Portfolio manager Cale Smith on investing, Spoke Funds®, and Islamorada in the Florida Keys.

Don’t forget Key Largo’s 35th annual July 4 parade! The parade gets rolling at 10 a.m. from the parking lot at Anthony’s Clothing Store, mile marker 98.2. Plan on slow traffic from 8:30 (since there is a pre-parade race) until noon-ish. Free hot dogs at the park behind TIB after the parade. It’s a great small-town celebration in the best tradition.