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Representatives from the Princeton Reviewwill conduct a free practice SAT test at FortBend County Libraries’ Sienna Branch Li-brary, on Saturday, October 22, from 10:00

am to 2:15 pm, in the Large Meeting Room. A fol-low-up strategy session will take place on Saturday,October 29, from 10:00 am to 12:00 noon, in the li-brary’s Large Meeting Room.Students will take the practice test during session

one, and will review their scores and learn strategytips to increase their future scores at the second ses-sion. Students are encouraged to bring two #2 pen-cils and a non-graphing calculator. The SAT is usedby U.S. colleges to determine admissions and toaward scholarships and grants. The test is three hoursand 45 minutes long, and consists of three sections –Critical Reading, Writing, and Math.The sessions are free, but seating is limited and

reservations are required. To register online at the li-brary’s website (www.fortbend.lib.tx.us), click on

Free SAT Practice Testat Sienna Branch Library

“Calendar,” select “SiennaBranch Library,” and find theprogram. Participants may alsoregister by calling the library at

281-238-2900, or by visiting the li-brary located at 8411 SiennaSprings Blvd in Sienna Plantation

SP-ins 10-11-2:Layout 1 9/21/2011 9:20 AM Page 13

11

BELIEVE ANDACHIEVE

MARSHALL YOUR MONEY:BUILDING WEALTH IN2012 AND BEYOND

HEALTHY NEW YEAR,HEALTHY NEW YOU

A NEW BODY FORTHE NEW YEAR

8

10

4

MONTHLY DEPARTMENTS:3 COMMUNITY PROFILE

A SPECIAL WELCOME FOR NEWBORNS

5 MARSHALL YOUR MONEYCHART THE FUTURE OF YOURFAMILY BUSINESS

6 ASK THE EXPERT

CONTENTSFEATURES

Sienna Plantation News is an advertiser-supported publication wholly owned byCommunity Magazines LLC, publishers of custom publications for narrowlyfocused audiences. There is no affiliation with Sienna Plantation, SiennaPlantation Residential Association Inc. or Johnson Development.Send correspondence to: Community Magazines LLC, 9119 Highway 6,Suite 230 # 111, Missouri City, Texas 77459To advertise in Sienna Plantation News, call (281) 778-9782or email: communitynews@entouch.net.

COVER PHOTO BY YURI GEVRASEV, VISAGE PHOTO STUDIO,SUGAR LAND, TEXAS

TOP: With 21 years in the financial planning industry, James Marshall,Sienna Plantation resident and owner of Marshall WealthManagement, says one fundamental remains steadfast: to maximizefinancial success, you need a plan.BOTTOM: Every Fort Bend County baby born during Children’s BookWeek, January 22 -28, may receive a special baby book bagcourtesy of the Friends of Fort Bend County Library.

Wealth Building issue

Houston’s first free-standing heart hospital, the Memorial Hermann Heart & Vascular Institute-Southwest, is celebrating its fifth anniversary this month and

continues to offer its patients the most innovative technology along with the highest quality of care. The Institute was recently named one of the 50 Top Cardiac Hospitals in the United States.*

New Procedure for High-Risk Patients with Aortic Stenosis

When blood rushes through the heart and surrounding blood vessels, it makes noise. But although all hearts make sounds, not all heart sounds are normal. Unusual heart sounds are called heart murmurs. Specialists affiliated with the Memorial Hermann Heart & Vascular Institute-Southwest can identify the source and cause of a patient’s heart murmur based on its location, quality and timing.

“Our team of dedicated professionals determines if these murmurs are benign or life-threatening. Each patient has the benefit of a complete case review and receives our evaluation as to a proper course of treatment,” says Luis Echeverri, M.D., a cardiothoracic and vascular surgeon affiliated with the Institute.

Symptoms of dangerous heart murmurs may include shortness of breath, chest pain, weakness and palpitations. You should seek further evaluation if you experience these kinds of symptoms and have a history of heart murmur or aortic stenosis, or a family history of heart murmurs and heart disease.

A multidisciplinary team affiliated with the Institute was recently chosen as one of the few teams in the country, and the only hospital in Houston outside of the Texas Medical Center, approved to perform an innovative procedure for patients who suffer from critical aortic stenosis but are not eligible for traditional, open-heart surgery.

“The approval of this device for patients with severe aortic stenosis who are not candidates for open heart surgery is a tremendous advancement in the field of medicine,” says Earl Mangin, M.D., a board-certified cardiologist affiliated with Memorial Hermann Southwest Hospital. “I believe that this procedure will allow these patients a low-risk alternative therapy that should improve their quality of life tremendously. We are all genuinely excited to be one of only a handful of sites selected to offer this landmark procedure for patients at Memorial Hermann Southwest.”

To find out more or to determine if you are eligible for this cutting-edge procedure, please call us at 1.855.5.MURMUR.

*As part of the Memorial Hermann Hospital System

Red Wine and Dark Chocolate EventUniversity of Houston at Sugar Land 14000 University Blvd. at U.S. Highway 59Thursday, February 236 – 8 p.m.

Grab your friends for a fun evening as we discover what makes your heart tick with experts affiliated with Memorial Hermann Southwest and Memorial Hermann Sugar Land hospitals. Join us as we reveal how to live a heart-healthy lifestyle:

• Make over your heart through advice from expert physicians

• Eat healthier with tips from a registered dietitian• Enjoy a sampling of heart-healthy appetizers while

enjoying red wine and dark chocolate

Light appetizers, door prizes and free blood-pressure screenings will also be available.

The event is free but space is limited. To register, call 713.222.CARE (2273).

Top-Ranked Cardiovascular Care Offered Close to Home

The highly skilled team of affiliated cardiac specialists approved to perform the TAVR procedure at the Memorial Hermann Heart & Vascular Institute-Southwest includes Johanna Higgins-Clowney, M.D., Devang Patel, M.D., Robert Baldwin, M.D., W. Carter Grinstead, M.D., Earl Mangin, M.D., and (not pictured) Luis Echeverri, M.D. (Larry Pullen Photography)

• 3www.siennaplantationnews.com • JANUARY 2012

COMMUNITY PROFILE

In celebration of Children’s Book Week, January 22-28, Fort Bend County Libraries (FBCL) will continueits annual tradition of welcoming newborns to thewonders of books. Every Fort Bend County baby

born during this week may receive a special baby bookbag, courtesy of the Friends of Fort Bend CountyLibrary. Each bag contains a book, a bib, a specialcertificate, a list of suggested reading for children, andinformation on parenting and on library services. Thesebags represent the library system’s commitment toproviding library services for county residents throughouttheir lives, beginning at birth.

“We hope to start every child born in hospitals in FortBend County on a successful road to life-long learning,”says Susan King, Coordinator of Youth Services forFBCL. “We distribute the baby book bags to babies bornduring that week at OakBend Medical Center inRichmond, Memorial Hermann Sugar Land Hospital,Methodist Sugar Land Hospital, St. Luke’s Sugar LandHospital, and the Fort Bend Family Health Center, but allFort Bend County babies who are born during Children’sBook Week are eligible to receive one, while supplies last.”

Families of Fort Bend babies born at other locationsduring Children’s Book Week should call the YouthServices department, at 281-341-2634, to receive theirbook bag. Not only is reading to a child a wonderfulopportunity for bonding between parent and child, it hasalso been shown to stimulate brain development. Eventhe youngest baby can benefit from the chance to developeye focus by looking at the page of a book, while beingcomforted by the familiar voice of a parent. Readingaloud to children exposes them to the sounds andcadences of a human voice, resulting in an earlier and

A Special Welcomefor Newborns

stronger grasp of vocabulary skills.Parents may introduce infants to

the library by bringing them toMother Goose Time, a free weeklyparent/infant activity program. Asthe children mature, other programs

are designed to interest olderchildren. For more information, callor stop by the Sienna branch librarylocated at 8411 Sienna Springs Blvdin Sienna Plantation or call 281-238-2900. ■

4 • JANUARY 2012 • www.siennaplantationnews.com

If you have met Jeremy Smith you rememberhis engaging smile, approachable style, andwillingness to help. He’s also a great exampleof physical fitness. When you see Jeremy, you

think, hum….personal trainer. And you’d beright. Jeremy, a National Council of Strength andFitness Certified Personal Trainer since 2005 hasbeen active all his life and regularly coaches oth-ers as a Personal Trainer at the Fort Bend FamilyYMCA in Missouri City.

On November 5th

2011, competing for thefirst time in the MuscleMania Space City BodyBuilding Show, NoviceDivision, Jeremy placed2nd in the Heavy WeightDivision of the competi-tion. “I wanted to chal-lenge myself to take it toa higher level. This is be-yond what a regular exer-ciser would do, but as I challenged myself andbelieved in myself, I was able to accomplish some-thing extraordinary,” Jeremy says.

By losing 45 pounds over a dedicated 16-week pe-riod, Jeremy sculpted his body, doing it all naturally, nosteroids, through an intense seven-day training regimenand very strict diet. To see significant physical im-provement, it is generally recommended that oneworkout five times per week, and at least three timesper week to maintain fitness.

“It takes dedication over a period of time to loseweight and increase muscle in a healthy and safe way.You don’t have to give up everything all at once”, Je-remy says. “Mix it up with nutrition, weight resistancetraining and especially aerobic cardio. Change a fewthings at first. Take out the junk food. Eat more veg-etables and lean meats. Be consistent. Change yourlifestyle and you can be successful in reaching yourgoals. You just have to make up your mind to do it.”

Take the next step by investing in personal trainingat the Fort Bend Family YMCA. Jeremy and othergreat certified personal trainers are available to help youreach your fitness and nutrition goals. There is a pack-age to fit every budget. ■

Fort Bend Family YMCA • 4433 Cartwright Road,Missouri City, Texas 77459 • (281) 499-9622

Believe and AchieveBy Sharon Hilburn, Senior Director,Healthy Living and Member Services,

Fort Bend Family YMCA

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"Money is the guarantee that we may have what we want in thefuture. Though we need nothing at the moment, it insures thepossibility of satisfying a new desire when it arises."

~ Aristotle

• 5www.siennaplantationnews.com • JANUARY 2012

MARSHALL YOUR MONEY

Arecent surveyfound that 27% ofbusiness ownersexpect to hand off

their business in the next fiveyears. More than half of thebusiness leaders who plan toretire believe their companieswill stay in the family. A 2010study by Pricewaterhouse-Coopers, however, estimatedthat only about 36% ofAmerican family firms areactually passed on to a sec-ond generation. The transi-tion from one generation tothe next is considered one ofthe biggest risks to the sur-vival of a family-owned busi-ness. The Pricewaterhouse-Coopers study also revealedthat 47% of family firmshave no formal successionplan.

A thoughtful successionstrategy not only outlineswhen and how ownershipshould be transferred, butalso takes tax implications,family relationships andother sensitive issues into ac-count.

Management Succession.Think realistically about who ismost capable, motivated,and/or prepared to run thebusiness. It may take severalyears to groom a successor, soit is important to identify po-tential candidates early. If nofamily members are interestedin leading, you may want toconsider tapping a competent

Chart the Future of YourFamily Business

By James Marshall

individual from outside the family.Ownership Succession. Family members

who are not willing to take on significant op-erating roles maystill want to retain astake in the com-pany. How you de-cide to divide yourownership sharesamong your heirsand business part-ners could have amajor influence onthe future of thecompany. Involvingfamily members inthe process mayhelp smooth thetransition.

Keep Taxes in Mind. Because tax lawstend to change frequently, it is critical to

J. Michael Bennett, M.D.Sports Medicine and ArthroscopyGeneral Orthopedic Surgery

Specializing in Disorders Of the Shoulder,

Elbow and Knee

281-633-0320 www.jmichaelbennett.com

Continued on page 7

Panel of Experts

Dr. Sonhui ChungEye Connection

Dian Ginsberg, MD, FACOGWomen’s Specialty Healthcare

Lynda LochridgeColony Kids

UT Physicians

Dr. J. Michael BennettFondren Orthopedic Group, LLP

Dr. Brian SmithSienna Plantation Animal Clinic

Judy FeinsteinThe Towne Creek School

Dr. Jimin WangCare Today, PA

Lisa McDowellKid R Kids

Dr. Lisa McGriff-MetzPrimarily Kids

Pediatric Dentistry

Stacy Leyk, M.A., CCC-SLPSpeech and Learning Center

Lauren Ta, MD, FACOGWomen’s Specialty Healthcare

Father John RooneySt. Angela MericiCatholic Church

Philip and Tracey GriffinScoop Pilates andPersonal Training

Ask the Expert

Zondria McKinneySienna Dance

Indu DudwalEuropean Wax Center

Marty and Laurena Powell, DDSPowell Dental Care

QMy husband’s year-end bonus isgoing to be more than we anticipated.

Should we take the excess funds and putin our emergency fund or pay down ourcredit card debt?

AFirst of all, a gold star to you for plan-ning ahead and giving serious thought

to your family’s finances. It sounds like youand your husband anticipated some typeof bonus in your cash-flow planning andwere blessed with a little extra. Outstand-

QI’m looking for someone to perform apreventive maintenance check on my

heating system. Can you recommendsomeone?

AAbsolutely. There are four highly rec-ommended local heating businesses

on SugarLandNetwork.com. Each one wasreferred by friends and neighbors in FortBend County. If you are not sure which tochoose, each business has numerous re-views from local residents telling of theirfirst hand experience with the service theyreceived. It’s nice to know a little aboutwho will be coming into your home before

Continued on page 7

Continued on page 7

Chris BergerSugarLandNetwork.com

James MarshallMarshall Wealth Management, LLC

• 7www.siennaplantationnews.com • JANUARY 2012

ing! You should consider addressing yourdebt reduction and cash reserve needs intandem. Just focusing on your debt leavesyou open to the perils of Murphy’s Law a lit-tle longer; if something can go wrong, it willgo wrong. By not funding your cash reservesyou may have to increase your debt to ad-dress an unexpected event. However, if youapply a percentage of your windfall to bothgoals you are strengthening your financialfoundation with more prudence. Good luckand keep building your wealth.

Answer provided by James Marshall,Marshall Wealth Management, (281) 903-7311.

they arrive and know of their reputation inthe community. There are a total of 71 com-bined reviews for these four heating con-tractors. Browse through the reviews to helpdecide what heating service company willbest suit your needs. Many of them havecoupons on their SugarLandNetwork.com Adpage so take advantage. Simply go to Sug-arLandNetwork.com, look at the directoryand select “Air Conditioning & Heating”under the “Home or Business Interior Needs”category. While you are visiting SugarLand-Network.com spend time visiting other cate-gories as well.

Answer provided by Chris Berger,www.SugarLandNetwork.com.

because we see the many accomplishments our kids make each and every day. Our AdvancED Accredited program and curriculum are written to address the learning styles of each child and build upon those different styles whether they

are kinesthetic, auditory or visual. Each teacher is trained to understand the uniqueness every child brings to the classroom and enhance her talents. One decision can brighten

future let that decisioSchools of Quality Learning.

4401 Sienna Circle, Missouri City, TX 77459

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We can see how bright the future is.

Visit our school today to see the advantages your child will receive

at Kids R Kids!

Haven't converted to a Roth yet?You still have time to decide if a full or partial Roth conversionmakes sense for you this year. You can make contributions to your2011 Roth IRA until April 15th of 2012, and to April 15th 2013 foryour 2012 Roth IRA.

Continued from page 6

Continued from page 6

stay on top of potential estate tax issues. Trusts,buy-sell agreements, and/or insurance policies maybe used to help reduce taxes or provide the fundsto help pay them.

Too often businesses must be sold to either payestate taxes or because family members can’t agreeon how to move forward. Having a plan well be-fore you intend to retire could help ease the transi-tion to the next generation.■

Marshall Wealth Management LLC • 101 South-western Blvd, Suite 136 • Sugar Land, Texas 77459• (281) 903-7311 • www.marshallyourmoney.com

Chart the Future of YourFamily BusinessContinued from page 5

Marshallyour moneyBuilding wealth in 2012

and beyondBy Denise R. Williams

“I’ve been in the financial planning indus-try for 21 years,” says James Marshall,owner of MarshallWealthManagement.“I’ve seen various trends come and go,

but one fundamental remains steadfast: to maximizefinancial success, you need a plan.” And the sooneryou implement that plan, the better. Over a 20 yearhorizon, investing $100 permonth with a compoundannual interest rate of 3% will produce a better re-turn than a $1,000 investment with an 8% returnover a 24-month window (approximately $32,000versus $26,000).

When it comes to wealth building, time is yourfriend. For other useful advice and timely wealthbuilding tips visit www.marshallyourmoney.com,schedule a complimentary consultation, and order acopy of James Marshall’s book, Wealth: Unlock the se-crets to creating and protecting black family prosperity! “Toooften people are reluctant to seek advice from a pro-fessional and they end up pursuing a less than opti-mal path,” says Marshall.

When choosing someone to help you manageyour wealth, select carefully. Know your adviser’sbackground and understand how he or she gets paid.Don’t be afraid to ask for references. Discuss youradviser’s track record and decision-making processwhen it comes to investments. Ensure you and youradviser’s goals are aligned by putting your expecta-tions in writing. Be confident that there are checksand balances in the way business is conducted. It’snot just yourmoney; it’s wealth that belongs to futuregenerations, as well.

Marshall WealthManagement advocates The HiveFamily Wealth Building System as a mechanism for cre-ating intergenerational wealth. In this system, fami-lies pool resources to create self-sufficient networksand trusts. “I know sometimes every one in the fam-ily doesn’t get along,” Marshall says, “but it’s time tomove beyond all that.” Families can and should cre-

• 9www.siennaplantationnews.com • JANUARY 2012

We focus on you, so you can focus on the more important things...

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ate their own buying co-ops andbanks. As a family group, theycan purchase life and health in-surance. “It wasn’t until my fa-ther died that I discovered hislife insurance policy had lapsed.”Following a “hive system” helpsensure situations like that don’thappen.

James and Donna Marshallmoved from Louisville, Ken-tucky to Sienna Plantation threeyears ago with their two daugh-ters, Zoe and Ava, to be closer toDonna’s family in Galveston.Family members proactivelychoosing to live in close proxim-ity to one another is also a com-ponent of the Hive Family WealthBuilding System. You don’t needthe financial resources of theKennedy clan to create a familymecca reminiscent of theKennedy’s Kennebunkportcompound in Maine. You simplyneed a plan.

There are six basic compo-nents to wealth building: cashreserves, protection planning,investment planning, retire-ment planning, tax planningand estate planning. But thereis no single magic formula onhow these components shouldbe mixed together for optimumreturn on investment. In retire-ment, the general rule ofthumb is that you need 70% ofyour current income to livewell. That may or may not betrue for you. When you startedyour first job, perhaps youshould have maxed out your401(k) contribution and takenadvantage of the employermatching program but you did-n’t. Now what? It looks likeyour parents will need assistedliving care at the same timeyour second child is enteringcollege. Where do you pull themoney to support your parentsand your children without sab-otaging your own retirementplans? Whatever your financial

situation and goals might be, a good financialplanner can help guide you to make the bestdecisions.

So, bring in the New Year with a renewedcommitment to wealth building for yourselfand the generations to come. For help getting

started or advancing a plan already in placecontact James Marshall today. ■

Marshall Wealth Management LLC • 101Southwestern Blvd, Suite 136 • Sugar Land,Texas 77459 • (281) 903-7311 •www.marshallyourmoney.com

10 • JANUARY 2012 • www.siennaplantationnews.com

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The beginning of anew year is whenwe traditionally

take stock of our livesand vow to makeimprovements.Makingsmall, lasting lifestylechanges for betterhealth is a great ideaany time of the year!

Annual wellwoman visits, mam-mograms and regularpre-natal check-ups arevitally important for catching problems at earlystages. AtWomen’s SpecialtyHealthcare, we believea preventative approach not only inhibits diseaseand lowers health care costs, but improves qualityof life. We look forward to lasting relationshipswith each patient as partners inmaintaining your op-timal wellness.

Most of us have a general idea of things wecould do to improve our health, but sometimes weneglect to make it a priority. We all benefit from atleast 8 hours of quality sleep each night, a balanceddiet with lots of veggies and lean proteins, andregular exercise.

Because of the fast pace of modern life andintensive farming methods that have negativelyimpacted the food supply, even people who workto eat right and exercise are often lacking theessential vitamins and minerals that help keep ushealthy. To find out exactly what each patient’sdeficiencies are we recommend MicronutrientTesting – a state of the art evaluation that detectslow levels of specific micronutrients at the tissuelevel.Micronutrients are the nutrients that wemustingest every day because our bodies cannotsynthesize them. New research shows a linkbetween certain vitamin deficiencies and thedevelopment of serious health issues. You mayalready take vitamins, but taking supplements youdon’t need, or low grade varieties, or the wrongdosage can do more harm than good.

Our physical and nutritional needs change as

Healthy New Year,Healthy New YouBy Dian Ginsberg, OBGYNand Lauren Ta, OBGYN

Lower mortgage costs without a refinanceAfter verifying with your loan servicing company that extra moneywill be applied to paying down your principal, add extra money toyour monthly mortgage payment. You can avoid thousands ofdollars in interest payments.

• 11www.siennaplantationnews.com • JANUARY 2012

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we age and vary from individual to individual. Yourstage in life (not just your chronological age), yourmedical history, your lifestyle and the results ofadvanced clinical testing help determine whattherapies would be best for you. Adolescents, thosetrying to conceive, pregnant, post-partum andbreastfeeding mothers, and women in all phases ofmenopause go through vastly different hormonaland physiological changes that affect how they feeland function.

Our wellness programs strive to go beyondmerely testing for disease and prescribingmedications, to looking at all the forces thatinfluence your overall health, well-being and aging.Working together we hope to help each of ourpatient’s live longer, fuller lives.

Dr. Dian Ginsberg and Dr. LaurenTa are now seeing patients atthe UT Physician’s office in SiennaVillage. Call 281-220-2069 for anappointment.

A New Body forthe New Year

Many people’s New Years’ resolutions in-clude a commitment to better physical fit-ness. We all know how that story usually

plays itself out. In 2012, why not write a differentending to your fitness story? According to JosephPilates, developer of the Pilates exercise system, “inten sessions you will feel the difference; in twentyyou will see the difference; and in thirty you will havea whole new body.”

Sienna Plantation residents and owners ofScoop Pilates and Personal Training, Philip andTracey Griffin, can’t guarantee you a new body, butthey have committed to providing each of theirclients uncompromising quality and service thatyields astonishing physical results. Phillip Griffin isa NASM certified Personal Trainer and Perform-ance Enhancement Specialist, and Peak Pilates cer-tified instructor. Tracey Griffin is a licensed PhysicalTherapist and Peak Pilates certified instructor.

Pilates’ movements are designed to fully engagethe muscle for which the movement was intended,concurrently strengthening and increasing muscleflexibility. The practitioner’s focused concentrationon the movement helps promote mind and bodycontrol and prevent injuries.

Scoop Pilates and PersonalTraining offers packages for begin-ners as well as experienced practi-tioners. To get the “Scoop”, contactthem today. ■

Scoop Pilates and Personal Train-ing • 8817 Highway 6, Suite 470 •Missouri City, Texas 77459 •281-778-6801 •www.scooppilateshouston.com •info@scooppilateshouston.com

12 • JANUARY 2012 • www.siennaplantationnews.com

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8810 Highway 6, Suite 100Next to HEB in the Sienna Village Shopping Center

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Conveniently located on Highway 6 just west of the Fort Bend Parkway, UT Physicians at Sienna Village brings world-renowned

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Adult Services include:Cardiology/Non-Invasive testingCV-Thoracic SurgeryEndocrinologyFamily MedicineGastroenterologyGeneral/Bariatric SurgeryGerontologyNephrologyNeurologyNeurosurgeryObstetrics/GynecologyOncologyOrthopedicsPsychiatryPulmonary MedicineRenal DiseaseUrology

Pediatric Services include:General PediatricsCardiologyGastroenterologyNeurologyOtorhinolaryngology (ENT)

As the medical group practice of The University of Texas Medical School at Houston, UT Physicians is a national leader in the

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Through UT Physicians at Sienna Village you will have access to our full practice of more than 1000 physicians certi�ed in 80 medical specialties and subspecialties.

at Sienna Village

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