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How Estate Planning May Help Reduce Future Tax Burdens for Loved Ones

There’s a well-known saying: “Nothing is certain except death and taxes.” But what’s often left out is how closely those two concepts can intersect—especially when it comes to your legacy. Many people spend a lifetime building wealth to leave something meaningful behind. But without a thoughtful plan, more of that wealth could go toward taxes, legal fees, and probate costs [...]

August 18th, 2025|Blog, Estate Planning, Taxes & Tax Planning|
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“I Think I Have Enough Saved—Why Am I Still Worried?”

You’ve worked hard and saved diligently, and now you're in retirement or on the doorstep of it. You’ve run the numbers. You might even have a sizable nest egg. So why do you still feel uneasy? That lingering anxiety is more common than you think, even among those who appear to be financially prepared for retirement. And it often comes [...]

August 11th, 2025|Blog, Retirement Income, Retirement Planning|
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“What Can I Do with $100K in Retirement?”

Understanding the Shift from Accumulation to Income As a financial advisor, one of the most common questions I hear, especially from clients entering retirement, is: “What should I actually do with these savings I’ve amassed for retirement?” It’s a great question. And it usually signals something deeper: the start of the distribution phase of retirement. You’ve spent years in the [...]

August 4th, 2025|Blog, Financial Planning, Investing, Retirement Income, Retirement Planning|
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How the OBBB Could Affect Your Healthcare Situation

When it comes to retirement planning, long-term care is one of the most overlooked and expensive needs. And for many retirees, Medicaid has historically been a financial safety net that helps cover those costs. The One Big Beautiful Bill (OBBB) is bringing changes that could significantly change how that safety net works, who it’s for, and how it’s funded. Here's [...]

July 21st, 2025|Blog, Government, Healthcare|
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What Retirees Need to Know About the New “One Big Beautiful Bill” Tax Proposal

President Trump’s newly proposed “One Big Beautiful Bill” (OBBB) is making headlines, and retirees might want to pay close attention. Aimed at expanding the 2017 Tax Cuts and Jobs Act (TCJA), this sweeping legislation includes a mix of tax breaks and potential pitfalls that could impact seniors for years to come. Potential Benefits of the “One Big Beautiful Bill” Proposal [...]

July 7th, 2025|Blog, Financial Planning, Government|
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Post-Tax Season Tips for Pre-Retirees

Tax season is behind us, but for pre-retirees—those within 10-15 years of retirement—this is the perfect time to reassess financial strategies. The decisions you make now can significantly impact your retirement lifestyle, taxes, and financial security. Here are five key post-tax season moves to keep you on track. Tax-Advantaged Retirement Contributions If you’re still working, post-tax season is a great [...]

June 23rd, 2025|Blog, Tax Strategies, Taxes & Tax Planning|
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4 Key Birthday Milestones in Retirement—and What They Mean for Your Financial Strategy

Birthdays in retirement aren’t just a reason to celebrate—they’re also checkpoints that can unlock new financial opportunities (or trigger important deadlines). From Social Security eligibility to Required Minimum Distributions (RMDs), several key ages mark turning points in your retirement journey. Here are four birthday milestones every retiree should know—and what they mean for your financial strategy. Age 59½ – Penalty-Free [...]

June 9th, 2025|Blog, Financial Planning, Retirement Income, Retirement Planning|
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How to Tell if You’re Taking on Too Much Risk (Or Too Little!)

Imagine this: You check your retirement account and see a drop in value. Your stomach tightens. Thoughts race through your mind: Should I sell now before it gets worse? Is my retirement in danger? If you’ve ever felt this way, you may be carrying more risk in your financial plan than you’re comfortable with. On the other hand, some retirees [...]

May 27th, 2025|Blog, Investing|
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Schedule Your Complimentary Retirement Review

At Gilbert Wealth Group, our approach goes beyond investment management.
We focus on helping you strengthen your retirement strategy.

OUR E-NEWSLETTER



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    OUR LOCATION

    1499 Gulf to Bay Blvd
    Clearwater, Florida 33755

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    Six fundamental financial planning considerations include but are not limited to Longevity, Liquidity, Inflation, Market, Mortality, and Taxes.

    Investment advisory and financial planning services are offered through Simplicity Wealth, LLC, an SEC-registered investment adviser. SEC registration does not constitute an endorsement of the firm, nor does it indicate that the adviser has attained a particular level of skill or ability. Insurance, Consulting and Education services offered through Gilbert Wealth Group. Gilbert Wealth Group is a separate and unaffiliated entity from Simplicity Wealth.

    Value at Risk Analysis

    Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

    Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

    This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

    Value at Risk Analysis

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    Our Services

    Seek to grow assets in accordance with your risk tolerance and financial goals.

    Seek to enhance your or your loved one’s potential retirement income through strategies designed for tax efficiency and capital utilization.

    Ease the financial and emotional toll of long-term care with early planning so you can retire with peace of mind and dignity.

    Explore tax planning strategies today for potential tax efficiency and financial flexibility later in retirement.

    Help supplement your retirement income plan by exploring accumulation and potential tax-free distribution strategies.

    Learn about the potential benefits you may be eligible and explore strategies designed to seek an increase in your Social Security income.

    Work with us to design a strategy that seeks to provide potential income and strives for financial independence throughout your retirement years.

    Make the investment in your child or grandchild’s future with the gift of a college education through life insurance.

    Implement strategies designed to help lessen the overall risk to your assets from the effects of inflation.

    Plan for potential access to your assets to help address life’s unexpected needs.

    Schedule Your Time With Us







      Our Approach

      Money is personal.
      We believe investors deserve a partner that will provide them with a bespoke investment experience tailored to their needs and objectives.

      01

      Start Smart

      02

      Apply Discipline

      03

      Communicate Progress

      01

      Start Smart

      Starting smart begins by getting a clear understanding of an investor’s current financial situation and how they would like it to progress to help meet their future lifestyle goals and objectives.

      During this process we get to know our prospective clients by gathering information pertaining to their personal values, financial goals, and existing financial accounts. We also evaluate their attitudes toward six universal financial planning considerations and conduct a Value at Risk (VaR) Analysis.

      Financial Planning Considerations

      The six universal financial planning considerations are potential barriers investors may face when working toward their goals. We believe that it’s important to evaluate investor sentiment towards each consideration through a succinct questionnaire. This allows us to examine the potential effects of these considerations on an investor’s assets today and in the future.

      Longevity

      Outliving financial assets as the result of a longer life.

      Liquidity

      Limited access to assets to meet life’s unexpected financial needs.

      Inflation

      Reduction in real purchasing power as the result of increasing cost of living.

      Market

      Unexpected reduction in the value of financial assets at the time of withdrawal.

      Mortality

      Loss of financial assets as the result of a partner’s or spouse’s death.

      Taxes

      Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.

      Value at Risk Analysis

      Risk tolerance is an investor’s ability to remain invested during downward market cycles in exchange for a potential return.

      Within the initial review, we help you understand your risk threshold. We do this by deploying a Value at Risk (VaR) Analysis that helps us quantify attitudes toward financial uncertainty, specifically one’s emotional tolerance with respect to the magnitude and speed of potential investment loss.

      This analysis produces a VaR Score that is indexed on a scale from conservative to aggressive. The VaR Score can help us determine if the current portfolio aligns with your risk tolerance and provides insight as to whether changes to that portfolio are needed.

      Value at Risk Analysis

      02

      Apply Discipline

      Research and Due Diligence

      Simplicity Wealth’s rigorous research process provides a comprehensive suite of reliable investment capabilities and model portfolios. We vet, select, and continuously monitor over 150 asset managers and 1,000 strategies, evaluating them for risk management, diversification, and performance consistency. This disciplined, fiduciary-driven approach is paired with our proprietary risk scoring model, which grounds our clients’ investment expectations in their personal comfort level with market volatility.

      Our Investment Planning Process

      Our investment planning process helps our clients set clear and achievable financial goals. It allows them to define their short-term and long-term objectives and provides direction in making prudent investment decisions based on universal financial planning considerations, risk tolerance, and time horizons. We strive to provide a planning process that is dynamic and flexible, allowing our clients to adapt their investment strategy as circumstances evolve.

      1. Discover:

      Gather key information pertaining to goals, objectives, financial planning considerations, and risk tolerance.

      2. Analyze

      Perform a comprehensive financial analysis of the information provided.

      3. Plan

      Create a custom strategy that aligns with the client’s provided goals and risk tolerance.

      4. Implement

      Execute the agreed-upon plan.

      5. Monitor

      Proactively manage the plan, evaluate its progress, and adjust it to meet shifting objectives and changing market dynamics.

      Institutional Solutions

      Direct Indexing and Tax-Loss Harvesting

      Gaining greater control of an index with added tax benefits so that clients may keep more of what they earn.

      Through Simplicity Wealth’s automated direct indexing and tax-loss harvesting capabilities, investors will have greater control and flexibility within their replicated index portfolios and will also benefit from offsetting capital gains tax through the strategic selling of securities at a loss.

      Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting form a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services

      Sophisticated transfer strategies for helping clients reduce or even eliminate tax-burdened legacy positions.

      Simplicity Wealth’s tax-optimized transition solution works to help investors alleviate tax liabilities of transferring existing non-qualified funds over to their businesses through a transfer-in-kind, multi-year strategy.

      Tax-loss harvesting involves selling an investment at a loss in order to offset the taxes resulting from a capital gain. It is not considered tax advice and you are encouraged to consult with your personal tax advisor for such services.

      Investment strategies for helping align clients’’ money with their values.

      Simplicity Wealth’s Environmental, Social and Corporate Governance (ESG) and Socially Responsible Investing (SRI) overlay screens offer a comprehensive suite of resources that combine investment intelligence with social awareness – all integrated within the investment platform, helping investors align money with their values.

      Stock screener provided by Sustainalytics, a Morningstar subsidiary.

      03

      Communicate Progress

      Our Commitment to You

      We strive to provide clarity regarding your income strategy through regular reporting, proactive outreach, and consistent availability of our team throughout our professional relationship.

      We A.C.T. to communicate progress on your portfolio.

      A

      Accessible

      Accessible

      We understand the importance of being available to you when questions or concerns arise. We will return your phone call or email within 1-2 business days and if the issue is still not resolved, we will schedule a meeting with you at the earliest time possible.

      C

      Consistent

      Consistent

      Together we will determine your communication preferences and frequency so that we can be sure to communicate progress on your investments, schedule reviews, as well as provide you with critical market updates throughout the year.

      T

      Transparent

      Transparent

      You will have a secure login to your client portal that will allow you to view your entire financial landscape in one location on any online device. Through this portal you will be able to view your accounts and access financial tools, performance reports, balance sheets, key documents and more.

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