Saturday State of Mind

After building generational wealth and creating trusts, you expect to leave a lasting legacy and provide for your beneficiaries. But today’s episode reveals how even the best intentions can unravel in ways no estate documents can prevent.

We’re thrilled to welcome back attorney Liz Nolin of Nolin Law to discuss the Nathan Carman case—a chilling and unsettling New England story where money, mental health, and inheritance collide.

Liz shares the real events involving the unsolved murder of Nathan’s grandfather, the disappearance of his mother at sea, and the family’s legal battle over a multi-million-dollar estate, illustrating how even the best-drafted estate documents can’t control human behavior.

Ultimately, this episode highlights the main lesson: even the most carefully planned estate documents cannot control the unpredictable nature of human behavior. We’ll discuss how anticipating emotional conflict is essential, and why it’s critical to consider how money might affect your family in difficult times, both positively and negatively, before deciding what legacy to leave behind. 

KEY TAKEAWAYS: 

• The Tragic Real Life Case of Nathan Carman
• Nathan Inherites 6 Figures from His Grandfather
• A Fishing Trip with Nathan’s Mom Ends in Tragedy
• Suspicions Around Two Family Deaths Arise
• Nathan Carman Is Found Dead In Prison
• A Great Estate Plan Doesn’t Solve Everything
• How An Inheritance Creates Bigger Problems

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/nathan-carman-story

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Retirement is often thought of as a dream season of life—but what happens when couples have different visions of what that dream looks like? Whether it’s disagreements about spending, travel, or simply how one person is more active than the other, these differences can quickly escalate from small frustrations into ongoing tension.

In this episode, we explore how couples can navigate conflict and find alignment before and during retirement. From the spender-versus-saver dynamic to staggered retirement dates, these issues often start—not about money—but with a lack of communication. 

With proper planning and open communication, retiring spouses will have a better understanding of each other’s goals and expectations, can make more informed decisions about when to retire, how to manage their finances, and what kind of lifestyle they want to create together.

By having these conversations early, you’ll be able to make the most of this next chapter together.

KEY TAKEAWAYS: 

• The Real Source of Conflict in Retirement
• Why Communication Is More Important Than Money
• When One Spouse Wants to Retire Before the Other
• Making Compromises as a Spender vs Saver
• How Financial Advisors Help Mediate & Bridge the Gap

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/how-couples-can-avoid-conflict-in-retirement

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Retiring early might sound like a great idea to those who are in a position to do so, but most people don’t realize that there are hidden costs associated with making that decision. From outrageous healthcare premiums to the cost of claiming Social Security early, there are significant expenses that can erode the nest egg that you’ve worked so hard to create.

Today, we’re exploring the lesser-known financial and emotional realities that come with leaving the workforce before the age of 65. We’ll explain why most people underestimate just how much longer their money needs to last if they retire even a few years early and how the gap before Medicare eligibility can become a significant monthly expense.

We also discuss the psychology of money and how drawing on savings instead of relying on a paycheck or Social Security alters the way people think and spend their money. Early retirement can be a reality, but having a financial plan that accounts for these additional expenses can reduce stress, allowing you to enjoy your retirement years instead of worrying about whether you have enough to make it through.

KEY TAKEAWAYS: 

• Why the Average Retirement Age is Getting Younger
• The Emotional Burnout That Pushes People to Retire Early
• The Hidden Costs of Healthcare Before Age 65
• How Retiring Early Impacts Social Security Benefits
• The Psychological Impact of Spending Your Nest Egg Early

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/hidden-costs-of-retiring-early

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

When most pre-retirees begin preparing for retirement, they often assume their income tax bills will be lower in the future. Which is a fair assumption because if the regular paychecks stop, then the taxes owing should be lower, right? But that’s not always the case.

In this episode, we’re breaking down why that assumption doesn’t apply to everyone and how taxes can quietly sneak back into your life if you’re not prepared. We’ll explain the difference between tax preparation and tax planning, and why filing your taxes once a year isn’t the same as creating a long-term strategy to protect your wealth.

We also discuss why today’s “permanent” tax cuts are not guaranteed to remain in place forever and how rising rates could affect retirees in the years ahead. We also discussed how Social Security and required minimum distributions (RMDs) can impact Medicare surcharges and how much money you actually get to keep from Uncle Sam.

KEY TAKEAWAYS: 

• The Difference Between Tax Preparation and Tax Planning
• Why Taxes in Retirement Can Sneak Up on You
• How RMDs Can Trigger Higher Taxes and Penalties
• The “Hydra” Effect of Taxes
• How Proactive Planning Helps Keep More of Your Money

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/financial-planner-taxes-in-retirement

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Have you ever felt like you knew someone pretty well, and then sat down with them in a different setting, only to be blown away by how much you didn’t know? That’s what happened to us when we sat down with Jim and Vicki Gotay.

If we had to pick a theme for this episode, it would be about the beauty and power of second chances. And Jim and Vicki Gotay’s story is a testament to their resilience and faith in making an impact with their lives to create better outcomes for others. 

Whether it’s building orphanages in Central America to give second chances to kids who’ve barely had a first chance in this world or volunteering in their local community, they’ve made it their mission to live each day with intention and give back to those who are less fortunate.

Their journey together is nothing short of remarkable. Their second chance at love has been a partnership built on a shared calling to do more and serve others. From overcoming hardships in childhood and early adulthood to finding true happiness with each other, Jim and Vicki’s story is beyond moving and inspiring.

In this episode, they open up about their experiences with mission work, the lessons it’s given them about perspective and gratitude, and their hopes for the future in retirement. They share how faith guides every step they take and what it means to leave not just a legacy, but a living legacy—not one that impacts only their children and grandchildren, but also their community and others around the world.

KEY TAKEAWAYS:

• A Retirement Shaped by Service and Volunteer Work
• Discovering Their Calling On Their First Mission
• Eye-Opening Experiences Serving in Guatemala & Jamaica
• How Mission Work Gives a New Perspective on Life
• Becoming a Mama and Papa Bear to Orphans
• Grappling with Leaving Communities Behind After Missions
• How Jim & Vicki First Met 
• Vicki’s Journey Through Loss and Finding Love Again
• Second Marriages, Parenting, and Learning from the Past
• Childhood Challenges, Foster Care, and Choosing Joy
• Jim’s Military & Special Forces Years
• Overcoming Bankruptcy, Career Struggles, and Rebuilding
• Finding Trust in a Financial Advisor and Peace of Mind
• What Jim & Vicki’s Ideal Saturday Looks Like

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/jim-vicki-gotay

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

This episode features a client engaged with Arcadia as of this recording, who is sharing their personal experience. Their opinions are their own and do not necessarily reflect the views of Arcadia. This client received a token of appreciation of nominal value for their participation. They were not promised or provided additional compensation, preferential treatment, or investment advice for appearing.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation. 

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

For most, retirement planning means focusing on saving, sacrificing, and delaying gratification. Yet when the paycheck stops, many retirees unexpectedly struggle with the confidence to spend the money they’ve worked so hard for. 

In this episode, we’re exploring the emotional roadblocks that prevent retirees from fully enjoying their wealth, ranging from fear of running out of money to waiting endlessly for “the right time” to spend, due to market or geopolitical conditions.

We’re discussing why the very habits that help people build wealth—discipline, thrift, and caution—can make it challenging to transition into confident spending in retirement. 

Ultimately, retirement isn’t just about having money—it’s about using it intentionally to create memories, enjoy freedom, and, as we like to say, “Live every day like it's Saturday.” With proper planning, working with a financial professional can provide the clarity and reassurance retirees need to confidently embrace this new phase of life.

KEY TAKEAWAYS: 

• Why Spending in Retirement Feels Difficult
• Waiting for the “Right Time” to Spend Rarely Works
• How a Financial Plan Gives You Permission to Spend
• The Best Financial Plans Are Tested with Scrutiny

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/psychology-of-spending-money-in-retirement

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

When it comes to estate planning, many people procrastinate or avoid the conversation altogether. The reality is that most of the hesitation comes from myths—false beliefs that estate planning is only for the wealthy, that a will is enough, or that creating a trust means giving up control. These misconceptions prevent families from taking the necessary steps to protect their loved ones and assets.

And we’re thrilled to welcome Attorney Liz Nolin of Nolin Law back to the podcast to help us speak truth and debunk the most common myths. Liz specializes exclusively in estate planning and helps clients understand that proactive planning is not about fear—it’s about creating peace of mind. With her straightforward approach, she debunks the biggest myths and shows how planning ahead can save families time, money, and heartache.

From probate delays to estate tax ramifications, Liz explains why putting off these important conversations can create an even bigger mess in the long run. Simply put: whether you have children, assets, or people you care about, estate planning matters. And with Liz’s straightforward approach, she simplifies the complex and explains how getting your estate planning done sooner rather than later can save families time, money, and heartache.

KEY TAKEAWAYS: 

• Myth #1: Estate Planning Is For Retirees/Older People
• Myth #2: A Will Is Enough to Skip Probate
• Myth #3: Estate Planning Is Too Expensive
• Myth #4: I Don’t Have Kids So I Don’t Need a Plan
• Myth #5: I Don’t Control the Money If I Create a Trust

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/liz-nolin-myths-about-estate-planning

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

When planning for retirement, most people focus on saving, investing, and ensuring their money lasts. However, what is often overlooked is just as important—your health. Without the right habits, routines, and proactive decisions, even the best financial plan can fall apart if poor health gets in the way of enjoying retirement. 

In this episode, we’ll explore the critical connection between your health and an enjoyable retirement. We explain how small, consistent steps—like nutrition, exercise, and stress management—compound over time, just like your investments. 

The reality is simple: money can’t buy back your health, but taking care of yourself today can give you more freedom tomorrow. Ultimately, prioritizing your health today creates more opportunities to enjoy your wealth, freedom, and the people you love in the years ahead.

KEY TAKEAWAYS: 

• Life Expectancy Is Headed In the Wrong Direction
• Wealth Without Your Health Defeats the Purpose
• The 3 Phases of a Typical Retirement Journey

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/health-in-retirement

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

Growing up in large families with modest incomes, Tom and Tracy Untiet learned early on that while they didn’t have much, they always had what they needed. From sharing space in multi-family homes to parents stretching paychecks with side jobs, these experiences shaped their outlook on money and instilled lifelong habits of working hard, budgeting, and saving money whenever possible.

In this episode, Tom and Tracy share their journey from growing up in large families with limited resources to carving their own path as a young couple. Now that they’re retired, they talk openly about what it really means to “live every day like it’s Saturday.” From budgeting exercises that reshaped their perspective, to learning that it’s okay to spend and enjoy their money, their story is one of balance—between caution and enjoyment, planning and freedom, work and leisure.

Their reflections on family, marriage, and financial planning not only inspire wise preparation but also underscore the importance of embracing the freedom to enjoy the rewards of hard work.

KEY TAKEAWAYS: 

• Introducing Tom & Tracy Untiet
• Childhood Memories Growing Up In Big Families
• Life Was Simpler, Even on Modest Means
• How Tom & Tracy First Met as Teenagers
• Marriage, School, and Changing Careers
• Their Formative Years and Relationship with Money
• Getting Started with Investing, Stocks & 401(k)s
• Proudest Memories of Being Parents
• The Journey of Finding a Trusted Financial Advisor
• Retirement Transitions: Identity, Balance, and Freedom
• Why Tom (and Men) Often Struggle with Retirement
• How Good Savings Habits Creates Opportunities
• Telltale Signs That You Nailed Your Retirement Goals
• Rapid Fire with The Untiets Favorite Things & Memories
• Tom & Tracy’s Best Marriage Advice 

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/tom-tracy-untiet

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

This episode features a client engaged with Arcadia as of this recording, who is sharing their personal experience. Their opinions are their own and do not necessarily reflect the views of Arcadia. This client received a token of appreciation of nominal value for their participation. They were not promised or provided additional compensation, preferential treatment, or investment advice for appearing.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.

When most people think about estate planning, their minds go straight to wills, trusts, and what happens after they’re gone. But what about protecting yourself and your family while you’re still living? A medical crisis can come out of nowhere, and without the right documents in place, loved ones often deal with confusion, delays, and heartbreaking decisions they were never prepared to make.

In this episode, we’re thrilled to welcome attorney Liz Nolin back on the podcast to explore the often-overlooked side of estate planning: medical planning. Liz shares why documents like advance directives, living wills, dementia directives, HIPAA waivers, and final disposition instructions are essential—not just for honoring your wishes, but also for relieving your family of overwhelming guilt and stress during the most difficult moments that families deal with.

From understanding the difference between a living will and an advance directive to avoiding the myth that “my spouse or parents will automatically handle everything,” Liz shares her expertise and the practical steps you can take to protect yourself and your loved ones. Whether you’re 18 or 80, she explains why medical planning is one of the greatest gifts you can give your family.

KEY TAKEAWAYS: 

• One Medical Document Everyone Should Have
• Medical Documents Prevent A Lifetime of Guilt 
• How Not Having Medical Plans Wastes Valuable Time 
• The Most Common Myths About Medical Planning
• DIY Forms vs. Custom Legal Guidance
• Liz’s Three Pieces of Advice for Medical Planning

SHOW NOTES

Get full access to the show notes and resources mentioned by visiting: https://arcadia.financial/liz-nolin-aging-and-medical-issues

DISCLOSURE:

Arcadia Wealth Management, LLC (Arcadia) is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) and the state of New Hampshire. The information presented in this video is for educational and informational purposes only and is intended for a broad, general audience. It is not intended as, and should not be construed as, an offer, solicitation, or recommendation to buy or sell any securities or to adopt any investment strategy. All investments involve risk, including the potential loss of principal. Past performance is not indicative of future results. Any references to investment strategies, philosophies, or client experiences are illustrative and may not be representative of all clients or outcomes.

Arcadia Financial has a reasonable basis to believe that this content does not include any false or materially misleading statements and presents information in a fair and balanced manner. No portion of this communication should be construed as tax, legal, or accounting advice. Please consult your own tax or legal professional for guidance specific to your situation.

Investment advisory services are provided through Arcadia Wealth Management, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Arcadia Financial Group, LLC, by appropriately licensed agents. Bookkeeping and tax preparation services are provided by Arcadia Tax, LLC. These affiliated entities operate independently but are under common ownership.