Money is often a stressful topic, and the desire to feel more confident about our financial future is a shared sentiment. As we usher in a new year, financial resolutions are almost as popular as weight loss ones. But what actions have you mapped out for this year to benefit your financial life and move you closer to your dream retirement?
Here’s a blueprint for making 2024 the year you finally take control of your finances and embrace a future filled with financial confidence.
1 – Create a Detailed Financial Plan and Write it Down: If you’ve ever felt like you’re spinning your wheels financially, juggling various goals without a clear direction, you’re not alone. The first step to financial empowerment is to take the time to create a detailed financial plan. Most people are overwhelmed by this and don’t know where to start. Outline your short-term and long-term goals, including savings, retirement contributions, budgeting, and emergency fund building. Putting your plan in writing provides clarity and accountability, helping you track your progress and celebrate your successes.
If you already have a financial plan, the start of a new year is a great time to review it. What is going well? What needs to be adjusted? If you are not confident about your direction, it may be time to get a second opinion.
2 – Understand Your Risk Exposure and Align Your Investments Appropriately: The more you improve your financial education, the more confident you will become. One of the keys to financial success is understanding and managing your risk exposure. A holistic financial plan considers your risk tolerance, time horizon, and financial goals. Aligning your investments appropriately ensures that your portfolio is working in harmony with your overall strategy, helping you confidently navigate the ups and downs of the market.
3 – Prioritize Saving for Retirement and Planning Your Distributions: Saving for the future is a cornerstone of financial well-being. Ensure that you’re not only contributing to your retirement accounts by making it automatic each month so that other expenses can’t prevent you from doing so. Also, ensure that your investment strategies align with your retirement goals. Ask yourself, “What income will I need to live out my retirement how I want to?” Focus on strategies to create the income you need without needing to rely on the stock market to cooperate. You want guaranteed income sources so you can count on reliable income when you need it most – no matter how long you live or how the economy performs.
4 – Work with the Right Professional Who Will Educate You: Not all financial advisors are created equal, and finding the right professional can make a significant difference in your financial journey. Seek an advisor who goes beyond traditional advice, one who is committed to educating you about your financial options and empowering you to make informed decisions. A true partner in your financial journey will help you build a retirement strategy that goes beyond market trends, focusing on your unique needs and aspirations.
You deserve financial confidence and the peace of mind that comes with knowing your retirement is secure and you can never run out of money. To support you in this journey, I invite you to take advantage of our complimentaryRetirement Income for Life Blueprint. This valuable tool will guide you through the decisions you can make today to design a retirement that aligns with your dreams.
Together, let’s make 2024 the year you take control of your finances and embrace a future of financial freedom.
Wishing you a prosperous and confident New Year!
Investment advice offered through Copia Wealth Management Advisors, Inc.
Copia Wealth Management Advisors, Inc. is a registered investment advisor.
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Studio S
SEPTEMBER 11, 2026
Vi at La Jolla Village – Senior Living in the Heart of Everything
At Vi at La Jolla Village, residents don't have to choose between security and adventure, connection and independence. They get all of it.
Today’s seniors are more connected than ever, with a renewed focus on retirement as a time of discovery and enriching experiences. The ultimate reward for a retirement well-earned is the wisdom to appreciate it all, and what better place to enjoy that unique perspective than Vi at La Jolla Village, in the heart of San Diego.
All-access pass to good living.
As a Continuing Care Retirement Community (CCRC), Vi provides access to a connected and fulfilling community while making it easy to plan for future care, should the need ever arise. With a care plan in place, residents enjoy greater financial predictability and long-term value, freeing them to focus on making the most out of retirement.
Resort-style amenities at the epicenter of a cultural hub like San Diego offer a retirement experience unlike any other. Paired with exceptional dining, spacious accommodations and dedicated staff, the best of maintenance-free living is all around. And with the introduction of Vista 360 Well-Being, Vi’s panoramic approach to wellness, there are more ways than ever for residents to access it all.
The harmony of mind, body and community.
Courtesy of Vi at La Jolla Village
The key to longevity is striking the right balance in maintaining an active lifestyle with an active mind in a fulfilling community. With newly renovated community spaces and restaurants, Vista brings a variety of opportunities for residents to elevate their well-being through Vi-exclusive “Signature Experiences.”
Vista Enrich takes an evidence-based approach to brain vitality, keeping residents at the forefront of cognitive health through exergaming (exercising + gaming), nutritional plans and informative workshops. It is also home to The Brain Vitality Studio, an innovative facility dedicated to cognitive fitness that has garnered national recognition.
Vista Discover invites residents into stimulating educational experiences, from chef-led cooking demos and guided wine tastings to lectures at local universities and intimate lectures following cultural outings.
While Vista Enrich focuses on brain health and Vista Discover engages residents intellectually, Vista Explore cultivates a sense of adventure through curated travel and local excursions. But broadening one’s horizons doesn’t always require a plane ticket. One recent event brought a taste of the world right to the community: an onsite “jazz cruise” featuring live music and global cuisine served at a series of themed “ports” all within the community’s own ballroom.
“Location, location, location”
Courtesy of Vi at La Jolla Village
One of the biggest perks of life at Vi at La Jolla Village is its proximity to just about everything. With easy access to transportation and local attractions just steps away, residents can explore and engage with their community at their own pace.
“There are trolley and bus stops within a 5-minute walk that will get you to the beach, UCSD Campus, medical appointments, downtown La Jolla or San Diego, et cetera. We rarely use our car,” said resident Tom Yager.
With the best of San Diego just steps away, residents don’t just live in the city, they live within reach of everything that makes it special.
The best of all worlds.
Courtesy of Vi at La Jolla Village
At Vi at La Jolla Village, retirement isn’t a chapter to slow down; it’s an invitation to discover more. Tailored community experiences created by Vista, paired with the vibrant pulse of San Diego just outside the door, mean that residents don’t have to choose between security and adventure, connection and independence. They get all of it.
This is what an all-access pass to good living looks like: the comforts of an elevated lifestyle, a community built for growth and a city made for discovery – all in one place.
To learn more about Vi at La Jolla Village or for details on available floor plans, visit ViatLaJollaVillage.com/SDM.
It’s fall again. You’ve done the cider tasting. You’ve done the three-legged race at the rec center down the street. You’ve done the craft fairs and candle-making class but have you pedaled down a railroad track built in the 1880s in a two-person, auto-assisted Railbike with the wind blowing through your hair as you take in the sights—citrus groves dotted with bright yellow lemons, sun-drenched mountains—and stopped at a pumpkin patch (with a petting zoo!) along the way?
Enter Sunburst Railbikes in Santa Paula, the bucket-list experience your bucket didn’t even know it was missing. Until now. “It’s the perfect escape from the city, from the hustle and bustle,” said Nicholas Martinez, who, as a manager and frequent guide for the Railbikes, has taken more than 500 rides and wants to do at least 500 more. “It’s exhilarating.”
It goes like this: You meet at the quaint historic Santa Paula Depot and hop on a bike, one specially created to perch snugly on the tracks. Because of the electric assist, you get to be as lazy or overachieving as you’d like. Kids three years old and up can do it, too. The whole journey is 10 miles and takes two hours, during which you take in fresh air and listen peacefully to the hypnotic clickety-clack while snaking in and out of lush groves. In April and August, you’ll see the avocado harvest. During fall, it’s all about the lemons. “It’s just a thrill to be gliding along,” says Martinez, explaining the uniqueness of the experience. “It’s like nothing else.”
The activity is a fit for all ages, with children under three riding in a front-facing chest carrier. Adults love the feeling of freedom. Kids love railroad crossings. They often wave at the stopped car traffic as they cruise by. “It’s such a hoot!” says Martinez.
Courtesy of Sunburst Railbikes
Toward the end of the journey, there’s a stop at Prancer’s Farm, a local business which is pretty much the holy grail of October activities. You can buy local produce like avocados, strawberries and honey, but also zipline, pet animals, pick a pumpkin or fresh produce, and go on hayrides or horse rides, get lost in a corn maze, pose in a marigold field or a sunflower field, ride a barrel train or…or…or maybe all of the above.
You’ll also experience a bit of history along the way. The tracks, laid down in 1887, used to shuttle passengers between Los Angeles and San Francisco. You can envision it as you go—travelers embarking on big trips before air travel. Later, in the 1940s and ’50s, freight trains used the tracks to haul fresh citrus.
It’s still a working railroad today, but it’s also a bit of a celebrity. The very tracks used by the Railbikes have been in more than 500 television and movie productions, everything from a Dr. Pepper commercial to the feature film Seabiscuit. So yeah, riding those tracks is Hollywood adjacent, kind of like meeting a well-known prop like the sofa from Central Perk.
While driving up from San Diego and back in one day is possible, you can easily turn the occasion into a fun weekend getaway. The cute-as-heck town of Ojai is a short car ride away. Think idyllic meanderings through nature, picturesque historic downtown and top-notch food choices. Ventura, equally close, is a chock-full of craft breweries and beach walks. Book a night somewhere and indulge.
Fall has plenty of traditions. So yes, you could spend another autumn afternoon at another craft fair. You could make some soup or play pin the stem on the pumpkin, but you also might want to climb aboard a Sunburst Railbike, pedal down a 139-year-old railroad track, wave at confused motorists and make an entirely unique core memory for you and your people.
Come experience the Sunburst Railbikes for yourself during their year-round trips through the citrus groves – sunset, extended, and other themed rides available seasonally.
Though shock waves may sound like something more likely to cause pain than relieve it, physicians have been using the technology to treat musculoskeletal conditions for decades. Shockwave therapy is a non-invasive treatment used in sports medicine for a variety of tendon, muscle and ligament injuries. By delivering acoustic energy via targeted sound waves, it activates the body’s natural healing processes. Scripps officially launched its shockwave therapy program earlier this year, making it one of the first major healthcare organizations in the region to offer the innovative service. Click here to read more about shockwave therapy and the doctor who advocated to bring the treatment to Scripps.
For more nutrition, wellness, and healthy living tips, sign up for the San Diego Health newsletter here.
It’s estimated that one in four adults in the U.S. have high cholesterol. It’s a condition that’s preventable and treatable; however, it often has no symptoms, so many people are unaware they have it. That puts them at higher risk for heart attack or stroke. A recent update to national guidelines for preventive cholesterol screenings, the first since 2018, aims to change that by screening and intervening earlier, and calculating long-term risk differently. Click here to find out more.
For more nutrition, wellness and healthy living tips, sign up for the San Diego Health newsletter here.
Atrial fibrillation (AFib) is the most common cardiac dysrhythmia, affecting more than 10 million people in the U.S. The condition, characterized by an irregular and often rapid heartbeat, raises the risk of stroke, heart failure and death. Advances in electrophysiology, a subspecialty of cardiology focused on the heart’s electrical system, are transforming how AFib and other dysrhythmias are diagnosed and treated. Scripps electrophysiologists use state-of-the-art therapies—some of which they helped develop. They were instrumental in the pre-FDA approval research for an effective new treatment, pulsed field ablation, and are on the forefront of other innovative treatments. Click here to learn more.
For more nutrition, wellness, and healthy living tips, sign up for the San Diego Health newsletter here.
A relatively new therapy called basivertebral nerve ablation (BVN) that uses radiofrequency to effectively burn the nerve pain away gave marathon runner and single dad Kenny Lopez his life back. Kenny suffered a debilitating injury in April 2024, while lifting his toddler out of his car seat. He described the pain as nothing he’d experienced before. While looking for an effective treatment option, Kenny met Scripps Clinic physiatrist and interventional pain specialist Kevin “Buzz” Barrette, MD, who recommended BVN. After some hesitation and pushing through the pain during two marathons, Kenny was ready to give it a try. He underwent the BVN procedure in October and relief was nearly instantaneous. Click here to read more about the procedure and how it helped Kenny hit the ground running.
For more nutrition, wellness, and healthy living tips, sign up for the San Diego Health newsletter here.
