The Adventure Issue
FINEST SAN DIEGO ADVENTURE GUIDE
FASHION
Tibetan Transplant
HOLY MATCHA Healthy Tea in North Park
VITAMIN A
Stunning Swimwear for the Summer
$3.95 VOLUME 11 ISSUE 8
KINGSTON MODEL RESIDENCE 2
DISTINCTIVE DEL SUR LIVING
ELEGANTLY EXPRESSED.
Experience quintessential Southern California living in the coastal hills of North County. Set among the master planned community of Del Sur and close to acclaimed Poway Unified schools, these estate-style homes live graciously with large indoor/outdoor plans, vaulted ceilings, culinary kitchens, luxurious master suites and beautifully appointed interiors. Phone (949) 751-8951
Online CalAtlanticHomes.com
Seller does not represent/guarantee that the project will be serviced by any particular public school/school district or, once serviced by a particular school/school district, that the same school/school district will service the project for any particular period of time. Eligibility requirements (including geographical) may change over time. You should independently confirm which schools/districts serve the project and learn more information about the school district’s boundary change process prior to executing a purchase contract. Square footage/acreage shown is only an estimate and actual square footage/acreage will differ. Buyer should rely on his or her own evaluation of useable area. Prices, plans and terms are effective on the date of publication and subject to change without notice. Depictions of homes or other features are artist conceptions. Hardscape, landscape and other items shown may be decorator suggestions that are not included in the purchase price and availability may vary. CalAtlantic Group, Inc. California Real Estate License No. 01138346. 1/17
LIVE MUSIC | EXQUISITE DINING | SUNSET VIEWS
INTR
ODUCING
2017 AUGUST LINEUP |
Music from 6pm-8pm*
AUG 5
AUG 19 | 4–6PM
AUG 25
Steph Johnson Quartet
Wheeland Brothers
Voices of Our City Choir
Modern Jazz
Reggae Trio
Gospel, Soul, Jazz, R&B
*Unless otherwise noted.
FOR MORE INFORMATION VISIT
DELMARPLAZA.COM
PRESENTED BY
Visit our website for more inspiration www.TBLandscaping.com
858.335.8151
Imagine the Possibilities
Custom pool and landscape designs by award-winning landscape architect Experienced artisan construction and craftsmanship Cost-saving water solutions for any landscape Unique finish techniques Landscape and tree maintenance
Visit our website for more inspiration www.TBLandscaping.com
858.335.8151
opopopopopopop MARY HEON SELLS FINE HOMES, CONDOS CARLSBAD OCEANFRONT
SO
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FIRST TIME ON THE MARKET
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Sea Slope’s Finest. This brilliant location is a once in a lifetime opportunity. Live the Dream on the beach. Incredible setting steps to Carlsbad Village, private beach access. 3 bedroom and 2 baths. Reserved parking and storage. Full price with multiple offers. Another happy seller! Offered at $1,699,000
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CARMEL VALLEY SPECTACULAR HOME IN VISTA SANTA BARBARA 5 bedroom 4 bath with custom flooring and a gourmet kitchen. Beautifully appointed and brilliantly sunlit. Spacious master suite. Generous secondary bedrooms and a full bed/ bath on the first level. Gated elegance and first time on the market. Offered at $1,350,000
DEL MAR OCEAN VIEW CUSTOM MARY BROUGHT ANOTHER HAPPY BUYER
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Stunning views from every room, custom Mediterranean masterpiece, whitewater ocean views, Crest Canyon privacy, beautifully appointed. Offered at $2,799,000
opopopopo MARY HEON - Top 1% Nationally
Coldwell Banker Residential Brokerage Top Producer & Award Winner Year After Year
2004-2014
popopopopopopop & ESTATES ~ MARY SELLS SAN DIEGO! SO
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RANCHO SANTA FE COVENANT VILLA BELLA VITA Nearly 11,000 sq ft understated elegance, every detail superb, extraordinary craftsmanship, an entertainers dream home. Detached 3 bedroom guest house, horse corrals, barn, aviary, 2 pools, theatre room, game center, orchards. Simply spectacular. Another happy client! Offered at $7,750,000
LA JOLLA OCEAN VIEW
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Out of this world views. Sophisticated elegance, Pool/Spa, beautifully updated. Ocean Breezes & whitewater ocean views, panoramic views to downtown and Coronado. 5 BR, 4 BA. Another happy client! Offered at $1,775,000
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CARMEL VALLEY SHOWPLACE SANTA ROSA BEAUTY Gated Elegance, nearly 4600 sq ft, 5 br 5 ba + detached guest casita, hardwood flooring, custom kitchen, Carmel Valley’s Best Kept Secret. Mary brought another happy buyer! Offered at $1,475,000
opopopop Fine Homes/Condos/Investment Properties Premier Property Expert ~ Relocation Specialist
(619) 888-SOLD (7653)
MARY HEON
CAL BRE #01043449
mheon@coldwellbanker.com www.maryheon.com
DANIELLE SHORT & ASSOCIATES Coldwell Banker Residential Brokerage Top 1% Internationally Consistent Top Agent Coldwell Banker Rancho Santa Fe
Visit www.RanchoSantaFeHomes4Sale.com ning
Stun
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RSF
Stunning single level design, custom built by Rancho Santa Fe Development. Open, free- flowing floorplan at 6200esf, features 4 bedrooms, Alderwood panelled office, temperature controlled wine cellar and spectacular Great Room design with wall to wall- Lift and Slide doors bringing the outside inside. Multiple outdoor covered loggia areas allow you to relax and enjoy the private backyard with gorgeous pool, spa, waterfall and outdoor kitchen area. Set on 1.38 useable acres. Offered at $2,695,000-$2,850,000
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Westside Covenant on 4 acres with ocean view. Beautiful custom home built in 2003 at 6464esf, 4 bedrooms, 6 baths, 3 car gar. Enchanting gardens, 300 lemon trees, approved for horses. Wood details, stone floors, covered outdoor loggia, gorgeous pool and spa. Private and Spectacular. Offered at $4,735,000
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Living the Country Life in Rural Del Mar! Inviting Single level home with 3 bedrooms and 3 bath at 2544esf. Prime detached 1 bedroom guest house at 1200esf. This Zen oasis setting on 1.07 acres features walking paths throughout the gardens, relaxing spa and enormous potential to create your own country getaway. Offered at $2,395,000
Sited in the gated golf course community of The Crosby Estates at Rancho Santa Fe. Single level home at 3605esf, with 3 bedrooms and upstairs loft/bonus/office. Cul-de-sac location offers an oversized yard complete w/pond, bocci ball court, built in BBQ and firepit. Distressed wood floors, custom paint/faux, wood beam vaulted ceilings. Splendid views of the golf course and Santa Fe mountains. Offered at $1,450,000
Your North County Coastal Real Estate Agent
619-708-1500
dshort@coldwellbanker.com
Cal BRE: 01199071
www.DanielleShort.com
Because Your Business Matters
The Coopersmith Law Firm represents individuals and businesses at all stages of litigation, and advises clients on methods to avoid and minimize the risk of litigation. The Firm’s primary focus is business and corporate litigation, including corporate and partnership disputes, executive-level employment, financial fraud, bet-the-company litigation, and fine art law disputes. The Firm also handles select matters of public significance, including planning and development disputes. Representing both plaintiffs and defendants, the Firm provides clear-thinking and intelligent advice to a wide range of clients, and offers the quality of much larger firms at a much lower cost. The Firm is rated “AV-Preeminent” by the Martindale Hubbell International Law Directory and “Superb” by the Avvo.com lawyer directory. In addition, Mr. Coopersmith was selected in 2012, 2013, and 2014 as a “Top Attorney” in the area of Corporate Litigation by the San Diego Daily Transcript. Mr. Coopersmith has been selected as a “Super Lawyer” each year since 2014 in the area of Business Litigation.
PRACTICE AREA SPOTLIGHT CORPORATE AND PARTNERSHIP DISPUTES We handle disputes amongst and between business partners, whether the business is formed as a partnership, a limited liability company, or a corporation. This often involves an internal dispute regarding compensation or a difference of opinion in the direction of the business. Sometimes this involves a dispute between a company or partnership and a competing enterprise, for example regarding trade secret misappropriation. Parties in internal disputes may determine it is best to dissolve, or separate their business interests. Again, there are various ways to accomplish this, and we work with the client to find the best solution to work towards a positive result. Often even heated disputes can be resolved with a guiding hand and a smart, thoughtful analysis of the problem and immediate action to work towards that resolution. These disputes can also turn to litigation, which requires a firm hand and a strategic approach – not the scatter-shot method that many litigators employ. Where litigation is necessary and appropriate, we are trial-tested. We are equally comfortable in federal court, state court, and private arbitration. We are tough, smart, strategic, and costeffective.
2017
for more information Steven T. Coopersmith The Coopersmith Law Firm 555 West Beech Street, Ste. 230 San Diego, CA 92101 TEL 619.238.7360 FAX 619.785.3357 EMAIL stc@stevecoopersmithlaw.com www.stevecoopersmithlaw.com
JOIN US ONLINE Find us at finehomesandliving.com to see even more of what San Diego has to offer, including:
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Bring your home to me—let me showcase it to the world. EDGE is a global portal that includes digital and mobile platforms, reaching more than 500 million unique visitors each month. This powerful system goes beyond standard syndication to provide strategic exposure of properties worldwide. Call today for more information!
Dave Henderson Senior Real Estate Advisor
619.889.5511
Dave.Henderson@engelvoelkers.com davehenderson.evusa.com BRE #00912503
http://www.insightlistings.com/9151-mt-israel-rdescondido-92029/b/jkw0dZrB
9151 Mount Israel Road, Lake Hodges, SW Escondido 92029 2.5 acres with horse facilities, pool, spa, waterfall and covered bbq zone 4 bedrooms, 3 baths, split level and very open. Large yard and gardens Fruit and Nut trees. NO FEES! A/C, Propane, Solar $1,049,000
https://my.matterport.com/show/?m=tb7EPHEm9G7
9852 Mount Israel Road, Lake Hodges, SW Escondido 92029 2.93 acres with 3 Stall Barn and tack room, plus Lighted Arena, Round Pen and 2 pastures. Mature Oak Tree grove, Seasonal Stream, Natural Landscape Single level 4 bedroom, 3 bath home with wood floors, Great Room with built ins, Magazine Quality Kitchen, updated Master bath with new carpeting. $1,200,000
Michael Citrin Pacific Sotheby’s International Realty Marketing & Sales, San Diego County Route 56 to 78, Coast to I-15 BRE # 00936083
858.688.6277 cell/vmail/text MichaelCitrin@EstateManForYou.com
http://www.insightlistings.com/26452-sky-dr-escondido92026/b/324oX8qv
Michael Citrin Pacific Sotheby’s International Realty Marketing & Sales, San Diego County BRE # 00936083
858.688.6277 cell/vmail/text MichaelCitrin@EstateManForYou.com
26452 Sky Drive, North Escondido, 92026 Near Full Mountaintop Estate with Bathing Suit Optional Pool and separate spa with waterfall plus slide. TOTALLY PRIVATE!!! Could easily be gated for more privacy. New windows and doors, new balconies New Spa Like Master Bath, walk in closets, Designer Kitchen with adjacent instant light pantry. Country and City views. Amazing by night with city lights twinkling in the distance with the stars brightly above you. Look over the clouds! Wood floors downstairs, carpeted and tile upstairs. seller will entertain offers between $849,000-$899,000
P U B L IS H E R’S L E T T E R
Men’s and Women’s Classic Clothing with a Modern Edge Summer Sale going on now
E M B R AC E A DV E N T U R E
W
hat does adventure mean to you? Is it a heart-pumping fall from an airplane? A deep-sea
dive to unexplored territory? Or touring the dunes out in the desert? Whatever your definition of “adventure,” August is the perfect month to step outside of your comfort zone and embrace local escapades. With our handy Adventure Guide, we provide you with some of San Diego’s off-the-beaten-track hotspots – whether it be indoor rock climbing walls, La Jolla ziplining or go-kart racing. We have it all in our special August issue. Embracing adventure doesn’t mean we’re neglecting the finer points in life, though. From couture swimwear to outdoor skincare tips, we cover everything you need to bring out your inner explorer. Don’t shy away from the scary – welcome every opportunity that comes your way, and say yes to adventure today. – Heather Winfield
Frank Lyman
Jack Victor
Del Mar Plaza (Top Plaza Level) – 1555 Camino Del Mar, Del Mar CA –
peachesenregalia.com 858.792.7400
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PHOTO CREDIT: GINAMILICIA.COM
visit our flagship store in Del Mar
DEL MAR PLAZA, 1555 CAMINO DEL MAR, SUITE 106
W W W . M A D E I N E A R T H U S . C O M MELBOURNE
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DEL MAR
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LOS ANGELES
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NEW YORK
C O N T E N TS
22 FE ATURES 32
Tibetan Transplant Photoshoot Wild Fashions in San Diego
36 Adventure Guide Heart-Pumping San Diego Activities
D E PA R T M E N TS 20 Calendar FRO N T & CE N T E R
22 Climb to the Crux Hit the Rock at These San Diego Climbing Spots
H O M E & ST YL E
24 Crafting Contemporary Century-Old Design Continues to Define California’s Coastal Architecture
26 Sweet Swimwear Interview with Amahlia Stevens of Vitamin A Swimwear
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H E A LT H & B E AU T Y
30 Fearless Skin Protect Your Skin During Summer Adventures
WINE & DINE
40 Holy Matcha Green Dining in a Health-Conscious Community
A RTS & SO CI E T Y
46 Social Scene ONE MORE THING
50 Extreme Adventure Group
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THE EXPLORER II Built to accompany intrepid explorers, engineered for adventures to extreme frontiers. It doesn’t just tell time. It tells history.
OYSTER PERPETUAL EXPLORER II
rolex
oyster perpetual and explorer are ® trademarks.
CALENDAR
AUGUST 2017
The Avett Brothers
Bike the Bay
AUGUST 10, SAN DIEGO CIVIC CENTER
AUGUST 27, EMBARCADERO MARINA PARK SOUTH
American folk-rock band The Avett Brothers bring their special brand of genre-crossing performance to the San Diego Civic Center this month. The three-time Grammy-nominated band will tour on their ninth studio album True Sadness. sandiegotheaters.org
Shark Snorkeling AUGUST 12, BIRCH AQUARIUM
Swim with the leopard sharks that call the La Jolla coast home. Aquarium naturalists and snorkeling aficionados alike can embark on this excursion each weekend through September. Previous snorkeling experience recommended; all attendees must provide their own gear. aquarium.ucsd.edu
Burgers & Brews Invitational AUGUST 12, DEL MAR RACETRACK
Sample the best burgers and brews in the area at the one and only Burgers and Brews Invitational. Passes include a ticket to the horse races, access to the Del Mar Concert Series featuring Ludacris, ten beer tastings and unlimited samples of San Diego’s best burgers. Proceeds benefit BraveCort Foundation. burgersandbrews.com
San Diego Padres vs. Philadelphia Phillies
Greene Flash Concert Series: Milo Greene L.A.-based indie-pop artist Milo Greene takes the stage at the Tide Pool Plaza at Birch Aquarium this month. Greene is known for an ethereal take on invigorating pop, and the group features four members that all contribute to vocals and songwriting. Opening for Greene will be a local indie-rock band, The Verigolds. Doors open at 5:30 p.m. Ages 21+
Carlsbad Music Festival AUGUST 25–27TH, ST. MICHAEL’S BY THE SEA
Adventurous music meets the beach at the 14th Annual Carlsbad Music Festival. Called one of the area’s most innovative music showcases, the festival incorporates genres from classical to jazz to indie-rock and electronic. carlsbadmusicfestival.org
San Diego Spirits Festival AUGUST 26–27TH, PORT PAVILION BROADWAY PIER
mlb.com/padres
sandiegospiritsfestival.com
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13th Annual LeucadiART Walk AUGUST 27, ENCINITAS CITY HALL
Explore art in a new way at this all-day festival celebrating visual art, live music, a craft beer garden and free
aquarium.ucsd.edu
Bring the whole family to Petco Park and support the Padres as they take on the Phillies at home. Tuesday’s game also celebrates Italian Heritage Night at the ballpark, with a promotional hat included in a special ticket package.
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bikethebay.net
AUGUST 16, BIRCH AQUARIUM
The 9th Annual Spirits Festival takes San Diego by storm this month. One of the major cocktail, culinary and cultural events in the area, the extravaganza will feature its annual spirits competition and a new after party fashion show. It’s been named one of the must-attend festivals in the world.
AUGUST 15, PETCO PARK
Cyclists, mark your calendars. This annual event is the only opportunity to bike across the scenic Coronado Bridge. The non-competitive community event travels 25 miles around the San Diego Bay. A post-ride festival will be held for riders, including food, beer and entertainment.
trolley rides. The event is hosted at various locations throughout Leucadia and Encinitas. leucadia101.com
Festival of Sail AUGUST 31, DOWNTOWN SAN DIEGO
Experience the largest tall ship festival on the west coast this Labor Day. Hosted by the Maritime Museum of San Diego, the festival transforms the North Embarcadero Park into a nautical theme park. Watch the parade of sail boats from the bay at 1:30 p.m., or reserve a spot aboard a ship. sdmaritime.org
Art Rhythm
& Wine Festival
Saturday, October 14, 11am-7pm Sunday, October 15, 11am-6pm
Presented by The Forum Carlsbad and West Coast Artists. • Free Juried Art Show featuring works in oil, acrylics, watercolor, mixed media, clay, photography, blown glass, jewelry and more • Wine Garden • Live Music and DJ Artists can apply at www.westcoastartists.com
Ticketed VIP Charity Event Saturday, October 14, 6pm-9pm
Presented by The Forum Carlsbad and FINE Magazine. • Demonstrations by Fine Artists • Wine Sampling, Cocktails & Gourmet Bites • Live Music and DJ • Silent Auction to benefit US 4 Warriors Tickets available at www.finehomesandliving.com
1923 Calle Barcelona • Carlsbad, CA 92009 760.479.0166 • www.theforumcarlsbad.com
FRONT & CENTER
Climb to the Crux Hit the Rock at These San Diego Spots By Hannah Pierangelo
MESA RIM For those new to climbing, Mesa Rim is a perfect place to start. Featuring San Diego’s largest and tallest indoor rock wall at 30,000 square feet, Mesa Rim provides plenty of options to enhance your climbing skills. At any given time, there are around 250-275 different routes on the wall, allowing for a unique challenge to experienced climbers and beginners alike. Mesa Rim also has several courses available for those new to the sport, including belaying, climbing technique and lead climbing. For more advanced climbers, the gym offers courses that prepare you for more rigorous outdoor climbs as well. While Mesa Rim offers membership, it also has day passes available for $20, plus $6 for gear rental, if needed. Newbies score a real deal with a $30 package that includes the day pass, gear rental and their first belay lesson. Mesa Rim has two locations in Mission Valley and Mira Mesa. GROTTO Grotto’s rock wall features 7,000 square feet of colorfully-painted climbing surface. The gym opened two years ago and caters to the younger, athletic crowd. In addition
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to the artful rock wall, Grotto has a yoga studio, fitness area with free weights and lounge with free wifi. It’s open late all week (‘til midnight!) and offers intro classes for rock climbing and bouldering, which is climbing on a surface low to the ground without ropes (and requires a lot of strength and precision). Day passes are $18. VERTICAL HOLD Another great place to get your indoor climb on is Vertical Hold, formerly called Solid Rock. Vertical Hold features four different areas of activity: top ropes, lead climbing, bouldering and fitness training. While top ropes are more suitable for beginner climbers, advanced climbers can take advantage of the higher difficulty lead climbs and bouldering. Bonus: the route setters at Vertical Hold change climbing paths each week, so you’ll get a new and unique challenge nearly every time you climb. The gym is located conveniently in downtown San Diego for those looking to grab a climb after work. Day passes are $17. HANGTIME If you’ve exhausted the gym scene and you’re ready to try real-life rock climbing, visit Hangtime. This outdoor climbing outfit prides itself on education and safety, and it provides several courses for climbers new to the outdoors to achieve just that. There’s Rock 101, or the basics, but also a class specifically on anchors and rappelling, as well as a self-rescue course, which teaches necessary knowledge for climbing without an instructor. At Hangtime, it’s always time to hang, and they offer full-day climbs at both Mission Trails and Dixon Lake in Escondido for $150.
PHOTO BY MESA RIM
L
et’s face it, the regular gym routine can get old. It’s easy to fall into a workout rut – where’s the excitement, the adventure? Where’s the fresh air and scenery? If you’re looking for a thrilling full-body workout that lets you explore nature, you’re not alone. Rock climbing might be the adventure sport/strength training you need to spice up your fitness. Luckily, there are plenty of options for rock-climbing in San Diego for both beginners and vets.
Saturday, August 19
WHO WILL WIN THE TVG PACIFIC CLASSIC AND QUALIFY FOR THE BREEDERS’ CUP CLASSIC? As part of the Win and You’re In Program, the winner of Del Mar’s richest and most prestigious race, the Pacific Classic, will also advance to the Breeders’ Cup Classic at Del Mar this fall, so don’t miss this historic race! Race attendees will receive a custom Breeders’ Cup beach towel,* presented by Toyota.
JULY 19 - SEPT 4 DelMarRacing.com/Events
*One per person with paid admission while supplies last.
H O M E & ST Y L E
Crafting Contemporary Century-Old Design Continues to Define California’s Coastal Architecture BY HANNAH PIERANGELO
Just as fashion is cyclical, architecture trends today seem to draw upon the success of eras gone by. The modernist movement during the mid-1900s embodied the same appealing elements that contemporary styles adopt today, like clean lines, open space, and natural light. Combined with the ocean views of coastal California, this became the perfect place for budding modernism to thrive.Sean Caddell, local expert in modern and contemporary architecture and agent with Willis Allen Real Estate, describes two beautiful examples in Solana Beach and Cardiff-by-the-Sea.
At first glance, the stark contrast and distinctly contemporary style of this Solana Beach home – whose enormous floor-to-ceiling windows are flooded with warm natural light and exquisite views of both the ocean and the San Dieguito Lagoon – makes it appear like there may not be much history behind this place. Modern aesthetic, is just that: modern. Right? Hardly. Looking closer, it’s easy to see the geometric influence, clean lines and simple industrial elements that inspired a school of thought that’s nearly a century old – the bauhaus. Bauhaus was a school of thought that originated in Germany in 1919 and innovated the use of industrial materials, geometric elements and color in simple, clean architectural and interior designs. Here in California, it’s evolved into the definitive coastal contemporary style and proven itself to be timelessly 24
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elegant almost a hundred years later. “A common misconception about contemporary design is that the spaces are cold,” Caddell says. “They’re not. The simplicity of the style lends itself to personal expression and displays of art.” The neutral walls of this home, and many others in this style, have a museum quality that’s flexible and adaptable to any kind of art. Minimalist and classical art can fit in the same room happily, and traditional pieces with antique, ornate gilded frames add texture and color that may be otherwise lacking. “These houses are much more personal and alive to me,” Caddell says.
Pictured Above: A contemporary home in Solana Beach overlooks the Pacific Ocean and San Dieguito Lagoon.
Pictured Right: This Cardiff-by-the-Sea home incorporates the environment into its design, both inside and out.
“A home should be a collection of things over time that are special and important, not just something that matches the furniture.” Even if the walls were bare of art, they would not be stark and cold – and that’s due to the windows. In bauhaus and modernist style, towering windows and ceilings were used to create an inviting space that soon came to define international style. Those tall windows are designed to draw in natural light, adding the warmth that is sometimes missing from modernism. They also function to bring the outdoors in, making even a contemporary living space feel connected to the scenery. In the innovative and efficient (but beautiful) home in Cardiff, this effect is imperative to the home’s design. From the balcony, a view of the Pacific Ocean stretches into the horizon, adding life and vibrancy to the home, as if it were a living piece of art on the wall. But it serves as more than just a stunning sight. Open the windows and the house is filled with an ocean breeze and sheets of sunlight that help heat and cool the home without electricity. “In a contemporary home, all elements of the Earth are here,” Caddell says. “There’s a multitude of textures – wood, tile, metal, glass, concrete. That’s part of the industrial trend in modernism, but even the water and the light are incorporated because so much of the environment is invited inside.” Glass is everywhere in the Cardiff home, from the glorious windows in every room, to the railings both inside and outside, even to the kitchen backsplash. Space and light are carefully considered here, and it functions not only to immerse oneself in nature, but also to provide an integral connection to every other part of the house. One thing is clear: this trend is here to stay. Actually, it’s more of a staple in home aesthetic by now. Modernism has already proven its longevity in the previous century, and with the addition of smart home technology, energy efficient design and natural elements, it has real staying power for years to come.
BRE # 01192842
858.472.1074 sean@willisallen.com F I N E S D.CO M | FAC E B O O K .C O M / F I N E M AGA Z I N E S
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H O M E & ST Y L E
Sweet Swimwear
Interview with Amahlia Stevens of Vitamin A Swimwear By Tracey Smith
A
mahlia Stevens, founder and designer of Vitamin A Swimwear, has an eye for elegance, beauty and contour. Her swimwear is meticulously etched and created for sheer, figure-flattering perfection. Stevens is an architect who designs a swimsuit with clean lines and precision that is pleasing to the eye and the client. By slipping on one of her designs, you could be an infamous jet setter in Amalfi, Ibiza or St. Tropez strolling with cool nonchalance, flair and confidence. It’s a sublime mindscape worth traveling because A-Listers adorn themselves with her swimwear. The collection is a mix of natural “Californified” beach
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beauty, luxury, chic international appeal with an effortless style that will keep it as a coveted item for most sea mavens. This Laguna Beach native and mother of twin girls shared with
FINE Magazine how her swimwear is her creative existence. Where did you come up with the name Vitamin A? Before I started making bikinis, I had a freelance design consulting firm based in Laguna. I worked for companies big and small, and they all came to me for a revitalization, or a Californiazation… I worked for Levis, Patagonia, Authentic Fitness, and they all had me doing capital brands. I didn’t have a name for the longest time for my design firm; I just called it AS Designs. I [wanted] something clever. I was reading a milk container one
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day, and it [said] Vitamin A & D, and I thought there’s gotta be something there! So I decided to leave it Vitamin A and D for designs, and then I kept it at Vitamin A since that was the name of my design firm. How long has Vitamin A Swimwear been in business? Since 2000. Did you start alone? Yes, I did. There used to be – it’s no longer here – an old-fashioned custom swimwear store in Laguna Beach. I went in there with my Calvin Klein bathing suit, and I had them chop it up and cut it into what I wanted the shapes to be, and eventually the owner introduced me to somebody that could make patterns – because I didn’t know anything about making patterns… I was always a beach girl, and I always went to the beach when I was in college, so I certainly had personal knowledge, but no technical. What sets Vitamin A apart? We’re all about sexy, sun-kissed California beauty. There is an understanding or commitment to a design process, design sensibility and a design aesthetic that really sets Vitamin A apart.
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Do you think being from Laguna Beach has broadened your creativity? Absolutely. I was born and raised here, it’s part of my DNA, and I think that comes through in the designs. My technical background – not being from this industry – also sets Vitamin A apart. I went to school at the Art Center College of Design in Pasadena, and my degree is in Illustration. Anybody [who] knows about that school knows it’s very rigorous, and it’s very much about “form follows function” – really learning the rules before you can break them. Although I never learned the technicalities of fashion in school, I learned the principles of design. What would you say are your keys to success? I think quality is a huge part of it, a commitment to excellence and caring. I hope somehow in the swimsuits and the designs there’s a sense of authenticity because it’s something that I love to do, and everything I believe in comes out in this medium. I care a lot about sustainability, aesthetic and being a certain type of sexy that’s more understated and sensual than overtly in your face. Nudity, not nakedness.
What inspires you when designing a new collection? I am inspired by travel, modern art, architecture and the women who wear what I design. I’m inspired by what’s going on around me – a lot of the time it’s nature or art. Tell us about EcoLux fabric. Who manufacturers this for you? EcoLux is our exclusive, new, superfine matte jersey swim fabric produced locally in California. It uses recycled nylon fiber to conserve resources and LYCRA xtra life fiber to extend the life of each swimsuit far beyond that of traditional spandex products. Do some name-dropping. What celebs have worn Vitamin A swimwear recently? Rihanna very recently. [Also] Maria Menounous, Gwyneth Paltrow, Scarlett Johannson, Jessica Alba and Chanel Iman, the IMG model. Finally, what does a perfect day at the beach entail? To just be able to stay in the water as long as possible. Having the shade, warm water and plenty of coconut water to drink (laughter)!
H E A LT H & B E AU T Y USE TOPICAL ANTIOXIDANTS Antioxidants protect from free radicals, thus reducing inflammation and preventing signs of aging and precancerous DNA breakage. Antioxidants can even reverse sun damage. Catalyst AC-11 by Osmosis Pur Medical ($130) is an all-in-one serum which contains Vitamin C, amino acids, minerals and zinc finger technology to increase the repair of damaged DNA by 33%. It also encourages collagen and elastin production, brightens the complexion, promotes wound healing and improves sun protection.
Fearless Skin
Protect Your Skin During Summer Adventures By Kimberly Ceballos
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f you’re an outdoor enthusiast, your skin needs extra attention due to the beating your outer shell gets. As you play in the sunshine, wind, dirt and water, your skin is pushed to its limits. Here are a few tips to keep your skin healthy, clear and protected while enjoying summer activities.
USE MINERAL-BASED SUNSCREENS AND AVOID CHEMICAL PRODUCTS Always wear SPF 30 sunscreen, but keep it natural. Chemical sunscreens cause irritation to the skin and eyes, and they usually absorb UV radiation, allowing it to pass the surface of the skin. Mineral sunscreens reflect the UV radiation, blocking it from entering the skin. Physical blocks with active ingredients of zinc oxide and/or titanium dioxide protect skin from damaging rays that cause sunburns, wrinkles, uneven skin tones, freckling and skin cancer. In a nutshell, mineral sunscreens are much more effective, gentler and safer for your skin. A light, matte physical block, such as Protect by Osmosis Pur Medical
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($30 for 30ml), is a perfect choice for those who want to avoid oily, pore-clogging sunscreens. Sunscreens in liquid and cream form absorb into the skin quickly, so they must be re-applied every two hours to avoid a sunburn, regardless of the SPF. For a water-resistant (gender neutral) SPF 30 powdered sunscreen, try the Translucent Éminence Organic Sun Defense ($58). This product stands the test of time and stays effective until you wash it off. STAY CLEAR OF HARSH EXFOLIATING TREATMENTS Routine exfoliation allows for better product penetration, and skin glows more from light particles reflecting off of a smoother surface. However, it’s much wiser to opt for gentle enzymes, mild alpha hydroxyl acids that are below 5% or scrubs, such as the Éminence Strawberry and Rhubarb Dermafoliant ($48). Avoid harsh chemical peels and ablative laser treatments that drastically strip your natural SPF protection and cause your skin to become extremely sun-sensitive.
AVOID PRODUCTS WITH FRAGRANCES Pigmentation can also be triggered by ingredients in your skincare products, especially fragrance. Combine perfumed products with sun exposure, and you get a recipe for disaster. The many chemical components in fragrance can cause inflammation and react with UV light, causing photo-sensitivity and resulting in unwanted pigmentation. Oftentimes, you will see women with blotchy pigmentation on their chests and necks. This can be caused by the perfume reacting with light over the years. CLEANSE IMMEDIATELY AFTER OUTDOOR ACTIVITIES After sweating up a storm, you’ll want to cleanse your skin of sweat, dirt, oil and the nasty pollution that builds up on your skin to avoid clogged pores that can lead to breakouts. If you can’t wash right away, use natural facial cleansing wipes such as Dickinson’s Original Witch Hazel Cleansing Cloths ($6). Visit Beautiful-YouSkinCare.com to contact the owner of Beautiful You: Skin and Body Rejuvenation, medical aesthetician and massage therapist Kimberly Ceballos for all of your skincare needs, or call 619-708-7822.
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Adventure Guide BY HANNAH PIERANGELO
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ummer’s end may be right around the corner, but it’s not too late to cram in one last adventure. San Diego is home to a wealth of activities, excursions – and tours that will get your blood rushing. What makes Southern California great is the combination of beaches, mountains and desert regions in one place, so thrill-seekers can have unique, memorable experiences. Grab a pen and cross some things off that bucket list – this summer is shaping up to be the adventure of a lifetime.
TORREY PINES GLIDER PORT
$175-225 2800 Torrey Pines Scenic Dr., La Jolla, CA Ready to jump off a cliff? The folks at Torrey Pines Glider Port are. Running the largest tandem paragliding operation in the world, the Glider Port is the premier place to go for your next flight adventure. Thrill-seekers take to the skies in tandem paragliding flights with certified instructors, as well as lessons in paragliding, hang gliding and powered paragliding. The breathtaking cliffs of Torrey Pines and endless ocean view make gliding here a one-of-a-kind experience – and with around 300 days of perfect flying weather a year, there’s no reason not to fly.
TORREY PINES GLIDER PORT
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SAN DIEGO DUNE TOURS
$185-289
6 W Evan Hewes Highway, Ocotillo, CA Despite the excellent appeal of San Diego’s coastline, it’s not the only place to have fun. The desert offers perhaps a surprising amount of adventure, too. Motorsport enthusiasts can hop on a dirt bike, dune buggy or ATV and race their way over a variety of desert landscapes including sand dunes, dry lake beds, red clay mountains and more. San Diego Dune Tours traverse the vast trails on-site in Ocotillo for individuals, groups and families and offer packages up to four days long. The tours are fully customizable, but by reservation only.
SURFSIDE RANCH
$50-120
2225 Hollister St., San Diego, CA Anyone can go for a walk on the beach, but how about a ride... a horseback ride, that is. Horseback riding is an adventure that offers a special connection with nature and animals that most other activities can’t provide. There’s no hightech gadgets here – only you, your horse and the beautiful scenery you both journey to explore. Ride along the beach at sunset or traverse through the San Diego County Trail System. Surfside Ranch matches a rider with their perfect horse companion for an unforgettable trip.
SAN DIEGO DUNE TOURS
CALIFORNIA DREAMIN’ HOT AIR BALLOON RIDE
CALIFORNIA DREAMIN’ HOT AIR BALLOON RIDE
$148-298
33133 Vista Del Monte Rd., Temecula, CA Adventure isn’t synonymous with adrenaline rush. For those seeking an exciting activity minus the high-speed, a hot air balloon may be the perfect thing. See the sun rise over the mountains in a burst of a color while floating delicately above the Temecula Valley Wine Country, or instead catch the sunset on the ocean with a flight over coastal Del Mar. California Dreamin’ offers shared and individual packages any day of the week.
SURFSIDE RANCH
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FLYGUYS FLYBOARDING
FLYGUYS FLYBOARDING
$120-180
1450 Harbor Island Dr., San Diego, CA The ultimate watersport adventure combines the best of two worlds: sky and sea. Flyboarding is just that sport. Using water propulsion (provided by a jet ski attached with a hose), the flyboard lifts its user high into the air, allowing plenty of room for flips, tricks and any acrobatic feat you can imagine before diving beneath the surface. The FlyGuys team promises a quick training session where guests learn to ride in mere minutes. After that, there’s plenty of time to play.
MIRAMAR SPEED CIRCUIT
$20/RACE
8137 Miralani Dr., San Diego, CA Sitting in San Diego traffic is bad enough, but if you’ve got a need for speed it’s doubly painful to spend the afternoon crawling along the freeway. Take the next exit in Miramar and make your way to the Speed Circuit instead; there, you’ll find the thrill of indoor go-kart racing along an inventive track. The high-performance karts are designed for tight cornering and straightaway speeds up to 40 mph. The track is open to racers 48 inches and taller.
GO JUMP OCEANSIDE
$189-199
480 Airport Rd., Oceanside, CA You’ve never seen an ocean view like this before. Whether crossing off a bucket list item or conquering a lifelong fear, skydiving offers the ultimate rush. Go Jump Oceanside is the only skydiving facility in SoCal to jump near the Pacific Ocean, so you’re getting two breathtaking experiences in one heart-pounding adventure. Go Jump provides tandem jumps as well as solo training and can capture the whole thing on high-quality video for your souvenir.
LA JOLLA ZIP ZOOM ZIPLINE
$99
22000 CA-76, Pauma Valley, CA Tucked at the bottom of the Palomar Mountains on the La Jolla Indian Reservation is one of San Diego’s unbeatable adventures: the longest zipline in southern California. Featuring more than 6,000 feet of course, this zipline trail sends riders soaring over the lush forests of the Pauma Valley and the rippling San Luis River with a killer view of the mountain range. But this is no casual ride – the zipline can reach speeds up to 55 mph! Still, there’s nothing like the wind in your face and the stunning views on the horizon over the course of the zip.
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$180-399
SD EXPEDITIONS 2148 Avenida De La Playa, Ste. E, La Jolla, CA The only way to learn a new culture is through immersion, and exploring the wonders of the sea requires the same process. Nothing can substitute the experience of being surrounded by vibrant sea life like coral reefs, towering kelp forests and schools of native fish. SD Expeditions coordinates eye-opening ocean adventures for both the novice and expert diver, offering guided tours around San Diego as well as SCUBA certification training.
XTREME ADVENTURES
SD EXPEDITIONS
$595-795
2050 Entertainment Circle, Chula Vista, CA Some adrenaline junkies have expensive taste, but don’t let the price tag stop you from ogling that Lamborghini. Your dream car is sitting on a racetrack right here in San Diego, waiting for you to get behind the wheel. XTreme Adventures has four exotic supercars in their collection to drive today, including a Lamborghini Huracan, Ferrari California and Porsche 911. These cars were made for the winding roads of California’s coasts and mountains, and you can take them there! Sign up for an adventure tour and drive it like you own it.
XTREME ADVENTURES
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WINE & DINE
Holy Matcha
Green Dining in a Health-Conscious Community By Lexy Perez
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ove over caffeine-lovers and set your eyes on the new green matcha machine. Having made its debut in North Park only two months ago, Holy Matcha has become a new city favorite and matcha haven. Although the matcha craze has taken over Los Angeles and New York, Holy Matcha marks the first of its kind in San Diego. Explains owner and founder Geraldine Ridaura, “The main reason I wanted to bring matcha to San Diego is because there was a void in the market. Being a graduate from USD, I wanted to apply what I learned from business school to real life. It feels humbling to open the first matcha café in San Diego.” After traveling to Japan, Ridaura devised her dream of pursuing a business venture with matcha as the focal point. “It all stemmed from not being able to drink coffee. My mother drank matcha, and she was the one that introduced me to it,” reflects Ridaura as she explains the early beginnings of her love for matcha. “Traveling to Japan solidified
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my obsession, and I knew from then on I could never drink anything else.” Aside from having a personal connection, Ridaura also accredits her love for matcha to its positive transformations to her health. Through her research, Riadura strongly believes that matcha is a great, if not better, alternative to coffee. “Coffee has its benefits, but matcha is far superior with its health benefits and the effect it has on your body,” explains Ridaura. “Coffee affects the nervous systems – the
reason for the jitters – whereas matcha does not.” Researchers have found that matcha does reap a surplus of health benefits that include lowering cholesterol, increasing energy, reducing stress and inflammation, fighting free radicals and more. Ridaura notes that while she trusted matcha’s health benefits, she instinctively knew that the health-conscious society of San Diego would embrace the Japanese beverage just as much as she envisioned. “I love San Diego. People here are health-conscious now more than ever,” Ridaura explains. “I also knew that the San Diego market wants more elevated concepts that challenge the norm and provide a unique experience, so I am proud to bring something new to San Diego.” Although small, Holy Matcha’s menu features matcha-focused items that accommodate a healthy lifestyle. All of the café’s drinks are dairy-free, giving customers the options of almond or coconut milk. Their menu includes avocado toast, almond toast, vegan yogurt bowls with fruit and matcha chia pudding. Although healthy, the café doesn’t let the fear of diet rules prevent them from offering decadent sweets. The menu also includes customer-favorite vegan matcha donuts and matcha pound cake that can perfectly complement any of the lattes, teas and lemonades offered. “I wanted to keep the menu simple yet impactful, which meant all the flavors needed to be amazing. Every item on the menu I had been making at home for myself prior to opening Holy Matcha. The drinks were all my personal taste, especially the lemonades,” says Ridaura.
2 DAYS
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“I wanted to keep the menu simple yet impactful, which meant all the flavors needed to be amazing.” Healthy and reasonably-priced, it can be surprising to know that the café décor could play a large role in why customers love the North Park residency as much as they do. As soon as customers walk into the shop, they’re faced with millennial-pink, floral decorations and a hipster ambiance that screams Instagram goals. Ridaura explains that the visual concept was devised long before the location opened its doors. After joining forces with interior design firm HOMEWORK, Holy Matcha became the new pink royalty of North Park, something Ridaura knew would stand out among traditional coffee shops and eateries. “Since this was the first matcha cafe in San Diego, I knew from the beginning it had to take a different form than
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the minimalist look that’s found in many of the coffee shops here,” Ridaura says. “I decided to pull inspiration from my travels and up the wow factor with the design to create something unique, elegant and of-the-moment.” The result became something Ridaura is proud of, further adding, “The space [has] cool, chill vibes [and] an elegance that makes it feel like you’re at a modern-day tea parlor.” Holy Matcha’s décor features a custom pink velvet banquette, a quartz book-matched waterfall bar, vintage-inspired seating and floral decorations that make customers feel as if they’re in a Garden of Eden. Although success is never guaranteed, Ridaura states that the reception to her café has been overwhelming, only validating her pursuit of her personal business venture more. “The many positive interactions I’ve had with my customers and support I’ve experienced since opening has only confirmed that I made the right choice,” Ridaura happily adds. While Ridaura says her future looks “busy and pink,” the possibility for future endeavors is not out of the question. “Holy Matcha is my everything for the time being, but why stop here? You never know,” suggests Ridaura. Whatever her next venture is, it’s safe to say the city will be ready.
A RT & S O C I E T Y SOCIAL SCENE
Oakwood Escrow 2nd Annual All White Party Oakwood Escrow and The American Dream came together at Humphrey’s by the Bay for an excellent and widely-successful event in June: the Kickoff To Summer All-White Party. Benefitting Miracle Babies, the evening raised more than $14,000. Guests attended in stylish, white attire and enjoyed an array of food, vibrant live music and a dance floor, plus plenty of games and entertainment for a night filled with fun. 1
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1. Barbara and Breanna Legg 2. Seth and Jessie O’Byrne 3. Michael Cameron, Amy Maxwell, Cameron Rio, Elise Cameron 4. Craig Sewing, Angie Stanley, Dr. Sean Daneshmand, Kate O’Donnell 5. Erin Kristen Figi, Nicole J. Sowers
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Where Summer Never Ends
5 GREAT LOCATIONS TO SERVE YOU!
Del Mar Plaza
1555 Camino Del Mar, Ste 328, Del Mar
ON STAGE NOW EXTENDED TO AUGUST 13
San Diego
789 W. Harbor Dr., Downtown San Diego
By Nagle Jackson Directed by Andrew Barnicle
Carlsbad
2975 State St., Carlsbad
An uproarious comedy about a bohemian theatre troupe who find themselves performing in an Eastern European police state. However, there is more drama backstage than onstage, with romantic entanglements, political intrigue and a wildly funny climax. It’s a laugh a minute, and you’ll leave the theatre reveling in the merriment.
Palm Desert
J W Marriott-Desert Springs: 74855 Country Club Dr., Palm Desert Desert Springs Market Place: 72924 Country Club Dr. #G-130 Palm Desert
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StudioSavvy-FINEquarterpg_2016-12-01.pdf
AUGUST 17 – 27 Written by Cameron Mackintosh and Robin Ray, with music and lyrics by Tom Lehrer A revue of the witty, wicked and thoroughly twisted world of famed satirical songwriter Tom Lehrer. Four actors, stools, a piano and a healthy dose of attitude are all that you need to enjoy this delightful revue. Audience will be beside themselves with the clever lyrics and hummable tunes. Rediscover the man and the songs that have delighted and skewered the world for over forty years in Tomfoolery!
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A RT & S O C I E T Y SOCIAL SCENE
3rd Annual Haute 2 Trot Fashion Show FINE Magazine, Oakwood Escrow and American Public Mortgage hosted this summer’s hottest bash in July: the 3rd annual Haute 2 Trot Fashion Show and pre-Opening Day party. Set atop the Del Mar Plaza Deck, the night featured the finest food and beverage samples from our vendors, live music and stunning summer styles from local boutiques and designers. The evening partnered with local charity The Collective Access, which helps kids achieve their dreams through networking and relationships. 1
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1. Heather Brandt and Oscar A. Gastelum 2. Tiffany Delgado, Shelby Lima 3. Michael Castillo, Chelsea Roach, Danny Castillo 4. Jing Mi 5. Bethany Fullerton 6. Terrance Cooper 7. Anastasia Trachenko 8. Kimi Evans, Tawnie Vargas 9. Siomara Garcia, Jess Yacovelle, Hannah Pierangelo, Melissa Burciaga 8
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ONE MORE THING
Extreme Adventure Group By Melissa Burciaga
What inspired you to start this group? I moved here from Indiana, and I [got] into hiking. I told myself, “I’m [moving] to California and starting a new life – I’m gonna take advantage of everything.” I started hiking with a neighbor of mine [that] ended up moving to another state. One of the guys I work with suggested I try Meetup. I thought it was a dating site; I had never heard of it before! I gave it a shot and started SoCal X. [I] started out with some simple stuff, some hikes and Balboa Park… just some basic stuff around San Diego that I had never been to, and [the group] has blown up from there. What adventure trips are your favorite? The first place I explored when I came to California were the Sunset Cliffs. I didn’t have the nerves to climb down the cliffs and see caves. No matter how many times I go to Sunset Cliffs, I always get a kick out of it. I also really enjoy exploring abandoned mines out in the desert, and that takes a lot of technical skill… There are cave systems around Campo, but the deep gold and tungsten mines that I’ve explored in the Mojave Desert [are
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my favorite]. Now [we] repel down vertical mine shafts. We have repelling practice from time to time [to] try to teach the skill. How does SoCal X choose the locations? For the first couple of years, it was mainly San Diego County stuff. I’d go to various websites and look up abandoned places – caves, waterfalls, points of interest, hiking destinations. I use a couple different tools like old mine registries, historic documents and Google Earth. I know what to look for in the satellite imagery, so I know how to track mines. I’ll repeat some trips like Sunset Cliffs during the summer since it’s fun to get in the water. What would you tell people that are unsure of joining the group? There are a lot of Meetup groups and hiking groups around San Diego. My group isn’t for beginners because we get into dangerous stuff. I really hate to turn people away, but there are a few basic questions people have to answer in order to join the group. What’s your rappelling and rope group skill from one to ten? What’s your exploring underground experience from one to ten? How would you rate your ability to navigate rough terrain off-trail? If someone signs up and they give me all ones, there are other groups that are more that speed. Is there anything else you’d like to tell our readers? SoCal X would be nothing without the people in the group. Our core group of people are fantastic, and I put my life in their hands. I’ve met some really incredible people because of SoCal X.
PHOTOS, LEFT TO RIGHT: FREDRIK FARNSTROM, ERIC JOHNSON AND TREVOR MOTTRAM
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merica’s Finest City is filled with exciting places to visit, so it’s no surprise that it’s filled with adventure groups that meet and organize themselves through the Meetup app. One group in particular, SoCal X (founded October 2012), is an adventure and exploration group that has captivated social media with their breathtaking photos of magical places around San Diego. FINE Magazine spoke to the founder of SoCal X, Trevor Mottram, about San Diego’s most extreme adventure group.
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Experience North County’s most beautiful place to shop. Ocean breezes, incredible landscaping, sparkling fountains and the perfect collection of stores, restaurants, salons and spas, make The Forum Carlsbad a definite “must see” destination. With Anthropoligie/BHLDN, Apple, J. Crew, Urban Outfitters, H&M, Free People, Chico’s, Madewell, lululemon athletica, Sur La Table, bluemercury and more, The Forum Carlsbad is what shopping should be. And it’s yours to enjoy.
1923 Calle Barcelona, Carlsbad, CA 92009, 760.479.0166, www.theforumcarlsbad.com
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This is for information purposes and is not an advertisement to extend consumer credit as defined by Section 12 CFR 1026.2 Regulation Z. Certain restrictions apply. This is not an offer for a rate lock agreement under any applicable law. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. All loan inquiries/applications are managed by a Loan Officer licensed in the property state. American Portfolio Mortgage Corporation (APMC), NMLS ID 175656, is a Nevada corporation located at 800 E. NW Highway #821, Palatine, IL 60074. Address of licensee is Palatine, IL unless noted below. APMC is licensed in the following states: AZ-Mortgage Banker #0920153* CA-DBO #4131326 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act * CO- Mortgage Company Registration* FL-Mortgage Lender#MLD836* GA-Mortgage Lender#34260* IL-Residential Mortgage Licensee# MB.0005608, Regulated By The IDFPR 122 S. Michigan Ave #1900, Chicago, IL, 60603, 312-793-3000* IN-DFI First Lien Mortgage Lending#17114* IA -Mortgage Banker# 2012-0015*KS Mortgage Co License# MC.0025217* KY-Mortgage Company #MC81341 *LA-Residential Mortgage Lending* MD Mortgage Lender License #21092* MI-First Mortgage Broker Lender Registrant# FR0018590* MN-Residential Mortgage Originator #MN-MO-175656* MO Reg# 14-2160-A*North Carolina Mortgage Lender License L-158767* Ohio Mortgage Broker Act Mortgage Banker Exemption MBMB.850217.000*OK-Mortgage Lender License# MLO10812* TN-Mortgage License#112482*TX-SML Mortgage Banker Registration* WI-Mortgage Banker#175656BA. The content provided in this document was not approved by HUD of FHA.