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August 15, 2019 Newswires
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Rubio gets feedback after Hurricane Michael

Northwest Florida Daily News (Fort Walton Beach)

Aug. 15--PANAMA CITY -- Federal government agencies need to be more nimble when helping people and businesses recover from natural disasters like last year's Hurricane Michael, U.S. Sen. Marco Rubio was told at a Wednesday hearing he convened at Gulf Coast State College.

Hurricane Michael, a Category 5 storm, made landfall near Panama City on the afternoon of Oct. 10, 2018, and devastated much of the eastern Panhandle. The storm all but destroyed Tyndall Air Force Base, a major economic engine for the area.

Rubio set up the hearing as chairman of the Senate Committee on Small Business and Entrepreneurship, and heard from a four-member panel comprised of Michael Myrhe, CEO of the Florida Small Business Development Center Network; Col. Brian Laidlaw, commander of the 325th Fighter Wing, Tyndall's host unit; Aaron Rich, owner of Aaron Rich Marketing, a small Panama City business, and Allan Bense, co-chairman of Rebuild 850, formed after the storm to provide ongoing hurricane recovery assistance.

Supplemental federal disaster assistance was slow in coming to the area after Michael because of congressional wrangling over immigration issues. The $19 billion package, some of which went to other areas of the country dealing with hurricane damage, was not approved until May.

At Tuesday's hearing, attended by a few dozen people including Florida Chief Financial Officer Jimmy Patronis, Panama City Mayor Greg Brudnicki and City Manager Mark McQueen, Rubio decried the delay.

"I wish Congress had risen above partisan politics and the games that are often played up there," Rubio said. "There was no one who could question at the time there was an immediate need for the federal government to assist our communities. ... Sadly, Northwest Florida and many survivors here became pawns in a shameful political game ... ."

Rich also was frustrated, by what he told Rubio was a lagging response to his ultimately successful application for a Small Business Administration loan. He sought the loan after his downtown Panama City office, which he had finished renovating just days before the hurricane, was severely damaged by the storm.

Rich wondered why, instead of getting his loan in a single lump sum, he received it in two installments, the last of which wasn't available until March. He also told Rubio that applying for the loan was difficult in terms of trying to gather the information and send paperwork in the midst of storm recovery.

"I had to make it the priority of my life," Rich said. Nonetheless, he called the loan initiative "a good program. It just is time-consuming."

Myhre's Florida Small Business Development Center Network in Pensacola set up 10 business assistance centers in 10 days across the area ravaged by Michael and dispatched two mobile assistance centers. He had a more general criticism of federal personnel working in the area in the aftermath of the storm, suggesting that they relied too much on canned responses rather than truly listening to people's needs.

"There's horror stories out there" with regard to the SBA's work in hurricane-ravaged areas, Myhre said. "This is a key reason why many people don't go to the SBA and seek disaster assistance," he said.

Bense offered Rubio a suggestion, particularly for federal Department of Housing and Urban Development working on storm relief issues. "You've got to give your HUD folks a little bit of leeway to make quicker and better decisions," he said. "There are folks out there who are hurting."

There was, though, some good news at the hearing about Tyndall. Laidlaw said 73 percent of the military and civilian personnel who had been at Tyndall before Hurricane Michael are back at work in recently repaired facilities such as the control tower and in other temporary facilities. If personnel relocated to nearby Eglin Air Force Base after the storm are included, 85 percent of Tyndall's pre-hurricane civilian and military personnel are back at work, he added. At full strength, 23,000 airmen and civilians are assigned to the base.

"The strong relationship between Tyndall and the community has only grown stronger in the aftermath of Hurricane Michael," Laidlaw told Rubio. "With exception of our F-22 (fighter jet) and T-38 (jet trainer) flying operations -- much of which we're now conducting out of Eglin, and our Non-Commisioned Officer Academy, which we plan to stand up sometime next year, we have fully resumed all of our missions at Tyndall."

In recent years, Laidlaw added, Tyndall has had a $600 million impact on the local economy. For the coming year, though, that impact is expected to skyrocket, Laidlaw said. While the impact of payroll and indirect jobs -- off-base jobs made possible by the presence of Tyndall -- is expected to be somewhere around $400 million, the ongoing need for repairs at the base and materials needed for those repairs is expected to have a $1 billion impact on the local economy. And that doesn't include the $3 billion to be spent in the next few years to transform Tyndall to house three F-35 stealth fighter jet squadrons and to build facilities to a standard able to survive a major hurricane.

"Tyndall Air Force Base is vital to our area," said Bense, who thanked Laidlaw for his work to bring the base back online. But Bense added that workforce issues remain a problem in terms of a lack of workers and an associated lack of housing.

"It'll be three to five years before we really ultimately recover," Bense said. "We need all we can get to improve our workforce."

In the meantime, Bense told Rubio that the area is struggling with a widespread public perception that it has already recovered from the hurricane, when the reality is that many people haven't yet even received the insurance settlements they'll need to rebuild their homes.

"We're clearly off everyone's radar," Bense said. "It's still complicated around here. It clearly is better now than it was 10 months ago, but we've got a long way to go."

"This is not going to be the Forgotten Coast," Rubio assured Wednesday's audience, "but we've got to stay on it."

___

(c)2019 the Northwest Florida Daily News (Fort Walton Beach, Fla.)

Visit the Northwest Florida Daily News (Fort Walton Beach, Fla.) at www.nwfdailynews.com

Distributed by Tribune Content Agency, LLC.

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August 18, 2026 Newswires
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The conversation almost no advisor is having yet

Why you should discuss funeral preplanning with clients (AI-generated image)
By Adam Sheer

Here is something that happens more than anyone in this industry likes to admit. A client dies. You've managed their money for 15 years. You know their kids' names. And within a year, the surviving spouse is gone too; not because they died, but because they walked away and took the assets to another advisor.

Adam Sheer

It's not personal. It's not because you did a bad job. It's because somewhere along the way, you were the name on the statements, not the person the family trusted when things became difficult.

Here's the statistic that should stop you cold. Between 70% and 90% of surviving spouses leave their advisor within a year of the client's death. That statistic gets repeated constantly in this industry, and almost nobody has fixed it. The usual advice - invite the spouse to more meetings, check in more often - treats a symptom. It never touches the real cause, which is that the relationship with the surviving family usually isn't real until grief forces it to be, and by then it's too late.

There's a conversation that fixes this at the root, and almost no advisor is having it.

It's funeral preplanning. And before you picture caskets and floral arrangements, stop, because that's not what this is. This is a financial planning conversation with real emotional weight, which happens to be exactly the kind of conversation you already own. Long-term care. Legacy wishes. What happens to the business after a client’s death. You built your practice on having the hard conversations everyone else avoids. This is simply the one you haven't added yet.

Only about one in five funerals in the U.S. are preplanned, according to the National Funeral Directors Association. Sit with that for a second. Four out of every five families you'll ever serve are going to walk into a funeral home for the first time on the worst day of their lives, unprepared, overwhelmed, making decisions they've never made before, under pressure. It's not because they don't care. Research from The Foresight Companies' Funeral and Cemetery Consumer Behavior Study found that 46% of consumers now say they'd rather handle funeral arrangements virtually than sit across from someone at a funeral home; this is up from 34% before the pandemic. People don't want the traditional experience. Nobody has offered them anything else.

Here's the part that should really get your attention. That same research found the single biggest education gap in the entire funeral profession is preplanning itself. Funeral professionals believe they're communicating this well. Consumers say they're barely hearing it at all. That gap is sitting wide open right now, and you are exactly the person who can walk through it.

Why you? Because you're already in the room. You're already having the retirement income conversation, the legacy conversation, the “what happens when I'm gone?” conversation. Adding preplanning to that conversation isn't a stretch. It's the piece that makes everything else you've built hold together when it matters most.

When a parent dies without a plan

There's a human reason to care here too, and it matters as much as the business case. When a parent dies without a plan, it's the surviving spouse or the adult children who spend hours in a funeral home, grieving, sleep-deprived, making decisions they've never made before, at the exact moment they're least equipped to think clearly. If you've ever wondered what it really means to protect a family, this is it. Not just their money. Their hardest week.

The technology that once made this hard to offer directly isn't a barrier anymore. Point-of-sale software now lets a licensed professional guide a client through the entire preplanning process, from selecting arrangements to submitting the insurance application, in about 40 minutes. Shorter than most client reviews. It fits inside a meeting you're already having. Confirm the licensing requirements in your state, but the operational excuse that once existed is gone.

So picture it. You bring this conversation into your practice. You become the advisor who protects families from more than market volatility, the one who thought ahead about the day nobody wants to think about. The relationship with the surviving spouse isn't built in a rushed meeting during probate. It's already there, because you were there years earlier, when it mattered.

Right now, almost nobody in financial services is having this conversation. That means the advisors who start now aren't just adding a service. They're building trust their competitors can't copy, because it was earned long before anyone tested it.

The clients who need this most will never bring it up themselves. They're waiting for someone they trust to make it easy. That's you. The only question is whether you start now, while this is still rare, or wait until everyone else figures out what you already know.

 

© Entire contents copyright 2026 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.

 

 

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