Retirement Planning ·
Retiring in Florida: What It Actually Costs
No state income tax is real. So are the property insurance premiums, CDD fees, and pre-Medicare healthcare costs that people leave out of the budget.
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Financial planning, explained in plain English.
Practical articles on investing, retirement, estate, business, and risk planning for Tampa Bay families and business owners, from Mike Garcia, AAMS®.
Financial Planning ·
CPA or Financial Advisor: What Each One Actually Does
A CPA and a financial advisor solve different problems, and the overlap is smaller than most people assume. Here is who to call, and when you need both.
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Financial Planning ·
How Much Does a Financial Advisor Cost? A Plain-English Breakdown
What financial advisors actually charge, how each fee model works, and the questions that get you a straight answer before you sign anything.
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Estate Planning ·
Florida Has No Estate Tax. Here's the Tax Bill Your Heirs Could Still Get.
Florida has no estate or inheritance tax, but the federal estate tax still applies, and step-up in basis affects far more families.
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Retirement Planning ·
What Actually Happens to Your 401(k) When You Leave a Job (And the 4 Options Nobody Explains Clearly)
Left a job in Tampa Bay? The 4 things you can do with your old 401(k), including when a rollover to an IRA is the wrong move.
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How to Choose a Financial Advisor in Tampa Bay: A Practical Checklist
A plain-English checklist for choosing a financial advisor in Tampa Bay, from credentials and fiduciary duty to fees and local fit.
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