e-Compass – May 2014

A Journey Through Retirement

This edition’s client feature is the Cheadle family. Randy and Kathy’s passion for life and adventure is fun to read about and we thank them for sharing some of their retirement highlights with us.

An interview with Client and ARCO/BP retiree, Randy Cheadle.

Retirement. What does it mean to you? For many, retirement is a time to relax and kick up your heels. Relaxation might be sitting on the porch with your spouse and reflecting on the life you have built. For others, relaxation is pulling out that dusty suitcase and pursuing that bucket list you started years ago. For many, it also means spending quality time with your loved ones around the dinner table.

For Randy and Kathy Cheadle, retirement means pursuing their passion for life and adventure. In 2009 Randy and Kathy bought their motorhome, and ever since have been traveling all across the West. Some of their favorite destinations have been Yosemite, Bryce, Zion, and Yellowstone. Like many who travel by vehicle long distances, Randy and Kathy enjoy stopping off and taking in the scenery—and of course the wine. “You can’t beat the Oregon coast and Washington Wine Country!” says Randy.

One of the most common goals people have for their retirement is to travel abroad. Traveling enhances your life and keeps you young at heart. While some choose to remain a part of the workforce, Randy and Kathy have traveled to some amazing places including Asia, the Middle East, the Mediterranean, South America and even Antarctica. Their most recent excursion was to Africa, which quickly became their favorite thus far. Kathy had this to say, “Gracious people, cute kids and, of course, the animals in the wild all contributed to an unbelievable trip.

Despite their adventures, the Cheadle’s enjoy spending time with their children and grandchildren. Since the early 1970’s Hawaii has been a favorite winter destination for the Cheadle’s. Recently, they purchased a condo on the Big Island where they bring the whole family. In November they took the whole troop to Disneyland, “we will never forget the excitement in the eyes of our grandchildren.”

Retirement to Randy and Kathy is pretty close to perfect. Having the opportunity to enjoy retirement with someone you love and sharing the experience with family and friends is a great way to spend time. Indeed, the Cheadles say that their favorite part of retirement is “enjoying our family, friends, and enjoying life to the fullest.”

On behalf of everyone here at Multop Financial, we would like to thank Randy and Kathy for their business. It’s an honor to have been serving as their advisory team since 2009.

Congratulations to the Class of 2014

Many of our clients have children and grandchildren graduating high school this year. Congratulations to them all! In particular, several of you have been asking after Matthew Multop, Phil and Melanie’s son who is graduating from Mt. Baker High School this month. Matthew has had a very successful high school career, especially during senior year as he served as team captain of the varsity golf team, leadership member of the jazz band and winner of the Jason Roland Inspiration Award for his dedication to the Mountaineer marching band.

His good grades earned him the Arizona Excellence scholarship for University of Arizona in Tucson, where he will attend the Eller College of Business beginning this fall. Matthew plans to continue his trumpet playing career in the Pride of Arizona Marching Band, which is most exciting since University of Arizona was voted “Best in School Spirit” out of all colleges nationwide. Go Wildcats! Great work, Matthew – your family and friends couldn’t be more proud! And to all of our clients and friends who celebrate graduates this summer – enjoy the festivities, be safe and congratulations!

Traditional English Trifle

There are countless renditions of Trifle. This is a British-Canadian version. This recipe is more of an assembly project rather than cooking. But it’s nice to make your custard from scratch if you can. And, freshly whipped cream is SO MUCH better than out of a can. Please make fresh whipped cream!

My great aunt would make her cake or jelly roll from scratch, but who has time for that these days? Y ou will need a lovely, high-sided glass dish. It’s best to make this several hours before serving – ideally you want it to chill in the fridge for at least 6 or 8 hours before serving.

Ingredients are:

  1. Pound Cake, Sponge Cake or Jelly Roll to line the bowl
  2. Strawberry or Raspberry preserves (if jelly roll is being used, no preserves are needed).
  3. Drinking Sherry or light port wine – something delicious, this is the place to splurge.
  4. Sliced peaches (drained well, if not fresh.) And a combination of berries is excellent.
  5. Vanilla Custard (slightly cooled, not hot)
  6. Slightly sweetened Whipped Cream (I like to put a tiny bit of Amaretto in it for extra interest)
  7. Decorations such as toasted almonds, chocolate shavings, sliced fruit.

How to make it:

  1. If sponge or pound cake is being used, slice it up and gently spread generously with preserves on one side.
  2. Line the bowl, bottom and sides, almost to top, with preserves facing inward.
  3. It’s nice to make it look pretty, so you can have fun by alternating the cake with fruit for visual effect.
  4. Next, drizzle sherry or wine over cake until cake is slightly moist. (It absorbs, so you can be generous).
  5. Now it’s time to lay the fresh fruit in a single layer, along the bottom and up the sides.
  6. Prepare custard according to direction. Cool down.
  7. Layer the custard, spreading it evenly over as much of the cake & fruit as possible.
  8. Press plastic wrap directly on top of custard to prevent skin from forming.
  9. Chill until the custard is completely cooled, then remove the plastic wrap.
  10. When chilled, repeat layers in the middle if the bowl is big enough.
    (perhaps there is enough room for just a few more pieces of cake & fruit)
  11. Finish with a layer of Whipped Cream.
  12. Decorate with toasted almonds, chocolate shavings, sliced candied cherries, raspberries, sprinkles, mint leaves, whatever your heart desires that still looks classy and sophisticated!
  13. Seasonal decorations are always nice. Traditionally, whipped cream is piped along the edges.
  14. To serve, use a long-handled spoon and dip deeply into the trifle to gather some from the bottom and upwards.
  15. It’s also fun to make individual servings, assembled and served in glass dessert dishes or martini glasses.
  16. But nothing is as traditional is that big bowl of trifle served with strong coffee or tea at the end of your family celebration.

I hope you enjoy trying this. If you do, please send us a photo!

Multop Financial Team Focus

Michael & Ginger’s Boating Adventures

Michael Lamoreux, our Tax & Accounting Department Manager, shares a story about his life on Lake Whatcom, and the gorgeous wooden boat that he enjoys each summer with his wife Ginger in the passenger seat!

MF When did you first get interested in boating?

ML My great uncle & aunt owned a 1928 summer cabin on Lake Whatcom. They also had several old wooden boats, which were stored in their lake boathouse. After my uncle passed away, my family purchased the lake property in the 1950’s. My father introduced me to boat maintenance at an early age. We restored an old 26-foot wooden lake boat that was hand built during the 1930’s by my uncle. We also owned several smaller wooden boats and a 1957 Bellboy Banshee, which was a beautiful fiberglass boat which we used exclusively for waterskiing. The maintenance was not as extensive as the older wooden boats.

MF What made you choose your 1961 Chris Craft ski boat?

ML Growing up on Lake Whatcom was a wonderful experience. There were so many spectacular old wooden boats used for water skiing and other personal watercraft activities. Some of these beautiful old wooden boats are still visible and flourishing on Lake Whatcom today.

In 1994, I searched for an older wooden boat that would remind me of the great experience and exciting times we had growing up with the boating activities on the lake. After searching throughout the United States I found the 1961 Chris Craft Ski Boat in Kansas City. I was looking for the Chris Craft style and wanted a boat that was recently restored with limited startup maintenance.

The 1961 Chris Craft Ski Boat was the last year that the Chris Craft Boat Manufacturer made an all wooden mahogany boat. The Chris Craft Ski Boat is 17 feet with a Chris Craft 185hp V8 engine with a four barrel carburetor. The dual head exhaust system adds additional excitement and produces a great sound when the boat is idling and in motion. Ginger calls it our “Harley” in the boathouse when it starts up.

MF Where did the boat take you this summer? Where are your favorite places to go?

ML The boat has never left Lake Whatcom and is stored during the winter months in our lake boathouse. We use the boat mainly for taking morning & afternoon trips during the summer months to view the ever changing waterfront landscape. Cruising beyond the Island at the other end of Lake Whatcom is one of our favorite spots during the summer months.

Before we begin the start of the summer boating season I generally do some annual boat and engine maintenance to get ready for the annual 4th of July boat parade on Lake Whatcom. Last year I sanded and painted the bottom of the boat. Next year I will begin the long journey of sanding and layering some new fresh varnish on the sides and deck. After getting the boat ready for the boating season, we take the boat out several times during the summer and cruse the length of the lake to enjoy the beautiful sights and sounds.

MF What advice would you give to those interested in getting involved in boating?

ML First of all, remember that the true meaning of the word “BOAT” has a darker and deceptive side which stands for “Bring On Another Thousand,” which definitely has some underlying truth when you have an old wooden boat to maintain. Therefore, if you have the time and the money to invest then maintaining an old wooden boat can be quite rewarding. Otherwise, buy a newer boat with minimal maintenance issues. The main thing is to enjoy the overall boating experience!

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