Tobias Financial Advisors

Earlier this month, the stock market dropped, which raised fears of a recession, but is it time to panic? Our Portfolio Manager, Chad Nesmith, shared his insights in a recent NBC 6 interview on why "most of it is just noise."

Watch it here: https://tobiasfinancial.com/most-of-it-is-just-noise-chad-nesmith-shares-insights-on-recent-market-plunge/

The IRS has issued new regulations clarifying the 10-year rule for inherited retirement accounts. Beneficiaries must withdraw all funds within 10 years, with some required to take annual RMDs. This affects how you should plan your withdrawals to avoid penalties and optimize benefits.

To learn more, visit: https://tobiasfinancial.com/understanding-the-latest-irs-regulations-on-inherited-retirement-accounts/

Our Client Service Specialist, Thalia Durand, shares what she enjoys about working at Tobias Financial Advisors. "Here, clients are not numbers on a spreadsheet; they are individuals with unique aspirations, challenges, and stories," she says.

Proud moment for Tobias Financial Advisors! We’re one of the top 300 independent RIA firms on Worth Magazine's 2024 Leading Advisors list and one of only seven in Florida!
Cheers to our amazing team and clients!

Learn more here: https://tobiasfinancial.com/tobias-financial-advisors-makes-worth-magazines-2024-leading-advisors-list/

Did you know beneficiaries now have specific guidelines to follow when it comes to inherited retirement accounts? The new IRS rules require annual RMDs if the original owner was taking them before passing. Stay informed to avoid penalties and make the most of your inheritance.

To learn more, visit: https://tobiasfinancial.com/understanding-the-latest-irs-regulations-on-inherited-retirement-accounts/

Replay our recent Quarterly Market Update Webinar at your convenience!

Hear from our Portfolio Manager Chad NeSmith, Chief Investment Officer Matthew Saneholtz, and CEO Marianela Collado, as they discuss current market topics and offer insights on what to possibly expect for the remainder of the year: https://bit.ly/3LocTRA

Tobias Financial Advisors has been recognized by Worth Magazine as one of the Leading Advisory firms of 2024!
Being one of only seven firms in Florida on this list is a great milestone.

Learn more here: https://tobiasfinancial.com/tobias-financial-advisors-makes-worth-magazines-2024-leading-advisors-list/

Did you know? Even a few months without regular income can significantly lower your tax bracket for 2024. This temporary drop can create opportunities for Roth IRA conversions, allowing for tax-free growth, and leveraging the 0% capital gains bracket to reset an asset’s purchase price.

Our Client Service Specialist, Thalia Durand, shares that she loves working at Tobias Financial Advisors because of the shared goals and values among the team. "Our team is united not only in our professional objectives but also in the enjoyment we have from collaborating together."

Did you miss our Quarterly Market Update Webinar? The webinar recording is available for you to watch at your convenience.

Tune in to hear our Portfolio Manager Chad NeSmith, Chief Investment Officer Matthew Saneholtz, and CEO Marianela Collado discuss the market events of the 2nd quarter of 2024 and their insights for navigating the year: https://bit.ly/3LocTRA

"Financial decisions can be incredibly vulnerable and impactful, affecting not only our clients' present but also their future and that of their families for generations to come," says Thalia Durand.

In her role as Client Service Specialist, Thalia strives to leverage her understanding of human behavior and societal influences to provide top-notch holistic client service.

We are excited that our CEO Marianela Collado will be moderating a panel discussion on July 24th at 3:00 p.m. ET, and share her insights on how advisory firms can align value add-ons with perceived value.

Registration link in comment.

Did you miss our Quarterly Market Update Webinar? Don’t worry!

You can catch the replay and the insightful discussion led by our Portfolio Manager Chad NeSmith, Chief Investment Officer Matthew Saneholtz, and CEO Marianela Collado here: https://bit.ly/3LocTRA

Meet Thalia Durand, our Client Service Specialist!

Born in Peru to a French mother and Spanish father, Thalia attended a British boarding school and grew up speaking French, Spanish, and English. Her unique background shapes her empathetic approach to helping clients reach their financial goals.

Learn more about Thalia in our latest blog post.

Lower income for 2024? Consider a Roth IRA conversion. In a recent CNBC article, our Wealth Advisor Catalina Franco-Cicero explains why this could be a great opportunity for tax-free growth and future tax-free distributions, even though you’ll owe taxes on the converted balance.

Exciting news from our office! As part of our internal wellness program, we’re making the switch to reusable utensils and water bottles for the team. This quarter, we’re focusing on reducing plastic and making small changes that can lead to a big impact. Together, we're committed to a greener, healthier future.

Facing job competition? Prolonged unemployment might be a silver lining for tax planning.

Our Wealth Advisor Catalina Franco-Cicero was quoted in a recent CNBC article discussing strategies like Roth IRA conversions for tax-free growth and utilizing the 0% capital gains bracket to rebalance your portfolio.

Today, we celebrate the land of the free and the home of the brave. Happy Fourth of July from all of us at Tobias!
Wishing you a day filled with pride and gratitude. Have a safe and joyful Independence Day. 🇺🇸

We're excited that our CEO Marianela Collado will moderate a discussion today at 3:00 p.m. ET on how advisory firms can add value to their clients with innovative add-on services and products.

Our CEO, Marianela Collado, will be moderating a discussion on how advisory firms can enhance their client experience with add-on services and products. Don't miss this insightful session on June 26th at 3:00 p.m. ET.

As elections approach and political landscapes shift, many investors wonder how to adjust their portfolios. The best approach? Historical data says stay invested regardless of who's in office. The accompanying chart illustrates that maintaining a steady investment strategy yields better returns over time, compared to attempting to time the market based on political changes.

Stay the course. Invest with confidence.


Past results are no guarantee of future results. This information is general and for informational purposes only, and does not constitute individual investment advice.

Roth conversions can be a strategic move for legacy planning.

Our CEO Marianela Collado, featured in a recent CNBC article, highlights that since the elimination of the stretch IRA in 2020, certain heirs must empty inherited IRAs within ten years, potentially resulting in hefty taxes. Converting to a Roth IRA can help avoid this "tax time bomb," offering tax diversification and lower required minimum distributions.

At Tobias Financial Advisors, we believe in the power of diversity to drive innovation and better serve our clients. Join us in celebrating our recent achievement of earning the 2024 Excellence in Diversity, Equity, and Inclusion Award by the National Association of Personal Financial Advisors (NAPFA)!

We're grateful for this recognition of our ongoing efforts to create an environment where everyone feels respected and empowered. Let's continue to push boundaries and build a more inclusive tomorrow!

Learn more here: https://tobiasfinancial.com/tobias-financial-advisors-receives-the-2024-napfa-excellence-award

To all the fathers, stepfathers, grandfathers, and father figures, thank you for the countless sacrifices you make and the endless encouragement you give. Your impact is immeasurable.
May your day be filled with love, joy, and cherished moments with your loved ones. Cheers to you, dads!

Roth IRA conversions have surged by 44% in 2024. While the potential for future tax-free growth is enticing, our CEO Marianela Collado, quoted in a recent CNBC article, emphasizes that it's not always a "slam dunk." Consider the upfront tax bill and ensure you have enough assets outside your retirement accounts to cover it.

Replay the recent Unlock the Future: Embracing Automation & AI webinar at your convenience!

Hear from our CEO Marianela Collado, Kristen Goss, Joyce Hall, and Daleele Alison as they discuss ways to leverage automation and AI for business growth and more: https://bit.ly/3X3y9Dn

Thinking about a Roth conversion?

Our CEO Marianela Collado was recently quoted in a CNBC article emphasizing the importance of evaluating tax implications and your overall financial situation carefully. Strategic conversions can reduce lifetime taxes and aid in legacy planning, but you need sufficient assets to cover the upfront tax bill.

Congratulations to Yesenia Realejo for being named 2024 Mother of the Year by the Healthy Mothers Healthy Babies Coalition of Broward County!

We are immensely proud of Yesenia's accomplishments and the positive impact she continues to make in the lives of those around her.

Way to go, Yesenia!

To learn more, visit: https://tobiasfinancial.com/celebrating-yesenia-realejo-hmhb-2024-mother-of-the-year/

Our very own Franklin Gay has been recognized with the 2024 New Professional Award presented by the National Association of Personal Financial Advisors (NAPFA)!

His dedication to advancing fee-only financial planning, client commitment, and innovative spirit truly shine through. Way to go, Franklin!

Learn more here: https://tobiasfinancial.com/franklin-gay-receives-the-2024-napfa-new-professional-award/

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