Home' Island Sun : ISN 082115 Contents 31
ISLAND SUN - AUGUST 21, 2015
2242 Periwinkle Way,
Suite 3 in
BBooaatt DDoocckkaaggee AAvvaaiillaabbllee
2nd floor Mariner Pointe
2 bedroom 1st tier back from
bay. Great water views. This
nearby boat dock area is
undergoing renovation, will
soon be ready for your boat.
Fishing pier, 2 pools, tennis,
on-site manager, & beach
LLoonngg LLaakkee VViieeww
Near-beach split-plan with big
screened pool & 2 waterside
decks. Great room has vaulted
ceilings & fireplace. Master
suite with adjoining sitting
room or den. Community amid
preserved land & with shared
tennis court & picnic area.
Beach access too. $749K
Corner privacy & this tropical
view to gulf from Sundial
#R401. Remodeled top-to-
bottom. Diagonal tile. Open
kitchen with granite
countertops, stainless steel
furnished to ensure a perfect
vacation. $799K with bookings
RRiigghhtt oonn TThhee BBeeaacchh
Cheerful gulf-front Sanibel
Surfside 2 bedroom. East-end
convenience & already has
earned $50K+ this year. Fully-
equipped with excellent rental
history. Bright white open
kitchen & cottage-style décor.
Fully turn-key with 2016
bookings too. $874K
Custom cul-de-sac home in
private golf community. 1 -level
living with stunning great
room opening to expansive
outside living area (pool &
spa). Views 9th fairway to
lake. Master suite, separate
office/den, two guest suites,
2+car garage. $1.35M
BBaayy VViieeww WWaallkk--OOuutt
Easy ground-level living with
parking right outside the
front door. With updated
kitchen & glassed lanai, it
won’t take much to
personalize this 2 bedroom at
Mariner Pointe. Community
pools, tennis, dockage,
fishing pier, & more. $499K
WWeesstt GGuullff DDrr WWeeeekkllyy RReennttaallss
Few gulf-front complexes
beyond Tarpon Bay Rd allow
weekly rentals. Sand Pointe
does! #122 is 2nd floor w/gulf &
sunset views. 2 bedrooms,
updated kitchen & baths. 2015
income already nearly $40K.
Good bookings for 2016 too.
JJuusstt OOffff IIssllaanndd
Gated community of Laguna
Lakes between Bass Rd &
Gladiolus Dr. Amenities
include clubhouse, pools,
tennis, spa, fitness, billiard
room, volleyball. Custom
5 bedroom 4 bath with family
room, private pool, oversized
garage & more. $549K
2nd floor ~1130 sq. ft.
2 bedroom. This waterway
view to marina. Remodeled to
be a 2nd residence, but would
make an outstanding rental
too. Handy to boat docks &
bayside pool. Near end of
Mariner Pointe’s private
LLooookkiinngg ttoo BBuuiilldd?? Over 1/2 acre overlooking intersecting canals in east-end Shell Harbor. Easy on-off island & beach access next to Sanibel Inn. $749K
It was a very trying and difficult time when my mother was
being treated for acute myeloid leukemia at the MD Ander-
son Cancer Center in Houston, Texas. After discovering
that she had the disease through her local doctor, we flew to
Houston to get the best advice and care possible.
“There are several protocols available for AML...” the doc-
“What’s a protocol?” I asked.
“It’s a clinical trial.”
“As in experimental?”
“Yes. She needs a stem-cell transplant. But before she gets
that there are a number of chemotherapies available, and many of them are in the
“I thought she needed a bone marrow transplant...” I asked.
“She does. A stem cell transplant is the medical term. Lay people call it a bone
Don’t get me wrong, the staff and physicians at MD Anderson were very helpful.
They were professional, caring and knowledgeable. Everything that one would want
when facing such a terrible diagnosis.
But doctors speak a different language. I learned that during our time (my moth-
er has survived two bone marrow transplants there) that I don’t understand a lot of
what they were telling us. They’d give us manuals to take home and read. The next
morning we would have meetings to discuss them and to arrive at decisions related
to my mother’s care.
It was all so overwhelming. I consider myself intelligent – I have two accounting
degrees and a law degree – but the language that the doctors used, their vocabulary
and acronyms, were foreign to me.
I keep how I felt in Houston in mind when I’m dealing with my estate planning
clients. They’re smart people. Many of them, however, don’t have a legal, tax or
financial background, so many of the words and phrases that are commonly used
are foreign to them.
Many are afraid to ask questions – they may view them as too basic. “What’s a
trust?” for example. Or “what is the difference between a trust beneficiary and a
No question is too basic to ask of your attorney, CPA or financial advisor. They
are there to guide you and help you make informed decisions. If you don’t under-
stand the words and phrases that they are using to give you the background infor-
mation you need, then you should ask them to explain.
Because ultimately the client has to make his or her own decisions based upon
his or her own goals and risk tolerance. I’m frequently asked the question “What
would you do in my situation?” I hesitate to answer that question because my risk
tolerance may be much higher than the client to whom I am speaking.
But I was on the other side of that equation when in Houston. The thing about
medical clinical trials is that there are usually two or more choices the patient must
select from. But once the selection is made, it is irreversible. The decisions you are
asked to make are life and death.
So when confronted with the choice, I asked the physician what he would do.
“I’m not allowed to tell you that,” he said.
To hear that was frustrating. He explained that in clinical trials it is important
that the patients not be swayed by their physician’s bias. So I went about it a differ-
“Where was ‘Protocol A’ first developed?” I asked.
“Seattle Cancer Center,” he answered.
“And where was ‘Protocol B’ developed?”
“Sloan Kettering in New York.”
“Where were you trained?”
“Did you get excellent training there?”
“We’re going with Protocol A then.” I said.
Maybe my legal training helped in arriving at the answer. Despite only a 10 per-
cent chance of survival (as the doctors first told us) my mother made it through the
transplant. It’s important to know that questions are okay. You saw in that inter-
change the doctor didn’t hesitate to give me the information I wanted so long as he
didn’t violate the rules.
Same goes with law and accounting. We don’t have clinical trials, but we always
prefer that the client make an informed decision. It’s fine for you to ask questions
until you feel that you both understand the choices, including the advantages and
consequences of your decisions.
©2015 Craig R. Hersch. Learn more at www.sbshlaw.com.
by Craig R. Hersch, Florida Bar Board Certified
Wills, Trusts & Estates Attorney; CPA
Our email address is firstname.lastname@example.org
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