The Seaside Blog

For many individuals, retirement planning is more than just growing a nest egg, it’s about protecting, preserving, and transferring wealth in the most tax-efficient way possible. At Seaside Wealth Management, we believe that tax strategy is not an afterthought, but a cornerstone of your overall financial plan. Our integrated approach ensures that tax considerations are woven into every investment decision, allowing your portfolio to work harder while keeping more of your returns in your pocket. By blending tax efficiency with comprehensive wealth management, we help you create a retirement plan that supports your lifestyle now and safeguards your legacy for generations.

If you’ve opened your Medicare bill and noticed a sudden spike in your premium, you’re not alone. Many retirees are facing something called IRMAA, short for Income-Related Monthly Adjustment Amount. While the name sounds complex, the takeaway is straightforward: higher income results in higher Medicare premiums. The good news is that there are ways to manage it.

Planning for retirement today is not what it was for previous generations. Pensions are less common, Social Security may not cover the full cost of living, and healthcare expenses continue to climb. Add to these factors the uncertainty of market volatility and changing tax laws, and it’s no wonder many people feel overwhelmed. A retirement financial advisor can help you navigate these challenges. Instead of guessing or piecing together conflicting advice, you’ll have an expert who understands both the big picture and the small details that make your plan work.

When a thousand-page piece of legislation becomes law, it’s easy to get overwhelmed. But for those planning retirement or already in it, this “one big beautiful bill” could offer major planning opportunities. At Seaside Wealth Management, we’ve been digging into the details and want to share the biggest takeaways for our clients.

In July 2025, a new executive order brought private equity front and center in the world of retirement planning. For the first time, retirement plans like 401(k)s may allow investors access to private equity; investments in companies that aren’t traded on public stock exchanges. The news has generated a lot of buzz, and a lot of confusion. At Seaside Wealth Management, we believe in staying on the front lines of investment trends while staying rooted in the principles that protect your financial future. So, what does this mean for you and your retirement strategy?

We love the Roth IRA—and most of our clients do too. What’s not to love about tax-free growth and tax-free withdrawals in retirement? But there’s one important detail that trips people up far too often: the 5-year rule. If misunderstood, the 5-year rule can lead to unexpected taxes and penalties, even when you thought your Roth withdrawal would be tax-free. Let’s break it down simply—because when you understand how the 5-year rule works, you can use it to your advantage and protect more of your hard-earned savings.