Occasional writing on markets, taxes, Florida residency, and the long arc of family wealth. We write only when we have something worth saying.
Convert this year and your Medicare premium rises in two years — with no appeal. How the lookback works, and the arithmetic that decides whether to convert anyway.
The state tax on your exit is decided by where you are a resident when the gain lands. Which order works, which deals a move cannot save, and why the calendar is measured in years.
Your first Medicare premium is priced off your peak working years. The eight events that let you appeal — and the one that fits most retirees.
How systematic tax-loss harvesting and asset location work in a taxable portfolio.
A century of evidence on what missing the best ten days does to long-term compounding — and why your behavior matters more than your forecast.
What to look for, what to avoid, and the Florida-specific considerations that most national guides overlook entirely.
The transfer process step by step — ACATS, tax implications, in-kind vs. liquidation, and why the emotional barriers are usually worse than the logistics.
Florida's tax structure does not just save income tax. Over a thirty-year horizon, it changes the trajectory of family wealth. Here is the math.
When one position becomes the portfolio. Exchange funds, charitable trusts, 10b5-1 plans, and the disciplined math of diversification.
Delivered occasionally — never on a schedule, never to fill space. Enter your email to receive future essays directly.
Important Disclosures. Wolfson Private Wealth, LLC ("WPW") is an investment adviser registered with the Florida Office of Financial Regulation. Registration does not imply a certain level of skill or training. All investment strategies have the potential for profit or loss. Past performance is not indicative of future results. Diversification does not guarantee a profit or protect against loss.
Information presented on this website is for educational and informational purposes only, does not constitute investment, tax, legal, or accounting advice, and should not be construed as a solicitation, offer, or recommendation to buy or sell any security. Any client scenarios described are hypothetical composites for illustrative purposes only and do not represent any specific client, actual performance, or guarantee of results.
WPW does not offer tax or legal advice. Clients should consult qualified tax and legal professionals regarding their individual circumstances. Assets are custodied at Interactive Brokers LLC, a qualified custodian. WPW is not affiliated with Interactive Brokers LLC. The presence of a link to a third-party website does not imply endorsement.
Florida tax and asset protection commentary represents general information as of the publication date and is subject to change by legislative or regulatory action. WPW encourages all readers to obtain situation-specific counsel. Our complete disclosure brochure (Form ADV Part 2A) is available upon request and on the Investment Adviser Public Disclosure (IAPD) website.