Top Legal and Financial Services in Jacksonville, FL
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Jacksonville Chrysler Jeep Dodge
By DwightCampbell December 20, 2018
Purchased a 2018 Jeep Wrangler 2 door Sport. The vehicle is great and my experience was phenomenal. I came in to browse the used care set on not buying a Wrangler for a few months.(I had been searching online for the right Wrangler and thinking about it for over 6 months) Norman Roussel brought me out and showed me what was on the lot, but also took the time to feel me out and find what I was looking for financially and the Jeep itself. Long story short, he brought me out to a blue Jeep that can only be described as "badass". It was the one, but I was very reluctant to buy and told Norman that it would not happen today. He said that was fine, but there is no harm in seeing what I have available. After Norman came to me with what they could do as far as financing and making the vehicle affordable without putting me in a bad place financially, I felt more comfortable and agreed to proceed. Norman really looked out for my interests and used his expertise to help me make my decision. And what a great decision!!! IT's been a week and no buyers remorse here! Also, I wanted to point out that Bill in finance was so friendly and easy to work with. He showed me all of the options that were available for me to protect me and my vehicle, and while I only accepted what I wanted (the gap and 100,000 powertrain) there were no smoke and mirrors that you hear about when buying a car. The dealership has a great professional and comfortable atmosphere that the leadership should be proud of. I have been in sales and working around dealerships for over 20+ years in Jacksonville and Charleston SC and this dealership is heads above the rest. (I managed an Enterprise on a dealership location for 5 years, so I know!) ...read more
Key Tax Group
By Rickey Lantier March 30, 2016
3/30/2016 they took $4500 from me and let the irs take my home and vehicle then just saying give them time.. the office manager Tim cursed me out in front of the lawyer and she acted like it was nothing.. been requesting my transcripts from them for the past year now and haven't received anything.. knew something was fishy when Kelly Gibson first called me at the beginning of my case and said if I left them a good review she would give me a gift card.... they are no good people , anyone interested in getting in a civil suit that will be filed against them please feel free to email me at lantierrickey@gmail.com ...read more
Acura of Orange Park
By CarlosRamos September 10, 2015
I'm definitely grateful for the service provide by Khalil Mercado and everyone involved! Thank you guys for the great attention and great customer service! You guys are the best! 👍 ...read more
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Are seniors denying themselves healthcare in retirement?
How many seniors deny themselves healthcare in retirement? As financial and retirement planners, we spend a great deal of time trying to educate our retiring and our retired clients on the health benefits in they must rely upon in retirement – Medicare, Medicare supplements, Medicare PPO (Medicare Plan C), Medicare Part D (the Drug plan) and retiree benefits that they may or may not have as a retirement benefit, depending upon their company. However, a recent family death caused me to come face to face with the fact that, despite our own best efforts, the efforts of the media, and the writings of financial planning industry as a whole, the vast majority of individuals – especially seniors – may not fully understand the health benefits that they have in retirement. This lack of full understanding may cause them to be too frugal with their health care, and they may deny themselves reasonable health care because of the fear of the cost they might bear. My own experience brought me face-to-face with this reality. Two weeks ago, my beloved grandmother passed away from a massive stroke. Unfortunately, her death was not instantaneous and, after an emergency airlift and 2 ambulance rides, she spent nearly a week in the intensive care unit of a regional hospital as a team of doctors and surgeons, in consultation with the family, tried to determine if she would survive. As my grandfather stood helplessly by her side as the medical team efficiently performed their duties, he also began to suffer heart palpitations and stroke symptoms and collapsed, having to be admitted to the hospital himself. Fortunately, his symptoms were not the result of a heart attack or stroke, but were instead symptoms of the immense stress he was understandably suffering by watching his bride of 69 years struggle for her life. After only two days, my grandfather was doing fine and his vitals were strong – but clearly he was still suffering from a great deal of anxiety, and was physically feeble from a “trick” knee that had bothered him for several years. As I and other members of the family spoke with him – it became clear to us that a part of his stress was tied to worrying about how they would survive – financially – after paying all of the astronomical medical bills that my grandmother was accruing. Not only was he worrying about my grandmother’s survival in the hospital – but as the medical professionals detailed the months of rehabilitation that would be necessary IF she survived… he was internalizing the question, “How can I pay for all of this?? We will lose everything – the house, our savings… everything.” Now, my grandfather retired twenty years ago from a company that provided him retiree health benefits – so, in his mind, he didn’t have Medicare. Up to this moment, most of their medical bills were reasonable, so he had always had some sort of a co-pay or cost-share that had to come out of his pocket whenever they went to the doctor. The co-pays were not particularly significant - $25 here, $50 there, and $100 once in a while as they experienced minor aches and pains and so on. In fact, I’m not even sure that he analyzed the medical bills closely – seeing the “insurance discounts” that were outlined on the bill, and seeing the amounts that the insurance covered. In his mind, he just paid whatever the bill said for him to pay in the “Pay this amount” box, and that was that. However, knowing that within only a few days my grandmother’s medical bills were already well into the hundreds of thousands of dollars, he assumed that the insurance had “run out” and he would be left with the responsibility to pay for the remainder of the bills. A quick examination of his health insurance card – which was issued by a major health insurance company, quickly resolved the issue – at least in my mind. In the upper right corner of the card was printed, in small black letters, the words “Medicare PPO.” From my experience in the financial services industry, I immediately knew that my grandparents were covered by Medicare Plan C – a subcontracted health insurance scheme that not only complies with Medicare, but also provides the coverage of Medicare Plan A, Plan B, and a Medicare Supplement – all in one. He had a superb plan of coverage, with reasonable co-pays, and a maximum out of pocket cost of $1500 annually, which he could easily afford. A quick phone call to the insurance company, some pointed questions with him on the line, and drawing a diagram on a piece of paper showing the deductible, co-pays, and maximum out of pocket cost on a linear scale, set his mind at ease. After a few moments, he realized that he would not lose their life savings and their house trying to pay for the medical care that might be able to save my grandmother’s life. With those worries entirely wiped away, he was able to concentrate ONLY on being there for my grandmother and being fully present – for better or worse – in the final days of her life. I could literally see the relief in his face, and the burden of worry lift from his shoulders. This experience, however, raised questions in my mind. For nearly a decade now, my grandfather has struggled with knee pain and it has progressed to the point where he must walk with a cane and can only take very small steps. This problem has caused pain in his hips and his other knee, and now he is bent over sideways from favoring his left knee. Was there a time in the past where he could have had a knee replacement, or alternative therapies – that he chose not to receive, because of a fear of the cost? What about other types of care? How many activities had my grandparents missed out on because of his physical limitations that could have been corrected – all because they did not maintain their health because of a fear of the cost? Unfortunately, I may never know the answer. Seniors are accustomed to paying something for health care or drugs- and may automatically assume that what they are paying is the entire cost – when, in fact, they may be receiving significant discounts with their Medicare, insurance, or prescription drug coverage. When they hear about the high costs of medical care – they may assume that it is they, and not their insurance, which has to bear the entirety of that cost – and as a result deny themselves care which may eventually cause injury or even death. I suppose the moral of the story is for us – as financial advisors – and for everyone who has senior and elderly friends and family for whom we care deeply – not to assume that they fully understand the health care protection that they have. In my firm, we call this a GLOF – a Gross Leap of Faith that someone understands something which they may not. The elderly – especially those who grew up in the depression – are generally known for being private people who don’t like to talk about money. It may take some tactful prying… but it might save a life. Find out if they understand how their coverages work. Explore the costs of care with them, and ask “What do you think of that?” You just might save a life. ...read more
By Paragon Wealth Strategies April 27, 2015
David V Andrews, Attorney at Law
By David V. Andrews November 24, 2014
St. Johns Investment Management Company LLC
Contact us at (877) 859-2125 in Jacksonville, FL, to learn more about our investment company. 7915 Baymeadows Way, Suite 230, Jacksonville, FL 32256 Phone: 9043797903 Contact Email: wolf@stjohnsinv.com ...read more
By St. Johns Investment Management Company, LLC July 18, 2014