Guerra Wealth Advisors

Guerra Wealth Advisors We are a full-service financial advisory firm helping families create wealth management strategies.

When you choose our financial planning services, you benefit from obtaining comprehensive advice from a team of highly qualified professionals - individuals with vast experience in addressing your particular concerns. Our mission is helping our clients manage the long-term decisions that ultimately determine the wealth which they and their families accumulate.

05/28/2026

Many retirees in South Florida have built significant wealth through real estate.

But there’s a major difference between having a high property value and having reliable retirement income.

In this week’s Retirement Ready Minute, Sebastian Guerra explains why many retirees become asset rich but cash flow poor, especially when rental income gets reduced by property taxes, insurance, HOA fees, maintenance costs, and unexpected expenses.

A property may grow from $200,000 to $1 million over time, but appreciation alone does not pay monthly bills in retirement.

That’s why retirement planning should focus not only on net worth, but also on cash flow, liquidity, diversification, retirement income, and long-term sustainability.

Before retirement, it’s important to ask:
Is this investment truly supporting my lifestyle and retirement goals?

Catch the Retirement Ready Minute every Saturday and Sunday on NBC 6 and WSVN FOX Channel 7.

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

Thinking about retiring in Florida? Read this before you move.Florida retirement planning can offer major benefits like ...
05/28/2026

Thinking about retiring in Florida? Read this before you move.

Florida retirement planning can offer major benefits like no state income tax, homestead protections, and an active retirement lifestyle. But rising home prices, property taxes, HOA fees, and homeowners insurance costs are catching many retirees off guard.

Many people searching for the best states to retire in assume Florida automatically means lower retirement costs. The reality is more complicated.

Here are some of the biggest retirement risks when moving to Florida:
• Rising Florida home prices
• Property tax reassessments after purchasing a home
• Increasing homeowners insurance premiums
• Hurricane-related insurance costs
• HOA fees and maintenance expenses
• Inflation impacting retirement income

The good news:
Florida still remains one of the most tax-friendly states for retirees because there is:
• No state income tax
• No estate tax
• No inheritance tax
• Strong homestead protections

The key is building a retirement income plan that accounts for taxes, inflation, insurance, healthcare, and long-term lifestyle expenses before making the move.

A successful retirement is not just about where you retire. It is about whether your financial plan can support the lifestyle you want long term.

Schedule a complimentary retirement review:
https://tinyurl.com/4hw4dtuz

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

05/27/2026

A lot of people dream about retiring at 55 or 60.

But there’s one major expense many overlook:Health insurance before Medicare eligibility at 65.

Healthcare inflation has historically risen faster than normal inflation, and covering 5 to 10 years of healthcare expenses on your own can become a serious financial burden if you don’t plan properly.

What many retirees miss is this:Affordable Care Act subsidies are based on taxable income, not your net worth.
That means your withdrawal strategy matters.

If most of your retirement savings are sitting inside pre-tax accounts like IRAs or 401(k)s, every withdrawal could increase your taxable income and potentially reduce ACA subsidy eligibility.

But retirees with diversified tax buckets, including Roth accounts and brokerage accounts, may have more control over their taxable income and healthcare costs before Medicare begins.

Retirement is not only about accumulating money.It’s about structuring it intelligently.

Download our complimentary Retirement Freedom Guide to learn strategies for retirement income planning, tax-efficient withdrawals, healthcare planning, and building long-term financial confidence:
https://tinyurl.com/2z48am7b

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

Discipline looks different for everyone.For Leonardo Guillen, it’s helping families move closer to their Freedom Number ...
05/27/2026

Discipline looks different for everyone.

For Leonardo Guillen, it’s helping families move closer to their Freedom Number by day, and training Brazilian Jiu-Jitsu by night.

Born and raised in Peru, Leonardo brings focus, precision, and relentless work ethic into everything he does at Guerra Wealth Advisors.

From executing financial plans to pursuing continuous growth through his licenses and education, he represents the next generation of leadership in wealth management.

A 20% market drop isn’t a possibilityIt’s a reality that happens over timeThe real question is… what happens to your inc...
05/26/2026

A 20% market drop isn’t a possibility
It’s a reality that happens over time

The real question is… what happens to your income when it does?

If your retirement plan hasn’t been stress-tested for market drops, inflation, and rising expenses, you’re not planning, you’re guessing

Download the Retirement Freedom Guide and see what most plans are missing
https://tinyurl.com/2z48am7b

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

05/26/2026

One IRA withdrawal could increase your Medicare premiums for years.

Most retirees don’t realize Medicare looks at your income from TWO years ago.

That means:
• Large IRA withdrawals
• Roth conversions
• Selling a property
• Big capital gains

can all trigger higher Medicare premiums later through IRMAA.

Then once RMDs begin at age 73, many retirees get pushed into even higher income brackets without realizing it.

This is why retirement tax planning is about more than just taxes.
It’s also about controlling healthcare costs and protecting retirement income.

Want to better understand the tax strategies retirees should know heading into 2026?

Download our free 2026 Tax Strategy Playbook:
https://tinyurl.com/2s3vntxj

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

05/25/2026

Weekly Market Update – Through May 22nd

Markets may be hitting new highs, but the economy is still sending mixed signals.

Inflation, oil prices, interest rates, and global tensions continue shaping the retirement landscape for millions of Americans.

In times like these, retirement planning becomes less about chasing returns and more about building stability, reliable income, and long-term confidence.

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our country.In observance of Me...
05/25/2026

Today, we honor and remember the brave men and women who made the ultimate sacrifice for our country.

In observance of Memorial Day, our office is closed today, Monday, May 25.

Wishing you and your family a safe and meaningful Memorial Day.

A strong company is never built by one person.It’s built through teamwork, communication, accountability, and people wil...
05/25/2026

A strong company is never built by one person.

It’s built through teamwork, communication, accountability, and people willing to push each other to grow.

Every huddle at Guerra Wealth Advisors is a reminder that behind every family we help is an entire team working together toward one mission: helping people become Retirement Ready.

Make work an option, not an obligation… that’s our lema.We work so you can say that proudly, not just as an idea, but as...
05/24/2026

Make work an option, not an obligation… that’s our lema.

We work so you can say that proudly, not just as an idea, but as a reality backed by a plan.

Because retirement isn’t about hitting a certain age and hoping everything works out. It’s about designing income that shows up every month, regardless of what the market is doing.

That’s where most people get it wrong. They focus on growing their money, but never build a strategy for how to actually use it.

If you want to see how that works, download our Freedom Formula and start connecting the pieces.

https://tinyurl.com/4t6nd55d

This content is for informational and educational purposes only and should not be considered personalized financial advice. Always consult with a qualified fiduciary advisor before making any financial decisions.

Address

6401 SW 87th Avenue Ste 119
Miami, FL
33173

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Website

https://calendly.com/guerrawealthadvisors/schedule-a-meeting?utm_source=Facebook+Organic&u

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