Los Angeles Times

SEEKING CAREER CHANGE

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[Makeover, came early.

“When I was a kid, I used to race around the family pool in my red pedal firetruck, fast enough to swing around the rear end on the turns,” Tartalia said.

To make the route to school in South Florida more interestin­g, he and a friend fashioned vines and ropes so that “we could try to swing along without touching the ground.”

A steady diet of martial arts movie matinees every Saturday inspired Tartalia to learn Northern Shaolin Eagle Claw Kung Fu. His first big break, as an uncredited stunt double in 1985’s “The Last Dragon,” wasn’t exactly a cinematic masterpiec­e, but Tartalia was hooked.

The years he spent as a stuntman and actor in films in Hong Kong, Thailand, Malaysia, Vietnam, the Philippine­s and Morocco were a mixed bag. The income earned on a series of tourist visas didn’t boost his pay into the U.S. Social Security system, but the experience inspired his interest in cooking.

Tartalia’s friends are his test audience, receiving messages that say things like: “We’re going to Indonesia today. Surabuya boneless fragrant chicken curry and/or baby back ribs, water spinach ‘ong choy’ pickled cucumber.”

Tartalia has big dreams, sometimes envisionin­g his own “hip, comfy Indonesian­centric restaurant.” He’s even imagined a kind of travel show in which he revisits the places that have inspired his cooking. He’d like to develop other food-related ventures, such as a line of spices that would sell at Whole Foods Markets.

When he ratchets down the high-octane enthusiasm, he sees himself cooking at farmers markets or using the restaurant-quality kitchens of friends during off hours.

“I’ve found through extensive potlucks, demonstrat­ions and farmers market food-court booths that there is an incredible enduring excitement that comes from discoverin­g an unknown cuisine,” Tartalia said.

Fernandez said Tartalia could be successful if he summons the same zeal he used in his film and TV stunt work.

“Steve needs to start small,” Fernandez said. “It’s very typical of a lot of people at this stage of their lives to want to pick up on a passion, which, for Steve, is cooking.”

If he can leverage his past career and entertainm­entindustr­y contacts, Fernandez said, “he can succeed, but it won’t be easy.”

Tartalia lacks the capital he would need to make a splashy entrance into the food business, Fernandez cautioned. That’s partly the result of a business partnershi­p in a Web magazine that went under, taking about $40,000 in savings with it.

If another investment comes along that requires Tartalia to put in a lot of money, Fernandez wants to make sure he avoids it.

“You only gamble with discretion­ary money that is over and above what you need,” Fernandez said. To that end, Tartalia needs to build up an emergency fund of at least $1,000.

Then there’s the additional problem of $12,000 in credit card debt Tartalia ran up over the last year to help make ends meet.

Fernandez suggested that Tartalia turn to the National Foundation for Credit Counseling for help in managing his money and making arrangemen­ts with his creditors to limit or lower the debt. He might also need to consult a bankruptcy attorney, she said.

His other expenses are modest, including a $1,000-amonth rent-controlled apartment in Santa Monica. To get around in the neighborho­od, Tartalia frequently uses an old motorcycle, which saves on fuel costs.

To jump-start his food business, Fernandez recommende­d that Tartalia consult with SCORE, formerly known as the Service Corps of Retired Executives, to get advice on a business plan and financing.

The most likely routes for Tartalia, Fernandez said, “might be something like becoming a home chef or cook that will come to your home and make dinner during a social event, leaving the hosts free to relax and interact with their guests.”

Other options, Fernandez said, would be obtaining the necessary licensing to cook at farmers markets or for a food truck, but both of those options would require raising money, perhaps through a Kickstarte­r or other crowd-funding campaign.

“He’s going to have to start on one or more of those three things and build a clientele base out from there,” Fernandez said. “I think those things can build off one another.”

Fernandez suggested Tartalia should still try to keep a hand in the stunt world, although in a less physically rigorous way. For instance, Tartalia said he had been asked to “break down fight scenes for a cowboy movie” shot in Spain. That could provide another source of income.

Also on Tartalia’s to-do list, Fernandez said, is to update his website, LAsianKitc­hen.com, to show that he is still actively pursuing the business.

“We are talking about layering,” Fernandez said, “just like how a corporate job search would be run. You want to make sure that those personal, word-ofmouth connection­s are made.

“If I’ve invited guests to my home and had a really good meal cooked for me, I’m going to tell people about it,” Fernandez said. “That’s the kind of thing Tartalia needs to do and that’s build a base of happy customers.”

Despite the obstacles ahead in transition­ing to a second career, a decent retirement is achievable, Fernandez said.

Tartalia spent enough years being flung through windows, kicked down stairs and knocked off rooftops to have earned a Screen Actors Guild pension of $25,800 a year.

In an otherwise undistingu­ished financial situation, the pension is like an oasis in a desert.

“Pensions are incredibly valuable,” Fernandez said. “To match that amount of annual income, one would have to have saved somewhere between $600,000 and $800,000.”

Tartalia’s main goal will be to work until he is 67 to build up a modest emergency fund and some savings to complement his pension and Social Security benefits, which should provide an additional $1,500 a month.

Fernandez said there was one caveat — only the Social Security money, not the pension, will have cost-of-living increases.

She wants Tartalia to wait until age 67 to retire. If he retired at 62, Tartalia would get less than $1,000 a month from Social Security. ronald.white@latimes.com Twitter: @RonWLATime­s

:: Do you need a money makeover? The Sunday Business section gives readers a chance to have their financial situations sized up by a profession­al advisor at no charge. To be considered, send an email to makeover@latimes.com. You also can send a letter to Makeover, Business Section, Los Angeles Times, 202 W. 1st St., Los Angeles, CA 90012. Include a brief descriptio­n of your financial goals and a daytime phone number. Informatio­n you send us will be shared with others.

 ?? Luis Sinco
Los Angeles Times ?? “LIKE AN ATHLETE, you need to get out while you can still walk,” said Stephen Tartalia, in his 50s and facing a dearth of stunt work.
Luis Sinco Los Angeles Times “LIKE AN ATHLETE, you need to get out while you can still walk,” said Stephen Tartalia, in his 50s and facing a dearth of stunt work.

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