December 2021

Editor: Jim Hauck

What's in this Issue

  • We have a holiday party - check it out and RSVP today.
  • Meet the 2022 Executive Committee
  • Read the story about Beatriz Toledo and her healthy living blog
  • Charles Schwab's Brad Perry spotlights how women can improve their retirements

Come Celebrate the Holidays With Us

We are having a little party and you are all invited. See the flyer below and click here to RSVP for the event and get your tickets. 

Introducing our 2022 Executive Committee

by Jim Hauck, Editor

Another year has passed, and as we approach these final weeks, the Heritage Oak Cliff Board has elected a new Executive Committee. There are many familiar faces staying on, a couple saying goodbye and some new faces to welcome. The process of electing our Executive Committee starts by electing a slate of Executive Committee Members at Large, who then fill the role that groups elects them to. This is not your everyday election process. We are still working to fill a few of the Member at Large seats. These seats additional seats provide bench strength and opportunity and in the unforeseen circumstances can quickly be placed into a committee role without waiting for a general election or working without the resource in pace. If being part of the Executive Committee Members at large interests you, please contact Travis-Lee More (

In addition to finding people to join the executive committee, we also made some changes to the structure of the committee to level the workload. This should help us gain pinpoint focus on specific areas and allow our leaders on the committee to shine with their best skills.

President of Heritage Oak Cliff - Travis-Lee More ( Travis will continue his role as President into 2022. His passions are strong and his convictions to make Heritage Oak Cliff an important voice in the Dallas landscape is clear. We are excited to have Travis continue on another year.

Vice President of Heritage Oak Cliff - Juana Veliz we thank her for her service and wish her well in her future endeavors.

Secretary of Heritage Oak Cliff - Susan Alvarez served in this role, but had to resign due to work conflicts. The role was passed around the committee for the remainder of the year. Jim Hauck ( was elected to take the role of Secretary. Jim's skills and enthusiasm should help improve our minute taking and reporting process.

Treasure of Heritage Oak Cliff - Tim Hill ( has been in this role for a couple years. He has helped steward our finances through good and bad times and proudly keeps our books balanced and helps us understand our financial choices. We are thrilled that Tim chose to stay with the committee for another year.

Vice President of Communications - Jim Hauck ( has been serving in this role for the last half of 2021. He has done so much to improve the operations and messaging of the organization. Jim will stay on in the position of Vice President of Communications for another year and has great plans for continued improvements. And yes, you read that right, Jim is double dipping in covering the role of Secretary.

Vice President of Neighborhoods - Susan Lee has complete her time of service and leaves us in a better place than when she found us. Lovingly known as the Queen of the Neighborhoods, her contributions are far felt and she will be missed. The Vice President of Neighborhoods will now be renamed to the Vice President of Grants, giving this role full attention to the grant process and Neighborhood Memberships will be overseen by the Vice President of Membership.

Vice President of Grants - Given the importance of our Grant Program and the level of effort it takes to run the program, we have renamed this role. Cynthia Michaels (, a long time member, and active participant in the Grant process is taking on this role and we know she is going to do a great job.

Vice President of Membership - Austin Miller ( has taken on this role. he is somewhat of a newcomer to the group, but was actively involved in Passport Oak Cliff and has a real passion for helping us grow the organization. He will focus on all things Membership and all levels of membership

Vice President Neighborhood Development - We are happy to have Paul Carden ( continue his role albeit with a slight change in that he will not be responsible for our membership anymore. The coming year(s) are looking like lots of change for Oak Cliff and we are happy to have Paul's voice on our team.

President Emeritus - Christina Rossini will be stepping off the Executive Committee. The President Emeritus or Past President role, serves as an advisor in the year of a new President election. Since we have no Presidential change, this role will not be filled. We thank Christina for all her work and effort she put into Heritage Oak Cliff. She has left a lasting stamp of great things.

While the following roles are not considered Executive Committee Members by default, it is the President's discretion to move them to Executive Committee standing.

Events Chair - Trudy Newton ( will stay on for another year in this role and after the amazing success of Passport Oak Cliff, we are thrilled to see her take that event further and introduce other new ideas to the event portfolio.

Fundraising Chair - Mike Matthews ( will continue in the role of fundraising chair. Mike introduced us to our first North Texas Giving Day this year, and showed us that a straw cowboy hat and sequined jacket does work together at Passport Oak Cliff. We are happy to have Mike stay on with us and continue the traditions he has built.

Congratulations to our new executive committee and thank you to those who are moving on. 2022 is going to be a banner year for Heritage Oak Cliff.

Methodist Dallas Medical Center Moment

By Methodist Dallas Medical Center

Transplant replaces 21-pound liver, 9 times its normal size

Beatriz Toledo was looking to embark on a new chapter of her life when a sudden diagnosis derailed her plans. She had just begun fertility treatments when doctors discovered multiple tumors in her liver.

Although the tumors were benign, they grew and multiplied so rapidly that her liver weighed about 21 pounds — nine times the average weight of a healthy liver — before doctors performed a transplant.

Beatriz had sought help at Methodist Dallas Medical Center because the tumors led to a rare but life-threatening bleeding disorder.

“They staff at Methodist Dallas were not just people taking care of my health,” Beatriz says. “They were kind of like my angels. I will remember them for the rest of my life.”

Click HERE to read Beatriz’s complete story on our healthy living blog, Shine Online.

Four Retirement Challenges Women Face, And How to Overcome Them

by Brad Perry, Charles Schwab

While women face a unique set of circumstances when it comes to retirement planning, being more aware of these challenges is the first step to helping to overcome them. At Charles Schwab we generally highlight four key considerations to help women prepare and be confident in their financial future.  Keep in mind, this information should not be considered personalized investment advice or recommendations. Because each situation varies, it’s important to review for your own particular situation.

Women may have a lengthier retirement. Women tend to outlive men by an average of five years, according to the National Center for Health in 2016. Though a longer retirement means more time to travel the world and spoil grandchildren, it also means many women will have to save more money to last them through their longer lifespans.

Tip: Stocks are an important part of most portfolios, even during retirement. Though you may want to gradually reduce your exposure as you get older, consider maintaining a portion of your savings in stock investments to help counteract the impact of inflation. The ultimate goal is to try to have continued growth overall while not risking the money you need to live on.

Women may have a more expensive retirement. Not only do women have to plan for more years in retirement, but they often have to anticipate higher expenses. Longer life expectancies can translate into increased medical expenses and a higher likelihood of entering a nursing home or assisted living community, or hiring formal home care, which can cost tens of thousands of dollars a year.

Tip: Medicare benefits cover some medical costs during retirement, but consider exploring supplemental insurance.

Women potentially have to save more to make up for earnings loss. On average, women still earn lower salaries than their male counterparts. In 2018, women still earned only 82 cents for every dollar men earned, according to the U.S. Census Bureau. Plus, over the course of their working years, women spend more time out of the workforce to care for their families, according to the AARP Public Policy Institute. To counteract the forces that are weighing on their ability to accumulate savings, women can focus on socking away as much as possible during the years they are working and earning an income.

Tip: Your level of savings is the biggest factor in determining whether you will meet your retirement financial goals, so start early. But in case you procrastinate, there are ways to help catch-up. Try to max out your 401(k) contributions, or at least contribute enough to get the full employer match if there is one. Each year after you turn 50, you can contribute up to $6500 (as of 2020) beyond the usual limit to your 401(k). You may also be able to annually contribute an extra $1,000 (as of 2020) to your Traditional or Roth IRA to help bulk up your savings. Review your expenses periodically to look for ways to save more, and avoid carrying a balance on your credit card to limit costly interest payments.  

Women may receive less in Social Security benefits. Lower salaries and fewer years in the workplace also put women at a disadvantage when it comes to Social Security benefits. In fact, women 65 years and older earned on average about 20% less in Social Security than men in 2017, according to the Social Security Administration. While this may be difficult to accept, women who may become widows due their longer life expectancies should consider how they can maximize their Social Security survivor benefits.

Tip: Consider delaying the start of your Social Security benefits.  If you choose to start cashing in your Social security checks before your normal retirement age, your benefits are reduced. If you wait to some point between your normal retirement age and the age of 70, you’ll receive a higher monthly benefit. Use Social Security Administration’s calculators to determine your breakeven age—the point at which you break even and begin to come out ahead if you delay Social Security. 

Questions? Let’s talk.

Brad Perry is a Vice President Financial Consultant at Charles Schwab with extensive experience helping clients achieve their financial goals. Some content provided here has been compiled from previously published articles authored by various parties at Schwab. 

Information presented is for general informational purposes only and is not intended as personalized investment advice as individual situations vary. Where specific advice is necessary or appropriate, Schwab recommends consultation with a qualified professional.  Investing involves risk including the potential loss of principal.

Thank You Business Members

Please check out the web sites for our business members. We appreciate their support of Heritage Oak Cliff and they appreciate your business. Click on any of the cards below to go to the website for our business members and let them know you found them through Heritage Oak Cliff.

Interested in becoming a Business Member? Click here and sign up there for your Business Membership today!

Heritage Oak Cliff is an all volunteer organization. We are always looking for enthusiastic people who want to help us build community and improve the neighborhoods of Oak Cliff, Dallas, Texas. 

Your current membership information is listed here. If you are not a member or your membership has lapsed, please consider signing up or renewing today.

Name: {Contact_FullName}
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