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The Style Issue S T Y LE + B E AU T Y

WHAT' S YOU R CO LO R IN ST YLE

S E P TE M B E R 2 02 6

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LIFESTYLE LETTER

The Style Issue

September 2026 PUBLISHER

Jeff Herr | jeff.herr@citylifestyle.com E D I TO R

Megan Ewing | megan.ewing@citylifestyle.com

Dear Neighbor, Style is such an extraordinary part of life—it’s far more than the clothes we wear or the accessories we choose. Style is woven into every detail of our existence, from the way we decorate our homes to the art and music we enjoy, the books we read, and even how we interact with the world around us. It’s the unique thread that creates the tapestry of who we are. Here at Catalina Foothills Magazine, we love tracking the moves that reshape how Tucson shops, gathers, and lives and few moves this year are bigger than Dara Davis’s. For decades, the legendary designer’s name has been synonymous with Sunset Interiors, her beloved shop at Sunrise and Campbell in the heart of the foothills. Now she’s making a bold leap: relocating to a sprawling, historic warehouse at 2028 E. 14th Street, right in the middle of the Sunshine Mile’s ongoing revival. The new space isn’t just bigger, it’s a statement. Davis is consolidating a massive inventory of furnishings previously scattered across multiple locations around town into one dramatic warehouse and showroom while expanding into custom furniture design and build, weavings, and more, giving clients a level of bespoke craftsmanship her foothills location never had room for. And true to her signature eye, she’s bringing along her celebrated Navajo-inspired bags and luggage, pieces that have become collector favorites in their own right. It’s a fitting home: a design icon anchoring one of Tucson’s most exciting neighborhood revivals, in a space as bold as her vision. And, by the way, she’s dropping the Sunset Interiors brand and simply going with Dara Davis Interiors. Check it out. And next month we’ll explore more deeply the interesting retail environs south of Broadway and East of Campbell.

S O C I AL M E D I A C O O R D I N ATO R

Jessica Bush | jessica.bush@citylifestyle.com CONTRIBUTING WRITERS

Allison Bankston, Pam Reid, Sybil Velarde, Valerie Fanelli

Corporate Team CEO Steven Schowengerdt President Matthew Perry CRO Jamie Pentz CoS Janeane Thompson AD DESIGNER Andrew Sapad LAYOUT DESIGNER Kelsey Ragain QUALITY CONTROL SPECIALIST Megan Cagle

JEFF HERR, PUBLISHER @ C ATA L I N A F O O T H I L L S L I F E S T Y L E

Learn how to start your own publication at citylifestyle.com//franchise. Proverbs 3:5-6 Catalina Foothills Lifestyle™ is published monthly by Lifestyle Publications LLC. It is distributed via the US Postal Service to some of the Catalina Foothills area’s most affluent neighborhoods. Articles and advertisements do not necessarily reflect Lifestyle

Visit our Instagram C I T Y L I F E S T Y L E . C O M / C ATA L I N A F O O T H I L L S

L I F E ST Y LE LE T T E R

Publications’ opinions. No portion of this magazine may be reproduced in any form without written consent. Lifestyle Publications does not assume responsibility for statements made by advertisers or editorial contributors. Information in Catalina Foothills Lifestyle™ is gathered from sources considered to be reliable, but the accuracy of all information cannot be guaranteed.

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inside the issue SE PTE M B E R 2 02 6 | STYL E

Print Prestige Meets Digital Power.

16 10

Featured

Departments

A Distinct Educational Style

Checking in With Leman Academy

Native Jewelry of the Southwest

Beyond Black

Stone, Shell, and Silver: Tracing the Ancient Roots of Design and Materials

Why Color Analysis Is Changing the Way We Get Dressed

On the Cover Discover your true color palette, from hair to eyes to clothing.

Lifestyle Letter

Education Corner EDUCATION

Artist’s Palette STYLE + BEAUTY

Must See STYLE + BEAUTY

Culinary Creations FOOD + BEVERAGE

Financial Buzz FINANCE + LEGAL SERVICES

Happy Hour FOOD + BEVERAGE

Events

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COUNTRY CLUB

A DI S T INC T E DUC AT ION A L S T Y L E AT L E M A N AC A DE M Y A quick conversation with the team at Leman Academy about the distinct educational style at its three Tucson-area campuses. 1. HOW VISIBLE IS DR. KEVIN LEMAN’S PHILOSOPHY IN DAY-TO-DAY INSTRUCTION, AND HOW DO TEACHERS TRANSLATE IT INTO CLASSROOM PRACTICE? Dr. Leman’s vision shapes our schools through a classical education built on the belief that every scholar is capable of growth and meaningful achievement.

Spirited indeed

E D U CAT I O N C O R N ER | ED U CAT IO N

Strong relationships between teachers, scholars, and families are central to both his work and the classical model.

classical learning, high expectations, and teachers who truly know their scholars.

We’ve incorporated classical principles — Socratic seminars, Latin, Logic, and classical novel studies — into our classrooms. Calling students “scholars” is intentional: it reflects the expectation that children engage with challenging

4. HOW MUCH OF CENTRAL TUCSON’S ENROLL-

ideas and take ownership of their learning. Teachers bring this to life by connecting history, literature, art, and music into a unified learning experience. 2. HOW DOES THE CURRICULUM HANDLE SOUTHERN ARIZONA’S HISTORY AND BORDERLANDS CULTURE? Classical education provides a strong foundation while encouraging connections across disciplines and time periods — and that foundation isn’t isolated from the communities where scholars live. In Southern Arizona, that includes Arizona history, Ted DeGrazia’s art, and indigenous cultures of the Southwest. We explore the traditions and perspectives that have shaped our borderland community.

MENT IS DRAWN FROM TUSD, AND WHAT DOES THAT COMPETITION MEAN? Leman Central Tucson serves families from a variety of educational backgrounds — district schools, private schools, homeschool environments, and firsttime enrollees. We don’t view our role as competing with TUSD. Arizona’s public education system is built around family choice, and our goal is simply to provide another tuition-free option for families seeking a classical approach. 5. HOW DOES LEMAN RECRUIT AND RETAIN TEACH-

3. WHAT DROVE THE DECISION TO EXPAND ACROSS THE TUCSON METRO SO QUICKLY?

Dr. Leman lives here, raised his family here, and has called Tucson home most of his life. The school started here because this is his community. As demand grew, additional campuses opened to serve more families. As a tuition-free public charter school, we’re one of many choices available to Arizona families. Each campus serves its own community but delivers the same core experience:

ERS, AND HOW DO SALARIES COMPARE WITH TUSD, MARANA, AND AMPHI? Across all campuses, we cap classrooms at 27 students for grades 1–8; kindergarten runs a 27:2 ratio with an aide for every lead teacher. We recruit educators who want to lead within a classical model and retain them through professional development, CONTINUED >

Dr. Kevin Leman, founder

And where movement is essential S EP TEMB ER 2 0 2 6 | C I TYL I FE STYL E . C OM/CATA L I N AF O OT HI L L S

leadership support, and our annual Leadership Summit. Educators are drawn to the opportunity to build lasting relationships with scholars and families within a culture centered on academic excellence and character. 6. WHAT DOES PARENT PARTNERSHIP LOOK LIKE CONCRETELY — VOLUNTEER EXPECTATIONS, CURRICULUM INPUT, GOVERNANCE ROLES? Parent partnership is one of the defining aspects of the Leman Academy experience. Scholars are most successful when schools and families share expectations and a commitment to growth. Parents don’t direct curriculum or operations, but they are essential partners — volunteering in classrooms, coaching sports, supporting site security through Watch D.O.G.S, and leading PTAs. 7. WHAT STRATEGIES IS LEMAN DEPLOYING AT LOWER-PERFORMING CAMPUSES, AND IS THE CLASSICAL MODEL BEING ADAPTED FOR MORE URBAN STUDENT POPULATIONS? Some third-party ratings reflect 2023–24 data. Since then, Leman Central Tucson has earned an A rating from Arizona’s A–F Accountability System, with strong academic growth results. Each campus serves a unique community; we continuously analyze data, invest in teacher development, and provide targeted supports. Our commitment to classical education remains consistent across all campuses — high expectations and a strong academic foundation shouldn’t depend on a scholar’s ZIP code. 8. HOW CLOSELY DO TUCSON CAMPUSES MIRROR SURROUNDING NEIGHBORHOOD DEMOGRAPHICS, PARTICULARLY FOR ENGLISH LEARNERS, STUDENTS WITH DISABILITIES, AND LOW-INCOME FAMILIES? Leman is a tuition-free public charter school with open enrollment and no entrance requirements. Our campuses serve scholars from diverse cultural and socioeconomic backgrounds, including English learners, scholars receiving special education services, military-connected families, and scholars experiencing housing instability. Through McKinney-Vento and Arizona Purple Star Schools designations, we support the unique needs of every community we serve.

EDU CAT ION COR N E R | ED U CAT ION

The group dynamics are exceptional

9. HOW DOES CHARACTER INSTRUCTION TRANSLATE INTO DISCIPLINE POLICY, AND HOW DO SUSPENSION AND ATTRITION NUMBERS COMPARE WITH NEARBY DISTRICTS? At Leman, discipline is an extension of education, not simply correcting behavior with the ultimate goal of helping scholars grow both their hearts and minds. Our approach emphasizes relational discipline: natural and logical consequences, clear expectations, and accountability, in partnership with families. Regarding suspension rates or attrition compared with surrounding districts, we would want to review current data to ensure any comparison is accurate and provides appropriate context. 10. WHAT ARE LEMAN’S NEXT MOVES IN THE TUCSON MARKET, FROM NEW GRADES AND CAMPUSES, AND HOW IS PRESCHOOL REVENUE KEPT SEPARATE FROM PUBLIC CHARTER DOLLARS? Future decisions about campuses or grade levels will be guided by family demand, our mission, and our ability to maintain quality. Our tuition-based preschool complements the K–8 mission by offering a classical early learning option before kindergarten. As with all public charter schools, public funding and private preschool tuition are managed separately in accordance with applicable financial and regulatory requirements.

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NATIVE Jewelry of the SOUTHWEST Stone, Shell, and Silver: Tracing the Ancient Roots of Design and Materials

Zuni and Navajo bracelets

ARTICLE BY JEFF HERR

It seems the more we learn about native artisans the less we know. It is such a vast artistic endeavor from pre-colonial creations to today that it seems beyond the scope of our understanding. But let’s take a journey from the beginning of these art forms and witness history unfold as we travel from there to present day. Phase One: The Ancient Trade Networks (Pre-1400s) Long before European contact, the Hohokam of the Gila, Salt, and Santa Cruz river systems were already master jewelers. Working turquoise from nearby Bisbee and Kingman deposits with nothing but stone tools, they ground, drilled, and strung beads so fine that some could pass through a window screen. Their signature achievement was etched shell, a technique unique in the ancient world, applied to Pacific and Gulf of California shells hauled inland along extensive trade routes. To the north, Ancestral Puebloan communities at Chaco Canyon accumulated thousands of turquoise pieces, some traded as far as what today is Central America and the Yucatan. By the 1400s, this exchange network stretched hundreds of miles in a dozen destinations, moving turquoise, shell, and finished ornaments across cultural lines. Phase Two: Contact and Continuity (1500s–1700s) Spanish arrival in the 16th century didn’t interrupt these traditions so much as layer onto them. Turquoise remained sacred and was pressed into kiva beams for protection, offered at the sipapu as a symbol of emergence from the underworld. Pueblo, Zuni, and Navajo artisans continued working stone, shell, bone, and wood, developing the heishe beads, a Santo Domingo term for thin, hand-rolled discs of shell or turquoise into an art form

A RT IST ’S PA LE T T E | STYLE + BE AU T Y

Heishe beads stack up the beauty

Turquoise remained sacred for generations

A Zuni bird fetish necklace

A badger fetish created by a Zuni artisan

and a currency of trade in its own right. Metal remained largely absent from Southwestern work during this period, even as Spanish colonists introduced silversmithing techniques that would not take root among Native artisans for another two centuries. Phase Three: The Silver Revolution (1850s–1900) The turning point came at mid-century, when Navajo smiths began learning silverwork from Mexican plateros. The craft spread quickly: by 1880, the first turquoise stones were being set into silver, with Navajo smiths initially using the stone sparingly, as an accent CONTINUED > S EP TEMB ER 2 0 2 6 | C I TYL I FE STYL E . C OM/CATA L I N AF O OT HI L L S

to bold, hand-hammered silver forms including squash blossom necklaces, concha belts, bow guards. The Zuni, working from a different aesthetic tradition rooted in lapidary precision, moved toward intricate stone-to-stone inlay and needlepoint clusters. The Hopi came to silverwork last and by a different path entirely. Sikyatki potter-turned-smith Sikyatata is credited as the first Hopi silversmith, in 1898, but geographic isolation and limited silver supply kept most Hopi artisans working shell and stone well into the 20th century. Phase Four: Divergence and Distinction (1900–1950s) Coral entered the palette around 1900, and each tribe’s style sharpened into something recognizable at a glance. The Hopi eventually developed overlay work with one layer of silver cut and soldered over an oxidized base as their own signature, distinct from Navajo repoussé and Zuni mosaic inlay. Trading posts and a growing tourist economy created new markets, and new pressures, as Native jewelers balanced ceremonial meaning against commercial demand. Phase Five: Recognition and Renewal (1960s–Present) The mid-to-late 20th century brought individual artists with their unique designs (rather than broader tribal styles alone) into gallery and museum recognition, from Zuni fetish carvers to contemporary Navajo and Hopi smiths blending traditional technique with modern design. Today, in Tucson and across southern Arizona, that lineage is visible everywhere: at the Heard Museum, in Fourth Avenue galleries, at the annual gem and mineral shows that draw collectors worldwide. The materials, turquoise, shell, silver, remain the same ones the Hohokam first shaped by hand more than two thousand years ago. What’s changed is the hand doing the shaping, generation after generation, tribe after tribe, an unbroken thread from Cerrillos and Kingman turquoise mines to the display cases of the present day.

A RT IST ’S PA LE T T E | STYLE + BE AU T Y

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BEYOND BL ACK

Why Color Analysis Is Changing the Way We Get Dressed ARTICLE BY MEGAN EWING

M UST SE E | STYL E + BEAU T Y

Scroll through social media, and chances are you’ll come across a color analysis transformation. A client sits beneath natural light while colorful drapes are placed one by one beneath their face. One shade makes their complexion appear dull, another brightens their eyes, smooths their skin, and suddenly the difference is impossible to ignore.

The right colors can make the complexion appear brighter and more even, while the wrong ones may emphasize shadows or create a tired appearance. What looks like another viral fashion trend is rooted in something much deeper, according to Southern Arizona color analyst Abby Welker, owner of House of Colour Gila Valley. Rather than chasing seasonal styles or expensive labels, Welker says color analysis is about understanding the unique combination of undertones, contrast, and personal style that helps someone look—and often feel—their best. “It’s total science,” Welker said. “It’s not bogus.” Unlike online quizzes or apps that attempt to guess someone’s season from a photo, professional color analysis relies on natural daylight and a series of carefully selected fabric drapes. As different shades are placed beneath a client’s face, the skin responds in noticeable ways. The right colors can make the complexion appear brighter and more even, while

the wrong ones may emphasize shadows or create a tired appearance. The goal isn’t to determine whether someone simply looks good in blue or green. Instead, Welker identifies whether a person has warm or cool undertones before narrowing their palette based on the amount of contrast their natural features require. From there, every season has its own collection of colors—from reds and blues to yellows, neutrals, and even whites. “Everybody has a power red,” she said. “Everybody has a yellow. Everybody has a blue.” That personalized approach is one reason color analysis has exploded in popularity. Rather than encouraging people to wear whatever is trending, it gives them a framework for choosing colors that naturally complement their features.

CONTINUED >

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Welker believes that’s where the fashion industry often gets it wrong. “We don’t follow trends,” she said. “Give yourself permission to stop dressing like your friends.” Instead of building wardrobes around what’s popular each season, she encourages clients to build them around their own lives. Someone who works from home doesn’t need a closet full of business attire, just as someone who rarely exercises doesn’t need drawers packed with athletic wear simply because it’s fashionable. “If it was full price, would you still buy it?” she asks clients considering another sale rack purchase. That mindset often results in fewer impulse buys, less closet clutter, and a wardrobe where nearly every piece works together. It’s also why Welker challenges many of fashion’s long-standing “rules.” Don’t wear white after Labor Day? She calls it a myth. Everyone should own a black blazer? Not necessarily. Even black—often considered fashion’s most universally flattering color— isn’t the best choice for everyone. Instead, she offers what has become her personal philosophy: “Tools, not rules.” The right tools help people understand proportions, silhouettes, colors, and fabrics that suit their individual features instead of following one-size-fits-all advice. The conversation extends beyond appearance and into psychology. Welker points to the concept of “enclothed cognition,” a term used by researchers to describe how clothing can influence the way people think and behave. While she says clothing won’t change who someone is, she believes dressing intentionally can help people approach the day with greater confidence and purpose. “How do you want to feel today?” she asks clients. “Do you want to feel powerful? Do you want to feel cozy? Find something in your closet that helps direct that mindset.”

M UST SE E | STYL E + BEAU T Y

“We don’t follow trends. Give yourself permission to stop dressing like your friends.”

That idea resonates with many people because clothing often communicates before we say a single word. Whether walking into a job interview, meeting clients, or attending a social event, what we wear contributes to the first impression we make—and the confidence we bring into the room. For Welker, however, the greatest transformation isn’t someone discovering a flattering shade of blue or finally embracing the right red lipstick. It’s watching clients stop trying to disappear. Many people, she says, fill their closets with safe neutrals because they don’t want to stand

out. But after discovering colors that truly suit them, something shifts. They stop dressing to blend into the background and start dressing in a way that feels authentic. “You’re not here to hide,” Welker said. “You’re here to be unique and to be remembered.” In a world driven by fast fashion, endless trends, and overflowing closets, perhaps that’s the real appeal of color analysis. It’s less about buying more clothes and more about buying the right ones—pieces that reflect who you are, fit the life you actually live, and help you step into every room feeling a little more like yourself.

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S EP TEMB ER 2 0 2 6 | C I TYL I FE STYL E . C OM/CATA L I N AF O OT HI L L S

SM A L L BI T E S , BIG F L AVOR Easy Appetizers That Make Entertaining Effortless

Whether you’re welcoming neighbors for happy hour, hosting an elegant dinner party, or gathering family for a celebration, appetizers are often where the best conversations begin. Beautifully presented small bites encourage guests to mingle, sample a variety of flavors, and settle in before the main event—or become the event themselves. Today’s entertaining is less about formal, multicourse meals and more about creating an inviting atmosphere where people can relax, connect, and enjoy good food together. A thoughtfully

arranged appetizer spread offers something for everyone, from warm, savory favorites to fresh, colorful bites that are as visually appealing as they are delicious. Better yet, many appetizers can be prepared ahead of time, allowing hosts to spend less time in the kitchen and more time making memories with their guests. Whether you’re planning an intimate wine night, a backyard celebration, or a festive holiday gathering, these easy, crowd-pleasing recipes are sure to impress from the very first bite.

ARTICLE BY SYBIL VELARDE

C ULIN A RY C R E AT ION S | F OOD + BE VE RAGE

H O N E Y- G L A Z E D BACON -WR APPE D C O C K TA I L S A U S A G E S

SONORAN STUFFED MUSHROOMS

A classic party favorite made even better with a sweet honey finish.

Creamy chorizo filling transforms simple mushrooms into an unforgettable appetizer.

makes 30 bites

makes 42 stuffed mushrooms

Ingredients:

• 15 slices smoked streaky bacon • 30 cocktail sausages • 2 Tablespoons honey

Directions:

Preheat the oven to 400°F. Cut each slice of bacon in half crosswise, then wrap each cocktail sausage with a piece of bacon and place seam-side down on a baking sheet. Bake for about 25 minutes, or until the sausages are cooked through and the bacon is crisp. Drizzle the honey evenly over the sausages and return the pan to the oven for an additional 5 minutes. Allow them to cool slightly before serving, as the honey will be very hot. Pro Tip: Line the baking sheet with nonstick foil for effortless cleanup.

• 42 cremini or white button mushrooms (2 to 3 inches in diameter) • 2 Tablespoons fresh bread crumbs • 2 Tablespoons chopped fresh flat-leaf parsley • 1 teaspoon minced fresh sage • 1 garlic clove, finely chopped • 3 ounces Mexican chorizo • 3 Tablespoons crème fraîche or sour cream, plus more if needed • ½ teaspoon salt • ¼ teaspoon freshly ground black pepper • 2 Tablespoons dry white wine or vermouth • 2 Tablespoons grated Parmigiano-Reggiano cheese, plus more for garnish

Directions:

Preheat the oven to 400°F and lightly grease a baking dish large enough to hold the mushrooms in a single layer. Remove the stems from the mushrooms, finely chop them, and combine them with the bread crumbs, parsley, sage, garlic, chorizo, crème fraîche, salt, and pepper until well blended. Steam the mushroom caps for about 3 minutes, just until tender, then allow them to cool slightly. Fill each mushroom cap with a generous spoonful of the chorizo mixture and arrange them in the prepared baking dish. Drizzle the wine around the mushrooms, sprinkle each with Parmesan cheese, and bake uncovered for about 30 minutes, or until the tops are golden brown. Let the mushrooms cool for about 5 minutes, garnish with additional Parmesan, and serve warm or at room temperature. Make Ahead: The mushroom caps and filling can be prepared separately up to 24 hours in advance. Assemble and bake just before serving. > CONTINUED

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CR ANBE RRY BRIE & SALAMI CROSTINI

WA R M S PI N AC H & ARTICHOKE DIP

Sweet, savory, and effortlessly elegant, these colorful crostini are perfect for holiday entertaining or cocktail parties.

Rich, creamy, and always one of the first dishes to disappear from the appetizer table.

makes 18-24 crostini

makes 8-10 servings

Ingredients:

Directions:

• • • • • • •

1 French baguette Olive oil, for brushing 1 wheel Brie cheese, rind removed Thinly sliced salami Cranberry sauce Fresh mint leaves Toothpicks

Preheat the oven to 400°F. Slice the baguette into 1/3-inch rounds, brush each slice lightly with olive oil, and arrange them on a baking sheet. Bake for about 10 minutes, or until lightly golden and crisp. Spread a layer of cranberry sauce over each toasted slice, then top with a strip of Brie, a folded slice of salami, and a small mint leaf. Secure each crostini with a toothpick before serving. Homemade Cranberry Sauce (Optional): Combine 12 ounces fresh cranberries, 2/3 cup granulated sugar, 1/3 cup brown sugar, 2/3 cup orange juice, and 1/3 cup water in a saucepan. Bring to a gentle boil, then reduce the heat and simmer for 10–15 minutes, stirring occasionally until the berries burst and the sauce thickens. Cool completely before refrigerating for at least 2 hours before using.

C ULIN A RY C R E AT ION S | F OOD + BE VE RAGE

• • • • • • •

1 (14-ounce) can artichoke hearts, drained and chopped ½ cup sour cream ½ cup mayonnaise 8 ounces cream cheese, softened 1 cup freshly grated Parmesan cheese, divided 1 garlic clove, minced ½ cup frozen chopped spinach, thawed and squeezed dry

Preheat the oven to 350°F and lightly grease an 8-inch baking dish or similar-sized casserole dish. In a large mixing bowl, combine the sour cream, mayonnaise, softened cream cheese, chopped artichokes, spinach, garlic, and ¾ cup of the Parmesan cheese until smooth and well blended. Spread the mixture evenly into the prepared baking dish, then sprinkle the remaining ¼ cup Parmesan over the top. Bake for about 20 minutes, or until the dip is hot, bubbly, and lightly golden. Serve immediately with toasted baguette slices, crackers, pita chips, or fresh vegetables.

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Old Hacienda Development L.L.C. is a full service design and construction firm, located in Tucson, Arizona. Established by owner Jim Kranis, with 35+ years of experience, specializing in combining unique Old World architectural style with modern conveniences. From start to finish we provide a personalized homebuilding experience which highlights attention to detail, commitment to quality, and customer service. ROC 180537

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Smart Money Moves Year-End Financial Strategies for High-Net-Worth Households As the calendar winds down, higher-net-worth earners have a narrow but powerful window to make financial decisions that compound over years. Planning during the last quarter of the year rewards households that look ahead to identify trends and opportunities in the coming year to boost earnings. Here’s where to focus your attention before December 31. “Your home is one of your most powerful financial instruments — and most households aren’t using it to its full potential.” For homeowners who have built substantial equity, and in Southern Arizona, many have, A Home Equity Line of Credit (HELOC) can be a sophisticated planning tool for putting that equity to work. A HELOC gives you flexible access to funds at typically lower rates than personal loans or credit cards, making it well-suited for strategic moves: funding a business opportunity, financing a renovation that adds lasting value, bridging a liquidity gap, or consolidating higher-interest debt before year-end. Unlike a lump-sum loan, a HELOC lets you draw only what you need and pay interest only on what you use. For households managing complex cash flow, that flexibility matters. If you haven’t reviewed your home equity position recently, now is a good time to do it. “A year-end financial review isn’t about what you earned — it’s about what you keep.” Retirement accounts are worth a close look before December closes. Contribution limits for IRAs and employer-sponsored plans reset on January 1, and maximizing your contributions before that deadline

ARTICLE BY VALERIE FANELLI PHOTOGRAPHY PROVIDED

F IN A N CIA L BU Z Z | FI NANCE + LE GAL SE RVICE S

is one of the most straightforward tax-advantaged moves available. If you’re over 50, catch-up contributions expand your options further. Check your asset allocation while you’re at it. Market performance throughout the year may have shifted your portfolio further from your target than you realize. For households with taxable investment accounts, tax-loss harvesting, selling underperforming assets to offset capital gains, works best when executed before December 31. If you haven’t had that conversation with your financial advisor yet, the next few weeks are the time. “For households with significant assets, estate planning isn’t a one-time task — it’s an annual discipline.” Year-end is a natural checkpoint for your estate plan. Family circumstances change. Federal tax law saw sweeping changes in 2025, affecting deductions, credits, and estate thresholds for high-income households. What applied last year may look different on this year’s return. A business interest that was modest five years ago may now represent a significant portion of your estate. When any of those things shift, last year’s plan may no longer reflect your wishes or your situation. Beneficiary designations are worth particular attention. They govern retirement plans, life insurance, and financial accounts, and they override your will. Outdated information here can produce outcomes that contradict everything else in your estate plan. If it has been more than two years since you reviewed your documents, schedule time with your attorney before the holidays fill the calendar.

Optimizing Your Financial Reserves

If you’re over 50, catch-up contributions expand your options further. Check your asset allocation while you’re at it. “Fraud doesn’t take a holiday — in fact, it peaks at year-end.” The final quarter brings elevated risk for financial fraud. Charity scams surge during the giving season. Phishing schemes impersonating financial institutions spike around year-end account summaries and early tax season prep. Wire transfer fraud targeting real estate transactions remains one of the fastest-growing financial crimes in the country. Verify all wire instructions directly with your institution before transferring funds. Review your credit report. Confirm that multi-factor authentication is active on your financial accounts. Any unsolicited contact requesting financial information, by phone, email, or text, should be treated as suspicious until you can confirm otherwise.

Hughes Federal Credit Union has proudly served Tucson members for over 74 years. Our commitment extends beyond accounts and transactions to your broader financial life. As Hughes continues to grow, we’re expanding our capacity to serve members with more complex financial needs. Our team is ready to help you make the most of this year-end window and carry that momentum into the year ahead. “The households that finish the year stronger are the ones who treat December as a planning month, not just a spending one.” Valerie Fanelli is vice president of marketing at Hughes Federal Credit Union.

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Back row left to right: Louise (Weezie) Greenwood, Mary Littlehorn, Isaiah Fiso, Dr. Carlos Rodriguez, Blaine Jensen, Dr. Michael Christopher, Bill Brennen; Front row left to right: Kelly Davis, Taylor Rock, Kristi Chase, Dr. Anthony Cervantes, Dr. Robyn Glaesser, Dr. Fiona Behr, Lindsay Terry, Erica Switzer

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ARTICLE BY ALLISON BANKSTON | PHOTOGRAPHY PROVIDED

APPLE CIDER

sangria A LATE SUMMER/EARLY FALL TREAT

As the season transitions into fall, it still features the warm, sunny days of summer but nights start to drop into the crisp temperatures. That leaves us in the limbo of wanting cool, refreshing drinks part of the time but also craving the deeper, spice-infused flavors of autumn. This recipe for apple cider sangria is the perfect blending of the seasons, leaving you feeling both refreshed and warmed through the deep flavors and interesting hints of spice. It’s a great drink to add to any dinner party, cocktail gathering, back deck after-hours get-together, or birthday bash. Here’s what you need to make the perfect mid-season cocktail to enhance whatever event you have planned.

H AP PY H OU R | FO O D + BE VE RAGE

INGREDIENTS: • • • • • •

1 bottle, standard size, of pinot grigio 2 1/2 cups fresh apple cider 1 cup club soda 1/2 cup ginger brandy 3 honey crisp apples, chopped 3 pears, chopped

DIRECTIONS: Combine all ingredients together and stir. Refrigerate for an hour or so (or longer) before serving. The drink can be enjoyed immediately, if desired, but the longer you let the ingredients sit and mix, the deeper the flavors will be. Giving it time to develop will make the drink more captivating and interesting.

NOTE: Regular brandy can be used, but ginger brandy gives it an extra kick of flavor.

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SEPTEMBER 2026

events A S E L E C T I O N O F U P C O M I N G LO C A L E V E N T S

SE PT E M BE R 1 ST

Animality: 100 Years of Photographs Center for Creative Photography — 1030 N. Olive Road | 10:00 AM This interdisciplinary exhibition drawn from the Center for Creative Photography collection brings together 100 photographs and objects depicting animals and their relationships to humans. Animality features a wide range of photographic formats, a diverse group of photographers, and all manner of animals, across a century of time. Through Dec. 12. SE PT E M BE R 4 T H

17th Annual Tucson Comic-Con Tucson Convention Center — 260 S. Church Ave. | 2:00 PM Tucson Comic-Con will have everything you could want from celebrity guests, fandoms, cosplay, gaming, collectables, and so much more! Past years have brought comic book, wrestling, and film icons to Tucson’s own backyard. Exhibit Floor Hours: Friday, Sept 4th: 2:00 PM-7:00 PM | Saturday, Sept 5th: 10:00 AM-6:00 PM | Sunday, Sept 6th: 10:00 AM-5:00 PM SE PT E M BE R 4 T H

Sonoran Restaurant Week Various locations Sonoran Restaurant Week is a 10-day celebration of Southern Arizona dining. Enjoy incredible breakfast, brunch, lunch, and dinner menus from a variety of local participating restaurants at special pricing. A real deal for all! Sonoran Restaurant Week highlights Tucson's City of Gastronomy designation. Through Sept. 13th. See website for details: https://tucsonfoodie.com/srw SE PT E M BE R 1 2 T H

Mexican Independence Day Celebration Presidio San Agustín del Tucson Museum — 196 N. Court Ave. | 6:00 PM On Sept. 16, 1821, Mexico won independence from Spain, making Tucson part of the newly founded country. Celebrate Tucson’s Mexican history and heritage with Ballet Folklorico and mariachi performances, along with a representative from the Mexican Consulate delivering the traditional cry for independence, El Grito! SE PT E M BE R 1 7 T H

José González: Against The Dying Of The Light Tour Fox Tucson Theatre — 17 W. Congress St. | 7:30 PM Hailed by Rolling Stone as “someone whose subtle, carefully crafted music delivers rewards to listeners who know how to wait,” González’s stellar career can only be described as a dream. From selling out tours on virtually every continent to headlining prestigious festivals around the world, González is one of the most exciting and in-demand touring artists working today.

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