T5-Vero Beach Living-Vol.561

RUSS MONTGOMERY, NBC-HIS

Russ Montgomery’s true passion is helping the hearing impaired. Russ started 38 years ago making hearing aids for the manufacturer. But that just wasn’t enough for him he had to bring his expertise and his love for helping people into the hearing aid of ce. Russ Montgomery is Nationally board-certi ed and is recognized as one of the most technologically advanced specialists in his eld. You certainly owe it to yourself to schedule a free consultation and hearing evaluation with Mr. Montgomery. You won’t be disappointed.

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.

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Small businesses make up 99% of all businesses in FL. What would happen to your business if you got sick? •

RJG Professional Contracting Services, Inc.: We Build Relationships

By Gina Zuk

When it comes to the design and construction of your commercial project, nothing should be taken for granted. With over 30 years of providing impeccable architectural and general contracting services, RJG Professional Services takes a different approach than the status quo.

RJG Professional Services embraces change, but realizes the importance of innovation, professionalism, and building solid personal relationships within the community. Principal owner and Architect, Ronald J. Goodstein, along with his professional team, which includes his wife Ronnie and Managing Partner John Burgess, provide an all-inclusive commercial architectural and construction experience that has earned a reputation for excellence.

RJG Professional Services manages complete commercial construction, renovations, and storm damage repair projects from conception to completion. When planning a project, it is essential to select an Architect who not only has a proven track record, but also possesses 100% dedication to your building or remodeling plans. The team at RJG Professional Services understands that “peace of mind” is very important when undertaking construction and remodeling projects. For this reason, RJG Professional Services is always available to provide a business owner, restaurant owner, hospital, religious establishment, or condominium association with the proper guidance and support, no matter how big or small the undertaking. The experienced experts are with you every step of the way, beginning with a complimentary consultation and ending with a beautifully-designed and nished project.

EDUCATION, EXPERIENCE, & EXPERTISE

Ronald has a Bachelor of Science degree in Architecture from the premier Pratt Institute in New York, as well as a Master of Science degree in City and Regional Planning. While residing in New York, Ronald had the opportunity

to design and implement downtown developments, restaurants, and even a ritual bathhouse. He explains, “I was very fortunate to work for a very busy and diverse [architectural] rm when I started.”

Ronald is unique in that he is an expert in zoning, code analysis, and structural design. He can develop 3-dimensional designs for plumbing, roo ng, ooring, HVAC, mechanical structures, and even interior design planning. Ronnie explains, “When we submit plans to a building department, they are complete.” Indeed, the architectural plans from RJG are all completed by Ronald himself, and nothing is ever sent to an outside source.

Ronald’s education and experience have allowed him to continue his education and acquire over a dozen licenses and certi cations in Florida, Georgia, Texas, and North Carolina. Included in this extensive list of licenses is Ronald’s Leadership in Energy and Environmental Design (LEED) certi cation, which is the most widelyrecognized building sustainability credential for Architects, project developers, homeowners, and interior designers. Ronald explains, “Architectural and design certi cations are only available to people who have extensive experience in the eld.”

Beginning on the residential side, RJG evolved into a successful commercial and industrial rm. In 2004, Ronald and Ronnie relocated their family-owned business to South Florida. Today, they continue to offer their professional services to clients throughout the state of Florida who are in need of new construction or renovations with a commercial storm-related project. While working in the architectural sector of disaster relief projects in South Florida, Ronnie and Ronald teamed up with John Burgess.

John has a background in the insurance industry as a large loss adjuster for multiple insurance companies. With John as part of the RJG team, he will handle matters for business owners after any unfortunate

storm-related occurrence, such as clean-up efforts, gathering evidence for claims, acquiring estimates, and communicating with insurance adjusters to help rebuild, restore, or upgrade a business establishment after a disaster.

FROM A DREAM TO A REALITY

Ronald, Ronnie, and John are located in a 1,500 sq. ft. of ce space, where they invite their clients to meet with them for an initial complimentary consultation. The free consultation involves a project scope and sequence. “We like to meet with the client face to face, talk to them, and get an idea of what they envision,” says Ronnie.

Ronald likes to provide his clients with site planning details so that the client can begin planning for the nancial aspects of the project. Prior to construction, the team will consult with the client again to determine the project requirements and prepare schematic design studies. The main design requirements of the schematic design phase may include written project programs, the preparation of schematic design studies, and probable project costs. Once approval of these nal construction documents is given, RJG will assist the client in obtaining proposals from quali ed contractors. Ronald and the team at RJG will then evaluate these proposals and advise clients in the selection of their contractor. As the project gets underway, RJG Professional Services is your project manager, and will oversee every possible parameter until the nished product is completed, including construction management, construction scheduling, construction inspection, cost consulting, and equipment installations. For their clients, RJG will also review all submittals, requests for payment, and other administrative duties that are required for a successful project.

The small, but experienced and professional staff at RJG Professional Services takes complete ownership of their projects. When it comes to project management, Ronald and John oversee and manage all of the details and arrive at quick, creative solutions if any problems occur. “We are on the spot with resolutions of eld conditions. No time wasted,” assures Ronald.

Don’t compromise when it comes to the design and construction of your commercial dream!

LICENSED

Call RJG Professional Services today and see for yourself why they shine in the industry! RJG Professional Services is located at 4301 High Meadow Avenue in Palm City. To schedule a complimentary consultation, call 772-210-7048, email: john@rjgprofessionalservices.com, or visit rjgprofessionalservices.com.