Bob Metz - Lifetime Financial Growth

Bob Metz - Lifetime Financial Growth My Practice is about Transformation, Not Transactions. It is built on Relationships. OSJ: 125 SE Via Tesoro, Suite 203; Port St. Lucie, FL 34984. Mr.

Robert Metz, CRPC, AAMS is a Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS). Phone: (772) 279-6200. Securities products and advisory services offered through PAS, member FINRA, SIPC. Metz is also a Financial Representative of The Guardian Life Insurance Company of America® (Guardian), New York, NY. PAS is a wholly owned subsidiary of Guardian. Lifetime Financi

al Growth is not an affiliate or subsidiary of PAS or Guardian and is not registered in any state or with the U.S. Securities and Exchange Commission as a registered investment advisor. This material is intended for general use. By providing this content Park Avenue Securities LLC and your financial representative are not undertaking to provide investment advice or make a recommendation for a specific individual or situation, or to otherwise act in a fiduciary capacity. Guardian, its subsidiaries, agents, and employees do not provide tax, legal, or accounting advice. Consult your tax, legal, or accounting professional regarding your individual situation. Links to external sites are provided for your convenience in locating related information and services. Guardian, its subsidiaries, agents, and employees expressly disclaim any responsibility for and do not maintain, control, recommend, or endorse third-party sites, organizations, products, or services and make no representation as to the completeness, suitability, or quality thereof.

Behind every small business is someone who believes in themselves. 💼Business owners carry a weight most people don't see...
05/04/2026

Behind every small business is someone who believes in themselves. 💼

Business owners carry a weight most people don't see.

You're the CEO, the HR department, and sometimes the night janitor, all in the same day.

The financial picture is more complicated, too.

Choosing a retirement account, balancing what you pay yourself with reinvesting in the business, and making sure the company serves your life, not the other way around.

Think about your local coffee shop, the local family-owned restaurant, and the flower shop—those places exist because someone took a risk and kept showing up.

This week, skip the chain and stop by a small business instead. 🙌

According to the American Psychological Association…Money stress is one of the leading causes of anxiety—ahead of work, ...
05/02/2026

According to the American Psychological Association…

Money stress is one of the leading causes of anxiety—ahead of work, relationships, and health concerns.

May is Mental Health Awareness Month, and it's worth acknowledging what we see in this work every day: financial decisions carry emotional weight.

Will I have enough? Am I doing this right? What if something changes?

Looking ahead can help make the weight lighter, not heavier. If your financial life feels like a source of stress instead of clarity, that's worth paying attention to.

May is Military Appreciation Month.To everyone who served and the families who held things together back home: thank you...
05/01/2026

May is Military Appreciation Month.

To everyone who served and the families who held things together back home: thank you.

Military families deal with financial complexities that most people never encounter.

Deployments, relocations every few years, pension decisions, survivor benefits, and VA loans.

The financial picture looks different because military life looks different.

We're grateful to work with military families and veterans. And we’re grateful to all who served.

A lot of what drives outcomes is below the surface.For example, in 2022, when the S&P 500 fell more than 18 percent, two...
04/30/2026

A lot of what drives outcomes is below the surface.

For example, in 2022, when the S&P 500 fell more than 18 percent, two-thirds of mutual funds still made capital gains distributions, according to a 2025 Fidelity report.

That is not a headline most investors expect, and it is a reminder that taxable distributions from mutual funds do not always reflect market performance.

What’s really going on:
A mutual fund can distribute taxable capital gains when the manager sells underlying holdings at a profit, even if you don’t sell any shares of the fund.

It can happen in a down year; gains on individual holdings can occur while the overall fund value declines.

Buying a mutual fund late in the year can still leave you responsible for distributions tied to that full calendar year.

Fidelity cites a Morningstar study showing taxes may reduce portfolio returns by up to 2 percent annually on average when not accounted for.

There are ways to manage surprise distributions, including tax-smart account placement, tax-managed funds, and evaluating ETFs, where appropriate.

Remember, mutual funds and ETFs are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.

This is not about avoiding mutual funds. It is about the benefits of working with a financial professional who can show you what mutual funds pay capital gains and what funds are designed to manage payouts. Your tax, legal and accounting professionals can show you how a capital gain will affect your tax situation.

Think “tax-loss harvesting” is only for bad markets or complicated portfolios?At a simple level, it is this: using certa...
04/28/2026

Think “tax-loss harvesting” is only for bad markets or complicated portfolios?

At a simple level, it is this: using certain investment losses to manage taxes while keeping focus on your long-term strategy.

How it works in plain English:

➡️ Sell an investment at a loss, then replace it with a different investment that plays a similar role in the portfolio.

➡️ Use the realized loss to offset realized investment gains.

➡️ If losses exceed gains, up to $3k per year (for married filing jointly) may offset ordinary income on federal taxes, and the rest carries forward.

➡️ Losses can be saved to offset future gains.

➡️ Watch the wash sale rule, which is buying the same or substantially identical security within a 30-day period before or after the “tax-loss harvesting” sale (61 days total).

➡️ We can show you how tax-loss harvesting works. Your tax, legal, and accounting professionals can show you how your decision will affect your tax situation.

The goal is not to chase tax savings. It’s to keep more of the portfolio working over time while staying aligned with the strategy.

👨‍💼👩‍💼 Take Your Child to Work Day brings out the best kind of energy in an office.Kids get to see where we grown-ups di...
04/23/2026

👨‍💼👩‍💼 Take Your Child to Work Day brings out the best kind of energy in an office.

Kids get to see where we grown-ups disappear all day, meet the people we talk about, and connect work to real life.

Those little moments stick—the walk around the office, the “what do you do” questions, the first time a kid feels included in something that matters to a parent.

Many of us have done this over the years, and it creates memories that last longer than anyone expects. It also gives kids a window into what good work looks like, showing up, being kind, solving problems, and taking care of people.

Hope a few future leaders are in the office today! 🏢

Would love to see photos in the comments!

💼 If the office had a control tower, it would not be in a corner office.Administrative Professionals Day is for the peop...
04/22/2026

💼 If the office had a control tower, it would not be in a corner office.

Administrative Professionals Day is for the people who keep the runway clear, the calendar sane, and the details tight.

In most firms, that role is bigger than a title.

It’s the person who anticipates what is needed before anyone asks.

It’s the person who protects focus, keeps everything on track, and makes sure our clients feel taken care of.

It’s the person who wears five hats and still brings calm to the day.

Grateful for the administrative professionals and the behind-the-scenes leaders who make the work better. 💼

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families fac...
04/16/2026

April is National Stress Awareness Month, and caring for aging parents is one of the biggest stressors many families face.

In our experience, stress drops when the basics are handled before there is urgency.

Here are 5 things to consider:

➡️ Financial power of attorney, so someone can act if needed

➡️ Healthcare proxy, so medical decisions are clear and legally supported

➡️ Account access, so a trusted contact can see what is happening without scrambling

➡️ Bill pay strategy, so nothing becomes a late fee problem on top of everything else

➡️ A shared “where things live” file, documents, logins, contacts, including key professionals

These are not fun conversations, but they are often a gift to future selves and to siblings who may need to step in.

When preparations have been made, families can give more time and attention to what actually matters.

Your Social Security claiming age doesn't just affect you. It could affect your spouse's income for life. 👇If you're the...
04/14/2026

Your Social Security claiming age doesn't just affect you. It could affect your spouse's income for life. 👇

If you're the higher earner, the age you claim shapes what your spouse receives as a survivor benefit after you're gone.

Claim at 62, and that smaller payment could follow them for decades.

A few things that surprise people when we walk through the math:

✅ Max monthly benefit in 2026: $2,969 at age 62 vs. $5,181 at age 70. Same person, very different outcome.

✅ Up to 85 percent of benefits may be taxable. A new $6,000 senior deduction helps, but it expires in 2028.

✅ Divorced after 10+ years? You may be eligible for benefits based on your ex-spouse's record without affecting their payments.

The break-even point between claiming early and delaying benefits falls between ages 78 and 81.

With the potential for one spouse in a married couple reaching 90, this decision deserves more than a guess. 💡

🐕 🐶 🐈 Whether you have a dog who loses their mind every time you walk in the door or a cat who barely acknowledges your ...
04/11/2026

🐕 🐶 🐈 Whether you have a dog who loses their mind every time you walk in the door or a cat who barely acknowledges your existence, you know how much pets mean to the people who have them.

They show up in our work more than you'd think.

Not just in estate preparation or budgeting for care, but in bigger conversations about what retirement looks like or what happens when circumstances change, and a pet's care becomes part of the equation.

For a lot of people, their pets are family, and preparation that ignores them misses the point.

Happy National Pet Day!! 🐕 🐶 🐈

Address

125 SE Via Tesoro, Suite 203
Port Saint Lucie, FL
34984

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm
Friday 8am - 4pm

Telephone

+17728670225

Website

Alerts

Be the first to know and let us send you an email when Bob Metz - Lifetime Financial Growth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category