To read archived messages from John and Lucinda, click on a month.

June 9, 2006

Dear Friends and Family,

Lucinda is pleased to inform everyone that after four years of affiliation with Ameriprise Financial (formerly American Express Financial Advisors) and after three years of doing her business while recovering from the plague (how many other financial advisors can say that?) she has moved her home office into downtown Santa Fe effective June 1. Her contact information is below, as well as an article that appeared in Tuesday’s Albuquerque Journal North. Her work is focused on providing all aspects of financial planning including investment advice, wealth management, retirement planning, education planning, estate planning and protection planning (including disability and life insurance and long term care insurance).

Love,
J&L

Tuesday, June 6, 2006
Albuquerque Journal North

PLANNING CRUCIAL TO WOMAN'S BUSINESS

By Kiera Hay
Journal Staff Writer

Two and a half years after she originally planned to move her financial advising business into an office on Galisteo Street in downtown Santa Fe, Lucinda Marker is finally making it happen.

In 2003, Marker and husband, John Tull, first decided to create an office space together. Marker, who had become affiliated with Ameriprise Financial Services, would provide financial planning for clients, while Tull, an attorney who had previously worked as director of the New Mexico Insurance Fraud Bureau, would advise on wills and estate planning.

"We could offer clients a little bit of everything," Marker said of the planned enterprise.

But everything changed in November of that year, when Marker and Tull took a trip to New York City. A few days into the vacation, the two came down with flu-like symptoms and were taken to the hospital, where they were diagnosed with bubonic plague— likely contracted from fleas in their Eldorado neighborhood.

Marker recovered in about two weeks, but her husband wasn't so lucky— Tull was in a drug-induced coma for 10 weeks, followed by several months in New York and Albuquerque hospitals. When he was finally able to return home, he needed extensive at-home care.

Needless to say, their professional lives took a back seat.

"This career, while it had started, I wasn't able to pursue it in the way I wanted to," Marker said.

Marker has continued to work as a financial adviser from her home in Eldorado while shouldering the bulk of Tull's caregiving needs. Last year, he went back to work as general counsel for the State's Economic Development Department, although at the beginning of May, on his doctor's advice, he took medical leave from his job.

Nevertheless, Marker decided to move into an office on Galisteo. Her goal is to provide her clients with comprehensive financial planning— including ensuring that her clients are equipped to deal with unexpected disasters.

It's a lesson Marker has taken from her own life.

"John and I were so healthy, and so active and engaged in the community, nobody would have expected something like that would happen to us," she said.

Marker believes that if clients have certain financial safeguards in place, some of the burden brought by a tragedy is lessened.

She and Tull were arguably luckier than most. When they were diagnosed with the plague, both had health insurance. They also had a large savings account.

"Had we not had the savings and the health insurance, we would have been in financial ruin," Marker said.

Marker is a strong advocate of disability and long-term care insurance. According to Ameriprise statistics, she said, one out of every seven workers will become disabled for five or more years by the time they turn 65. In addition, 55 percent of people 50 and older will become disabled for at least 30 days.

When it comes to long-term care, Marker said that the average cost of nursing home care currently runs about $69,000 a year, with assisted living at $109,000.

The government only steps to take care of the cost once a person's savings and assets have been depleted.

She said that, while she encounters resistance from some of her clients when she brings up the issue of disability and long-term care insurance, she believes most people are simply afraid to think about the subject. Still, about half of her clients have one or both types of insurance.

Marker hopes working out of her new office will help spread the word even further.

"I plan to build my business. This is now my main focus in my life, and I really look forward to working with the clients I have in greater depth and helping more people," she said.



June 16, 2006

Dear Friends and Family,

Lucinda has been back at work in a big way and John has been back at home. We have hired the 12 year old son of a good friend or ours to help with all the things that yet need to be done around our house and this has brought us to yet a more enlightened understanding of how there is still hope and caring in the world of the -well…we don’t even know what you call this generation.

This kid, (we’ll call him Carson for now) has a heart of gold and understands after spending a few days here that “there is a whole lot of work to be done”. And guess what? He is happy to do it and has tried to negotiate his fee DOWN! Carson and Tull get along famously and have probably established a life long friendship. We are lucky enough to know pals who have kids who want to do the right thing. We know there are many others out there. This kid’s perspective after being around the “ranch” as the New York Times persists in calling our little space, for a few days is quite moving.

We got a call from a P.H.D. plague expert the other day who came to talk to us about the study he has been involved in for 4 years or so which included our case in detail. He was absolutely fascinating . Sorry to say there have now been three cases of human plague in New Mexico in the last three weeks. We are happy to say that none of those cases were contracted on our “ranch”. We send our best wishes, thoughts and prayers to the fellow who is still fighting septicemic plague.



Love to all,
John and Lucinda


June 29, 2006

Dear Friends and Family,

Well, the Great Almighty has smiled upon John and Lucinda again.

This afternoon, in San Antonio, Texas, Emory Ann Tull was born to Trey and Leah (and Elli)!

She is 7 pounds, 11 ounces, and 20 inches long of pure Tull.

Everyone is doing very well (it was a C-section).

Words can never express the feelings that events of this nature cause. Big ‘ole JHT has been quite emotional today since hearing the joyous news.

Pic to follow ASAP.

We love you all,

John and Lucinda