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Destination Nevada County

Premium visitors magazine for Nevada County produced by the Grass Valley Chamber of Commerce

A WEALTH N e v a OFd a

A WEALTH N e v a OFd a Co u OPPORTUNITY By Mary E. Owens Owens Estate & Wealth Strategies Group When I look back at my childhood and early adult years, I know I was blessed with some very special memories in my life. I grew up in the San Francisco East Bay area in Lafayette. I was able to ride my bike safely just about anywhere. Saturday afternoons were frequently spent in creeks catching newts and polliwogs. In the summer evenings the neighborhood kids would get together and play “Kick the Can” for hours. It was a perfect place for kids to grow up and experience “real” life. As I grew older I was able to get local jobs when I needed them. Lafayette was a small town then. Just about everyone knew everyone. If you moved there, you become part of the community quickly. That small town atmosphere made my confidence grow as I served the public in my “starter” jobs. If you know someone, it’s a lot easier to please them than a total stranger. I loved where I lived. I loved my small town and everything about it. But as I started to experience adulthood, things began to change. After I graduated from college and started a career as a CPA, I wanted to own a home and open a business of my own. I began to understand my small town and my greater community no longer had the opportunities for me that previous generations had enjoyed. Yes, jobs were plentiful, but the lifestyle had changed. The cost of living was stretching the budget to unforeseen levels, even with an above average paying job. My daily commute to San Francisco was getting more than tiring. Then BART went on strike and my life just got intolerable. I started to look around and questioned “Is this the place of opportunity any longer?” Lafayette experienced growth like all the San Francisco Bay area communities. They were no different. Traffic congestion, freeways overflowing, rental rates out of sight, and housing so expensive it took your breath away. My heart yearned for a return to a softer and easier way of life. So I started looking around on weekends at various foothill communities. I was contemplating what was unthinkable to most at the time. “You are actually considering leaving the San Francisco Bay area?”, people would ask in amazement. “This place has so much opportunity!” But in my mind the question was “opportunity at what cost?” So my search for a new home for both my “heart” and a “good place to start my own business” continued. This intensive and thorough search led to the next blessing in my life. It was Nevada County. It is here that I was able to start several highly successful businesses. But I am not alone in my migration or my success. Large numbers of our residents moved here because they had the same desires I held while living in a highly congested urban area. Either they were retirees looking for a less stressful and expensive retirement community or hard working people looking for more opportunity in life. Our business community has blossomed because of this “migration” away from high costs and stress. Nevada County is one of the largest “rural technology clusters” in the United States. We are rich in arts as well. Grass Valley, Nevada City and Truckee enjoy “Cultural Art Districts” designations. Our recreational opportunities are second to none. Our structure costs are very competitive and still close to major market areas and airports. It is no surprise that Nevada County is referred to by many new residents as “God’s Country.” If you are considering a move so you too can enjoy a lifestyle change, you owe it to yourself to discover Nevada County. 182 DESTINATION Nevada County

• Asset Management • Retirement & Financial Planning • Estate Planning • Lending Solutions • Liquidity Analysis • Life, Long-term Care & Disability Insurance • All Types of Retirement Saving Plans • Cash Management • College Financial Planning Guidance and Solutions for Li f e ’ s Transitions Successful financial planning will impact every part of your life. Change is ongoing in our work lives and our personal lives, sometimes happening suddenly and sometimes evolving over a long stretch of time. Our business is to help you feel confident as you move through life’s passages, and to give you true freedom to be retired when you reach that important goal. We can help you move toward stability, security, and financial independence through careful planning and preparing for the unexpected. We provide the highest level of service and integrity to each and every client. Because everyone’s needs are different, we listen closely and work hard to understand your current situation and your financial needs and goals. Our decisions and strategies are based on a combination of third-party research and our own in-house analysis. Strong connections are maintained with fund managers and strategists throughout the investment community, because appreciating the market's view is as important as formulating our own. Keeping abreast of developments within the investment markets, as well as the broader financial climate, helps us gain insight. It gives us a greater appreciation of where the investment market is heading in the future. The better informed we are, the better we are equipped to aid your investments. We welcome your inquiry, even if you think your needs or assets are modest. Our friendly, professional and straightforward personal approach is a hallmark of our business, and we look forward to serving you. Mary Owens, CPA, MS Branch Manager, RJFS Managing Principal 530-272-7500 426 Sutton Way, Suite 110, Grass Valley, CA 95945 Securities are offered through Raymond James Financial Services, Inc. member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Owens Estate & Wealth Strategies is not a registered broker/dealer and is independent of Raymond James Financial Services, Inc. There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss. Please consult a tax or legal professional for advice on tax or legal issues. DESTINATION Nevada County 183 *Services provided by Raymond James Bank, an affiliate of Raymond James & Associates, Inc. and Raymond James Financial Services, Inc.