Coastal Wealth Offers Comprehensive Financial Services

Posted on

Feb 01, 2018

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We have many offices across Florida including Fort Myers and Sarasota.
Our offices have diverse teams and more than 200 financial professionals and support staff, licensed in all 50 states, we serve more than 100,000 households in our community.
Coastal Wealth offers a superior client service experience focused on providing tailored, objective financial strategies to help clients reach their financial goals.

We are pleased to have earned a reputation of working one-on-one with our clients to provide holistic, comprehensive financial services. Our goal is to help people and businesses experience their personal best in terms of overall financial health. Rest secure in knowing we have a strong infrastructure that is dedicated to making our clients the number one priority.



Editors Note: For more information, please contact Trine Andersen, CRPC, Managing Director, Financial Advisor, 561-900-6070, tandersen@mycoastalwealth.com.

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The Impact of FTRI Specialized Phones: Enhancing Communication for Floridians

Since 1991, Florida Telecommunications Relay, Inc. (FTRI) has improved the lives of Floridians experiencing hearing loss and speech impairments, through its specialized telecommunications Equipment Distribution Program (EDP). Established by Floridas Telecommunications Access Systems Act (TASA) in response to the passage of the Americans with Disabilities Act of 1990, FTRIs EDP oers an array of devices designed to bridge communication gaps.  Per TASA, a monthly 7-cent surcharge on landline phone bills covers the cost of FTRI distributed equipment, and the Florida Relay Service.  By providing equipment at no cost to consumers, FTRI is empowering individuals to lead more independent lives while remaining connected to the world. Let's take a look at several FTRI specialized devices and explore some heartwarming client stories that illustrate their profound impact on everyday lives.   Understanding FTRI Specialized Phones   FTRI specialized equipment caters to a range of communication needs. The devices include amplified phones, cell phone amplifiers, captioned telephones, text telephones (TTYs), and alerting devices. Each type is engineered to address specific needs:   1.     Amplified Phones: These phones are equipped with volume controls that can amplify sound significantly, up to 50 decibels, making it easier for individuals with hearing loss to understand conversations. They also feature tone settings, loud speakerphones, back-lit buttons, and loud ringers.2.     Cell Phone Amplifiers: Amplifiers use Bluetooth technology to wirelessly   pair with smart phones (Android, iPhone).  These portable, rechargeable devices allow a user to enjoy many of the same features found on standard amplified phones, such as volume and tone controls, hearing aid compatibility, and loud speakerphones.   3.     Captioned Telephones:  These devices display real-time captions of the conversation on a large screen, helping those with severe hearing loss to  read what the other party is saying.  Screens can be customized to a users preference, and call transcripts can be saved for future review.   4.     Text Telephones (TTYs): TTYs allow individuals with hearing or speech impairments to communicate via typed messages.   5.     Alerting Devices: These include flashing lights and loud ringers to alert individuals to incoming calls.   Transformative Client Stories   Jack and His Amplified Phone   Jack, a 75-year-old retired teacher, began experiencing hearing loss a few years ago. As his hearing deteriorated, he found it increasingly difficult to keep up with phone conversations, particularly with his grandchildren who live out of state. The frustration of missing out on these precious interactions led him to seek help from FTRI.   Upon receiving the Clarity XLC8, John noticed an immediate improvement. The adjustable volume and tone controls allowed him to customize each call. For the first time in years, he could clearly hear his grandchildren's voices. The device not only restored his ability to communicate, but also brought immense joy back into his life, through an improved connection with his loved ones.   Dave and his Cell Phone Amplifier   Like so many other Floridians, Dave disconnected his landline years ago.  He relied on his iPhone to make all his phone calls. Over time, however, he found himself using texting to avoid making calls whenever possible, because the iPhones volume was simply not loud enough for him to hear conversations clearly.   Daves daughter reached out to FTRI with questions about the Clarity XLCgo Cell Phone Amplifier, hoping it might be easy enough for her father to operate.  Both father and daughter were delighted to learn that the XLCgo connects to smart phones by Bluetooth quite easily, and is designed to be used both at home and on the go.  Once Dave had paired his iPhone to the XLCgo and realized he could once again enjoy conversations over the phone, there was no looking back for him.   Maria and Her Captioned Telephone   Maria, a 62-year-old librarian, was diagnosed with profound hearing loss, which made phone conversations nearly impossible.  This posed a significant challenge in her life, where communicating over the phone was essential for both personal and professional reasons.  Feeling isolated and frustrated, Maria turned to FTRI for a solution.   FTRI provided Maria with a captioned telephone.  This device transformed her ability to communicate. The real-time captions allowed her to read conversations, ensuring she could understand every word spoken.  Saving call transcripts for future reference became routine for her, especially for calls with her doctor to discuss medications. The captioned phone improved her life by restoring her sense of independence, safety, and competence.   Sam and His TTY Device   Sam, a 45-year-old software developer, was born with a severe speech impairment. Communicating over the phone was always a daunting task for him, often requiring the assistance of a family member or colleague. This dependency made Sam feel self-conscious and restricted his ability to handle personal and professional matters independently.   FTRI introduced Sam to a TTY device and the Florida Relay Service, which revolutionized his communication experience.  The TTY allowed Sam to type his messages, which were then converted into voice for the person on the other end of the line by the Relay Service.  Likewise, he received typed responses that he could read. This device gave Sam the autonomy he craved, enabling him to manage personal communications without assistance. The TTY device empowered   Sam, boosting his confidence and fostering a greater sense of independence. The Broader Impact of FTRIThe stories of Jack, Dave, Maria, and Sam are just a few examples of how FTRI specialized phones are transforming lives across Florida. By providing these devices at no cost, FTRI is removing financial barriers that might otherwise prevent individuals from accessing essential communication tools. This initiative is fostering inclusivity, ensuring that everyone, regardless of their impairments, can stay connected with the world around them. Moreover, FTRI's eorts extend beyond just providing devices. The organization also oers training and support to help users get the most out of their specialized phones. This comprehensive approach ensures that individuals are not only equipped with the necessary tools but are also confident in using them eectively. To learn more about FTRIs Equipment Distribution Program, visit www.ftri.org, or call 800-222-3448.

10 Ways to Make Extra Money During Retirement

You might already be wondering how to make extra money during your golden years''. Even though youve planned for retirement for decades, its an enormous step into the unknown as you try to manage fixed resources for the long term. As you can imagine, its not easy. According to 2022 research, 1 in 4 retirees admit theyre spending more than they can afford. As inflation continues to rise, its no surprise that retirement savings arent stretching as far as they have before.To put it in perspective, consider the popular $1K per month rule. According to this strategy, you would need to set aside $240,000 to receive $1,000 per month in income. If you want to receive $2,000, you need $480,000, etc. This means you are withdrawing no more than 5% of your retirement account per year.Thats a whopping nest egg and enough to make anyone feel a bit insecure. But you can bolster your financial means with some extra income even during your retirement. Here are some common and practical ways to earn income without returning to the daily grind of your pre retirement years.1. Tutor OnlineSince the COVID pandemic, online teaching and tutoring have become the norm. You'll find a number of online tutoring sites like Wyzant or Preply. Online teaching sites like Udemy are also popular. These are great opportunities to spend just a couple of hours in the evenings making some extra moneyand actually helping people.If you have the education and credentials, you could create an online college-level course and teach it as an adjunct professor. This option would bring in some noteworthy income. And remember that college courses dont need to be core classes. You could teach on any subject that interests you, is in demand, and is approved by the college. Youll find lots of options to explore as you consider this route.2. Do Freelance or Consulting WorkDo you have a niche field? Many retirees find that their previous occupation lends well to consulting work or taking on projects. In either case, you can earn side income without returning to the job full time. For the most part, you can make your own schedule. You can kick-off this side hustle through an existing firm or start your own side business, working completely for yourself.While this might sound stressful, especially if youve previously owned your own business, its different in retirement. Your side gig isnt your main source, or only source, of income. The pressure is off, and you can take on only those projects you choose. And if its sovereignty youre looking for, then starting your own side business would be more beneficial than gaining projects through an existing firm.3. Write for MoneyWhile it can be tricky to make a consistent, stable, full-time living writing, it makes a great side hustle. With the advent of the internet and the universal appeal of blogs, writing for an income stream has become an obtainable reality. And writing comes much easier when you choose to write in a field with which you are familiar.Many companies and digital marketing firms hire writers directly or use an online, third-party content writing firm to acquire writers. Content writing services like Compose.ly, ContentFly, and Contently. These sites are eager to take on writers with experience in their clients specific fields. For instance, if youre a retired investment banker, sites like Compose.ly would be very interested in bringing you onboard as a finance writer who specializes in investments.Typically, content writing sites pay a bit less than writing directly for a company, but they also do all the work of getting clients and managing them. All you need to do is choose your projects and write them. As long as you meet a minimum quota per month (which usually isnt much), you can continue as part of their writing team.4. Teach EnglishAround the globe, English is in high demand, which means teaching English online is a great opportunity for native speakers. As with online content writing, there are websites that can connect you with people who want to learn the language. If you have a background in education, you may have an edge on certain positions. But there are many opportunities available even for non-teachers. In most cases, you can choose to work with adults or children depending on your preference.5. Sell Hand-Crafted ItemsAre you a closet artisan? Tax preparer by day and homemade jewelry maker by night? Whatever your creative ability might be, its probably marketable. The internet has made selling goods online a fairly simple endeavor.Consider making your handmade goods at home (or from another location) and selling them through an established site or one of your own. If online isnt your thing, you can also sell goods at local craft fairs or even advertise in coffee shops or crafty thrift stores.6. Pet Sit or Dog WalkIf youre an animal lover and have a fenced-in backyard, you can offer pet services as a lucrative side gig. As an average hourly wage, pet sitting is considered by some to be the best-paid side hustle.Money aside, canine companionship offers other benefits like reducing depression and increased activity. All that dog walking and frisbee throwing adds up and gets you out in the sunshine. And the best part is that you dont even have to own your own dog, which can have a hefty price tag attached. You get to enjoy the benefits of pets without actually having to pay for one.7. Rent Out a Room on AirbnbIts not unusual for retirees to have more houses than they need. If you have an extra room or two and live in an area that draws visitors, you can rent that additional space out on sites like Airbnb. 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You can decide how much time per day and week you want to spend caring for others.This can be a rewarding way to spend some of your retirement days and earn extra income as a retiree. If you dont personally know anyone in need of these services, agency websites can connect you with those who need basic care. When caring for the elderly, you might make sandwiches, act as a companion, or watch out for your patients general welfare.9. Help Out at SchoolSchools are often willing to pay for help. Whether public, private, or faith-based, most schools need substitute teachers, crossing guards, assistant athletic coaches, and assistant teachers. These roles dont require a degree in education and are often part time. Contact some schools near you and find out what they need. This is a great way to earn some extra money while staying close to home.10. Become a Mystery ShopperCompanies want feedback on their stores, products, and customer experience. They hire mystery shoppers to provide it. If you live in a large city, you'll have many mystery shopping opportunities close by. You can still be a mystery shopper if you live in a small city or rural area if youre willing to drive a little further.You can sign up with a mystery shopping agency and explore local opportunities with companies who have need of your services. These companies are looking for people who fit their product or companys customer demographics. If you are the age, gender, etc. of their primary customer base, they will be interested in bringing you on board as a mystery shopper.Bottom LineMany retirees find peace of mind by making some extra money during retirement. It can be helpful to take on a low-pressure side gig while you can. This list of common ways to supplement your income during retirement isnt conclusive but should get you thinking in the right direction. But remember to take on gigs and projects that you have familiarity with or enjoy. This will make the endeavor more enjoyable and less stressful.TYE Medical offers premium incontinence products in a variety of sizes and absorbency levels. Shop our online store for free and discreet shipping on all orders. 

The First 100 Days: A Survival Guide for New Professional Caregivers

Professional caregivers in Cape Coral serve a vital role in providing care and support to aging, ill, and disabled individuals. As someone new to the profession, you are embarking on an exciting career journey to make a meaningful impact on the lives of others. However, the first 100 days for new professional caregivers can be demanding, making it essential for them to find ways to manage workplace challenges as they present. What follows are survival tips and strategies every new professional caregiver should include in their 100-day strategy.New Professional Caregivers Face These ChallengesWhile even the most experienced caregivers face challenges that include physical ailments, compassion fatigue, and maintaining a work-life balance, those new to the profession are more likely to struggle with these issues:Emotional StressOne of the most significant challenges for new caregivers is coping with the emotional stress that comes with the job. Providing care for individuals who are sick, elderly, or disabled can be emotionally taxing, especially when faced with their pain, suffering, or deteriorating health.Lack of ExperienceMany new caregivers enter the profession with limited or no prior experience. This lack of experience can make it challenging to handle the various tasks and responsibilities that the job requires, from administering medications to providing personal care.Time ManagementProfessional caregivers must often juggle multiple tasks and responsibilities within a limited timeframe. Managing time effectively isnt always easy for new caregivers, especially when they are still learning the ropes.MiscommunicationWhile effective communication is essential in any profession, new caregivers often struggle to communicate effectively with patients, their families, and other healthcare professionals. Miscommunication can lead to misunderstandings, mistakes, and conflicts that can impact the quality of care provided.BurnoutCaregiving is a demanding profession that requires physical, emotional, and mental stamina. New caregivers may be at risk of burnout if they do not prioritize self-care and find healthy ways to cope with the stresses of the job.Survival Tips for New Professional Caregivers in Cape CoralFortunately, navigating caregiving challenges during the first three to four months on the job is possible by taking the right steps. As a new caregiver, heres what to include in your 100-day strategy:Find a MentorOne of the best ways to overcome the challenges of being a new caregiver is to seek mentorship from experienced colleagues. Once under their watchful eye, a mentor can provide guidance, support, and valuable insights to help you grow and develop in your role.Prioritize Self-CareTaking care of yourself is essential for providing quality care to others. Prioritize self-care by getting plenty of sleep, eating healthy, exercising regularly, and participating in activities that help you relax and recharge.Stick to a RoutineFollowing a daily routine can help you stay organized and manage your time effectively. Creating a schedule for tasks like medication administration, personal care, and meal preparation will help ensure you can meet your clients needs efficiently.Polish Your Communication SkillsEffective communication is a prerequisite for providing quality care. Take time to actively listen, ask relevant questions, and clarify information to ensure you understand the needs and preferences of your clients and their families.Learn All You CanContinuing education is essential in the caregiving profession. Stay updated on the latest practices, guidelines, and technologies through training programs, workshops, and online resources.Cultivate RelationshipsMaintaining positive relationships with your clients, their families, and coworkers can go a long way in enhancing the quality of care you provide. Show empathy, respect, and compassion in your interactions, and be open to feedback and collaboration.Practice Self-ReflectionTake time to reflect on your recent experiences, challenges, and successes as a caregiver. Self-reflection can help you identify areas for improvement, set growth and development goals, and celebrate your achievements along the way.In conclusion, the first 100 days as a new professional caregiver can be both demanding and rewarding, with growth and learning opportunities galore. Proactively identifying potential challenges and implementing the tips and strategies above will help you navigate your new role with confidence, compassion, and professionalism. As a new caregiver, embracing the journey ahead with an open mind and a willingness to learn will help ensure you make a meaningful impact in the lives of others as your exciting career plays out.Home Care: A Dynamic Career Option for New Professional CaregiversNew caregivers employed in institutional settings often work long hours with minimal guidance while performing the same tasks day after day. As a fresh career alternative, these are some of the advantages of working in the rapidly growing home care field:Scheduling FlexibilityJob flexibility is one of the primary advantages of working in home care. Unlike traditional caregiving settings, in-home caregivers have more control over their schedules. This scheduling flexibility can help minimize stress by allowing caregivers to balance their personal and professional lives more effectively. While choosing between part-time, full-time, or flex hours, caregivers can work shifts that best suit their needs, promoting a better work-life balance.Meaningful RelationshipsAnother significant benefit is the one-on-one nature of home care. While assisting clients in the comfortable surroundings of home, caregivers can build a strong rapport and develop a deep connection with clients and their families. This long-term care approach helps alleviate stress by fostering a heightened sense of purpose and fulfillment as caregivers witness firsthand the positive impact they have on their clients lives.Personalized CareAdditionally, being an in-home caregiver typically involves a more specialized and focused approach to caregiving. Unlike other settings where caregivers tend to have a wide range of responsibilities, home care allows caregivers to focus on specific tasks tailored to each clients unique needs. This care specialization can help minimize stress by allowing caregivers to develop expertise in specific areas and feel more confident in their abilities.Professional Growth and DevelopmentThere are many opportunities for in-home caregivers to enhance their skills and knowledge. Home care providers offer training programs, workshops, and certifications that help caregivers stay updated on best practices and improve their caregiving techniques. Caregivers can also choose to specialize in different areas, including dementia care, hospice care, and geriatrics.Job SecurityFinding a job when youre a new caregiver can be stressful. According to the U.S. Bureau of Labor Statistics, the demand for home care workers will remain high for at least the next 7 to 8 years, making it a virtually recession-proof occupation.While it still has challenges, many caregivers are now choosing to work in the dynamic home care field while supporting the needs of clients and their family caregivers for these reasons. Is home care your career calling?Professional Caregivers Wanted to Join Our Winning Home Care TeamAt Home Instead in Cape Coral, we understand the challenges new professional caregivers face and are committed to providing them with the tools and resources they need to succeed. Due to our expanding client load, we are currently seeking qualified candidates to fill several exciting caregiving positions. While proudly serving the Cape Coral, Alva, Boca Grande, Bokeelia, Burnt Store Marina, Matlacha, and North Captiva Island communities, we support clients and families with compassionate home care services, including Alzheimers and Dementia Care, Arthritis Care, Companionship Care, Diabetes Care, Elder Care, Home Helper Services, Hospice Care, Meals and Nutrition, Personal Care, Respite Care, 24-Hour Home Care, and Transportation.As a highly valued member of the Home Instead Cape Coral team, youll enjoy a fast-paced, positive work environment where open communication is valued and hard work is rewarded. We also offer competitive pay, flexible scheduling, ongoing caregiver skills training, and career advancement opportunities galore. No matter your experience level or education, wed love to hear from you! To learn more about our exciting job opportunities for professional caregivers, visit us now at www.homeinsteadswfl.com/cape-coral.