Julia Prisco, Partner Buttonwood Point

05/22/2026

This Memorial Day, we honor and remember the heroes who gave everything in service to our nation.

04/15/2026

There's a common misconception that the more money you have, the better off you'll be in retirement. But that's not quite the case.

A larger portfolio can help, but the real difference is knowing how you'll spend and sustain your wealth to last a lifetime. Beyond a nest egg, you need a clear plan.

Overspending can happen, but underspending in retirement is possible too.

Knowing how much is available for necessities like recurring bills, taxes, and healthcare costs is important. Equally important is knowing how much is available for what matters most to you, including your bucket-list splurges. Planning for both reduces your chance of missing either.

Focusing on your plan, not just your account balance, is a more effective way to keep your wealth supporting you throughout retirement.

04/08/2026

Many people see a big tax refund and assume their tax strategy worked well. That's not always true.

A refund usually just means you paid more in taxes than you needed to during the year. You gave the government extra money from each paycheck, which they paid back later—essentially, you made an interest-free loan.

Unless loaning free money is your goal, your hard-earned cash could have been working for you in the meantime: earning interest, invested in the markets, or paying down debt.

This issue with "overwithholding" can happen when your tax situation isn't coordinated across all income sources.

Your salary, bonuses, equity pay, and investment gains are often handled separately. But a proactive tax plan can fix that by looking at everything together and finding a balance between tying too much cash up for taxes during the year and underpreparing for a tax bill come April.

04/01/2026

Was your tax bill higher than you expected this season?

A common reason is under-withholding during the year. This is especially true for high earners whose pay changes from year to year.

Bonuses, equity pay, and deferred income are not always taxed like base salary. The default withholding rate, often around 22 percent, can be too low for what you'll actually owe and can lead to an unpleasant surprise.

RSUs are a good example. Do you know that when the shares vest, the value is added to your ordinary income but sometimes taxed at a different rate? Stock options are even more complex, with different types of options, each with their own tax intricacies. Equity compensation looks great on paper but without careful planning may have unexpected impacts.

When income sources are not coordinated and planned for, the problem shows up at filing time. The result can be a bigger tax bill, possible penalties and unhappy taxpayers.

03/11/2026

As a mother of three daughters, Women's History Month feels especially personal to me.

I often think about the kind of women they have become. Strong, thoughtful, capable, and confident in who they are. I want them to always know their voice matters, their work matters, and that they never need to shrink themselves to fit someone else's expectations.

Raising girls has made me even more aware of how important it is for them to see women leading, building, speaking up, and creating lives on their own terms. Not perfectly, but with courage and conviction.

That example starts at home, but it is reinforced by every woman they see showing what is possible.

03/04/2026

Too many high earners assume that maxing out accounts (like your 401(k)) equates to a strong tax strategy. It doesn't.

Salary, bonuses, equity, deferred comp, and investment activity each have different tax impacts. They rarely line up on their own.

What moves the needle is understanding how these individual pieces work together and having a tax strategy to cover a lifetime, not just the year. The bigger tax costs often come from uncoordinated income sources, not a missed deduction.

Keep tax planning at the center of your ongoing plan. Align contributions, equity timing, and giving so the parts work together—now and in retirement. Remember it's not how much you make, it's how much you keep.

11/26/2025

Wishing you a warm and joyful Thanksgiving filled with gratitude and connection.

08/28/2025

Adulthood looks different than it did 30 years ago. Today's young adults face rising costs, delayed milestones and evolving expectations, and many parents are stepping in to help. Explore how financial and emotional support are shaping this transition:

raymondjames.com

08/26/2025

College is not just for the young. More adults over the age of 50 are returning to the classroom, finding purpose, building connections and experiencing cognitive benefits along the way. Discover how lifelong learning is reshaping retirement.

raymondjames.com

08/22/2025

Estate planning is just as important for those without heirs, though choosing your medical and financial surrogates may need extra attention.

raymondjames.com