Episode 10 - Protecting Your Maine Life: Real Estate, Community & Smart Insurance with Tate Ficker

In this episode of Elegant Maine Living, Elise Kiely sits down with Tate Ficker, owner of the Ficker Insurance Group and a deeply rooted Mainer, to explore the role of insurance in Maine’s real estate landscape and lifestyle.

Together, they discuss:

• Tate’s journey from growing up in Fryeburg to returning to Maine to raise a family after a decade in Boston.
• Why Maine’s unique sense of community plays a vital role in both real estate and business.
• How Tate built a client-centric insurance firm that blends old-fashioned service with modern technology.
• The importance of annual insurance reviews for homeowners and how life changes—like renovations, pets, or new purchases—should prompt updates.
• The rising impact of climate-related disasters on national insurance trends, even here in Maine.
• Practical tips to simplify your homeowner’s insurance strategy and ensure adequate coverage when it matters most.

Elise also shares her personal experience with a devastating home fire and emphasizes the power of preparedness, neighborly support, and trusted advisors in navigating life's unexpected turns.

Whether you're buying your dream home in Maine or already living it, this episode is a must-listen for anyone who wants to safeguard their lifestyle and real estate investment.

Connect with Tate Ficker of the Ficker Insurance Group - fickerinsurancegroup@allstate.com

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Elegant Maine Living explores Maine’s homes, communities, and people—through the lens of lifestyle, values, and thoughtful living. I host conversations with leaders, creators, and advisors who help illuminate what it truly means to live well in Maine.

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Transcript

Elise Kiely: [00:00:00] Welcome to Elegant Maine Living, where we explore the beauty, charm and sophistication of life in Maine. My name is Elise Kiely, your host, and a real estate advisor with Legacy Properties Sotheby's International Realty. On each episode, we dive into Maine's residential real estate market, sharing key trends, inventory, insights, and notable sales, while also highlighting the extraordinary lifestyle that makes Maine such a special place to live, work, and play.

Elise Kiely: Whether you're seeking a coastal retreat, a vibrant community, or an escape into nature, elegant Maine Living is your guide to the home and experiences that defined our great state. Let's get started. Welcome [00:01:00] Maine. The number of the day is 6,000. 6,000 is roughly the number of homes that were lost in the recent LA wildfires.

Elise Kiely: That number represents individuals, couples, and families that have lost their schools, their businesses, their places of worship, their restaurants, their way of life, and in the aftermath of that natural disaster, we all read the headlines about how important homeowner's insurance was to all of those 6,000 homeowners.

Elise Kiely: And that's why I thought it would be super important today for my listeners at Elegant Main Living to talk to a local expert to help us perhaps demystify reassure us and explain some of the trends and the tips and tricks to making sure that everyone is as covered as they can be or they want to be with [00:02:00] insurance here in Maine.

Elise Kiely: And that's why I am excited to introduce and bring on my friend and neighbor, Tate Thicker. The owner of the thicker insurance group. Headquartered in Falmouth, Maine. Welcome, Tate. 

Tate Ficker: Hi Elise. Thank you for having me. 

Elise Kiely: Thank you for being here. Tate. We were just chatting before we started recording. We first met in 2014, correct?

Tate Ficker: Yep. 

Elise Kiely: And you ended up buying a home in my neighborhood 

Tate Ficker: right down the street. 

Tate Ficker: Yeah, 

Elise Kiely: right down the street that I had listed. And your beautiful family has been such a wonderful addition to Falmouth and our neighborhood. We are thrilled that you are there and hopefully staying there for a long time.

Tate Ficker: Yeah, no, thank you for the introduction. Thank you for having me. I'm so excited for, both elegant Maine Living and the podcast series and for being a part of it today. So thank you. 

Elise Kiely: That's fantastic. And Tate, we were talking before, you have the honor of being a Mainer.

Tate Ficker: I do. Born and raised and yeah.

Tate Ficker: I grew up in Frederick, Maine. And so a small [00:03:00] town just north of Sebago in the Bridgeton area and attended Fry Academy and yeah have been a true Maine through and through boy my entire life. Enjoy the outdoors, enjoy everything from lakes, rivers, streams, and the ocean and the mountains in between.

Tate Ficker: And so it's a special place to me and it's really exciting to be a part of. This podcast and the community that we live and work in, and you're right when you said, Maine is a great place to live, work, and play, and super excited to be here. 

Elise Kiely: So much fun to raise a family in Maine, isn't it?

Tate Ficker: It is, yeah. And we spent my wife and I, about 10 plus years down in Boston and started our careers there. Had a lot of great exposure to really great people, really great professionals. Got exposed to different industries and products and services, and it just gave us some really good backdrop and insight into the world beyond Maine.

Tate Ficker: And once we started the family, we knew that a part of our destiny was to come back here and give them the opportunity to experience what I did growing up. And yeah, we made that move in 2013 and then [00:04:00] moved into the home, just a few houses down from you in 2014. 

Elise Kiely: That's fantastic. And not only did you move into that home, you are very active in the community and we're going to talk about your business in a second, but I think it's important to share how involved you are in different aspects of the community.

Elise Kiely: Absolutely. I believe you volunteer. You're a little league coach. 

Tate Ficker: We do, yeah. Baseball and softball have become our three kids passion. And it's something that I grew up playing and love the sport. And yeah, I coach all three of them in each of their teams and leagues and it consumes all of our time.

Tate Ficker: It does about the next week until the end of July, but it's what we love to do. And, beyond that, we've been involved in coaching, everything from football to soccer, to skiing, to. Everything in between and really excited about the spring season and that kicking off soon. Youth sports is a big passion of mine.

Tate Ficker: It's something that I've coached now for probably eight or nine years, continues to get more exciting every year. Working with the children, working with the parents and seeing them develop throughout the course of the season is [00:05:00] really special. And then beyond that, through both personal and professional networks, we spent a lot of time.

Tate Ficker: With a lot of amazing professionals in Greater Portland and Maine, and whether that's through the Women's Council of Realtors or MAR, or it could be BNI groups that we're a part of. There's just so many talented professionals that have either. Been born and raised and stayed here, or have been born and raised and moved away and came back.

Tate Ficker: Back. Yeah. Or just relocating from across the country and world. And it's really a amazing network of professionals that I learn from every day. I learn from every year we apply those lessons to what we're trying to achieve here and it's been phenomenal. 

Elise Kiely: You are a great example of. How to be involved in a community and your network of friends and colleagues is so wide and so broad.

Elise Kiely: I follow you on social media and there's always something, whether it's, community or youth sports or whether it's one of the organizations you just mentioned you're so [00:06:00] active, which is, I think. One of the joys of living in Maine is it's a low lift. It's a low barrier to entry if you wanna be active in the community.

Elise Kiely: There are so many different opportunities. And I wanna get to I wanna get to this issue about insurance because I think it's so important. It's so timely. And if I remember right you started the, the thicker insurance group in, was it early 22? 

Tate Ficker: Correct. Yep. January, 2022. I was, at a point in my career where I was ready for a change, ready for a new challenge.

Tate Ficker: I had a lot of experience in consulting and private equity and technology and in the life and disability insurance space and, through COVID, I think it. Allowed me the opportunity to take a step back and reinvent and re-envision the next chapter in my career. And was fortunate to cross paths with an agency owner who had been super successful and was retiring at the time.

Tate Ficker: And one thing led to another, and, we made a family decision because. Although I'd like it not to be owning a small business is a, it's a family affair and so [00:07:00] everyone's involved and we Spend a lot of time talking about it and understanding what that's going to mean for us moving forward.

Tate Ficker: But we made the decision and moved forward in, in early 2022.

Elise Kiely: I think that's fantastic. And I've seen pictures of your children being at some of the events that you go to, maybe you at a trade show or something. You have a presence and your children are there. 

Tate Ficker: Exactly. Yeah. Or we have them with the swag.

Tate Ficker: We have them vacuuming the office floors in the morning, and we're on the practice fields in the afternoon, so that's, they're involved. 

Elise Kiely: That's wonderful, Tate, so you bought the business in 22 and it's grown substantially in the three years, three plus years that you've owned it. 

Tate Ficker: It has, yeah.

Tate Ficker: We've been really fortunate coming into a business that I. Is established is great for many reasons, right? You have a customer base, you have market brand presence. Even the little things of you have logistics day one. So you have, payroll providers, you have soft software contracts, you have telephony.

Tate Ficker: Everything's kind of structured and set up for [00:08:00] you to focus on what you know you're trying to achieve. I think. The other component of it. It's been a business that's been around for a long time. There's opportunity around every corner. And so process, culture, who we are, our mission, our vision, our core values, how we want to deliver a different type of insurance experience to customers was unchartered, right?

Tate Ficker: And so how do we think about new processes that put the customer first? How do we think about demonstrating and living our culture and who we are and our core values every day. And then how do we use technology as a facilitator to meet customers where they are, whether prefer texting. You prefer email, you prefer face-to-face.

Tate Ficker: You want to come into the office and have a conversation. We have to be nimble enough to meet customers where they are and really create value for them too. 

Elise Kiely: You and I have chatted about this before. I think culture is so important to both of our businesses and we are both in the relationship business and it is not a transaction.

Elise Kiely: Set it and forget it. I consider my [00:09:00] clients who end up mostly becoming my friends I stay in touch with them regularly because I think it's important. People want to know what is the current value of my home? How has it gone up in value or how has it stayed flat in value depending on the situation?

Elise Kiely: And I know that's how you do your business is very relationship oriented. And going back to how we started the, this episode, talking about the LA fires. I imagine you had some clients reach out to you after such a notorious, significant event like that. It only is natural that people start thinking, okay, if this were to happen to me, am I covered?

Elise Kiely: And if we could respond to that a little bit. 

Tate Ficker: Yeah, absolutely. So first and foremost, our hearts go out to everyone impacted by the LA fires California families, firefighters rescue personnel. All the local businesses and I think everyone right now is starting to try to put the. Puzzle pieces back together and figure out where do we go from here.

Tate Ficker: And Allstate specifically. And at the agency [00:10:00] we our bread and butter is Allstate. They're a great brand, great product. In addition to that, we have 15 other carriers with different types of coverages, unique risk policies that we can help. Customers navigate through and find the right policy and fit for them.

Tate Ficker: But specifically for Allstate we deployed over 900 team members on site in California immediately with mobile claim centers to try to help, customers navigate this situation. And, many carriers look in the future to figure out how to predict what's going to happen in the space.

Tate Ficker: But the majority. Rate based on experience and lagging data, right? So it's a bit TBD to know how this is going to unfold and impact us. Specifically, I think. In the US if we're going to focus nationally. In the last 10 years there's been over $190 billion losses. 

Elise Kiely: Wow. Is that across disaster?

Elise Kiely: All brands or disasters?

Tate Ficker: Across all brands, there's been 190 separate billion dollar disasters. Your number 6,000 with over 6,000 dead 1.4 trillion in damages. 

Elise Kiely: Those are big numbers. We can just say them, [00:11:00] but behind every dollar. Is a family that's experienced devastation, correct? 

Tate Ficker: Correct.

Tate Ficker: And so if there's one thing that we can do from an insurance perspective is provide peace of mind, help educate customers, be advisors, and help them understand what's in what's out, and what do they have for options that we can help coach and guide them through. Insurance doesn't have to be complicated, however it is, and it does require a license.

Tate Ficker: It does require deep understanding and expertise. Our value proposition to customers is simplifying that though, and being very, there's a reason why we have two ears and one mouth, right? We listen we ask questions and then we advise and, it's important for me to have peace of mind at night that my customers are protected, and it's really important for me to know that they can have peace of mind too, that when disaster does strike.

Tate Ficker: That they're going to be able to rebuild and get back to where they were today. And I mentioned this to you before, but no one goes to bed at night and says, tomorrow's the day I'm going to use my [00:12:00] insurance. It's an accident. It's a disaster. It's something out of the unexpected. 

Elise Kiely: It's unplanned.

Tate Ficker: Unplanned. And. The only or the best way to prevent against financial hardship, emotional hardship, physical hardship, is to be prepared. And by understanding your policies and proactively having good deep conversations with your agent, you should be able to get to a place where you feel confident in what you have, in what you're paying for and what you're going to be covered for in the event of a loss.

Elise Kiely: Yeah. And. Hey, that's, I think those are all such great points and it can be intimidating or it's, it can be one of those things, oh, to have to open up my insurance policy. That's such a commitment. That's such a lift. I need to reserve four hours out of my day to deal with all the minutiae. As you and I were just talking, it's, it can be a much easier, less painful experience.

Tate Ficker: Absolutely. Yeah. We. We want to make insurance convenient and easy for our customers. And [00:13:00] so it doesn't necessarily mean it has to be convenient and easy for us, but we can simplify it in such a way that. We can express and articulate and help walk you through what's in, what's not, and how to make recommendations towards coverages that many times are not expensive, to increase property damage, to increase liability exposure.

Tate Ficker: These can be cents on the dollar or, very minimal annual impacts to your wallet that provide significant increases in coverage. 

Elise Kiely: So let's talk about that for a minute. Let's talk about some of those changes in life that happen as your families evolve and people grow and mature.

Elise Kiely: And let's also talk about when, as on the coast of Maine or even inland as we saw about a year and change ago with those two big storms, A lot of concern about flood and wind. Specifically, but you and I were just had, let's start with the first one first, about changes in life. Someone gets a new toy Sure.

Elise Kiely: Or adds someone to their family or. Even a dog. 

Tate Ficker: Yeah, no [00:14:00] great point. I think one of the biggest pitfalls homeowners make with their insurance is they set it and forget it. So I have a policy I'm good to go. I can put it in a closet somewhere and not think about it ever again. 

Elise Kiely: And it's usually when someone buys a home.

Elise Kiely: Correct. If there's a lender involved, there has to be insurance. Correct. And most sophisticated, educated homeowners who are buying with cash recognize that they need to have homeowners insurance. Correct. So that's when they set it. And forget it. Yes. 

Tate Ficker: And this is one of the biggest, if not the biggest.

Tate Ficker: Purchases of anyone's life, right? A home. And we're spending hundreds and thousands of dollars on average on this investment. And many consumers have a 401k, and that might be through their employer, or it might be through a personal advisor, and they're regularly meeting with them to talk about my retirement plan, what I need to do for savings, how do I be proactive.

Tate Ficker: Many people have tax preparation services, so whether that's through work, their employer, or through a personal accountant or even going through TurboTax or an online [00:15:00] platform, they have support around my taxes and annually understanding the impacts to how I'm going to file and what return or what I'm going to owe, and thinking through that.

Tate Ficker: Many people have an an attorney that helps 'em with end of life planning, right? So a will. What happens with the children? What happens with the assets? What happens with the estate? And many of these conversations are annual conversations that you're having as life evolves, as life changes. These plans should change with you.

Tate Ficker: Too often insurance is not part of that conversation. And so who goes out and buys a four or $500,000 home, a million dollar home, a $2 million home, and doesn't have in their annual financial planning. A review of how that asset's being protected. And I think it's a lot of people, right? Many consumers, 

Elise Kiely: I think it's most people.

Tate Ficker: And so that's something that we pride ourselves on and we just got nominated again for a number one insurance agent in the state of Maine for the third year in a row. That's amazing. Congratulations. Thank you. That's wonderful. And we were excited 'cause we also got number [00:16:00] one insurance company in the state this year too.

Tate Ficker: That's, I told the team at the agency who's, who are all phenomenal, experienced, great professionals and part of our family. And that reward and recognition is not me, it's them and all the hard work and the passion that they have for helping people. And our agents live and work in the communities that we serve.

Tate Ficker: We're bumping shoulders with you at Hannaford or at Shaws and we're at the sports fields with you, or we're at church on Sunday and so you feel connected and a part of it. And so we really advise and recommend insurance reviews or an annual exercise. Did you have a child that could change. Did you maybe go out and buy a new puppy? And you're bringing that into the family. Did you? 

Elise Kiely: And so many people did in the last few years. 

Tate Ficker: And they did. And COVID drove a lot of that. And even some of the things that people don't think about around we added a trampoline or we're buying a swing set.

Tate Ficker: Or we're upgrading our pool and 

Elise Kiely: or we bought jewelry. Or we bought jewelry. Exactly. Or art. 

Tate Ficker: And some of the things that might require an additional rider or a special policy to help [00:17:00] cover are often not unnoticed, but not communicated right back. So there has to be a level of communication and transparency.

Tate Ficker: And what we find is many times homeowners are hesitant to disclose to us all the details of their home. You start talking about that custom kitchen or that bathroom is not builder's grade. It's really a designer grade. And I think there's some hesitancy because they see dollar signs that's going to mean my insurance is more expensive.

Elise Kiely: My, my premiums will go up, my, 

Tate Ficker: my premiums are going to go up. In reality, they may, but it's not going to be significant beyond what. Is already part of the dwelling protection that you have and the plan you have in place. And at the end of the day, I want you to rebuild with a designer grade bathroom. I don't want you to have a designer grade bathroom and get a builder's grade bathroom.

Tate Ficker: And there's a big difference there, and people are hesitant to disclose that, but we want to dig that out of them. We want to ask questions. We want to know, did [00:18:00] you update the kitchen with a remodel. Did you add a new roof? Are you making updates to patios and walkways and different things around the outside and the inside of your home that we can help determine the value?

Elise Kiely: That's so interesting and because I have personal experience with this, as a year before you move to our neighborhood, and I, there'll be a future episode on this, but in, on March 13th, 2013, my family suffered a devastating house fire where. We lost virtually everything we owned, personal property wise, and the house.

Elise Kiely: The shell was intact, but we needed to gut the house and rebuild. And as part of that, they, the insurance company flew out from somewhere in the Midwest, I think it was Chicago, an expert, to see what was remaining in the house, to see the level of fit and finish, because that was going to be the level of fit and finish that they would cover for the rebuild.

Elise Kiely: And that is incredibly important because as we know, [00:19:00] new kitchens are incredibly expensive, and if you had to go and rebuild a new kitchen, that could eat up a significant portion of insurance proceeds. If you had a loss and I am one of those people that assume that would never happen to me, right?

Elise Kiely: That insurance was something I had to have. Because I had a loan on my house and no one ever thinks it will happen to them.

Tate Ficker: Yeah. And there, there are ways that you can make, like I always recommend make your insurance work for you, right? Don't just sign up and then not think about it again. Let's understand, let's pick back the layers of the onion really understand one, what's in and what's out. What's covered by your plan, right? And is it replacement cost? Is it actual cash value With depreciation? You need to be aware of those things. Could that, that can have a really big impact when there's time of a loss. It could be years later, right? What are your deductibles?

Tate Ficker: Do they fit your budget? Do you have add-ons within even your automobile policy, like transportation expense or roadside coverage? All of these things in whole are small [00:20:00] tweaks along the way, but understanding what's in and what's out is really important. So at the time of loss, you're not then figuring out what's in and what's out.

Tate Ficker: You've already done that homework. You already have an agent who's local, understands the main dynamics and community, and can help communicate to you in a way that allows you to digest it allows you to understand it and allows you to feel good about the protection that you have. Yeah. 

Elise Kiely: And at that time of loss, there's so much you're dealing with.

Elise Kiely: If you have to deal with that, of what's in, what's out and negotiating, navigating that experience it becomes overwhelming with all the other things you have to take care of. 

Tate Ficker: Yeah. I can't imagine. I'm so sorry for your loss too. And the trauma, it's the physical loss of the property and trying to figure out the path forward. But, there's an emotional piece to this. There's obviously financial burden and stress that can be a part of it. And if you have a family and trying to navigate those conversations and situation with your, children or loved ones it's something that you don't want to have to stress over and you want to feel hundred percent really confident that you have someone that [00:21:00] cares about you.

Tate Ficker: An insurance agent that also is looking out for you and recommends coverages based on what they would recommend for their own family. 

Elise Kiely: And that's so true. And I will say, and I will expand more of this in a future episode, one of the things that I took away from that experience, it, it took several years, frankly, before I could even talk about it without getting emotional because the way that our neighborhood and our community, our town. And my network came and wrapped their, wrapped us in their arms was tremendous. And I know there are a lot of lovely communities around this country. But Maine is a pretty special place, and the help and support that we got was such a comfort and it really helped us survive that situation.

Elise Kiely: And that's why I think about those people in LA There is no neighbor to come and bring a casserole to do a meal, train to help with that. And so it's devastating to think about what they are, what those, that community is going through. 

Tate Ficker: It is, and I think also, if I can just [00:22:00] add too.

Tate Ficker: I mentioned the, data around the number of natural disasters over the last 10 years. Maine is very much. In great shape as it relates to the number of disasters and where we rank nationally. For that, we're on the bottom of the list. 

Elise Kiely: Let's talk more about that, 'cause that feels good.

Tate Ficker: Yeah. Yeah. So we're on the bottom of the list as it relates to national disasters. I will say though, in the last two years, we've had seven disaster declarations, and for context in the last 50, we average about one a year. 

Elise Kiely: Wow. So can you say that again? I think that's super important. 

Tate Ficker: Sure. So in 2023 and 2024, we had seven disaster declarations in the state of Maine.

Tate Ficker: So flooding, ice storms, there's a few tornadoes that ripped through, if you recall. And on average since, 1970, there's about one per year. So I think the intensity and the frequency is continuing to be up on the rise across the country. And we're not immune to it. Those are small numbers, relatively speaking, but at the end of the day, it's significantly more than [00:23:00] the average over the last 50 years.

Tate Ficker: So it's something to be aware of, and just nationally, there's a lot of kind of key trends that are happening that we might feel like, oh, we just see it on the news. It might not. Impact us, but I think the fires has everyone lifting their head up and just wanting to learn a little bit more.

Tate Ficker: The biggest things that I'm seeing nationally, really like just to keep an eye on would be obviously economic inflation, social inflation climate and weather certainly. We think about technology and AI and telematics, and the fifth that's rearing its head right now is the geopolitical supply chain.

Tate Ficker: Challenges that we might be up against with some of these terrorists coming from our north and south borders. Economic inflation is continuing to be on the rise. Maine sheltered a bit from premium as it relates to the impact from that. Maine, still lowest premiums in the country.

Tate Ficker: So we can be happy out of that. We can be happy about that. This the social impact. So every time you turn on the tv, every time you turn on the radio, you probably hear, have you been [00:24:00] injured in an accident? Call the law offices of x, y, Z, right On the social side. There's so much going on right now with the courts and massive payouts being demanded by consumers for liability and neglect and being at fault.

Tate Ficker: That COVID drove a lot of this, but a lot of those courts got backdated or hearings were pushed out, and there became such a backlog that. It, to break it down from an insurance perspective, you start thinking about alternate living expenses then are extended by a significant period of time.

Tate Ficker: Rental cars needed are extended by a long period of time. And so all of those factors contribute towards premiums. And when you do that, you look at that from a national level start, the numbers start to get big really quick. 

Elise Kiely: And Tate, just to be clear, natural disasters that happen across the country have an impact on all premium payers. On all insurance customers. 

Tate Ficker: Yeah. So carriers traditionally look at. Their rating based on [00:25:00] experience. So what's happened, and then a lot of lagging data. So they use information to then apply and file with the states to get rate increases. And they work closely with the states on making sure that they're accepted and approved and then that goes into effect. At the end of the day, insurance is a bit of a shared risk pool. Although, we have customers that will call and say, Hey, we're going to, you're experiencing our rate increase in your next renewal. Here's why. Let's talk about it. We found some options for you around discounts and how we can make your policies better suited for your budget and your coverage needs but we're not, just because you haven't had an accident or haven't filed a claim or feel like you're a safe driver, doesn't mean insurance is not going to go up. If you look at the last 20 years, college, tuition up 200%. Childcare up 150% food and beverage up 80%. Like the list goes on. Everything's becoming more expensive.

Tate Ficker: And just because, insurance sometimes feels like you're paying for something that you can't touch or [00:26:00] feel. And it's in this intangible thing that's not cheap, it's expensive. And what do I get in return for it? You don't know what that is until you need it, but that's going to continue to be a theme.

Tate Ficker: And that bumper, that cost. $300, five, 10 years ago to replace, it's highly computerized with sensors and it could be 1500 or $2,000 to replace now. And somehow carriers have to pass those expenses onto the consumer. And in Maine specifically, labor's up 20%. Parts material's up 38%. So all of these things kind of factor in to premiums.

Tate Ficker: And then you layer in climate and weather impacts like these natural disasters, and it's going to continue to build momentum in that way. 

Elise Kiely: So what I'm hearing is that we're not immune to adjustments in premiums caused by natural events in other parts of the country. But vis-a-vis the rest of the country, our premiums are among the lowest. 

Tate Ficker: They are correct.

Elise Kiely: Tate, thank you for sharing all of your insights on what is happening in the insurance industry to date. [00:27:00] This has been very helpful. I'm excited to continue part two of this conversation in our next episode. You have really given us a lot to think about and I'm excited to continue the conversation on the next one.

Tate Ficker: Thank you, Elise. 

Elise Kiely: Thank you for joining us on Elegant Maine Living, and remember if you are dreaming of a lifestyle in Maine or already living it, this podcast is for you. Be sure to subscribe so you don't miss an episode. And I invite you to take this journey with me. Please share it with your friends, family, neighbors, and coworkers.

Elise Kiely: I would love a review and welcome feedback and encourage you to reach out with questions or topics you would like to hear about. You can find me on Instagram, Facebook, and LinkedIn, or simply an email to Elise@EliseKiely.com, and all of those links will be in the show notes. And remember, this podcast is for [00:28:00] entertainment and informational purposes only, and does not create an attorney-client, or real estate advisory relationship.

Elise Kiely: I am happy to engage. If you have any questions or if I can help in your real estate journey, simply click on the links in the show notes to contact me through social media or email. I am always happy to help in any way that I can, and we welcome you to come and explore Maine. Thank you for listening to Elegant Maine Living, where elegance isn't just an aesthetic, it's a way of life.

Elise Kiely: Until next time, keep living with elegance.