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Celebrating 529 Day: A Look at Education Savings

May 29th is quickly approaching, so let’s celebrate 529 Day with a look at this unique financial tool and how it could help benefit you or your family. A 529 plan is a tax-advantaged investment account designed to help save for future education expenses. So whether you’re considering how to set a grandchild up for college education or considering a [...]

May 26th, 2026|Blog, Blogs, College Savings, Financial Planning|
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Disability Insurance: Widening Your Family’s Safety Net

  In modern America, the “traditional” household has undergone a significant transformation. Gone are the days when a single breadwinner was the norm; today, the dual-income household is the engine of the American economy. Families now rely on two paychecks to maintain their lifestyle, balance the mortgage, fund a child’s education, or build a retirement nest egg. Yet a sizeable [...]

May 18th, 2026|Blog, Blogs, Disability Insurance, Healthcare, Insurance|
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Recognizing and Preventing Financial Scams on National Senior Fraud Awareness Day

This Friday, May 15th, is National Senior Fraud Awareness Day. This day is dedicated to shedding light on pervasive crimes that have cost older adults billions of dollars in recent years. In 2024, scams reported to the FTC recorded losses of $2.4 billion, up from $1.9 billion in 2023. While wisdom has come with age, we must also recognize that [...]

May 11th, 2026|Blog, Blogs, Fraud Protection|
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Champion Your Health: Empowering Older Americans

Every May, the Administration for Community Living (ACL) celebrates Older Americans Month (OAM) to recognize older Americans’ contributions, examine aging trends, and demonstrate the commitment to serving older adults. In step with that cause, we’re taking this time to honor older Americans by demonstrating our commitment to helping our clients fulfill their vision of retirement. In 2026, the ACL’s theme [...]

May 4th, 2026|Blog, Blogs, Healthcare, Long-Term Care|
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Becoming Your Family’s Historian

Genealogy can be a truly fascinating hobby, and uncovering your family’s history can bring the past to life in a fresh and personal way. If you’re someone who loves history or is just interested in how your own story fits into the larger human narrative, researching your ancestry offers a meaningful way to connect with the generations that came before [...]

April 28th, 2026|Blog, Blogs, History|
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How Home Sales Are Taxed: What Every Homeowner Should Know

Selling a home is a significant financial event, and understanding the tax implications can help homeowners protect their profit and avoid unexpected liabilities. When you sell your residence, the gain you realize may be subject to capital gains tax, but in many cases, favorable tax rules can help reduce that tax burden. Let’s take a look at how the tax [...]

February 17th, 2026|Blog, Blogs, Tax Strategies, Taxes, Taxes & Tax Planning|
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Income Tax vs. Capital Gains Tax: What’s the Difference?

Understanding the difference between income tax and capital gains tax is a key part of smart financial planning. While both are ways the government collects revenue, they apply to very different types of money you receive. Here are the questions you most likely have, and the answers that can help you understand the basics of these two tax categories. Q: [...]

February 11th, 2026|Blog, Blogs, Tax Strategies, Taxes, Taxes & Tax Planning|
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How Do I Know If I Need an Estate Plan?

If you’ve ever thought that estate planning is only for the ultra-rich or that you can wait until later in life, you’re not alone. But estate planning is important to consider at any age and is a fundamental part of a comprehensive financial plan. And it’s not just about what happens to your stuff when you’re gone! How can estate [...]

November 10th, 2025|Blog, Estate Planning|
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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



    ©  Powered by: Simplicity

    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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