WELLth Financial Planning

06/01/2026

We just launched a free tool to help entrepreneurs and early retirees on Obamacare maximize their health insurance subsides to minimize their premiums, copays, and deductibles. Health insurance optimization is just one of the many ways we help our clients maximize their wealth. Want to chat? We would love to hear from you. Call us today at (561) 972-8011

05/13/2026

Publix employees: do you know your best move at retirement?
From ESOP + SMART plan rules to the powerful NUA tax strategy, this guide breaks down how to maximize your Publix stock and minimize taxes. Don’t leave money on the table.

From ESOP + SMART plan rules to the powerful NUA tax strategy, this guide breaks down how to maximize your Publix stock and minimize taxes. Don’t leave money on the table.

04/29/2026

Below is a video of my webinar last year with XYPN on how to build a defendable, evidence-based tactical asset allocation process within the framework of a long-term oriented financial planning practice. This webinar was for other financial planners trying to improve their own investment processes, but I thought clients and other folks would be interested in seeing me get into the weeds with research, data, and systems.

I emphasis this many times during the webinar, but tactical asset allocation should be "icing on the cake" of a long-term oriented investment portfolio. I always joke that investing is usually boring, but there are times when making small tweaks to a portfolio can potentially help improve returns or lower risk.

Video below. Enjoy!

Below is a video of my webinar last year with XYPN on how to build a defendable, evidence-based tactical asset allocation process within the framework of a long-term oriented financial planning practice. This webinar was for other financial planners trying to improve their own investment processes,....

04/01/2026

Our latest market commentary was featured in Advisor Perspectives! Click below to see our analysis and insights on changing tariff rates in light of the February Supreme Court ruling and the potential economic/market scenarios with the ongoing Iran conflict.

The weight of evidence suggests that the current equity market decline should be viewed as a short-term pullback within an ongoing, longer-term bull market. However, we are watching indicators closely for changes in global economic/market health. Below are five charts we will be paying special atten...

03/10/2026

Much like the “tariff tantrum” of 2025, we find ourselves once again in an event-driven market in which global assets are swinging and swooning with each headline. We won’t pretend to know what will happen over the near term, but we are keenly aware of the risks of a drawn-out conflict. Specifically, an extended engagement in the Gulf that results in disabled energy infrastructure would most likely cause energy prices to rise and stay elevated, triggering a wave of global inflation. Economies can usually handle some inflation, especially over short time horizons, but prolonged higher prices can cause economic stress and potentially even recession.

Rising tensions between Iran and the West have been simmering for months, with periodic attacks and harsh rhetoric in 2025 signaling a dangerous drift toward escalation. That slow burn ignited on February 28th with the joint U.S.–Israel strike that killed Iran’s Supreme Leader, sending markets i...

01/29/2026

2025 marked another strong year for economic growth and stocks, with the S&P 500 climbing 16.39% while international stock indexes rose over 30%.

Coming into the new year, we are monitoring whether current hype surrounding AI-related companies is creating a bubble as well as whether late 2025 labor market weakness is the start of a persistent trend, or just a temporary phenomenon.

Our analysis and forecasts continue below:

In 2025, U.S. large-cap stocks rose 16.4% with the S&P 500, led by strong communications sector gains of 32.4%. International equities also advanced notably, while bonds returned 7.4% and precious metals like gold and silver surged 63% and 141%, respectively. The Federal Reserve resumed rate cuts in...

10/16/2025

Monetary and fiscal policy are now decisively stimulative to the economy thanks to interest rate cuts and the passage of the One Big Beautiful Bill Act. This should provide a tailwind to the economy and investments. This tailwind is certainly welcome, as general policy uncertainty surrounding tariffs has hurt business confidence and lowered hiring plans, especially for manufacturers.

Monetary and fiscal policy are now decisively stimulative to the economy thanks to interest rate cuts and the passage of the One Big Beautiful Bill Act. This should provide a tailwind to investments.

08/19/2025

Out latest blog post drills down on the topic of having too much employer stock, especially as an employee of one of the big tech, "Magnificent 7" firms. In this post, we discuss strategies to diversify stock grants (RSUs) and options as well as pitfalls of current popular solutions

*This post pertains specifically to "Magnificent 7" employees, and especially employees of Meta, MSFT, and NVIDIA. The concepts within, however, can apply to any employee who receives large amounts of equity compensation* Since the early days of the tech boom, it has been commonplace for employees t...

07/29/2025

We were recently featured in an Investopedia article discussing the unique challenges for Millennials in this economy versus other generations. For many, the lack of affordable housing removes an important bedrock of financial security for many. Regardless of the economic environment, taking small positive steps, especially when you're younger, have large impacts on overall financial security.

Millennials aren’t just worried about retirement—they’re worried about the whole economy. Here’s why financial anxiety runs deep and what advisors suggest.

06/26/2025

Current economic and market data suggest an optimistic outlook for investments through the second half of 2025. The economy is normalizing, although there is always a risk that trade wars will heat up again.

See more below for our analysis on business confidence in a post-tariff world as well as our thoughts on what a potentially larger Middle East conflict could mean for markets

The second quarter of 2025 kicked off with market turbulence, as the so-called “tariff tantrum” sent the S&P 500 tumbling more than 10% in the first week of April. Although markets rebounded following President Trump’s