North Tampa Law Group Can Help With Estate Planning & More!

North Tampa Law Group’s attorney Brian Arrighi and title manager Taylor Oliveri provide legal assistance for estate planning, probate and real estate transactions in their office in the Cypress Glen Professional Park off S.R. 56 near I-75 in Wesley Chapel.

Attorney Brian Arrighi, the owner and managing partner of North Tampa Law Group, says his firm has the knowledge and experience to be your go-to expert if you need legal assistance for a real estate transaction, estate planning or probate.

North Tampa Law Group is conveniently located in the Cypress Glen Professional Park, about a mile east of the I-75 exit off S.R. 56 (behind MINI of Wesley Chapel). The firm relocated there several years ago, after Brian originally opened it in the Tampa Palms Professional Center in 2014.

Brian Arrighi

Brian has been practicing law for more than 14 years, since earning his Juris Doctor (J.D.) degree from the Stetson University College of Law in St. Petersburg, and a B.S. degree in Mass Communications from the University of Florida in Gainesville. He’s a member of the Real Property, Probate and Trust Law section of the Florida Bar.

He says the busiest part of his practice might be real estate transactions, as the housing market in this area remains very active.

“It has been and still remains more of a seller’s market,” says Brian. “If the home is priced fairly, we frequently see homes go under contract quickly, with multiple offers. In a seller’s market, we also see an increase in calls regarding ‘For Sale By Owner’ transactions.”

He explains that North Tampa Law Group offers the same title services as a title agency, but a title agency has to refer a buyer or seller to legal counsel if any legal issues arise. With a real estate attorney already involved, Brian and his team simply go to work addressing those issues, and act as your title agency.

“It’s a convenience,” he explains. “We cover all the bases, whereas a title agency can’t address anything that requires legal advice or legal documents.”

He adds that hiring North Tampa Law Group to handle a real estate closing doesn’t necessarily increase the cost of a transaction without an attorney. “Our fees are very competitive compared to a standard title agent,” Brian says.

Covid Choices

Brian says that because of the Covid-19 pandemic, North Tampa Law Group has changed the way it handles closings, giving clients a variety of choices to allow them to close in the manner that is most comfortable for that client.

“We can send a mobile notary to the client, or we’re even offering curbside signings, where the client pulls up in their car, calls us, and we send the notary out to them,” Brian explains. “Clients also can choose to sign in the office, but we space it out and clean the conference room in between groups.”

In most transactions, the seller is the party who chooses the title agency, and sellers often use whoever their Realtor recommends. But, people are free to choose, so they can let their Realtor know they would like North Tampa Law Group to handle their closing and title insurance.

Taylor Oliveri

Taylor Oliveri, the firm’s title manager, works with clients from start to finish on real estate transactions to ensure that those transactions close without a problem.

“Taylor is extremely responsive and very helpful,” says Brian. “Buyers and sellers are calling, they’re anxious and nervous and worried, and she’s great at bringing everybody back down to earth…calming them down.”

Taylor says North Tampa Law Group will go the extra mile to make sure your closing goes smoothly. 

“As a smaller law firm, we have more of a boutique feel, rather than a large corporation,” she says. “We establish a good rapport with our clients and with Realtors, as well.”

Many of the clients Taylor works with are those who are selling their homes without a real estate agent. “People want to save money by not hiring a Realtor,” she says, “and they still get top-notch service with us.”

Seven Oaks resident Sandy Villeneuve agrees. When she was ready to sell a townhome that she owned as an investment property in The Bay at Cypress Creek (near I-75 off S.R. 56), she says she didn’t want to use a real estate agent.

“Nobody knew the property better than I did, so I refused to pay a Realtor thousands of dollars to sell it for me,” she says. “But, I couldn’t do the legal side of it, so I needed an attorney.”

Sandy says she and her husband sat down for a consultation with North Tampa Law Group and were pleasantly surprised at the low cost of hiring the firm. From the first meeting, Sandy says it was a great experience every step of the way. “Brian was absolutely wonderful,” she says. “He and Taylor were so responsive and easy to work with. They made it a very easy transaction.”

People looking to sell their property “by owner” can schedule a free phone or in-person consultation with North Tampa Law Group. At that point, Brian and his team go over the steps to the transaction and provide of the all necessary documents, such as a real estate contract, seller disclosure form and homeowners association documents.

To access some of the documents, or to find out what your title costs would be, visit NorthTampaLawGroup.com.

Estate Planning & Probate

North Tampa Law Group also helps people ensure that they don’t unintentionally leave behind problems for any heirs they may have, which can require a lot of time and expense to resolve. Estate planning is preparing for the management of your assets and determining how to efficiently distribute the assets to your loved ones when you pass away. 

People are often most familiar with a Last Will & Testament document, which directs the distribution of assets, but does not avoid the potentially lengthy and expensive court process known as “probate.” North Tampa Law Group also can discuss a “living will” and other options to avoid probate. 

At a consultation with North Tampa Law Group, all estate planning options are discussed to avoid or minimize any court involvement. While probate might not be the best option for everyone, Brian says there are times when it can be beneficial.

In addition to asset distribution, Brian adds that real-life factors — such as long-term health care, guardianship and insurance coverage — also are part of estate planning.

 “There is really a lot we can help you with,” he explains. “Many clients are relieved to find out it was not as expensive or as difficult as they thought.”

Brian says that communicating effectively with clients is an important part of the firm’s success. “I think we do a great job of explaining things in simple terms and allowing the client to proceed at their own pace,” he says, adding that many people don’t like to think about estate planning. “Addressing the issues is more difficult for some people and it can take a few discussions before they determine how they want to handle their affairs, and that is perfectly fine.”

For those who have recently lost someone and find themselves needing assistance in the probate process, Brian is experienced in that area as well.

North Tampa Law Group is located at 26852 Tanic Dr., Suite 102. For more information, visit NorthTampaLawGroup.com or make an appointment for a free initial consultation by calling (813) 518-7411.

Cozy Research & Lifetime Family & Urgent Care To Begin Local Covid-19 Study

Dr. Jonathan Yousef (left) and Ryan DeWeese of Cozy Research will conduct a clinical trial out of Dr. Yousef’s Wesley Chapel office in the battle against Covid-19. (Photo: Courtesy of Ryan DeWeese)

Wesley Chapel will be helping with the fight against Covid-19, and you can help, too.

Bio-pharmaceutical company AstraZeneca, with $486 million from the U.S government to accelerate its Covid-19 antibody therapy, known as AZD7442, will begin Phase-III clinical trials in various cities worldwide.

Cozy Research, LLC,  a research company founded in 2016 by Wesley Chapel resident Ryan DeWeese, has been contracted by AstraZeneca to help conduct one of its clinical studies of roughly 5,000 volunteers worldwide, including 100-200 people in the Wesley Chapel area.

“We’ve placed most of our other studies on hold just due to the importance of Covid treatment,” DeWeese says. “We’re dumping all our resources into this upcoming study.”

Cozy Research has three offices in Pasco County — one for cardiology in Zephyrhills with Dr. Binu Jacob, one for gastroenterology in Wesley Chapel with Dr. Saeed Ahmed and the Lifetime Family & Urgent Care office in Wesley Chapel of Dr. Jonathan Yousef.

Dr. Yousef’s office, located at 5801 Argerian Dr., off of S.R. 54, will be home to the AZD7442 clinical study.

“This is the biggest study we’ve done,” DeWeese says. “We haven’t seen anything like this (Covid) in 100 years, so it’s an all-hands-on-deck approach. This is groundbreaking stuff, and something that we’re ecstatic to be able to provide.”

Phase III trials are usually the last phase before seeking FDA approval.

If the trial is successful, AstraZeneca, which is based in Cambridge, UK, will supply 100,000 doses of the antibody therapy to the United States by the end of the year.

AZD7442 is a clone of antibodies, which are made by your immune system in response to infections. They stick to viruses and prevent them from infecting healthy cells. The antibodies used for engineering AZD7442 are derived from patients after they have recovered from being infected by the novel coronavirus, and mimic natural antibodies.

DeWeese said Cozy Research is looking for roughly 200 adults ages 18 and older to take part in the study. 

They need to find people who have never been infected with Covid-19 but are at high risk of exposure. The hope is that the antibodies can protect those at high risk of getting the disease due to their jobs — like teachers, healthcare workers, service industry workers and first responders — as well as those who are over the age of 60 who may not be able to tolerate a vaccine due to other medical conditions.

Participants will receive a one-time injection of the monoclonal antibodies, which should be effective for six months to a year, and will have to check back five times over the next year to see if the antibodies are still present.

“The hope of the study is that 90 percent of the people will never end up getting Covid,” DeWeese says.

Those taking part in the antibody study will not necessarily be protected from the virus. The injection of antibodies does not replace hand washing and mask wearing, DeWeese says. “You still need to exercise caution; this is just another layer of protection.”

Cozy Research will be pre-screening patients over the phone and will give priority based on medical need or risk factors. Appointments will be Tuesday-Friday, with some Saturday openings available.

Volunteers may receive compensation for their time and travel

The study was expected to begin in early November. For more info or to see if you qualify, email Ryan@cozyresearch.com or call (813) 922-2115.

Jim Plummer Wants To Make Your Money Work For You!

Jim Plummer

Most people wonder if they will have enough money to retire comfortably, and many don’t really understand their investments, or know what they need to do to be prepared for their post-work years.

“It’s so complicated,” says James B. Plummer, wealth advisor with ILG Private Wealth. “People need help in retirement.”

Plummer, who goes by Jim, is an independent advisor representative (IAR), and ILG is a registered investment advisor (RIA). Jim says being an IAR — as opposed to working for a specific investment firm — means his primary responsibility is to put the client first.

“I’m paid differently than a broker dealer (which typically charges fees for trading securities such as stocks and bonds),” he explains. “I can work with whatever companies I want to, (the ones) that best suit my clients. We look at the whole picture, so the client sees how everything dovetails together to be prepared when they get to retirement age.”

That whole picture, he says, includes bonds, stocks, exchange traded funds (ETF), life insurance, long-term insurance, annuities (which is income for life) and other options.

While ILG Private Wealth is located in Pennsylvania, the company also has an office in Celebration, FL. Jim was working for the company in Pennsylvania when he and his wife of 44 years moved to Tampa Palms last October to be closer to family.

Jim goes into the Celebration office as needed, but his clients only deal directly with him. He typically visits a client’s home or work, where they have easy access to any paperwork they will need to go over with him. If a client prefers to come to Jim, he’ll gladly meet them at another location, such as the Tampa Palms Golf & Country Club.

A Little History…

Jim earned his B.S. degree in Accounting and Business Administration from Hillsdale College in Hillsdale, MI. He became an accountant, then was a chief financial officer for 30 years for two multimillion dollar corporations. He says that during that time, he saw the need for employees to get good advice when they were “handed a lot of money” at retirement, so he got licensed to begin a new phase of his career.

He says he has been an IAR for 18 years now, and that he has some clients who have been with him from the beginning.

Because of his background working in business, Jim is particularly interested in helping small business owners prepare for retirement.

“I’ve dealt with family business owners all my life,” Jim says. “I work with anybody who is interested, but my focus is on business owners.”

You Need An Expert

If you spend a few minutes talking with Jim, he’ll probably share some interesting tips that could help you retain more of your money in retirement. Here’s one example: 

“Most people probably have a 401(k) if they’re working, or maybe an IRA,” Jim explains. “If you look at how much money that investment is worth, it’s not all your money. The government will take taxes out before you get it.”

So, in some cases, he says, it might be more beneficial to put that money into a Roth 401k or Roth IRA. You pay taxes on it before you put the money in, but once you invest in a Roth, what you accumulate is all your money.

“There are no taxes when you take that money out,” says Jim. “There’s nothing on the growth and nothing on the principal.”

He says you can move money from a regular 401k to a Roth, but you want to move enough that you can afford to pay those taxes on it, but not so much that it puts you in the next tax bracket.

Sound confusing? It can be. That’s why Jim says you need someone like him to help you figure it out.

“We’re a planning organization,” says Jim. First and foremost, he gathers his clients’ information and focuses on finding out what their needs are: How long until you need your money? What do you want – or need – your money to do for you?

Then he shares more of those valuable tips. Here’s another one:

 “Make sure there’s enough money for you,” he says. “If you want to give your kids a bunch of money, do it through life insurance. You could give them an insurance policy that’s worth 10 times as much [as you could give them now]. You don’t know what life holds for you.”

Jim also reminds people to keep their beneficiaries updated, saying that the beneficiaries listed on a life insurance policy or other investment supersede any will or trust. As life changes, you may want to change beneficiaries.

He also can help you understand Social Security and the taxes related to Social Security benefits.

“Most people have more money in Social Security than they have saved for themselves,” he says. While full retirement is at age 66, should you take your Social Security benefits then? Or, should you wait until you’re age 70? Or later? Essentially, he says, “Social Security is paying 8 percent on that money. You can’t earn that on money in the investment markets right now.”

But, he notes that delaying when you take your Social Security still isn’t right for everyone, and Jim can help you figure out what’s best for you, your spouse and your family.

He offers these words of caution, however. “You’re stuck with that decision the rest of your life,” he says. “You can’t make a change once you’ve decided what to do.”

Jim says he helps many clients do a Social Security analysis to decide what’s the most beneficial time for each of them to take that money, whether that’s early, late, or a blend of both.

Webinars Can Help

Jim has a series of webinars that he offers to help educate people about  important financial topics, including how to plan for Social Security. Anyone, whether they are a client of Jim’s or not, can attend the sessions, which last about 45 minutes to an hour, depending upon the questions asked by the participants.

Before the Covid-19 pandemic, Jim says he would offer the educational seminars in person, but they are now available online only, in the comfort of your own home or office. He says the technology today to attend his webinars is so simple, that you just click a link to get connected to the Zoom meeting. So, even people who are not technologically savvy are easily able to attend.

Jim Plummer works remotely in Tampa Palms and will meet you at your home or business for a consultation. For more information, to register, or to discuss how Jim might be able to help you with your financial planning, call him at (814) — not 813 — 931-4271.

Pick Of The Week: Your CBD Store Wesley Chapel!

Lisa Feigel and her daughter Ashley

We were on hand last year when Lisa Feigel and her daughter Ashley opened Your CBD Store in the Freedom Plaza at 30044 S.R. 54, but I honestly didn’t know what CBD was or what it could do for you.

Well, a year later, Lisa and Ashley hosted a one-year anniversary event on Oct. 7 and although I didn’t get to attend it personally, I certainly am now well acquainted with Cannabidiol (CBD, which also is derived from the cannabis plant but does not have any of the psychoactive effects of THC, which is what gives users the “high” from marijuana) and what it does, as I have found that Your CBD Store’s topical CBD cream is the only thing that has helped my aching knees, other than arthroscopic surgery or cortisone shots. 

Your CBD Store has many other award-winning CBD-based products — including oil tinctures, edibles, raw hemp, beauty products, gel capsules, vapes and more — some of which are treats to help your pet — and they do offer some free samples for new visitors. 

 For more info, call (813) 536-0119 or check out their ad in the latest issue for some great money-saving coupons!

Church Sold; Will Become AdventHealth Care Pavilion

LifePoint Church, which took over the Winn-Dixie Supermarket in 2006, has moved to Wesley Chapel and AdventHealth is moving in. (Photo: Charmaine George)

The LifePoint Church building located on Bruce B. Downs (BBD) Blvd. in front of Hunter’s Green, has been sold to Advent Health, which intends to renovate it into a “care pavilion.”

AdventHealth paid $7.4 million for the 5.84-acre property and reportedly will spend $8.44 million more to renovate it, and plans to include exam rooms and imaging capabilities such as MRIs, X-rays and CT scans.

“We are still working to determine which care services will best fit the needs of the community,” says Richelle Hoenes-Ahearn, a spokesperson for AdventHealth. “We are excited about the opportunity to bring this kind of facility to the area and make it more convenient and accessible for people to prioritize health and wellness.”

Tampa City Council member Luis Viera, who represents District 7, which includes New Tampa, says he is working with AdventHealth to be sure the facility meets the needs of the New Tampa community.

He plans to have a meeting with AdventHealth in November to allow neighborhood leaders to ask any questions they may have about the project.

“This is a facility with a lot of potential benefits to the New Tampa area,” he says. “Dialogue is key.”

Meanwhile, LifePoint Church has moved its services to Wesley Chapel and also changed its name to The Gathering Church. 

Executive pastor Brian Brown says the sale of the building is not related to the effects of Covid-19. In fact, he says, discussions with AdventHealth started well before the pandemic hit, when the hospital system approached the church with an offer.

Brian says the church had previously been approached by other suitors looking to purchase the building, but the offer from AdventHealth was, “the right price at the right time.”

The sale closed in mid-September, which was at the end of at least nine or ten months of discussion and work towards that goal, says Brian. He added that the lengthy process AdventHealth had to go through for permitting and rezoning was somewhat delayed because parts of the government had been shut down due the pandemic.

LifePoint originally purchased the building in 2006, when it was a vacant former Winn-Dixie supermarket and the church was meeting at the New Tampa Family YMCA. LifePoint opened its doors at the building in 2007.

“It was great for us,” says Brian, “but we’ve had a change in focus as a ministry.”

Brad White is the senior pastor for the church, which at one time had multiple campuses in Hillsborough and Pasco counties. Now, the church is exclusively in Wesley Chapel, meeting at Wiregrass Ranch High on Mansfield Blvd. on Sundays at 9 a.m., 10:30 a.m. and noon.

“We have now focused all of our attention on the Wesley Chapel area,” says Brian. “That’s where all the growth is going.”

He says the church did a demographic study of its database and found that the majority of its congregation was coming from Wesley Chapel anyway, so the decision was made to move into the area where its people are living.

While the church may purchase another building in the future, for now, that’s not its priority.

“Our focus is just to love people and to help them begin a relationship with God,” says Brian, adding that buildings that are only used once a week cost a lot of money to maintain. “Now, dollars that were being spent on a facility are being used to facilitate relationships. We’re excited. It’s a great location for AdventHealth, so it’s a win-win for everybody.”