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My name is Francine Duke and I'm a recently retired Financial Planner. I was the founding principal of Aqua Financial Planning, LLC, an independent fee-only Registered Investment Advisory and Financial Planning Firm. I have a B.S. in Finance and over thirty years of high level experience in the financial and insurance industries with an extensive background working with both individuals and small to mid-size businesses. I served on the board of the Financial Planning Association, North Shore Council in various roles including President and Chairwoman. I still enjoy everything financial and obviously have a keen interest in retirement related matters.
Risky Business - Challenging Times
25 replies
AUTHOR: hitekfran on 4/6/2025
FIRST: Jonathan Clements on 4/6 | RECENT: DAN SMITH on 4/12
A Taxing Situation
22 replies
AUTHOR: hitekfran on 2/18/2025
FIRST: Dan Smith on 2/18 | RECENT: Randy Dobkin on 2/20
Ten Important Security Tips
15 replies
AUTHOR: hitekfran on 11/9/2024
FIRST: mytimetotravel on 11/9/2024 | RECENT: Martin McCue on 11/19/2024
Comments
I thought that the service was lovely. Thank you so much for giving us access to it.
Post: Jonathan’s Memorial Service
Link to comment from November 8, 2025
It says that it’s a public site and will work for anyone on or off Facebook.
Post: Jonathan’s Memorial Service (includes streaming link)
Link to comment from November 7, 2025
Elaine, I was hoping that you might live-stream the service. Thank you.
Post: Information on Jonathan’s Memorial Service
Link to comment from October 6, 2025
Best of luck to you, Bogdan. I'm in the Chicago area also. If you ever need any assistance, please let me know. I'm a retired Certified Financial Planner.
Post: Quick Intro
Link to comment from September 21, 2025
I've followed Jonathan since his WSJ days and always had tremendous respect for his knowledge and sensibility. However, since his diagnosis, I've gained an even greater admiration for him as a person. Elaine, I wish you and the kids comfort during this challenging time and mostly I wish Jonathan peace and no more pain.
Post: Jonathan and website update
Link to comment from September 21, 2025
deleting post
Post: Talking Trillions
Link to comment from June 9, 2025
Amen!!!
Post: Buying an Annuity from the SSA
Link to comment from April 29, 2025
I do the same. No big deal to enter it on my own and, like you, I prefer not to connect tax software to our personal accounts.
Post: Now taxes are filed, I have a question: How did you prepare your taxes?
Link to comment from April 17, 2025
Six month treasury bills are currently paying around 4% and the rate is guaranteed for that period. Rates for MM funds are variable but you have access to the money whenever you need it.
Post: Buying Treasury Bond ETFs vs. MM Funds in this Moment
Link to comment from April 10, 2025
That distinction was my favorite part of the article. And, I agree with the rest of your comments.
Post: Risky Business – Challenging Times
Link to comment from April 10, 2025