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Seniors worry about financial health of Brookdale continuing care centers

Residents of the Regency Oaks in Clearwater worry what will happen to their senior living facility and others owned by the parent company of the complex, Brookdale Senior Living. [SUSAN TAYLOR MARTIN | Times]

CLEARWATER –For those who can afford it, Regency Oaks is the epitome of comfortable senior living.

From their well-maintained apartments, the 500-plus residents look out on spacious grounds with azaleas and live oaks. Amenities include a tavern, beauty salon, putting green and two dining rooms with a wide array of menu selections.

Most attractive, though, is the promise of lifetime care. For that, residents pay up to $300,000 to secure an apartment plus monthly fees averaging $2,500 to $3,000 a month. With so much at stake, they have been rattled by financial woes dogging the community’s owner, Brookdale Senior Living Solutions.

RELATED COVERAGE: Generator rule for nursing homes move forward, but rules for assisted living facilities stall

The nation’s largest senior housing provider, Tennessee-based Brookdale, recently announced it lost $517 million last year. Last week, a new CEO took over, warning of "painful but necessary" steps like layoffs and the sale of assets, perhaps including some of the 34 nursing homes and independent and assisted living facilities Brookdale owns in the Tampa Bay area.

The company’s financial struggles are particularly unsettling for the thousands of residents of its five local life care communities — Regency Oaks, Lake Seminole Square and Freedom Square in Seminole and Freedom Plaza and Homewood in Sun City Center.

"My concern is that Brookdale wouldn’t have the funds to keep its promise of continuing care," says David Smith, a retired college professor who paid $285,000 to move into Regency Oaks with his wife last May.

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Worries about Brookdale stem in no small part from the debacle at Tampa’s University Village, a continuing care community that is now in bankruptcy.

After new owners took over several years ago, they filed false information with the state, failed to pay more than $4 million in refunds to residents and accepted new residents despite being "financially insolvent and conducting business in a fraudulent or dishonest manner," according to Florida’s Office of Insurance Regulation.

As bills went unpaid, the buildings fell into disrepair. WFLA-TV reported in January that inside temperatures plunged so low due to heating problems that residents had to dine in winter coats.

Occupancy at University Village is down by half. Even if a buyer can be found, it is uncertain whether it can still operate as a continuing care community.

The situation with Brookdale "is not identical to what happened at University Village but there is enough similarity to create worry," Smith said.

By law, all continuing care communities in Florida must have reserves equaling up to 30 percent of annual operating expenses. The Office of Insurance Regulation allows the reserves to be in the form of promissory notes instead of cash.

Brookdale has fulfilled the "minimum" obligations for its facilities, an office spokesperson said.

But some Regency Oaks residents wonder whether Brookdale would be able to pay the promissory notes if its financial condition deteriorates further. In a community with many well-educated, articulate seniors, the voicing of concerns has led to tensions between Brookdale’s fans and its critics.

"I’m not worried, my board of directors isn’t worried, we have outstanding management," said Don Infante, a retired Army general who is president of the residents’ board. "We are among the most financially secure (communities) in the shaky Brookdale structure."

Infante has been at odds with Jim Harpham, a former GTE Mobilnet president who says he was kicked off the board’s finance committee for asking too many questions. Among them: Why did Brookdale, which paid $36 million for Regency Oaks in a joint venture deal four years ago, take out a $75 million mortgage on the community?

"I don’t like that; that’s not good," Harpham said. He also wonders how much of the money generated by Regency Oaks — what Infante calls a "cash cow" — is being spent on other Brookdale facilities.

Brookdale, with more than 1,000 senior communities nationwide, does not comment on individual facilities. But spokesperson Dianna Gee said the company is financially sound and has enough cash flow to maintain its communities although it plans to sell about 30, "either under-performers or those with high value.’’ The locations have not been disclosed.

"Tampa (Bay) is a very big and important market for us," Gee said.

Florida lawmakers, whose current session ends Friday, are running out of time to pass a bill that would increase protections for residents of continuing care communities. The bill does not address the reserve issue but would give state regulators more enforcement tools and close some of the loopholes that allowed the University Village problems to drag on so long.

Florida’s 70 or so life care communities "by and large are very sound and a great option because you have that whole continuity from independent living to assisted living to nursing care," said Eric Thorn, attorney for the Florida Life Care Residents Association. "It works really well but when there’s a problem like University Village it has a real impact on the residents of that facility."

Contact Susan Taylor Martin at smartin@tampabay.com or (727) 893-8642. Follow @susanskate

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Property Details for 9411 N 20th St

9411 N 20th St, Tampa, FL 33612 9411 N 20th St, Tampa, FL 33612 Property Features

Dual Sinks in Master

*School data provided by National Center for Education Statistics, Pitney Bowes, and GreatSchools. Intended for reference only. GreatSchools Ratings compare a school’s test performance to statewide results. To verify enrollment eligibility, contact the school or district directly.

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Need A Job? 50 Job Openings In Tampa Bay Area

Businesses across the Tampa Bay region are looking for new employees, and Patch and Zip Recruiter have listed openings on our searchable jobs board. Here are recent job postings in the area. Click on the job title for complete information.

Customize your search by city, state and distance to explore hundreds of jobs. Looking for full-time work or per diem jobs? You can find those, too. Just add it to your search title keywords.

See hundreds of openings at our Tampa Patch Jobs Board

Sales Jobs

Results 1 – 10 of 1156

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Outside Sales Representative – $15,000 Per Month We are hiring commission only outside salesreps to run appointments. No Prospecting… No cold Calling… No door to door knocking… No handing out …

We are currently seeking to hire an Inside Sales Person to join our team! You will be managing and growing an existing sales territory alongside a team of well-seasoned individuals. Responsibilities

Entry Level Inside Sales – Tampa Bay Area, FL Direct Hire Opportunity Compensation is open based on experience along with a commission package! About Integrity Staffing Solutions: We are the people …

We’re looking for an experienced inside sales professional to generate leads, drive regional sales and expand our customer base. Reponsibilities * Nurture existing client relationships. * Identify …

Customer Sales Representative Certified Management Group Location : Remote/Field based (In trade) Reports to : Director of Sales Operations Exempt/Nonexempt : Exempt Travel Required : 100% local in …

We are seeking a Professional Sales Representative to join our team! You will develop new business and present the diverse professional products we provide to drive company revenue. Responsibilities

The agent will make sales related phone calls to new and existing customers. The working schedule is 6 hours a day/ 5 times a week. The 30 hours can be anytime between 5-8 CST. Responsibilities and …

New! Capital Brand Consulting Tampa, FL, USA

Management Trainee – Entry Level Sales Capital Brand Consulting, is currently hiring for a Management Trainee. We offer a gratifying, exciting, and inspiring work environment for individuals who want …

COME FACE TO FACE WITH THE FUTURE OF AWESOME Give your sales career the power of ADT! ADT’s suite of products and services offer customers just about everything they need to manage their home …

We are expanding our sales force and looking to hire a few individuals that are self- motivated, coachable and hungry. Seeking individuals with a proven track record of high performance saleslooking …

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Sales and Customer Service Associate – Entry Level – Paid Training Capital Brand Consulting, has recently opened its doors after a successful expansion and more happy clients! Our success has created …

The residential sales representative is responsible for going door-to-door to proactively sell smart home security management solutions by overseeing the sale of products or services from beginning …

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Heavy Equipment/Commercial Truck Sales Rep Needed eQuip is the nation’s largest equipment and commercial truck brokerage firm. We are currently searching for a quality phone/territory sales rep to …

Initiate sales process by prospecting, scheduling appointments, making initial presentations, understanding business needs, developing proposals, closing sales. Develop and maintain a business …

Our goal is to find Sales Leads to start training with us entry level and give them the opportunity to advance within the company as we expand. Skills & Abilities: * Communication skills * Bartending …

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Under general supervision, a Sales Advisor is responsible for meeting company sales goals. The successful candidate will be responsible for making sales calls, managing multiple lead sources …

Referrizer is hiring experienced B2B DIRECT SALES REPS to introduce new clients to the Referrizer platform. You don’t just think you’re good at direct sales; you know it. You’re invigorated by the …

The Sales Rep will sell sundries through distribution to dentists, community health care centers, and schools by performing the following duties Essential Responsibilities & Accountabilities

We are currently looking to hire up to 10 sales representatives in the Florida area. We have a large inventory of leads with more coming in weekly of new mortgage holders that are looking for an …

TECHNOLOGY JOBS

IT Support Specialist If you are a IT Support Specialist with experience, please read on! Located in Tampa, Florida we are a management consulting company with a mission to accelerate the …

We provide outsourced IT services from Virtual CIO to basic help desk support. Our clients love us and enjoy the personal level of attention we give them. We are not the normal "ticket, ticket …

Office Technology Moves/Relocation Compensation Information A competitive salary in-line with industry standards with the opportunity of a raise at each review You will gain vast experience working …

Network / Access Control Technicians Atlas International Technology Services, Inc Tampa, FL, USA

Atlas International Technology Services Inc. currently has openings for 1099 Subcontractor IT Networking &/or Access Control Technicians. Pay rate is $30-$35 per hour. Most of our work will be with …

IT Project Manager If you are a IT Project Manager with experience, please read on! Top Reasons to Work with Us – HUGE Room for Growth – Great Work/Life Balance/Autonomy – Competitive Pay What You …

We are currently seeking an experienced IT Service Technician to join our team in Tampa , FL Area. About Us: An educational organization is looking for an experienced IT Support Technician with …

This individual will oversee both construction projects as well as technology projects and will have the ability to push through obstacles to achieve KPIs. They relish not just utilizing technology …

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At Client, we seek to make a meaningful impact in the lives of our customers and our communities. This position is within the Enterprise Finance Architecture group and will involve supporting the …

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NURSING JOBS

See "Job Details" / Duration: 13 / Start Date: 2018-03-05 / Hours Per Week: 36Next Travel Nursing is seeking an experienced Emergency Room RN for a travel nursing assignment in Spring Hill, FL. The …

Nights / Duration: 13 / Start Date: 2018-03-05 / Hours Per Week: 36Next Travel Nursing is seeking an experienced Telemetry RN for a travel nursing assignment in Tallahassee, FL. The ideal candidate …

As an employee of CareerStaff Travel Nursing you will work on an assignment basis to provide quality care for key Hospitals. These roles are critical in filling the void left by the current nursing …

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INTERIM NURSING HEALTHCARE MANAGERS AND DIRECTORS are needed for all specialties (ER, Oncology, Surgery, Critical Care, Cath Lab, Med Surg, Maternal Child, Quality, Risk Management, and all other …

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Conducting and assisting with initial and ongoing assessment of patients’ needs Providing specialized care to patients, including skilled pediatric nursing Maintaining appropriate preventative …

At Family First Homecare, we work as a team to foster growth in our field nursing staff, and to ensure the highest level of client satisfaction. We take pride in the quality of care provided to our …

RN Case Manager needed for hospital in Tampa, FL for contract to perm opportunity. Experience in acute care hospital setting required. Required skills and minimum years of experience. 2-3 years …

… nursing agency affiliated with top ranking facilities throughout New York . For the past 2 decades we successfully assigned Travel Nurses – RN Registered Nurse at hospitals, nursinghomes, clinics …

Our plan is to cater to your needs, while helping you achieve your nursing career goals. We are large enough to ensure job security, and yet small enough to do the little extras to earn and maintain …

Requirements · Associate Degree or Diploma in Nursing · Active Nursing License · BLS Certification · 1 – 2 years minimum medical/surgical, acute care experience – New Grads; not required · …

Job Category Registered Nurse Profession LD Specialty Shift 12 N Duration 13 Weeks Start Date ASAP Pay Rate $29.00 – $31.00 Job Description & Requirements Labor & Delivery Nurse – Travel – Travel (LD …

The RN Case Manager is the point of contact for all disciplines involved with providing care to patients and oversees the frequency of visits for the time of care. We value helping people stay in the …

Provides skilled nursing care under the direct supervision of the Registered Nurse. * Performs selected skilled actions in the provision of curative, rehabilitative, palliative or preventative …

Supplemental Health Care is partnering with a Surgery Center in Tampa, Fl to provide an RN with a background in PACU, ICU or the ER for an ongoing per-diem /PRN contract. This is a fast-paced surgery …

… nursing practicePossess a valid state drivers license and automobile liability insurance

Must hold a current and unencumbered Registered Nursing License in the state which you intend to work.2. Must be organized, detail-oriented and possess effective communication skills both orally and …

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Job Category Registered Nurse Profession ER Specialty Shift 12 N Duration 13 Weeks Start Date ASAP Pay Rate $30.00 – $32.00 Job Description & Requirements Emergency Room Nurse- Emergency Nurse …

**Note: these jobs were available as of this posting, according to our partners at ZipRecruiter. Patch cannot guarantee that some have not been filled / Photo via Shutterstock.

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Epicurean Hotel Named Best In Tampa, 58th Best In State: Report

TAMPA, FL – The Epicurean Hotel ranked as the best hotel in Tampa and No. 58 in the state of Florida in the U.S. News & World Report 2018 "Best Hotels" list.

U.S. News released its rankings of the best hotels across the country and within Florida. The report looked at more than 24,000 luxury hotels to come up with the rankings. Hotels that received a gold badge were in the top 10 percent of ranked hotels. Hawaii’s Four Seasons Resort Lanai ranked first, followed by The Peninsula Chicago at No. 2 and The Langham, Chicago at No. 3.

In Tampa Bay, the top 10 were: the Epicurean, followed by the Renaissance Tampa International Plaza Hotel, the Grant Hyatt Tampa Bay, Le Meridien Tampa, The Westin Tampa Bay, the Seminole Hard Rock Hotel & Casino Tampa, The Westin Tampa Waterside, The Westshore Grand, Emerald Greens Condo Resort and Holiday Inn Tampa Westshore Airport.

The report gave this description of the Epicurean: "If memorable culinary experiences are what you’re after, this is the place for you. After checking in and surveying your digs, outfitted with a flat-screen TV, L’Occitane bath products and an in-room pantry, enjoy a meal at Élevage. Helmed by executive chef Chad Johnson, a 2014 James Beard Award semifinalist for Best Chef, the restaurant prides itself on its imaginative twists on fare from around the world. If you’re looking for innovative cocktails, this Autograph Collection outpost has you covered there, too: The hotel houses a rooftop bar with handcrafted drinks and tapas. Plus, the hotel caters to sweet-toothed guests with Chocolate Pi, the on-site patisserie. Once you’ve satisfied your taste buds, indulge in a treatment like a honey and wine wrap at Spa Evangeline."

Here are the best luxury hotels in Florida (none in Tampa Bay) according to the U.S. News report.

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1. Acqualina Resort & Spa in Sunny Isles Beach 2. Four Seasons Resort Orlando at Disney World 3. Eau Palm Beach Resort 4. Faena Hotel Miami Beach 5. The Ritz-Carlton, Amelia Island (Fernandina Beach, FL)

To read the U.S. News report, click here.

Caption: This Dec. 17, 2013 photo shows a guest room of the new Epicurean Hotel in Tampa. Tampa’s newest hotel is focused on food, with a restaurant, bakery, culinary theater, wine store and cooking classes onsite. (AP Photo/Chris O’Meara)

We are honored to be ranked #58 in @usnews 2018 "Best Hotels" List! Congratulations to our entire team!https://t.co/MlQWYFcSgi @TBBJEvents#UnlockTampaBay #LoveFL @VISITFLORIDA @VisitTampaBay #Travel pic.twitter.com/BoJxrNPAWO— Epicurean Hotel (@EpicureanHotel) February 7, 2018

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Tampa International Airport train and car rental center open Feb. 14, with big office project in the pipeline

In Phase II of its $2 billion expansion, Tampa International Airport plans to develop 17 acres with a 9-story office building, two hotels, shops and a convenience store and gas station. A new multi-story atrium would connect to both the office building and one of the planned hotels. Between the atrium and the SkyConnect train station would be an elevated pedestrian bridge. (Rendering courtesy of Tampa International Airport)

TAMPA — Tampa International Airport has spent nearly a billion dollars so far on its most ambitious expansion in decades, and it’s not nearly done.

On Feb. 14, the airport will open its new massive, airy and more convenient rental car building, with 2.6 million square feet of counter space, vehicle parking, maintenance facilities, and weather-sheltered pickup and drop-off areas.

At the same time, the airport’s new SkyConnect train will start carrying passengers the 1.4 miles between the main terminal and the car rental center. Meanwhile, the main terminal and airsides have gotten a makeover and will, by year’s end, have brought in nearly 70 new shops, restaurants and services.

PREVIOUS COVERAGE: Tampa International Airport morphing into a mini-city unto itself

Up next: a 17-acre Phase II, starting with a 9-story office building encompassing 270,000 square feet of space.

On Thursday, the Hillsborough County Aviation Authority voted to cut a list of potential developers for that building from five to three:

• Van Trust Real Estate, based in Kansas City, Mo., with a development team that includes JE Dunn Construction, HOK, Avison Young, the Walter P. Moore engineering company, VoltAir Consulting Engineers and Kisinger Campo & Associates.

• BTV Aviation Development, a partnership between longtime Tampa developers Dick Beard and Joe Taggart and Cushman & Wakefield executive Lou Varsames. Their team also includes AECOM, Batson-Cook, Trinity Sky Advisors, Citigroup Global Markets, Walter P. Moore, Tierra and Waveguide.

• Lincoln Property, based in Dallas with an office in Orlando, along with HuntonBrady Architects, VoltAir, Walter P. Moore, S&ME and Austin Commercial.

The other two bidders were GPPEJ Florida of Coral Gables and Foundry Commercial, a real estate, development and investment company headquartered in Orlando.

The three short-listed companies will now be asked to submit detailed proposals for the office building and garage. Though Van Trust and BTV were the top-two ranked companies, with just a few points separating their scores, those initial rankings won’t give any of them an edge in the next round of evaluations, airport officials said Thursday.

Airport officials expect to select a developer this fall with construction starting in spring 2019 and the new building opening in late 2020.

The developer the airport picks will build the offices at its own expense, but the airport plans to move about 60 percent of its staff into three floors of the building and is talking about buying the building three to five years after it moves in. The aviation authority needs to move some of its offices out of the main terminal anyway to make room for curbside improvements for passenger pickup and drop-off.

Along with the office building, Phase II of the airport expansion is expected to include two hotels, shops and a gas station and convenience store — plus an multi-story atrium connecting the offices and one of the hotels, and an elevated walkway between the atrium and the SkyConnect train station. The train recently completed a 30-day demonstration run with no problems.

STORY WITH VIDEO: A first look at Tampa airport’s shuttle trams

While the airport isn’t paying for construction of the office building, it does plan to cover costs associated with preparing the 17 acres for development ($13.5 million), building the atrium and pedestrian bridge ($53.6 million) and building out its own facilities on the three floors it leases ($42.5 million).

Airport revenues will cover nearly all of those costs, according to TIA spokeswoman Janet Scherberger. No state or federal grants will be used.

Contact Richard Danielson at rdanielson@tampabay.com or (813) 226-3403. Follow @Danielson_Times

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LandSouth Breaks Ground on The Related Group’s Latest Luxury Tampa Apartments

TAMPA, FL – LandSouth Construction, a Jacksonville, Fla. based general contractor specializing in multifamily, senior housing and mixed-use developments, broke ground on Town Westshore at Marina District, a 396-unit waterfront community being developed by Miami-based developer, The Related Group.

The luxury mid-rise apartments are being designed by MSA, a Miami-based architectural firm, and are slated for completion in the summer of 2019.

“Developments like Town Westshore are positioned to take advantage of the continued popularity, job, and population growth in the region,” noted LandSouth President and CEO James Pyle. “The Westshore Marina District is adding more options to the local housing market at a critical time. Bay area rents and home prices have soared, and there’s little to no inventory available, particularly on the waterfront.”

Town Westshore is one of four Related projects in the Tampa Bay area and is a part of a broader push into the Central Florida region by the developer. These projects are directed by Related’s Central Florida office and include Manor Riverwalk, Icon Harbour Island, Icon Central, Town Maitland among others.

“We see enormous potential in Tampa and are proud to be playing a role in the area’s rapid growth. We’ve built a reputation for creating projects that complement the surrounding area’s existing character and look forward to improving the region’s already high standard of living,” said Jeffrey Robbins, Vice President of Development for Related.

“This will bring us up to four projects we have been part of in the Tampa area in the past year and we don’t anticipate it slowing down. Tampa is embracing the demand for multifamily and mixed-use living which is driven by their growing millennial population,” said Joe Passkiewicz, LandSouth Construction, Senior Vice President of Development.

Proximity to the Crosstown Expressway and bridges to the Beaches and St. Petersburg will allow residents easy access to Downtown Tampa, The Tampa Aquarium, Amalie Arena, home of the NHL Tampa Bay Lightning and sold-out concerts, and Raymond James Stadium where the NFL Tampa Bay Bucs play and host to mega-events.

Residents will be able to choose from 11 spacious floor plans that will range from studio to three bedrooms. Each apartment home will feature luxurious fixtures and have access to shared amenities such as a waterfront walkway, fitness and yoga studios, saunas, massage treatment rooms, E-lounges, executive dining rooms and concierge services. Shopping, dining and a marina within walking distance is on the drawing board creating a true place to live, work and play on 51-acres.

In its 20-year history, LandSouth Construction has completed more than 15,000 multifamily units, including apartments, senior living, condominiums, and townhomes.

LandSouth Construction is currently working on apartments and mixed-use developments throughout the Southeast including Lawrenceville, Ga., Boynton Beach, Daytona Beach, Delray Beach, Sanford, Lakeland, Davenport, Casselberry, Odessa, Winter Springs and Orlando Fla., Chattanooga, Tenn., Mt. Pleasant, S.C. and senior housing in Bonita Springs and Fort Myers, Fla.

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Investing In Tampa FL Real Estate?

There are many things to consider when investing in Tampa FL real estate. The decision can be quite overwhelming for the first-time investor. A bad decision can ruin your investment as well as your future income-producing opportunities. That is why you need to be cautious when investing in real estate in Tampa FL. Here are some tips to consider when doing so.

The quality of the location and neighborhood will influence the type of renters that you attract to the property. Make sure that you take a closer look at the amenities and crime rate in the neighborhood before investing your hard-earned money in real estate in Tampa FL. Look for the proximity to public transportation, hospitals, medical centers, schools, universities, shopping malls, and other important places when buying real estate. These are what most of the renters will look for when renting out a home or apartment.

Make sure to get the services of a reputable real estate agent in Tampa when buying a property in the region. Most people hesitate to hire a professional realtor thinking that they will have to pay a percentage of the sales price to the realtor. But the seller is the one who has to pay the realtor and not the buyer. A good realtor can help you find the perfect property in the right neighborhood. That is why you need to get the help of such a professional when investing in real estate in Tampa FL.

In conclusion, if you plan to invest in real estate in Tampa FL, you have to consider so many things. Make sure you buy the property in the right neighborhood and use the services of a reputed real estate agent when doing so. That way you can easily buy the perfect property in the area.

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Found An Apartment In Tampa FL To Rent

I was looking for a new apartment to rent and I knew I wanted to stay in the Tampa FL area. My lease was going to be up soon and I wanted to find something that was affordable. I always had roommates other times I rented and this time I decided that I was going to live on my own. I had to find a one bedroom apartment that was a price I could afford. Ideally, I wanted one that would include the utilities in the rent.

I went online and searched for apartments in Tampa FL for rent. I found several apartments in the area when I searched online. One website I came across had several different listings and I could search by the price. I found a few that were really cheap, but they weren’t close to my job and I didn’t want to drive that far to work. I kept looking and narrowed my search results even more to include the location I wanted to live in.

I was able to see apartments in that area for rent and I could even see pictures of them. I was interested in a couple different places so I contacted the landlord through the website and they both called me within 30 minutes. I couldn’t wait to see these in person and made arrangements to look at them the next day.

After seeing where the first one was located and walking through it, I decided that it wasn’t right for me. The utilities were not included in the rent and I didn’t think I would be able to afford it. The second one I looked at had the utilities included in the rent and I was pretty happy with the location and the way the apartment was set up. I knew it was going to be perfect for me. I asked the landlord how I could go about renting it and he told me that he would need the deposit and rent for the month then I could get the keys then and there. I had my checkbook and wrote him a check for the amount he needed and got the keys. I started packing when I got home and got moved in within the next week. I like living on my own and without a roommate and I am glad I found an affordable apartment.

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How To Choose A Financial Planner In Tampa, FL

Properly managing your money is the best way to set yourself up for a comfortable financial future. If you are like most people, however, you probably weren’t born knowing how best to invest your money. Luckily, there are financial planners out there who can help you come up with a plan for how to make the most of the money that you earn.

When choosing a financial planner in Tampa, FL, you need to weigh your options carefully. After all, the person that you hire will have a direct impact on the overall success or failure of your investment strategy. Consider all of the following factors when deciding which financial planner to hire:

* Certification. Make sure that you only work with a certified financial planner. In order to become certified, financial planners have to take a number of different classes that thoroughly educate them on how to help people get the most out of their money. Certification also helps ensure that they are properly licensed and that they meet certain regulatory requirements.

* Reputation. A good way to find a reputable financial planner is by asking around. Talk to your friends and business associates to see if there are any professionals that they would recommend. You can even take your search online, reading reviews from other people in the Tampa area. By choosing a financial planner who has a solid reputation in the community, you are less likely to run into any trouble or to get bad advice.

* Fee structure. Most experts recommend working with a financial planner who charges an hourly rate rather than working on a commission structure. Financial planners who work on commission are generally more likely to try to push you in a particular direction with your investments. When you work with someone who charges an hourly rate, on the other hand, they are more likely to look for investments that are a good fit for your current finances rather than trying to push you one way or the other.

If you are getting ready to hire a financial planner in Tampa, FL, be sure to use these tips during the selection process. Anytime you are hiring someone to help you with your money, it is important that you choose a person who is truly an expert. Ideally, you should look for a financial planner who is properly certified and who has a great reputation.

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You living expectations are now high!

What apartments located in Lexington, KY have to offer to those who certainly love luxury livings? Well, all you can say that they are truly beyond imagination and are fully well-maintained with finest neighborhoods. This is not you can see very often or an ordinary person or general public can’t afford to access the same. You can sense the safe environment in such livings. Moreover, the 24-hours well – trained maintenance staff is always there keep the environment and property clean what.

The real state companies currently offering livings in luxury apartments are very much serious about the overall safety of their prestigious residents. This can be noticed from the time you enter in such high-class luxury residential apartment, where the staffs responsible for the security and they ensure that nobody other than the residents or their guests enter into the premises of the apartment. By doing this, they able to manage or you can say create more safer and secure environment, only allowing the residents of the apartments to be in the open at any point of time during the day or night time, without being worried about the unknown or stranger persons. Moreover, you can find the overall area which is supposed to be very calm and quiet during the night time and also freeing from the incoming noise of miscellaneous traffic and talking people.

Apart from extensive safety, excellent maintenance, and peach of mind, these apartments luxury apartments living includes some of the finest amenities and outclass service standards. The apartment rooms benefit from a very extensive variety of different amenities, which is defining the true definition of luxurious livings. There are some extraordinary facilities which these luxury apartments can provide in terms of:-

 Among the most attractive features of a luxury apartment include surroundings and open areas. There are many other facilities designed to make residents life more and more pleasing and enjoyable. In such apartments usually you can see wider terraces or balconies that offer extravagant views to the residents of the overall city. There are very large bathrooms and kitchens created while considering the comfort and ease of customers who have paid millions of dollars for their luxury livings. If you are among the pet lovers and worried about your loving pet; then sit back and relax. Most of these apartments are considered to be pet friendly. It totally depends upon the residents and their requirements which are supposed to be more suitable according to their need whether you need to have two or three bedrooms, etc. You can also choose from duplex type residences as well.

Another important aspect about living in a luxury apartment is the security and safety of your personally owned vehicles. Vehicle garages are given in suitable places in the residential area. You will certainly appreciate having a perfect place to park your vehicle.

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