Milton, FL Financial Advisors and Consultants

Master Your Financial Situation

Financial Advisors in Milton, FL

It is our mission to assist organizations to turn their issues and complexity into a strategic advantage. The organization quickly gained a reputation for providing high-quality services and became one of the most profitable companies while accommodating our clients with certified financial advisors. 

If you are wondering, “Do I need a Financial Advisor?” From tax transaction support to best practice process implementation and financial structuring, our firm provides national and global organizations with a comprehensive variety of corporate finance solutions. We focus on minimizing risk and maximizing value for our clients. We have established all the trustworthy tools to comprehend and deliver answers in a worldwide and ever-changing commercial environment.

Our clients can benefit from our knowledge in transaction structuring and project financing; debt arrangement; feasibility and project appraisal; merger and acquisition; restructuring; and financial planning. Everyone in our team is results-oriented and committed to their work. We are a great asset to our clients because of the breadth and depth of our expertise.  So if you are looking for a financial planner or a financial advisor near me? Look no further than the team from Mass Mutual.

Retirement Plans

When personal data is used to guide retirement plan decisions, the results are the best. When looking for retirement plan companies, you should consider the proactive approach our company provides you with everything you need to manage your plan and assist you in meeting your objectives. Everything we do is geared toward helping you achieve financial success as you plan for retirement and other long-term financial goals. 

Take advantage of individualized assistance, easy solutions, and practical information that can assist you in moving closer to your financial objectives. Have access to tools that will help you track, manage, and plan your funds. The best retirement plans can start by using our retirement services.  You’ll be able to work with a team of knowledgeable retirement specialists eager to assist you in evaluating your alternatives and all types of retirement plans.

Tax Planning near Milton, FL

Tax planning is an essential component when it comes to maximizing and maintaining your money. Financial planning that takes into account strategies to cut tax outlays in the long term and how much you must pay now and in the future is essential to asset management.

When it comes to properly and legally decreasing your tax obligation, preparation is essential. Instead of just complying with tax laws, we propose our tax planning services and institute tax-saving measures that will help you maximize your after-tax income.

It is a goal for us to continue to improve our understanding of current tax law, the complicated tax code, and new tax rules by participating in frequent tax seminar sessions.

We work to ensure that our tax planning for businesses and tax planning for individuals pay the lowest amount of tax permitted by law because we are always looking for methods to reduce your taxes throughout the year, not just at the end of the fiscal year.

Milton, FL College Plans

We're committed to guiding families through the college and financial planning process in Milton, FL and devising a strategy to enhance college admissions success. We're here to help.

We help students with college planning and high school advice from sophomore through senior year. Our student-centered approach helps high school students gain the skills to succeed in college and beyond.

Your student's most significant potential outcome is achieved by handcrafted relevant data, collaboration tools, and personal mentoring. Our goal is to get to know our students on a personal level so that we can help them achieve their educational and personal goals.

Our team uses specialist resources, such as self-assessments, college planning curricula, and test prep, to help design customized plans for each student's success in the admissions process.

Estate Planning

When you are interested in making plans for your future or have a legal matter regarding an estate, real estate, or personal and company assets, you must consult with an experienced firm that you can rely on for guidance. Your future investments and rights will be safeguarded by good advice, strategy, and advocacy from our team of experienced estate planning professionals near Milton, FL

We give you an estate planning checklist and the tools you need to advise your loved ones and protect your legacy, allowing your money to make a direct and long-lasting influence on the lives of those around you.

You have worked hard to accumulate your fortune; allow your estate planning advisors to assist you in protecting it at any point in your financial journey, including through anticipated and unplanned life events.

Profit-Sharing Plans

To inspire and reward your staff, you should consider implementing a profit-sharing strategy. In contrast to profit-sharing plans, which are defined as contribution plans, profit-sharing programs allow you as the employer to evaluate your company's financial situation at the end of the year before determining the amount of money you wish to put into your employees' retirement accounts. Employers can deduct these donations from their taxable income.

We make personal finance simple and easy to comprehend. It is the site of specialists who give straightforward, actionable advice on managing your money.

As a result of our years of expertise working with customers and creating good business processes, we are enthusiastic about recognizing significant market requirements and linking them with the most appropriate solutions.

Disability Insurance Milton, FL

Disability insurance, often known as disability income (DI) insurance, is long-term care insurance. The Disability Insurance (DI) program may be able to assist you if you are unable to work for a long time due to illness or injury, including bonuses and commissions.

Having disability income insurance can help you safeguard 45 percent to 65 percent of your income if you cannot work due to illness or injury. Consequently, if you have dependents who rely on you financially, college tuition to pay for, and mortgage payments to make, you should consider purchasing disability income insurance coverage.

We’ll address different options for disability insurance for individuals, short-term disability Insurance, Long Term Disability Insurance, and more.

Life Insurance

If you are the only breadwinner for your family and are concerned about your family's financial well-being in the event of your untimely death, an insurance plan is what you need to figure things out.

Your family's financial commitments, such as education expenses for your children, loss of income, and other financial obligations, can be met with the help of life insurance.

The process of finding a reputable life insurance company is not something that should be completed by yourself. You may indeed get some comfort in attempting it yourself, however,  as a consequence of it, but the primary reward is that you contribute to your family's safety. In addition, we make it as quick, uncomplicated, and affordable as possible for you to receive life insurance coverage as soon as you need it, if at all feasible.

Long Term Care Insurance for Milton, FL

Even though it's hard to believe right now, you'll require some assistance with your daily activities as you become older. Exactly how you will pay for it is the central question.

One option to get ready is to get long-term care insurance. When you have a long-term medical condition, a handicap, or a problem, long-term care insurance can assist pay the expenses of such care.

Long-term care insurance plans pay policyholders a daily monetary benefit (up to a certain maximum) for assisted care services such as feeding, bathing, and dressing. With various care and benefit choices available, you may receive the services you require when and when you need them.

Our well-versed insurance agents/producers come to your house and sit down with you to learn about your preferences and objectives. They'll make it easy for you to choose the best option for your financial situation.

Fixed Annuities as Insurance

Investing in a fixed annuity allows you to lock in a rate of return that is unaffected by market fluctuations. Both the investment's principal and a predetermined interest rate are ensured.

An annuity is a long-term investment contract that you buy from an insurance provider. Prices will change according to the performance of the investment options. Premature withdrawals are subject to a penalty. 

Our line of fixed annuities offers unique solutions with guaranteed income possibilities you won't outlive.

Frequently Asked Questions

What Does Your Credit Score Say About You?

A credit score is designed to provide lenders with an estimate of how much debt you can afford and how likely it is that you’ll repay those debts on time. Many factors are taken into account when determining a credit score, including your repayment history and the amount of debt that you currently have.

What Is Whole Life Insurance?

This is a type of permanent life insurance that has fixed death benefits and premiums. The cash value of these policies adds up over time. This growth is tax-deferred. There are many things that can influence how much you’ll spend on life insurance and what kind of policies will be available to you, including your current age, medical history, and the amount of insurance you plan on purchasing. There are costs associated with life insurance, such as mortality charges. If you opt to cancel your policy, you may be on the hook for surrender charges. It could also impact what you owe in income tax. Before including life insurance in your plans for the future, you’ll want to find out what kind of coverage is available to you. You should also keep in mind that the guarantees a policy offers are based on the presumption that the company that has issued the policy will be able to keep making payments.

How Do Wills Work?

Wills are a legal document that specifies how an individual or couple wants their assets to be distributed after their death. Wills may also assign someone as a guardian of minor children or specify who the executor of the estate will be. 

Is It Important to Budget for Taxes?

It’s always important to make sure that you’re prepared to cover your tax bill. If you’d like information that’s relevant to your situation, you’ll want to talk to a tax professional. 

How Does Your Credit Rating Impact Insurance Rates?

 Studies have shown that most companies that provide auto and home insurance look at credit scores when determining what the cost of insurance should be. However, some states, including California, Hawaii, and Massachusetts, do not allow credit scores to impact insurance rates. Other states permit it to be used for property insurance, but not for other types of insurance.

What Are the Differences Between Fixed-Rate and Variable Mortgages?

With a fixed-rate mortgage, you’ll pay a fixed interest rate for as long as you have a loan. With a variable loan, the interest paid can fluctuate over time based on the current interest rates. Typically, an index is used to determine what the interest rates will be. This means that interest rates could rise or fall in the future.

Is It Smart to Borrow From a 401(K)?

In most cases, financial experts advise against borrowing from a 401(K). However, if the funds are needed, a loan is a better option than fully distributing the funds.

How Does Unlimited Marital Deduction Work?

This part of the tax code states that someone can transfer assets to their spouse at any time without any tax liability. There is no limit on the number of assets that can be transferred, and assets can be transferred at the time of the individual’s death. 

What Does Total Return Mean?

This refers to all of the earnings from a portfolio or an investment. This includes both incomes received as well as capital appreciation.

What Are Annuity Contracts?

These are contracts that insurance companies allow buyers to purchase. The buyer then receives regular payments from the company. The payments can begin right away or at a future time. Payments may be made each month, quarter, or year. Payments are also available in a lump sum. Holders of annuity contracts can choose to receive payments for a specific period of time or for the remainder of their lives.

Local Reviews
for Milton, FL


Cheryl  M.

Cheryl M.

Buying vs. Leasing a Car Some people approach buying a car like they approach marriage, "'til death do us part." Others prefer to keep their options open, trading in every few years for the latest make and model, the most cutting-edge technology, or the highest horsepower. Whichever describes you best, we all face a similar decision when it comes to acquiring a car: finance, lease, or pay cash. When shopping for new vehicles, about one-quarter of consumers choose to lease, while the majority choose to finance. From an investment perspective, which choice is best? That depends on your lifestyle, cash flow, and personal preferences.1 Buying vs. Leasing a Car For many, paying cash for a car is the simplest way to get one. When you drive off the lot, you own the vehicle outright and are free to do whatever you want with it. You face no penalties or mileage restrictions, and you have no monthly payments. However, you have paid cash for a vehicle that is expected to depreciate over

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

Buying vs. Leasing a Car Some people approach buying a car like they approach marriage, "'til death do us part." Others prefer to keep their options open, trading in every few years for the latest make and model, the most cutting-edge technology, or the highest horsepower. Whichever describes you best, we all face a similar decision when it comes to acquiring a car: finance, lease, or pay cash. When shopping for new vehicles, about one-quarter of consumers choose to lease, while the majority choose to finance. From an investment perspective, which choice is best? That depends on your lifestyle, cash flow, and personal preferences.1 Buying vs. Leasing a Car For many, paying cash for a car is the simplest way to get one. When you drive off the lot, you own the vehicle outright and are free to do whatever you want with it. You face no penalties or mileage restrictions, and you have no monthly payments. However, you have paid cash for a vehicle that is expected to depreciate over

Near Milton, FL 32570
Cheryl  M.

Cheryl M.

Buying vs. Leasing a Car Some people approach buying a car like they approach marriage, "'til death do us part." Others prefer to keep their options open, trading in every few years for the latest make and model, the most cutting-edge technology, or the highest horsepower. Whichever describes you best, we all face a similar decision when it comes to acquiring a car: finance, lease, or pay cash. When shopping for new vehicles, about one-quarter of consumers choose to lease, while the majority choose to finance. From an investment perspective, which choice is best? That depends on your lifestyle, cash flow, and personal preferences.1 Buying vs. Leasing a Car For many, paying cash for a car is the simplest way to get one. When you drive off the lot, you own the vehicle outright and are free to do whatever you want with it. You face no penalties or mileage restrictions, and you have no monthly payments. However, you have paid cash for a vehicle that is expected to depreciate over

Near Milton, FL 32583
Cheryl  M.

Cheryl M.

New Retirement Contribution Limits for 2023 The Internal Revenue Service (IRS) has released new limits for certain retirement accounts for the coming year. After months of high inflation and financial uncertainty, some of these cost-of-living-based adjustments have reached near-record levels. Keep in mind that this update is for informational purposes only, so please consult with an accounting or tax professional before making any changes to your 2023 tax strategy. You can also contact your financial professional, who may be able to provide you with information about the pending changes. Individual Retirement Accounts (IRAs) Traditional IRA contribution limits are up $500 in 2023 to $6,500. Catch-up contributions for those over age 50 remain at $1,000, bringing the total limit to $7,500. Remember, once you reach age 73, you must begin taking required minimum distributions from a Traditional IRA in most circumstances. Withdrawals are taxed as ordinary income and, if taken bef

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

What Is a 1031 Exchange? If you want to add investment real estate to your portfolio, you may want to know what a 1031 Exchange is. While the rules and regulations for this tactic can get complicated, understanding the basic concepts may help you decide if this strategy is right for you. Conducting a 1031 Exchange involves a complex set of tax rules and regulations. Before moving forward, consider working with a professional familiar with the rules and regulations. Also, this article is for informational purposes only. It is not a replacement for real-life advice, so consult your tax or accounting professional before moving forward with a 1031 Exchange. Here's what a 1031 Exchange is and some requirements to help you determine if you should pursue this avenue further. What is a 1031 Exchange? In the simplest terms, a 1031 Exchange is a real estate investment strategy that allows you to defer your capital gains taxes on an investment property if you sell it and buy another "l

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

What Is a 1031 Exchange? If you want to add investment real estate to your portfolio, you may want to know what a 1031 Exchange is. While the rules and regulations for this tactic can get complicated, understanding the basic concepts may help you decide if this strategy is right for you. Conducting a 1031 Exchange involves a complex set of tax rules and regulations. Before moving forward, consider working with a professional familiar with the rules and regulations. Also, this article is for informational purposes only. It is not a replacement for real-life advice, so consult your tax or accounting professional before moving forward with a 1031 Exchange. Here's what a 1031 Exchange is and some requirements to help you determine if you should pursue this avenue further. What is a 1031 Exchange? In the simplest terms, a 1031 Exchange is a real estate investment strategy that allows you to defer your capital gains taxes on an investment property if you sell it and buy another "l

Near Milton, FL 32570
Cheryl  M.

Cheryl M.

Managing Money as a Couple When you marry or simply share a household with someone, your life changes—and your approach to managing your money may change as well. The good news is it’s usually not so difficult. At some point, you will have to ask yourselves some money questions—questions that pertain not only to your shared finances but also to your individual finances. Waiting too long to ask (or answer) those questions might have some consequences. First off, how do you propose setting priorities? One of your first priorities should be simply setting aside money that may help you build an emergency fund. But there are other questions to ask. Should you open joint accounts? How should you title assets that are owned by both of you? How much will you spend & save? Budgeting can help you arrive at your answer. A simple budget, an elaborate budget, or any attempt at a budget can prove more informative than you realize. A thorough, line-item budget may seem a little over the top

Near Milton, FL 32572
Cheryl  M.

Cheryl M.

Managing Money as a Couple When you marry or simply share a household with someone, your life changes—and your approach to managing your money may change as well. The good news is it’s usually not so difficult. At some point, you will have to ask yourselves some money questions—questions that pertain not only to your shared finances but also to your individual finances. Waiting too long to ask (or answer) those questions might have some consequences. First off, how do you propose setting priorities? One of your first priorities should be simply setting aside money that may help you build an emergency fund. But there are other questions to ask. Should you open joint accounts? How should you title assets that are owned by both of you? How much will you spend & save? Budgeting can help you arrive at your answer. A simple budget, an elaborate budget, or any attempt at a budget can prove more informative than you realize. A thorough, line-item budget may seem a little over the top

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

Managing Money as a Couple When you marry or simply share a household with someone, your life changes—and your approach to managing your money may change as well. The good news is it’s usually not so difficult. At some point, you will have to ask yourselves some money questions—questions that pertain not only to your shared finances but also to your individual finances. Waiting too long to ask (or answer) those questions might have some consequences. First off, how do you propose setting priorities? One of your first priorities should be simply setting aside money that may help you build an emergency fund. But there are other questions to ask. Should you open joint accounts? How should you title assets that are owned by both of you? How much will you spend & save? Budgeting can help you arrive at your answer. A simple budget, an elaborate budget, or any attempt at a budget can prove more informative than you realize. A thorough, line-item budget may seem a little over the top

Near Milton, FL 32570
Cheryl  M.

Cheryl M.

Best-Performing Asset Classes According to Yale University's Crash Confidence Index, only about 24% of investors are confident the stock market will not crash sometime during the next six months.1 If fear leads investors to avoid the entire investment class, they may limit their potential returns. For example, for most of the 10-year period between 2012 and 2022, stocks outperformed both cash and the 10-year treasury. Cash pulled ahead twice, once in 2018 and again in 2022. The 10-year treasury pulled ahead only once, in 2015.2 But the stock market is volatile. Between February 12, 2020, and March 23, 2020, the Dow lost 37% of its value due to the onset of the COVID-19 pandemic. Fortunately, recovery was swift, and by November 2020, US markets had returned to their pre-pandemic highs.3 If the impulse to be safe keeps investors out of the stock market, it may also keep them from taking advantage of the potential returns the stock market has to offer. A sound investing strat

Near Milton, FL 32572
Cheryl  M.

Cheryl M.

Best-Performing Asset Classes According to Yale University's Crash Confidence Index, only about 24% of investors are confident the stock market will not crash sometime during the next six months.1 If fear leads investors to avoid the entire investment class, they may limit their potential returns. For example, for most of the 10-year period between 2012 and 2022, stocks outperformed both cash and the 10-year treasury. Cash pulled ahead twice, once in 2018 and again in 2022. The 10-year treasury pulled ahead only once, in 2015.2 But the stock market is volatile. Between February 12, 2020, and March 23, 2020, the Dow lost 37% of its value due to the onset of the COVID-19 pandemic. Fortunately, recovery was swift, and by November 2020, US markets had returned to their pre-pandemic highs.3 If the impulse to be safe keeps investors out of the stock market, it may also keep them from taking advantage of the potential returns the stock market has to offer. A sound investing strat

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

Your Emergency Fund: How Much Is Enough? Have you ever had one of those months? The water heater stops heating, the dishwasher stops washing, and your family ends up on a first-name basis with the nurse at urgent care. Then, as you're driving to work, you see smoke coming from under your hood. Bad things happen to the best of us, and sometimes it seems like they come in waves. That's when an emergency cash fund can come in handy. One survey found that nearly 25% of Americans have no emergency savings. Another survey found that 40% of Americans said they wouldn't be able to comfortably handle an unexpected $1,000 expense.1,2 How Much Money? How large should an emergency fund be? There is no “one-size-fits-all” answer. The ideal amount may depend on your financial situation and lifestyle. For example, if you own a home or have dependents, you may be more likely to face financial emergencies. And if a job loss affects your income, you may need emergency funds for months. Com

Near Milton, FL 32583
Cheryl  M.

Cheryl M.

Four Really Good Reasons to Invest Forty-two percent of Americans do not own any stocks or stock-related investments, according to a recent Gallup poll.1 Individuals may cite different reasons for not investing, but with important long-term financial goals, such as retirement, in the balance, the reasons may not be good enough. Why Invest? Make Money on Your Money You might not have a hundred million dollars to invest, but that doesn't mean your money can't share in the same opportunities available to others. You work hard for your money; make sure your money works hard for you. Achieve Self-Determination and Independence When you build wealth, you may be in a better position to pursue the lifestyle you want. Your life can become one of possibilities rather than one of limitations. Leave a Legacy to Your Heirs The wealth you pass to the next generation can have a profound impact on your heirs, providing educational opportunities, the capital to start a business, or fin

Near Milton, FL 32570
Cheryl  M.

Cheryl M.

Who Are You Really Working for? What most people don’t know about insurance is that the earlier you start, the better it benefits you and your family. You can protect yourself and loved ones from the unexpected by having a defense plan in place. The reality is, when you’re in survival mode, it’s easy to postpone thinking of the future. You’re only concerned with what’s happening right now which is why you need a trusted advisor that specializes in insurance. Your family deserves the best financial future. We offer various services including Life Insurance: Term, Whole Life, Universal Life Disability Insurance Long-term Care Solutions Fixed Annuities Group Benefit Life Insurance

Near Milton, FL 32571
Cheryl  M.

Cheryl M.

9 Facts About Retirement Retirement can have many meanings. For some, it will be a time to travel and spend time with family members. For others, it will be a time to start a new business or begin a charitable endeavor. Regardless of what approach you intend to take, here are nine things about retirement that might surprise you. Many consider the standard retirement age to be 65. One of the key influencers in arriving at that age was Germany, which initially set its retirement age at 70 and then lowered it to age 65.1 Every day between now and the end of the next decade, another 10,000 baby boomers are expected to turn 65. That's roughly one person every eight seconds.2 The 65-and-older population is one of the fastest growing demographics in the United States. In 2019, there were 54.1 million Americans aged 65 and older. That number is expected to increase to 80.8 million by 2040.3 Ernest Ackerman was the first person to receive a Social Security benefit. In March 1937, t

Near Milton, FL 32571