Jazz Wealth

Jazz Wealth Retirement investing and financial education. (We'll never reach out to you with a WhatsApp number or crypto offer. https://linktr.ee/jazzwealth

If you see something like that then it's a scam.) We are a wealth management firm that specializes in improving on the traditional buy and hold approach. To use a simple analogy, we do this by treating ones retirement investments as if they were real estate. For more information call us at 727.492.0314 or visit JazzWealth.com

09/03/2026

New stocks often arrive with a bang… but what happens afterward?
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Please consult with a
qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is not indicative of future results. Please consult with a
qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

References to specific securities, including SpaceX, Meta, Amazon, Apple, Netflix, Facebook, Alibaba, Airbnb, Snowflake, Rivian, and others, are provided solely for illustrative and educational purposes and should not be considered recommendations or endorsements.

Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. Securities of newly public companies (IPOs) may be subject to greater volatility, limited trading history, evolving valuations, and increased market risk. Investments in individual securities and concentrated positions can experience significant price fluctuations and losses.

Investment advisory services are offered through Steward Partners
Investment Advisory, LLC ("SPIA"), an SEC-registered investment adviser.
SPIA and Steward Partners Global Advisory, LLC are affiliates and
collectively referred to as Steward Partners.

09/02/2026

Took a withdrawal from your IRA early? Can you fix it?
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or
sale of any security. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

Educational content only. Not investment, tax, or legal advice. Not a recommendation to buy, sell, or hold any security or to engage in any specific transaction. Consult your tax and financial professional regarding your individual situation. General summary of federal rollover
rules under IRC §408(d)(3). The 60-day rollover period generally begins on the date the distribution is received. IRS relief or waiver provisions may be available in limited
circumstances. Generally, any amount not rolled over within the applicable 60-day period is treated as a taxable distribution.

Investment advisory services are offered through Steward Partners Investment Advisory, LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners

09/01/2026

How often should you rebalance? Ycharts put together an interesting study, so I’ll go
through that and give you the pros and cons of their study!
The views expressed herein are those of the author and do not necessarily reflect the views
of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither
the information provided, nor any opinion expressed constitutes a solicitation for the
purchase or sale of any security. All investing involves risk, including the potential loss of
principal. Past performance is not indicative of future results. Please consult with a qualified
financial, legal, or tax professional before making any financial decisions. Steward Partners,
its affiliates, and its Wealth Advisors do not provide tax advice.

For informational and educational purposes only. Not investment advice. Historical analysis
of a hypothetical portfolio. Hypothetical results do not reflect actual client accounts. Past
performance is not indicative of future results. All investing involves risk, including loss of
principal.

Investment advisory services are offered through Steward Partners Investment Advisory,
LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global
Advisory, LLC are affiliates and collectively referred to as Steward Partners.

07/10/2026

What are the odds that your cash position beats the S&P 500?
This material is provided for informational and educational purposes only and should not be construed as investment advice or a recommendation to buy, sell, or hold any security or investment strategy. The discussion comparing cash positions to the S&P 500 is based on historical market data and is intended solely to illustrate general investing concepts over various time horizons. Historical comparisons between cash and equity market returns do not guarantee future performance and should not be interpreted as a prediction of future market results.

The S&P 500 is an unmanaged index of large-cap U.S. stocks and cannot be invested in directly. Index performance does not reflect the deduction of fees, expenses, transaction costs, or taxes. Cash investments may include bank deposits, money market instruments, or other short-term holdings, each of which carries different characteristics and risks. While cash may be subject to lower short-term market volatility than stocks, it is exposed to inflation risk and may lose purchasing power over time.

References to maintaining cash positions, investing during market declines, or dollar-cost averaging are provided for educational purposes only and may not be appropriate for all investors. Dollar-cost averaging does not assure a profit or protect against loss in declining markets and requires a commitment to continue investing during periods of market fluctuation.
All investments involve risk, including the possible loss of principal. Past performance is not indicative of future results.

Investment advisory services are offered through Steward Partners Investment Advisory, LLC (“SPIA”), an SEC-registered investment adviser. SPIA and Steward Partners Global Advisory, LLC are affiliates and collectively referred to as Steward Partners.

07/05/2026

Traditional IRA vs. Roth IRA - 4 Things to consider when choosing which
one to go with!
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates,
and its Wealth Advisors do not provide tax advice.

This content is provided for informational and educational purposes only and should not be construed as tax, legal, or investment advice. The discussion of Traditional and Roth IRAs is general in nature and does not account for individual financial situations, tax considerations, or eligibility requirements. Tax treatment differs based on account type; while Roth IRA distributions may be tax-free, this generally applies only if certain IRS requirements are met, including applicable holding periods and qualified distribution rules. Contributions, withdrawals, and
conversions may have tax implications, and eligibility for Roth IRA contributions may be subject to income limits.

Sources: https://ow.ly/Roz950Zisq7

07/02/2026

Who did it better? Two takes, one topic. Let's break down the 1099-R and what you're actually responsible for when you pull money from your IRA.\
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

The discussion of IRA withdrawals, IRS Form 1099-R, and potential exceptions to early withdrawal penalties is general in nature and may not apply to all individuals or situations. While certain withdrawals may qualify for exceptions to the 10% early distribution penalty, eligibility depends on specific IRS rules and individual circumstances, and the responsibility for properly reporting the nature of a distribution to the IRS ultimately rests with the taxpayer. Brokerage firms may report distributions but do not determine or verify whether an exception applies. All withdrawals from retirement accounts may be subject to ordinary income taxes and could result in additional tax consequences. Individuals should consult with a qualified tax or financial professional before taking distributions or filing related tax forms to ensure proper treatment and compliance with applicable regulations.

Sources: https://ow.ly/poB050Ziskp

07/01/2026

Can you access your 401(k) funds early? Let’s break it down.
The views expressed herein are those of the author and do not necessarily reflect the views
of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

This content is provided for informational and educational purposes only and should not be
construed as financial, tax, or investment advice. The discussion of the Rule of 55 and early
withdrawals from retirement accounts is general in nature and may not apply to all
individual situations or retirement plans, as plan-specific rules and limitations may vary.
Withdrawals from retirement accounts may be subject to ordinary income taxes and could
have additional tax consequences depending on timing and individual circumstances.

Sources: https://ow.ly/QKva50ZihLG

06/30/2026

When the market drops, most people panic. Smart investors think about conversions
The views expressed herein are those of the author and do not necessarily reflect the views
of Steward Partners or its affiliates. All opinions are subject to change without notice.
Neither the information provided, nor any opinion expressed constitutes a solicitation for
the purchase or sale of any security. All investing involves risk, including the potential loss
of principal. Past performance is not indicative of future results. Please consult with a
qualified financial, legal, or tax professional before making any financial decisions.
Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.
Roth conversions may not be suitable for all investors. Converting assets from a traditional
IRA to a Roth IRA is a taxable event and may significantly increase current income tax
liability. Withdrawals from retirement accounts are subject to ordinary income tax and, if
taken prior to age 59½, may be subject to a 10% federal tax penalty unless an exception
applies. Roth IRA conversions are subject to a five-year holding period before earnings may
be withdrawn tax-free, and each conversion may have its own holding period. References
to market pullbacks, recovery periods, or timing strategies are based on historical
observations and are not predictive of future market performance. Attempting to time
conversions based on market conditions involves risk, including the possibility of adverse
market movements following a conversion. Any examples, scenarios, or illustrations
provided are hypothetical, are based on assumptions, and are intended solely to
demonstrate general concepts. Actual outcomes will vary based on market performance,
timing, tax implications, fees, expenses, and individual circumstances. Investors should
carefully consider their individual financial situation, tax bracket, time horizon, and
investment objectives prior to implementing any strategy.

06/29/2026

Inflation v. Returns. How your returns can be impacted by inflation..
The views expressed herein are those of the author and do not necessarily reflect the views of Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the information provided, nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. All investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Please consult with a qualified financial, legal, or tax professional before making any financial decisions. Steward Partners, its affiliates, and its Wealth Advisors do not provide tax advice.

This is for educational purposes only. References to the S&P 500 Index are for illustrative
purposes only. The S&P 500 is a market-capitalization-weighted index of 500 large-cap U.S. companies, is unmanaged, and cannot be invested in directly. Historical return figures, including nominal and inflation-adjusted (“real”) returns, are based on publicly available data believed to be reliable but not independently verified and are subject to change. Unless otherwise noted, returns may assume reinvestment of dividends and do not reflect fees, expenses, or taxes, which would reduce results. Actual investor outcomes will vary. Discussion of inflation, purchasing power, and market performance is intended to illustrate general concepts only. Any charts, tables, or examples presented are hypothetical, basedon assumptions, and do not reflect the performance of any specific account. Market conditions, interest rates, and inflation vary over time, and historical relationships may not persist. Equity investments are subject to market risk and volatility.

Diversification does not guarantee a profit or protect against loss. This information does
not take into account your individual circumstances. You should consult with a qualified
financial, legal, or tax professional before making any financial decisions

06/16/2026

Joint Brokerage Account vs. Individual Account With Spouse as Beneficiary: What's the
Difference?
Choosing between a joint brokerage account and an individually held account with
your spouse named as beneficiary may seem like a small decision — but it can have meaningful
tax implications when an asset is passed on. In this video, Dustin Tibbitts, Wealth Advisor of
Jazz Wealth walks through how the step-up in basis works differently depending on account
titling,and why that distinction matters for surviving spouses.
The views expressed herein are those of the author and do not necessarily reflect the views of
Steward Partners or its affiliates. All opinions are subject to change without notice. Neither the
information provided, nor any opinion expressed constitutes a solicitation for the purchase or
sale of any security. All investing involves risk, including the potential loss of principal. Past
performance is not indicative of future results. Please consult with a qualified financial, legal, or
tax professional before making any financial decisions. Steward Partners, its affiliates, and its
Wealth Advisors do not provide tax advice.
This content is for informational and educational purposes only and should not be considered
tax, legal, estate planning, or investment advice or a recommendation. The tax treatment of
brokerage accounts, including step-up in basis rules, depends on factors such as account
ownership structure, state law (including community property considerations), titling, and
individual circumstances. Examples provided are simplified and for illustrative purposes only
and may not reflect actual outcomes. A full step-up in basis is not guaranteed in all situations,
including certain jointly owned accounts, and tax consequences may vary. Decisions regarding
account ownership, beneficiary designations, and transfer-on-death (TOD) arrangements should
be made in coordination with qualified tax and legal professionals.

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2300 Tall Pines Drive
Largo, FL
33771

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