S2-Pointe West Living-Vol.562

EAST COAST TAX & FINANCIAL PLANNING

Your Accountant, Financial Advisor, & Insurance Agent...

By Gabby Gregory

When was the last time you sat down with your accountant, nancial advisor, and insurance agent all in one room or on a conference call to talk about you, your money, and your goals? If you’re like most other people, then your answer is “never.”

At East Coast Tax & Financial Planning, however, you receive comprehensive advice about all three — accounting and taxes, insurance, and investment/ nancial management — during each and every meeting. After all, as the owner and CEO of the business — Danny Howes, EA, RFC — says, “You can make the best nancial investment decisions in the world, but if you’re giving most of it to Uncle Sam, it’s not a good investment strategy.”

Discovering the Dangers & Disconnect

For the past 20+ years, Danny has been working in the nancial services industry with a speci c mission in mind: to prevent people from going through the same unfortunate scenario that his family did.

Indeed, Danny’s father had no plans in place when, suddenly, he died of a heart attack at 60 years old. This tragedy led to a dif cult and challenging journey to put the pieces back together and ensure his mother and family were taken care of properly. In response to the experience, Danny transformed his whole approach to nancial planning and went to the drawing board, designing a planning process to help others avoid similar situations.

As he spent more time in the nancial industry, Danny realized that there was a “huge disconnect” between taxes, insurance, and investments. He decided the best solution would be to bridge those gaps himself, as he had the training, experience, and licenses for each.

All in One!

Comprehensive Financial Planning for Everyone

East Coast Tax & Financial Planning is a full-service accounting rm and insurance agency that offers investment management and nancial advice. Even if the experts at East Coast Tax & Financial Planning aren’t providing services in all three of these areas, they are happy to collaborate with your other providers to ensure that the advice and guidance given in any of these areas is accurate.

Danny and his professional team strive to educate and empower their clients to make smart nancial choices, whether they are business planning, saving for retirement, or already retired. Their process meets their clients where they’re at now, and they work together to develop a plan and a strategy to help their clients get where they want to go.

“It’s essential to look at potential pitfalls that can derail your plan and then proactively add measures of protection and maneuvers to navigate through the ‘what-ifs’ in life.

Like in science, we look at your nancial plan and apply pressure. We want to see what your plan looks like in alternative environments. For example, economic downturn, disability, premature death, long-term care, etc. Planning for these things makes it much easier to handle them when they arise, instead of dealing with them in real-time with no clear plan in place.”

— Danny Howes, EA, RFC

“If you fail to plan, you are planning to fail.” —

Benjamin Franklin

Visit East Coast Tax & Financial Planning sooner rather than later to make the proper plans to protect yourself, your family, and your loved ones! Danny attests that his clients have expressed that they wish they had started the process much sooner.

Danny Howes, EA, RFC

Wealth Management and Investment Advisory Services are offered through Truvestments Capital LLC, an SEC-registered investment advisor.

For What It’s Worth

Ok, so here’s the latest scoop on the medical situations regarding my last several columns, having to do with inability to get to a doctor from Cleveland Clinic in a timely manner. Yes, for those of you who insisted I name the dreaded hospital that I was writing about, it is, in fact, Cleveland Clinic. e reason I am now going to put a name to the place is because I was invited by Dr. Singh, the President of Cleveland Clinic to have a meet and greet this a ernoon. Just when you think you know how your week is going to go, wham, a personal invitation to speak with the president himself, who read my articles and wanted to talk. Okay, so I’ll admit I was nervous, anxious, worried, but also armed for bear in the event that he wanted to minimize the situation, but in fact, surprisingly, he was caring, open to suggestions, and transparent with regard to how Cleveland Clinic took over Martin Memorial North and South, and what he strived for going forward. I was impressed, and I’m not easily sold on lip service, but between him and the head of Patient Experiences, Karen Ludwig, who was also present, it was apparent that he knew and understood the frustrations the general public has been experiencing getting seen by a physician in a timely manner.

I have to give him credit. His information was forthcoming, addressing my concerns, sometimes even before I had

by Dr. Melfi, Ph.D.

the chance to list them. Also to his credit, he was young-ish, a physician himself, and has only been the president of the hospital for one year. In that year, he and Karen had an earful of complaints and they had plans to address all of them by way of hiring almost 60 new physicians, twice as many nurses, and ongoing training for those people on the front lines, who take the calls and make appointments. I was shocked, in a good way. He never tried to make excuses, nor did he make false promises. He said getting things turned around was not going to happen overnight, but he does strive to make this hospital the best it can possibly be, within a reasonable amount of time. He is there to speak with, to read emails, and to even give out his cell phone number (No, sorry, I can’t pass it along, lol) but from what I understand, he has done that frequently to others as well.

He loves this community, he loves this hospital, and he loves medicine. He is not one of those people who sits in their ivory tower, having no pulse on medical practices. He wants to do better, and promises he will do better, but this is what he has been handed, well, that, and the pandemic, which has seen the resignation of good nurses and doctors who no longer wish to expose themselves and their families to infection. I get

it. Much as I loved hospital nursing, I have asked myself many times if I had stayed in nursing, would I quit? I feel like the answer is a hard “no” but it’s easy to say from the sidelines, and not in the midst of potentially deadly chaos.

My point is this. He wants things to change, and he has ideas to change them, many of which it is not my place to share. I came in with a list of suggestions, but before I could get my ideas out of my mouth, he already verbalized them. We were on the same page! So, the bottom line is this.

For What it’s Worth, he’s young, he’s enthusiastic, he wants to make things better, and he wants Cleveland Clinic, Stuart, to be exactly what we all want it to be, a place we can trust with our very lives. Let’s be fair and give him time to get it together. If I was a gambler, I think I’d put my money on him.

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