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Davies Wealth Management Davies Wealth Management specializes in strategies to maximize your wealth and financial

The IRS just released updated 2027 tax brackets — and IRMAA surcharges are climbing again.If you have $1M+ saved for ret...
10/16/2026

The IRS just released updated 2027 tax brackets — and IRMAA surcharges are climbing again.

If you have $1M+ saved for retirement, here's something worth understanding this weekend:

**How you draw income matters just as much as how much income you draw.**

Many retirees pull from their portfolios in a way that accidentally pushes them into higher Medicare premium brackets — or triggers unexpected capital gains taxes. Not because they planned poorly. Because cashflow *structure* was never part of the original plan.

The order you tap your accounts — taxable, tax-deferred, Roth — can mean thousands of dollars in unnecessary taxes every single year.

We walked through five strategies built specifically for retirees who want income that's consistent *and* tax-efficient.

Worth a read if you're within five years of retirement — or already there.

👉 https://tdwealth.net/cashflow-investment-strategies-high-net-worth-retirees/



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.

Florida Retirement School #5: Why Florida's Tax Benefits Only Work If You Plan Around ThemUnpopular opinion: Moving to ...
10/16/2026

Florida Retirement School #5: Why Florida's Tax Benefits Only Work If You Plan Around Them

Unpopular opinion: Moving to Florida for the tax savings alone might be the most expensive financial decision you ever make — if the planning stops there.

Florida's advantages are real and significant:

✅ No state income tax
✅ Homestead Exemption protections that cap how fast your assessed value can rise
✅ Favorable estate treatment
✅ A quality of life along the Treasure Coast that's genuinely hard to match

But the families who benefit most from a Florida relocation treat the move as a financial planning trigger — not just a lifestyle upgrade.

Here's what that actually means:

🔹 **When do you establish domicile?** The timing matters more than most people realize — especially if you have income events, sales, or distributions planned.

🔹 **How does Homestead Exemption interact with your property tax assessment?** Miss the filing window and you could pay significantly more than your neighbors in the same home.

🔹 **What changes in your estate documents?** Florida has its own rules. Your old state's will and trust structure may need to be updated.

🔹 **What looks different with no state tax withholding?** Your retirement income picture changes — and so should your planning.

Stuart has become one of Florida's most sought-after communities for retirees making this transition thoughtfully — not just geographically, but financially.

If you're considering a move to the Treasure Coast or recently arrived, we put together a Florida Relocation Guide that walks through exactly these questions: tdwealth.net/florida-relocation-guide/

The tax benefits are there. The question is whether your plan is built to capture all of them.



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.

New video from Davies Wealth Management!"Cashflow Investment Strategies for High Net Worth Retirees"Watch: https://www.y...
10/16/2026

New video from Davies Wealth Management!

"Cashflow Investment Strategies for High Net Worth Retirees"

Watch: https://www.youtube.com/watch?v=gZfPaLPkjx0

For educational purposes only. Not investment advice. Davies Wealth Management.

New episode of The 1715 Treasure Coast Financial Wellness Podcast is live!"5 Cashflow Strategies Every HNW Retiree Needs...
10/16/2026

New episode of The 1715 Treasure Coast Financial Wellness Podcast is live!

"5 Cashflow Strategies Every HNW Retiree Needs to Know"

What if the 4% rule is quietly failing high-net-worth retirees? For those with $1M to $10M or more in investable assets, mass-market retirement income strategies were never designed to solve your problems. In this episode, we break down five cashflow strategies built specifically for HNW retirees wh...

Listen: https://www.buzzsprout.com/2047761/episodes/19973408

For educational purposes only. Not investment advice. Davies Wealth Management.

10/16/2026

Wondering what you should actually be paying your financial advisor — and whether you're getting a fair deal? Fiduciary advisors typically charge a percentage of assets under management, and that rate should decrease as your portfolio grows, so if you have a larger account and you're still paying top-dollar rates, it's worth asking questions. Learn how to evaluate what you're paying and whether your advisor is truly working in your best interest at tdwealth.net.

⚠️ For educational purposes only. Not financial advice. Davies Wealth Management is an investment adviser registered with the State of Florida. AI-assisted; may contain errors.

Most people don't think about taxes between retirement and age 73.That gap — from the day you stop working to the day Re...
10/15/2026

Most people don't think about taxes between retirement and age 73.

That gap — from the day you stop working to the day Required Minimum Distributions kick in — is often the most valuable tax planning window you'll ever have.

Here's why it matters:

A retiree with $800,000 in a traditional IRA could face $30,000+ in annual RMDs by age 75. Stack that on top of Social Security and a pension, and suddenly you're in a higher bracket — potentially triggering Medicare IRMAA surcharges that add hundreds of dollars per month to your Part B and Part D premiums.

A Roth conversion strategy doesn't try to predict markets. It focuses on what you *can* control: your taxable income, your bracket, and what you leave behind for your family.

The years before RMDs begin are often the best time to act — when your income is lower, your bracket may be lower, and you have flexibility to move money strategically.

If you're between 60 and 72 and haven't reviewed your Roth conversion window, it may be worth a conversation with a fee-based fiduciary advisor.

We put together a plain-language guide on exactly this topic — how Roth conversions and IRMAA surcharges interact, and what the planning window looks like. It's free at tdwealth.net/medicare-irmaa-guide/



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.

Florida has no state income tax — and for retirees managing short-term savings, that's not a small detail.According to t...
10/14/2026

Florida has no state income tax — and for retirees managing short-term savings, that's not a small detail.

According to the Florida Department of Revenue, residents pay zero state income tax on their income. That means the interest you earn from CDs, money markets, or short-term bonds stays in your pocket — not sent to a state treasury.

For families moving to Stuart, Port St. Lucie, or Hobe Sound, this matters more than most people realize. The first 1–3 years after a Florida relocation often involve rebuilding your income structure from scratch. Where do you keep accessible cash? How much market exposure makes sense right now? What happens if an unexpected expense comes up?

These aren't small questions — and they deserve a thoughtful answer that goes beyond "just put it in a savings account."

We put together a guide on the best ways to invest money short-term in retirement. It walks through practical options for keeping your accessible funds working harder without taking on unnecessary risk.

If you've recently moved to Florida or are planning to, this article is a good starting point for that conversation. 👇

https://tdwealth.net/best-ways-to-invest-money-short-term/



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.

New video from Davies Wealth Management!"Short-Term Investments for Retirees: 6 Best Options (2026)"Watch: https://www.y...
10/14/2026

New video from Davies Wealth Management!

"Short-Term Investments for Retirees: 6 Best Options (2026)"

Watch: https://www.youtube.com/watch?v=DLKRrejEG9w

For educational purposes only. Not investment advice. Davies Wealth Management.

New episode of The 1715 Treasure Coast Financial Wellness Podcast is live!"Short-Term Investing for Retirees: 6 Safe Way...
10/14/2026

New episode of The 1715 Treasure Coast Financial Wellness Podcast is live!

"Short-Term Investing for Retirees: 6 Safe Ways to Grow Your Money"

What you do with the $150,000 to $400,000 you need over the next two years could quietly cost you thousands in taxes and Medicare premiums. In this episode, we're talking directly to retirees with seven-figure portfolios who want smarter answers than generic financial advice delivers. We break down ...

Listen: https://www.buzzsprout.com/2047761/episodes/19959293

For educational purposes only. Not investment advice. Davies Wealth Management.

Most families spend decades building wealth.Very few spend an afternoon deciding who actually receives it — or making su...
10/13/2026

Most families spend decades building wealth.

Very few spend an afternoon deciding who actually receives it — or making sure the legal documents reflect that decision.

Here's something we see regularly: a beneficiary designation on an IRA or 401(k) overrides what a will says. Every time. If that designation names an ex-spouse, a deceased parent, or simply hasn't been updated since the account was opened, the courts won't fix it.

Powers of attorney are another one. Drafted once, filed away, and never revisited after a divorce, a move to Florida, or a major health change.

Estate and legacy planning isn't just for the ultra-wealthy. It's for anyone who wants their values and intentions to actually survive them.

If you haven't reviewed your beneficiary designations or estate documents in the last three years, that's where to start.

We just published a retirement reading list, and one of the books we highlighted addresses exactly this — the conversations most families keep putting off.

Worth a look: https://tdwealth.net/books-on-retirement-12-essential-reads/



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results. AI-assisted; may contain errors.

Address

684 Southeast Monterey Road
Stuart, FL
34994

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Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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