Estate Sales, Valuations and Inventories for Attorneys and their Clients
Give us a call at 727-289-3600 or shoot us an e-mail at and we will be happy to send you a free hurricane preparedness checklist.  You can also visit and comment on the Asset Registry discussion board where you will find great tips to get you started.  We always say "know what you own & PROVE it!"  You should also know what you own and be prepared...RT
Well everyone, hurricane season started on June 1st and lasts until November.  If you live in Florida or anywhere on the Gulf Coast or even up the Eastern Seaboard, you have to take special precautions to make sure that you and your family is protected from the financial devastation that can happen as a result of a natural disaster.  Remember hurricanes Andrew, Ivan & Katrina?  Total devastation.  Check out the tips below and be prepared.  Of course, we can also help you with an Asset Registry...  

Make backup copies of all of your records. Make copies of important records and documents and safely secure them in another location. Items should include photos of everything you own, credit card numbers, insurance policies, financial records, deeds and titles, wills and trusts, Social Security cards, prescriptions and medical records, emergency contact lists and spare keys.

     a.     Maintain a one-page key financial contacts list. These are phone numbers of companies you would call to alert them of your special circumstances and discuss your options. Include phone and account numbers for your bank, mortgage, credit card, investment and insurance companies.

2.     Create a "grab and go" fire- and waterproof box with important financial documents. Include recent checking, savings, credit card and investment account statements; your key financial contacts list; federal and state tax returns; mortgage and insurance information; your social security card; and a supply of cash.

3.     Ensure you have access to cash

     a.     Carry your ATM or debit card with you at all times

     b.    Build a "safety balance" in your checking or savings account that can be tapped at times of crisis, and consider an "emergency" line of credit (like a home equity line of credit)

4.     Consider overdraft protection, linking your checking account to a savings account or credit card.

5.     Use direct deposit of payroll so your pay is automatically deposited into your checking account.

    a.     And since there may be no power after a disaster, stash a sufficient amount of cash, traveler & checks, and a roll of quarters (to use in pay phones) in a disaster supplies kit that you keep at home and can take with you.

6.     Understand your expenses and create a budget. Know how much you spend each month on your rent or mortgage, food, gas, medicine, and other basic expenses. This information will be helpful if you are receiving financial assistance from a nonprofit or government agency.

7.     Review disaster insurance policies. Don’t feel overly secure simply because you have insurance. Review plans and ask your insurance providers questions about:

     a.     Replacement of home or property. Your mortgage could exceed the value assigned to your property. Find out the maximum value of "full replacement" insurance, and consider a guaranteed replacement cost policy.

     b.     Home contents. Renters and homeowners can insure their belongings. Standard policies are for actual cash value, not replacement cost.

     c.     Watch out for deductibles, restrictions or omissions on floods, hurricanes and other "natural disasters."

     d.    Clarify what "living expenses" are if you need to stay in a motel for an extended period of time.

     e.      Consider a rider policy if your homeowners policy doesn’t cover computers, home offices, jewelry, artwork or other expensive items.
  1. Set measurable goals.
  2. Understand the effect your financial decisions have on other financial issues.
  3. Re-evaluate your financial plan periodically.
  4. Start now - don’t assume financial planning is for when you get older.
  5. Start with what you’ve got - don’t assume financial planning is only for the wealthy.
  6. Take charge - you are in control of the financial planning engagement.
  7. Look at the big picture - financial planning is more than just retirement planning or tax planning.
  8. Don’t confuse financial planning with investing.
  9. Don’t expect unrealistic returns on investments.
  10. Don’t wait until a money crisis to begin financial planning.

    Your Financial Advisor should be talking to you about these very same things.  They are considered best practices in the world of money management.  Think about these 10 things and if your advisor hasn't talked to you about them, then consider finding another advisor.
If my schedule permits, I always try to hand out flyers and other information to homes and businesses in the area.  Today, I had an hour between appointments and decided to take a stroll and place some flyers on doors. It was about 95 degrees and I had on heels.  Clearly I hadn't planned to walk far today...As I went, my feet started to hurt and I was dripping with sweat but I thought "this is what it's all about."  I believe that hard work, some sweat, some prayers, and sometimes a few tears always pays off.  I was definately in that zone today.  Then I thought, "most of these people won't even bother to read these flyers."  A small piece of negativety crept in.  Then I walked up to a pale yellow home, tucked my flyer in the door and found myself placing a business card carefully in the flyer so that it wouldn't fall out.  As I walked away from that home, I thought "Why did I put my business card in there?"  I hesitated for a moment and almost went back and got it, but I decided to move on.  A short while later, a very sweet old man came out onto the street with my business card in hand.  He didn't have the flyer, but he had my business card.  I thought I was going to get chewed out for leaving items at his door.  To my surprise, he gently inquired about Asset Registry.  After I gave him the rundown of what Asset Registry is and what it offers, he nodded his head and said "I think I'd like to have that done."  (big smile on my face) I learned several lessons on that short walk today...RT
I read this article today in the St. Petersburg Times.  It was written by Jean Chatzky, the financial editor for NBC's "Today," & author of six books, including the book The Difference: How Anyone Can Prosper in Even the Toughest Times. How interesting it is that even those who are jobless should take inventory of their property.  Here's the link and an interesting excerpt:

"If you're one of the 11.2 million people who are on unemployment right now, it can feel like an emotional rollercoaster. Every few weeks, the papers and morning news anchors are wondering whether Congress is going to extend jobless benefits.

"Over the last six months, the federal government has extended benefits. But they've been extending them a month at a time, so in a lot of cases, people don't know if their benefits are going to run out," says Alison Doyle, job-search expert for

Eventually, those checks really will stop coming, and if you haven't found a job -- not an unlikely scenario in this market -- you're going to need to tread water. Here's how:

Look at your assets. In fact, don't just look at them -- put pen to paper or fingers to keyboard and take an inventory. Anything you own that has value but isn't essential should go on this list -- savings, investments, collectibles, a car that you don't use, jewelry you no longer wear. I don't think you should sell anything that has sentimental value (when you get back on your feet, you'll likely regret it, and there's no going back), but you need to know what you can rely on in a pinch. "Ask yourself, what could I tap into if I needed to fill a gap between my income and expenses, with the least amount of penalty and long-term damages," says Keener. If you're looking to prioritize, start with taxable investment accounts, if you have them, and any emergency savings that hasn't run dry. If one spouse is still working, and feels confident that things will remain that way, you can consider a taking a loan from his or her 401(k) account -- you'll pay the money back to yourself, with interest, but the rate is generally low. What you don't want to do, if you can help it, is take an early 401(k) or IRA withdrawal, which comes with a 10 percent penalty fee and hefty taxes.

One note: Before you sell any material goods, like jewelry or antiques, shop around for the best place to do so. There are a lot of scams out there, particularly when it comes to selling gold jewelry. Ask friends for recommendations, visit local consignment shops and get references from eBay sellers."

News Article-APRIL 2010

St. Petersburg, Florida – Loss and claims that happen as the result of hurricanes, tornadoes, fires, floods, theft, divorce and even death, are going to happen.  Experts including our insurance agents, attorneys, financial advisors and even our own mothers, all agree that we have to be prepared for the inevitable. Asset Registry™ LLC recently launched a service that catalogues your property and their value making estate planning and the insurance claims process a breeze.

Every year Americans suffer billions of dollars in losses due to theft, fire and natural disasters, still most people have no record of their possessions. When damages occur, the insurance companies ask for receipts, photo evidence, descriptions, serial numbers, and other details that most victims cannot provide, leaving them with yet another loss. Most people don’t think about recouping the value of lost items until it’s too late. Lisa Conners with Rent Solutions/Keller Williams Realty Gulf Coast says "Asset Registry is a valuable service because homeowners simply can't cover their expenses when something bad happens. That's the reality. For me, it's a great option that I can offer to my clients." Asset Registry LLC provides critical proof of ownership to homeowners, attorneys, insurance companies, law enforcement and more by conducting a comprehensive inventory and recording of personal and business property to include photo evidence and secure offline backup storage.

Getting an Asset Registry is not a new concept. In the past, it has been synonymous with home inventory services, but Asset Registry LLC has gone above and beyond its competitors, by offering free on-site assessments, free property checklists, a customized database for each customer, notary services, and significant discounts to seniors and military men and women. President and Founder, Ronica R. Tucker says “We’re proud to offer a premium service that has a real impact on peoples’ lives. It makes sense to know what you own, especially if you live in an area impacted by hurricanes, tornadoes or other natural disasters. I find that people who get an Asset Registry make better, more informed personal and financial decisions.” Asset Registry services are completely confidential and surprisingly affordable. Michael R. Page, President of MRP Consulting, LLC and customer of Asset Registry says “People can save a lot of money by using Asset Registry services versus going to an attorney!”

Asset Registry LLC serves all of Central Florida, from coast to coast and is located in St. Petersburg. They are currently planning to open additional locations in the Florida Panhandle and South Florida.

Welcome everyone!  In response to several requests we have received for information, we've decided to launch the Asset RegistryTM Discussion Board.  We've forged many strong partnerships with area business leaders and have asked that they participate in our discussions which helps keep our customers informed about Asset Registry, financial planning, estate planning, home inventories, estate sales, appraisals, buying and selling of estate jewelry and other valuables, fund-raising opportunities and more. 

The information that you will find here is intended to help people make better, more informed decisions about their personal assets.  You can expect the content to be fresh, fact-filled, and relevant.  We deal respectfully with all subject matter and with our customers.  However, we do like to have a little fun too, so we'll try to work that in sometimes.

If you have resource needs or general questions, feel free to ask them here.  Our network of professionals will answer your questions and get you in touch with the right person.  

Again, we welcome your questions or comments.  RT