1715 Treasure Coast Financial Wellness with Thomas Davies

Hosted by Davies Wealth Management

Business Investing Entrepreneurship Education

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Episodes

238

Latest episode

Sep 2026

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About the show

Welcome to 1715 Treasure Coast Financial Wellness , a dynamic and insightful podcast designed to guide you through the intricate landscape of wealth management and financial growth. We believe that understanding and managing your finances should be an empowering journey, and our show is here to provide you with the knowledge and strategies to achieve just that. Join us for engaging conversations with seasoned wealth advisors, financial planners, investment experts, and successful entrepreneurs. Our guests share their expertise, tips, and success stories to inspire and educate you on how to build and manage your wealth effectively. Each episode offers a deep dive into various financial topics, such as investment portfolios, retirement planning, tax optimization, estate planning, risk management, and more. We strive to equip you with the tools and understanding needed to make informed decisions and elevate your financial life. Key Highlights: Expert Interviews: Gain valuable insights and advice from a diverse range of financial experts, each bringing a unique perspective and expertise to help you achieve your financial goals. 2. Practical Strategies: Learn actionable strategies and proven methods to enhance your financial well-being, increase your wealth, and secure your financial future. 3. Success Chronicles: Listen to inspiring success stories of individuals who have overcome financial challenges and achieved remarkable milestones, providing valuable lessons and motivation for your own journey. 4. Economic Insights: Stay informed about the latest economic trends, market updates, and financial news to stay ahead in an ever-evolving financial landscape. 5. Interactive Q&A: Engage with us through our Q&A sessions, where we address your specific financial questions and provide expert advice tailored to your needs. Embark on a transformative journey towards financial success and tune in to 1715 Treasure Coast Financial Wellness on your favorite podcast platform. Subscribe today, and let's elevate your wealth together! Note: The podcast is for informational purposes only and should not be considered as financial advice. Please consult with a qualified financial advisor before making any financial decisions.

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October 2, 202617 min

529 to Roth IRA Rollover Rules Every Stuart Family Must Know

Send us Fan Mail Did you know unused 529 funds can now roll directly into a Roth IRA — tax-free? Thanks to SECURE 2.0, Stuart families who over-saved for college, received scholarships, or simply planned ahead now have a powerful new option in their financial planning toolkit. Starting in 2024, the IRS allows unused 529 balances to be rolled into a Roth IRA for the account beneficiary, subject to specific rules around account age, contribution limits, and lifetime caps. In this episode, we break down exactly how this works, who qualifies, and what mistakes to avoid. This is the kind of retirement and tax strategy that fiduciary, fee-based advisors in Florida are helping families navigate right now — and the details matter more than you might expect. If your family has a 529 account, this episode is essential listening. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/529-to-roth-ira-rollover-rules-every-stuart-family-must-know/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

October 2, 202622 min

Alternative Investments 2026: Top Platforms for Wealthy Investors

Send us Fan Mail Are you still relying on a traditional 60/40 portfolio to grow serious wealth in 2026? High-net-worth investors with $1M or more in investable assets are rapidly shifting toward alternative investments — and the platforms they choose matter enormously. In this episode, we break down the top platforms wealthy investors are using to access private equity, real estate, and other alternatives that were once reserved for institutional money. We explore what separates a truly fee-based, fiduciary-driven approach to alternatives from the noise, and why smart wealth management means going beyond conventional asset allocation. Whether you're focused on retirement planning, tax efficiency, or building a more resilient portfolio, this conversation gives you a practical framework for evaluating your options. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/alternative-investments-2026-top-platforms-for-wealthy-investors/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 29, 202623 min

Fixed Annuities: 7 Facts Before You Lock In Your Money

Send us Fan Mail Are fixed annuities actually worth your attention — or just a product salespeople push to earn a commission? In this episode, we break down 7 essential facts every serious investor should know before locking money into a fixed annuity. After years of near-zero interest rates, crediting rates on multi-year guaranteed annuities have climbed significantly, and high-net-worth investors are taking notice. But there's a lot to understand before you commit. We cover how these products fit into a broader retirement income strategy, the tax treatment you need to know, and what a fee-based, fiduciary perspective reveals about when they make sense — and when they don't. Whether you're focused on wealth management in Florida or anywhere else, this episode gives you the clarity to make informed decisions. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/fixed-annuities-7-facts-before-you-lock-in-your-money/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 25, 202621 min

Net Unrealized Appreciation: The 401(k) Tax Trick You're Missing

Send us Fan Mail Most retirees rolling over a 401(k) assume the IRA rollover is the smartest move — but for executives and long-tenured employees holding company stock, that assumption could cost hundreds of thousands of dollars in unnecessary taxes. In this episode, we break down Net Unrealized Appreciation, or NUA, the retirement tax strategy that most financial professionals never mention. NUA allows you to move appreciated company stock out of your 401(k) and pay long-term capital gains rates instead of ordinary income tax — a distinction that can dramatically change your retirement financial planning outcome. We walk through how it works, who qualifies, and how fee-based, fiduciary wealth management makes it possible to evaluate whether NUA fits your overall strategy. If you're approaching retirement with significant company stock, this episode is essential listening. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/net-unrealized-appreciation-the-401k-tax-trick-youre-missing/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 22, 202623 min

Asset Location Tax Strategies Most Wealthy Investors Overlook

Send us Fan Mail Are you leaving tens of thousands of dollars on the table every single year? Most affluent investors obsess over *what* they own — but sophisticated wealth management starts with *where* you own it. In this episode, we break down asset location: the tax strategy that can dramatically reduce drag on a $2M+ portfolio by strategically placing investments across taxable accounts, traditional IRAs, and Roth IRAs. You'll learn why this overlooked piece of financial planning often matters more than picking the right stocks or funds, how a fiduciary advisor approaches account optimization differently than a commission-based broker, and what steps you can take right now to stop overpaying the IRS. Whether you're approaching retirement or already there, this strategy deserves a serious look. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/asset-location-tax-strategies-most-wealthy-investors-overlook/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 15, 202619 min

Best Retirement Books: 12 Must-Reads Before You Retire

Send us Fan Mail Most people spend more time planning a vacation than planning their retirement — and it costs them dearly. In this episode, we break down 12 must-read retirement books that give pre-retirees a genuine edge when it comes to financial planning, tax strategy, and long-term wealth management. Whether you are five years out or just beginning to think seriously about life after work, understanding concepts like sequence-of-returns risk and tax diversification before you sit down with a fiduciary advisor changes everything. These are not generic bestseller picks. Every title was chosen because it tackles the real challenges facing people who have worked hard and now want to protect what they have built. Walk into your next planning conversation prepared, confident, and asking the right questions. Knowledge is the first step toward a retirement you will not outlive. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/best-retirement-books-12-must-reads-before-you-retire/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 11, 202621 min

Retirement Books Financial Advisors Actually Recommend Reading

Send us Fan Mail What if the retirement book everyone's raving about is only giving you half the picture? In this episode, we break down the retirement planning books that fiduciary advisors actually recommend — the ones circulating in study groups, shared with serious clients, and dog-eared by planners who do this work every day. These aren't airport bestsellers. They're frameworks that genuinely shape how people think about wealth management, tax strategy, and building income that lasts. But here's the honest truth: even the best book cannot account for your pension, your concentrated stock position, or the adult children counting on an inheritance. The gap between a great financial planning concept and your actual life is where real advice happens. We'll tell you which books are worth your time and exactly where each one falls short. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/retirement-books-financial-advisors-actually-recommend-reading/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 8, 202623 min

Florida DROP Program: Is It Worth It and Who Should Join?

Send us Fan Mail Are you a Florida public employee wondering if the DROP program is the right move before you walk out the door for good? In this episode, we break down exactly how the Deferred Retirement Option Program works through the Florida Retirement System — and more importantly, whether it actually makes sense for your situation. DROP can be a powerful retirement planning tool, but the decision is largely irreversible, which means getting it right matters enormously. We cover who qualifies, how your retirement benefit accumulates during the DROP period, and the key financial planning considerations you need to evaluate before enrolling. Whether you are a teacher, state employee, or municipal worker, understanding the numbers behind DROP could significantly impact your long-term financial picture. Don't make this decision without getting a clear, fiduciary perspective first. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/florida-drop-program-is-it-worth-it-and-who-should-join/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 4, 202620 min

Couple Retirement Planning: Why One Number Will Fail You Both

Send us Fan Mail Two lives, one retirement plan — and that's exactly where high-net-worth couples go wrong. If you and your spouse are treating your retirement as a single financial event, you may be leaving serious money on the table or walking into a tax nightmare you never saw coming. In this episode, we break down why using one combined number in your retirement planning is a costly oversimplification — especially when you have $1 million or more in investable assets. From staggered retirement dates and Social Security timing to healthcare costs and wealth management strategies that work for two distinct financial lives, we cover what fiduciary, fee-based financial planning actually looks like for couples navigating this transition. Whether you're five years out or already retired, this conversation will change how you think about your shared financial future. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/couple-retirement-planning-why-one-number-will-fail-you-both/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.

September 1, 202623 min

Beneficiary Designation Mistakes That Could Cost Your Family Everythin

Send us Fan Mail Have you ever wondered if that beneficiary form you filled out years ago could quietly unravel everything you've worked for? In this episode, we uncover one of the most overlooked mistakes in retirement and financial planning — outdated beneficiary designations. Unlike your will, these forms bypass probate entirely and transfer your IRA, 401(k), and life insurance directly to whoever is named — even if that person is an ex-spouse or deceased relative. As a fee-based fiduciary firm, we've seen how a single neglected form can send hundreds of thousands of dollars to the wrong person, triggering unnecessary taxes and devastating family conflict. We'll walk you through exactly when to update your designations, who should be named, and how to protect your legacy the right way. Ready to talk? Schedule a complimentary discovery call at TDWealth.net. For educational purposes only. Not investment advice. 📖 Full show notes: https://tdwealth.net/beneficiary-designation-mistakes-that-could-cost-your-family-everythin/ ✅ BOOK AN APPOINTMENT TODAY: https://davieswealth.tdwealth.net/appointment-page =========================================================== 🔴 SEE ALL OUR LATEST BLOG POSTS: https://tdwealth.net/articles Website: https://tdwealth.net Social Media: https://www.facebook.com/DaviesWealthManagement https://twitter.com/TDWealthNet https://www.linkedin.com/in/daviesrthomas https://www.youtube.com/c/TdwealthNetWealthManagement Davies Wealth Management 684 SE Monterey Road Stuart, FL 34994 772-210-4031 DISCLAIMER Davies Wealth Management makes content available as a service to its clients and other visitors, to be used for informational purposes only. Davies Wealth Management provides accurate and timely information, however you should always consult with a retirement, tax, or legal professionals prior to taking any action.