Moisand Fitzgerald Tamayo, LLC

Tune into this month's blog post for Dan Moisand's discussion of everything you need to know about Trump accounts.

What Every Parent and Grandparent Needs to Know about Trump Accounts A concise briefing on Trump account rules about contributions, investments, distributions, and taxation.

Tommy Lucas, CFP® recently lent his expertise to an article for Yahoo Finance on the topic of Trump accounts and whether they are a good investment for your child.

Click the link below to read the full article!

finance.yahoo.com

Click the link below to read Dan's recent contribution for Florida Today

Know financial risk when it comes to TIPS and building your nest egg TIPS protect against inflation, but tax burdens and market risks make a diversified portfolio a safer bet for your nest egg.

Moisand Fitzgerald Tamayo has once again been recognized as one of Orlando's top performing businesses on the 2026 Orlando Business Journal Fast 50 List.

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2026 Fast 50 revealed: These are Central Florida's fastest-growing companies - Orlando Business Journal The 50 firms that make the list are ranked by their revenue growth from 2023-2025. See which firms made the cut.

Dear Dan,

I was waiting at a bar for a dinner table and the guy I was chatting with was pretty upset about his tax bill. He said he expected a tax-free transaction, but when he took his 401(k) after being laid off, the company withheld a bunch for taxes. He then took a big tax hit even though he put what he received into an IRA. Is that possible? Can ex-employers just withhold money like that?

—Concerned bystander

Clink the link below for Dan's answer!

Can former employers withhold money from your 401(k) when you’re laid off? There are two main ways to move money from your workplace retirement plan when you leave your job. One can cost you.

"Dan, I’m 70 and will never earn another paycheck. That is both wonderful and a little scary. I keep hearing that I should buy gold to protect my retirement portfolio. How much gold do I need to buy to do that?" — Tom in Palm Bay

Clink the link below to read Dan's response!

How much gold should you buy in retirement? Or do you need it at all? - AOL Gold may not be the reliable retirement hedge many investors believe it to be. Here's what you should know.

From time to time, we like to bring members of our team together for a conversation. Today, members of our investment committee: D.J. Hunt, Ron Tamayo, and Ryan Osborne talk about current investment issues like inflation and the SpaceX IPO, what our investment committee does, and how we think about client portfolios.

Click the link below to read more, or watch the full video on YouTube.

SpaceX, inflation, and more from our investment committee - Moisand Fitzgerald Tamayo Learn how our investment committee approaches inflation, investing, diversification, and market headlines like SpaceX through a long-term lens.

Ryan Osborne, CFP®, CFA, EA has become a CFA charterholder. The CFA stands for Chartered Financial Analyst, a prestigious global designation issued by the CFA Institute. It signifies high competence in portfolio management, security analysis, and ethics, requiring passing three rigorous exams and meeting experience requirements. Testing includes 3 six-hour exams and has a reputation for difficulty. According to the CFA Institute, CFA exam pass rates typically hover between 35% and 50% for most sittings, with 10-year averages generally resting at 41% for Level I, 45% for Level II, and 50% for Level III. For the Level III exam in February 2026, 50 percent passed. Chris Wiese, CFA, Managing Director, Education, CFA Institute, said: “The CFA Program equips candidates with a deep foundation of investment knowledge and helps develop the sound professional judgement that is so critical in today’s increasingly complex markets.”

Click the link below to read DJ Hunt's recent contribution to Rethinking65.

The Tax-Free Myth Social Security benefits are not tax free under OBBBA, but the law does offer an enhanced deduction to seniors.

Q: Dan, now that the estate tax exemptions are permanent, do we need to keep our trust? — Steve in Satellite Beach

A: Steve, estate taxes are only one reason people set up trusts, so I wouldn't rush to scrap yours.

Click the link below to read Dan's full response!

Estate tax exemptions are permanent now. What does that mean for trusts? Estate tax exemptions are now permanent but trusts offer benefits like asset control and creditor protection.