An alert branch financial services officer recognized that one of his customers needed more advanced financial counsel. One of our senior financial advisors, acting on the referral, discerned that the family was grappling with managing its assets and investments, including partial interests in inherited real estate. That led to a referral to an independent financial planning associate, who helped the family consolidate assets, arranged for a loan to acquire the balance of the inherited real estate, and set them on the road to providing for funding of a new business, college tuition savings, and retirement.