IMAGE North Shore Evanston - Skokie

• DentalImplants

• DentalVeneers

• InvisalignBraces

• TeethWhitening

• Cosmeticperiodontalsurgery

(softtissuegrafting)

• Surgicalandnon-surgical

periodontaltherapy

• Teeth-in-a-dayimplant

procedures

• Complexfullmouthdental

rehabilitations

• Toothremoval(thirdmolars)

wisdomteeth

• Cosmeticimplantprocedures

• Aestheticbonereplacement

• SmileDesignMakeovers

• VELScopeoralcancerscreening

exam

• Lasersurgery

Our team provides the utmost care for our patients needs and safety. We strive to make sure our patients are relaxed and cared for as much as possible. Our exam rooms are equipped with comfortable chairs and use clean filtered and distilled water through all of our dental apparatus. We incorporate the latest technologies in dentistry (i.e. digital x-rays, lasers, etc.). Dr. Adams works at several offices throughout Chicago suburbs and Northfeild, IL.

Dental Procedures:

Dr.AdamsisamemberoftheAmericanAcademyofCosmeticDentistry,American

DentalAssociation,ChicagoDentalSocietyandamemberofboththeAmericanand

InternationalAcademiesofImplantDentistry,aswellasnumerousotherprofessional

organizations. He also received a fellowship award in 1998 from the International

CollegeofDentistsinSanFrancisco,California.Dr.AdamshasreceivedAmerica’sTop

DentistsAwardeveryyearfrom2005throughthepresentforCosmeticandImplant

Reconstructive Dental Surgeon by Consumers Research Council of America. Dr.

AdamsperformsCosmetic,GeneralandImplantDentistryandservesasaconsultant

tobiomedicalcompanies,laboratoriesanddentalfocusgroupssoasaresult,people

comefromalloverthecountryandeventheworldtoseehim.

OralPhysicianDoctorOfDentalSurgery

Cosmetic,GeneralAndImplantDentistryDental Implants

Call to Schedule an Appointment: 330W.FrontageRd.Suite2A,Northfield,IL60093•(847) 784-5555 •dradamsdentist.com

Dr.ThomasAdamsIsamemberoftheAmericanAcademyofImplantDentistry.

1 imagenorthshore.com1 3 8 CH I C AGO M AG .CO M JA N UA RY 2 016

ANTHONY GEROULIS, MD & CHARLES GALANIS, MDKnown as ‘the surgeon who teaches surgeons’, Dr. Anthony Geroulis is a clinical professor of surgery at the University of Chicago hospitals and nationally recognized as a ‘Top Doctor’ in U.S. News & World Report. Dr. Geroulis performs facial plastic surgery and cosmetic procedures that provide longer lasting, natural looking results. His unique methods dramatically shorten a patients’ recovery time. Cosmetic procedures performed by Dr. Geroulis include upper and lower eyelid enhancement, forehead/brow lift, face and neck lift, lip and nose enhancement and laser wrinkle reduction.

Board certified plastic surgeon Dr. Charles Galanis now joins Dr. Geroulis. After surgical training at the prestigious Johns Hopkins Hospital, Dr. Galanis completed comprehensive training at UCLA’s highly regarded plastic and reconstructive surgery program, where he worked alongside some of the most well-known plastic surgeons in Beverly Hills and the greater Los Angeles

area. After dedicating his time largely to breast and body reconstruction, Dr. Galanis now focuses on breast and body aesthetic surgery. He employs the most cutting edge methods such as the new to the market Crisalix® system–the first ever cloud-based 3D imaging system–which gives patients secure online access to see their “before and after” pictures BEFORE their surgery. Dr. Galanis is also the only surgeon in Illinois with virtual reality glasses allowing you to step into your new body before stepping into the operating room!

The North Shore Center for Facial Plastic and Cosmetic surgery is a state-of-the-art surgical facility utilizing the latest technology available for cosmetic procedures. With a commitment to surgical excellence and compassionate care, Drs. Geroulis and Galanis take the time to understand patient goals and expectations and deliver beautiful results. Call or email to schedule a consultation today.

LOCATIONSNorth Shore 330 W. Frontage Rd. Northfield, IL 60093

Downtown Chicago 737 N. Michigan Ave. Chicago, IL 60611

St. Alexius Medical Center 1555 Barrington Rd. Hoffman Estates, IL 60169

University of Chicago Medicine 5841 S. Maryland Ave. Chicago, IL 60637

847-441-4441 geroulis.com galanisplasticsurgery.com

E-mail: [email protected] [email protected] Facebook: facebook.com/drgeroulis

PHOT

O BY

DAV

E REN

TAUS

KAS

S P E C I A L A D V E R T I S I N G F E A T U R E

2imagenorthshore.com

Thank you for joining IMAGE North

Shore. As editor in chief, I’ve taken a

leap of faith to bring forth this great

publication. I’m asking our locals in

the North Shore to be a part of this

journey as we learn, network, and

receive the tools we need to grow

and enhance our toolbox of life.

As a 41-year-old single mother, I

look at my life, and many of my

colleague’s lives, and realize that we

are ALL IN IT TOGETHER! No matter

if we are married, single, or have

extensive and busy lifestyles, how

can we come together and make a

difference in each other’s lives? Most

importantly, how are we going to

optimize and enhance our inner self?

I would like to thank Eve J. Alfillé for

sharing her passion and love for her

work. Eve has blessed many families

near and far with her personalized and

geological designs that have turned

many memories into treasures.

Thank you to our advertisers who

saw a vision for the publication and

wanted to educate our community

on what matters most – themselves

and their loved ones.

Join IMAGE North Shore as we

crusade through different seasons

of life together. As we begin this new

season, I look forward to enhancing

your lifestyle with each of you!

Cheers!

Linda Del BosqueEditor-in-Chief

Departments 4 Wealth Management Choosing A Smart Financial Advisor

Elite Asset Management’s

John Eiduk, CPA, CFP, tells you

exactly what to look for when

choosing who handles your finances.

6 Community Circle First Trust & Bank Presents Evanston

Chamber of Commerce Annual Event.

7 Positive Chi What Exactly Is This Thing Called

Chi Anyway? Expert Lindy Ferrigno

tells you how to stay spiritually fit by

balancing your chakras.

10 Cover Feature Evanston’s Hidden Gem

Jewelry designer Eve Alfillé weaves

the past and the present into one

through her meaningful jewelry pieces.

12 TrueHealth When Diet and Exercise Leave You

Hanging - Dr. Charles Galanis, M.D.

tells you how to get your own body

back through restorative plastic

surgery.

14 Wellness When you lead a balanced life, you

focus on living life as the best version

of yourself. A well-balanced person

can focus their attention on

achieving their goals and moving

forward with their life in a

meaningful way.

15 Editor’s Profile Lower Eyelid Surgery

What if there was a lower eyelid

surgery with no visible incision?

Dr. Anthony J. Geroulis, M.D. has the

solution.

16 Quality of Life What Do You Really Know About

Your Homeowner’s Insurance Policy?

Heil & Heil specializes in custom

homeowner’s insurance plans to fit

you and your family’s needs.

A MessAge froM the Editor

Credits

Table of ContEnts

Cover Picture Bordeaux Studio I bordeauxstudio.com

Photographers Annette Kerstin Patko, Bordeaux Studio I Jerry Alt, Bordeaux Studio

Publisher & Editor in Chief Linda Del Bosque I Advertising Office 847-971-1433

Marcos Perez Graphic Designer I Doug Fleener Graphic Designerr I Emma Reynolds Editor

imagenorthshore.com I Facebook.com/imagenorthshore

Copyright © IMAGE North Shore and all Rights Reserved. No part of this magazine may be reproduced or transmitted in any form or by any means without written permission from IMAGE North Shore.

10

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Finding someone to advise you on your finances is a huge decision we all face, but knowing what to look for can help save you time, money and stress.

Whether you are transitioning jobs and have a 401k with a previous employer, or you simply have some extra cash you want to put in the market, hiring a financial advisor is tough. With so many options, it’s hard to know where to look and who to choose.

Aside from looking at a financial advisor’s credentials, expertise, and expe-rience, there are other important characteristics to look for: honor, integrity, and transparency. No matter what services you want from an advisor, they are handling your money, and ultimately your well-being. Knowing that your money is in the hands of a trustworthy advisor is crucial.

Chicago-based, John Eiduk, CPA, CFP, has been in financial services since 2011. In September 2015, he founded Elite Asset Management believing there is a better way to manage portfolios for investors. The firm is an indepen-dent, fee-only registered investment advisory firm (RIA) that offers a suite of portfolios known as their investment strategies. Each portfolio is designed to serve multiple investor personalities and styles, as each strategy has a varying degree of strategic and tactical investments.

“The client-advisor relationship is sacred, and the foundation needs to be trust,” Eiduk says. “Clients should understand why they are working with a particular advisor.”

There are many questions you should be able to answer about your current advisor or any future advisors.

The first step to consider is compensation. Many advisors’ fee structures are vague and difficult to comprehend; you want an advisor that is transparent with his or her fee structure, and you should know your client fee. A 1-1.5 per-cent management fee for your total financial assets is appropriate. Also, note if your advisor receives commission. Advisors who earn commission rather than an asset-based rate may feel the incentive to steer you in a particular direction. After their fee structure is laid out, determine the type of responsibility your advisor will have: fiduciary or suitability. The fiduciary standard has the highest level of accountability to the client, meaning that your advisor must place your interest above his or hers. In this structure your advisor must make recommen-dations that are the best for you, even if those options result in less income for

him or her. EAM upholds the fiduciary standard with each of its clients.

Next, find out how long the advisor has been in practice. Ask what pro-fessional certifications, licenses or designations he or she has. There are various types of certifications.

Certified Financial Planners (CFP) handle planning for retirement, saving for education, managing taxes and in-surance coverage. CFPs bring togeth-er all the pieces of a financial life. Cer-tified Public Accountants (CPA) are experts in taxation and well-versed in other areas of finance, too.

Chartered Life Underwriters (CLU) and Chartered Financial Consultants (ChFC) are typically associated with insurance companies. The main dif-ference between CFPs versus CLUs and ChFCs is that CFPs are required to pass a comprehensive board exam.

Eiduk’s credentials as a CPA and CFP demonstrates a commitment to ex-cellence and that combination is very rare in the financial services field.

Some advisors may only offer estate planning, insurance, portfolio man-agement or tax planning, while others help you manage your investments, perform financial analyses or assist in general financial planning. Determine if you are seeking a single advisor to help you develop your holistic goals, or you just need a certain service.

When it comes to a single service, such as investing, don’t be afraid to ask questions. Inquire about their investing decisions, what they do in various market climates, or how they would handle a typical investment situation.

At the end of the day, ask yourself if you feel comfortable with this person. Dealing with an intimate issue, such as money, requires a connection and sense of trust with whomever you choose.

Emma Reynolds

Choosing A smArt FinAnCiAl Advisor

Wealth Management


Elite Asset Management www.eliteassetmgmt.com

John A. Eiduk, CPA, CFP®

(847) 917-8981 [email protected]

Hi, my name is John A. Eiduk, CPA, CFP®

Where would you like to go?

Please choose from one of the restaurants listed on the right.

I am a Financial Advisor and Principal of Elite Asset Management. We are an independent, fee only, registered investment advisor (RIA). We offer a suite of portfolios known as our investment strategies, that span across multiple styles and are designed to serve various investor personalities and goals.

You and a guest are cordially invited to sit down with me for a complimentary one-on-one lunch to discuss investment planning strategies. This is NOT a seminar event.

This is a great way for you to learn about Elite Asset Management and for us to better understand the financial goals that are important to you. We look forward to sharing our approach and helping you plan, so that you can enjoy your investments to the fullest. We can address some of the following concerns over lunch:

• How much can I spend during retirement and will the money I have saved last?• Is my portfolio aligned with my goals?• How can I prepare my portfolio for retirement?• Is my portfolio positioned to handle a bear market?• Am I paying too much in fees?

Please join me for lunch.

“If you fail to plan, you are planning to fail!” – Benjamin Franklin

4999 Old Orchard Shopping Ctr.Skokie, IL 60077

1250 E Higgins Rd,Schaumburg, IL 60173OR1300 Patriot Blvd, Glenview, IL 60026

4077 Lake Cook Rd.Northbrook, IL 60062

To make your reservation and confirm a date and time please call (847) 917-8981.


































This is a great way for you to learn about Elite Asset Management and for us to better understandthe financial goals that are important to you. We look forward to sharing our approach andhelping you plan, so that you can enjoy your investments to the fullest. We can address some ofthe following concerns over lunch: • How much can I spend during retirement and will the money I have saved last?• Is my portfolio aligned with my goals?• How can I prepare my portfolio for retirement?• Is my portfolio positioned to handle a bear market?• Am I paying too much in fees?



Hi, my name is John A. Eiduk, CPA, CFP®I am a Financial Advisor and Principal of Elite Asset Management. We are an independent, fee only, registered investment advisor (RIA). We offer a suite of portfolios known as our investment strategies, that span across multiple styles and are designed to serve various investor personalities and goals.


1250 E Higgins Rd,Schaumburg, IL 60173OR1300 Patriot Blvd,Glenview, IL 60026 4999 Old Orchard Shopping Ctr.Skokie, IL 60077




Elite Asset Managementwww.eliteassetmgmt.comJohn A. Eiduk, CPA, CFP®



2016 AnnuAl CelebrAtion Presented by First Bank & Trust

2016 Evanston Chamber President James

Pepa of Porte Brown presided over the 96th

Annual Celebration. Honors were awarded

to Kevin Mott of Edward Jones, as Public

Service/Nonprofit Person of the Year;

Patrick Hughes Jr. of Inclusion Solutions, as

Community Leadership Person of the Year;

and Joseph Liss CPA of Porte Brown, as

Businessperson of the Year.

The event was held at Peckish Pig, where

members and community leaders celebrated

an evening of honors and business

achievements.

Photo CreditGenie Lemieuxevanstonphotographicstudios

Community Circle


In the past few years, we’ve regularly heard people

refer to Chi in common conversation. We know it

is pronounced “chee,” and we’ve seen it spelled a

couple of different ways – “Chi” or “Qi” But what is

it, really?

The word ‘Qi’ comes to us from Asia and is

commonly translated as “energy” or “life force.” But

every indigenous culture around the world – from

Asia across Europe to North America, and from

the top of the Arctic to the tip of Africa and South

America – has its own take on this concept. Over

the next few months, we will explore Qi from the

perspectives of several different cultures in this

column.

Although traditions may vary from culture to culture,

they share basic concepts. One common idea is

chakras. Chakras are swirling globes of energy

throughout the bodymind system that keep you

vibrant, healthy and alive. Although we commonly

associate chakras with India, the idea of centers of

energy in the body that nurture and strengthen our

life force is common across the world.

Chakras organize and regulate your energy. They

receive, assimilate and transmit the life force that

is in you. When you increase the power of your

chakras’ vibrations, you upgrade the quality of

your cellular intelligence. You amplify the energy

that improves health and happiness, and you build

mental strength and spiritual fitness. In fact, learning

to clear them helps keep you fit – both physically

and spiritually.

There are seven main chakras and several smaller

ones all over the body. The seven main chakras are

centered at the very core of you – right in the center

of your body in front of your spine. They ascend

from the tailbone to the top of the head. They

contain the colors of the rainbow, starting at the

base of the spine with red, and ending at the crown

of the head with purple.

1st – Root – Physical – The right to

be and to have – Red

2nd – Navel – Emotional – The right

to feel – Orange

3rd – Solar Plexus – Ego – The right

to act – Yellow

4th – Heart – Social – The right to

love and be loved – Green

5th – Throat – Creative – The right

to hear and speak – Blue

6th – Third Eye – Archetypal – The

right to see – Indigo

7th – Crown – Universal – The right

to know – Purple

WhatExactly is this thing

called chi, anyway?

Positive Chi

continued onto page 8


Shamanic GuideA Path With Heart

Shiatsu SpecialistAcupuncture Without Needles

847-975-7959Heartwood Center

1818 Dempster St., Evanston, IL 602021818 Dempster St., Evanston, IL 60202www.lindyferrigno.com

[email protected]

&

recommend getting more sleep. We Americans are so sleep-deprived. Once that is factored in, the mind becomes the most important element because it reflects the spirit of your heart and soul. Chakra development has a positive effect on both mind and body. It usually results in a renewed zest for life and a sense of inner sturdiness. You acquire an elegant map for revitalizing your body and mind to make them compatible. It prepares the way for a gentle opening of consciousness and supports a pleasing view of your life and world.

Look for Chi and Chinese Medicine in the next issue. For more about Chakras, visit: Chakras 101 and More About Chakras.

Lindy Ferrigno is a Shamanic Guide and Shiatsu Specialist in practice since 1975. Heartwood Center, 1818 Dempster St. in Evanston. www.lindyferrigno.com, [email protected],

847-975-7959.

SO . . . HOW DO WE kEEP OUR QI HEALTHY, STRONG AND POSITIvE?The simple answer is – doo, doo-doo, DOO – LIFESTYLE. According to the classics, the key can be found in the following:

• A simple and healthy diet • Moderate exercise • Adequate sleep • Meaningful work• Good family and community relationships • Right-minded thoughts and actions • Regular periods of quiet time for meditation and contemplation

Of course, life in early 21st Century America doesn’t make all of this easy. However, all of it is within reach. But, I have to admit that it takes some determination to get there. If I were given the challenge of picking one thing from the above list that would most impact the health and positive attitude of most of us, I would have to

continued from page 7

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Are you looking to change your career? Or seeking a part-time position to make extra income?

No Experience Necessary!

For more information contact Linda Del Bosque [email protected]


8th AnnualNorth Shore Women’s Conference

Thursday, May 5, 20163:00 pm - 7:00 pm

Free Expo with over 80 Exhibitors & WorkshopsNetworking Fiesta 5:30 - 7:30 pm

$35 in advance/$45 at the door

Holiday Inn North Shore5300 W. Touhy Avenue, Skokie IL

Hosted by the DBR and Wilmette/Kenilworth Chambers of Commerce

Exhibitor and Sponsorship Information

For more information call the Wilmette/Kenilworth or DBR Chamber of Commerce 847.251.3800 or 847.945.4660

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Eve Alfillé’s prolific designs stem far beyond making a fashion statement. Her intricate jewelry weaves the past and present into one.

Rare is it when we find jewelry

that tells a story. Even more rare

is when we find jewelry that

allows us to tell our own story.

That is the concept behind

French-born jewelry designer,

Eve Alfillé.

Alfillé, jewelry designer and

founder of the Eve J. Alfillé

Ltd. Gallery, opened her studio

in the North Shore suburb of

Evanston in 1987. She began

designing jewelry in 1973 after

obtaining degrees in economics

and linguistics and a career in

archaeology. Alfillé’s prolific

designs are unlike that of

any jewelry collection you’ve

seen, bringing the past to the

present by combining a time,

place or person with a cool,

contemporary twist.

The designer incorporates history

into all of her designs. In fact, her

interest in jewelry stemmed from

its historical roots.

It all began when Alfillé

was a field archaeologist.

During her digs, she would

unearth artifacts of all types,

but no matter where she

was searching, she always

found jewelry. She says that,

historically, jewelry was usually

worn as a symbol that guarded

or protected the individual.

And often, it was worn to hang

over the heart. Jewelry was not

just decorative, it had deeper

meanings and roots in a variety

of a belief systems. Alfillé

believes that jewelry today has

the power to do that as well –

thus the genesis of her business.

“[Jewelry is] something

that transcends your daily

existence,” she says. “Something

that has a certain power. And

those who wear a piece would

Evanston’s Hidden Gem


never be the same without it.

I would say when people, the

majority women, come to us,

they usually come because

there is a need.”

The need could be as simple as

women rewarding themselves

for something they’ve

accomplished, being a mother,

achieving new career goals,

or simply to treat themselves.

But what really makes Alfillé’s

jewelry so special to her

customers is that every piece

has its own story.

Her rings, for example, have

a personal story all their own.

She says that the outside of the

ring is the part that everyone

sees, but there needs to be

something for the woman, too.

To achieve this, she sets a gem,

“A secret stone” Eve calls it, on

the back of the band for the

wearer to enjoy!

“[Each gem] represents that

you are going to take care of

yourself,” Alfillé says. “As women,

sometimes we feel that our role

is to take care of everyone else

before taking care of ourselves.

And this is a small reminder

that, without you, a lot of things

wouldn’t happen. You have to

value yourself.”

Famous artists, such as Matisse,

nature, or influential and historic

time periods often inspire her

collections. Alfillé’s designs

extend far beyond fashion; they

represent self-expression and

finding a place for each person

in the world. And like the

artifacts she unearthed in her

archaeological digs, she hopes

her jewelry will have that same

impact as it is handed down

generation after generation.

Alfillé’s jewelry allows women to

tell their own stories. Through

her meaningful designs, each

woman is able to celebrate

and honor her own history and

moments in her life.

Emma Reynolds

Bordeaux StudioCommercial and Lifestyle Photography

Evanston’s “Go To” Solution For:• Professional Headshots• Family Portraits• Senior Photo Sessions• Weddings and Engagements• Event Coverage• Food, P• Food, Product and Fashion Photography

Contact us at:[email protected]

Member of The Evanston Chamber of Commerceand Chicago North Shore Convention and Visitors Bureau


There is a theme that is commonly lost in the

cacophony of the stretched faces of reality

shows, societal images of unnaturally enhanced

bodies, and overall stigma attached to the world of

plastic surgery. Not everyone is looking to create a

different body. Some patients just want their own body back.

That journey typically begins with conventional

methods of self-improvement. A healthy diet and

an appropriate exercise regimen, often under the

guidance of professionals, are the first steps in any

transformation. In many, if not most cases these

methods alone will give people the desired results.

Yet even in the context of successful weight loss,

diet and exercise may leave individuals dissatisfied

with their appearance. Why? Many women

experience deflated sagging breasts, and men and

women may encounter excess skin in the abdomen

as well as unsightly stretch marks.

Restorative plastic surgery aims to rejuvenate

specific areas of the body that have changed

with time and weight fluctuations. Both men

and women are candidates, though it’s typically

referred to as the “mommy makeover” surgery

for women. Childbearing, for example, rapidly

expands the abdomen, leading to skin redundancy

and stretch marks. The abdominal muscles, long

strips of muscle that run up and down on either

side of the belly button, can separate from one

another creating a widened torso, loss of the hour-

glass figure, and bulging out from the abdomen.

The breasts may enlarge and atrophy making them

sag lower and lose upper pole volume and height

associated with youthful breasts. All of these

changes may be immune to diet and exercise.

Tummy tuck surgery is designed to remove

excess abdominal skin and is often performed in

conjunction with liposuction to address persistent

pockets of excess fat. Particularly with postpartum

women, the muscles can be tightened during

the surgery so as to restore the patient’s pre-

pregnancy shape. The surgery is performed on

an outpatient basis and typically takes 3-4 hours

depending on the particular needs of the patient.

Patients can immediately resume activities such

as walking, going up and down stairs, and picking

up light objects. They should expect to miss 1-2

weeks of work and are advised to have someone

help with childcare during that period as well. A

compression garment is worn for several weeks

following the surgery. Patients can resume more

plastic surgery: W h e n d i e t and exercise l e a v e y o u hanging

TrueHealth

Charles Galanis, M.D.

Board Certified Plastic Surgeon

North Shore Center for Facial

Plastic & Cosmetic Surgery

330 West Frontage Rd

Northfield, IL 60093

galanisplasticsurgery.com

847.441.4441


rigorous activity by six weeks after their operation

and are completely unrestricted by eight weeks.

There are multiple techniques available to a fully

trained plastic surgeon to address a woman’s breast

aesthetic. When appropriate, these procedures

can be performed at the same time as surgery to

the abdomen to cut costs and overall recovery

time. Loss of breast volume can most effectively

be addressed by implant placement, although in

many cases this is not required. Implant placement

also has the beneficial side effect of lifting the

breast to a perkier, more youthful position. When

volume alone cannot sufficiently lift the breast,

mastopexy, or a breast lift, can be performed

with different incision patterns depending on the

degree of lift required. A common concern I hear

from patients regarding mastopexy is the scarring

involved. Although it is true that some breast

lift operations require more involved incisions,

nearly all women find the reward of an improved

contour to vastly outweigh what are often barely

perceptible scars. Whichever operation is deemed

most appropriate is performed on an outpatient

basis. When performed alone, patients return to

work in a week. They can resume non-impact

exercise at four weeks and incorporate more

rigorous activity beginning at six weeks.

The aging process can certainly be viewed

as a beautiful and essential part of life. For

some patients, however, changes to the body

beyond what is typically associated with aging

can negatively affect their self-confidence. For

patients who have exhausted the benefits of any

and all conservative measures, plastic surgery is

an alternative that can help them reclaim both

their figure and their self-confidence.

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Despite how simplistic it may

sound, achieving balance is an

elusive concept. Times of transition

can make you susceptible to

feeling off-balance. Transition,

good or bad, causes you to seek

solace in many different ways.

There are always things you cannot

control, but changing your attitude

and finding positive, healthful

outlets is a great place to begin.

Identifying the cause of imbalance

in your life isn’t the toughest

part but it’s finding a solution to

create peace in the places that

cause strife. In this day and age,

everyone is being pulled in so

many different directions that it’s

hard to know where to begin.

There are two components to

finding balance: internal and

external goals. Often, external

Wellness

goals, like work, family or finances,

take center stage, while the heart

and mind suffer. Sometimes, it’s the

opposite. Aligning these two aspects

is crucial to live a balanced life.

First you must acknowledge what

is out of whack in your life. Ask

yourself why you feel the way

you do and examine where that

imbalance comes from. Maybe you

are embarking on a new career,

your child is moving away, or

you are going through a divorce.

There is always a silver lining to

new beginnings no matter how

daunting they may seem.

One way you can find balance

is by finding purpose through

spiritual guidance. Turning to God

during times of joy or times of

need restores peace in your life,

even when you can’t see the light

at the end of the tunnel. God can

remind you that you are created

with purpose.

Tips:

• Learn how to say, NO

• Avoid toxic people

• Spend time by yourself

• Call an old friend to have lunch

• Write down things you love about

yourself – and remind yourself daily

• Step outside of your comfort zone

If your life is off-balance, look at it

as an opportunity. Sometimes you

have to lose your balance in order

to regain it. Losing balance isn’t a

weakness or a mistake, but instead

is an exciting opportunity to find it

in a new way. One crucial aspect is

to stop spending time and energy

on things that don’t serve you.

Devote more time to doing what

you love.Emma Reynolds

“Promise yourself to be so strong that nothing can disturb your peace of mind. Look at the sunny side of everything and make your optimism come true. Think only of the best, work only for the best, and expect only the best. Forget the mistakes of the past and press on to the greater achievements of the future. Give so much time to the improvement of yourself that you have no time to criticize others. Live in the faith that the whole world is on your side so long as you are true to the best that is in you.”

–Christian D. Larson.

When you live a balanced life, you focus on living life as the best version of yourself.


OOne of the most common questions I receive from my patients is at what age

they should undergo a lower blepharoplasty. While the answer

dramatically for each individual, I will say that lower eyelid surgery is

procedures that men and women

delicate nature of under eyelid skin, the appearance of which can begin to alter as early as age 35.

As we age, bone and skin changes may result in the eyes looking sunken, tired and wrinkled. Fatty deposits in the lower eyelid area

bags and pouches, commonly referred to as “bags under the

in combination with the sagging of excess skin in the same lower eyelid area. Bags are a result of an inherited tendency towards too much fat for perfect contour, as well as an increased visual laxity of

is structural fat, so diet or weight

I assisted in developing one of the latest techniques for lower

eyelid surgery, coined the “transconjunctival approach,” which I feel is the safest and most

meticulously removing fat pockets with only a single incision on

procedure, performed in less than an hour, is revolutionary because it leaves no visible scar, which is unheard of in other

the best of my knowledge, one of the safest approaches in the hands of a competent surgeon with no reported cases or any complications with vision.

It requires both a mastery of surgical skill in facial cosmetic surgery and experience in artistic creativity in order to achieve truly natural looking results. If too much fat is removed from the under eye area, the patient may appear hollow or gaunt. If performed expertly, this procedure can be one of the most

procedures for facial rejuvenation, dramatically enhancing the attractiveness and shape of

the eyes for a smoother, more refreshed and relaxed look. It is

that makes for outstanding, paradoxically dramatic yet natural results, so the patient doesn’t look as if they’ve undergone surgery.

Anthony J. Geroulis, M.D., FICS Clinical Professor of Surgery University of Chicago Medicine President and Medical Director North Shore Center for Facial Plastic & Cosmetic Surgery

geroulis.com 847-441-4441

Lower Eye l id Surgery: No Visible Incision Transconjunctival Approach

Performed in less than an hour, this procedure is revolutionary.

Bronze sculpture by Dr. Geroulis

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So, what should you be looking for? Here are some key factors when weeding through the insurance jungle.

There are four essential types of coverage for your homeowners insurance:

1. Coverage for the physical structure of your home.

2. Coverage for personal belongings.

3. Liability protection (bodily injury or property damage)

4. Additional living expenses.

One of the fundamental steps in insuring your home’s true value properly is determining its replacement value. Replacement value is the estimated cost to rebuild your home from the ground up if it is destroyed.

To properly insure a home, the insurance carrier breaks down the replacement cost using a specific calculation based on square footage, materials, and age. If any upgrades have been made to the home since its original date of construction, those are factored in, all while making sure that your investment is protected.

You can broaden coverage over estimated replacement cost by adding guaranteed replacement coverage. This adds additional protection, should the insurance company be off on their calculations. This guarantees that the insurer will pay to rebuild your home regardless of cost.

What we see too often are homes that are underinsured on policies that don’t cover the full replacement cost of their residence or contents. It takes a licensed consultant to know what to look for and how to protect your investment.

Now that you understand what goes into calculating the value of insurance for your home, how can you cut some of the cost?

One popular strategy is by carrying a higher deductible. Homeowner’s insurance is for the large claims that potentially will be expensive to fix. But if you can afford a higher out-of-pocket expense, you could save money during the course of each year in which you don’t have a claim. Most homes have some security features such as alarm systems, sprinkler systems, smoke detectors, fire extinguishers and dead-bolt locks that can generate additional discounts on the premiums.

Additionally, if you package your other policies such as auto, umbrella, boat, and personal articles, you are maximizing the credits that the insurance company can offer you.

Don’t settle for a one-size-fits-all homeowners insurance policy. The right policy can make all of the difference in protecting your family, home and hard-earned assets. You need an experienced local insurance broker, with access to multiple preferred carriers who can tailor your coverage to fit your needs – one that works for you.

Quality of lifestyle can be preserved by managing

risk. Let us help you manage yours!

What Do You Really Know About Your Homeowner’s Insurance Policy?

Terri Mlotek, VP-Personal Lines Insurance Gabrielle Glass, Personal and Commercial Lines Producer

With the sea of ads and commercials promising to save you money in a short amount of time by switching insurance carriers, how do you know who is telling you the honest truth about your coverage? Advertisers are trying to sell you on price, when the conversation should really be about the value of your insurance, and what will protect you for your money.

Terri Mlotek, VP-Personal Lines Insurance

Gabrielle Glass, MBA, CLCS, SBCS Personal and Commercial Lines Producer [email protected]

Heil & Heil Insurance Agency 2016©

For more information contact us at 888-827-0930

HeilandHeil.com

Quality of Life


We are the Trusted Choice Independent Agent for the North Shore and Chicagoland. Specializing in:• Home, Auto, Umbrella, Valuables• Boats, Classic Cars• Business Insurance, (Small and Medium Sized)• Rentals and Landlord Insurance• Life and Health Insurance• Group Health and Medicare Our Independent Agents provide you with a comprehensive analysis of your individual needs. Why buy from the “Direct” companies that sell only one type of product? We tailor the insurance to fit your needs, not fit you into theirs.

Welcome to Heil & Heil Insurance Agency Providing Protection Since 1885!

Are You Ready to Par tner with Heil & Heil Insurance Agency For Your

Business and Personal Needs?

Quality of lifestyle can be preserved by managing risk. Let us help you manage yours! Call us today at 888-827-0930HeilandHeil.com


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