Slow Down to Do More

Do Less, To Do More

Quarantined… we were counting the days.  Now weeks.  Most of us have slowed down, whether we like it or not.

No school, no spring break, no eating out, no sports (kids or professional), our days consist of working from home and more time with the family.  Some have been laid off, some have tested positive for COVID-19, some have panicked, we have seen the stock market sell off, parents are becoming homeschool teachers.  And all of us have felt the impact of this trial.  In many parts of our lives, we are being forced to slow down from our busy schedules.  However, there is hope in all these changes! 

Slow Down and Get Better Results

Running has always been a stress reliever for me- now more than ever.  When I trained at OSU, we did high intensity intervals for speed.  Now, I train a bit slower which can be better.  In training, if you hit certain target heart beats per minute (bpm) you can accomplish certain goals.  For example, running at a slower pace and thus lower bpm, you can burn fat more efficiently.  Doing less is doing more- slowing down can get better results.

I want to go fast in running, in life, work- and our schedules usually keep it that way.  Although, in all we face currently, there is something freeing in our schedules being cleared.  I call much of the last two weeks and likely many to come as “built in family time”.  More breakfast, brunch, “linner” (to feed the tapeworms), dinner, family walks/workouts, games, exploring our yard and movie nights.  I even predict there will be an explosion of births 9 months from now (not for us!).  We are being taken back to what really matters. 

We are being forced to focus on our faith, family, friends.

Is this easy?  Nope- I am first to admit.  Is it worth it and meaningful?  Absolutely!  I have seen neighbors in the past few weeks I never knew existed.  People are walking their dogs, working out and chatting at a 6 foot minimum distance.  Parents are out playing with their kids.  Tackling my to do list has been nice.  My neighbor nailed it when he said “this spring, yards will never have looked so good”.   We all are choosing to “make lemonade”.

Don’t waste the opportunities to slow down and get better in this time of lockdown.

Things to consider in keeping active- spiritually, physically, mentally and socially….

• Keep a schedule, develop a routine.

• Pray.

• Exercise.

• This is a chance to read those books.

• Work on your business not just work in your business.  In what ways can you improve and better serve associates, clients, customers better?

• Miss sports?  Stream the greatest sporting events from YouTube for your kids to experience.  We watched the 1998 NBA finals Bulls vs Jazz the other night.

• Prepare yourself for a career change or new entrepreneurial adventure.

• Spend more time with your loved ones, even if over facetime.

• 100 things to do during a pandemic

  We continue to update financial plans and rebalance accounts as appropriate.  What has your attention and is on your mind?  Shoot me an email or give me a call, I am always available to discuss!

Luke Fields, CFP® 

New staff announcement

Today is a news day at Foley & Foley and we wanted to share with you recent staff changes at our office.  Regrettably, JoAnn McCarthy is no longer with us.  Her husband accepted a corporate relocation this summer to Florida, and she will be joining him there shortly.  We appreciate and thank her for her years of service and hard work.  We wish her well!

On a good note, we were fortunate to have Lisa Stoneburner, Assistant to the Financial Planners, join our team.  She has many years of customer service, and is available for all your questions and calls.  She can be reached at 614-431-4310 x104 or Lisa.stoneburner@raymondjames.com.  We hope you take a minute to welcome her to our office and introduce yourself at your next appointment.  

Lisa is the front line for customer service at Foley & Foley.  A keen eye to every detail, she supports the firm’s Financial Advisors with the preparation of forms, and handling of client transactions and requests.  If you have a question regarding a transaction, Lisa will ensure that your experience is positive, professional and timely handled.

Prior to joining us, Lisa had over 25 years in corporate banking and held various positions within the corporate trust and credit card divisions at several major banking institutions.  She holds a degree in Business from Bowling Green State University.

When not in the office, Lisa is a sports enthusiast with strong allegiances to the Buckeyes and the UNC Tarheels.  She enjoys reading, traveling and spending time with her family and friends.  Lisa resides in Blacklick with her son, Zach, a pharmacy major at the University of Findlay.  

It is our continued pleasure and honor to serve your family to help you reach your goals.  Thank you for your trust in us.

Foley and Foley Wealth Strategies

Open House THANK YOU!

…for making our holiday Open House so enjoyable!

The staff and patients at Grace Clinic sincerely

Appreciate your generous donations.

The smiles and expressions of gratitude

from the patients were heartwarming.

Many families were better prepared for the frigid cold

because you gave.

Our Favorites of the Year 2016

When I was in my early 20s, I remember being told by someone older… “you know, the older you get, the faster time goes by”.  I admit thinking they were a little crazy, however I now fully agree with them since many years have passed.  This year has been like “light-speed”.

Optimism is typically amplified as we celebrate Christmas and the holidays and we look to turn the calendar into a New Year.  This year is no different; 2017 seems to be about change.  

The year 2016 was a year of swings and surprises no less.  2016 had a poor investment start and outlook with the markets down nearly 11% by mid-Feb, only to swing up sharply to be even by mid-March (S&P 500), a month later.  This dramatic move in the market not surprisingly coincided with oil’s rebound from its February low.  Afterwards the markets positive momentum continued.  Then there was June’s “Brexit” vote in the U.K. which was a surprise to the pundits and pollsters alike.

And of course the U.S. Presidential election was the biggest surprise of the year; the pollsters, the “wall street insiders” and even Vegas all got it wrong. 

The expected change with a new administration concerns some and excites others.  The market has shown its excitement based on Trump’s focus on two main campaign components;

1) a large infrastructure spending program estimated at $1 Trillion, which all agree is expensive but much needed for our country’s ailing bridges, roads and logistics (both Clinton and Trump proposed)

2) the likelihood of tax reform consisting of possible IRS simplification, personal tax bracket reductions and the most heralded- corporate tax cuts from 35% to 15%.

We won’t try to predict the market or events to come in 2017, since no one really knows but we can say it will be another year of change (as every year is). 

It is essential to realize though, that change requires an intentional, planned out approach to your family’s goals, financial plan and resulting investment strategy.  Foley and Foley Wealth Strategies delivers just this with an adaptive and clear approach through the uncertainty any year can bring.  Reach out and let us assist your family.

In case you missed a blog post this year, here is a list of our favorite posts for our firm in 2016.

Financial Planning is Not 

Values=Goals.  Do yours align?

Are you a Control Freak?  Focus on what matters. 

Volatility in the Market, what is that?  It is not a bad word.

The Problem with Legacy.  Why it starts today and not when you die. 

Imprinting (on others)  

Staying Safe Online (9 ways) 

And Finally... We are still celebrating 35 years of serving our clients!!   

To a well-planned 2017!

Luke Fields, CFP®

The S&P 500 is an unmanaged index of 500 widely held stocks that is generally considered representative of the U.S. stock market.  Inclusion of these indexes is for illustrative purposes only.  Keep in mind that individuals cannot invest directly in any index, and index performance does not include transaction costs or other fees, which will affect actual investment performance.  Individual investor’s results will vary.  Past performance does not guarantee future results.  Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James. Expressions of opinion are as of this date and are subject to change without notice.

The Vote Against...Elections and your Portfolio

Elections have a way of revealing the true state of American politics.  I think many have known it was in a sad, poor state but we didn’t have a concrete point in time to say, yep this is really bad.  Until now.   Currently, we find ourselves asking, “are these the best candidates we can offer?”

It is the first election when more than 50% of voters are voting “against the other candidate” rather than for the one they will actually “pull the lever” (Pew Research).

How Elections Impact the Stock Market

In looking at history here is what we know.

Volatility in the stock market always increases heading into and exiting a presidential election.  We know that the stock market hates uncertainty, and uncertainty is exactly what you get in a polarizing election that has very different candidate policies.  Volatility is normal in the stock market but is heightened when emotions, worry and policy concerns influence trading.  While it is normal to be concerned, it is not wise to make drastic changes to your financial plan.

12 months after an Election the markets are usually not impacted.  There is an old saying that “the market always climbs a wall of worry”.  Although there are no guarantees longer term, it is impressive looking at this chart of the many various worries and concerns that the market has climbed.

The market likes political “grid-lock”, and it is likely to be so after this election.
“Grid-lock” between the Executive and Legislative offices- Congress/House provides some certainty on likely policies and helps prevent dramatic policy swings.  Large policy shifts or swings would occur without grid-lock, actually causing more uncertainty in that current political cycle and then also in the following election cycle as the Pendulum historically looks to sweep to the opposite side of the spectrum.

Business and citizen spending has the greatest impact on the economy. 
In the United States, 82.4% of GDP comes from sources other than the government.  The president doesn’t have to be popular or have a high approval rating for a healthy stock market.  Historically, the market has performed well when approval is in the 35-50% range.

Making a move to Cash is “Timing the Market”.  Study after study has shown that trying to time the market is a futile exercise and missing just a few of the best days in the market can dramatically impact your long term returns.  Refer to the chart above where the market climbs a wall of worry and this one below.

A long term financial plan is your best bet.
Whether it is worry over an election causing increased market swings or clear goals you want to accomplish financially… either way it is best to stick to your financial plan.  Focus on the things you can control inside of your plan such as your goals you have set for yourself, your personal spending, how much you regularly save and the risk you are comfortable with in your portfolio.

To the Freedom to Vote For…or Against,

Luke Fields, CFP®

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James. Expressions of opinion are as of this date and are subject to change without notice. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance may not be indicative of future results. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investing involves risk and you may incur a profit or loss regardless of strategy selected. There is no guarantee that any statements, opinions or forecasts provided herein will prove to be correct.

How to Build Credit...When You Have None.

So you want to build credit but have no credit history?  You have no credit history and can’t get a credit card.  How do you build credit? I have heard this question several times recently, so I wanted to provide some advice.  Pass this on to your kids, grandkids and friends if you have already begun your own credit journey.

Why You Want Good Credit

Think of credit as the trustworthiness that a lender has in you to repay them.  Would you loan money to someone you didn’t trust?  Probably not.  FICO (Fair Isaac Company) started in 1956 to provide a numeric measure of a person’s credit worthiness.  If you want to someday buy a car, a house to call your own or get a loan to start an entrepreneurial business, you likely will need money.  If you have a history of responsibly paying back your credit on time and in full, it is much more likely you can get the money you need.  If your FICO score is high, considered good or excellent (720+), you will enjoy the lowest interest rates and terms for your loan.

The Credit Rules to Live By

Only use credit cards or get loans for items that:

1)    You actually Need.  “Need” meaning items that you would buy with cash anyways; gas, groceries, utility bills and if still in school/grad, then tuition, fees, etc.

2)   You have the cash in the bank to pay for what is charged on the credit card or the loan payments you owe.  My kids know this one… Cards can be convenient but you only can buy want you can afford.  You owe what you “swipe”.

3)   You can pay in full, 100%, on time and every month.  This is the single most important factor in building credit and a high FICO score.  It will also save you from paying high interest rate charges and fees.

Ways You Can Start Building Credit

•  Open your first starter Credit Card.  Visa, American Express, etc. Many of these companies offer “student” credit cards if you are still in school or grad school.

•  Get a Gas card.  Shell, Conoco, Exxon, etc.  Remember, this is only for what you need and would buy anyways- gas to get to work or school… not beef jerky and gum inside the “quickie-mart”.

• Become an “Authorized User” on someone else’s credit card.  A Family member may allow you to do this, but hopefully with a watchful eye.  This will help you build credit but beware to them; you are not legally obligated to pay for charges.

• Be a Co-signer on a loan.  Need a car?  Well those (affordable) car payments, paid in full and on time can build credit.  Again, the main signer for the loan is legally obligated.

• Get Credit for the Rent you already Pay.  Check out rent reporting services such as Rental Kharma and RentTrack.  This will usually help build credit but not all credit scores take this into account.

What’s the best card?

It really depends. Check out WalletHub to review their top picks.

 A few tips though.  Typically it is best to avoid a card with an annual fee, however a low annual fee may be okay if you can pair building your credit with receiving reward points that you will benefit from, such as cash back, flexible point systems or airline mileage cards if you plan to travel often.   If you are unable to obtain one of these traditional cards, you may need to start with a “secured card”, where you place a security deposit on the card.

Another tip: Check your Credit Report and Scores regularly.  You are entitled to one free report every 12 months from each of the three credit bureaus, Experian, TransUnion and Equifax.  So that is 3 free each year.  Go to AnnualCreditReport.com to check your credit score.

Further questions about how to build credit or credit in general?  Explore Experian’s site (one of credit agencies) or shoot me an email anytime. Luke.fields@raymondjames.com

To Wise Credit Use,

Luke Fields, CFP®

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James, and are subject to change without notice. Information provided is general in nature. Past performance is not indicative of future results. Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website's users and/or members.

Accidents Happen

Accidents Happen.

And it’s impossible to prepare for all of life’s unfortunate detours, but we still try.

At Foley & Foley Wealth Strategies, we don’t like to dwell on bad situations but it’s also our job to help you prepare for the unexpected.

The nice weather has us thinking about the upcoming travel season, more people on the highways, road trips, etc.  The last thing anyone considers is the possibility of a car accident, which could be inconvenient to say the least, devastating at its worst.

The Ohio BMV, Department of Public Safety, has made it simple for you to prepare for such an incident.   Simply register your ‘Next of Kin / Emergency Contact Information at http://www.bmv.ohio.gov/dl-other-next-kin.aspx  or complete the form and mail it to the address indicated. 

By registering your information, you can be assured that your family will be notified immediately if you are ever in a car accident.

It’s not fun to think about, and hopefully won’t happen.   But getting the help and assistance you need from family can add life-saving time to a potentially serious situation.

Be safe,

Luke Fields, CFP®

Financial Planning is NOT...

Financial Planning is NOT...

I met with a great couple the other day.  As we chatted, I asked if they had a financial plan- “ah yes, we think we do….” was their answer, so that means no.  We discussed some additional items and it became even more clear that their investments, insurance and current advisor were not coordinated and planned out well. I see this again and again with many prospective clients regardless of their age and their net worth.  It is a common problem and it frustrates me.  This is not their fault and I don’t blame them one bit.  After all, how are they to know? It is one thing if a person knows that they have “some investments” that a stock broker, registered representative or insurance agent placed them into (or worse yet, sold them).  Their expectations are correct that it is simply an investment relationship. However, it’s another thing if people believe they are getting more service, like a “financial plan”.  In reality they are majorly under-served while likely overpaying and worst yet headed down a dangerous path.  Let me explain.

Financial planning is NOT a 1x event.   A financial plan is a living, breathing plan that updates with the twists of life and the many different stages you encounter.  It is an ongoing process.  It is online and readily available to review.

Financial planning is NOT a product, investment or stock that you buy.  These should be seen as the potential vehicles for your unique situation (if appropriate) to make your plan work correctly, not the miracle cure (since the “last thing we tried didn’t work”).

Financial planning is NOT a vague ideal or attitude such as, “save as much as you can and we will figure out what you can do down the road.”  Sadly, I have heard of other so called “advisors” saying things like that.  Here is the truth… financial planning is rooted in your goals and what is truly important to you!

Financial planning is NOT a huge stack of papers that lists of 15 things to immediately do (mostly on your own).  Good planning is accomplished in a modular method, one manageable step (or two) at a time.  This is realistic.

Financial planning is NOT a quick or easy strategy.  It takes expert advice, patience and good habits over time to reach success.  You need a qualified and competent advisor to help you realize your goals.

Remember a good and useful financial plan starts with what you value.  What you value should naturally direct your goals.  And your goals then dictate what investment, insurance, tax, estate methods we use to help you achieve success in your plan.

To your Financial Plan,

Luke Fields, CFP®

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James.  Expressions of opinion area as of this date and are subject to change without notice.

Sketches are courtesy of BehaviorGap

Who Will Get Your Money?

It is important to save and plan ahead.  We all probably agree on that.  When it is all said and done, “you can’t take it with you.”  So who will get your money someday?

Lucky Dog

In recent years there have been stories of wealthy individuals leaving significant money, even fortunes to pets.  That may not be your idea of how you want to leave a legacy, but these individuals planned well to make their desires happen.  One of the more famous stories is of Leona Helmsely, a successful businesswoman who left $12 million to her dog, Trouble.  There is also a story of a German countess, Karlotta Liebenstein, who in 1992 left $80 million to her German shepherd Gunther III and allowed in her legal documents for the money to pass to her dog’s offspring.  With good investing by the managers, Gunther IV is now enjoying an estate of $372 million.  Wow. 

When you pass, your money should go to those you intend to inherit your estate, whether family, friends, charitable organizations or even a pet, if you wish.  Proactive planning is required to ensure your wishes are accurately fulfilled.

6 Common Beneficiary Mistakes to Avoid

1.)    Not Naming a Beneficiary or Listing your Estate.   If no beneficiary is listed, it goes to probate.  If you list your Estate, it goes to probate.  This is completely avoidable. These mistakes would prevent your spouse or kids from being able to use what is called a “Stretch” IRA, where the beneficiary can spread payments over their lifetime; which typically reduces taxes paid and can increase the potential growth of the assets.  It is almost always best to avoid Probate.  Many courts will take a year or longer to finalize the estate, attorney fees will mount and there will be a delay in the beneficiaries receiving the assets.

It is almost always best to avoid Probate

2.)    Not Listing a Contingent Beneficiary.   What happens if you are killed in a car accident with your spouse, who typically is the Primary Beneficiary?  Hello Probate Court again.   You need to have Contingent or what I call “next in line” beneficiaries listed; typically these are your children (possibly grandchildren or a charitable organization if you don’t have children).

3.)    Failing to Keep Forms Up-To-Date.   Unfortunately, there are cases where ex-spouses have inherited accounts because beneficiary forms were not updated.  As well, possibly other previous named beneficiaries have passed away or a relationship has significantly changed.  If you are re-married you will want to decide how to handle your assets if you were to pass away.  Your new spouse will need to sign a consent form if your assets are intended to go to your children directly.  Additionally, you may need to setup a Trust if you desire for your new spouse to be supported by your assets if they survive you, and then have the money transferred to your own kids.  We have seen cases where the money goes to the surviving spouses (2nd marriage) own children, not the intended biological children of the 1st spouse to pass.  It can get ugly.  I can refer you to great Estate Planning attorneys for these needs.

         Beneficiary forms override your will   

4.)    Failing to List Beneficiaries On ALL Your Accounts.   Does your 401k or 403b at work have listed beneficiaries, and have they been updated?  Your IRAs, Roth IRAs, joint investment brokerage account(s), insurance and even your bank accounts should have beneficiaries listed.  This will avoid Probate and give your beneficiaries quicker access to the assets.  A Transfer on Death (TOD) can be used for joint investment accounts and a Payable of Death (POD) is used for bank accounts.  Too often we see new clients and prospects come into our firm with beneficiaries listed incorrectly on their accounts.

5.)    Naming a Minor as Beneficiary.   It is questionable if many adults are even responsible enough to handle suddenly inheriting significant amounts of money… so how about your teenager?  Although it is good to have your kids named as contingent beneficiaries it can cause problems.  Financial control is often a concern- some beneficiaries will always raise concerns and/or there are often very specific wishes that someone will want carried out upon their death.  This again is an example of where speaking to an attorney is wise and using a Trust can assist in this situation.

1.)    Forgetting to Choose a Guardian.  You’ve named the beneficiary and determined what financial control you wish to put in place and even designated who is the Trustee of the assets.  But did you name a caretaker of your minor children (or the grandchildren you care for)?   This is vital.  Would you rather the court appoint a guardian for your kids or you choose..?  I think we know the answer to that one.

So, WHO Will Get Your Money?

These mistakes are simple to avoid and it is obvious why you should take action.  However, too often I find that people put off these critical and basic estate planning steps.  It is also common for people to forget to update and adjust beneficiaries as life changes.  This is even true for many people who are working with “financial advisors” out there.  Estate planning is a critical process that our firm incorporates into our client services.  If you are unsure of whom your beneficiaries are or would like to discuss some ideas, please reach out to our office.

To Your Financial Planning Success,

Luke Fields, CFP®

luke.fields@raymondjames
877.854.0936

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James.  Expressions of opinion are as of this date and are subject to change without notice.

Do You Dream?

STEWARDSHIP CENTS NEWSLETTER

How Big Are Your Dreams?

Recently, I was chatting with a CPA about helping clients reach their goals.  He shared that he often sees people that need to be pushed to not just dream, but to dream bigger.  I completely agree.  So, why do so many of us fail to dream?  I think it is because many of us lack clear goals and a planned direction on how to move forward.   Too often we settle for where we find ourselves or don’t realize the potential ahead of us.  We need to dream big!

Last month I asked all of us to consider three simple questions:

1.  What do I value?

2.  What is most important to me?

3.  How does this change my life and goals?

Thank you for the feedback I received from many of you; I am glad these questions were thought provoking.  Answering these questions helps determine what is most important to you.   This is critical because what is important to you is the starting point to setting your goals. 

The next common problem is what I opened this discussion with… how big do you dream?  Often I find when people have done the work and identified important goals, they still hit a wall in their progress to achieve them.

1.      Some people need to dream bigger.

2.       Some people need to be realistic (this is more rare).

3.       Some people have dreamed BIG- but have no idea how to accomplish their goals.

All of these situations require discussion, for us to be either “pushed forward” to go bigger in our dreams or “pulled back” to start at more realistic goal levels.  So how do you accomplish the dreams you have?  Do you randomly pick steps, do you pick the easiest or most likely result you know you can achieve or do you set a goal that will stretch you?

Planning Gives You Direction

Significant dialogue with yourself and your spouse is required to move ahead with success.  Who is helping you set goals, encouraging you to dream and providing a plan of direction?

Here is where a professional, holistic financial advisor can guide you thru the stages: discovery of what you truly value, setting realistic goals, dreaming of the potential and then developing a comprehensive plan to work towards achieving your dreams.

To Your Financial Goals and Dreams,

Luke Fields, CFP®

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James.  Expressions of opinion are as of this date and are subject to change without notice.

This material is being provided for information purposes only and is not a complete description, nor is it a recommendation.

Did You Know You NEED This?

STEWARDSHIP CENTS NEWSLETTER

Did You Know You NEED This?

The start of school is usually a harsh wake up call, at least for my family.  Leaving my house for work a few days before the first day was to begin, I thought to myself… “it is time for a routine again”.   It seems the flexibility that summer break offers is a “double edged sword.”  Although being out of school is a nice break from the normal school-week-grind for kids (and parents too… no packed lunches or crazy schedules), it also offers little to no structure… or routine.  If you are a grandparent reading this, you remember this, right?

Now don’t get me wrong, it is wonderful to not have a schedule some days or for a short period of time, but after a while it can become disruptive.  My kids wouldn’t admit it but they were ready for school.  They just didn’t know it.

Why We ALL Need Routines

Most adults also don’t realize the need for a routine or process in their lives.  Routines are good across the spectrum of our daily lives from eating, working, exercising to what time we go to bed.  There are numerous physical health, mental well-being and productivity reasons for any routine we take on.  Some routines are rather thoughtless; think brushing your teeth.  You can do it half asleep reasonably well.   Other routines are specific processes that allow us to focus on important subjects.  For example, driving a car has a certain process to drive safely and grocery shopping has a certain process to buy everything you need.  Processes that come from routines allow us to think deeply and focus on important tasks.  Do you have a process for your finances?  Having a routine for your financial plan is vital.

What Is Your Routine?

Do you have a process for a financial plan; saving the correct amount of money in the right places, monitoring your progress to reach your goals and making necessary adjustments to your plans?

Specific processes we use at our firm (our routines) allow us to help you establish life goals, create an actual life financial plan, determine an appropriate investment approach and then regularly monitor results.  The routines we utilize help us provide you direction, prevent us from forgetting important planning items, allow us to focus on the big picture of you and your goals, helps reduce the emotional response when markets get volatile and provide an overall discipline to stick with the plan.  Our processes even keep us on track to regularly meet face to face with clients.  Does your advisor do all these things?  Are you walking thru life without a professional and qualified financial advisor?

Let us know how we can help you with your financial life plan.

Luke Fields, CFP®

luke.fields@raymondjames.com
877.854.0936

Any opinions are those of Luke Fields and not necessarily those of RJFS or Raymond James.  Expressions of opinion are as of this date and are subject to change without notice.