A Penny for Her Thoughts Local financial advisor shares nearly 25 years of investing insights to explain 2020 volatility and help Bendites maximize 2021 futures Did 2020 take you to the cleaners? Don't go it alone recovering in 2021. For a highlight reel of 2020 and to help you get your savings train back on the tracks in 2021, local Registered Principal and Registered Investment Advisor Representative Linda Zivney, with Raymond James Financial Services, Inc., has some insights to offer. K.M. Collins Workers are advised to auto-save an amount from every paycheck, no matter how small. Operating with a team of three women, Zivney personally manages investment accounts for families, retirees and those close to retirement. The comprehensive planning she oversees incorporates attorney and estate planning as well as accounting and taxes. Zivney also leads quarterly "women and investing" meetings.