Broker Check

         Specialized Wealth and Tax Advisors, Inc.

850-576-1118

Thriving or Surviving?

Moving ahead or Lagging Behind?

 



       WILL I BE OK?

Isn't this the most important question?

 Keeping up with life is sometimes a challenge. School, work, children, in-laws, vacations, and all the other events in our lives can derail the best made intentions. There is always something more urgent than the important task we wanted to finish.

 It is the little nagging feeling that something is not quite right. That something is missing. Some event occurred which brought the financial situation to mind. Looking around for a way to handle the situation reveals that the resources you thought would be there are not. Now, there are additional problems. How did this happen?  Life got in the way of the plans. 

 There is another reason so many people find themselves financially unprepared for the bumps life gives us. Lack of knowledge and what actions to take prevent people from doing anything. Rather than do something wrong many people do nothing. Pushing the critical decisions further into the future.

 Continually pushing decisions into the future is a choice for nearly certain financial ruin. At some point, the neglected financial situation reaches the point of no return where there is no remedy for the situation. 

  Fortunately, in most instances there are measures we can take to get the financial train back on the track. There is usually something we can do to mitigate the situation and begin to build resources.  


       WHAT DO I DO NOW?

 Make a decision not to delay another day. These decisions, actions and results affect more than just you. There is a spouse, children, parents, a business, colleagues, pets and other people who depend on you. 

 Don't worry that maybe the time is too late or even too early. Don't let the lack of current financial resources stop you. Developing financial resources is one of the purposes of a financial plan. If you don't have the knowledge, we will teach you. If you don't know what to do, we are here to help guide the way.

 We will help you answer that important question.

 The decision is up to you. Start. Begin. Take a step. Call. Send an email.
 




Helpful Content

Inflation and Your Portfolio

Inflation and Your Portfolio

Even low inflation rates can pose a threat to investment returns.

When Heirs are Imperfect

When Heirs are Imperfect

The money problems or bad lifestyle habits of adult children could lead to the squandering of any inheritance they receive.

It May Be Time for a Financial Checkup

It May Be Time for a Financial Checkup

It’s never a bad time to speak with your financial advisor about changes in your situation.

 

Planning for the Expected

You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.

Get Paid for Going Green

Those looking into environmentally minded home modifications may get a boost from Uncle Sam’s tax incentives.

Insurance Needs Assessment: When You're Young and Single

Even if you’re young and single, you should still consider protecting yourself.

A Primer on Dividends

A company's profits can be reinvested or paid out to the company’s shareholders as “dividends."

Retirement Income and the Traditional Portfolio

Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets.

Understanding Marginal Income Tax Brackets

An inside look at how marginal income tax brackets work.

View all articles arrow

Can I Refinance My Mortgage?

This calculator can help determine whether it makes sense to refinance your mortgage.

Potential Income from an IRA

Estimate your monthly and annual income from various IRA types.

Self-Employed Retirement Plans

Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.

Lifetime of Earnings

Estimate how much you have the potential to earn during your working years.

How Compound Interest Works

Use this calculator to better see the potential impact of compound interest on an asset.

Impact of Taxes and Inflation

Estimate the potential impact taxes and inflation can have on the purchasing power of an investment.

View all calculators arrow

Your Cash Flow Statement

A presentation about managing money: using it, saving it, and even getting credit.

Tax Management Strategies

Learn more about taxes, tax-favored investing, and tax strategies.

Principles of Preserving Wealth

How federal estate taxes work, plus estate management documents and tactics.

Retirement Plan Distributions

There are a number of ways to withdraw money from a qualified retirement plan.

Managing Your Lifestyle

Using smart management to get more of what you want and free up assets to invest.

5 Smart Investing Strategies

There are some smart strategies that may help you pursue your investment objectives

View all presentations arrow

Global and International Funds

Investors seeking world investments can choose between global and international funds. What's the difference?

The Richest Man in Babylon

In good times and bad, consistently saving a percentage of your income is a sound financial practice.

Can Election Results Predict the Market?

How do the markets usually react to elections? Was the 2016 election any different?

Surprise! You’ve Got Money!

Here’s a quick guide to checking to see if you have unclaimed money.

Keeping Up with the Joneses

Lifestyle inflation can be the enemy of wealth building. What could happen if you invested instead of buying more stuff?

When Special Care Is Needed: The Special Needs Trust

A special needs trust helps care for a special needs child when you’re gone.

View all videos arrow