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''+it.date+' ' : '') + ''; }); document.getElementById('pclh-breaking-list').innerHTML=html; document.getElementById('pclh-breaking-wrap').classList.add('on'); }) .catch(function(){}); /* ── WEATHER ALERTS (NWS official watches / warnings) ── */ window.pclhToggleAlert=function(){ var d=document.getElementById('pclh-alert-detail'); d.style.display = (d.style.display==='block') ? 'none' : 'block'; }; fetch('https://api.weather.gov/alerts/active?point='+LAT+','+LNG) .then(function(r){ if(!r.ok) throw 0; return r.json(); }) .then(function(d){ if(!d.features||!d.features.length) return; var order={'Extreme':4,'Severe':3,'Moderate':2,'Minor':1,'Unknown':0}; var alerts=d.features.slice().sort(function(a,b){ return (order[b.properties.severity]||0)-(order[a.properties.severity]||0); }); var a=alerts[0].properties, banner=document.getElementById('pclh-alert'); var evt=(a.event||'Weather Alert'), lower=evt.toLowerCase(); if(lower.indexOf('warning')!==-1||lower.indexOf('hurricane')!==-1){banner.className='';} else if(lower.indexOf('watch')!==-1){banner.className='watch';} else {banner.className='advisory';} var ic='\u26A0\uFE0F'; if(lower.indexOf('heat')!==-1) ic='\uD83D\uDD25'; else if(lower.indexOf('hurricane')!==-1||lower.indexOf('tropical')!==-1) ic='\uD83C\uDF00'; else if(lower.indexOf('tornado')!==-1) ic='\uD83C\uDF2A\uFE0F'; else if(lower.indexOf('thunder')!==-1||lower.indexOf('storm')!==-1) ic='\u26C8\uFE0F'; else if(lower.indexOf('flood')!==-1) ic='\uD83C\uDF0A'; else if(lower.indexOf('rip current')!==-1) ic='\uD83C\uDFCA'; else if(lower.indexOf('wind')!==-1) ic='\uD83D\uDCA8'; banner.querySelector('.ic').textContent=ic; document.getElementById('pclh-alert-text').textContent = evt.toUpperCase() + (alerts.length>1 ? ' (+'+(alerts.length-1)+' more)' : ''); banner.style.display='block'; var html=''; alerts.forEach(function(f){ var p=f.properties; html += '**'+(p.event||'Alert')+'**'+(p.headline?p.headline:'')+ (p.description?''+String(p.description).substring(0,450).replace(/\n/g,' ')+'… ':'')+ '--- '; }); document.querySelector('#pclh-alert-detail .wrap').innerHTML=html; }) .catch(function(){}); /* ── WEATHER · WIND · UV · FORECAST · SUN ── */ var wCodes={0:['Clear','\u2600\uFE0F'],1:['Mainly Clear','\uD83C\uDF24\uFE0F'],2:['Partly Cloudy','\u26C5'],3:['Overcast','\u2601\uFE0F'],45:['Fog','\uD83C\uDF2B\uFE0F'],48:['Fog','\uD83C\uDF2B\uFE0F'],51:['Drizzle','\uD83C\uDF26\uFE0F'],53:['Drizzle','\uD83C\uDF26\uFE0F'],55:['Drizzle','\uD83C\uDF26\uFE0F'],61:['Light Rain','\uD83C\uDF27\uFE0F'],63:['Rain','\uD83C\uDF27\uFE0F'],65:['Heavy Rain','\uD83C\uDF27\uFE0F'],80:['Showers','\uD83C\uDF26\uFE0F'],81:['Showers','\uD83C\uDF26\uFE0F'],82:['Heavy Showers','\u26C8\uFE0F'],95:['Thunderstorms','\u26C8\uFE0F'],96:['Thunderstorms','\u26C8\uFE0F'],99:['Thunderstorms','\u26C8\uFE0F']}; fetch('https://api.open-meteo.com/v1/forecast?latitude='+LAT+'&longitude='+LNG+ '&current=temperature_2m,apparent_temperature,weather_code,wind_speed_10m,wind_direction_10m,uv_index'+ '&daily=sunrise,sunset,temperature_2m_max,temperature_2m_min,weather_code,precipitation_probability_max'+ '&temperature_unit=fahrenheit&wind_speed_unit=mph&timezone=America/New_York&forecast_days=1') .then(function(r){return r.json();}) .then(function(d){ var c=d.current, wc=wCodes[c.weather_code]||['—','\uD83C\uDF21\uFE0F']; var temp=Math.round(c.temperature_2m), feels=Math.round(c.apparent_temperature); var feelsTxt=(Math.abs(feels-temp)>=3)?'feels '+feels+'°':''+wc\[0\]+''; document.getElementById('ci-wx').innerHTML=''+wc\[1\]+'**'+temp+'°F**'+feelsTxt; var dirs=['N','NE','E','SE','S','SW','W','NW']; var dir=dirs[Math.round(c.wind_direction_10m/45)%8]; document.getElementById('ci-wind').innerHTML='\\uD83D\\uDCA8'+dir+' '+Math.round(c.wind\_speed\_10m)+' mph'; if(c.uv_index!=null){ var uvr=Math.round(c.uv_index),cls,lbl; if(uvr\u2600\uFE0FUV '+uvr+' '+lbl+''; } if(d.daily){ var hi=Math.round(d.daily.temperature_2m_max[0]); var lo=Math.round(d.daily.temperature_2m_min[0]); var pop=d.daily.precipitation_probability_max?d.daily.precipitation_probability_max[0]:null; var fwc=wCodes[d.daily.weather_code[0]]||['','\uD83D\uDCC5']; var fc=''+fwc\[1\]+'Today '+hi+'° / '+lo+'°'; if(pop!=null&&pop>0) fc+=' · '+pop+'% rain'; fc+=''; document.getElementById('ci-fc').innerHTML=fc; var sr=new Date(d.daily.sunrise[0]).toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); var ss=new Date(d.daily.sunset[0]).toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); document.getElementById('ci-sun').innerHTML='\\uD83C\\uDF05'+sr+' · \\uD83C\\uDF07 '+ss+''; } }) .catch(function(){document.getElementById('ci-wx').innerHTML='\\uD83C\\uDF21\\uFE0FWeather n/a';}); /* ── AIR QUALITY (chip + AirNow modal) ── */ window.aqiOpen=function(){document.getElementById('aqi-modal').classList.add('open');document.body.style.overflow='hidden';}; window.aqiClose=function(){document.getElementById('aqi-modal').classList.remove('open');document.body.style.overflow='';}; document.addEventListener('keydown',function(e){ if(e.key==='Escape'){ window.aqiClose(); document.getElementById('pclh-breaking-panel').classList.remove('open'); document.getElementById('pclh-breaking-chip').classList.remove('open'); } }); fetch('https://air-quality-api.open-meteo.com/v1/air-quality?latitude='+LAT+'&longitude='+LNG+'&current=us_aqi&timezone=America/New_York') .then(function(r){return r.json();}) .then(function(d){ var aqi=d.current&&d.current.us_aqi; if(aqi==null)throw 0; var cls,lbl; if(aqi\uD83C\uDF2C\uFE0FAir '+aqi+' '+lbl+'\\u25B8'; }) .catch(function(){ document.getElementById('ci-aqi').innerHTML='\\uD83C\\uDF2C\\uFE0FAir Quality\\u25B8'; }); /* ── SURF ── */ fetch('https://marine-api.open-meteo.com/v1/marine?latitude='+LAT+'&longitude='+LNG+'&current=wave_height&length_unit=imperial&timezone=America/New_York') .then(function(r){return r.json();}).then(function(d){ if(d.current&&d.current.wave_height!=null){ document.getElementById('ci-surf').innerHTML='\\uD83C\\uDFC4Surf ~'+d.current.wave\_height.toFixed(1)+' ft'; }else{document.getElementById('ci-surf').style.display='none';} }) .catch(function(){document.getElementById('ci-surf').style.display='none';}); /* ── TIDE (NOAA 8720833 Flagler Beach) ── */ function ymd(dt){return dt.getFullYear()+String(dt.getMonth()+1).padStart(2,'0')+String(dt.getDate()).padStart(2,'0');} var td=new Date(); fetch('https://api.tidesandcurrents.noaa.gov/api/prod/datagetter?product=predictions&application=palmcoastlocal&begin_date='+ymd(td)+'&end_date='+ymd(td)+'&datum=MLLW&station=8720833&time_zone=lst_ldt&units=english&interval=hilo&format=json') .then(function(r){return r.json();}).then(function(d){ if(!d.predictions||!d.predictions.length)throw 0; var now=new Date(),next=null; d.predictions.forEach(function(p){var t=new Date(p.t.replace(' ','T'));if(!next&&t>now)next=p;}); if(!next)next=d.predictions[d.predictions.length-1]; var t=new Date(next.t.replace(' ','T')); var ts=t.toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0A'+(next.type==='H'?'High':'Low')+' tide '+ts+''; }) .catch(function(){document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0ATide n/a';}); /* ── active nav highlight ── */ document.addEventListener('DOMContentLoaded',function(){ var here=window.location.href; document.querySelectorAll('#pclh-nav a').forEach(function(a){ a.classList.remove('pclh-active'); var h=a.getAttribute('href'); if(h&&here.indexOf(h)!==-1&&h!=='https://palmcoastlocal.com')a.classList.add('pclh-active'); }); }); })(); # Guide to Financial Professional Designations; By Guy Middleton Details Parent Category: [ALICE](https://mail.palmcoastlocal.com/alice-articles) Category: [Consumer & Finance](https://mail.palmcoastlocal.com/consumer-finance) Published: 19 November 2023 A helpful guide to various Financial Professionals (AKA: FP) offering financial services in the U.S. This list is not exhaustive and doesn't cover all financial specializations within the field. Similar to physicians and lawyers, FP's can be generalists or specialists, and the choice of an FP depends on how they can assist in achieving specific goals and objectives based on your needs, wants and goals. This guide is to help you distinguish the difference. **Financial Planner:** - Provides comprehensive financial advice in areas such as investments, insurance, tax, retirement, and estate planning. - Prepares written financial plans and is compensated through flat or hourly fees. **Financial Advisor/Consultant:** - Offers financial services based on clients' financial situations. - Requires specific training and registration with a regulatory body. - Compensation may come from ongoing portfolio management fees and/or commissions. **Stock Broker:** - Buys and sells stocks and other investments for clients, earning a commission, markup, or fee. - Regulated as a broker or broker-dealer, may require relevant licenses or membership in a stock exchange. **Registered Investment Advisor (RIA):** - A firm registered with the SEC or state, providing investment advice and portfolio management. - Held to a fiduciary standard and compensated through fees. **Insurance Broker:** - Intermediary selling, soliciting, or negotiating insurance on behalf of clients. - May work for a single insurance carrier (captive agent) or represent multiple carriers (independent broker). - Some may offer advanced financial services. **Robo Advisor:** - Provides online financial advice and investment management with minimal human intervention. - Uses algorithms to create investment portfolios based on client preferences. - Typically compensated through ongoing fees. [![Macy Baxi - Why I Love Flagler County](https://mail.palmcoastlocal.com/images/sponsor/macy-baxi-flagler-county-florida.png)](https://mail.palmcoastlocal.com/macy-baxi) Macy Baxi - Why I Love Flagler County - Local Business Sponsor All FP's are subject to federal and/or state regulations. Securities-marketing FP's must obtain a FINRA license (researchable at ). Investment advisors also need SEC or state registration (researchable at ). Insurance agents are regulated by individual states and must be licensed. Additionally, FP's may hold professional designations related to their specialization, found at . This information and guide concludes with a personal introduction from [Guy Middleton, AIF, BFA, RICP, RMA;](https://mail.palmcoastlocal.com/guy-middleton) a Retirement Income Advisor and licensed Retirement Income Advisor, detailing his experience, licenses (FINRA Series 6, 7, 66, and state-specific), and professional designations. The advisor focuses on comprehensive financial services, particularly in retirement income planning, targeting clients within specific age and asset criteria. You can reach out to [Guy Middleton, AIF, BFA, RICP, RMA here for a consultation or questions.](https://mail.palmcoastlocal.com/guy-middleton) - [ Share](#) - [ X](#) - [ Share](#) - [ Email](mailto:?subject=Palm%20Coast%20Local%20Just%20In,%20Read%20it%20here.Guide%20to%20Financial%20Professional%20Designations;%20By%20Guy%20Middleton&body=https://mail.palmcoastlocal.com/consumer-finance/124-guide-to-financial-professionals-what-they-mean-who-to-hire) - [ Share](#) - [ Share](#) - [ Share](#) - [ Share](#) - [ Share](#) - [ Copy Link](#) *\*PalmCoastLocal.com does not offer or sell any financial or investment products, nor endorse any single person or company. We offer all local business and licensed professionals a platform to reach you with a voice to help guide you, give information you may not know with helpful tips.* Last Updated: 19 November 2023 - About the Author: Guy Middleton can help you oversee your retirement and wealth management planning no matter where you are at in life. Starting and making adjustments are a valuable aspect of planning and managing. #### Add comment I confirm my comment does not contain hate speech, harassment, false or defamatory statements about any person, business or political figure. I understand my comment are moderated and may be removed if they violate platform guideline. 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