Davies Wealth Management

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

07/21/2026

Top Destinations Welcoming Florida Retirees
Let’s connect and talk about the latest insights in the industry!

Have you ever looked at your traditional IRA balance and wondered how much of it actually belongs to you — and how much ...
07/21/2026

Have you ever looked at your traditional IRA balance and wondered how much of it actually belongs to you — and how much belongs to the IRS?

Every dollar in a pre-tax IRA will eventually be taxed. The only question is when, and at what rate.

Here's something worth thinking about.

For many retirees, the years between leaving work and claiming Social Security — or before Required Minimum Distributions kick in at age 73 — can represent an unusually low-income period. Possibly the lowest tax bracket of your entire adult life.

That window may matter more than most people realize.

Some retirees find it worth exploring whether converting a portion of their traditional IRA to a Roth during this period makes sense. The idea is straightforward: pay taxes on that money now, at today's potentially lower rate, rather than later — when RMDs, Social Security, and other income could push you into a higher bracket.

It won't be the right move for everyone. It depends on your full financial picture — your income sources, your timeline, your estate goals. But for the right situation, the math can be worth a conversation.

Here's a simple question to sit with: Do you know what federal tax bracket you're currently in?

Most retirees we talk to aren't sure. And that's okay — it's exactly the kind of thing we help people sort through.

If you're curious whether a Roth conversion strategy could make sense in your situation, we'd be glad to walk through it with you.

👉 Book a complimentary call with our team: https://meetings.hubspot.com/tdavies1/phone-consulation?uuid=333c2495-4e09-40cc-9c98-60d78848a34c



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results.

07/21/2026

Here's a caption for your Pension Maximization Strategy video:

Most retirees choose the joint-and-survivor pension option without realizing there may be a smarter way to protect their spouse — and keep more money in their pocket every month. Pension maximization could mean tens of thousands more for your family, but it only works if the numbers line up correctly. Watch to learn how it works, then visit **tdwealth.net** to see if this strategy makes sense for your retirement plan.

⚠️ For educational purposes only. Not financial advice. Davies Wealth Management is an SEC-registered RIA.

Long-term care costs average $12,000/month or more. That's not a health statistic — it's a balance sheet risk.Most retir...
07/20/2026

Long-term care costs average $12,000/month or more. That's not a health statistic — it's a balance sheet risk.

Most retirement income plans account for taxes, Social Security timing, and market volatility. Far fewer account for what happens when one spouse needs extended care for 2, 3, or 5 years.

At Davies Wealth Management, we look at LTC exposure the same way we look at sequence-of-returns risk — as something that needs a place in your plan *before* it becomes a crisis.

The questions worth asking now:
→ How would a multi-year care event affect your income strategy?
→ Are your assets structured to absorb that cost — or would it force liquidation at the wrong time?
→ Have you reviewed your options since rates and products have changed significantly?

This is the kind of conversation that belongs in a retirement plan, not an emergency.

Want to see how LTC fits into your overall retirement picture? Book a complimentary review: https://meetings.hubspot.com/tdavies1/phone-consulation?uuid=333c2495-4e09-40cc-9c98-60d78848a34c



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results.

07/20/2026

US Pension Gap Shapes Retirement Planning | Markets move. Your plan shouldn’t. Watch how we build resilient income for the years ahead.

New video from Davies Wealth Management!"Estate Tax Trap: Why Wealthy Families Lose Millions After 2026"Watch: https://w...
07/20/2026

New video from Davies Wealth Management!

"Estate Tax Trap: Why Wealthy Families Lose Millions After 2026"

Watch: https://www.youtube.com/watch?v=7bpDYcjO5rw

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

New episode of The 1715 Treasure Coast Financial Wellness Podcast is live!"Estate Tax Deadline: Protect Millions Before ...
07/20/2026

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

"Estate Tax Deadline: Protect Millions Before 2026 Exemption Expires"

The clock is ticking — and for high-net-worth families, waiting could cost millions. In this episode, we break down the looming 2026 estate tax exemption sunset and why it demands immediate attention. Right now, married couples can transfer up to $27.98 million free of federal estate tax. On January...

Listen: https://www.buzzsprout.com/2047761/episodes/19518674

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

07/20/2026

Here's a caption option:

Your will doesn't control who inherits your retirement accounts — your beneficiary designations do, and most people don't realize the tax consequences their kids could face down the road. From the 10-year withdrawal rule to the difference between Roth and traditional IRAs, legacy planning is more nuanced than it looks. Watch this video to learn what to consider, then visit tdwealth.net to start building a plan that protects what you've worked for.

⚠️ For educational purposes only. Not financial advice. Davies Wealth Management is an SEC-registered RIA.

Most people don't overpay taxes in retirement because they took big risks.They overpay because they never looked ahead a...
07/19/2026

Most people don't overpay taxes in retirement because they took big risks.

They overpay because they never looked ahead at their brackets.

Here's something we've seen hold true over decades of retirement planning: taxes in retirement aren't fixed. They're more like a dial — one you can turn, but only *before* the income arrives.

Take Roth conversions. They're often most powerful in the years between when you retire and when Social Security and required minimum distributions begin. That window can be surprisingly short. And once it closes, a lot of your flexibility goes with it.

If you're in your late 50s or early 60s, it's worth asking yourself a quiet question on a Sunday like this one:

*Do I know what my tax picture looks like at 73?*

If the answer is "not really" — that's not a reason to worry. It's just a reason to look.

We put together a free guide specifically on how Roth conversions and Medicare surcharges interact — two things that are easy to overlook until it's too late to do much about them.

👉 tdwealth.net/medicare-irmaa-guide/



⚠️ Educational only. Not investment advice. Davies Wealth Management is a registered investment advisor. Past performance ≠ future results.

07/19/2026

Here's a caption option:

Most people unknowingly leave $100,000+ on the table when it comes to Social Security — and it often comes down to just a few costly mistakes. From claiming too early to ignoring spousal benefits, the decisions you make today can permanently impact your retirement income for decades. Watch to learn the three mistakes we see most often, and visit **tdwealth.net** to make sure your Social Security strategy is working as hard as possible for you.

⚠️ For educational purposes only. Not financial advice. Davies Wealth Management is an SEC-registered RIA.

Address

684 Southeast Monterey Road
Stuart, FL
34994

Opening Hours

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

Website

Alerts

Be the first to know and let us send you an email when Davies Wealth Management posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Davies Wealth Management:

Shortcuts

Share

Category