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PODCAST

1715 Treasure Coast Financial Wellness with Thomas Davies

Davies Wealth Management

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

business investing

All Episodes

24:53

Balanced Portfolio by Age: Are You Investing It Wrong?

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/10/10

Send us Fan Mail Is your portfolio actually built for your age — or just borrowed from a generic rulebook? In this episode, we challenge the outdated "subtract your age from 110" formula that millions of investors blindly follow, and explain why high-net-worth individuals need a more sophisticated approach to wealth management.If you have $1 million or more in investable assets, a one-size-fits-all glide path isn't just imprecise — it could quietly cost you hundreds of thousands of dollars ...

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23:47

403(b) Annuities for Florida Educators: What You Must...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/10/06

Send us Fan Mail Are you a Florida educator about to sign retirement paperwork you barely had time to read? Before you commit to a 403(b) annuity, you need the full picture. In this episode, we break down exactly how 403(b) annuities work for teachers, administrators, and school district employees across Florida — including the hidden fees, surrender charges, and contract terms that can quietly drain your retirement savings. We also explore whether a 403(b) annuity actually fits your long-ter...

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17:08

529 to Roth IRA Rollover Rules Every Stuart Family...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/10/02

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 br...

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22:55

Alternative Investments 2026: Top Platforms for...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/10/02

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-b...

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23:36

Fixed Annuities: 7 Facts Before You Lock In Your Money

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/29

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 produc...

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21:59

Net Unrealized Appreciation: The 401(k) Tax Trick...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/25

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 r...

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23:13

Asset Location Tax Strategies Most Wealthy Investors...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/22

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 ...

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19:27

Best Retirement Books: 12 Must-Reads Before You Retire

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/15

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 wi...

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21:52

Retirement Books Financial Advisors Actually...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/11

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. Bu...

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23:18

Florida DROP Program: Is It Worth It and Who Should...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/08

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 qual...

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20:36

Couple Retirement Planning: Why One Number Will Fail...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/04

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 reti...

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23:55

Beneficiary Designation Mistakes That Could Cost Your...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/09/01

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...

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24:53

Executive Retirement Income: 5 Steps to Distribute It...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/28

Send us Fan Mail You built wealth like an executive — now it's time to distribute it like one. Most high-earning professionals spend decades mastering accumulation, only to discover that retirement income distribution requires an entirely different playbook. The strategies that grew your portfolio can quietly work against you the moment you stop receiving a paycheck.In this episode, we break down five essential steps for converting your accumulated wealth into sustainable lifetime income — ...

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24:49

Business Exit Planning: 7 Strategies to Keep More of...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/25

Send us Fan Mail You've spent years building your business — but are you prepared to actually *keep* the wealth when you sell it? For most business owners, the exit is the single most consequential financial event of their lives, yet too many discover too late that the headline sale price and what they walk away with are two very different numbers. In this episode, we break down 7 proven business exit planning strategies designed to help you minimize taxes, structure your deal wisely, and pro...

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24:22

Wealth Manager Fees: What High-Net-Worth Investors...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/21

Send us Fan Mail Are you quietly losing six figures — or more — to wealth manager fees you've never fully examined? In this episode, we break down exactly what high-net-worth investors are paying for wealth management in 2026, and more importantly, whether those fees are truly worth it.If you're managing a portfolio of $2 million, $5 million, or $10 million or more, even a small difference in fee structure can compound into staggering losses over time. We explore the real cost of fee-based ...

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20:24

Roth Conversion: Why Ages 62–72 Can Make or Break...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/19

Send us Fan Mail Most retirees waste the most valuable tax window of their entire financial lives — and they don't even know it. Between ages 62 and 72, a rare opportunity opens up where strategic Roth conversions can dramatically reduce your lifetime tax burden. But if you miss it, you could pay tens of thousands more in unnecessary taxes once Social Security kicks in and required minimum distributions begin.In this episode, we break down why this decade is so critical for retirement tax p...

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21:49

Roth Conversion: Why Ages 62–72 Can Save You...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/18

Send us Fan Mail Most retirees assume their tax bill shrinks when they stop working. It doesn't — and the cost of that assumption can run into the hundreds of thousands of dollars. In this episode, we break down why ages 62 to 72 represent the most overlooked window in retirement financial planning, and how a strategic Roth conversion during these years can dramatically reduce your lifetime tax burden. Before Social Security, before required minimum distributions kick in, you have rare contro...

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21:58

Florida Homestead Exemption Mistakes New Residents...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/17

Send us Fan Mail Missing the Florida homestead exemption deadline could cost you $50,000 or more — and most new residents don't find out until it's too late. If you recently relocated to Florida to escape state income taxes, this episode is essential listening.In this episode, we break down the most common and costly mistakes high-income earners make when navigating the Florida homestead exemption. From misunderstanding eligibility requirements to missing critical filing windows, these aren...

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22:52

NBA Money Mistakes: 5 Stats That Should Shape Your...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/14

Send us Fan Mail Most NBA players are broke within five years of retirement — and the warning signs were there all along. In this episode, we break down five eye-opening stats about NBA career finances that every athlete, sports fan, and high-income earner needs to hear. The average professional basketball career lasts fewer than five years, which means wealth management isn't just smart — it's urgent. We explore how short earning windows demand smarter financial planning, why tax strategy ma...

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27:39

Asset Location: Put the Right Investments in the...

1715 Treasure Coast Financial Wellness with Thomas... ·

2026/08/12

Send us Fan Mail Most investors obsess over *what* to buy — but *where* you hold your investments could matter just as much. Asset location is one of the most powerful and most overlooked strategies in wealth management, yet few high-net-worth investors ever put it to work.In this episode, we break down how deliberately placing different investments across taxable, tax-deferred, and tax-free accounts can add tens of thousands — or even hundreds of thousands — of dollars in after-tax value o...

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