Business

By Rita Sherwood “This is definitely a milestone to celebrate and I’m very proud of our entire team!” says owner Scott Lightsey. This locally-grown business started as a small golf cart service and repair shop in Fort Walton Beach. Before long, the business moved to Mountain Dr. in Destin to get...

By Meredith Freeman, Intern, Frances Roy Agency Interns can sometimes get a bad rap. Some show up to get their college credit and leave; others seem to never leave the break room. But with the right fit, interns can really be the best. I supposed I’m a little biased…I am...

By Scott Miller, Local Homeowner Freedom—ahhh, sweet freedom. As Americans we are blessed to enjoy freedom in many ways. These days there is certainly a lot of discussion on this topic and many points of view. Especially right now having just celebrated the 4th of July and being smack dab in...

By Chris Balzar, ECES What does R-value mean? R-value measures insulation’s resistance to heat flow. It can also be referred to as “thermal resistance.” The higher the R-value, the greater the insulating power. All materials having the same R-value, regardless of type, thickness, or weight are equal in insulating power....

By Matthew Vanderford Here’s something to think about: Picture in your mind your car alarm going off by itself for no reason. You grab your keys and hit the fob to make it stop……nothing. The alarm keeps going. So, you head outside, walk up to the car, open the door,...

By Greg D. Crosslin Planning for incapacity is an important aspect of Estate Planning. Estate Planning is more than just writing a Will or a Trust. Incapacity planning (IC) addresses what happens if you are unable to make medical decisions or handle your finances because of a medical condition. Although...

Timid Salespeople Have Skinny Children! By Gail Pelto An old adage which still rings true today is, “Your Net worth is equal to your Network.” Your business grows faster when you form relationships with people you know, like and trust and who know, like and trust you. They will be more...

By Victoria Ostrosky Sophie was decorating her new condo on the beach and noticed a lot of her new neighbors were using golf carts to tool around the complex. They looked like fun. “Good morning, Tom! It is Tom, right? I’m your new neighbor, Sophie.” “Welcome to the neighborhood!” said Tom....

By Maurice Stouse, Branch Manager and Financial Advisor When it comes to taxes and investing there are three ways that an investor might benefit: Tax deferral, tax deductible and tax-free investing. This article addresses tax free investing with focus on the Roth IRA in particular. First a recap of the other...

By Dave Saviola, Money Pastor “Therefore, everyone who hears these words of mine and puts them into practice is like a wise man who built his house on the rock. The rain came down, the streams rose, and the winds blew and beat against that house; yet it did not...