Capital Wise Advisory

Capital Wise Advisory Welcome to Capital Wise Advisory where we craft well-designed retirement plans for those nearing or already in retirement.

Our goal is to help you retire confidently and live abundantly.

09/02/2026

Most high earners are leaving this on the table 👀

The backdoor Roth is well known. But there's a version of this strategy sitting inside many 401(k) plans that most people have never heard of, and the contribution room is more than five times larger.

Once your income exceeds the Roth IRA limit, the standard move is to contribute to a traditional IRA and convert it. It works, but the amount is relatively small.

If your 401(k) plan allows after-tax contributions and in-plan Roth conversions, you may be able to go much further. The after-tax room can run up to $47,500 before any employer match, regardless of whether you're 55 or 65.

There's also a key advantage over the traditional backdoor Roth: the pro-rata rule that complicates conversions when you have existing IRA balances generally doesn't apply here.

One more thing worth knowing if you're 50 or older and earned above $150,000 last year: a newer rule now requires your catch-up contributions to go in as Roth.

Not every plan allows this, and the details depend on your specific situation. But if yours does, the difference in long-term, after-tax growth potential is worth exploring.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/31/2026

Same growth. Half the tax bill? Here's how. 👀

If you're holding company stock inside your 401(k) and planning to retire soon, the way you distribute that stock could make a significant difference in your lifetime tax bill.

Most people roll everything into a traditional IRA without realizing there's another option specifically for company stock. It's an IRS rule called Net Unrealized Appreciation, or NUA, and it allows the growth on your stock to be taxed at long-term capital gains rates instead of ordinary income rates.

In the right scenario, that distinction can mean tens of thousands of dollars in tax savings.

But NUA comes with strict requirements. You need a qualifying event, the entire 401(k) must come out in a single tax year, and the stock must be distributed in kind. Miss any one of these, and the benefit disappears entirely.

There's also a Medicare premium impact to consider, and the timing of that is something a lot of people don't plan for.

If you have company stock in your 401(k), it's worth understanding whether this applies to your situation before you make any moves.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/28/2026

Two accounts, same tax return. One mistake costs thousands 👀

Most couples in retirement just pull from whichever account is biggest. It feels logical. It's often a very expensive habit.

Where you draw from first is actually one of the most consequential decisions in your retirement plan, and it's one of the most overlooked.

A few things that quietly change the math:

The age gap between spouses. If one of you is several years older, drawing from that person's accounts first can sidestep early withdrawal penalties and let the younger spouse's savings grow longer.

The window before Social Security starts. That period is often your best opportunity to manage taxable income, whether that's for Roth conversions, healthcare subsidies, or staying under Medicare surcharge thresholds.

Your state's rules on retirement income. Some states offer meaningful exclusions per person, not per household. That distinction can be worth thousands annually, and most people never think to check it.

Two accounts, treated as one coordinated plan, can make a significant difference in what you actually keep.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/26/2026

"10 years of flexibility" — that's not quite right. 👀

A lot of people who inherited an IRA assumed the 10-year rule meant they could wait and take the money whenever they wanted.

The IRS finalized a rule in 2024 that says otherwise for many beneficiaries.

If the original account owner had already reached their required withdrawal age, you likely owe annual distributions in years one through nine, not just a lump sum at the end. The entire account still has to be empty by the end of year ten.

Miss an annual withdrawal? The penalty can run thousands of dollars, even though the IRS did waive penalties from 2021 through 2024 while the rule was still being finalized. That waiver protected people from penalties. It never stopped the clock.

If the person you inherited from hadn't yet reached their required age, the timeline is more flexible. No required annual distributions. Just that hard year-ten deadline. But taking it all at once in year ten often creates a much bigger tax bill than taking distributions over the full decade.

Spouses have their own separate set of rules, and so do certain other beneficiaries.

The window is ten years. What you do inside it matters a great deal.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/24/2026

This Medicare mistake is permanent. 🚨 And most people don't know they've made it until it's already too late.

A lot of people heading into retirement assume that having coverage through their job protects them automatically. Sometimes it does. But that same assumption has left others paying a higher Medicare premium every single month for the rest of their lives.

This penalty has nothing to do with your income. It's entirely about timing.

Miss your enrollment window for Part B without the right qualifying coverage, and your premium goes up 10% for every 12 months you were late, permanently. And Part D carries its own separate penalty on its own separate clock.

What catches most people off guard: not all insurance qualifies as "creditable coverage." COBRA doesn't count. Retiree health coverage doesn't count. A plan through a small employer may not count either.

If you're in your late 50s or 60s, or still working past 65, understanding these rules before your window closes could save you thousands over retirement.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/21/2026

$3 million saved. But are you actually ready? 🤔

Having a large balance and having a retirement plan are two very different things.

At this level, the complexity doesn't shrink. It compounds.

You may be holding a mix of accounts that were never built to work together. Old 401(k)s, rental property, company stock, taxable accounts. Each one has its own tax treatment, and coordination matters more than total.

There is also the question of your actual spending number. Not a gut feeling. A real figure, stress-tested against what you have. The people who feel in control are not always the ones with the most. They are the ones who know their number.

Then there is the tax side of required distributions. On a large pre-tax balance, the IRS will eventually force withdrawals whether you are ready or not. For many people, that number is bigger than expected, and it is fully taxable.

And finally, what happens to the assets you do not spend? Estate structure and giving strategy work far better when addressed years in advance.

The most common mistake at this stage? Assuming the balance is the blueprint.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

08/10/2026

Your giving could be doing double duty on taxes 👀

If you donate regularly to a church, alma mater, or favorite cause but aren't itemizing your deductions, you're probably not getting much of a tax benefit for it.

There's a strategy that combines charitable giving with Roth conversions in the same year, and most people near retirement have never heard of it.

The approach involves restructuring when and how you give, rather than changing how much. Done right, it can generate a deduction large enough to offset a significant Roth conversion in the same tax year, moving more money into tax-free growth.

And if you're holding appreciated investments that have grown significantly over the years, there may be a way to fold those into the strategy as well.

This isn't a one-size-fits-all move. The limits differ depending on what you contribute, which is why CPA and advisor coordination is essential.

But if you're already generous, this might just be your same giving, working a lot harder for you.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

07/29/2026

Widowed at 59 with $900k...and no one to ask. 💙

Most people in this situation don't realize how many financial decisions are suddenly on their plate, or how costly it can be to rush through them.

One of the most misunderstood? Social Security survivor benefits. Claiming at the wrong time can permanently reduce your monthly check by hundreds of dollars, every month, for the rest of your life.

And that's just one piece of the puzzle.

There's also the question of taking a full inventory of what's actually there, building a new income picture for your life as it is today, and knowing which major decisions genuinely need to be made now versus which ones can wait.

Because here's the thing: most of the big, permanent decisions...the house, the move, the job...don't have to happen in year one, even when it feels like they do.

This video walks through the four-step framework I use with clients navigating this exact situation, step by step, at their own pace.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

07/27/2026

3 years retired. When did you last check? 👀

Most people put enormous effort into building a retirement plan before they leave work, then treat it like a finished document.

But the plan you built at 60 and the retirement you're actually living by 63 can look very different, and not always in the way you'd expect.

Spending tends to drift upward. Market returns in your early years either gave you more cushion than you planned for, or less. And the tax picture changes completely once the paychecks stop.

There's a window before Required Minimum Distributions kick in where the tax opportunity is real. But it doesn't last forever, and most retirees aren't taking advantage of it.

This video covers the four areas every retiree should review a few years in, because a plan that isn't revisited isn't really a plan anymore.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

07/24/2026

Most retirement plans skip this $130,000 risk 👀

Seven out of ten people over age 65 will need some form of long-term care. But most retirement portfolios are built as if that number is zero.

Here's what makes this so dangerous: Medicare doesn't cover ongoing custodial care. It only pays for short-term rehab after a hospital stay. Once that window closes, you're on your own.

A private nursing home room now costs close to $130,000 per year. Assisted living runs around $75,000. And the average care need stretches about three years, not a few months like most people assume.

For a couple with a $1.5 million portfolio, three years of nursing home care can quietly drain a massive portion of the assets that were supposed to last both of them for decades.

The plans that hold up over time aren't the ones that ignore a risk this size. They're the ones that priced it in early enough to still have real options.

Capital Wise Advisory is a Registered Investment Advisor located in Wesley Chapel, FL. This video is for educational purposes only and should not be construed as specific investment, financial, or tax advice. Past performance does not guarantee future results.

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28210 Paseo Drive, Suite 190, Office 314
Wesley Chapel, FL
33543

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