Storm clouds can form on your financial horizon at any time—are you truly prepared to weather the next crisis?
Discover the secrets to resilience, clarity, and action when financial uncertainty strikes—without feeling overwhelmed or lost.
In this episode, April Schoen walks you through the essential steps to weather any financial storm, blending real-world advice, proven frameworks, and a calming approach—even when life throws unexpected curveballs.
You’ll discover…
Why “financial storms” aren’t just market crashes—and how to spot their earliest warning signs
The real reason most people struggle financially (it’s not bad decisions)
How to build an emergency fund that works for your unique situation—not just a generic rule of thumb
When sticking to your investment strategy is the right move—and when it’s time to make tweaks
The step-by-step financial “hurricane prep kit” you need before a crisis ever hits
Mentioned in this episode:
Book a complimentary focus session: call 850-562-3000
Transcript:
April Schoen: Hello and welcome. My name is April Schoen, and I'm so glad you're here. Today's webinar is all about helping you prepare for what we call our financial storms. Now these are unexpected things that come your way that really can throw off even the best-laid financial plans.
Now, this is not a doom and gloom session. This is more about gaining control, getting clarity, and building a plan that helps you face uncertainty with confidence. And so whether you're just starting off on your financial journey or you're getting close to retirement. This session is really designed to give you practical, actionable steps to help you when we start thinking about financial storms coming our way.
Now, I think it's a little funny, because I plan my calls, my sessions, my topics, months and months in advance. You know, I've got, usually, my next three to four months planned. So when I planned in June to do a webinar on how to weather a financial storm and managing your finances during a crisis, I did not plan that the US would have bombed Iran the weekend before, right? So the timing of all that just kind of happened.
But just know, I plan these things so far out in advance, and a little bit of irony there with some things that are happening geopolitically. And hopefully, the next time I do this talking session that there won't be any other geopolitical issues going on. But that is one of the things that we want to talk about, right, like, what happens? Those are those financial disruptions that come our way.
That could be war. Could be like we had COVID in 2020, some sort of economic downturn. These can also be personal things that happen. Maybe we get sick, we lose a spouse. We have to take time out of work to take care of a family member. We lose a job, right? There are a lot of things that can happen that can disrupt our plans, and we may not be able to prepare and plan for everything, but there are things that we can do to make our financial plans be more resilient, and that is what we're going to talk about today.
Now we work with a lot of people who are getting close to retirement, and they're trying to make smart, confident decisions with their money. This is a lot of people who work for the State of Florida, people over 50. I also work with, obviously, clients in their 30s and 40s who also want to make sure they're all doing the right things with their money. And most of the people we meet with, they're not struggling because they made bad decisions.
They're struggling because they're overwhelmed. Our financial system is complicated. You have a lot of options out there. There's a ton of information out there. The market feels uncertain. There's no clear roadmap on what to do next, and that's where we come in. Our job is to simplify the process and guide you through those key decisions so you know where you stand, what's possible. How do you protect what you've built so hard to build?
And that's what today's session is going to be about. So, how do you prepare for uncertainty? How do you protect your finances and build a plan that works no matter what storms come your way? So let's get into it. Here's what we're going to talk about. We're going to talk about what a financial crisis really is. Sometimes it's not what you think it is. We're going to go through a preparation framework.
Think of it like a hurricane checklist for your money. And we're going to dive into some fundamentals, like emergency funds, investment strategies, spending plans, and we're going to wrap up with what does a confident financial plan look like, and how do you make sure that you have one? Understanding a financial crisis and how to recognize financial storms. A financial crisis can be global, like a recession, war, COVID, inflation spike.
It can also be personal. Job loss, health issues. I want to tell you about a client of mine who a few years ago, she had to retire early, a few years earlier than she planned to, to help take care of her mother, who was having health issues. And it happened very suddenly. Now, emotionally, it was very hard for her because of what she was going through, but also financially, it had ripple effects. She was retiring from the state of Florida, and because she had to retire early, her pension was now lower than expected.
She was in DROP, so now her drop account was a lot lower than she was planning on it being. So she had to stop contributing to her retirement investment accounts, so she didn't have as much saved, and she was also working on paying off some debt before she retired. Now, none of that was in her plan, but we worked together to adjust the strategy. And that's the point of this: that life is going to throw you curveballs. We know that it's not a matter of if, it's when.
And so if we can recognize some of these, maybe even some signs that can help you, and even just having a plan that's adaptable, that's going to help you have more confidence and not panic. And just like we track storms with radars and forecasts, you can track your own financial health, and you don't have to know everything, but you do have to be aware and proactive. And the common theme with financial storms it's not if they happen, it's when, and it's how prepared you are for when they do.
Most people panic because they weren't prepared. So when you have a plan, you don't have to panic, and that's what we're going to talk about today. Now, this is not true for every financial storm, but sometimes there can be warning signs. So if we can understand what a financial crisis is, if we can spot some of those early warning signs, then it can help us be prepared better. The earlier we recognize them, the more options we have.
So let's think about this for a few minutes. Here are some common early warning signs. Especially on a global side, if we see a lot of market volatility, rising inflation, interest rate hikes, increasing unemployment, those are all things that can point to globally or even locally, more, think of the US economy having some type of financial storm, like a recession. Think back to the Great Recession of '08.
On the personal side, if we see that we're having higher credit card balances, we're dipping into savings, maybe we're not able to save at all, that should be a sign that we needed to pause and take a look at what's happening. Or emotionally, if you're feeling anxious or overwhelmed, you know you're not making financial decisions because you're putting it off. That sometimes is your gut telling you that it needs attention.
So if we look out for some of these warning signs, we can get ahead of it, and we can be better prepared. And if you're not sure what your own warning signs might be, or whether if you're already there, this is where we can help you. I'd recommend, a focus session is a great way to get clarity without judgment. Most people are just relieved to know where they stand, but in our focus sessions, we talk more about which we're going to talk more at the end of today's call on how to do that. But we can talk through what are some of those warning signs that you should be looking out for?
Now, how do we prepare for a financial storm? I want to use a hurricane as a metaphor. You know, here I am in Florida. Obviously, hurricane season, we're very used to it, and we know what to do when a storm is coming. We've dealt with them before. We stock up on supplies. We make sure insurance is in check. We pay attention to the weather channel and the news media to know what's happening. We know if we need to evacuate, where to go, right?
So we know how to handle if a hurricane is coming our way. Well, we can take that same approach for our finances. So I'm going to walk through this metaphor, thinking about prepping for a hurricane, and how do we prep from a financial planning standpoint? So the first thing is your emergency kit. Now, in your finances, your emergency fund is going to be like your emergency storm kit. It gives you access to essentials like cash when you can't rely on normal income or you need to cover an unexpected expense.
And just like you wouldn't want to run out of water in a storm, you don't want to run out of liquidity, out of cash, during a financial disruption. So that's where your emergency fund comes in. Having an evacuation plan, your financial plan is your evacuation route. When a storm hits, you need to know where you're headed and how you'll get there. A good financial plan maps out how you're going to handle different scenarios. Think job loss, market downturns, health events, retirement, so you're not scrambling in the moment.
This is something we help our clients with. We call it stress testing. So we think about someone maybe getting ready for retirement. Yeah, let's stress test it. Sure, your plan looks great today, when everything's going wonderful. But what about if we had a market correction and the market's down 20%? How is your plan going to handle that? What if you have a health event? What if something happens and you need care? You or your spouse? Can your plan handle that?
We want to know how we're going to go into those situations before they happen. That's where I find a lot of people have stress when it comes to their money. Is things pop up and then they don't know how they're going to address them. So having a plan for those things, so we can say, oh, nope, we already prepared for that. It's like the market this year, the market's been all over the place this year. Most of my clients were like, hey, nope, we're good. We've been planning for this because we know it's not if it's going to happen, it's when it's going to happen.
And is your plan resilient enough to handle it? Taking a look at your insurance coverage. Insurance coverage helps you recover from physical damage, like your homeowners insurance helps you rebuild after physical damage. On the personal side, you've got life insurance, disability insurance, that can help, property and casualty. Obviously, that falls from that homeowner's insurance as well, but helps you recover financially when life doesn't go your way.
So making sure that you've got the proper coverage. And sometimes we can self-insure, and there are other times when we want to transfer that risk, so making sure that we're analyzing that. Now, insurance, an analogy I like to use for insurance is, insurance is like needing an umbrella when it's raining, but you could only buy the umbrella when the sun is shining. Think about that for a second.
If I left the office today and I got into a car accident on the way home, I cannot call my property and casualty agent and say, hey, I just got into a car accident. Can you bump up my liability coverage? It doesn't work that way. Same way as like, if a storm is coming, there's a point in time when homeowners insurance companies, they'll pause you being able to add coverage or make changes to it. It's the same thing in our financial world.
These are things that we have to have in place before something happens. Now, securing valuables. In a storm, we're going to make sure that we don't have things in our yard that are going to blow away, and make sure that everything's like in good order. In our financial life, we want to protect our long-term goals. So we want to make sure our retirement accounts are allocated properly. We want to make sure estate plans are up to date.
We want to make sure we have key documents that are accessible, making sure beneficiaries are up to date. These are all things that we can do to secure our financial valuables. We seek professional guidance. So in a storm, in a hurricane, we rely on meteorologists. I can't even say that word, but we focus, we watch the weather channel. We want to know. We want to stay up to date on like, where's the hurricane going? What category is it going to be?
And this is where financial professionals come in to help you look at the data, help you adjust course when necessary, because you don't have to figure this out alone. We also want to do continuous monitoring. During a hurricane, we're checking the radar, we're listening to updates. We're adjusting as the storm evolves, and your financial plan needs that same level of attention. It is not a set it and forget it strategy. It needs to be reviewed and refined regularly.
Preparation doesn't stop the storm, but it puts you in a position of strength, you don't panic, you act, and that makes all the difference. Now, one of the things I mentioned earlier, which is a crucial tool to help you weather the storm, is an emergency fund. So what is it? Why is it important? What do we do with it? So an emergency fund is a pool of money set aside to cover unexpected expenses. It can help with a job loss, a medical emergency, or unexpected home repairs, right?
This, your emergency fund, is going to allow you to stay afloat. Now we recommend, so how much should you have in your emergency fund? Now, this is going to be different for every person. We recommend keeping at least six months’ worth of expenses in liquid savings. But I want to ask you a question: what's your happy number? How much do you want to keep in savings at all times? It's different for everybody.
A lot of my clients who are near retirement or in retirement, guess what? They have very low expenses. So, having six months’ worth of expenses in savings for an emergency fund isn't enough for them. Maybe they want to keep 50,000 liquid in cash at all times. So yes, we could have this rule of thumb of six months of expenses, but then we got to ask the question about, what's going to make you happy, though? What's going to make you feel comfortable? What's going to help you sleep at night, knowing you've got access to that money. It's cash, it's liquid, and get your hands on it, you don't have to worry about the market.
So important. I've got a client of mine that works in, he's in the tech world, and he usually works for tech startups as a developer. It's a very volatile position because he works these tech startups, and sometimes they go under. So he might be out of a job for six months, nine months a year at a time, and then he's re-employed, right? So when we were going through this, I was like, absolutely not. We cannot have six months’ worth of expenses in savings for you.
You need to keep at least a year because of the nature of his job and how long it takes for him to find a position. And that happened after our work together, he did end up losing his job, and he was out of work for about six months, and then went back to work. So he was able to use his emergency fund. He wasn't stressed about it, and then when he went back to work, he built his emergency fund back up. So it really is going to come down to everybody's individual situation.
Now, where should you keep it? There are lots of options. Checking, savings, CDs, money markets, cash value life insurance. So you've got lots of options of where to keep it. Where you don't want to is in an investment account or retirement account. You don't want your emergency fund to be down 20% because of the market, and you need it. You need it for something. So make sure it's something that's not going to be as volatile like the market.
Now I talk with all of my clients about creating a spending plan. So let's talk about what is a spending plan, what is it not, and why is it important? And this is important for clients who are in their working years, clients in their 30s and 40s. This is important for clients who are going into retirement. I am not a budget person. I don't believe in budgets. I think they feel too restrictive. I don't think that we stick to them very well. A budget, to me, is like a very restrictive diet that we maybe stick to for a few days, and then we order a big pizza.
I don't know about you, but at least, that's what I do. And I think budgets are the same way. So we don't want to budget. This isn't about being restrictive. It's about just being intentional with our money, knowing where our money is going, and just being purposeful, right? Deciding on purpose, where your money goes. So what I recommend on a spending plan is take a look back at the last three months of spending.
Don't judge it, just observe it and ask the question, does this reflect my priorities? Is this how I want to be spending my money? And if not, what changes can I make? This is going to allow you to have guilt-free spending. Everybody wants guilt-free spending, and it's going to help you actually even weather those changes in income, unexpected expenses, big life transitions. It's at least having an idea around your spending.
It doesn't have to be down to the penny. We just want it like in the ballpark. We want round numbers, estimated. This is about what we spend on a monthly basis. And then we want to look at what is discretionary spending and what is essential spending? So essentials are like, how do I keep the lights on? Mortgage, rent, utilities, groceries, how do I live my life? And discretionary spending are things we enjoy, but maybe not necessary. Could be eating out, entertainment, shopping, things along those lines.
The discretionary spending, those are things that we can cut back when times are tough. Doesn't mean you have to cut out everything, but it is helpful to know what's your wiggle room. Are there some things that you could trim? And if so, what are you going to do with that? It's good to know look at your income and your spending plan to say, hey, do I have a surplus? Do I have a deficit? And a lot of my clients, if they go through this, they do find things where there are inefficiencies, I'm going to call them.
There are holes in the bucket. You know, one of my clients didn't realize she was spending $300 a month on DoorDash. There's nothing wrong with DoorDash, but she was like, April, I didn't know, because it's easy. So then she looked it and was like, oh, I don't have to do that. Now, she's still going to order DoorDash, of course, but maybe she's just more intentional about it now. Maybe just makes her stop and think. And then she can do other things with that money. Those can go to other goals.
So, when I'm thinking about this emergency fund or creating a spending plan, the challenge I see is that we know we should have these things, but we haven't done it yet, and that's where we can come in to help clients, because you don't have to figure this out alone. This is what we help people create real-world, flexible strategies based on their actual lifestyle and goals. And it doesn't have to be hard. We can make it easy.
But it is good to have those kind of things, especially when thinking about preparing for some type of financial storm. Now, let's get into protecting investments and retirement accounts. And some of this, listen, you're going to say April, I already know that, but I think it's so good for us to hear it again. The first thing is, diversification is key. We always hear this, right? Diversification.
Don't put all of your eggs in one basket. We don't want to have all of our investments in the same type of asset. We want to spread it out across different investment types, so your whole portfolio, your whole account, isn't moving in the same direction when the markets shift. Think about this year the market volatility. We want to have things that are going to be like a hedge against the market going down, right?
Well, things are going to go up when it happens. So we're not experiencing so much of that loss. One thing I talk about with clients is, do we need to stay the course, or do we need to make strategic changes? We hear a lot, don't panic, stay the course, and for a lot of people, in a lot of situations, that is true, and that's good advice. But the reality is, your course might need changing. It might need updating.
We need to look at your goals, your timeline, your circumstances, and we also need to look at your investments. If it's a sinking ship, when do you want to get out of it? So your investments need to adjust over time, and strategic changes can help you avoid unnecessary losses or take advantage of opportunities. So I think we don't need to be making changes for the sake of changes.
But we do need to be strategic. We do need to be tactical, but we don't just need to be an ostrich and have our head in the sand and not look at it. So, when do we need to stay the course, and then when do we need to make changes? Look at your current trajectory. Ask this question: if I continue on this path, am I going to reach my goals? We have clients all the time with retirement projections, income analysis, investment reviews and sometimes some small shifts now can help us reach our goals faster.
It can help us avoid big problems later. It can help us put us in a better situation. So ask that question again, if you continue doing what you're doing today, if you stay on your path, will you reach your goals? Let's say you want to retire in five years. So if you made no changes, are you going to be able to do that in five years? Or are there some tweaks that are needed? For most people, tweaks are needed.
And so it's understanding where we are today. And then are there some things that we can do to make it better. Knowing when to make changes. Timing is everything. You don't want to be reactive, but you don't want to wait too long. So it's this fine balance, right? This is one that's really good to have a process in place. And when I recommend that you review your plan at least annually, that becomes very crucial.
Look at it when you have big events that are happening globally, and deciding, do I need to make changes now? And if I don't, when am I going to make changes? I had a client that when last year when we were reviewing his investment account and deciding if we're going to make some changes. And I recommend, I said, hey, look, there's still a lot of uncertainty about what's happening with interest rates and the Fed.
And so why don't we circle back in six months, so we can have a better understanding of what's happening with interest rates, because that's really going to impact the bonds in your portfolio. And we can decide then, do we need to stay the course or make changes? So if we're not making changes today, when are we going to make changes if we need to?
This is really where the importance of professional guidance comes in, because it's hard to make objective decisions when your emotions are involved. I deal with this too. I look at my own personal financial situation, and I think I should be doing X, Y, and Z. For example, I think I should be paying more down on my mortgage. And I literally have to say, now, April, what would you tell yourself, if you were a client? And my mortgage interest rate is 3.125. It's very low.
If it was a client sitting across the table from me, I would tell her, no, do not pay a penny extra on your mortgage. Instead, put that money over in a separate account and build it up and sure, if you get to the point where you can pay off the mortgage in one sweep, go for it. But I would tell her not to pay it off early. So I have to play that game with myself to take my own advice.
And that's really why working with a planner, someone who can step back, look at the data, offer recommendations, is so valuable. And you know, it's not really just recommendations. I'm gonna say something else here. It's actually getting clarity first. That's the first place we start. We don't start with recommendations. Oh, you should be invested in this, you should buy this product. We start with, what is it that you want? What do you want your money doing for you?
What's the job of your money? Why is this important? We have to start with the goal, with getting clarity on what you want, and then we look at what you're doing and say, is this the right thing or not? We met with some new clients a few weeks ago, and they met with an advisor several years ago, who, at the first meeting, started selling them a product.
Actually, several products, to the point where the wife was like, I got so overwhelmed at that meeting that we walked out and we didn't do anything. And we haven't done anything, and that was years ago. So, fast forward to us meeting a few weeks and we didn't know that at the time that they'd been in that situation, but we started off asking, what do you want? Do you want to retire one day? If so, when? What are some big goals and dreams that you have for your money? What are your concerns? What are your challenges when it comes to money and really understanding what is it they want?
And then we look at what you got and how it's working, and are those things going to help you achieve those goals? And that's what is really good about working with someone. So whether it's, it doesn't have to be us. It's us, someone else, you don't have to navigate these storms alone. We've helped hundreds of clients navigate these challenges, and our job is to help you avoid unnecessary risk and missed opportunities, because you shouldn't have to guess.
You shouldn't have to just hope it's all going to work out. Hope is not a strategy. If you want a second opinion on your investment setup, or how you currently are positioned. This is a great time to schedule a focus session, and we're going to talk about that at the end, on how to do that. Now, what are the keys to building a competent financial plan? One that works not just when the sun is shining, but when the forecast is uncertain.
The first thing you want is, you want to have a plan that works in all seasons. A good financial plan isn't built for perfect conditions. It's built to withstand volatility, getting sick or hurt, job changes, life transitions. Think of it like a house being built on a strong foundation. And the role of professional guidance, just like a contractor would help make sure that your house is up to code, a financial professional helps make sure that your plan is built soundly. T
They can help you see things you might miss and guide you through key decisions. Stress test your financial plan. We walk clients through this all the time. What happens if you retire early? What if the market drops 20%? What if healthcare costs spike? You want to know that your plan holds up in all of these scenarios. Continuous improvement and tweaking. Life changes. Your plan should, too. We recommend regular reviews to adjust your strategy as needed.
Think of it like tuning up your car before a road trip. You want to make sure that you're on the right path. Don't set it and forget it. Prepare for life's unexpected events, whether that's a health issue, a family need, job changes, maybe an opportunity, a flexible plan is going to make it easier for you to respond with confidence, not fear. Planning ahead gives you options, and that's really what financial confidence is all about.
Most people want a plan like this, but they haven't been able to pull all the pieces together, and that's exactly what we help our clients do. Now, as we've been going through this today and talking about, how do we understand what a financial crisis is, how do we build financial resilience, and those keys to having a confident financial plan. If you're unsure about your plan or you want a second pair of eyes, I invite you to book a complimentary focus session.
Here's how that works. It's a 30-minute call where we're going to help you get clarity on your financial goals. We're going to identify any roadblocks, and we're going to pinpoint any opportunities you may not have seen. You're going to walk away with some action steps, some tweaks that you can implement right away, with or without us, and if it makes sense to continue working together, we're going to talk about what that looks like, and if not, you still get to leave the call with that clarity and having some tweaks.
So there are a few ways you can book a call. You can scan the QR code, and that's going to take you right to my calendar. You can book a 30-minute call. You can also call our office, 850-562-3000, and let them know you heard me speak and you'd like to schedule a focus session. Again, that phone number is 850-562-3000. And I recommend, while we're on the call, or right after, go ahead and do that.
If you're interested, if you want to book a call, do it while you're thinking about it, while it's top of mind. I don't know about you, but I can be so guilty of having something on my to do list and just not getting to it yet. I called someone yesterday that I met with a few months ago to just check in, see how things were going, see if they were ready to move forward with their retirement plan. She goes, oh my gosh, I'm so glad you called. You have literally been on my to do list for weeks now, and I just haven't had a chance. So we all get busy, and life gets in the way.
And there is a cost to waiting. There's clarity. Most people don't fail financially because they made a bad decision. It's because they postpone making decisions, and the biggest obstacle is inaction. So don't wait until you're in the middle of a storm to say, hey, I need to figure out if this works. Let's test it now. Let's strengthen it. Let's build confidence now, while we can. And sometimes clients have, we can feel some obstacles to getting this financial clarity.
Sometimes people say, I already have an advisor. Wonderful. Most of my clients do. My goal isn't to disrupt what you already have. It's more about how can we add value? There can be emotional barriers. Sometimes we don't really want to face our financial situation. I can't tell you how many times clients have said, oh, I'm worried for what you're going to tell me today. We're worried what it might reveal. Listen, we are here to support and guide you.
I literally have a sign in my office that says this is a no judgment zone. I've seen it all. There's nothing you can say that's going to shock me. And this is a place where we can talk about your goals and your challenges, and if there are problems, when do we want to talk about it? The more we bring that out into the light, the less scary it is.
So getting through some of that. And perceived cost, right? They might be worried about, what's this going to cost me? Our initial talks are always at no charge. We take the time to understand your unique situation, we're going to give you some insights, and then we'll decide together if it makes sense for us to move forward and work together in some capacity.
And if, and if we decide to do that, of course, we're going to be very transparent with you so you understand exactly how much our fees are for planning. We have different plan options, so we can discuss different pricing options and make sure that that aligns with where you are and what you need. But again, those initial talks are always no charge.
So let me share a quick story I think that really drives this home, about how important it is for planning. One of my clients always thought she had plenty of time to plan and prepare for retirement. She was focused on building her career, and retirement just felt something that was really far in the future. But as she got older, time, as it does, slips away, and she started to feel uneasy about it.
And so when we finally sat down to review everything, she realized she was behind. All of her investments were tied up in her 401k and she wasn't saving enough. To compensate, she was taking on way too much risk, hoping that the market would help make up the difference, but that's a dangerous strategy, and it only works if your timing is perfect, but most of the time it's not.
And what really stuck with me is one time she said, I wish I had started this five years earlier. But here's the thing, we had actually been introduced five years earlier. She was introduced and referred to me by another client, and we had some initial conversations, but she said the timing wasn't right for her then. So, fast forward five years later, and she was ready to get together and roll up her sleeves and get to work. And you know what, she's gonna be fine.
She's gonna be totally fine. And we were able to course correct and build that plan together. But I want you to think about the difference those five years could have made for her. She could have had more flexibility. Maybe she would have been on track to retire at 65 instead of 70. Or maybe she would have just had more freedom to spend money how she wants to today. And that's the power sometimes, of taking action before you even feel ready.
We know how to help because we've done it for people just like you, and if you're still watching this, I think that tells me that you care. You're smart, you're motivated, but you just need the right guide to help you walk this road. So here's what I'd recommend. Your next step would be to book a focus session. We'll sit down for 30 minutes, we'll talk about your goals. We'll map out some strategy, some tweaks that work for you. No pressure. Just get some clarity.
You've already taken a great first step by being here today. Let's just make sure that this moment is where the momentum really begins. So that next step for you would then be to book that focus session. Thank you so much for joining me today. I hope you enjoyed today's conversation, and then I look forward to seeing you on the next one. Bye now.
Voiceover: This material is intended for general public use. By providing this content, Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. If you'd like additional information about our services, visit our website at curryschoenfinancial.com, or you can call our office at 850-562-3000. Again, that number is 850-562-3000. This podcast is for informational purposes only. Guest speakers and their firms are not affiliated with or endorsed by Park Avenue Securities, Guardian, or North Florida Financial, and opinions stated are their own. April and John are registered representatives and financial advisors of Park Avenue Securities LLC. Address: 1700 Summit Lake Drive, Suite 200, Tallahassee, Florida, 32317. Phone number 850-562-9075. Securities, products, and advisory services offered through Park Avenue Securities, member of FINRA and SIPC. April is a financial representative of the Guardian Life Insurance Company of America, New York, New York. Park Avenue Securities is a wholly owned subsidiary of Guardian. North Florida Financial is not an affiliate or subsidiary of Park Avenue Securities or Guardian.
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