P100

WGrowHow Foundations Can Earn a Profit; Investing in the Caspian Sea; Fishing for Science

LiveSelf-Defense for 2014; Top 10 Influential Art Galleries; Wine’s New Power Brokers

MakeLearjet Turns 50; Luxury Living at Disney World; Why Tech is Beating Wall Street

CuratorEight Super Fast Sedans and Sports Cars; Surprising Whiskies from Japan; New Classics from Burger Boat

t h e e v o l u t i o n o f f i n a n c i a l i n t e l l i g e n c e

®

v o l u m e 2 2 | e d i t i o n 0 5

26w o r t h . c o m

The 100 MosT PoWerful PeoPle in finance

COVER_WOR26.indd 1 9/18/13 11:33 AM

How can I become a smarter traveler?

Baldwin Krystyn Sherman PartnersLaura Sherman, Partner Lowry Baldwin, Partner Elizabeth Krystyn, CEBS, Partner

South Florida Leading Insurance Advisor

What if three weeks before your scheduled arrival, a terrorist incident occurs in the city which you are plan-ning to visit? What actions do you take and who will pay if you cancel your trip? Or how about a scenario where, on your first trip to Thailand, your pass-port and wallet are stolen? Where do you turn for emergency cash, and how will you get your passport replaced?

If you are like most travelers, your planning efforts revolve around pack-ing, planning your itinerary and logis-tics. You probably are not focusing much time on researching local cus-toms, crime statistics and travel se-curity. Many people are accordingly unprepared and often taken by sur-prise when traveling because they are unfamiliar with the language, surround-ings and customs. Fortunately, com-monsense and a little prevention can make all the difference in deterring thefts and mishaps while traveling. Alertness, caution and preparedness are vital to protecting you and your family, wherever life takes you.

Travel PreParaTion: WhaT To Do• Practice due diligence: Review State Department warning bulletins and CIA country information. Keep local U.S. consulate phone numbers and ad-dresses handy. Conduct due diligence on your travel location regarding: active terror groups; incidence of crime; labor instability; the likelihood of kidnappings; local ethnic, political or religious issues; social issues; health and public safety risks; weather and areas to avoid. • Stay private: Distribute your travel

itinerary only to those who need to know, and identify a family member

with whom to leave a detailed itiner-ary that contains hotel information and citizenship documentation. Plan on a system for tracking family mem-bers and arrange for a daily communi-cation protocol while traveling. • Double-up: Make two copies of your

wallet’s contents and your passport/visa prior to travel. Bring one copy with you; leave the other with a family member. • Plan ahead for medical needs:

Ensure all medications are packed in their original, labeled containers to facilitate customs processing for your carry-on luggage. Consider wearing a medical alert bracelet or necklace if you have allergies or major medical conditions. Arm yourself with personal medical information, including your blood type, medications, allergies and physician-contact information.• Be cautious with technology: Only

take technology you will need. Limit data stored on your laptop to what is necessary and be sure access is secure. Program your cellphone with local one-touch emergency telephone numbers. • avoid social media: Avoid publi-

cizing your trip, especially on social media. Wait to post photos until you have returned home safely, to avoid home break-ins. • Stay healthy: Familiarize yourself

with conditions at your destination that could affect your health (high altitude, food and water precau-tions, pollution, required immuniza-tions, medical facilities, etc.); consult www.cdc.gov/travel. • Make a plan: Create a family security

plan that includes your children. Prior to departure discuss topics such as, what if we get separated? What if some-one tries to rob us? Whom do we notify in the event of an emergency?

• Travel insurance: Check your med-ical insurance to determine whether coverage is available outside the U.S. If not, consider purchasing a short-term medical policy. Addition-ally, a supplemental travel insurance provides coverage for medical expense and evacuation, lost or stolen baggage, trip cancellation and interruption and 24/7 travel assistance. • hotel security: Find a hotel with a

solid security track record. When pos-sible, book hotel rooms between the third and seventh floors to limit theft while positioning you safely for emer-gency evacuation. Secure luggage and belongings left unattended in the hotel. Keep important documents and valu-ables in a hotel safe. Put a “do not dis-turb” sign on the doorknob even when you are away, and turn on the televi-sion or radio just loud enough to hear through the door to deter burglars. • Protect your identity: Keep bank

cards protected and try to use only credit cards while traveling. Keep cards in an RFID-blocking wallet or purse. Never walk around with lots of cash in hand, don’t stand near an ATM count-ing it and avoid crowds, where pick-pocket gangs like to work. Use credit cards or pin based ATM cards versus check or debit cards. • Beware of pickpockets: It is com-

mon for thieves to distract you by spilling, dropping, soliciting, causing commotion or using children. • Tour safety: Prior to booking a tour

or taking any type of transportation, re-search the company’s safety records and guest reviews. Don’t always book the lowest fare, as the company may skimp on vehicle maintenance and em-ployee training. Remember: Your safety isn’t worth saving a few dollars.

By Laura Sherman

BA

LD

WIN

KR

YS

TY

N S

HE

RM

AN

PA

RT

NE

RS

“Commonsense and a little prevention can make all the difference in deterring thefts and mishaps while traveling.”—Laura Sherman

How to reach BKS-Partners

Any member of our team can be reached at 866.279.0698. We look forward to speaking with you.

liv

eg

ro

wm

ak

e

Left to right: Laura Sherman, Lowry Baldwin, Elizabeth Krystyn

Insurance Services Experience 60+ years (combined)

Offices Tampa, Sarasota and Naples

Total Colleagues 63

Website www.bks-partners.com

Professional Services Provided Specializing in private risk management, commercial risk management, employee benefits and wellness & safety programs

Accomplishments 2013 Tampa Bay Times #1 Top Work Place in the Small Category; 2013 Tampa Bay Business Journal Best Places to Work; 2012 Florida Trend Magazine Best Companies to Work For; 2013 Gulfshore Business magazine Best of Business; 2012 Inc. magazine’s 2012 500 | 5000

Email lsherman@bks-partners.com lbaldwin@bks-partners.com ekrystyn@bks-partners.com

Baldwin Krystyn Sherman Partners (BKS-Partners) is an independent insurance brokerage firm that offers the client-centric approach of a boutique firm with ample resources and industry specialization. Headquartered in Tampa, Fla., with offices in Naples and Sarasota, BKS-Partners creates personalized client relationships that allow the firm to design, implement and manage holistic insurance solutions for companies and sophisticated individuals—all from a convergent perspective. They are experts in private risk management, commercial risk management, employee benefits and wellness and safety programs, working with clients wherever life takes them throughout the U.S. and internationally. BKS-Partners is passionate about its communities, donating its time and money to more than 40 local organizations.

About Baldwin Krystyn Sherman Partners

ILL

uS

Tr

AT

IOn

By

KE

vIn

SP

rO

uL

S

top core values.. .

1. Trustworthiness 2. Imagination3. Transparency4. Responsibility

Baldwin Krystyn Sherman Partners 4010 West Boy Scout Boulevard, Suite 200, Tampa, FL 33607 866.279.0698 9140 Corsea del Fontana Way, Building 110, Suite 2, Naples, FL 34109 1990 Main Street, Suite 750, Sarasota, FL 34236

117W o R T H . c o M o c T o B E R - N o v E M B E R 2 0 1 3

something always on your mind…

As our clients’ businesses and lifestyles continually evolve, we stay on the lookout for emerging sources of risk and solutions to better identify and navigate the ever-changing risk topography. Looking to the future keeps us on our toes and gives clients peace of mind.

W

the evolution of financial intelligence

R E P R I N T E D F R O M

®

Baldwin Krystyn Sherman Partners is featured in Worth® 2013 Leading Wealth Advisors™, a special section in every edition of Worth® magazine. All persons and firms appearing in this section have completed questionnaires, have been vetted by an advisory group following submission by Worth®, and thereafter paid the standard fees to Worth® to be featured in this section. The information contained herein is for informational purposes, and although the list of advisors presented in this section is drawn from sources believed to be reliable and independently reviewed, the accuracy or completeness of this information is not guaranteed. No person or firm listed in this section should be construed as an endorsement by Worth®, and Worth® will not be responsible for the performance, acts or omissions of any such advisor. It should not be assumed that the past performance of any advisors featured in this special section will equal or be an indicator of future performance. Worth®, a Sandow Media publication, is a financial publisher and does not recommend or endorse investment, legal or tax advisors, investment strategies or particular investments. Those seeking specific investment advice should consider a qualified and licensed investment professional. Worth® is a registered trademark of Sandow Media LLC. See “About Us” for additional program details at http://www.worth.com/index.php/about-worth.

Laura Sherman Partner

Lowry Baldwin Partner

Elizabeth Krystyn, CEBS Partner

Baldwin Krystyn Sherman Partners 4010 West Boy Scout Boulevard, Suite 200

Tampa, FL 33607

9140 Corsea del Fontana Way, Building 110, Suite 2Naples, FL 34109

1990 Main Street, Suite 750Sarasota, FL 34236

Tel. 866.279.0698

lsherman@bks-partners.comlbaldwin@bks-partners.comekrystyn@bks-partners.com

www.bks-partners.com