INSIGHTFUL RESOURCES FOR THE INFORMED INVESTOR
7 ways to boost your savings

7 ways to boost your savings

Retirement & Longevity
Discover smart options to grow your savings. Although saving more takes some effort, it may be easier than you think...
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Are you and your partner on the same retirement page?

Are you and your partner on the same retirement page?

Retirement & Longevity
Many couples don’t agree on when, where or how they’re going to spend their golden years. When Fidelity Investments asked...
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Your year-end tax planning checklist

Your year-end tax planning checklist

Tax Planning
Kickstart your tax season planning with this list of important deadlines, relevant documents and strategy considerations. With the end of...
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Soles of Love

Soles of Love

Markets & Investing
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Bright days, and bright ideas to keep your finances on track

Bright days, and bright ideas to keep your finances on track

Family & Life Events
It’s summertime! Thoughts of warm sun on your face may be top of mind – but a financial check-in might...
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Why the “no debt” approach isn’t optimal for every investor

Why the “no debt” approach isn’t optimal for every investor

Markets & Investing
Your portfolio can be the key to managing cash and maintaining flexibility. Today’s financial gurus seem to share a golden...
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3 things to remember in manic markets

3 things to remember in manic markets

Markets & Investing
The fall from bull to bear market has been fast and frustrating but here are three dynamics to watch, says...
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An empty nest could mean a fuller wallet

An empty nest could mean a fuller wallet

Family & Life Events
FAMILY & LIFESTYLE When children leave home, you may have extra resources to invest in yourself. “Pomp and Circumstance” plays....
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Should your estate plan address addiction?

Should your estate plan address addiction?

Estate & Giving
Determining how to address substance abuse and addiction among your beneficiaries can be a sensitive and difficult decision. Planning to...
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3 things to remember in manic markets

3 things to remember in manic markets

Markets & Investing
The fall from bull to bear market has been fast and frustrating but here are three dynamics to watch, says...
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Should your estate plan address addiction?

Should your estate plan address addiction?

Estate & Giving
Determining how to address substance abuse and addiction among your beneficiaries can be a sensitive and difficult decision. Planning to...
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Fed gets aggressive on inflation with 75 basis point rate hike

Fed gets aggressive on inflation with 75 basis point rate hike

Markets & Investing
The Fed changed its tone at the June meeting with a 75 basis point rate hike, said Chief Economist Eugenio...
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Saying

Saying

Weekly Inspirational Quotes
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How rebalancing helps keep your portfolio on track

How rebalancing helps keep your portfolio on track

Markets & Investing
Revisiting your allocation helps keep your financial plan aligned with your goals, risk tolerance and time horizon. When your portfolio...
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Full hands, full hearts: becoming a caregiver

Full hands, full hearts: becoming a caregiver

Family & Life Events
Family and Lifestyle Caring for a spouse or parent is a love story that, like others, has obstacles to overcome....
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How to Combat Healthcare Cost Inflation in Retirement

How to Combat Healthcare Cost Inflation in Retirement

Retirement & Longevity
Retirement and Longevity Health-related expenses can arise unexpectedly. Learn how to prevent them from throwing your long-term plan off track....
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Full hands, full hearts: becoming a caregiver

Full hands, full hearts: becoming a caregiver

Family & Life Events
Family and Lifestyle Caring for a spouse or parent is a love story that, like others, has obstacles to overcome....
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6 things to remember when markets fall

6 things to remember when markets fall

Markets & Investing
Markets and Investing Maintain your composure – and long-term focus – when volatility emerges. It can be unsettling for investors...
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Sorting through complicated compensation plans

Sorting through complicated compensation plans

Family & Life Events
Family and Lifestyle Managing earnings tax efficiently may be just as important as the compensation package itself. You’ve worked hard...
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The friendship wealth gap

Family & Life Events
Family and Lifestyle The do’s and don’ts of navigating mixed-income relationships Money plays a part in all relationships, and friendships...
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Over time, markets have proved positive and resilient

Over time, markets have proved positive and resilient

Markets & Investing
When markets react, consider a broader historical perspective before changing your financial course. Market volatility can often trigger emotional responses...
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Tips for creating an inheritance that lasts generations

Tips for creating an inheritance that lasts generations

Estate & Giving
If you have wealth to transfer, you may worry about the sometimes adverse effect of sudden wealth and the squandering of...
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Deep clean your portfolio this spring

Deep clean your portfolio this spring

Retirement & Longevity
Retirement and Longevity Mark your calendar with important market deadlines and closures. Refresh your portfolio this spring by reviewing your...
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How different types of insurance help manage risk

How different types of insurance help manage risk

Family & Life Events
Family and Lifestyle Find the right mix of coverage to live with confidence. Let’s face it: Life involves risk. That’s...
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The importance of discussing inheritance with your heirs

The importance of discussing inheritance with your heirs

Estate & Giving
Estate and Giving As you finalize estate plans and decide how you’ll distribute your fortune, it will benefit everyone involved...
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Quote

Weekly Inspirational Quotes
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Have you hired the right tax accountant?

Have you hired the right tax accountant?

Tax Planning
Tax Planning Five signs you’ve chosen the right accountant; two signs that suggest proceeding with caution. Not everyone needs a...
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Double the inheritance, double the planning

Double the inheritance, double the planning

Family & Life Events
Family and Lifestyle Women may be in for double the planning when it comes to managing windfalls. Inheritances are a...
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Are you and your partner on the same retirement page?

Are you and your partner on the same retirement page?

Retirement & Longevity
Retirement and Longevity Many couples don’t agree on when, where or how they’re going to spend their golden years. When...
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Donate Reward Points to Help Charities Go the Distance

Donate Reward Points to Help Charities Go the Distance

Estate & Giving
Estate and Giving Sitting on piles of miles about to expire? Put your rewards to work for deserving causes. Helping...
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Strategies for paying an unexpected tax bill

Strategies for paying an unexpected tax bill

Markets & Investing
Tax Planning Surprised by a tax bill this year? Consider ways to pay without interrupting your financial plan. Filing season...
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Weekly Inspirational Quotes
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Laying the groundwork for tax season

Laying the groundwork for tax season

Family & Life Events
Laying the groundwork for tax season Tax Planning Smart moves at the beginning of tax season can help get your...
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7 tips for financially and emotionally navigating a divorce

7 tips for financially and emotionally navigating a divorce

Family & Life Events
Family and Lifestyle Find practical solutions to help you navigate your divorce before, during and after you file. Going through...
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Quote

Quote

Weekly Inspirational Quotes
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Donate Reward Points to Help Charities Go the Distance

Donate Reward Points to Help Charities Go the Distance

Estate & Giving
Estate and Giving Sitting on piles of miles about to expire? Put your rewards to work for deserving causes. Helping...
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Can you distinguish cash fact from cash fallacy?

Can you distinguish cash fact from cash fallacy?

Markets & Investing
Markets and Investing Combat common cash myths with cold, hard facts. We hear it all the time. Cash is king....
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Laying the Groundwork for Tax Season

Laying the Groundwork for Tax Season

Tax Planning
Tax Planning January 05, 2022 Smart moves at the beginning of tax season can help get your financial house in...
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Optimize Your Estate Plan for 2022 and Beyond

Optimize Your Estate Plan for 2022 and Beyond

Estate & Giving
Estate and Giving Five ways to refine your plan for the future. A new year brings fresh opportunities to protect...
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New Year Newsletter 2022

New Year Newsletter 2022

Markets & Investing
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Financial Resolutions for 2022

Financial Resolutions for 2022

Lifestyle & Technology
Retirement and Longevity Start the new year right by reviewing and revamping your financial plan. Instead of hauling out those...
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Making a Job Move? Don’t Overlook the Negotiation Phase

Making a Job Move? Don’t Overlook the Negotiation Phase

Family & Life Events
Family and Lifestyle Consider these tips for maneuvering through the current candidate-driven job market. Dubbed the “Great Resignation,” a report...
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Quote

Quote

Weekly Inspirational Quotes
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6 Things to Remember When Markets Fall

6 Things to Remember When Markets Fall

Markets & Investing
Maintain your composure – and long-term focus – when volatility emerges. It can be unsettling for investors when their portfolios...
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Solidify Your Family Legacy by Preparing Your Beneficiaries

Solidify Your Family Legacy by Preparing Your Beneficiaries

Estate & Giving
Careful planning and open communication is critical for the successful transition of family wealth and values. You’ve achieved a certain...
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October 2021 Newsletter

October 2021 Newsletter

Office News & Announcements
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Quote

Weekly Inspirational Quotes
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Trim Your Future Tax Bill by Thinking Ahead

Trim Your Future Tax Bill by Thinking Ahead

Tax Planning
Don’t procrastinate when it comes to prepping for tax season. The tax code can be a labyrinth to navigate. Nevertheless,...
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Does Your Business Qualify for This Notable Tax Deduction?

Does Your Business Qualify for This Notable Tax Deduction?

Markets & Investing Tax Planning
  Pass-through entities now have a more level planning field with businesses that benefitted from the 2017 corporate tax reduction.You...
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Get to Know Special Needs Trusts

Get to Know Special Needs Trusts

Family & Life Events
  Estate and Giving Trust assets can be used for a variety of helpful and enriching benefits, all while not...
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Trading vs. Investing… Growing vs. Protecting

Trading vs. Investing… Growing vs. Protecting

Markets & Investing
Markets and Investing October 12, 2021 Doug Drabik discusses fixed income market conditions and offers insight for bond investors. Trading...
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Social Security Increases Benefits by 5.9% for 2022

Social Security Increases Benefits by 5.9% for 2022

Retirement & Longevity
More than 64 million Americans will see the increase in their payments beginning in January. The Social Security Administration has...
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For the Love of Libraries

For the Love of Libraries

Estate & Giving
Free access to a private library was “like a blessing from above” for a poor telegraph messenger in the late...
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Is It Time for a Change of Plan?

Is It Time for a Change of Plan?

Retirement & Longevity
Retirement and Longevity Medicare open enrollment provides the opportunity to pair coverage with life’s changes. The arrival of fall also...
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Healthy, Wealthy and Wise

Healthy, Wealthy and Wise

Business Ownership
Business Ownership The connection between financial wellness and health can have benefits for your employees and your business. The connection...
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Becoming a Digital Nomad

Becoming a Digital Nomad

Lifestyle & Technology
Lifestyle and Technology Two truths and a lie about life on the road. It’s common to consider downsizing as you...
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Are Your Important Documents Secure and Accessible?

Are Your Important Documents Secure and Accessible?

Family & Life Events
Family and Lifestyle Keep your financial life organized with a thoughtful combination of digital and physical storage solutions. Pop quiz:...
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How Different Types of Investment Income Are Taxed

How Different Types of Investment Income Are Taxed

Tax Planning
Tax Planning April 06, 2021 Learn how interest income, capital gains, dividends and retirement income are treated at filing time....
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Climbing for a cause with the American Lung Association

Estate & Giving
Learn how a group of Raymond James associates and advisors came together to build connections, healthier bodies and awareness around...
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Giving Charitably With QCDs

Giving Charitably With QCDs

Estate & Giving
Estate and Giving Your required IRA distributions can benefit a worthy cause – while you benefit from a reduced tax...
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Who Do You Want to Be in Retirement?

Retirement & Longevity
Retirement and Longevity Today’s retirees are crafting a variety of retirement styles. What’s yours? Although an estimated 10,000 Americans reach...
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Quote

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Weekly Inspirational Quotes
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Post-Disaster Relief Resources

Post-Disaster Relief Resources

Family & Life Events
Family and Lifestyle In the wake of a natural disaster, online resources are available to help you seek federal assistance...
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Debunking Social Security Myths [INFOGRAPHIC]

Retirement & Longevity
Retirement and Longevity Shine some light on these common misconceptions to help get the most from your hard-earned benefits.
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July 2021 Newsletter

July 2021 Newsletter

Office News & Announcements
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Life-Changing Events Change Your Taxes, Too

Life-Changing Events Change Your Taxes, Too

Tax Planning
Tax Planning Review how six major life events can impact your federal return. Legislation and life – two things guaranteed...
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Gender Pay Gap Has Narrowed, but 18-Cent Shortfall Remains

Gender Pay Gap Has Narrowed, but 18-Cent Shortfall Remains

Lifestyle & Technology
Lifestyle and Technology February 08, 2021 Women have ground to cover to find pay equity. March 24, 2021. Let that...
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Quote

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Weekly Inspirational Quotes
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Give Your Financial Privacy an Added Boost

Give Your Financial Privacy an Added Boost

Lifestyle & Technology
  Lifestyle and Technology Your trusted financial institutions should have solid privacy protocols in place. But you can take steps...
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Study Confirms Women Most Often Manage Their Households

Study Confirms Women Most Often Manage Their Households

Family & Life Events
  Family and Lifestyle January 29, 2021 Women are more likely than their partners to be managing their homes and...
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What Savvy Investors Know About Social Security

What Savvy Investors Know About Social Security

Retirement & Longevity
Retirement and Longevity Explore some of the ways that in-the-know retirees make the most of their benefits. In any financially...
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Which Education Expenses Are Considered Qualified?

Which Education Expenses Are Considered Qualified?

Family & Life Events
Family and Lifestyle Learn more about what the savings in a 529 plan can help pay for. 529 plans are valuable...
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Food and Beverage Companies Plant Seeds of Sustainability

Food and Beverage Companies Plant Seeds of Sustainability

Lifestyle & Technology
Lifestyle and Technology From farm to fork, the industry is innovating and streamlining to feed more while reducing greenhouse gas...
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Will Iran’s Presidential Election Drive Oil Prices Higher?

Will Iran’s Presidential Election Drive Oil Prices Higher?

Economy & Policy
Economy and Policy June 16, 2021 The likely victory of a hardliner candidate could postpone the return of Iranian crude...
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Support Your Long-Term Plan Throughout the Summer

Support Your Long-Term Plan Throughout the Summer

Retirement & Longevity
Retirement and Longevity Mark your calendar with important tax deadlines and market closures. Schedule some time to review your Social...
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Your Business Deserves an “Estate Plan”

Your Business Deserves an “Estate Plan”

Business Ownership
Drafting a succession plan now can help your business stand the test of time. As a business owner, you’ve invested...
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10 Tips for a Fulfilling Retirement

10 Tips for a Fulfilling Retirement

Retirement & Longevity
Finally said adieu to your 9-to-5? These suggestions can you craft a successful, satisfying retirement. According to the MIT AgeLab,...
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HCC Alumni Virtual Event: Making a Financial Plan

HCC Alumni Virtual Event: Making a Financial Plan

Office News & Announcements
Joan Bowers had the opportunity to sit down and share different aspects of Financial Planning with HCC Alumni Association. Video:...
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How Cyber Savvy Are You?

How Cyber Savvy Are You?

Lifestyle & Technology
Cyberattacks are America’s fastest-growing crime. Review these tips for keeping your personal information safe. Do you know the difference between...
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The Do’s and Don’ts of Managing Up

The Do’s and Don’ts of Managing Up

Family & Life Events
Working remotely can add an extra challenge to building effective relationships; conquer it with these tips. It may feel like...
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Passing Down a Passion to Your Loved Ones

Passing Down a Passion to Your Loved Ones

Retirement & Longevity
Thoughtfulness – and planning – will create a legacy that celebrates your life. Everyone’s legacy looks different. For some, it’s...
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Day One of the Rest of Your Life

Day One of the Rest of Your Life

Retirement & Longevity
Visualizing what you want in retirement before you get there may lead to greater fulfillment. Like all major life events,...
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Raymond James Cares Month 2020 | Giving back to the communities in which we live and work

Raymond James Cares Month 2020 | Giving back to the communities in which we live and work

Office News & Announcements
Together, we make a difference to build, strengthen and grow our communities – especially, when it’s needed most. Volunteerism is...
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Are You a Caregiver? The Answer May Surprise You [VIDEO]

Are You a Caregiver? The Answer May Surprise You [VIDEO]

Retirement & Longevity
Caregiving doesn’t always entail helping your loved one dress, bathe or eat – it can encompass anything you do to...
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Rate Changes Don’t Have to Derail Your Retirement Plans

Rate Changes Don’t Have to Derail Your Retirement Plans

Markets & Investing
  Careful planning and income diversification can help keep you on track. A pandemic-stricken economy and an aging population with...
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A sustainable morning spent with the Ol’ Salty Souls

A sustainable morning spent with the Ol’ Salty Souls

Office News & Announcements
Raymond James associate Samantha Johns and her daughter Aurelia fill buckets with waste at Gandy Beach. On a breezy, cloudless...
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Quote

Quote

Weekly Inspirational Quotes
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Mitigating Surtaxes Faced by High-Income Earners

Mitigating Surtaxes Faced by High-Income Earners

Tax Planning
Thoughtful, proactive planning can help high-earning taxpayers reduce their net investment income tax and additional Medicare tax bills. Every investor...
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Answering Four Common Questions About COVID-19 and 529 Plans

Answering Four Common Questions About COVID-19 and 529 Plans

Family & Life Events
Learn how virtual classes, gap years, K-12 expenses and refunds may impact your education savings. The COVID-19 outbreak has upended...
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Easy Ways to Add a Little More Joy to Your Day

Easy Ways to Add a Little More Joy to Your Day

Lifestyle & Technology
Add a small splash of happiness to your regular routine with these suggestions. Start your day on the right foot...
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April 2021 Newsletter

April 2021 Newsletter

Markets & Investing
Read the April newsletter.
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Answering Four Common Questions About COVID-19 and 529 Plans

Answering Four Common Questions About COVID-19 and 529 Plans

Family & Life Events
Learn how virtual classes, gap years, K-12 expenses and refunds may impact your education savings. The COVID-19 outbreak has upended...
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Blueprints for Your Financial Future

Blueprints for Your Financial Future

Markets & Investing
Investment policy statements can serve as a guide for you and your advisor. Entrepreneurs don’t start a business without a...
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How to Survive the Early, Emotional Days of Entrepreneurship

How to Survive the Early, Emotional Days of Entrepreneurship

Business Ownership
It can be challenging to cope with the emotional highs and lows of early business ownership. You’ve got an idea....
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Don’t Hold Your Breath for the Return of Double-Digit Rates

Don’t Hold Your Breath for the Return of Double-Digit Rates

Economy & Policy
What sustained low interest rates could mean for the economy and your wallet. Today’s extraordinarily low interest rates have created...
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4 Financially Awkward Questions

4 Financially Awkward Questions

Retirement & Longevity
Though you can ask your advisor anything, some topics are harder to bring up. In an age when you can...
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Quote

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Weekly Inspirational Quotes
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Laying the Groundwork for Tax Season

Laying the Groundwork for Tax Season

Tax Planning
Smart moves at the beginning of tax season can help get your financial house in order. Contrary to popular belief,...
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The Realities of Remarriage

The Realities of Remarriage

Family & Life Events
A new union can and should change your financial picture. For a variety of reasons, second (or third) marriages are...
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Learn to Make Happiness a Habit

Learn to Make Happiness a Habit

Lifestyle & Technology
A habit of contentment can lead to a lifetime of joy. We anticipate the upcoming weekend, the next promotion, the...
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Did You Know 529s Are Powerful Estate Planning Tools?

Did You Know 529s Are Powerful Estate Planning Tools?

Estate & Giving
Most of us associate 529 accounts as college savings vehicles. They’re flexible, allowing you to transfer assets to anyone, including...
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Which Wellness Perks Do Employees Value Most?

Which Wellness Perks Do Employees Value Most?

Business Ownership
Consider the value in offering your team a few thoughtful, low-cost perks. A recent survey from FutureWorkplace and View says...
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“American Rescue Plan” Includes More Payments to Families

“American Rescue Plan” Includes More Payments to Families

Economy & Policy
If passed, the package means families of four with household income below $150,000 will receive at least $14,000 in federal...
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How to Help Mitigate the Negative Impacts of Market Swings

How to Help Mitigate the Negative Impacts of Market Swings

Markets & Investing
Review how to better prepare your portfolio for a downturn – and how to potentially take advantage of one when...
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Check These Financial To-Do’s off Your Spring Cleaning List

Check These Financial To-Do’s off Your Spring Cleaning List

Retirement & Longevity
Mark your calendar with important deadlines for taxes, savings account contributions and required minimum distributions. Schedule some time to check...
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Women’s History Month

Women’s History Month

Family & Life Events
In honor of celebrating Women's History Month. Joan Bowers shares her story on how one woman impacted her life and...
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January 2021 Newsletter

January 2021 Newsletter

Office News & Announcements
Read the January newsletter.
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NAVIGATING YOUR FINANCIAL PATH

Along with challenges, the market also brings new opportunities – you just have to know where to look and when to
take action. Over the years, we’ve helped clients navigate through challenging times with purpose and confidence
toward their financial goals, and I’m here to help you, too. We can offer you an array of personalized financial services,
support and guidance that can help make a positive difference in the pursuit of your financial goals.