Tampa Financial Advisor

We understand the unique needs and challenges investors face who are retired or about to retire.

If you are looking for a great tampa wealth manager or tampa retirement planner schedule an appointment with us right away.

We understand the unique needs and challenges investors face who are retired or about to retire.

Through comprehensive planning, we can help you prioritize your goals and develop a strategy designed with the objective to protect and grow your retirement assets. Whether you are in the accumulation phase or have already retired, a sound strategy is critical to:

  • Working towards your retirement income needs, desires and expenses
  • Maintaining lifestyle choices and priorities
  • Striving to ensure that long-term goals and aspirations are funded for travel, healthcare, estate planning, charitable giving and other goals

We can help you develop a comprehensive plan to:

  • Identify and pursue your lifetime income goals
  • Manage taxes on income—now and during retirement
  • Evaluate the variables in your retirement plan to ensure alignment with your objectives
  • Retirement Income Planning
  • 401(k)/IRA Services
  • Traditional and Roth IRAs
  • SEP IRAs
  • 401(k)/403(b) Retirement Plans

FLORIDA RETIREMENT PLANNER

We are an Independent Asset Management and Retirement Planning Firm dedicated to helping Retiree’s live the retirement of their dreams by providing Unbiased Advice, Strategic Planning, and Smart Investment Strategies.

If you are looking for a great spring hill wealth manager or spring hill retirement planner schedule an appointment with us right away.

The Financial Planning Process & Investing process begins with a complimentary meeting to assess your current situation and to determine your financial goals.

Our Fiduciary Financial Planners incorporate all financial aspects of your life, developing a customized Retirement Analysis & plan.

Let Us help Identify the Strategic Opportunities available and provide the steps necessary to you achieve your desired outcomes.

Contact Us Today and we can connect you to our Tampa or Spring Hill Retirement Planner

Natural CBD OIL

Looking for an all natural alternative to NSAIDS for your pain relief? Consider hemp CBD supplements and topicals (applied to the skin). In June 2015, the FDA reviewed new safety information on prescription and OTC NSAIDS, and strengthened warning labels for non-aspirin nonsteroidal anti-inflammatory drugs (NSAIDS).

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The new safety information included observational studies, clinical trials, and other scientific publications. The warning labels were strengthened to reflect the new information such as:
- The risk of heart attack or stroke may increase with longer use of the NSAID.
- The risk increases with higher doses.
- As early as the first weeks of using an NSAID, the risk of heart attack or stroke can occur.
- There is an increased risk of heart failure with the use of NSAIDS.

An all natural alternative for pain relief, hemp CBD (cannabidiol), is a non-toxic, non-psychoactive, and beneficial compound found in cannabis. Research is showing empirical and subjective evidence of the benefits of cannabidiols (CBDs). NORML and ProjectCBD are two sources disclosing prior and recent publishings of empirical and subjective studies on the benefits and efficacy of CBDs. When it comes to aches and pains, as humans we all have our individual levels or thresholds of pain and discomfort. Subjective studies are showing that patients receiving large doses of CBDs are reporting relief of pain, discomfort, depression, and anxiety. Some patients report they’re experiencing relief at 10 mg of CBDs per dose, while others needed as much as 25, 50, or even 100 mg of CBD per dose to achieve relief. There is empirical evidence to support the subjective studies’ findings.

To clarify, cannabis is the genus of three species of plants, indica, sativa, and ruderalis. Cannabis sativa has two strains- hemp and cannabis sativa. Hemp is a strain of cannabis sativa that humans have cultivated and bred to have little to no THC (the psychoactive compound in cannabis), and has been used for food, fuel, medicine and fiber for thousands of years. Hemp and its compounds are legal in all 50 states and is why you can buy CBD-infused products in the United States. Cannabis sativa, however, is still illegal because of its high THC content. There is no difference in CBD from hemp vs CBD from cannabis sativa. Cannabis sativa is used for daytime because of its energizing and cerebral effects (like having a caffeine buzz) and will get you high due to the high amounts of THC, but hemp will not- because it has little to no THC. Indica dominant strains affects your physical body and is why some claim to get “couch lock”, you get so relaxed and high you can hardly move.

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If you’re looking for a hemp CBD product online, you want to go with the CBD-infused products. These infused products differ from casual hemp based products in that the non-infused products only contain the natural levels of CBD found in hemp oils which is substantially less than infused products contain. On the label, the infused products will include the actual amount of CBDs used. For instance, Earth Milk infuses 100 mg of hemp CBDs into every 2 oz. jar of its arnica salve or healing cream and it’s label lists the amount of CBDs infused as 100 mg.

In the wake of the FDA’s latest bombshell revelations, it makes sense that many people are beginning to consider an alternative to NSAIDS and the potential heart-related side effects. Hemp CBD-infused products are great all natural alternatives for pain management and effective supplements to optimize your lifestyle.

CBD for Dogs

Having a sick pet at home can be very stressful for their owners, as one spends all their time searching for the medicines and treatments for them. There are several treatments and medicines available, but it is not necessary that they will be effective on all kinds of dogs. Also, these medicines usually have a lot of side effects too which can lead to reduced functionality in a dog.

If you want to find some great CBD for Dogs or where to buy CBD for Dogs check out Zenimedpets.com for great pricing for Pet CBD products.


But in recent times, there is one medicine that is doing rounds in the pet world and that is CBD. There are several benefits of CBD on a pet’s health, especially it helps in promoting homeostasis which is important for balancing temperature and gives a therapeutic effect.

What is CBD?

Before understanding all the benefits of the best CBD treats for dogs, let’s know what CBD is. • CBD is cannabidiol and is extracted from the cannabis plant. • The species of the cannabis plant that is used to extract CBD is hemp. • There are several cannabinoids that can be extracted from the cannabis plant and this is one of them. • Cannabidiol will not get pet high. • Lower amounts of THC. • It is non-psychoactive in nature. • It has no known toxicity level, which means no overdose.

How does CBD help?

Every mammal has an endocannabinoid system which handles various processes like immunity, sleep cycle, memory and other functions of a body. Dogs also have the same endocannabinoid system which can interact with endocannabinoids which are released by the brain. But to supplement this supply of endocannabinoid from the brain, one can introduce it externally. This is why it is effective in dogs too, and one can use CBD oil for dogs without any side effects.

What are the benefits of the CBD?

There are several benefits of using CBD for dogs. Let’s list some of the very effective ones:

• Anti-inflammatory Cbd helps in evoking immune responses and that is why it can reduce any kind of inflammation. It can help in reducing pain caused due to any kind of arthritis, bowel irritation etc. • Pain-killer Cbd helps in stopping the absorption of anandamide, which is the natural pain killer. With increased levels of anandamide in blood it helps in reducing the pain sensations. • Anti-convulsant It helps in restoring abnormal working of neurons. Abnormal working of the neurons usually leads to seizures and tremors, thus CBD helps in reducing seizures. • Anti-anxiety CBD has an anti-anxiety effect and reduces stress and various phobias. Cbd targets serotonin receptors which helps in increasing the serotonin level which curbs any kind of anxiety and fear in all kinds of organisms and in this case dogs. • Anti-emetic CBD is helpful in controlling vomiting and nausea in dogs. As it is very common to have nausea while undergoing certain treatments like chemotherapy, CBD can help in this situation and also curb loss appetite. • Anti-cancer Malicious tumors are common in pets and it means the dog needs to undergo chemotherapy, which leads to various side-effects. Now it is proven that CBD also has anti-cancerous properties that it can slow the growth of the tumor and even reduce its size in some cases.


If you want to find some great CBD Oil for Pets or where to buy CBD Oil for Dogs check out Zenimedpets for great pricing for Pet CBD Oil.


All in all, one can say that CBD is a miracle medicine for pets all around. They show exemplary effectiveness among dogs in treating their problems which otherwise would take a lot of medicines and hours with a veterinary. So do not think before choosing the best CBD dog treats to help them in their health troubles. Dogs are gentle beings who need care and love, and the biggest thing is that they cannot tell you when they have any kind of problem. So if one can find a medicine which can treat several problems and not leave a bad side effect, then one can say it is a miracle for dog owners.

Understanding Reverse Mortgages

A reverse mortgage is one of many vehicles that individuals 62 years of age or older can use to turn the equity in their home into cash. It is very important, though, for an individual to fully understand reverse mortgages, their ramifications, and the alternatives. This article will provide an overview of reverse mortgages, as well as discuss alternatives.

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What is a Reverse Mortgage?

With a “normal” home loan you pay a monthly amount (principal and interest). With each month, the amount that you owe goes down and the equity in your home goes up. As one might expect from its name, a reverse mortgage works in an opposite fashion. With a reverse mortgage you can turn the equity in your home into cash. You do not have to make monthly payments. The cash may be paid to you in one or more of the following ways:

• As a single lump sum payment • As a regular monthly amount (a cash advance) • As a credit line account that you draw upon as needed

With a reverse mortgage, the homeowner continues to own their home and receives cash in whatever way is preferable to them. As they receive cash, their loan amount goes up, and the equity in their home declines. A reverse mortgage cannot grow to more than the amount of the equity of the house. In addition, a lender cannot seek payment of the loan from anything other than the value of the house.

A reverse mortgage, plus accrued interest, does eventually have to get paid back. Repayment of a reverse mortgage happens when the last owner of the property named on the loan either dies, sells the home, or permanently moves out of the home. Before then, nothing needs to be paid on the loan.

A reverse mortgage should not be confused with a home equity loan or home equity line, both of which are other means of obtaining money for the equity in your home. With either of these loan vehicles, an individual must pay at least monthly interest on the loan amount received, or amount that they have drawn on their equity line.

I have used Access Reverse Mortgage for my Florida Reverse Mortgage. Check out this reverse mortgage line of credit article on AccessReverseMortgage.com.

Alternatives to Reverse Mortgages

While usually an option that causes a negative emotional reaction, selling a home is an alternative to a reverse mortgage. The proceeds of the sale can be used to either rent, or purchase a smaller, more “age-friendly” home, while money leftover can be invested to provide additional income. This option should at least be considered and compared to a reverse mortgage so that an individual is making an informed decision.

Reverse Mortgage Counseling

Counseling is required in order to obtain certain types of reverse mortgages. Counseling is required before an individual can obtain a Federally-insured Home Equity Conversion Mortgages (HECMs). Even if counseling is not required for a particular reverse mortgage, individuals considering a reverse mortgage should seek either counseling or the advice of a qualified financial adviser.

The Status of Schools in Texas

How we educate high school students in the U.S. needs to change. Our high schools are no longer relevant to the needs of 21st century learners and the system must be restructured.

This restructuring will allow students to choose from a variety of new study options. The days of “one size fits all” for secondary education services are coming to a close – it is now about providing students with a “customized” course of study in their pursuit of a high school diploma. Students should have a choice among the traditional high school model, a community high-school model (a hybrid between traditional and online instruction), and an early-college model that will allow students to graduate with both a high school diploma and an Associate’s degree by taking a fifth year of high school.

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Central to all three high school study options, or combination of options, is an intensive focus on making each learner’s secondary school experience a successful one (particularly at the freshman level), and offering ubiquitous student access to the Internet both in school and at home (using a variety of mobile computing devices). A synopsis of each program option required in a restructured high school include:

Freshman Academy

Research has shown that the transition between middle and high school is one of the most difficult developmental challenges a person faces in life. Students who are not successful in 9th grade are six times more likely to drop out before completing high school compared to their peers.

Bring Your Own Device (BYOD)

Technology plays a large role in our students’ lives today. Personal devices can enhance and enrich learning opportunities both at home and at school. High schools today must be committed to allowing responsible, learning-centered use of personal devices at school so as to provide as many pathways to understanding and learning as possible for students.

Hybrid Community High School

The creation of a hybrid community high school, in addition to traditional high, merges traditional and online learning into one customizable secondary education program. This hybrid is particularly attractive to students who do not do well in the traditional high school setting, such students at-risk of academic failure, gifted students, or students who are just plain bored and need something different. This merger results in one, united flexible-program high school for “non-traditional” high school students who, for one reason or another, would prefer to complete many of their required credits online instead of in the classroom.

Early College Program

It is widely accepted that a majority of today’s jobs, eight or nine of every 10, require education beyond a high-school diploma. It is also known from U.S. Census data that most adults in the U.S. have not yet completed a two or four year degree. Although nearly 70% of high-school graduates start some college classes, only about 20% actually complete a degree. One significant problem today is that many students find that completing a college degree is difficult because of the many conflicting financial and time commitment priorities they face in today’s economy. A successful pathway to a college degree now requires a coordinated collaboration among high school, college, family, and community partners.

Summary

By rethinking how high school instruction is delivered, American secondary education can begin offering a truly customizable to its students. In so doing, we can produce high school and Associate’s degree graduates with a comprehensive set of critical thinking and tech-savvy skills that will serve our country well as these students compete for the new jobs in our global economy.