me to believe it’s only

been six months since I took the

position of Executive Director at the

OACC, because

when I look back

at the things we’ve

accomplished at

the Chamber in

that short time,

it’s really quite

astonishing.

The Shop Local

Expo, networking

events at Scripps Mansion, aboard

the Princess boat, and at a Tiger’s

game, Thirsty Thursdays, luncheons,

ribbon-cuttings, a live Candidates

at Paint Creek Country Club, and

Dragon on the Lake boat races…

these are the things we’ve accom-

plished since I arrived in March.

Now, we are preparing for the 2nd

Annual Healthy Body Healthy

Mind Expo, and our annual Impact

Awards. There’s never a dull day at

the Chamber!

I have the privilege of working

with a dynamic, passionate Board

of Directors and Ambassador

Committee. Their individual and col-

lective commitment to the success of

the Chamber, the Members we serve,

and the community as a whole is

unlike anything I’ve experienced in

the past.

I must also say a hearty thank you

to both Alaina Campbell and Janet

Wolverton. They were instrumen-

tal in laying the foundation for the

Chamber’s continued success, and

have been wonderful mentors to me.

As your new Executive Director,

one of my goals is to meet as many

Members as possible. That’s why we

launched the “I’m In” campaign. I’ll

be stopping to introduce myself, get

to know you, and snap a few photos

with the sign you see in the pictures

above.

We’re working on some exciting

technology upgrades that will

enhance our Members’ experience

with the Chamber by improv-

ing methods of communication,

streamlining the event registration

and dues renewal processes, and

giving Members more control over

how their business or organization

appears on our website. This project

will be complete and ready to go by

the beginning of October.

really. We’ve all been affected in

some way by the construction on

M-24, but it’s our local businesses

that are taking the hardest hit. As

we attempt to keep our

please remember that

the people in the shops,

restaurants, car dealer-

ships, grocery stores, and

banks along this strip

are still working hard

for you. Please take

the extra time,

make the effort to

get in those places

and support them.

Remember this next year

as well, when Baldwin

undergoes construction.

Wishing you all success,

prosperity and good

health!

By Kim Urbanowski,Executive Director, Orion Area Chamber of Commerce

Orio

n Area Chamber

Ribbon Cut

ting

I’m In: As a way to meet and support their members, the Chamber has launched their “I’m In” campaign. Look for a visit from Executive Director Kim Urbanowski and her camera and join members API Consulting, Liberty Way Realty, JAE Jewelers, Chicago Brothers Pizza, Crates Coffee House and Healthy Dogma to say you’re “In” the Chamber too.

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September 2016 -- Lake Orion -- What’s The Biz -- 29

Orion Area Chamber of Commerce | Supporting the businesses that support your community

2016 Chamber Board of Directors

PRESIDENTBrian Birney,

The Birney Directive

VICE PRESIDENTMatt Pfeiffer,

Northern Flooring & Interiors

TREASURERChris Collins,

Planet Kids Premier Academy

SECRETARY Kellie McDonald,

The Goddard School-Lake Orion

DIRECTORSRyan Austin, Birmingham Sealcoat

Chris Barnett, Orion Township

Carl Cyrowski, Cyrowski Real Estate

Todd Daniels, Wealthpath Financial Advisors

Bill Kokenos, Orion Area Parade Group

Dr. Dana Mosure-Judge, Oakland Sports Chiropractic

Dawn Neely, Seniors Helping Seniors

Pam Omilian, API Consulting

Andrea Rank, Crates Coffee House

Rob Zielinski, Attorney at Law

Craig Zmijewski, AAA Michigan

EXECUTIVE DIRECTORKim Urbanowski

COMMUNICATIONS COORDINATOR

Colleen Ray

ORION AREA CHAMBER OF COMMERCE

46 W. Shadbolt, Suite CEntrance on Lapeer Street

Lake Orion, MI 48362248-693-6300

[email protected]

orionareachamber.com

Orion AreaCHAMBER OF COMMERCE

Dragon Boat Races fuel camaraderie and competition for Chamber members

A bitter battle for the Golden PaddleThe Orion Area Chamber of

personalities—who tend to be a bit

competitive, particularly about

Dragon Boat racing. Within the

Chamber, the trash talk begins

months in advance. There’s the

Chamber boat, “Taking Care of

Business – fueled by Lockhart’s”,

president of the Board of Directors,

Brian Birney, sponsored

and rowed “The Birney

Directive,” and board

member (and Township

Supervisor) captained

“Orion TownSHIP.”

Comments were made,

things said that couldn’t

be unheard, and sud-

denly a new tournament

sprung up amongst

Chamber board of directors. It was

the advent of the Golden Paddle. It

was decided that an award would

be given to the chamber member

whose boat had the shortest aver-

age time in the Dragon Boat Races.

A little history about Dragon boat racingDragon boat racing is a mass par-

ticipation paddle sport. It origi-

nated over 2000 years ago in China

as a way to appease the gods. Since

then, it has become a major part

of Chinese culture, representing

patriotism and group integrity. In

the ‘70’s, the city of Hong Kong’s

Tourist Board made the decision

to host a Dragon Boat Festival, and

a few years later the International

Dragon Boat Federation was born.

In 1983, an international festival

took place in San Diego, California,

to the US. Lake Orion’s own Dragon

on the Lake Festival began as a cel-

ebration of the 30th anniversary of

the Orion Art Center, a fundraiser

for the OAC’s scholarships, classes,

camps and community outreach.

Each year it continues to grow and

bring race entrants from all over.

This year, the competing board

members were Chris Barnett on

the “Orion TownSHIP,” Chamber

president, Brian

Birney on “The Birney

Directive” boat, and the

Chamber’s boat “Taking

Care of Business.” The

In the end, The Birney

Directive was the fastest

of the three boats, and

the Chamber was the

most spirited of all the

boats. The Birney Directive walked

away with the Golden Paddle—

and bragging rights—this year.

Congratulations to everyone who

competed!

Employment Opportunities

Maintenance TechHope Senior ApartmentsApply in person at 210 W. Drahner. Oxford or email Alayne Williams at [email protected].

Servers and Host StaffG’s PizzeriaMust be at least 18 to serve and 16 to host. Day and evening shifts available. Apply in person at 2775 S. Lapeer Rd., Lake Orion.

HVAC TechnicianComfort King MechanicalApply in person at 697 S. Lapeer Rd., Oxford or call John Rapanotti at 248-909-1484.

Part Time Dialer to Fill Networking Events100K Income Mastery10 hrs/wk at $10/hr. To apply call Bruce Webster at 248-648-5353 or email [email protected].

Lake Orion Nursing and Rehabilitation CenterCall Jen Lange, Director of Nursing at 248-693-0505 or email resume to [email protected].

If you are a Chamber member and would like us to share your job openings,

at orionareachamber.com

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30-- What’s The Biz -- Lake Orion -- September 2016

Supporting the businesses that support your community | Orion Area Chamber of Commerce

Healthy Body, Healthy Mind Expo

When you think of health expos,

do rows of tables covered in boring

medical pamphlets and people get-

ting their blood

pressure taken

come to mind?

I totally thought

the same thing

until I had the pleasure of being

in on the planning of this year’s

Healthy Body, Healthy Mind Expo.

Granted there

will be vendors

at tables. But

this year, we

came to the

realization that true health doesn’t

means different

things to differ-

ent people, and

there is more

than one component to health.

The Healthy Body, Healthy Mind

Expo chose to focus on eight com-

-

tual/behavioral

health, medical

health, environ-

alternative medi-

cine, nutrition, and family.

You’ll see vendors

ranging from CCF

Bank and the Orion

Township Public Library to Urban

Air Trampoline Park. There will be

a Soup and Stew Stroll to decide

who has the Orion Area’s

best soup, a Dessert

Dash to vote for the

most scrumptious

healthy dessert,

and food galore

as our vendors

offer up a

Healthy Taste

of Orion.

As with any health expo, you

can count on

Healthy Body,

Healthy Mind to

be informative.

But you can also

count on it to be fun!

Healthy Body, Healthy Mind

September 22nd from 5 to 8 pm at King’s Court Castle. For more

information, call the Chamber

members!

SIGNATURE MEMBER

Orion Oaks Dental248-693-4422orionoaksdental.com

BASIC MEMBERS

Be Well and Prosper248-760-6482thrivewithedna.com

Bryan’s Hope248-410-4163bryanshope.org

FIT4MOM Orion/Oxford248-491-8395

Horizon Interior Designs248-683-8566horizoninteriordesign.com

248-814-7139kresgeeye.org

Max Broock Realtors–Christian Frketich248-214-7348maxbroock.com

[email protected]

movewithmisty.com

248-756-4037theinsidecoup.com

888-999-6939WellFitHealthSolutions.com

Visit orionareachamber.com for a complete list of our

members.

Clerk Shults recognized as Michigan Master

Penny Shults, Orion Township

Clerk, was recognized by the State

Tax Commission as Michigan

at their meeting on August 23.

Mrs. Shults successfully completed

the State of Michigan Assessor

-

ing the highest level of Assessor

Michigan.

LOCS recognized for

accountability

Lake Orion Community Schools

has always strove to be account-

able to their students, families

and the community. So it is espe-

cially gratifying to have received

a special notice from the State’s

Department of Education recogniz-

ing LOCS as one of only 58 public

school districts out of 540 across

the state as “Notably Successful”

in the recent Michigan Education

Finance Study. The report states

that Lake Orion has achieved the

highest measure for Above Average

Academic Performance, plus

another standard for High Absolute

Performance, Growth or Special

Population. State Superintendent

Brian Whiston wrote “Your district

was held as the high water mark

resources needed to help stu-

dents be academically successful.”

Whiston commended the focus,

hard work and commitment of the

District’s administrators, School

Board, teachers, students, parents

and the community to sustain a

rigorous, high-quality learning

environment.

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September 2016 -- Lake Orion -- What’s The Biz -- 31

Orion Area Chamber of Commerce | Supporting the businesses that support your community

What’s going on?Beatles Tribute Band

“Dig A Phony”Friday, September 9th,

8 to 11 pmClassic Lanes, 2145 Avon

Industrial Dr., Rochester Hills

LO PaloozaSaturday, September 10th,

12 - 9 pm

2700 Joslyn Ct., Lake Orion

Cornhole tournament, local food

vendors, beer, live music, kids

activities and more! Proceeds

kind special needs playground in

Friendship Park in Orion Twp. $5

minimum donation and kids 12

and under are FREE.

Guest House’s 58th Annual Detroit

Bishop’s DinnerThursday, September 15th

350 Mansion Dr., Rochester (Oakland University campus)

Begins at 5:30 pm.

Barn DazeSaturday, September 17th

Friendship Park, Lake Orion11:00am until 5:00pm

Michigan Harvest Cooking Class

Monday, September 19th6:30 to 8:30pm

Victoria’s Reserve4505 Collins, Rochester

Love INC. For information call

Theresa Fiorani at 248-287-1166 or

visit victoriasdelights.com.

Oktoberfest fun for fraus and frauleins The Greater Oakland

Republican Club

(GOGOP) hosts its

Oktoberfest fundraiser

on Friday, September

23rd. The festive

German-themed party

starts at 6:30 p.m. at

King’s Court Castle at

Canterbury Village.

Oktoberfest features

a full meal, open bar,

musical entertainment

who are in contested races in the

November election.

“The Greater Oakland Republican

Club's Oktoberfest started out

with a tent in a parking lot, in the

cold, with 30 people,” says GOGOP

President Mari-Ann Henry. “In a

few short years, it has grown to an

incredible event at the beautiful

King’s Court Castle, with over 200

people attending. Our sponsors are

local merchants and the friends

of GOGOP who come

together over good

food, great music

and some

wonderful

beers and

wines.”

Mari-Ann contin-

ues, “Our purpose

is to raise money so

we can help get our

Republican candidates

are proud to say that nearly all pro-

ceeds will go to candidates in one

way or another. Come join us!”

GOGOP is made up of Constitution-

loving citizens of Lake Orion,

Oxford, Rochester Hills, Addison

Township, Oakland Township,

Auburn Hills, Clarkston and

surrounding communities who

endorse prudent government at

the local, state and national levels.

GOGOP seeks to provide political,

economic, and intellectual support

of our political representatives

through networking, aware-

ness, outreach and fundraising.

GOGOP holds monthly meetings

at Canterbury Village.

Interested residents

are more than wel-

come to attend.

Oktoberfest tickets are $20 per person. Tickets available at the door for $30 per person or $50 per couple. Sponsorships are

club/oktoberfest.html.

Knude Products. The OACC held a ribbon cutting to celebrate the new Knude showroom on August 5th. Knude Products has been working hard to refresh their showroom, and restock amazing new pieces, including fall decor. Pardon the dust! Knude Products is located in downtown Lake Orion at 27 E. Flint Street.

Meet the new Interactive Teller Machines at Oxford Bank. An iTM features personal, face-to-face interaction with a live bank teller. Make deposits and withdrawals, cash checks, do account transfers, or make loan payments! iTMs will be available from 7 am to 7 pm, Monday through Friday at Oxford Bank’s Lake Orion branch, 1115 S. Lapeer Road.

Orio

n Area Chamber

Ribbon Cut

ting

Orio

n Area Chamber

Ribbon Cuttin

g

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32-- What’s The Biz -- Lake Orion -- September 2016

436 S. Broadway (M-24) , Suite C • Lake Orion • www.porrittlaw.com

Licensed Real Estate Broker • Past Chair of OCBA Real Estate CommitteeMember of American and State Bar Real Estate Sections

James R. Porritt, Jr.

248-693-6245

Serving Orion and Oxford AreasSince 1973

ATTORNEY

Real Estate Transactions andTroubled Mortgage Relief

SIMPLE WILLS• Self directed disposition of assets• Your choice of administrator• Your choice of Guardian for minors• Your choice of Trust for minors to be set up after your passing.

“Avoiding Probate” does not justify the cost or inconvenience of setting up a Living Trust andmaintaining it for the rest of your life. Michigan’s unsupervised probate procedure isinexpensive, uses preprinted forms, avoids formal accountings, court appearances, or approvalof asset disposition.

Free InitialConsultation

Grant Fodor

Attorney James R. Porritt, Jr.

The Michigan Court of Appealsrecently affirmedthe rejection of ah o m e o w n e r schallenge to acity’s taxassessment. TheCourt ruled thatbecause thehomeowner hadnot first protestedthe assessmentbefore the board ofreview, the taxtribunal had nojurisdiction toconsider hisappeal. While owners ofcommercial properties are not

APPEALS OF TAXASSESSMENTS

required to protest theirassessments beforeappealing, residentialproperty owners are.The window ofopportunity to protestan assessment isshort. If an owner isnot paying attentionand misses anassessment that isway out of line, he orshe is just plain out ofluck. Closelyexamine your annualnotice of assessmentat the first of the year

to consider whether a protest iswarranted.

During your working years, your primaryinvestment goal is generally growth – youneed your money to grow so thatyou can eventually afford the com-fortable retirement lifestyle you’veenvisioned. But when you retire,should you adjust your investmentstrategy from “offense” to “de-fense”?

Even while you are working, youdon’t want your portfolio to becompletely filled with growth-ori-ented investments, such as stocks.If it were, you would likely be tak-ing on a degree of investment riskthat’s too high because stocks will fluctuatein price – sometimes significantly. And if youonly own stocks, you could take a big hitduring a market downturn. That’s why youneed to have an array of investments – stocks,bonds, certificates of deposit (CDs) and soon. By spreading your investment dollars thisway, you can give yourself more opportuni-ties for success while reducing the impact ofvolatility on your portfolio.

Now, let’s fast-forward to your retirementdate. Once you retire, you may need to lookat your investment portfolio somewhat dif-ferently – instead of “building it up,” youmay now want to think of “making it last.”So, your first impression might be that in-stead of maintaining the diversified portfolioyou had when you were working, you needto switch to predominantly “safe” invest-ments, such as CDs and Treasury bonds, toreduce the risk of losing principal.

Diversification Is Still Important for RetireesAnd such a strategy might indeed be effec-

tive – if your retirement were only going tolast a year or so. But the chances arereasonably good that you could be re-tired for two, or possibly even three,decades. If that’s the case, then youwill have to deal with a threat to yourlifestyle that you might not have con-sidered: inflation. We’ve had low infla-tion for several years, but that couldchange in the future. .

To protect yourself against inflation,you will find that investments such asCDs and Treasury bonds are typicallynot much help. In fact, in a low-rate

environment, your returns on these invest-ments may not even keep up with inflation,much less keep you ahead of it. That’s not tosay they have no value – they can provideyou with an income stream and help loweryour overall investment risk.

But to defend your purchasing power, youwill still need some growth potential in yourinvestment portfolio during your retirementyears.

Your exact percentage of stocks and othergrowth-oriented investments will depend ona variety of factors – your projected longev-ity, other sources of income, family situation,risk tolerance and so on. You may want toconsult with a financial professional to en-sure that your portfolio mix is suitable foryour needs.

Many things may change in your life whenyou retire – but the need for investment di-versification is not one of them.