Financial planning articles from Mike Garcia, AAMS®, serving Tampa Bay.https://mike.briacg.com/en-ushttps://mike.briacg.com/blog/retiring-in-florida-what-it-costs/https://mike.briacg.com/blog/retiring-in-florida-what-it-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.Fri, 14 Aug 2026 00:00:00 GMTRetirement Planninghttps://mike.briacg.com/blog/cpa-vs-financial-advisor/https://mike.briacg.com/blog/cpa-vs-financial-advisor/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.Fri, 07 Aug 2026 00:00:00 GMTFinancial Planninghttps://mike.briacg.com/blog/how-much-does-a-financial-advisor-cost/https://mike.briacg.com/blog/how-much-does-a-financial-advisor-cost/What financial advisors actually charge, how each fee model works, and the questions that get you a straight answer before you sign anything.Fri, 07 Aug 2026 00:00:00 GMTFinancial Planninghttps://mike.briacg.com/blog/florida-estate-tax-what-heirs-still-owe/https://mike.briacg.com/blog/florida-estate-tax-what-heirs-still-owe/Florida has no estate or inheritance tax, but the federal estate tax still applies, and step-up in basis affects far more families.Wed, 22 Jul 2026 00:00:00 GMTEstate Planninghttps://mike.briacg.com/blog/what-happens-to-401k-when-you-leave-a-job/https://mike.briacg.com/blog/what-happens-to-401k-when-you-leave-a-job/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.Wed, 22 Jul 2026 00:00:00 GMTRetirement Planninghttps://mike.briacg.com/blog/how-to-choose-a-financial-advisor-in-tampa-bay/https://mike.briacg.com/blog/how-to-choose-a-financial-advisor-in-tampa-bay/A plain-English checklist for choosing a financial advisor in Tampa Bay, from credentials and fiduciary duty to fees and local fit.Wed, 15 Jul 2026 00:00:00 GMTFinancial Planning