MY LIVING CONTENTS - ZONE E
BEAUTY
Angel’s View Hair Salon ................ 24
NaySpa ................................... 24, 36
CLEANING SERVICES
Choco’s Carpet Cleaning ............... 40
Shack Shine .................................. 26
Stanley Steemer ............................. 9
The Groutsmith Grout Cleaning..... 23
DINING & ENTERTAINMENT
Beach Bites................................... 17
Big Shots ...................................... 25
Carvel Ice Cream - Vero ................ 18
Heathcote Botanical Gardens 14
Island Pig & Fish 16, 24
Italian Kitchen of Vero 18
Latin Melting Pot 16
Mawk Wine & Spirits 17
Renningers South East 16
St. Lucie Fairgrounds
Festival of Lights 19
Sumo House Japanese & Thai Restaurant 17
Tequila Azteca 24
GOLF
Total Golf Cart 20
HOME IMPROVEMENT
1 Day Kitchen and Bath Transformations 25
A Coast Roof 34
A Master Closet 12
Able Closets 38
Affordable & Superior Painting 7
American Made Windows 35
B&W Painting 32
BF Bins Dumpster Rentals 47
Came. P.M. Services LLC...............26
Certified Island Restoration 22
Clean & Seal Pros 24
Dream Land Plumbing 32
Ebens Air Conditioning 6
Expert Shutters 29
Florida Shade Maker 15, 24
Folding Shutter Corporation
-Castle Impact Windows 40
I received a phone call the other day from a prospective client. She was concerned because of the lack of attention she was receiving from her Financial Advisor. I asked her a few questions and realized why this was happening. It made me think that her situation was no di erent than many of you who might be reading this. Her account was at one of the major brokerage rms we all know. e lack of attention she was getting was not her fault. It happens quite o en at the major brokerage rms and for good reason.
Brokerage rms set minimum asset requirements on their advisors for them to be compensated. e advisor in this relationship was not compensated because the relationship size was less than $500,000. ese rms set minimum relationship sizes on their accounts and if that minimum is not met then the client is usually directed to a call center where they may speak to a di erent person on any given day. To me this does not seem like good service. A er all, even though your account size may be smaller, you are still paying a fee to that rm to advise you. at fee is usually the same or more percentage wise as it would be if you dealt directly with an individual advisor. e only di erence is the brokerage rm keeps the entire fee and does not compensate the advisor who opened the account.
As an Independent advisor, I can work with any client whether their assets are $500,000 or $10 million. Prior to being an Independent Advisor, I worked for a couple of major brokerage rms. For me, the decision to leave that business was simple. I wanted to run my own business and help as many people as possible. Will ompson and I started this rm to help investors achieve their nancial goals. We did it so we could decide who we wanted as clients, and we do not discriminate based on a dollar gure. If someone comes in with a goal to reach retirement or get through retirement, we want to help.
Both Will and I cut our teeth working at major rms. Our backgrounds are completely di erent though. Will worked on the institutional side and got his Chartered Financial Analyst certi cation while doing so. e CFA® is one of the most highly respected designations in our industry. It takes years to achieve
this designation. His experience is vast, and he has used it within our rm to make it a unique Independent rm in Stuart, FL. ere are not many advisors around that hold both the CFA® and CFP® designations, but he does, and this sets him apart from other advisors. His credentials are impressive, but the most impressive part to me is that Will cares about every client we serve.
My background is on the retail, client facing side of the industry. I worked for two major brokerage rms as well as a large Independent Registered Investment Advisor prior to starting Chapman Capital Advisors. I have passed multiple securities licensing exams and hold my certi cate in Financial Planning as well. Although Will and I come from di erent sides of the industry, we both share one common trait. We care about our clients. We want them to be successful. We want them to achieve their nancial goals. If you are tired of being a number and want to work with advisors who care, please give us a call to set up a free consultation.
by Jay Chapman, CFP®
For What It’s Worth
Okay, I really don’t like recommending movies, because inevitably, I get lot of emails reminding me that I have no taste in lms, but i can’t help but recommend this one! If you’re a dog lover, and even if you’re not, this is a must-see movie that will not leave your mind for a long time. It is e Art of Racing in the Rain. Spoiler alert, the dog and master do not come to a terrible death, so wipe that from your mind. e dog narrates the movies for the most part (Kevin Costner) and who doesn’t love his voice! It is poignant, thought provoking, sensitive, and everything you could ever want to entertain you for an evening. I saw it on FX, if you happen to get that channel, and it was free.
en, I played it again for guests a few nights ago. Two of the people were not
by L.E. Murphy
necessarily animal lovers, but by the end of the night, everyone agreed that the canine species should be able to speak in people language, so we could know their feelings about nearly every subject. One particular sentence stayed with me, probably forever. e dog, Enzo, said, referring to his inability to speak, “Sometimes I hate what I am.” at sentence, at that particular scene in the movie, was a tear-jerker so have tissues available from the outset.
I have always had dogs as pets until the past ten years or more, when it just was no longer feasible, nor would it have been fair to the animal, but it was all I could do not to immediately plunk down some money to nd the perfect animal. I didn’t care, at that point, if it wasn’t potty-trained, chewed up my good shoes,
or ripped apart my leather couch. Fortunately, as most bad ideas reveal themselves, the next morning I came to my senses, but if you can see it in your heart to rescue, purchase or in any way nd the perfect dog for your family, the love you will receive will more than be worth it.
In the meanwhile, at least watch the movie. en decide. For What It’s Worth, we all need to be loved, and there is no one that will love you unconditionally, as much as your dog!v
Comments or Suggestions
ForWhatItsWorth@mediaoms.com
DEDICATED TO HIGH QUALITY
Gameday Men’s Health uses only Bioidentical hormones, which are identical in structure to the hormones we naturally produce. A safe, effective and natural treatment compared to synthetic hormones.
EFFECTIVE TREATMENT PROGRAMS
Most of our patients experience noticeable results within weeks of their rst treatment. While results will vary from patient to patient, our team of Gameday Men’s Health hormone specialists are available to ensure that your treatment is progressing safely and effectively.
DESIGNED FOR MEN ON-THE-GO
We know you’re busy. This is why we’ve developed our program so that appointments are fast. Additionally, if you qualify for Testosterone Treatment you can administer all your medications from home or in our of ce. One shot a week is all it takes to get you back in the game.
• General Contractor
• Condo Renovations
• Architecture/ Engineering
• Kitchen Remodeling
• Bathroom Remodeling
• Room Additions
• New Home Construction
•
• Countertops
•
•
We pride ourselves on being a comprehensive solution for all your needs. Our services encompass everything from obtaining permits, designing, and completing projects, all while boasting a showroom where you can explore a wide array of options and view displays. Featuring an extensive range of products, our showroom includes items such as ooring, closets, cabinets, countertops, hardware, interior doors, windows, baseboards, bathroom and kitchen faucets, and various accessories like towel bars. Additionally, we provide nancing options for your convenience. Our commitment to o ering a diverse array of services and products, coupled with nancial exibility, solidi es our position as your ultimate one-stop destination for home improvements. We also pride ourselves in having mostly employees that do the work.
•
•
•
•
•
•
•
•
•
•
