25TH ANNIVERSARY ISSUE

OF INFORMATIVE ARTICLES,
OUTSTANDING PHOTOGRAPHY,
AND A TRUE CELEBRATION OF
THE GOOD LIFE ON THE COAST
G ROUN D YOURSELF I N SO U TH ERN G L A MO R
Find your perfect place in the sun at Solis. With all of the glitter and glimmer
you’d expect in a unique, luxurious retreat, this jewel of Orange Beach can be
your sophisticated southern sanctuary fit for family, fun, and active adventures.

SOLISOB.COM

Pre-sales Now Open at our Sales Center • 25802 Perdido Beach Blvd., Orange Beach, AL 36561
LUXURY RESIDENCES FROM 1,47 1 SF TO 3,248 SF.

CI N DY G RI CE 24499 Canal Road, (251) 968-3396

M 251 942 9284 • Cindy@SolisOB.com
Orange Beach, Alabama 36561 cocoislandfurniture1@gmail.com
Monday - Friday 9:00am - 5:30pm • Saturday 10:00am - 5:00pm • Closed Sunday
 Finest
COME VISIT OUR
SHOWROOM
MON-FRI 8AM-5PM
BUILDING THE

KITCHENS & BATHS ON THE GULF COAST

CABINENTRY
FLOORING • TILE
COUNTERTOPS
E!
AND MUCH MOR

16020 S GREENO RD | FAIRHOPE, ALABAMA | (251) 929-3475 | coastalstonefairhope.com

THE PUBLISHER’S LETTER
DECEMBER/JANUARY 2023-2024

Dear Readers,

I first want to say thank you for supporting the publication Additionally, we have included all the magazine covers from
for the past 25 years. I am not sure where to begin because the last 25 years. Please vote for your favorite cover on our
there are so many people that I want to thank for making the Facebook page – we will be excited to see the results from our
last 25 years possible. biggest contributor, the readers.

I am truly grateful for everyone who has helped me develop, Finally, I would like to express my gratitude to my family and
design, and create this magazine into what it is today. Reflecting staff for their unwavering support and dedication over the
on past issues, I had no idea that this publication would be as years in bringing the vision of this publication to life. Without
successful as it is today. you, none of this would be possible.

As you read through this issue, you will notice that we Cheers to 25 More Years,
incorporated the top 10 houses we have featured that reflect
the spirit of what this magazine is all about: innovative designs,
timeless style, and influential trends.
Mitch Roberts, Publisher

6 | Coastal Lifestyle Magazine

 IN THIS ISSUE
DECEMBER/JANUARY 2023-2024
11 54
A LOOK BACK
Join us on a nostalgic journey as Coastal
Lifestyle Magazine turns 25, celebrating
the enduring allure of home design along
the breathtaking Emerald Coast in our
Publisher's Top 10 Picks.
24 JOHN-RICHARD MIRROR DESIGN
Discover the Artistry of John-Richard Mirror Design – Where
Creativity and Craftsmanship Meet to Transform Your Home.
42 PENSACOLA MARKET WATCH
Navigating the Pensacola Real Estate Market with Kevin Fox
of Olde City Realty – Uncover Insights on Risk, Reward, and
Strategies for Thriving in Uncertain Times.
70 MERCEDES G-WAGEN SUV: LUXURY IN
BLACK & WHITE
The Perfect Combination of Rugged Beauty and
Awesome Beast, The Mercedes-Benz G-Class has a long
History of blending Raw Power with the Creature Comforts
of Luxury Driving.
8 | Coastal Lifestyle Magazine
WINTER 2023
PUBLISHER & DIRECTOR OF SALES PHOTOGRAPHY
Mitch Roberts, mitch@coastallifestylemagazine.com Summer Davis • Tim Kramer
Keyside Visuals • Marissa Thetford
ASSOCIATE PUBLISHER McCain's Creations Photography
Lauren Gall, lauren@coastallifestylemagazine.com
CONTRIBUTING WRITERS
EDITOR
Sabe Fink • Jen Callan • Matthew Adams
Travis Glover, travis@coastallifestylemagazine.com
Melissa De Valcourt • Beth Schadler • Ajer Roberts
CREATIVE DIRECTOR
Keith Sims, keith@coastallifestylemagazine.com Coastal Lifestyle Magazine
P.O. Box 4824 • Pensacola, FL 32502
(850) 712-8468 • coastallifestylemagazine.com
MAGAZINE STYLIST
Michelle Roberts
Coastal Lifestyle Magazine is published bimonthly by Coastal Lifestyle Magazine, LLC.
SALES ©2023 All Rights Reserved. No part of this publication may be reproduced, either whole or in part,
Stuart Roberts, (850) 712-8468 in any form or by any means without the prior written permission of the publisher.
46 96 GRAND 104 MONEY
FIRST IMPRESSIONS: OUR HOW THIS ALL STARTED CRAFT BOATS: BRIDGING HERITAGE SENSE: HOW CAN I MAKE THE
Join the inspiring journey of Mitch Roberts, AND INNOVATION MOST OF MY INHERITANCE?
COVERS OVER THE YEARS
publisher of Coastal Lifestyle Magazine,
Celebrating a Quarter-Century of Cover Explore the timeless elegance and modern marvels of boat What you need to know about the recently passed law
celebrating 25 years of excellence and 120
Art: A Reflection on 25 Years of Gulf remarkable editions, all while shaping the building with the Burnham, Clybourn, and Winchester models that could revolutionize planning for people of all ages.
Coast Culture, Homes, and Cuisine in Gulf Coast community's distinctive lifestyle.
in these maritime masterpieces.
Coastal Lifestyle Magazine.
76 THE PIANO: A TIMELESS INSTRUMENT AND
HOUSEHOLD CENTERPIECE
Explore the enduring allure of the piano, a timeless instrument
that serves as both a cherished heirloom and a focal point of 86 SPRE ADING JOY:
MARINES TOYS FOR
homes, and discover the key considerations when choosing
the perfect piano for your musical journey.
TOTS PROGRAM
As the holiday season approaches and the spirit of giving
80 2023 GIFT GUIDE: ALL THINGS SILVER
warms our hearts, there's one organization that shines
brightly with its unwavering dedication to spreading joy to
In Recognition of our 25th Anniversary, we thank Bill Wismar
children in need - the Marines Toys for Tots program.
Jewelry, Coco Island Silver, Haus Of Hue and Lovelace
Interiors for presenting these stunning silver gift ideas.
90 GULF COAST MARKET WATCH
Want More
Expert realtor John Baldree sheds light on the current
real estate market's prudence and offers a positive
Coastal Lifestyle?
perspective on how buyers and sellers can take advantage @CoastalLifestyleMagazine
of current conditions.
coastallifestylemagazine.com | 9
 HIGH-QUALITY COPPER OUTDOOR LANTERNS

EXPERIENCE THE PARC LIGHTING DIFFERENCE!

DUCE & COMPANY, Designer

GREG RIEGLER, Photography

T uasped mi, atus inveles alignis nulpa nonserovitis

rem harum que plition non pre, sitas alicias sima

a look back
perspero blanis doluptatur, es ut fugia sunt facil incias
endis autatur? Tem lab inveles repre re ea dolor rera
simodi consequi bero blacess imilita estiandi conet,
simporerunt volore porestem. Sa verorrum rem. Ut

PICTURE PERFECT voluptinis plaudam, quid es rem liquaerrum, acculla

ped quis ernatem sandignam, nis ius raercim illorem

PENTHOUSE
A Stroll Down Memory Lane with
ipsam que prae volum imus ellaut fuga. Harioreprae
the Publisher's
ratur, commostemTop 10 Picks eiur?
eumquaectore

Necta apid molora vella num rerferumquo blaccuptati

WELCOME TO PARC LIGHTING! I n the world of home design, there's a timeless elegance
that transcends trends, a feeling of warmth that defies
changing seasons, and a sense of beauty that stands the
Living on the Emerald Coast means waking up to the gentle
saest maximet eum doloris doluptaquas non est aut
murmur of the turquoise Gulf waters, feeling the powdery
laccusam illeserum qui consed millabor saped quo is ad
white sand beneath your toes, and experiencing the beauty
We are proud to be your trusted source for luxury quiassus sit, vero idigeni endipsae dit eum dolessi odit,
test of time. As Coastal Lifestyle Magazine turns 25, we of coastal life. The homes nestled along this stunning coastline
gas and electric lighting solutions. Our team has si doloris reseque quunt volum ad magnatur repudae
take a nostalgic journey through our past issues to present capture the essence
magnate of coastal
omnisinvel ist utliving, from expansive
optaspidus windows
unt eseris sint
over 35 years of experience manufacturing and
designing high-quality lighting and accessories for the Publisher's top 10 favorite homes that encapsulate the thatharitaspe
invite in the panoramic views to the serene, beachy
nobitis ea nimpos es essimusa culliquame color
OVER 35 YEARS EXPERIENCE essence of enduring design. palettes
homes and businesses across the country. premthat
nosreflect
sumquethe into
shimmering
maximusdaewaters.commoluptam
COMPLIMENTARY DESIGN SE R V I C E iduciunt aute sant offic tem que nem. Ceaquos et et que
Experience the Parc Lighting difference! These remarkable homes, featured in our past issues, These homesinciunt
are a testament to the marriage
CRAFTED TO LAST A LIFETIME solorem qui remposa picipie ndant.of architecture
WE WOULD LOVE TO ADD YOU TO OUR FAMILY. have left an indelible mark on the area’s architecture and and environment, where the elements of nature become
interior design. Each one is a testament to the enduring integral to the design.
Sequasinvel imagnisThey capture
doloriate the easy,
se volum es etbreezy,
experroand
allure of well-crafted spaces that cater to both aesthetic relaxed
et ablifestyle that living
int moluptat in thisperissed
et modita area offers.
ma Every room in
vitia ipsam,
and functional needs. They are a testament to the skill, these homesduntiun
quiduci tells a story of thesinctur?
temque owner's vision,
Qui sum froma the cool
velit
innovation, and passion of the architects, designers, and andatem
inviting
autet quo quas excerum, ipsam nobis imolliquithat
interiors to the lush, well-manicured gardens
homeowners who created them. harmonize
aliquias with theque
sitiam, natural beauty of
erionsedia theeictoribus.
nim coast. Puda
voluptatur sit dolupti scipidu ciassit aectibea quo ma
While we celebrate the homes, we also celebrate the We quate
regret repreresecte
not being able to show
magnis more ofitiustotassi
autemod the homesconsed
that were
location where they thrive. Our home here on the featured
quo quiain these
que nuspages overetthe
dollam molast 25 years.
tempori Be hillesc
berferc sure that
breathtaking Emerald Coast is a place that's not just a setting ipitinulles
every home that doluptasit, omnis
has graced volo
these es dolora
pages nobitiumthe
has embodied
but an essential character in the story of these homes. incim beauty,
enduring eum eaquam, quisimendam
innovation, et, commolorro
and celebration of this beautiful
molecae volupta speruptat haruptas etur
place we call home. Here's to another 25 years of bringing rae duntyou
the faccatur, invenis
best in home quamendist
design, facerchitiathe
and celebrating doluptas
enduring molor
charm
as eaqui
of coastal dolore sum fuga. Illupta tempori orpore et
living.
que voluptaquam earum experis debita cullati debit
FOR ASSISTANCE CALL (833) 538-2258 debiste lia cus. Obit andi consequid estios alitaquis
rae molut dolore exerat fugiat facerum rem dolecatem
CUSTOMERSERVICE@PARCLIGHTING.COM | PARCLIGHTING.COM
faccusanihil maxim audis coastallifestylemagazine.com
dolesequis etur a plam essi | 11
dolorempos ipientio omnihitatiis quasi audae elestrum
 DUCE & COMPANY, Designer

I t isn’t often that “penthouse” and “beach house” refer

to the same place, but when it does happen, it makes
for a remarkable home indeed. The lucky couple who
made this spot in the clouds their own had roots in
California and had lived in Birmingham, but they were
able to make this 5,600-square-foot penthouse their

PICTURE PERFECT dream home. The space was a blank canvas when they
acquired it, so they had free reign to create the home of

PENTHOUSE their dreams. They brought design elements from Palm

Springs, California, with Mid-Century Modern design
elements. Their love of that style’s clean lines, natural
GREG RIEGLER, Photography
light, and connectivity between indoors and outdoors
were among the guiding principles in designing their
new home. The vision was for a clean, neutral palette of
ivories, golds, shades of caramel and gray, with finishes
both matte and shiny. To the basic palette, they added
pops of color and metallics in the artwork, accessories,
textiles and furnishings.

Like a standout piece of jewelry, the living room is

crowned with a stunning chandelier, and its citrine
and blue crystals mirror the hues of the magnificent
sunsets viewed from the western windows of the
room. The kitchen adjoins the living room and has
dramatic contrasts of black cabinets, white marble
floors, and dramatic gold pendant light fixtures. The
dining area brings together vintage and modern pieces,
with a sixteenth-century pier mirror juxtaposed with
a contemporary crystal chandelier and dining table.
Custom sliding leather doors open from the living area
to the den, with its twenty-foot wide floor-to-ceiling
window which provides amazing views of the bay.
Beyond the den is the primary suite, with its stunning
bath lined with Calcutta marble. There is an oversized
closet with a marble vanity with three lighted mirrors,
hidden jewelry storage, and a sink embellished with
Swarovski Crystal.
 MEL ANIE MARTIN INTERIORS, Designer
JP LOPER CONSTRUCTION, Builder
MCCOLLOUGH ARCHITECTURE, Architect

T his st unning home on Ono Island was created

by the dream team of Melanie Martin, designer,
Sted McCullough, architect, and Chad Loper, general
contractor. When these three collaborate on a project,
the results are always outstanding. This 11,600 square
foot home - 16,600 counting the porches and the
garage - contains five bedrooms, six full and four half
LUXURIOUS ONO ISLAND

RETREAT
baths, two offices, and an expansive fitness room with
a custom steam room. It has frontage on Old River, with
breathtaking waterfront views and a private sandy beach
just beyond the porch and the pool. The luxurious retreat
boasts ample room for guests, and fabulous views from TIM LUDVIGSEN, Photography
every vantage point.

The main f loor includes a galley kitchen with ample

built-in storage, an oversize pantry, a dramatic Francois
stove hood that was custom created for the space, and
floor-to-ceiling glass framing a dramatic view of the river
and beyond. The spacious living area and dining area are
connected by a soaring wall with a fireplace that opens
to both rooms. The focal point of the living room may
be the unique tree stump coffee table that rests on an
antique Moroccan rug. The nearby library/ music room
is dominated by a grand piano, and features built-in
bookcases and a pair of curved loveseats f lanked by
tall potted palms in front of a floor to ceiling window
overlooking Bayou St. John.

The primary suite is on the top level of the home, and

features a gold-toned four-poster bed piled with pillows
in shades of cream and sand, set against a wall covered
with wallpaper that evokes the beach itself. Luxurious
floor to ceiling draperies open for a panoramic view of
water and sky, or close to provide complete privacy and
darkness. The outdoor living spaces are as much a part of
the home as the indoors. There are porches, both covered
and uncovered, with ample seating and comfortable
furnishings. The pool is surrounded by conversation
groupings and chaises for sunning. Comfort and beauty
abound in this slice of paradise.
 COURTNEY DICKEY, Designer
TS ADAMS STUDIO, Architect
MARTIN PROPERTIES, Builder

W hen the Waldens began to plan their 30A home,

it all started with the wood. The family was in the
cattle and timber business, and they put their knowledge
and resources to work, bringing their own wood to the
project, and their own expertise in woodworking. They
cut all the beams themselves and brought them to the
site on a flatbed trailer. They also brought brick from
a demolished general store in their former hometown
of Brantley, Alabama. They cleaned the old brick and
then gray-washed them to achieve a lighter feel for their
new home. They even brought people from their old
hometown to build the brick walls.

The Waldens used old doors and old molding, and they

WALDEN WATERCOLOR
left many pieces rough-hewn, just lightly buffed to take
RANDY LEE, Photography the splitters off. The rustic details meld beautifully with
the softer side of the beach home. The lighting fixtures
throughout the home were designed by a Georgia
woman and crafted by an Atlanta architectural firm.
She has made lighting fixtures out of all sorts of things -
like the one she made from our hay rake wheel!

The home is a beautifully concocted fusion of classic

beach vibe and old-world dedication to painstaking
craftsmanship and timeless workmanship. The expansive
porches across the home on each level feature bed
swings fashioned from antique shutters, and pillow-
filled chairs that call for relaxed conversation. Meals are
served at a rough-hewn wooden table, under a wagon-
wheel chandelier. The wide open kitchen is framed by
an old brick arch, and filled with light from floor-to-
ceiling transom windows. The primary bedroom is a
peaceful haven, with soft gray vertically paneled walls,
white bed linens, cream accents, and wide wood plank
floors. Every room and every space in the home is a
nod to history, nature, and comfort.
 LIZ BELL, Designer
CARL VALTTO, Builder

A pair of Gulf Breeze empty nesters faced a tough

decision - to stay in the home they loved,
where they raised a family and had fond memo-
ries, or to sell and start over in a new setting. It didn’t
take much time to make the decision to embark
on a complete renovation and remain in the home
and the neighborhood they knew and loved. They
knew they could rely on Liz Bell, the designer they
had used before, and that helped to solidify their
resolve. The project was a major undertaking and
affected all the rooms and all the surfaces in the

A TRAVELER'S NEST
home. The staircase was redesigned and replaced,
as were the molding and trim throughout the house.
Sound systems were replaced with upgraded equip- JACK GARDNER, Photography
ment. Most of the cabinetry and closet fittings were
replaced, and others were retrofitted and refinished.

The living room and dining room were treated to a

dramatic transformation. Soft white walls replaced
ornate faux gold finishes in the living room and
intense navy in the dining room. Dark, heavy silk
draperies gave way to off-white linen, and transom
windows above the doors added additional light
to the spaces. The fireplace between the rooms
received a new look, with floor-to-ceiling limestone
facades on both sides. In the primary suite, a huge
open bath, with his and hers vanity areas, a spacious
soaking tub, and an oversized walk-in steam shower
give the space a true sense of luxury. The immense
kitchen was completely updated, and the adjacent
pantry was doubled in size to include a built-in
small appliance area and a unique flower prep sink.

The homeowners’ collection of art, statuary, and

masks from around the globe were a huge factor
in planning the renovations. Their treasures are
displayed throughout the reimagined space, and
their eclectic sense of style makes the home
uniquely their own.
 MARISOL GULLO, Designer

M arisol and Tony Gullo have worked in fine

furniture design and manufacturing, then
opened retail outlets to showcase their custom
creations. Full interior design services followed, and
the couple developed a clientele and an image as
their operation grew. One project along the way
was a four-year-old home in the heart of Alys Beach.
The homeowners wanted to give the home a new
look and feel, and turned to Marisol for guidance.

The home occupies a prime position in the devel-

opment, with great water views, a spectacular roof-
top deck, a beautiful pool, a landscaped courtyard,

NOT TOO SHABBY JOHN MCCAIN PHOTOGRAPHY

Photography
and a cozy, private casita for guests. The house was
structurally sound and needed only paint, furnish-
ings, and accessories. The homeowner had clear
ideas of what they wanted - lots of white, mainly.
Marisol was able to source most things from her
stores and her sizable warehouse. One special
piece was designed and crafted by Marisol and
her husband Tony specifically for the space. The
massive dining table is made of ancient weathered
cypress with the wood’s fissures and cavities filled
with white epoxy, creating a functional, unique
piece of art. “This piece is truly one of a kind,” says
Marisol. “It is like nothing else in the world, and it
belongs to this space and these people alone. The
warm wood, with its age and imperfections, breaks
up the whiteness and draws all eyes toward it.”

The Not Too Shabby retail shops and showrooms

continue to provide Marisol with furniture and
accessories for her own clients, but they also serve
other designers and are open to homeowners
as well. They are committed to promoting good
design and helping people incorporate it into their
homes and their lives.
 JOHN-RICHARD
NGISED RORRIM
J ohn-Richard, deriving its name from the middle names of its founding partners, commenced
its journey in 1980 as a modest subsidiary to one of Mississippi’s largest retail furniture
enterprises. Initially, the brand’s focus lay on wall decor, primarily offering collections of
hand-colored engravings. However, over the years, it has undergone a remarkable transfor-
mation, emerging as a leading supplier of luxury home furnishings with extensive collections
spanning various categories.

To John-Richard, every room is an open canvas, an opportunity to create. It’s a space where
you give life to unique visions using colors, shapes, tones, and textures to truly express
your creativity. From the realms of traditional to transitional, classic to contemporary, every
item within the John-Richard collection is an artistic statement, masterfully crafted with an
unwavering commitment to detail. There are no shortcuts taken, no compromises made in
their impressive collections of furniture, lighting, accents, mirrors, wall decor, upholstery,
case goods, and botanicals.

Innovation and collaboration are two values John-Richard heavily emphasizes. The brand
thrives on strong partnerships with award-winning independent artists and designers, in addi-
tion to their in-house design team, reflecting their commitment to fostering a spirit of creativ-
ity in every piece. This outstanding design team continuously explores global inspirations,
turning them into breathtaking collections.

24 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 25

 This global inspiration is inherent in everything John-Richard does.
Continually at the forefront of home furnishings trends, the company
fosters strong international connections. From Vietnam, Italy, China,
Indonesia, the Philippines, and more, this extensive global footprint
seamlessly intertwines with the diverse cultures and influences that
shape their innovative product line.
Drawing such strong inspiration from the boundless wonders of our
world, these products often celebrate time-honored motifs and tradi-
tions, reimagining them within the context of contemporary design.
From exquisite sculptures carved from selenite and marble to stunning
adornments crafted from semi-precious gemstones, John-Richard prod-
ucts exemplify an unparalleled level of craftsmanship.
26 | Coastal Lifestyle Magazine
Nearly every item in their extensive collection is meticulously crafted
by skilled hands, granting each piece a human element that aligns seam-
lessly with the brand’s distinguished commitment to precision and detail.
With over 40 years of experience, the brand continues to evolve, guided
by an unwavering commitment to timeless design and exceptional qual-
ity. From contemporary to traditional, transitional, mid-century modern,
or anything in between, their extensive collection offers the essentials
to create a captivating artistic statement in any space. Whether you’re
designing an entire room or introducing a single piece to harmonize your
space, through John-Richard, you can shape an exceptional space that
will impress and inspire.
WHERE CAN I PURCHASE?
Risa’s Interiors • 10123 Emerald Coast Parkway, Miramar Bch., FL
(850) 654-7472 • risasinteriors.com
Hollis Interiors • 200 South McKenzie St Foley, AL
(251) 943-2941 • hollisinterior.com
 Non-Surgical Varicose and
Spider Vein Treatment by
the Region’s most
Experienced Vascular
Specialists.

CoastalVeinInstitute.com

VLAHOS DEBOGORY & TUCK

C O N S T R U C T I O N

Commitment. Service. Detail. Communication. Experience.

Dream with us to create a custom home, renovation or addition.

Destin / 30A / Orange Beach

850.912-8249
Phillip J. Vlahos Brodie DeBogory Scottie Tuck
Call today to schedule your consultation. P: 205.296.6111 P: 225.268.0873 P: 251.223.7114
pv@vdtconstruction.com bd@vdtconstruction.com st@vdtconstruction.com

Gulf Shores • Foley • Pensacola • Milton • Navarre • Ft. Walton Beach • Crestview • Destin WWW.VDTCONSTRUCTION.COM
FL CRC1333319 AL 22423
 MELANIE MARTIN, Designer
JP LOPER CONSTRUCTION, Builder
MCCOLLOUGH ARCHITECTURE, Architect

W hen interior designer Melanie Martin planned her

own dream home, she knew that location was the
first and most important decision. She selected Ono Island,
which had sentimental meaning to her on a personal level
and great appeal from a practical standpoint. Martin had
amassed over the years an extensive collection of art
and artifacts from her global travels, and wanted a space
where she could display her treasures, including works
by her artist son. She also wanted a comfortable home,
one where she could entertain her friends and where she
MELANIE MARTIN'S DREAM HOME
could have her three granddaughters - and their two dogs GREG RIEGLER & SUMMER DAVIS, Photography
- visit and feel at home.

Martin was able to create a home that addressed all

these needs. The 4,000 square foot home features four
bedrooms, four and a half baths, a heated pool, a long pier,
and a boathouse. The design focused on the connectivity
of indoors and outdoors; there even are retractable
glass panels that allow the living area to expand and
encompass the patio and pool. The open kitchen, with
its ebony and gold accents, provides a dramatic contrast
to the serene shades of whites and cream that define the
living area. The second floor contains the primary suite,
a guest suite, and an expansive area designed for the
grandchildren, with ample space and amazing views. The
primary suite is the epitome of restrained luxury, and
includes a double- sided fireplace between the bedroom
and the bath. The bathroom itself features a freestanding
sculptural tub, an open shower, and a floating vanity, and
is illuminated by a dazzling bubble chandelier. The entire
master suite features retractable ceiling panels that open
to the balcony and the sky.

The outdoors is largely focused on the heated pool, which

is adjacent to the patio and is surrounded by slabs of
shellstone interspersed with artificial turf, and the yard
is filled with native palm trees leading to the pier and
boathouse, completing the home’s hypnotic island feel.

30 | Coastal Lifestyle Magazine

 GARY KILLOUGH, Designer

T he community of Burnt Pines, within the Sandestin

community, provided the perfect opportunity for
a homeowner who was downsizing, but wanted to
make use of her beautiful art, artifacts, and antiques. The

BURNT PINES homeowner and her interior designer spent over a year
transforming the three bedroom home into a backdrop

SANDESTIN
JOHN MCCAIN PHOTOGRAPHY, Photography
for her collections of visual art, crystal, and antique rugs,
and the end result was a home that was both livable and
sophisticated. The focus was on creating the perfect
backdrop for the owner’s treasures, while maximizing
the indoor-outdoor connectivity.

The renovations began with the entry courtyard, which

has a slate floor and a cool Mediterranean vibe. The
designer added a dramatic antique terra-cotta tile to
the half-wall that screens the courtyard, providing a
focal point that balances the immense clay planters on
the other side. Inside the courtyard gate, he capitalized
on the existing fountain with its jasmine-covered grille
and the faux bois concrete outdoor furniture. From
the foyer, which features a blue ceiling and a dramatic
purple powder room that contains a hatbox toilet
and a vessel sink. Beyond the foyer is the living room,
with dramatic artwork perfectly framed by the arched
opening into the room. The living area flows seamlessly
into the dining space and beyond to the kitchen with its
ice-blue quartzite countertops that continue the blue
theme in a subtle way.

The primary suite, which includes a spacious bedroom,

a cozy sitting room, and bath, features tones of lavender
and cream, including a lavender silk duvet and matching
mirrored bedside chests, and is anchored by a dramatic
Tibetan rug. The first floor guest room boasts a French
feel with its iron canopy bed and two matching French
commodes topped with cut glass lamps. The living
spaces open onto a walled loggia with bluestone floor
and casual outdoor seating, and on the other side of
the house is a lanai leading to the pool and lushly
landscaped yard.
BUNNY HALL, PERFECT PL AN, Designer

T he community of Burnt Pines, within the Sandestin

community, provided the perfect opportunity for a
homeowner who was downsizing, but wanted to make
use of her beautiful art, artifacts, and antiques. The
homeowner and her interior designer spent over a year
transforming the three bedroom home into a backdrop
for her collections of visual art, crystal, and antique rugs,
and the end result was a home that was both livable and
sophisticated. The focus was on creating the perfect
backdrop for the owner’s treasures, while maximizing
the indoor-outdoor connectivity. PERFECTION IS IN THE DETAILS
COLLEEN DUFFLEY , Photography
The renovations began with the entry courtyard, which
has a slate f loor and a cool Mediterranean vibe. The
designer added a dramatic antique terra-cotta tile to the
half-wall that screens the courtyard, providing a focal
point that balances the immense clay planters on the
other side. Inside the court yard gate, he capitalized
on the existing fountain with its jasmine-covered grille
and the faux bois concrete outdoor furniture. From the
foyer, which features a blue ceiling and a dramatic purple
powder room that contains a hatbox toilet and a vessel
sink. Beyond the foyer is the living room, with dramatic
artwork perfectly framed by the arched opening into the
room. The living area flows seamlessly into the dining
space and beyond to the kitchen with its ice-blue quartzite
countertops that continue the blue theme in a subtle way.

The primary suite, which includes a spacious bedroom,

a cozy sitting room, and bath, features tones of lavender
and cream, including a lavender silk duvet and matching
mirrored bedside chests, and is anchored by a dramatic
Tibetan rug. The first-floor guest room boasts a French
feel with its iron canopy bed and two matching French
commodes topped with cut glass lamps. The living spaces
open onto a walled loggia with bluestone floor and casual
outdoor seating, and on the other side of the house is a
lanai leading to the pool and lushly landscaped yard.
MCCONNELL HOME • BEACH GLAM
PHOTOGRAPHY BY DAN, Photography

LINZI MCCONNELL, Designer

JEREMY TRANTINA, JAT SPECIALTIES, Builder

A Nashville couple and their three children enjoyed their

vacation condo at Blue Mountain Beach for years, but as
the youngsters left the nest, the two realized they were ready
to make the area their full-time home. Once they found the
perfect lot, they began to identify their priorities and worked
with their design team to make their dream a reality. A pool
was at the top of the list, and they wanted it at the center of
the home. The end result was a huge success, as every room
on the ground floor opens onto the pool. The pool may be
at the center of the home, but the kitchen is its heart. The
oversized island has ample seating for a crowd, dramatic
blue cabinets provide excellent storage, and high-end appli-
ances and custom tile work round out the space. Dramatic
metal and crystal light fixtures and sleek modern furnishings
complete the area.

The living room features dramatic artwork and cozy but

modern seating, with plush fabrics and soft surfaces. The
dining area is anchored by a custom three-dimensional
wooden wall, set off by linear dining furniture and a crystal
chandelier. The two bedrooms on the first floor continue the
theme of blues against white with dramatic accents showing
up in artwork, pillows, and window coverings. The attached
baths rely on contrasts - gold and black, crisp tile and soft
fabrics - and plenty of luxurious touches. The staircase to the
second floor is a work of art, with glass walls, metal railings,
and wooden treads. The upstairs contains three bedrooms
and a bunk room, each with its own bath, and a home office.

The outdoor spaces received as much attention as the inte-

rior. The pool area and the spaces around the pool are land-
scaped and furnished in the same bright colors used inside
the home. Plants are in containers and were chosen for their
bright colors and low maintenance, making the area seem
meticulously groomed with little effort.
 ALLYSON RUNNELS, Designer
BOB CHATHAM, Home Designer
VDT CONSTRUCTION, Builder

T his Ono Island home was created as a forever home

for a young family, who essentially designed the
home themselves to meet their very specific needs.
“It was important for us to achieve a look and feel that
would provide our family and guests with a calm,
relaxing environment. We designed the home to be
accommodating to all our needs as our children grew
up and to provide a welcoming vibe for our guests,”
the homeowners noted. “We designed the house with
our family needs in mind, with family-friendly outdoor
space for play as well as for entertaining, and child-
focused indoor space for play and learning.”

The expansive open kitchen is truly the heart of the

home, with white quartz countertops and twin white
custom cabinets, plus double islands that provide ample
prep space and plenty of seating and lots of space for
entertaining. Wide plank oak flooring and twelve-foot
wooden ceilings, plus wooden accents in other places
provide subtle warmth throughout, and floor to ceiling
windows allow natural light to flood the open living REGATTA BAY • BAY RETREAT
space.
RANDY HAMILTON, Photography
The adult members of the family were by no means
shortchanged, with a primary bedroom that is at
once cozy and expansive, a place of tranquility, an
escape that is at once serene and private. The adjacent
bathroom features Italian marble and custom lighting,
evoking a spa-like ambience. The space’s real showpiece,
however, is the cast-iron soaking tub.

The home’s exterior, from the patterned turf leading up

the drive, to the backyard patio and the L-shaped pool
surrounded by lush green grass, and the calm waters of
the Ono River just beyond create a modern yet timeless
setting that any family would enjoy and cherish.
 N
O
W

Pensacola Market Watch COVINGTON PLACE

SE
LL
IN
G
FI
N
Navigating Risk and Reward in the PH
AL

• Downtown Luxury Living • High-end, Luxury-Built Townhomes AS

Pensacola Real Estate Market • Prestigious North Hill Historical District • Pre-Construction Prices Available
E!

While it may seem risky, this can be an advantageous time to enter

the market. Sellers are increasingly open to concessions, provid-
ing opportunities for buyers. Properties are staying on the market
for longer periods, allowing buyers to negotiate not just on price
but on the terms of purchase. For example, buyers can negotiate
lower interest rates or even include furniture and artwork in the
deal. Cash buyers, in particular, are benefiting from market insta-
bility, finding deals that suit their preferences.

C ongratulations are in order as Mitch, the publisher and

founder of Coastal Lifestyle Magazine, celebrates an impres-
sive 25 years of success. In a recent conversation with Kevin Fox,
Kevin emphasizes the importance of hiring the right real estate
agent to navigate these negotiations effectively. Experienced
the VP of Sales and Development at Olde City Realty in Pensacola,
agents who understand the intricacies of financing can help buyers
Florida, we explore the parallels between starting and running a
make wise decisions that go beyond simple price negotiations. In
business and the current state of the real estate market in Pensac-
a fluctuating market, these strategies can make all the difference
ola.
in securing a good deal and ensuring a sound ROI.

Kevin, like many successful entrepreneurs, understands the chal-

In sum, the real estate market, like entrepreneurship, experiences
lenges, sacrifices, and risks that come with building a business. His
its ups and downs. It's reminiscent of the uncertain start that many
journey from a single-room vacation rental in his house to over
businesses face, where the future is unknown, but risks are calcu-
50 properties along the Gulf Coast illustrates the adaptability and
lated, and wise decisions are made. The data, whether in entrepre-
persistence required to succeed in business.
neurship or real estate, consistently supports the importance of
surrounding oneself with knowledgeable, data-driven profession-
This adaptability is crucial when it comes to the current state of
als. Kevin's message is clear: with careful consideration, patience,
the Pensacola real estate market. With rising interest rates, low
and the right support system, an attractive ROI can be achieved
inventory, and a slower economy, potential investors might find
in the Pensacola real estate market.
it daunting to enter the market due to high acquisition costs.
However, Kevin stresses that successful real estate ventures require
As we reflect on Kevin's journey, we're reminded that entrepre-
a long-term perspective. Timing the market is nearly impossible,
neurial journeys and investments share the same core principles
and investments should be viewed as serving both personal needs
of calculated risk and the reliance on data and expertise. These
and generating a return on investment (ROI).
are the pillars on which success is built, no matter the industry.
Kevin's insight provides an invaluable perspective on the Pensac-
ola real estate market's current landscape and the opportunities
it presents to those who are willing to navigate its complexities.

kfox@oldecityrealty.com
Contact Kevin at Olde City Realty for more Kevin Fox
information on the Pensacola real estate market.
850-549-8869 VP of Sales & Development

42 | Coastal Lifestyle Magazine

oldecitydevelopers.com
 CELEBRATING 50 YEARS
OF FASHION IN FAIRHOPE!!!

Gretchen Scott • Sympli • Foxcroft

Christopher Calvin • Liverpool • Flax

Krazy Larry • Lisette L • Simon Sebbag
Lulu B • Julie Vos • Susan Shaw
Boho Chic • Nic + Zoe • Spanx
Hobo • Charleston Shoe Co • Goodr
ON
Classic Clothing for a Casual Lifestyle
25
YEARS OF 380 Fairhope Avenue
Fairhope, AL 36532
COASTAL (251) 928-5564
LIFESTYLE! shopmandf.com
Monday thru Saturday 10am - 5pm
 By Jen Callan
W hen Maryland native, Mitch Roberts, found himself as
a single father and primary caregiver to his two young
children, he knew punching a clock would never cut it. He
wanted a career that could support him and his children while
allowing him to remain emotionally and physically available
to fill multiple roles in their lives. He knew his career also had
to provide him with a sense of accomplishment and pride,
while also contributing to the
Gulf Coast community where
he felt most at home.
Call it kismet. Initially, Roberts
was a partner in a local bulk mailer
business, which was perfect for
his long-standing history in sales,
marketing, and advertising. What
was once a perfect fit, however,
no longer satiated Robert’s desire
to build a legacy for his children.
Enter fate. This is when an adver-
tisement to buy into a home design magazine franchise
came through his agency for bulk mailing.
As a self-made entrepreneur at the age of 10, Roberts knew that
a well-executed vision sets successful businesses apart. After
careful research, he knew that although the franchise was not
a good fit for a small beach community, the local community
did not have a magazine dedicated to the opulence of Gulf
Coast living. Thus the release of Emerald Coast Home Design,
a publication dedicated solely to home design and decor.
According to Roberts, “My goal was to produce a better maga-
46 | Coastal Lifestyle Magazine
zine with each release.” One hundred and twenty editions
later, Robert’s stride to reach his goal continues with no end
in sight.
Upon initial publication, market research returned interesting
results. Although the magazine encompassed Orange Beach to
Destin, Alabama advertisers were unhappy with the reference
The Family 2008
to “Emerald Coast” as that was
Rebranding efforts ultimately produced Coastal Lifestyle Although Roberts was happy with the success of the maga-
indicative of the beaches closer
Magazine as we know it today. Targeted marketing is one zine, he still felt he could do better. Roberts recalls, “Coastal
to Destin. After further consid-
of the best ways for any organization to reach its maximum Lifestyle Magazine felt too thin. This was when a flipbook
eration, Roberts rebranded the
advertising audience. Exposure is key. Running a series of concept struck me.” For those readers unfamiliar with the flip-
magazine and released the publi-
advertisements directly targeting audience demographics book concept, flip over any copy of Coastal Lifestyle Maga-
cation as Southern Coast Home
creates a lasting impression. Roberts recalls a conversation zine to find a copy of either Coastal Palate Magazine or Gulf
Design. The magazine contin-
with Michelle, a small boutique owner, who commented, Coast Bride Magazine. Roberts purchased Gulf Coast Bride
ued to focus on home décor and
“Don’t let anyone tell you this magazine does not work. We Magazine in 2011 and returned it to a thriving status. Devel-
design specific to the community.
sold the same dress so many times based on one ad that I had opment of Coastal Palate Magazine soon followed as Roberts
to restock my inventory on multiple occasions.” Reinforced identified an unmet strategic marketing need in one of the
In September 2004, disaster
advertising is the way to go within our community. Gulf Coast’s leading industries, the food and beverage indus-
struck our shores when Hurricane
try. Coastal Palate Magazine emphasizes the many different
Ivan devastated our community.
Tragedy struck again with the 2007-2009 recession and eateries and incredibly talented chefs along the Gulf Coast.
Roberts reflects, “People and businesses lost everything. The
the burst of the housing bubble. Seventy-five percent of the
damage was unimaginable.” Along with rebuilding efforts, he
publication’s advertisers pulled out of their contracts almost Last year after spending time reflecting, Roberts revisited
found that community members were looking for new home
overnight. During Robert’s attempts to build a better mouse- whom the publication was truly helping. He questioned,
décor and decorative concepts while local businesses were
trap, he realized there was so much more to Gulf Coast living “Where is my pay it forward?” This was when Roberts intro-
working very hard to recover. Southern Coast Home Design
than just home design and décor. Roberts changed his vision duced a new section to the magazine where he and his staff
became the go-to source with all its advertisers local to the
and added topics relevant to the coastal lifestyle including bring awareness to local non-profits. To further support local
community. Roberts was helping small businesses return to
art, entertainment, food, travel, fashion, health, music, boat- charities, Coastal Palate Magazine plans to host its first Crab
sustainability while helping residents refurnish their homes in
ing, and so much more. Roberts essentially created a maga- Claw Cook-off. “I am a Maryland native. Of course, it will be
ways never before imagined.
zine that mirrors the local economy, follows local trends, as crab claws!” Roberts says with pride. Additional information
well as incorporates the local community and its activities will be available as details are finalized.
as a whole.
coastallifestylemagazine.com | 47
 Through the years there have been numerous staffing changes.
Every person working with the magazine has helped it evolve
into a high-level publication that encompasses the commu-
nity and all of its changes. Coastal Lifestyle Magazine is an
elegantly designed, highly sophisticated magazine that is rele-
vant to the community and keeps pace with its ever-changing
landscape. Roberts is also thankful for his pool of talented
writers “who can take any topic and really find the heart of the
story.” Roberts continues, “I am incredibly proud of what we
produce.” Coastal Lifestyle Magazine has 25 years of experi-
ence writing about and exposing the community to upscale
Gulf Coast establishments. It is the local lifestyle industry
print publication leader. Join us as we celebrate Coastal Life-
style Magazine’s 25th anniversary and its 120th edition!

As we celebrate 25 years, one of the things that we continue

to strive to do is get even better every issue. We are proud
to say that over the last five years, in particular, we have
established an amazing team that is laser beam focused on
continuing to make our publication top tier. In addition to
our Publisher, our Art Director, Editor, Associate Publisher,
Social Media Coordinator, and amazing team of writers and
photographers, all contribute to the continued success of
Coastal Lifestyle. Cheers to 25 more! Michelle, 2018

Ajer-Skye, Mitch, & B laise 2018

Mitch & Santa 2013 The "Kids", 2023

26
48 || Coastal
Coastal Lifestyle
Lifestyle Magazine
Magazine coastallifestylemagazine.com | 49
 WHEN
YOU WANT
TO LIVE IN
A MOOD

(850) 654-7472 • www.RisasInteriors.com

10123 EMERALD COAST PKWY
MIRAMAR BEACH FL 32550

MONDAY-FRIDAY SATURDAY SUNDAY

10:00 AM - 5:00 PM 12:00 PM - 5:00 PM CLOSED
 Unique jewelry
handmade in Fairhope.

Gallery Hours:
Wednesday-Friday
10am - 5pm

November, December Hours:

Wednesday - Friday
10am - 5pm
Tourmalines,Amethyst, Tanzanite, Iolite and Saturday
Diamonds, elagantly placed in a pendant on 10am-3pm
an eighteen inch 14k yellow gold mesh chain. 2 South Church Street
9300.00 Downtown Fairhope Alabama
Come see the other “one of a kind” pieces 251-928-5858
created and handmade by Bill Wismar. www.WismarJewelry.com
©wismar jewelry co. inc.

HAUS
OF HUE
hausofhue.com

420 SOUTH PALAFOX (850) 332.7947 | 1320 NORTH 9TH AVENUE (850) 912.4744
 December / January 1998-2023
• OUR COVERS OVER THE YEARS •
A s I sit here, reflecting on a quarter-century
of Coastal Lifestyle Magazine, I can’t help
but feel an overwhelming sense of pride and
gratitude. What began as a modest endeavor
has blossomed into a beacon of Gulf Coast
living, a testament to the vibrant culture that
graces our shores. Our journey has been one of
ceaseless growth, mirroring the very communi-
ties we celebrate. Our readership has expanded,
each issue finding its way into more homes,
more hearts, and more eager souls in search
of the essence of coastal living. As I glance at
the covers of the last 25 years arranged on
these pages, each cover tells a story of its own.
They are snapshots of the places, the faces, the
54 | Coastal Lifestyle Magazine
coastallifestylemagazine.com
Publisher & CEO, Mitch Roberts,
holds the first issue and the latest.
flavors that have defined us over the years.
From the charming beachfront cottages to
the elegant waterfront estates, each home
is a testament to the enduring spirit of this
region. The restaurants we’ve showcased,
each plate captured in vivid detail, are the
very essence of our coastal cuisine, from
humble seafood shacks to fine dining estab-
lishments. This magazine, this journey, has
become a mirror reflecting the pulse of the
Gulf Coast, a testament to the homes, the
restaurants, and the lifestyle that define us.
Here’s to another 25 years of celebrating this
extraordinary coastal life!
LUXURY HOMES
LIFESTYLES
DINING
MUSIC
ART
 HAPPY 25TH ANNIVERSARY!
COASTAL LIFESTYLE MAGAZINE & DONNA BURNS –

A PROUD PARTNERSHIP
THROUGHOUT THE YEARS.

25TH ANNIVERSARY ISSUE

The much anticipated Moondance on Perdido Bay is here and ready to sell! 27 total lots,
rent restricted. This upscale, gated neighborhood will be located on the most magnifi-
cent parcel of land at the tip of Bear Point in Orange Beach AL. Choose your builder
and start to build right now! Visit the website at moondanceonperdidobay.com.
OF INFORMATIVE ARTICLES,
OUTSTANDING PHOTOGRAPHY,

(251) 243-15 91 • D ON N ABU R N S R EALTOR . COM

AND A TRUE CELEBRATION OF
THE GOOD LIFE ON THE COAST

DONNA@DO N N ABU R N S R EALTOR . COM

 don’t just get away
... find your Kiva.

Kiva Dunes presents Alabama’s coastal beauty and charm with vacation rentals ranging from
beach homes to condos overlooking the 18th green – each offering access to the resort’s four pools,
two restaurants, and private beach front! With vacation rentals ranging from homes on the beach to
condos on the course, you will find the perfect accommodations for your next family vacation!

KivaDunes.com • 866.540.7100 • Gulf Shores, Al

 luxury that comes
in black & white By Matthew S. Adams | Photography by Keith Sims

Northwest Florida’s
Emerald Coast is home to
breathtaking natural sights and
a wealth of high-end amenities and
destinations. To further indulge
your experience you should be
“cruisin’ around” in the ultimate
“Coolest” Bad A** vehicle:
the Mercedes
AMG G63 SUV!

T he G-Wagen (Gelandewagen, meaning “All-Terrain vehicle”) can

take you right from the beach or backwoods to your dinner
reservation in ultimate style! Possessing the perfect blend of incred-
ible off-road potential and chic design, nothing fits this niche quite
like the G-Wagen.
“The G-Wagen started as a cult vehicle in the States," says John W.
‘Jock’ Mobley IV, Owner/CEO of Centennial Mercedes / Volvo of
Pensacola, FL. "Much of the G-Wagen's original popularity in the US
owes to Arnold Schwarzenegger," as the vehicle became a favorite of
movie stars and pro athletes after Arnie acquired one from Europe
years ago. While initial G series production started at the plant in
Graz, Austria in 1979, Mercedes didn’t start bringing in a US Version
until 2001 and originally designed the G-Wagen as a heavy-duty
military/commercial 4-wheel drive workhorse capable of climbing
a 100% steep grade! Over the years through the combination of
savvy marketing, limited production, and its rugged “Butch” rectilin-
ear good looks the G-Wagen has become the ultimate “Status SUV”
throughout the world. The G-Wagen has been immortalized in rap
videos and singer Drake acquired one of the rare G650 Landaulet
convertible models for a mere $800,000!
Once all the “IN” crowd adopted the G-Wagen as the “Baddest” of
Cool Rides, everybody wanted one.
Inspired by the Mercedes military/commercial design of the
awesome Unimog - the Mercedes-Benz G-Class has a long history
of blending raw automotive power with the creature comforts of
luxury driving: the perfect combination of Rugged Beauty and
Awesome Beast. Powered by a handcrafted 4.0L V8 biturbo with
577hp / 627 lb-ft torque, the G63 is capable of the ground-shaking
grumble of a high-performance track car through its stylish chrome
side exhaust pipes!
“Many times when I'm driving the G-Wagen in traffic people roll
down their window to yell how cool it is, or giving me a big ‘thumbs
up’ at a red light," Mobley said of responses when behind the wheel.
"Some people may say it’s too boxy in design, but most think it's
Flat Out Tuff!
Another favorite feature of the G-Wagen series is its customizabil-
ity: "Each one is unique," Mobley said of the different features and
packages, ranging from standard elements, such as an Italian Nappa
leather interior and 3-zone climate control to luxury options, such
as leather upgraded with exquisite diamond stitching, ventilated
front seats, and heating steering wheels. "In 2020, they also did
a major re-design and suspension improvements," Mobley said.
"Where the older models were a somewhat stiff ride in the cabin,
the new ones are much smoother in ride leading to much more
enjoyable on or off-road trips.”

70 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 71

 In production for over 40
years, Mobley said G-Wagen
demand has skyrocketed in the
last several years. “We typically
only get 1 or 2 every few months
in at Centennial, and many are
pre-sold.” Mobley added, “Like
waterfront property, customers
are usually offering well over
MSRP not to miss the one they
have their heart set on.”
Once all the
Owner of Centennial Mercedes- “IN” crowd adopted
Volvo for over 35 years, Jock the G-Wagen as the
says, “It’s truly an honor to repre- “Baddest” of Cool Rides,
sent our amazing product lines everybodY wanted one.
of Mercedes and Volvo here in
Pensacola! We’re a family-run
company with my son John
Mobley V and nephew David
Scott along with our amazing
managers and employees!”
Our goal is to provide world-
class service to our clients
commensurate with our great
products!

With exciting new models and world-leading technol-

ogy coming from Mercedes-Benz and Volvo, coupled with
Centennial Imports’ great reputation in customer service,
there’s no doubt they’ll stay a winning combination for many
years to come.

Centennial Imports
3050 Navy Blvd
Pensacola, FL 32505
(877) 759-7297
centennialimports.com

72 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 73

Drive Your Dream

S-Class Sedan

mbofpensacola.com

volvocarspensacola.com

Centennial Imports • Mercedes Benz of Pensacola • Volvo Cars Pensacola

850-432-9903 • Corner of Navy Boulevard & “W” Street
Jock Mobley
Owner/CEO

PIAN O
THE
A TIMELESS INSTRUMENT AND HO USEHOLD CENTERPIE CE
By Bradley “Beej” Davis, Jr.
Blues Angel Music
657 North Pace Boulevard
Pensacola, Florida 32505
(850) 457-7557 • bluesangelmusic.com
76 | Coastal Lifestyle Magazine
T
he piano has a rich and fascinating history, tracing back to the
early 18th century when it was invented in Italy. The instrument
quickly gained popularity and spread throughout Europe and
beyond. While these dazzling stringed instruments were normally
seen and heard in performance concert halls, household owner-
ship became increasingly more prevalent. “In the early 1900s,
a large percentage of middle-class homeowners owned pianos,
whether they played the piano or not. The piano was a focal point
of the home, a beautiful piece of furniture, and a gathering place
for family and friends,” said Barry Frost, Piano Division Manager at
Blues Angel Music. And when it comes to piano ownership, pianos
are often passed down from generation to generation, becoming
cherished heirlooms. This can be especially true for high-quality
instruments, which can hold their value and even appreciate over
time. However, it’s important to keep in mind that pianos require
regular maintenance and tuning to stay in good condition, so it’s
important to find a reputable technician to help keep your instru-
ment in top shape. “Pianos are built to be tuned at least twice a
year, and to have their action regulated every seven to ten years,”
said Frost. Most folks don’t do either of these, and it affects the
sound and the touch. I often hear from someone selling their piano
‘Everything still works,’ as if it’s just a matter of each key making a
sound. It is so much more than that, especially when you consider
that a piano has over 10,000 moving parts.”
As for customers looking to purchase a piano, there are many
factors to consider. From the style and size of the instrument to the
brand and price range, it’s important to do your research and find
a piano that fits your needs and budget. Additionally, it’s a good
idea to try out different pianos in person to get a feel for the sound
and touch. Many music stores offer rentals or financing options,
making it easier for customers to find the perfect piano for their
home or studio. “There is an old saying: ‘If you don’t know your
diamonds, then know your jeweler.’ I think it’s true with pianos,”
said Frost. “When shopping at a piano dealer, it is important to make
sure that the dealer has a good technical staff, preferably techni-
cians who are RPTs, or Registered Piano Technicians with the Piano
Technicians Guild. All pianos, new and used, need to be properly
prepped before delivery, and they need to be properly maintained
after delivery. Most importantly, a piano warranty is only as good
as the dealer who sells the piano.”
Despite these responsibilities, piano ownership can be a rewarding
experience for anyone who appreciates the beauty of music. Due
diligence is always key to selecting the perfect piano for you and
your household. It’s always important to ask questions like what are
your expectations for the piano? Is this just an occasional piano? Is
this just a piece of furniture? Are you looking for a practice instru-
ment for a new student? What’s more important, touch, tone, looks,
or all three? What are the total costs associated with buying and
owning a piano? “Playing any musical instrument is not just a physi-
cal exercise, but rather, it is an artistic expression, with nuance, with
musicality, and with passion,” said Frost. “We can experience this
kind of music on every level, from early beginner to advanced, but
only if the musical instrument works properly and creates a good
tone, hopefully, a tone that inspires the player to PLAY!”
coastallifestylemagazine.com | 77
 Fine Art Gallery
AT P E N S A C O L A B E A C H

www.lunafineartgallery.org

MARY ANNE STAPLES LINDA DOSS

BRILLIANT

A Luna Fine Art Gallery

Featuring
Dixon School of Arts & Sciences
 BILL WISMAR
In this season of giving, Coastal Lifestyle is thrilled
to extend our heartfelt gratitude to Wismar Jewelry
for their contribution to our Holiday Gift Guide. The
impeccable craftsmanship of these silver jewelry pieces
has added a touch of elegance and sophistication
to our curated selection. We are confident that our
readers will be delighted to discover the timeless
beauty and charm of these stunning pieces, making
them the perfect gifts for their loved ones this holiday
season. wismarjewelry.com

C O C O I S L A N D S I LV E R
We thank Coco Island Silver for gracing
IN RECOGNITION OF OUR 25TH ANNIVERSARY
our Holiday Gift Guide with their
elegant silver gifts. Their carefully
curated selection of these stunning
pieces beautifully encapsulates the
spirit of coastal elegance and charm,
making them the perfect choice for
those seeking timeless and ocean-
inspired treasures this holiday season.
We're thrilled to feature Coco Island
Silver's craftsmanship, adding a touch
of seaside sophistication to our readers'
gifting choices.

80 | Coastal Lifestyle Magazine coastallifestylemagazine.com

coastallifestylemagazine.com || 81
57
 HAUS OF HUE
Many thanks to Haus Of Hue for their beautiful contribution to our
Holiday Gift Guide. Showcasing these remarkable silver items,
Haus Of Hue has once again demonstrated their commitment to
curating original and one-of-a-kind treasures that resonate with
our readers. Owner Lauren Bakarian-Simpson and her dedicated
team continue to impress us with their ability to offer designs that
capture the essence of intimacy and exclusivity, making our gift guide
a true showcase of unique and inspired selections. hausofhue.com

LOVELACE INTERIORS
Lovelace Interiors was kind enough to feature these stunning silver
items in our much-anticipated Holiday Gift Guide. These elegantly
curated pieces, thoughtfully selected by Lovelace Interiors,
embody the essence of coastal luxury and make for
exceptional gifts that capture the spirit of the season.
We are thrilled to showcase these remarkable silver
treasures, adding a touch of sophistication to
our readers' holiday wish lists.
lovelaceinteriors.com

82 | Coastal Lifestyle Magazine

 BE BRAVE
Quality products for Home & Garden.

BE BOLD

Made for Coastal Living. Tedstuff.com

BE YOU

TOYS FOR TOTS

12170 Emerald Coast Parkway
Miramar Beach, Florida 32550
idmi@idmidesign.com | idmidesign.com
850.269.1699
SPREADING JOY:
MARINES TOYS FOR TOTS
By Melissa De Valcourt PENSACOLA AND SANTA ROSA AREA
T he holiday season is upon us, and with it comes the
spirit of giving. In the Pensacola and Santa Rosa area,
one organization stands out for its unwavering dedication
to spreading joy to children in need - the Marines Toys for
Tots program.
Since its inception in 1947, Toys for Tots has been a beacon
of hope for millions of children across the United States.
This year, as we approach the festive season of
2023, the program is in full swing, ready to
make a difference in the lives of countless
youngsters.
Operation Joy: How Toys for Tots Works
The premise of Toys for Tots is beautifully simple yet incredi-
bly impactful. The program, run by the United States Marine
Corps Reserve, collects new, unwrapped toys during Octo-
ber, November, and December each year. These toys are then
distributed to less fortunate children in the community,
bringing smiles and warmth to their holiday season.
This holiday season, let’s come together as a community
and make a difference in the lives of children in need.
Let’s be the reason behind the smiles and laughter that
will fill the hearts of young ones in the Pensacola
and Santa Rosa area.
HOW YOU CAN HELP : If you’re looking to get involved,
there are several ways to make a difference:
DONATE A TOY: MAKE A MONETARY DONATION:
Head to any of the drop-off locations listed below and leave Visit the official Toys for Tots website (toysfortots.org) to make
a new, unwrapped toy. a financial contribution that will go towards purchasing toys for
children in need.
ORGANIZE A TOY DRIVE:
Encourage your workplace, community group, or social circle SPREAD THE WORD:
to host a toy drive to collect gifts for the program. Share the message of Toys for Tots on social media, and encour-
age others to get involved.
GIVING BACK: DROP-OFF LOCATIONS
To make the magic happen, generous individuals, local businesses, and organizations are encouraged to contribute
by donating toys. If you’re wondering where to drop off your contribution, worry not. There are several convenient
drop-off locations in Pensacola and Santa Rosa where you can spread the joy:

PENSACOLA MAIN POST OFFICE PENSACOLA BEACH VISITOR

1400 W Jordan St, Pensacola, FL 32501 INFORMATION CENTER
7 Casino Beach Blvd, Gulf Breeze, FL 32561
SANTA ROSA COUNTY
CHAMBER OF COMMERCE ACE HARDWARE - GULF BREEZE
5247 Stewart St, Milton, FL 32570 907 Gulf Breeze Pkwy, Gulf Breeze, FL
32561
ANYTIME FITNESS - PACE
4751 U.S. 90, Pace, FL 32571 PENSACOLA YACHT CLUB
1897 Cypress St, Pensacola, FL 32502
NAVARRE BEACH AREA
CHAMBER OF COMMERCE
1804 Prado St, Navarre, FL 32566

Conclusion
As the holiday season approaches, let’s remember the power of giving. The Marines Toys for
Tots program in the Pensacola and Santa Rosa area is a beacon of hope, bringing joy to chil-
dren who need it most. Whether through toy donations, organizing drives, or spreading the
word, every effort counts. Together, we can make this holiday season one to remember for
every child in our community.
86 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 87
 Designers Welcome
Custom Draperies
Roman & Natural Shades
Blinds & Shutters
Solar Shades
Custom Bedding & Pillows
Motorized Treatments
Outdoor Draperies
Designer Wallcoverings

Destin: 850.543.4424 • Inlet Beach: 850.502.5401 • 13123 Hwy 98 East Suite A • Inlet Beach, Florida

YO U R D R E A M P O O L AWA I T S

BUILDING DREAMS
FOR OVER 65 YEARS
COXPOOLSSE.COM
866.711.7665
 DESTIN • SANDESTIN • WATERCOLOR • SANTA ROSA BEACH • HWY 30A • MIRAMAR BEACH

Gulf Coast Market Watch

M
ainsail Realty realtor John Baldree puts his longtime personal
experience and his interest in following market trends in
the real estate industry and in the mortgage lending business to
work in keeping abreast of area patterns and trends in purchasing,
sales, and financing of real estate. Looking at the present market in
the Panhandle area for the next several months, Baldree foresees a By Sabe Fink
deliberate, somewhat hesitant market for purchasers, who have been
watching interest rates continue to move higher in tiny increments.
“Purchasers are cautious and watchful right now,” says Baldree. “But
there will be none of that when rates begin to go back down - and
that will happen. It always does. Right now there is a lot of ‘wait and
see’ in the real estate realm.”

When interest rates fall, however, is when real estate prices begin to
trend upward, according to Baldree. Right now, many prospective
purchasers are on the sidelines, but there are also those who take FOR SALE
advantage of concessions in price and terms of a potential purchase.
There are creative financing options that are attractive to some
potential purchasers, but not to others. “Market volatility is real,”
UNIT 501A
Baldree states. “And world conditions surely don’t help. These factors
combine to produce a sort of unnatural market stability, resulting in HARBOR
LANDING
a lot less competition.” Buyers who can afford to make more conces-
sions end up with better deals. Buyers who are willing to explore
more creative financing - things like 2 -1 buydowns, for example,
can come out ahead in the end. $1,250,000.00
Overall, Baldree sees a correction coming. “It’s inevitable that rates HARBOR LANDING
will come down but it's impossible to predict exactly when and how
is selling very quickly!
fast.” When that does happen, he believes that real estate prices will
skyrocket, and that will basically cancel out the decrease in inter-
I sold these units recently.
Contact me today for SOLD SOLD SOLD
est rates. Sellers are often willing to give more up, though, in order UNIT 504A UNIT 902B UNIT 602B
$1.2M $923K $769K
to get a house sold and closed. Now, while rates are up, and the more information.
market is a little slow, is the time when buyers can take advantage
of concessions in price and conditions to find a deal that makes
economic sense. “Potential purchasers need to do their homework JOHN BALDREE
and explore all angles for a deal that makes sense in the long term,” (850) 585-3370 • john@johnbaldree.com
Baldree advises. mainsailrealtycompany.com
12815 Emerald Coast Pkwy, Suite 106,
90 | Coastal Lifestyle Magazine
Miramar Beach, FL, Florida
 YOUR SPECIALTY LUMBER
EXPERTS FOR OVER 35 YEARS

True Mill-Direct Pricing for Sinker Cypress, Sinker Pine, Tidewater Cypress,
Long Leaf Pine, Sinker Cypress Wide Cut Slabs, Tongue and Groove, Shiplap,
Trim & other Patterns, Beams, Beam Wrap, Mantels, Slabs, Wood Skins, & Planks.

A family-owned business, operating since 1988,

Bruner Lumber Co. has proudly supplied custom
lumber found in thousands of homes, businesses,
and restaurants all across the Emerald Coast and
nationwide. We strive to provide only the best to
our customers!

528 Sand Plant Road, Ponce De Leon FL 32455 • (850) 835-4833 • brunerlumber.com
 F eaturing
JOHN RICHARD
NORWALK
CARACOLE
GABBY

CONTINUES
71 YEARS
www.hollisinterior.com • (251) 943-2941
 GRAND CRAFT BOATS:
BRIDGING HERITAGE and INNOVATION
By Melissa De Valcourt

N estled in a quiet town outside of Geneva Lake, Wisconsin, Grand Craft

Boats has established itself as a beacon of exquisite craftsmanship and
timeless design in the maritime world. With a legacy spanning over 44 years,
the boatbuilder has seamlessly blended tradition with innovation to create
vessels that are as luxurious as they are enduring.

CUSTOMIZATION: TAILORING DREAMS into REALITY

the WINCHESTER:
a MAJESTIC COMMUTER
One of the distinguishing factors of Grand Craft Boats is its dedication to
customization. Each vessel is a canvas waiting to be painted with the owner’s Grand Craft Boats takes a leap into the future with the
unique vision. Whether it’s a specific color scheme, bespoke cabin layout, or introduction of the Winchester, a breathtaking 36-foot
commuter model. This U.S. Coast Guard-certified vessel
personalized finishes, Grand Craft’s team of skilled artisans works closely with
epitomizes the union of heritage craftsmanship with
clients to ensure that their boat is a true reflection of their individuality. This cutting-edge technology, setting a new standard for
bespoke approach transforms each Grand Craft boat into a cherished, one-of- contemporary boating. The Winchester exudes an air
a-kind masterpiece. of regal sophistication, commanding attention with its
stately presence and opulent detailing.

Grand Craft Boats continues to redefine the art of boatbuilding, seamlessly
blending heritage craftsmanship with modern innovation. The Burnham,
Clybourn, and Winchester are shining examples of this harmonious fusion,
offering boating enthusiasts vessels that are not only luxurious but also endur-
ing. As Grand Craft Boats forges ahead into the future, their commitment to
excellence ensures that each vessel that leaves their workshop is not just a
boat, but a legacy, a work of art, and an invitation to embark on a journey
through time and water.
Built to cater to discerning owners who value both
performance and opulence, the Winchester boasts an
array of modern amenities and state-of-the-art features.
From a spacious and meticulously designed cabin
to advanced navigation systems, every inch of the
Winchester exudes luxury and functionality. With its
expansive deck space and comfortable seating for well
over 20 passengers, this commuter model promises not
just a journey, but an experience.

96 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 97

 the BURNHAM:
a MODERN CLASSIC
The Burnham, an embodiment of Grand Craft’s commit-
ment to melding classic aesthetics with modern func-
tionality, stands as a testament to the brand’s heritage.
This 26-foot runabout exudes an understated elegance,
with sleek lines and a refined profile that harks back
to the golden age of boating. Crafted from the finest
mahogany and teak, the Burnham is a masterpiece of
woodwork, showcasing the timeless appeal of these
materials in boatbuilding.

the CLYBOURN:
COMBINING the BEST
of BOTH WORLDS
One of the defining features of the Clybourn is its fusing
of the practicality of a fiberglass hull with the timeless-
ness and beauty of mahogany decking. Whether cruising
along calm fresh waters or making a statement at an inter-
coastal marina, this vessel effortlessly marries luxury with
performance. The attention to detail is evident in every
facet, from the carefully selected finishes to the metic-
ulously designed cockpit. With modern marine systems
such as stern drive and joystick control or its powerful
twin engines, the Clybourn offers an unparalleled boating
experience without compromising on the classic charm
that Grand Craft is known for.

98 | Coastal Lifestyle Magazine coastallifestylemagazine.com | 99

 E A S T B AY
CLOTHIERS

Populuxe

BRING YOUR ©2023 Ferguson Enterprises LLC 1023 5881292

VISION TO US YOUR LOCAL SHOWROOM:

MOBILE
DESTIN
The experts at Ferguson Bath, Kitchen & Lighting Gallery are here
to help create a home that’s as extraordinary as you are. HOLIDAY CHEER FOR MEN & WOMEN!
Any project, any style, any dream—bring your inspiration to fruition at 39 NORTH SECTION STREET | FAIRHOPE, AL
Ferguson Bath, Kitchen & Lighting Gallery. Visit build.com/ferguson to 251.928.6848 | EASTBAYCLOTHIERS.COM | @EASTBAYCLOTHIERS
schedule your personalized showroom experience today.
 money sense

Q&A: How can I make the most of my inheritance?

What you need to know about the recently passed law that could revolutionize retirement planning for people of all ages.

AN INHERITANCE CAN SEEM LIKE a mixed for the best. Too often beneficiaries make resolved. In the best-case scenario, parents

Advice for what matters most,

blessing, coming as it often does after the large purchases or sweeping decisions that have worked with their advisor and estate
loss of a loved one. At such an emotional they later regret. Even paying off debt right attorney to construct a will or trust in such
time, it can be difficult to think through away may not be in your best interests, a way that its provisions account for the

when you need it most

what you need to do to manage the gift. says Hindman. “Does it make sense to beneficiaries’ desires — for instance, which
But even if your parents decide to give pay off a mortgage at a rate below 3%? child wants to keep the family home or
you your inheritance, or a portion of it, You might do better than a 3% return work in the family business.
while they’re still living — as many parents elsewhere,” he notes.
increasingly prefer to do — you’ll likely Q: How could my inheritance affect For more information, contact
Instead, consider setting up a meeting with
have many questions, says Kevin Hindman,
your advisor to discuss your competing
my taxes? Congratulations
Merrill Financial Advisor to S. Wesley Carpenter for being named to:
managing director and wealth strategies A: For tax purposes, inheritance generally
goals and how you could manage your S. Wesley Carpenter
executive, Bank of America Private Bank. isn’t considered income, but there are • 2023 Barron’s “Top 1,200 Financial Advisors” list, published on March 10, 2023.
newfound wealth to help you pursue some exceptions. If you inherit certain in the Fairhope, AL, office
You might want to schedule a conversation them. Bank of America Wealth Strategist tax-deferred accounts like a traditional IRA Rankings based on data as of September 30, 2022.
at 251.990.2361
with a financial advisor and your personal Victor Diune suggests looking at four or 401(k) account, you’ll pay taxes on your
tax professional in advance to discuss the buckets — spending needs, short-term withdrawals, including RMDs, as ordinary or wesley_carpenter@ml.com.
• 2023 Forbes “Best-in-State Wealth Advisors” list, published on April 4, 2023.
potential tax consequences and how the goals, long-term goals and philanthropy. income at whatever your rate is.
gift could help you pursue your goals. It can “How you allocate your inheritance to these
1
Rankings based on data as of June 30, 2022.
An eligible designated beneficiary (EDB) is a surviving
spouse, disabled or chronically ill individual, an individual
also make sense to talk with your parents buckets depends on your situation,” he When it comes to taxable accounts and who is not more than 10 years younger than the
about their hopes for your financial future. says. If you have young children, a portion other assets like real estate, there’s the decedent, or a child of the account owner who has
Read the insights below for a better sense could go toward college costs in the possibility you’ll owe no income tax, not reached age 21. Distribution rules differ based on S. Wesley Carpenter, CPWA®, CFP®, ChFC®
the date of death, whether or not the beneficiary is an
of how to prepare for the many issues heirs long-term bucket. But if you’re looking at because the cost basis of the asset gets
EDB, and whether or not the original account owner Managing Director
can face. renovating your home or relocating, you’ll stepped up (or down) to current fair market
probably want to put those funds into a value upon its owner’s death, thereby
died before or after their required beginning date for
required minimum distributions.
Senior Resident Director – Wealth Management Advisor
Q: How do I begin a conversation with short-term bucket and make sure they’re wiping out any taxable capital gains on Portfolio Manager
my parents about their estate plans? easily available. appreciated assets, says Hindman. Keep
A: It’s not necessary to ask how much in mind that if you inherit an asset that 251.990.2361
money your parents might leave you. Start Q: What if my inheritance isn’t in cash? provides income — say, a trust that pays
the conversation by asking about their A: Most inheritances aren’t, says Hindman. out annually — it may put you in a higher
wesley_carpenter@ml.com
values and what wealth means to them. You might be named the beneficiary marginal tax bracket. Investing involves risk. There is always the potential of losing money when you invest in securities. Past performance does not guarantee future results. Asset
That can lead to productive conversations of a retirement account — or you could Merrill Lynch Wealth Management
allocation, rebalancing and diversification do not guarantee against risk in broadly declining markets.
about the role an inheritance could play inherit the family home, for instance. If Q: Could my inheritance require changes
in your financial future and what your you’ve inherited a tax-deferred account to my own estate plan? 601 North Section Street
Merrill, its affiliates, and financial advisors do not provide legal, tax, or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
This material is not intended as a recommendation, offer or solicitation for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage,
parents’ expectations might be. This sort like an IRA or a 401(k) account and you’re A: Whenever your net worth changes, you Fairhope, AL 36532
investment advisory (including financial planning) and other services. Additional information is available in our Client Relationship Summary.
of conversation also provides you with the a non-spouse designated beneficiary,¹ should update or revise your estate plan, This material does not take into account a client’s particular investment objectives, financial situations, or needs and is not intended as a recommendation, offer, or solicitation
opportunity to share your preferences and you’ll have 10 years after the death of the says Diune. You may need to consider fa.ml.com/thehartycarpentergroup
for the purchase or sale of any security or investment strategy. Merrill offers a broad range of brokerage, investment advisory (including financial planning) and other services.
priorities. For instance, if there’s a family original account owner in which to fully how to protect certain newly acquired There are important differences between brokerage and investment advisory services, including the type of advice and assistance provided, the fees charged, and the rights and
assets — for instance, a family home or obligations of the parties. It is important to understand the differences, particularly when determining which service or services to select. For more information about these
business, or even a family vacation home, liquidate the account (depending on your services and their differences, speak with your Merrill financial advisor.
and you have no interest in owning either, age relative to the original account owner business that’s been passed down to you
Merrill Lynch, Pierce, Fenner & Smith Incorporated (also referred to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or
be upfront about that. When everyone and certain other circumstances). The rules that you want someday to go to your Source: 2023thatBarron’s “Top 1,200 Financial Advisors” list. Opinions are Barron’s whois evaluated advisors with a minimum
provided by companies are affiliates of Bank of America Corporation (“BofA Corp.”). MLPF&S a registered broker-dealer, registeredofinvestment
seven yearsadviser,
financial services
Member experience
SIPC and a and employed at
understands the expectations, the are complex, and you’ll want to consult children. wholly ownedtheirsubsidiary
current firm for atCorp.
of BofA least one year. Other quantitative and qualitative measures include assets under management, quality of practice, regulatory records, internal company documents
and 100-plus points of advisor-provided data. Rankings do not reflect any client experience, endorse any advisor and are available for client evaluation only. Compensation was not received
outcomes tend to be better for everyone. with your tax professional to help you “Ask yourself, if something happens to you, Insurance from
and annuity products
any Advisors are offered
for the study. through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
understand them and decide on a strategy how will your assets flow to the people Source:
Trust, fiduciary and2023 “Best-in-State
Forbesmanagement
investment Wealth
services, Advisors”
including list.managed
assets Opinionsby the Specialty
provided Asset Management
by SHOOK® Research, LLC team,
and isare provided
based by Bank virtual
on in-person, of America, N.A., Member
and telephone FDIC
due-diligence
Q: I just found out I’m receiving an to address them. and whollymeetings that measure
owned subsidiary bestofpractices,
of Bank America client retention,
Corporation (“BofAindustry
Corp.”),experience, credentials, compliance records, firm nominations, assets under management and
and its agents.
you care about?” he adds. A trust might be Firm-generated revenue (investment performance is not a criterion). SHOOK’S rankings do not reflect any client experience, endorse any advisor, indicate future
inheritance. How quickly do I need to Bank of America PrivateandBank
“Things can get more complicated when one way to accomplish that aim. To learn performance areisavailable
a divisionforofclient
Bankevaluation
of America, N.A.Compensation was not received from any Advisors for the study. Details available at www.SHOOKresearch.com.
only.
make decisions? U.S. Trust Merrill
Company of Delaware
Lynch, is a wholly
Pierce, Fenner & Smithowned subsidiary(also
Incorporated of Bank of America
referred Corporation.
to as “MLPF&S” or “Merrill”) makes available certain investment products sponsored, managed, distributed or provided
converting real assets such as a family more, you might want to engage with an
A: You’ll likely have some time before by companies
Banking products that arebyaffiliates
are provided Bank of of Bank ofN.A.
America, America Corporation
and affiliated (“BofA
banks, Corp.”).FDIC
Members MLPF&S is a registered
and wholly broker-dealer,
owned subsidiaries registered
of Bank investment
of America adviser, Member SIPC and a wholly owned
Corporation.
home or business into cash, especially advisor about ways you might want to subsidiary of BofA Corp.
you receive the funds; depending on the Investment products offered through MLPF&S and insurance and annuity products offered through Merrill Lynch Life Agency Inc.:
when multiple beneficiaries are involved,” use your inheritance to further your own Banking products are provided by Bank of America, N.A., Member FDIC and a wholly owned subsidiary of BofA Corp.
complexity of the estate, the probate Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
notes Hindman. If there are disputes over a legacy — and help make your beneficiaries’ Investment products: Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
process, if applicable, generally takes at
will, it could take years for the issues to be future more secure. Are Not Insured By Any Are Not a Condition to
least six months to a year. That’s often AreSymbol
The Bull Not Deposits
and Merrill are registered trademarks of Government
Bank of AmericaAgency
Corporation.
Federal Any Banking Service or Activity
CPWA® is a registered certification mark of the Investments & Wealth Institute®. For more information about the Institute and the CPWA certification, please visit investmentsandwealth.
The Bull Symbol
org. CFPand Merrill
Board arethe
owns trademarks of Bank
marks CFP®, of America
CERTIFIED Corporation.
FINANCIAL PLANNER™, and CFP® (with plaque design) in the U.S. The ChFC® is the property of The American College of Financial Services,
which
© 2023 Bank of reserves
America sole rights toAll
Corporation. itsrights
use, and is used|byMAP5071549
reserved. permission. | WP-05-23-0214 | 472503PM-0322 | 05/2023
A Portfolio Manager can help clients pursue their objectives by managing on a discretionary basis his own Personalized or Defined Strategies, which may incorporate individual stocks and
bonds, Merrill model portfolios, and third-party investment strategies.
© 2023 Bank of America Corporation. All rights reserved. MAP4960336 | AD-04-23-0596.B | 472538PM-1022 | 04/2023

104 | Coastal Lifestyle Magazine

DON’T WAIT UNTIL THE LAST MINUTE.
(BECAUSE HURRICANES WON’T)

AFFORDABLE • TREE REMOVAL • LAND CLEARING

• DEBRIS REMOVAL • STUMP GRINDING
• TREE TRIMMING • DRAIN & IRRIGATION SYSTEMS
TREE SERVICE • LANDSCAPING

CALL (850) 866-5486 TODAY Insured Commercial / Residential