You can hear New York City clearly in his voice, but Gonzalo "John" Echevarria, a financial advisor with AMTrust Bank, a division of New York Community Bank, is happily ensconced in Bal Harbour, Florida, where he runs an investment program at three branches in Bal Harbour, Miami Beach and Pembroke Pines.

Echevarria moved with his family-his wife and two small kids, then 3 and 5-to Florida three years ago. It was a big financial hit, as he had to leave behind a $120 million book at NY Community Bank. And last year, his first full year in Florida, he was only up to $27 million in assets under management, less than 25% of his old level. But Echevarria isn't complaining.

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