The I Love CVille Show With Jerry Miller! - Angella Windett & Alexia Fox Joined Alex Urpí & Xavier Urpí On "Today y Mañana!"

Episode Date: September 25, 2025

Angela Windett of Steinlage Insurance Agency and Alexia Fox of Roslyn Farm & Vineyard joined Alex Urpí & Xavier Urpí On “Today y Mañana!” “Today y Mañana” airs the first & third Thursday of the month at 10:15 am on The I Love CVille Network! “Today y Mañana” is presented by Emergent Financial Services, LLC, Charlottesville Opera and Matthias John Realty, with Forward Adelante.

Good morning, everyone. Welcome to Today and Manana. I'm Aitch. This is it Xavier. We're very excited to have you joining us on a little bit of a cloudy morning. Yeah, yeah. We need the rain. We did need the rain. We did need the rain. Of course, I say that as a gardener where I go out there almost every day water. Yeah, probably some of our audiences that, why does he need the rain? Last night it was just pouring and I'm like, I mean, it woke me up.

And, you know, Jen was saying, oh, man, it's really pouring. I said, yeah, I think that's good. I need that. So I don't have to get up early and stop watering again. Exactly. So I'm glad to be on here. It's always a good day for today, manana. Always.

Always. It's a matter of the weather. So if it's kind of rainy today, get into a cozy place, grab your tafeitel Niche, and enjoy some today, that we have in store for everyone. And we have great guests, right? Great guests lined up. We're going to be joined shortly by Angela Windet from Steinlady Insurance Agency, and then later in the show by Alexia Fox from Roslyn Farm and Vineyard.

That's a beautiful name, Rossland Farm, right? It is. I like that Vineyard part, too, especially. Yeah, exactly, exactly. It did remind me a little bit, this is the Roslyn Chapel. Oh, yeah, yeah, yeah. So I was like, the first thing they said it, I'm like, The chat, I'm like, no, and I said, oh, it's the farm.

I said, oh, yeah, and I looked at up. So, and very beautiful, very beautiful. It's funny, it has a similar vibe in the sense that it's a very beautiful, peaceful and peaceful, and a lot of the photo gallery, because it's that old, older fashion vibe. It's like a 1938, I think, farm, and so very beautiful. So we're excited to learn more about it ourselves. Of course, love being here on the I Love Seville Network set. That's, of course, to Emergent Financial Services, our presenter, and our,

our fantastic partners, Matthias Yon Realty, Shortsville Opera, Forward Adelante, always love our great partners here on the show, and Judah behind the camera doing his magic. What more do we need? That's how you are able to watch this show. Exactly, yeah. If Judah wasn't here, we would not be live on air.

So we always appreciate that. So as always, be sure to send us any questions, comments. Xavier, you always tell people to do a couple things. Well, that's right. Don't forget to like and share and then subscribe. And then subscribe. Hit that little button there. Yeah, exactly.

If you could find it. It would be so great one day if we could do that thing that they do on YouTube where Xavier points down and the button appears and you can click it. I know one day, one day we'll get that level of sophistication on the show. But, yeah, we always read the great questions, comments. So be sure to send them your way and we will read them live on air. You know, already we got some people tuning in. Nidlis Erpy, he may not be on the show, but he is watching the show.

So Nidlis Erpy liked in the show this morning. Elizabeth Erpy liked in the show this morning, Monita Miller. Wow. From Montana. From Montana. Okay. Watching the show this morning. And then Maria Erpy, my little one.

She's watching too? She's looking at Daddy. Yeah, she's like at Daddy. That's right. I'm sure I'll know that guy. If she smiles. She'll be like, wait, that's Daddy's voice on the show. Well, she couldn't recognize me too now a little, too.

Yeah, I know. It's the guy with a big noise. in the glasses. That's got to be Belethyl. But she smiles more. Of course. Don't doubt about it. But, yeah, so I mean, if Michael was here, we commented how great UVA football is doing. So I'll just throw that

out there for our fans. That's pretty amazing. I have to admit. Starting three and one is always nice. This will be tomorrow. Big day. Tomorrow's going to be a big game. Yeah. Tomorrow we find out is that when we only beat lousy teams? That's okay. Listen, better. There was a couple of years we couldn't beat them either. I have been there

in person when we've lost a Lousy teams. It's good to beat Lousy teams for a change. Good start. Yeah, exactly. That's always a good start. And so I had to throw that in there just as an in honor of Michael whenever he's on with me. We always start to show it that way. But I don't know about you.

I'm ready to jump right in. Of course, Angela says she's jumping up and down. So I mean, we... Let's do it. That's good. So without further ado, we're excited to welcome to the show this morning. Angela Wendette from Steinlaji Insurance Agency. Angela, thanks so much for being back.

Thank you. The morning, guys. How are you doing? It's fantastic. Good. I feel a little lost today, like my right hand. You know, Margo's not here. Your right hand's in the sky. Yeah, she's up in the sky.

Going to Austin, Texas to the XYPM live event that a lot of financial advisors go to this time of year. Right, right, right. And we're very fortunate that they are letting us utilize their platform, and she is talking about Medicare to financial advisors this weekend. So, yeah, we're very excited. That's fantastic. So important. It is. It is.

You know, that's the biggest thing. and at Steinlegged we're about is education. You know, we want to make sure people understand Medicare or health insurance in general. You know, for folks that are, you know, on Medicare, there's changes that happen every year. You need to be aware of those changes. So, and we'll touch base about that some today. But, you know, when you go on Medicare, it's something you've never experienced before. And you need to understand it because it's what you're going to be on for the rest of your life. So it's very important to, you know, find someone like us to to guide you to know do you take Medicare at 65 or not

depending on your circumstances and if you do we guide you with how to enroll get you enrolled into your Medicare plans we do a free review during the Medicare annual enrollment period which is coming up October 15th to December 7th so lots of education and making sure you're reviewing your plans every year so important that is true yeah that's I mean that's the one thing so as we you know we do financial plans for for clients that's one of the things we always talk about is like you know, make sure that, you know, you look at your Medicare and, you know, if you need some help, you know,

we always tell them there are people out there that can help you. So, and it's important because most people just, you know, they don't think about it. And then they have questions sometimes. It's like, you know, should I do this? Should I do that? And it's like, you know, we're not the experts, you know, there are people that, and, you know, answer is one of them. Well, it's going to be daunting sometimes. I would say a good number of people that, when we're doing the financial plans, retirement planning, they're like, well, Medicare is free, right? Yeah. And they get a little nervous when, when, when you're, you're a little nervous. you're like, well, not exactly, yes and no, right?

So it's day to be able to say, hey, but don't worry. It's not as though you're like, oh, no, I have to, now I have to choose between all these supplemental things. What do I do? It's not free anymore. Can I afford it and say, well, talk to someone. Absolutely, 100%. I mean, you guys are very instrumental to letting your clients know

if they can afford Medicare or not. And for those folks that don't know is when you go on Medicare, Social Security goes back two years on your household income, if you're single or if you're married, to determine do you pay the standard amount for Medicare premiums? Are you having what they call Irma? And people, if you don't know what that is, that stands for income-related monthly adjusted amount, a surcharge that can be added to your Medicare premiums. So people need to understand it's not just what's going on currently in your life that determines your Medicare premiums. It's what is happening two years ago. And depending on the

circumstances, for example, if I was working in 23, but I'm not now in 25, you know, and my income was higher in 23, you know, we help our clients with what they call an Irma appeal. So these are just other things that we do for our level of services for our clients at Steinleggie, for sure. I'm glad you said that because that's one of the questions we always get, right? And it's really funny because, you know, I tell that to people. It's like they look back for two years and they said, is it the average two years? I said, no, two years, right? Well, you're learning two years ago. Is that correct? Right. Yeah. And that's what people think. It's 20, you know, if I'm on Medicare this year in 25, you're looking at my income from

23 and 24. No. I am only, Social Security is only looking at your income from 2023. And the threshold for a married couple is $212,000. And the threshold for a single individual is 106. So if your income was above those thresholds in 2023, sorry, Medicare's going to cost more. Which the irony is like for, I would say for a lot of people, especially if you're single and you retired two years ago, this is a good chance. You were probably somewhere after a long career, you may well have been to that 106 level. That's not an insanely high threshold. No, and it isn't. And when you do an Irma appeal, if you do have high income, unfortunately, you're sending your appeal into Social Security. It takes about 90 days for them to make a determination. And if they do make a

determination, they will give you a credit for the extra Medicare premiums that you have paid. So you don't just pay the lower amounts right away. You have to pay those higher amounts right away. And if you are given an appeal, then they'll reduce your premiums. and then credit you for the extra that you've paid that calendar year by reducing your Medicare premiums. Remember, we're dealing with the federal government. They're not giving your money back to you. Yeah, exactly. And so give me an idea to like what would be Irma appeal? I mean, grant that you said I was working, but I mean, everybody's working and then eventually retires and then gets, you know, essentially gets there. Yeah, that's the most common appeal that we

do for folks is a work stoppage or a reduction. Unfortunately, uh, debt, divorces. Those are some other factors. You guys also know capital gains and investment income cannot be appealed. So that, you know, that's the other thing. I mean, you guys are trying to make money for your clients, which is great. But if they don't want to have higher Medicare premiums, then that's the conversation they have with you guys to say, hey, you know, let's talk about how much I really want to make here. Can we do some tax loss harvesting? Absolutely. And, you know, I'm not a tax advisor, nor am I a financial advisor, you know, I know a little bit, but that's your lane. Just like, this is my lane.

If you didn't understand it, you wouldn't assume or talk about it either. Exactly, exactly. Yeah, exactly. So that's so key to know, but that's one of those things that if you're, think about it, most people, when you're going from Medicare for the first time, you have no expertise in Medicare. I mean, why would you? No, and that's why we tell people, when you're becoming eligible for Medicare, start the

process 12 to 18 months ahead of time. So then, like I said, depending on your scenario, are you taking Medicare at 65? Are you delaying it? Because the process is different when you apply for Medicare at 65 or if you've delayed it later. The process is totally different. And, you know, people may have large employer coverage, 20 or more employees where they can delay Medicare, and maybe they delay it because they have a spouse to still insure or they have dependents, and they're just going to keep working a little bit longer.

You know, or depending on their employer size, if it's less than 20, they have to take Medicare. And then that's when we can say, hey, are we going to have Medicare's primary and your employer insurance as secondary, or are we going to do Medicare and Medicare plans? So we are able to do this side-by-side comparison to do what's best for the client. That's fantastic. That's great to know. That's great to know, you know, because there are times where, you know, people are planning about what, you know, when they want to retire. And the issue some people, without any doubt, are working beyond 65, right? And then they come to that situation where it's like, okay, I'm going to get, you know, Medicare,

you know, when should I get it? Should I get it this year, next year? And knowing that, being able to look at that is probably a great idea because like maybe it's great to get it a little earlier than later or vice versa, right? Absolutely. And not only do we compare the employer insurance to Medicare plans, if there's a retirement plan that is offered to somebody when they're leaving an employer, we, We're here in Charlottesville, get a lot of UVA employees.

We can compare these retirement plans to what's on the private insurance side to see which option is the best for their needs. Retirement people need to understand, though, if you do not take your retirement plan, you can't go back. So that's why it's really important to have looked at these options and not just assume, oh, my retirement plan is the best option for me to take when I retire. Yeah. Now, is it ever too late to take Medicare? In other words, what if you stay on your retirement plan, but then later on you say, I want to switch. Can you switch? You can. You would, it's, it's, you can. It just depends on which carriers will accept you, obviously. You know, you may have some medical underwriting. You have to go through. We may have to get documentation that shows that you have had coverage. You know, those kinds of factors determine, you know, if you come off of that. But if you come off that retirement plan, again, you can't go back. Go back. Yeah. You're done. Yeah, absolutely. Now, you mentioned, obviously, you know, one of the key things that you worked with people on is, you know, what has changed? Absolutely. last year. And I would imagine maybe with just, I mean, we've had, there's been a lot of new bills

and things like that. Are there any major changes that people should be thinking of or anything significant that people should be aware of? Yeah. I mean, the biggest thing is review your coverage if you're on Medicare or if you're on an under 65, like the marketplace plan. Make sure you're reviewing

those because there are changes. One big thing coming up next week the federal government has until the 30th to decide is there going to be subsidy for the under 65 or not. We're hearing rumblings that there's a good chance that there's not. So that means premiums are going to go up and then, you know, are people going to be able to afford their health insurance or not? That's going to be key. On the Medicare side, we have the inflation reduction bill

this year that allowed medications to be capped at $2,000. That bill was renewed and the cap next year is $2,100. So just going up an extra $100. The Part D deductible currently is $590. It's up to 6.15. We don't know about what Medicare Part B is going to cost and what the deductible is. We just hear the rumbling, so I don't want to speak on something that's not imprint yet, but that's big. And then, you know, doing these reviews, Medicare enrollment, the annual enrollment period is October 15th to December 7th. We're two weeks away. You know how a tax person is really busy in April? That's our tax season. It really is. I mean, we, we, at Signallegu, we are licensed in all 50 states. So we are jamming the whole time. Plus, we are also appointed with

most of the carriers as long as the state will allow a broker to sell it. We're selling it. You know, there's a few states that they won't let you sell if you're not living there so that we get that. But that's very unusual. But yeah, during the annual enrollment period, this is your time to check your Part D drug plans. Review these things. I can't tell you people that we talk to. I'm happy with my plan. I'm like, have you gotten your renewal in the mail yet? Well, no, but I'm happy with my plan. I said premiums change and formularies change. How do you know you're happy? So please don't just think you're going to be happy. Premiums are going up, formularies change, you know, and there may be a better plan that's in, you know, that's a better fit for your

medicines for next year. And even if you come to Steinleggie and have us review it, and I say just stay put, at least someone has put their eyes on your medicines and, you know, seeing what's available and then we either make a recommendation of making a change or we tell folks to stay put. So that's what we do. And not just Part D drug plans, but Medicare Advantage plans too. Those are the two big things that are reviewed during the Medicare annual enrollment period. There is no Medicare annual enrollment period for a Medicare supplement.

If you want to make a change to a supplement, depending on your state, you may have to go through medical underwriting or you may have the anniversary rule or the birthday rule when you can change your Medicare supplement and dental and vision you can get that any time during the year you don't have to it doesn't have to be done during this period no it does not okay okay okay that's good to know it's good to know so basically though anybody that is is on Medicare they literally have to wait till this time to call you right because they call you in June they probably don't have a renewal notice Yeah, absolutely. I mean, the Medicare plans roll out October 1. That's when they roll out. You can go on Medicare.gov and see what's available to you and your zip code. We cannot start officially selling it to October 15. So that's when we can start putting applications, submitting applications for our clients. Okay. Okay. So that's why you're busy at that time, because it's not like anybody can call you in June and say, you know, review this and tell me what to do in October.

Right. And the thing is, if you don't make a change and maybe you should. should have, you are stuck. And that happened this year with that inflation reduction act. Formularies changed drastically on Part D drug plans. So people were happy, they didn't make a change, then they're calling us and saying, why is my medicine so much more expensive? Because maybe it was a tier three last year, it's a tier four. Tier four is going to cost more. So you've got to check it. Just check it to have peace of mind that you know you're on the right plans.

Exactly, yeah. Because I think that's the teach. Sometimes people assume, okay if I don't change anything nothing will change. I mean maybe the premium will change it but nothing else will change under my feet and that's not the case I mean there all that fine print they show you when you sign up that that can

change and you just sit there and think well nothing's changed and well that's not that's not the case right absolutely and then even also if you do have an expensive medicine and this is going to continue for 26 as well if you have one medication that's $600 or more you can go on a repayment plan where this, for example, if you have one medicine, it's over $600

and you're going to hit that $2,000 cap this year, they can divide that $2,000, say, into 12 months if you found out in January, and that's the amount that you can pay back to your Part D carrier for your medication. So they will also have this repayment plan for next year as well. Yeah, you don't have to pay the full price each month. Yeah, if you can't afford it. Right. If you can't afford it, you can be put on a repayment plan. Oh, that's good to know. That's much easier than saying, oh, no, I have to come up with all this money until I hit the cap. Right.

Because it helps you kind of plan it out, know your budget, and go forward from there. So what does it typically remind people how, what it looks like, okay, they give you guys at all. They did Steinlight all. What does that kind of process look like if they say, yeah, I want to review something, or maybe this is my first time talking to you guys. I did this by myself last year and now I could use some help. Yeah, absolutely. If you're not a client of ours, give us a call.

We have a team of schedulers that will take your information, set up an appointment. Then there's an intake form that we have our clients fill out. You know, doctors, medicines, that kind of information is so important. So I know how to drive the conversation when I speak to that individual. Here, since we're in Charlottesville, we can do phone, Zoom, or we can do in person. Most of our call, we usually do phone calls or Zoom for the most part with our clientele. but yeah you fill out that form I do my homework before you have your call

and then I'm ready to drive the conversation if we do an overview or if it's a first time I'm talking to someone about what we're going to do to help that individual get on Medicare yeah what do they need what are their goals what are their needs absolutely and we're here to hold their hand the whole way if someone does need that hand holding we're here to do that for them you know and it's okay

that's why we have a team in Missouri that's our home offices with our schedulers. I have a great team in Charlottesville. Hi, Shelby and Josiah, if you're listening. But I do. I have a great team behind me here in Charlottesville that they are here to help the clients after I've talked to them. And if we've submitted applications, they're able to talk to my team

and help them with any questions that they have. That's fabulous. That is fantastic. Now, I think you mentioned, is it just Medicare or what if somebody's like, you know, under 65, still looking for health care? Can they also call? So we have the under 65 open enrollment coming up as well. That's November 1 to December 15th, usually.

Now we've had some of these states come off of the marketplace and create their own state exchange. Virginia is one of those. We have until December 31st. But if your state is still on the marketplace, you only have until December 15th. In Virginia, we have until December 31st, and then we actually have the month of January, too.

So if you still enroll in January, it's for, February, but that's where they're cutting it off in Virginia. But we help those folks under 65 that maybe do not have health insurance available through their employer. We can help them if they're not, don't have coverage. We can get them enrolled. If they have coverage, we can review it and make changes at that time. And so do you compare, I'm sorry.

No, no. Do you compare, you know, what the state has versus what the, so in others, if Virginia has their own, does that mean that you no longer go to the open marketplace, the federal? Right, yeah. I mean, it's still the same thing. Basically, it's just, we're called the Virginia State Exchange. Oh, okay, okay, so same thing only just. Yeah, many states have come off of, off of that. So, yeah, but they're basically, it's the same thing. Okay, okay. And Virginia's a keyword, if I'm correct, it's always great to review that because they will automatically renew you sometimes if you don't do anything. Absolutely, that's what they've done this year. If you didn't go back in there and make any, like, changes, they're going to auto-renew you this year for 26 with no substance.

which it may not be there so it may be accurate but if you're getting quite a bit of subsidy you might get a shock if you haven't gone in there and done anything and again probably same thing if something in your plan

has changed and you just say well and you don't do anything about it you don't have been renewed in the same plan even if okay well what if the formulary changed on that or what if you know the premium has changed on that

there's not a Virginia marketplace going to say well you know you could have done better by switching here so we'll switch it you they're going to be like no we're going to leave you the exact same plan as last well the biggest thing here and this is through the united states etna has dropped out so etna is not going to be a carrier here we have it here in charlottesville that's carriers going away nationwide so if you have etna right now you don't have someone telling you this is what they're signing you up for you have no coverage for 26 so you need to be talking to me so that it can

help you change your plan um the other thing is here in in charlottesville we have HMOs Doctors can leave networks. So that's another reason why you want to review that plan. Doesn't mean your doctor is still going to be in your network next year. So lots of different factors here, why you should review your plans. Go ahead. No, no, no, you go. No, no, you first.

No, I keep interrupting. No, you first. You have better questions than me. Not necessarily, no. How about small businesses? Do you work with small businesses at all? We can. Yes.

We have a team that we can refer those out. Yes, we can definitely do that. I would assume small businesses sometimes are in the same boat. I mean, you know, if you run a small business, you know, your job is to grow your business, and all of a sudden you have this health care thing on the side. It's like, oh, what do I do with this? So it's great to have that ability. Yeah. And so, and if you're a sole proprietor, you're allowed, you can get a small,

you can get group and small business, small group insurance for health insurance. Okay. Yeah. You sure have. Yeah, that's, that's tea to know. Yeah. That's tea to know as well. And is the process similar as far as someone working with you guys under 65, I said, okay, here's my stuff, here's my renewal of insurance.

any time to walk them through the process and look at what maybe some other options are? Oh, 100%. I mean, the biggest thing is, if I haven't helped you and you're on something, I don't know what you have. So people will just assume that I know. I can't find that out because I'm not the broker of record. So that's also key to know what you have so that I can help you know know if you need to make a change or not. That's so important. I mean, looking at somebody's ID card doesn't sometimes tell me what plan you're on. So you need to know what you're on. so I can help you make any changes. And I just also know why you may have picked it in the first.

In other words, if you're on this plan because while this doctor was in the network, it covered this, I needed to cover this, I needed to cover that. Probably best to have that information for you so that you can be like, well, just so you know, it no longer covers. Absolutely, 100%. And I think this is a good segue about people that get these calls this time of year by random carriers. So many. The phone is so important.

Nowadays, there is so much scam out there. Folks need to be careful who they are talking to. Our guidance is don't pick up a phone unless you know who it is. That's our number one guidance. I mean, folks that pick up the phone, they're like, hi, is this Angel in debt? All I have to do nowadays is say yes. They're tape recording me saying yes, and they can disenroll you from your plans and put you into something else.

So you have to be absolutely careful with what's going on. I mean, you want to trust everybody. You want to see the good in everybody, but talking to someone local probably that where you live at, you know, that someone that's trusted like Steinleggie, you know that we have your best interest. And that's perfect because that's exactly, you know, we tell clients that even about the financial side, right? And we always tell them never answer the phone saying your name, just say it can help you or, you know, who's speaking, whatever, so that you can see who's on the other side because that's exactly what they want. You know, they want you to say your name and they want you to say something you say the word.

and before you know, you've been enrolled in something or taken off something, and that's where the problems begin. 100%. And the other thing is Medicare number. No one should be asking for your Medicare number over the phone. That should be a big red flag if someone is asking what your Medicare number is, just like your Social Security number. Don't give that stuff out over the phone.

You know, we're trying to, you know, help our clients be more savvy and giving these tools and resources, so we're helping them make the best decisions for their needs. The bottom line is if you have anything to do with Medicare or, you know, health care, just call Angela. Yep, exactly, yeah. And that's it. I mean, you don't have to worry about it then. Exactly. Right?

I mean, it's a truth. And it's always just, whenever you're the one making the call, you know who's on the line. Exactly. You know what they're doing. And then if they need some information from you, where you're like, okay, I called you, so of course you're going to need this information from me. You would never call me asking for this information. That's right. You just hang up and then call Angela back.

Did you just call me and say you needed to know? Okay, that's what I thought. Exactly. So that's always a key thing to keep in mind. But man, this has been, I always learned so much. It's a whirlwind, though. And it's a whirlwind of great information. Absolutely.

I mean, I can't tell you how many things I, even being in the financial industry myself, you know, you forget sometimes about how exactly does the Irma work? Yeah. Right? What, you know, what are the changes? There may be people out there. I mean, I remember, I was surprised the first. time I got the notice from the Virginia state. It's changed. I'm like, so it's not the federal

one anymore? You know, I mean, what does it mean? They're automatically going to renew this, right? And then, you know, sometimes if you know, if you switch insurance, but don't tell Virginia, they might just renew you, and then you're sitting there with two health insurance, which you probably don't want it to be doing, right? So you just need, it's always good to just have someone like Angela there and, and time I need to really, to say, hey, just help, we walk through the process. Absolutely. 100%.

Here's what it looks like. And just remember, all of our services are absolutely free. So why not have an angel in your life to help you with this process and give you guidance? I was going to say that's the perfect answer, right? Because in reality, that's true. It's like, this is free. Just go and find out. It's going to help you, right?

And this way, you have somebody that has the knowledge that Angela has and our team has and will help you through a whole process. I mean, what more do you want? Wow. Exactly. Because it's a, believe me, it's a pain in the neck. I've done it. So it's like every single year I go through all this and I might call it myself,

you do it. You want to do it this year for me? But speeding of that, though, if people are like, yeah, I really need to give Angela a call, what's the best way to get in touch? I mean, is it phone, website? How should people reach out? Anything. I mean, phone, our local office number is 434-602-9200.

it, then you can reach us at Steinleggie Insurance Agency.com. That's where you can view some of our webinars. Say you want to be part of our, I think next week we have our annual enrollment update webinar. You can go on there and you can register and see other webinars that we've put on. Yeah, so calling and going on the website are probably the best two options of how to get in touch with us. Perfect.

And weren't they rated like number one on something? Yes, because I know what we announced, that you last time you guys had won the Daily Progress Readers, I think it's the Reader's Choice It was, it was two years in a row, we've been the agency, number one agency in Charlottesville and not to brag on myself, but I was also the number one agent

two years in a row as well. Congratulations, yeah. Well, I can see why I mean, absolutely. Thank you. Between the charisma and the knowledge. Exactly, exactly. And so yeah, so definitely Steinlady Insurance Agency. I'm going to spell Stein Lady, just in case any winner. S-T-E-I-N-E-E-I-A. L-A-G-E is how you spell Steinlady. And then is it Steinlady InsuranceAgency.com?

It sure is. Perfect. There you know. Super easy. Yeah, please, you know, I'm telling you, Cole Angela. Just call her. Don't worry about the website. Just call her.

But, Angela, it's been a pleasure. Thank you, guys. Thank you. Thank you. Always fun to have you. Awesome. Thank you again for having me today. Oh, it's been fun.

Thank you. Appreciate it. And from one great desk to another. Absolutely. We're going to go ahead and rotate here. And we're going to rotate from Angela to Alexia Fox from Roslin Farm but as we do that just always always a pleasure

to have it certainly is and it's like I said it's a wealth of information and you know that we have clients that you know are always in that situation and we say yeah listen you you've got a call you know as to what they do or not who knows but it's important I mean there's a good chance that if you

are not working for a large corporation yeah and then you're working for a very small business or for yourself it's a good chance you're either about to be on Medicare or you're on one of the exchanges and you're under 65 over the enrollment and that's where you need the help because you're navigating

it by yourself. It's not like your employers like here's your coverage, congratulations, you're done. There's a lot that you have to deal with and that probably speaks to a lot of people that are in the workforce today. I mean first of all it's free right and second role they're doing all the legwork I mean granted you first have to give them the information so the first year yes there's some information to give up but then after that

they already know. So it's great, you know. Yeah, so be sure to check it out. Yeah. Sure to check it out. And then, as I mentioned, from one very just to another, we're excited. So welcome to the show this morning, Alexia Fox from Rosalind Farm and Vineyard. Alexia, thanks so much for coming on this morning. Thank you for having me. It's great to have you on. So, I mean, maybe for those who haven't met you yet,

you can start us, tell us a little bit about yourself and also how Roslyn Farm got started and what it is. Yeah, well, so I'm Alexia, and my family owns Rosin Farm and Vineyard, and I'm not really sure how it came to be what it is today, but it's been a wonderful experience. We've built a lot of it kind of around our family interests, and then as I started to have children, we started to do horseback riding lessons and summer camp and all of the things that I was doing with them started to happen. and be open to the public and yeah so that's awesome so you grew up there actually i grew up next door next door yes i grew up next door so we always were like looking at roslin farm i was dreaming about speaking into the white barn that was there and having horses in it and all of that and then in 2015 we had the opportunity to my family had the opportunity to buy it oh that that must yeah it was really cool do you remember the western bypass yes so that was supposed to cut right

through the farm. Oh, thank goodness that didn't. Thank goodness. Yeah, really. So, yeah, so that was kind of why it stayed like a preserved little open space right there is because it was waiting for the impending Western bypass to happen. So, well, thankfully, thank goodness, yeah. Because it's a beautiful space as you can see just from the website, you know, to have the beautiful photographs and the dowlery there. But maybe tell us a little bit, because I know there's, I guess there's several different amenities that. Yes. Roslyn Farmer Vineyard provides. Maybe we just start with it wherever you want to start, actually.

Yeah, well, the big thing that we are steering into now is weddings. And the thing that is really cool about us is we're about two and a half, three miles from where I'm sitting right now, which is kind of wild. Absolutely. That's so close. Yeah, because it's, I mean, you're driving on hydraulic road and we're right between Albemarle High School and the rock store and all of a sudden there was a farm there. So just being that close to where everything is happening in town. And then we provide lodging. We started out on Airbnb.

So when people are getting married, they're able to stay at the farm. Yes. And a lot of the business model we felt like with the local wedding industry, a lot of it was kind of you've got six hours on site. You're kind of like rushed around. It's a million dollars. So we wanted to be able to have people stay like the whole weekend. Get married there.

Do your rehearsal dinner there. you know like integrate yourself into the farm which really probably I'll bet you the couples that do that they must be like so grateful to so much is kind of out of the way it's not like oh no I need to find a venue I need to find a place to stay yes I need to find a place if my like if my venue doesn't have a getting ready room I need to find somewhere to get ready and then rehearsal dinner is its own

especially in chargeful it's I had a harder time finding a rehearsal dinner venue than I did a wedding venue. Sometimes they're smaller. You can't necessarily find a restaurant that doesn't want a whole bunch of people. So it must be great that they can just have that piece of mind like, oh yeah, the whole thing is kind of. Yeah, it helps.

We do our best to grow and raise as much of the food requirements on site, and now we've got the wine requirements, so it's really kind of a full farm-to-table experience. That's pretty neat. Now, is the food covered by you guys? That is the ultimate goal. Right now, we work with people's caterers.

Okay. oh but that'll be pretty neat when it gets there that'll be fantastic yeah very much especially if they grow some of their produce right yeah we've got a big garden I'm the gardener

so it takes up a lot of a lot of time but it's wonderful that's fantastic are there some neat things I know just looking from the pictures it looks like there there are some kind of interesting unique aspects to it like it looks like there's some like older vehicles

and yeah so have you been there you've got to come by I've not been actually. Yeah, you guys need to stop by. It's really, it's so beautiful. And I know there's a lot of old homes and beautiful estates in Charlottesville already in the county. But this is such a neat old house. It was built in the 30s.

It feels a little bit older than that, I think. You mentioned Rosalind Chapel. I think they pulled some influence from that. But different, there's only one S though in our spying. People keep looking up at two S's. There's some beautiful old gardens, Charles Gillette. was a big landscape architect back in the 30s. I think he did University of Richmond.

He did some stuff at UVA. He did the gardens and the immediate grounds right around the house. So that's all been preserved and it's very pretty. Yeah, you definitely did a historic vibe from it. Which I think a lot of people, I've noticed a lot of people that are going a little bit. They want to say, what if I wanted to do this a little more traditionally? Yeah. Because it's funny now.

I feel like different now is to not do the very large industrial-looking bar and that became in. And now it's like, well, what if I do something? This definitely fits that. Yeah, and we're not huge. And that's okay. I feel like we're perfect for maybe up to 120, 150 at most, but kind of the sweet spot is like around 80 people. It's because the outdoor spaces are very kind of quiet and intimate, like moving through outdoor rooms. And I like that feeling.

Very much so. Very much so. So maybe tell us a little about to the vineyard. How did that kind of come about? Yeah, well, it started. We did our first planting. And really, the goal was to try to utilize, like, every square foot that we could of the property because we're not that big. So being able to provide the wine was a goal.

And we started in 2016. I'm sure people saw vines going up and then kind of going down. Like we did the best that we could when we really, we learned a lot. lot through doing it maybe the wrong way at first. And we got the right people on board. We got a wine consultant. We learned how to do it. And then we have planted every year since. And now we've got some beautiful vines in the ground. And what's top of wine or are you looking at? Right now, there's Shamberson, Bianca, and Petit Verdeau, Merlot, Albarino. Petit Mincing is my favorite. Oh, yep. And then Petit Vertot is like a staple, I think, in

in Virginia, which is otherwise not very forgiving environment. We actually, we are having a wine release tonight. You guys should come. You should stop by. From six to nine, we are, it's not our first wine that we've made, but it's our first dry white. And it's Bianca. It's very, very good.

So from six to nine tonight, we are doing a wine release with a band and oysters. And it's actually named after one of our sons. It's called Billy C. It's the name of the wine. Nice. Nice. And I think you guys, there is a, is there a regular wine tasting as well? Yes. Yes. So we do, we have a wine tasting every Sunday currently. Ultimately, we would like to be open every day of the week if we could be. But we're trying to balance kind of the other things that are happening on a small property. So, you know, having weddings or having lodging and trying to like, how do we make all of that work right out of the house? Exactly. But that's pretty neat. So does especially now take advantage of.

Yeah, take advantage of that. Those Sundays. Yeah, those sunsets. Yeah, we're looking at getting bands for the rest of the year. Oh, nice, very nice, yeah. Yeah, because especially now, probably you're going to start getting some good sunsets. Yeah.

And the weather's a little nicer. Weather's nicer. It's so much nicer. Yeah, it must be, it must be even a challenge, I guess, in the summer, whenever it's like, oh man, it's just so hot. Yes, it is. I would imagine. No, weddings, is it most.

mostly in spring, fall, summer, or is it all year-round? I mean, there's weddings in general follow up peak season. I think most people prefer spring and fall. There's people that are crazy that get married in the summer. I am not a cute, like, summer girl. I can't imagine getting made up and having a wedding in the summer, but we do offer it. And we've got some nice shady spots. So it's pretty good.

They can work with. Yeah, I prefer the fall personally. This is my season. Now is most of the venue for where people would have weddings, is it mostly outdoor? Yes. And then they sleep in the manor house? Yes. Okay.

So that must be a neat experience too. And do you guys have the tent already? Oh, that's, that's always a nice touch. Those tents are not easy to come by. No. When you were trying to... Yeah, and then when it gets really kind of disintegrated and you've got, like, people trying to book the tent from the company, get it on site.

It's just too complicated, I think, so it's better when the venue One less thing to think about, right? I mean, when you're getting married, there's so many things that you're already thinking about, then it's like, I got to call the tent person, and I got to call the cater, and I have to call. You know, you get to the point where it's like, you know, did I miss anybody? You know, the flowers. I forgot about the flower. Absolutely.

Now, out of curiosity, is the lodging, the staying there, is that only for weddings, or is there a second? No, we do lodging in addition to weddings. Yeah, for a long time we were doing just lodging as we were kind of developing the, the venue. So that's been going on for about 10 years. Okay. How many rooms does they have? We've got five bedrooms in the manor house and then we have a four bedroom cottage. Okay. Very nice. Wow. Do you find a lot of people that will come and like, you know, try to spend the weekend or something like that?

Yeah. And there's all sorts of reasons that people come to UVA. Like I thought it would be, or to Charlottesville, I thought it would just be the university or just weddings, but there's people coming all the time. So it's a big industry. Yeah. And think about how perfectly located is that I think a lot of times people are like, okay, I want to be, I don't want to feel like I'm in a city. I want to feel like I'm enjoying kind of that rural landscape and then be like, oh, but I'm actually only like, two miles away. Yeah, I mean, there's coffee.

It's so, I feel very spoiled, to be honest with you, to have lived in this area right there for my whole life. It's like you can go to the store. Like Trader Joe's is a few blocks away. Absolutely. Yeah. Coffee, everything. You're in the middle of the city.

Yeah. But amazingly. But you don't feel like it. Yeah. You really don't. If you looked at, until you told me it was two miles away, I would not have guessed it. Because you looked at the photographs and you're like, no, that's got to be, you know, out, way out there somewhere that there's nothing within. Best of both worlds.

So, yeah, I can imagine a very nice place to just, especially, I don't see if you were not in Charlottesville, but I could also see some people who live in Charlottesville or, you know, maybe someone who everybody would like, yeah, I'd love a weekend getaway, but I don't really want to travel too far. I just want to not think about things for a whole weekend and just go enjoy a beautiful landscape just saying, hey, let me book a weekend there. And, okay, I drive half an hour to get there and now I'm there. But I'm still right in the middle of the yard. Yeah, Uber.

We're very Uber accessible. You can drink wine and then you can be picked up. I love that for the safety component for the wedding. That is very nice. Yeah, don't have to worry about your guests coming off that. Yeah, that's exactly right. Yeah, yeah. I know exactly where it is because I saw those vineyards growing.

Oh, okay. Yeah, I know, yeah. Absolutely. It's a beautiful spot. I kept looking at that. I said, wow. Yeah, and it's kind of got like a berm. Yeah, and there's the vines.

You can't really see it down in there, but yeah, that's us. Okay, okay, that makes perfect sense now. Yeah, yeah. Okay, I think I remember now. Yeah, yeah, yeah. I don't often draw on that over now. As soon as she said, hydraulic, I said, I know it. Yeah, we're sandwiched between hydraulic and Lamb's Road.

Exactly. Mm-hmm. Okay, that makes perfect sense. I'm getting the picture. now. I'm not very bad directionally, but now I'm getting the picture. Yeah, my wife's a beautiful spot, yeah. Of the direction. Yeah, my husband.

But, and then you mentioned equestrian, too. I just, that's something that I just grew out of your doing it now. Well, we had the farm and, you know, it had to be a business, and like I said, we just kind of, I was like, well, what do we do? So I grew up riding horses, all of my sisters did. And so we, it wasn't, it was a farm. but it hadn't been a farm for a really long time because of the highway. So it was a big labor of love to get it revitalized as a property that could have animals

and like we're right by the road. So getting good fencing, getting all of the infrastructure in, and some of that is still kind of an ongoing effort. But once we got that in place, the horses came. We've got cows there, lots of livestock. So then I started teaching horseback riding. And as that evolved, we started to do camps. So we do summer camp.

We call it pony camp. And then we have camp days on the days off from school. So we teach riding and we do camps. And do camp. Yeah. That's very nice. That's very nice. That must be a fun.

Again, it's so accessible, right? I mean, it's all close. Yeah, exactly. It's not like, oh, I've got to take my kid out, you know. About an hour away, exactly. Go to the middle of it. It's like, no, okay, yeah, I can pick them up from school. Maybe there's some schools.

There's a lot of schools, yeah, absolutely. There's a five minute drive. Yeah. Okay, pick up my kid, drive five minutes and they're at camp. Yeah, it's definitely. huge deal, the location. So what is like a day camp look like? Yeah, so

it would be hard to fill every hour, I would say, with like specific horse things. So we do predominantly horse pony camp, but it's a farm too, so we try to integrate all of the farm components, you know, like help feed the animals and then help

be in the garden. There's a lot of that and it's very fun. That's awesome. And my kids have a blast because they get to be there. And then they've got all, they've got all friends that come and hang out with them at their little farm and it's so special that really is nice that's nice what's it like i mean our audience always tends to loves this question what's it like because obviously you guys you purchased the farm and then you're like okay i need to do something business related with it what's it like like being an entrepreneur on that on that kind of entrepreneur

side of yeah um it's crazy it's good but it you know it happens fast it's like okay this is expensive and we have to generate revenue. How can we do that? And then we had the county for a long time just putting up every possible roadblock just right out of the gate. They were like, you can't do that, you can't do that. Oh, but also you can't do that.

And then every time that we would kind of like get through a roadblock, they would create a new regulation. So then anyone coming back through, it's like, oh, well, you've got to do that. Now that next person probably won't be able to do that. Yeah, and it's just escalated for a long time in that.

way. Which is rough. Yeah. Yeah. One of the top challenges for small business is regulations and roadblocks and red tape. Yeah. Yeah. And it's always wildly inconsistent. You know, for us it was like

I don't think there should be a venue or alcohol in that location. And they would try to, because we're a rural area. And they would try to say that, you know, shut down the people way out in the rural area because the roads are bad and we would be like, well, but we're on the, we're on hydraulic road.

We're in the middle of town. Exactly. What's the problem? And it just, it was arbitrary. It just people not want to do it. Like you said, an Uber could come keep up everyone. Yes, it was like as safe as it could possibly be. So it just was inconsistent in their, you know, their decision making.

It felt personal. Yeah, it was so tough. Yeah, but we survived. And we keep surviving. So. Yeah, you pushed through it. And now, yeah, the, and now you get to try to enjoy a little bit. Not that the work ever ends, you know, as an entrepreneur.

It's like Monday through Saturday or Sunday. Do you have help with the farm also? Yes. Okay. Yeah. Because I know that's, that's a daily, you know, labor of love. Yeah, definitely. What would you say is your favorite aspect of running it?

My favorite aspect is that I have built it around my children, so I'm able to be a mom and able to work and have my kids integrated, into what I'm doing as opposed to trying to do work in addition to being with my kids. It's like it's all one part of it, which is a huge deal for me. Which was, yeah, I can imagine. Yeah, in essence, it's like working from home, right? Because you're working at the farm, you know where your kids are. You know, it's not like I'm working somewhere else.

Well, they're seeing the aspects of the business and glory up with it. Okay, yeah, I'm at, so this tamp is what my bomb does. And I didn't see it. And this farm is what we do. And it's totally multi-generational. my mom and then it's my family and then my brother works there and his fiancé, they're getting married at the

farm in October. She is the barn manager and she helps teach horseback riding lessons so it's like you're going to get you're running into my family at every aspect which is really wonderful. We are big fans of family business. Yeah you guys get with Xavier

and I want David my dad and then Nick who booked you is my brother yeah there's a beautiful thing about it. Yeah, when You can make it work. Yeah, it is. It's a blessing when you can make a work. Yeah, it's a blessing.

Yeah, probably pros and cons like anything, but the biggest pro is your family. Exactly. Exactly. Yeah. Exactly. That's right. Well, Alexia, this has been fantastic. Absolutely.

Before we let you go, what's the best pace if people are like, okay, I'd love to either start thinking about a wedding there or look into the lodging or the camp. Where should people go? How should people find it? Yeah, I mean, I post a lot on Instagram. Our handle is just Browzlin Farm with. with 1S. That's a great spot because we've got kind of all of

the highlights and then you can find you can navigate which aspect you're trying to find. Facebook. Then we have Roslyn Farm and Vineyard.com is our main site. Beautiful. Yep. That's the one I have to. Roslin Farm, R-O-S-L-Y-N. So only one S.

Only one S is the T there. And it's great. The website got some great photographs and you can really get a sense of just how nice and peaceful is. funny, the one thing you don't get a sense of, it's like, oh, yes, it's so close to town. Yeah, no, maybe we should just get like a drone photo. Yeah, exactly.

And then it's like, here's the farm, and then here's all of this other stuff. And it looks so nice. No, exactly. Yeah. You just would never guess. That's the beauty of it. Yeah, it's magical. That really is fantastic.

Well, Alexia, thank you so much. Can I keep this? Yeah, please keep it. You can keep all this. Oh, wonderful. Thank you so much. Thank you so much. Don't forget tonight.

There's an event at the farm, six to nine, and then we have a big kind of children's event on Sunday during wine tasting. Oh, beautiful. And is that also six to nine? No, we're just having it happen throughout the duration of tasting, so 12 to 6. Beautiful. Okay. Yeah, tractors, horse, pony rides, all sorts of stuff.

Oh, that sounds like a blast. Yeah, a big family event on Sunday. So you can find out more about that online. Wonderful. Nice. So six to nine tonight and then 12 to six on Sunday. Bring the kids. Bring the kids. Absolutely.

Thanks so much for coming out. thank you for having me thank you that's great well this was a great show yeah I was a surprise I'll tell you I mean it's I mean I didn't get a chance yeah yeah we all yeah it's my first time no no yeah exactly exactly no yeah no worries we're just we're just closing out the show is what we do yeah great I was I was gonna say I mean once she said hydraulic I said I knew exactly where it was and I said yeah that's you know to think about that form back there right and smack in almost in the middle of the city it's incredible what a what a what a perfect sight

But that's beautiful. So, yeah, there's been a great show. Next time when we do, Matias, we'll do some finance. We'll do some finance topic. We'll definitely do some finance topic. I know people are probably wondering about the interest rates, Fed. Yeah, I mean, I just say, you know, it's interesting because, you know, when it happened, you know, the market hardly expected it, right? So after it happened, you know, it was a blank.

But it's still that people are like, what's the Fed doing? I don't care about, well, Xavier can do some Fed speech. Well, some translation of the Fed's. of Fatsby. It's like it's own language. So, Dave, we'll translate it for us next time, along with have Matisseon. Absolutely.

Our monthly meet up with him is going to be coming up next week. So be sure to check that out. I think it's next week. I think it is next week. Yeah, we're a slight off. Yeah, we're off of this, yeah. So it will be next week, I think. And if not, then it'll be in two weeks.

You'll check on Facebook on today and manana, and you'll see when it is. Exactly. It's always great about putting up the reminders up there. So be sure to check that out. Of course, thanks to everyone who tuned in today. Always appreciated. I think we also did have, I think, Lucrezia Morales,

muchizumas. Tuning in from Somereros right here in the downtown mall. Dominique Clodio, thanks for tuning in this morning. Always appreciate everyone who likes and shares and puts a notice on it. And, of course, feel free to send us anyone you think we'd love to feature on the show. We do not charge people to come on the show.

So be sure to send us anyone our way. Thanks, of course, to Judah behind the camera, making us all look good. I Love Seville Network, Merger Financial Services, Matias, the Own Realty, Charlottesville Opera, Forward Adelante. Thank you, Xavier. Oh, thank you. It's been a pleasure, as always. Always a joy. And thank you all for tuning in this morning. We look forward to seeing you next time, but until then, as we like to close it out on the show,

Asta mania. Thank you.