“After the passing of loved ones, Amy helped my family sell multiple properties at very stressful times. She is always calm, pleasant, respectful and most of all she knows real estate. Amy was there from start to finish, letting me know the most effective ways to get the property ready for sale and how to get the highest offer possible. She is also quick to respond to any questions, and made a daunting task easy and manageable.”
Helen Zeiher
“I have agents worked knows and forwards possible. so you strategy home process piece agent!
MEET Amy Saflar
After two and a half decades of real estate experience, it’s no surprise that Amy Saflar is in the Top 2% of Coldwell Banker agents worldwide. Her undergraduate studies at UC Santa Barbara, coupled with her Masters in Social Work from San Diego State University, allows Amy to focus on each client’s unique circumstances and needs. Herloveofnumbersandabilityto analyze market data and trends, assures that Amy’s clients receive topdollarfortheirsales
Early in Amy’s career, she became a Real Estate Broker. This allowed her to explore property management and become an expert in the 1031 exchange process. Amy put her passion for education to good use, by obtaining her Graduate Realtor Institute Designation, as well as becoming a Seniors Real Estate Specialist. This created an extended skill set that serves clients who have trusts and estates. When clients have lost family members,
Amy’s education supports her client’s emotional turmoil, while still helping them move through the selling process.
A unique element to Amy’s business model is that over 90% of her business comes from referrals or repeat clients. This means that her clients are so pleased with their results, they naturally refer everyone they know and return to use her service again and again. Amy takes the time to make each client feel like they are her only one.
To learn more about Amy Saflar, visit www.Saflar.com.
have worked with several real estate agents in the past 35 years, but I have never worked with anyone as perfect as Amy! She knows the business of real estate backwards forwards and how to get the best deal possible. She explains every step and detail you know exactly what’s happening. Her strategy for getting the best price for my was spot on and she made the entire process enjoyable. I will never buy or sell a of property without having Amy as my agent! She’s the BEST!”
David Milroy
“I had the opportunity to work with Amy in selling my family estate. She knew the market well and applied her extensive expertise in residential real estate to make for a rapid and flawless sale. Unbelievable attention to detail in making this sale attractive to buyers but also, in all of the pre and postsale events. Highly recommended broker who not only has a wealth of experience but can understand seller’s objectives and then without delay, make them happen!”
Howard Kotler
“Amy was truly dedicated and professional as she successfully marketed, negotiated the sale of two of my properties. She patiently answered my many questions and guided me through the complexities and even emotions of selling my home and rental. I truly appreciated never feeling pressured. Her commission was well earned. I would not hesitate to hire Amy again if ever needed.”
Yolaine Stout
DESCANSO
DESERT
LAKE ELSINORE
LAKESIDE
LANDCASTER
LEMON GROVE
LINDA VISTA
LOGAN HEIGHTS
LOS ANGELES
MIRA MESA
MISSION VALLEY
MORENA
MOUNT HELIX
MOUNTAIN CENTER
MURRIETA
NATIONAL CITY
NORMAL HEIGHTS
NORTH PARK
OCEAN BEACH
OCEANSIDE
OTAY MESA
PACIFIC BEACH
PALM SPRINGS
PARADISE HILLS
POINT LOMA
POWAY
RAMONA
RANCHO BERNARDO
RANCHO PEÑASQUITOS
RIVERSIDE
SAN CARLOS
SAN MARCOS
SAN YSIDRO
SANTEE
SCRIPPS RANCH
SPRING VALLEY
UNIVERSITY CITY
VENTURA
WEST COVINA
WHITTIER
ALPINE
2772 FIREBRAND DRIVE
4 BR | 4.5 BA | 4,534 ESF
$1,949,900 - $2,149,900 MLS# PTP2506529
BONITA
1430 COUNTRY VISTAS LANE
5 BR | 4.5 BA | 3,625 ESF
$1,555,000
MLS# PTP2600839
CAMPO
28561 HIGHWAY 94
3 BR | 2 BA | 1,698 ESF
$825,000 - $850,000
MLS# PTP2600751
CARLSBAD
609 SALTGRASS AVENUE
3 BR | 2.5 BA | 1,987 ESF
$2,100,000
MLS# PTP2600814
CARMEL VALLEY
5171 DEL MAR MESA ROAD
8 BR | 7 FULL & 2 HALF BA | 8,186 ESF
$5,995,000 - $6,495,000
MLS# PTP2600896
VISTA
415 CARVALOS DRIVE
4 BR | 3 FULL & 2 HALF BA | 3,787 ESF
$2,369,000
MLS# PTP2600422
CHULA
CHULA VISTA
2831 SHENANDOAH DRIVE
6 BR | 6.5 BA | 6,274 ESF
$2,349,000
MLS# PTP2600228
CHULA VISTA
2023 PLAZA ACAPULCO
5 BR | 5.5 BA | 4,983 ESF
$2,325,000
MLS# PTP2600761
CHULA VISTA
743 TERRA NOVA DRIVE
6 BR | 4 BA | 3,466 ESF
$1,999,900
MLS# PTP2600168
CHULA VISTA
101 LION CIRCLE
5 BR | 4 FULL & 2 HALF BA | 4,966 ESF
$1,899,900 - $1,999,900
MLS# PTP2600711
CHULA VISTA
1519 TABER DRIVE
4 BR | 2.5 BA | 2,585 ESF
$1,425,000
MLS# 260003308
CHULA VISTA
173 PEPPER TREE ROAD
4 BR | 3 BA | 3,035 ESF
$1,300,000
MLS# PTP2600562
CHULA VISTA
976 CALLE PILARES
4 BR | 3.5 BA | 2,815 ESF
$1,198,000
MLS# PTP2600941
CHULA VISTA
902 MONTEREY COURT
3 BR | 2 BA | 1,710 ESF
$989,900
MLS# PTP2601172
CLAIREMONT
4380 ROLFE ROAD
3 BR | 2 BA | 1,658 ESF
$1,285,000
MLS# PTP2509199
CORONADO
1100 CORONADO AVENUE
4 BR | 2.5 BA | 1,875 ESF
$4,995,000
MLS# PTP2600832
DOWNTOWN
1240 INDIA STREET #2306
3 BR | 3 BA | 2,123 ESF
$2,400,000 - $2,600,000
MLS# 2600955
EL CAJON
1115 S MOLLISON AVENUE
4 BR + 1 OPTIONAL | 4.5 BA | 3,900 ESF
$1,650,000
MLS# 250045479
EL CAJON
1780 GROVE ROAD
3 BR | 2 BA | 1,866 ESF
$1,159,000 - $1,259,000 MLS# 260002498
EL CAJON
1707 TERRACE HILL DRIVE
4 BR | 2 BA | 1,857 ESF
$959,000
MLS# PTP2601187
ENCANTO
6150 RADIO DRIVE
3 BR | 3 BA | 1,910 ESF
$929,000
MLS# 260002769
ESCONDIDO
1051 VIA RANCHO PARKWAY
6 BR | 4 BA | 4,251 ESF
$2,150,000
MLS# PTP2600603
ESCONDIDO
1427 BUCKSKIN DRIVE
4 BR + 1 OPTIONAL | 2.5 BA | 3,217 ESF
$2,148,888
MLS# 2601220
ESCONDIDO
161 WILLOW MEADOW PLACE
3 BR | 3 BA | 2,421 ESF
$1,049,000
MLS# NDP2601445
ESCONDIDO
1322 LOMA DE PAZ
3 BR | 2.5 BA | 2,030 ESF
$1,000,000
MLS# 250042330
FALLBROOK
2975 DOS LOMAS
4 BR | 3 BA | 3,040 ESF
$1,250,000
MLS# NDP2509264
HEMET
25186 LAKE STREET
5 BR | 3.5 BA | 2,741 ESF
$789,000
MLS# PTP2506707
JULIAN
3591 DEER LAKE PARK ROAD
5 BR | 4.5 BA | 4,135 ESF
$1,999,000 MLS# 250044374
JULIAN
4651 EAGLE PEAK ROAD
3 BR | 2 BA | 1,795 ESF
$1,299,999
MLS# 250041430
LA JOLLA
5435 PARKVIEW DRIVE
5 BR + 1 OPTIONAL | 6.5 BA | 4,588 ESF
$5,500,000 MLS# 250041315
12212 ROCKSTREAM ROAD LAKESIDE, CA 92040
5 BR | 3.5 BA | 4,581 ESF | $2,150,000
A rare offering of custom farmhouse-modern luxury on over an acre at the base of Eucalyptus Hills in Lakeside. This 4,650 sq ft estate blends architectural charm with elevated design, creating a truly one-of-a-kind living experience. The covered wrap-around front porch provides a welcoming feel to the home. As you walk past the entry you will find the high ceiling great room featuring a stunning stone fireplace and open-concept living. The remodeled chef’s kitchen showcases a large center island, breakfast bar, modern finishes, expansive cabinetry, and a generous pantry—ideal for both everyday living and entertaining. Designed for seamless indoor-outdoor enjoyment, the entertainer’s bar opens through pass-through windows to the backyard, connecting to the outdoor BBQ, warming station, counter seating, fire-pit and resort-style pool area. The
sparkling pool includes an attached spa, waterslide, and a dedicated pool bathroom, creating a private backyard retreat with peaceful views and exceptional privacy. The luxurious primary suite features a spacious sitting area, spa-inspired bathroom with walk-in shower, soaking tub, dual vanities, and generous storage. One bedroom is conveniently located downstairs, along with a private office featuring charming built-in cabinetry. Upstairs, there are two additional bedrooms, plus an oversized bonus room currently serves as a bedroom, offering flexible living options. Additional highlights include a three-car garage with epoxy flooring and builtin cabinetry, plus gated concrete RV and recreational vehicle parking. This extraordinary property offers paid for solar, space, sophistication, and resort-style amenities rarely found in Lakeside.
LA JOLLA
7784 LOOKOUT DRIVE
5 BR | 5.5 BA | 3,597 ESF
$4,985,000
MLS# 250043848
LA MESA
9218 BRIERCREST DRIVE
3 BR | 2 BA | 1,966 ESF
$1,199,000
MLS# 260002840
MIRA MESA
8907 TAURUS PLACE
5 BR | 3 BA | 2,521 ESF
$1,335,000
MLS# 260001693
NORMAL HEIGHTS
5036 LITCHFIELD ROAD
3 BR | 2 BA | 1,908 ESF
$1,750,000
MLS# PTP2508148
OCEAN BEACH
4527 NARRAGANSETT AVENUE
5 BR | 4.5 BA | 3,600 ESF
$4,500,000
MLS# 250043069
OCEAN BEACH
4460 NIAGARA AVENUE
4 BR | 4 BA | 2,806 ESF
$2,795,000
MLS# 260002828
OTAY MESA
5204 TOPSAIL DRIVE
5 BR | 3 BA | 2,541 ESF
$1,150,000
MLS# PTP2601014
OTAY MESA
1614 AREQUIPA STREET
5 BR | 3.5 BA | 2,299 ESF
$925,000
MLS# PTP2600502
OTAY MESA
4205 RENE DRIVE
4 BR | 3 BA | 1,555 ESF
$850,000
MLS# PTP2600362
1024 RANSOM STREET
4 BR | 2 BA | 1,250 ESF
$789,000
MLS# PTP2600793
PACIFIC BEACH
2526 ASTER STREET
4 BR | 2 BA | 1,656 ESF
$2,149,999
MLS# 250045138
28743 LEBANON ROAD
3 BR | 2.5 BA | 2,891 ESF
$1,100,000
MLS# PTP2506014
OTAY MESA
PINE VALLEY
POINT LOMA
885 ROSECRANS STREET
6 BR | 4 FULL & 2 HALF BA | 4,061 ESF
$3,495,000 MLS# 250037348
POINT LOMA
2318 PLUM STREET
4 BR | 4.5 BA | 2,626 ESF
$2,595,000 MLS# 260003525
RAMONA
17043 HARVEST POINT WAY
4 BR | 2 BA | 2,455 ESF
$1,024,900 MLS# PTP2600676
RANCHO BERNARDO
18027 COTORRO ROAD
3 BR | 2 BA | 1,703 ESF
$1,349,000
MLS# PTP2600450
RANCHO SANTA FE
14786 RANCHO SANTA FE FARMS ROAD
5 BR | 5 FULL & 2 HALF BA | 7,938 ESF
$5,150,000 - $5,725,000
MLS# 250034047
SAN MARCOS
762 HILLSBORO WAY
5 BR | 4 BA | 3,522 ESF
$1,299,000
MLS# NDP2510310
SPRING VALLEY
9309 HILLSIDE DRIVE
6 BR | 5 BA | 4,413 ESF
$1,470,000
MLS# PTP2507621
SPRING VALLEY
8838 INNSDALE AVENUE
4 BR | 2 BA | 1,440 ESF
$849,000
MLS# PTP2600731
SPRING VALLEY
2608 NANZA STREET
3 BR | 2.5 BA | 1,741 ESF
$840,000
MLS# PTP2508966
UNIVERSITY CITY
2731 SCHENLEY TERRACE
6 BR | 4 BA | 4,347 ESF
$2,500,000
MLS# PTP2601099
VALLEY CENTER
14440 RIDGE RANCH ROAD
4 BR + 1 OPTIONAL | 5.5 BA | 5,839 ESF
$2,985,000
MLS# 2600546
VALLEY CENTER
27960 MOOSA CREEK WAY
5 BR | 3.5 BA | 3,043 ESF
$997,000 - $1,100,000
MLS# PTP2600958
VISTA
1935 CRESTHAVEN DRIVE
4 BR | 3 BA | 2,373 ESF
$1,242,000 MLS# 250046345
209 JOURNEYS END
4 BR | 2.5 BA | 2,202 ESF
$1,000,000
MLS# PTP2600730
Resiliency Is the New Definition of Luxury
IN
a volatile world, affluent buyers are no longer chasing the dream of the trendiest locations or the fastest appreciation. Instead, they are rewarding the places and properties that hold their value over time.
Resiliency, in today’s luxury context, means the ability of a local market and a property to preserve value through volatility, maintain liquidity across cycles, and continue attracting qualified demand even as broader economic dynamics shift. It means you’re seeing conditions like stability in pricing, consistency in buyer interest, and durability in long-term performance.
Five trends help explain why resiliency rose to the top of our analysis this year.
Luxury sales and prices are outperforming the broader market
Despite higher borrowing costs, geopolitical risk, and economic uncertainty, the luxury segment has remained remarkably stable.
In 2025, U.S. luxury home sales grew 2.9% — nearly double the pace of the traditional housing market at 1.7%, per NAR. Prices haven’t dropped dramatically either, and in fact, have risen approximately 3% year-over-year for singlefamily homes and 4% for attached properties. As I noted in the report’s foreword, “The luxury real estate market has not mirrored the broader housing market, where affordability pressures and higher borrowing costs have kept activity constrained.”
What’s most remarkable about this new chapter for luxury real estate—from our point of view— is that it is not behaving the way it has in past downturns. Market fundamentals remain strong, and we expect that stability to carry forward through the coming year.
Real estate wealth continues to rise even through volatility
Annual transactions gave us an immediate picture of resilience, which is certainly important. But we also examined the market through a longer historical lens with Altrata’s help.
Since 2020, the absolute dollar value invested globally in real estate has risen nearly 30%, even through one of the most volatile macroeconomic periods in recent memory. Total property holdings also reached record highs: VHNW real estate wealth rose from $5.64 trillion in 2020 to $6.55 trillion in 2025, and UHNW assets climbed from $2.61 trillion to $3.04 trillion. In other words, while portfolio shares fluctuate with financial markets, the underlying value of property continues to grow, underscoring real estate’s enduring role in long-term wealth preservation.
As Maeen Shaban, Director of Research and Analytics at Altrata, explained in the report: “For ultra-high-networth individuals and family offices, property ownership provides stability, diversification, and a hedge against inflation. It also offers strategic advantages, whether it’s tax planning, residency, or intergenerational wealth preservation.”
Affluent buyers are adopting a legacy mindset
Perhaps the most important shift underway is psychological.
Luxury real estate is increasingly being viewed less as a speculative asset and more as a cornerstone of identity, stability, and long-term wealth preservation. In other words, high-net-worth buyers are thinking
in decades, not cycles. This “legacy mindset” contributing to a rise in “nest investing” — i.e. favoring assets that protect capital, preserve value, and anchor generational wealth.
Altrata data suggests that high-net-worth consumers are directing a growing share of discretionary dollars toward the home. Home-related expenditures spanning design, furnishings, technology, and domestic help — are projected to rise 4.8% globally and 6.0% annually in the U.S. among individuals with more than $5 million in net worth. Among U.S. UHNW households, spending on home luxuries now exceeds spending on personal goods by 18.5%.
While growth in home-related spending may not yet outpace personal luxury goods, the shift is notable. It could signal a reordering of priorities—away from visible consumption and toward hybrid assets that
is favoring anchor consumers dollars — and globally with UHNW exceeds yet notable. from that
help them build long-term wealth and day-to-day enjoyment. Recounting what Colleen Baum, Senior Partner at McKinsey & Company, told us for the report: “What’s remained durable for this consumer is spending on experiences, particularly travel and dining, which continue to be resilient categories. The second priority is home. Data consistently shows spending on the home as one of the most stable categories.”
Watch this trend gain traction as historic wealth transfer between generations in the coming decade takes root. Per Altrata’s 2024 Family Wealth Transfer Report, roughly 1.2 million individuals with a net worth of $5 million or more were projected to collectively pass down nearly $31 trillion over the next decade. By 2025, Altrata revised that estimate upward to $38.3 trillion expected to change hands globally within the same timeframe.
Watch this trend gain traction as historic wealth transfer between generations in the coming decade takes root. Per Altrata’s 2024 Family Wealth Transfer Report, roughly 1.2 million individuals with a net worth of $5 million or more were projected to collectively pass down nearly $31 trillion over the next decade. By 2025, Altrata revised that estimate upward to $38.3 trillion expected to change hands globally within the same timeframe.
In the U.S., wealth growth and housing investment remain tightly linked
“Even in periods of economic turbulence, real estate continues to serve as a stabilizing force in wealth portfolios,” Shaban told us for The Report. “Price appreciation, strong demand, and growing direct investment by private investors have supported steady nominal growth since 2020.”
Nowhere is that stabilizing role more evident than in the United States.
Since 2020, affluent households with more than $5
million in net worth have seen total wealth rise 58.2% — almost perfectly matched by a 59.9% increase in real estate investment. The parallel growth underscores how closely housing remains tied to wealth creation at the highest levels.
Globally, the picture looks a bit different. While worldwide wealth rose 30.7% over the same period, real estate investment increased only 16.3%, highlighting the uniquely central role housing continues to play in American wealth formation. For U.S. high-net-worth investors, real estate is not simply a lifestyle asset. It remains a primary engine of wealth creation, preservation, and long-term financial stability.
New resilience markets are emerging
Legacy wealth havens like New York and London will never lose their luster. However, affluent buyers are broadening their lens as geographic mobility increases and capital becomes more fluid. As a result, a new class of destinations is exhibiting many of the same resilience traits once limited to the New Yorks and Londons: global recognition, diversified buyer demand, innovation-driven economies, supply-constrained properties, and long ownership cycles that support pricing and limit turnover.
Between 2020 and 2025, we found six U.S. markets — Minneapolis–St. Paul, Greater Atlanta, Dallas–Fort Worth, Nashville, Salt Lake City, and San Diego — that showed consistent strength across price growth, sales activity, and inventory confidence. Five-year median price appreciation spanned from the mid-40% range to more than 90% in these cities, while sales momentum remained positive even as national trends softened. These markets attract highly diversified buyer pools and high concentrations of cash buyers, reducing sensitivity to interest rates and volatility.
Beyond the U.S., the U.S., UAE, Italy, Switzerland, and Saudi Arabia rank among the top destinations for migrating millionaires, according to Henley & Partners. Meanwhile, countries such as the U.K. are experiencing increased wealth outflows.
Evolving priorities suggest that the next generation of wealth haven markets will be evaluated through a much broader, more multidimensional lens.
A New Definition of Luxury
Nearly 80% of surveyed Coldwell Banker Global Luxury Property Specialists now describe their markets as “resilient” — a sign not only of confidence in the underlying strength of their local markets, but of the growing importance their clients place on investing in communities and homes that preserve value, support quality of life, and endure across cycles.
Home Updates When You Sell That Actually Pay You Back
Source: Keeping Current Matters
Planning to sell this spring? While you may be tempted to hold off until the first blooms or the spring showers hit, that’s actually waiting too long to get started by today’s standards.
Buyers have more options than they did a few years ago. So, it’s worth it to tackle
Which Projects Tend to Pay Off?
repairs now and make sure your house is set up to stand out. Because you don’t want to be caught scrambling right before the spring rush. Or, running out of time to do the work your house really needs.
The key is focusing on updates that actually matter. And that’s exactly where return-oninvestment (ROI) data comes in handy.
Every year, Zonda looks at which home improvements deliver the most bang for the buck when you go to sell the home. And the results can be a little surprising. The green in the chart below shows the updates where sellers have the biggest potential to add value based on that research:
While there’s a wide range of projects represented in this data, the cool part is, some of the top winners aren’t big to-do’s. They’re just swapping out doors.
Small Updates, Big Visual Impact
This goes to show little projects can have a big impact. So, you don’t have to spend a fortune. And you don’t need to tackle everything on this list. But in today’s market, doing nothing can work against you.
Now that buyers have more homes to choose from, a lot of them are going to opt for what’s move-in ready.
The best advice? Focus on what your house needs, whether it’s listed here or not – like the repairs you’ve been putting off. A front door or shutters in need of a little TLC. Piles of leaves in the yard. Scuffed up paint where your kids play inside. Those details matter too.
Mallory Slesser, Interior designer and Home Stager, explains it to the National Association of Realtors (NAR) this way:
“If you’re looking for affordable updates that pack a punch, dollar for dollar, I would say painting; changing out light fixtures; changing out hardware; maybe new draperies or window treatments. Those are all cost-effective ways to make a big statement. It really changes the space.”
These seemingly small things help buyers focus on the home itself – not the work they think they’ll have to do after moving in. And that’s paying off for other sellers. Buyers are often willing to spend more on homes that feel well cared for, updated, and move-in ready.
This Chart Is a Starting Point, Not a Strategy
Here’s the important thing to remember. National data like this is a guideline. Buyer preferences are going to vary by location, price point, and even neighborhood. That means a project that boosts value in one area might be unnecessary (or even overkill) in yours.
That’s why the first step should always be to talk with a local real estate professional before you start.
Bottom line
If you’re looking to sell this spring, you still have time to make updates that help your home stand out – without taking on a full renovation. If you’re not sure where to start, let’s talk through what makes sense for your house.
An experienced agent can help you answer questions like:
• Which updates do buyers in your market expect?
• What can you skip without hurting your sale?
• Where will a small investment make the biggest difference?
• Is it better to update, or sell as-is?
That guidance helps you avoid over-improving and underpreparing.Buyers are often willing to spend more on homes that feel well cared for, updated, and move-in ready.
A quick conversation can help you prioritize the updates that’ll pack the biggest punch. What’s one upgrade you’ve been thinking about – and wondering if it’s worth it?
The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Keeping Current Matters, Inc. does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Keeping Current Matters, Inc. will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.
