KEVIN LAO

Very simple. Money is personal. Unfortunately, big financial firms are turning to automation and cookie-cutter retirement plans, and it’s leading to a serious gap in how retirees and pre-retirees are getting advice. So, instead of working for wall street or a big bank, launching our own firm allows us to build deeper relationships with our clients and serve them better in retirement.

Our ability to help our clients with so much more than just investments. I remember at one of the previous big firms I worked for, I had an email flagged by compliance because I said the word “tax.” Every movement of money has a tax consequence. Wouldn’t it make sense to know what the tax consequences of a money movement are for a client? Well, if I asked 10 retirees or pre-retirees on the street if their advisor has reviewed their two most recent tax returns, how many would say yes? I’ll take a stab in the dark and say maybe one out of ten.

We serve everyday retirees and pre-retirees over age 50 who have diligently saved for retirement but have concerns about taxes, inflation, and longevity. Most of the families we serve live right here in Northeast Florida, and they are the classic millionaires next door. What’s top of mind for them is making the transition from earned income to passive income so they can spend more time with their grandkids and travel.

For those who have diligently saved up to this point, taxes are one of the biggest risks to their retirement income plan. The government has printed money at an alarming rate since 2009, and if you couple this with unfunded government liabilities like Social Security, Medicare, and Medicaid, increasing taxes is highly likely. However, we still have a few more years left of low tax brackets, thanks to the TCJA of 2017, so there are planning opportunities you can take advantage of now before it’s too late!

Our core three services are customized investment management, tax planning, and retirement income planning. We also help clients who have goals to leave a financial legacy to children or grandchildren do this in a way that is most tax efficient. Especially for blended families who have a mix of children from current and previous marriages. My wife and I both grew up in a blended family, and I have a strong passion for helping these individuals with their retirement and estate plans.

To learn more about Kevin’s event or register for the event visit imaginefinancialsecurity.com/events OR Call or Text us at (904) 323-2069

One of the nation’s fastest-growing homebuilders, Dream Finders Homes is offering an exciting new vision for 55+ living at its Reverie at TrailMark community in St. Johns County. The gated enclave has just celebrated the opening of The Retreat, the comprehensive amenity complex that showcases the active lifestyle that has already helped produce over 200 home sales since the community’s introduction.

Locally operated Dream Finders Homes, the official homebuilder of the PGA TOUR, is active in eight states and is publicly traded on the New York Stock Exchange (NYSE: DFH). Reverie at TrailMark is one of five communities developed under the company’s Active Adult Lifestyle division.

The Retreat is at the heart of the friends, fitness, and good times at Reverie at TrailMark’s 55+ lifestyle. It is an impressive lakeside complex featuring a rustic clubhouse with fireplace, catering kitchen, freeform tropical pool with lap lanes and spa, and six tournament-style pickleball courts, along with a fire pit, bocce courts and community trails. The 4,600-squarefoot clubhouse is home for event space for celebrations, plus a full calendar of clubs and groups, dances, fitness activities, and more. In addition to their private amenities, residents of Reverie at TrailMark can also take advantage of a variety of outdoor social and recreational facilities offered in the TrailMark community, including more than 24 miles of trails, and a kayak and canoe launch on navigable Sixmile

Creek. In addition, TrailMark is an all-ages community, so Reverie residents could have adult children and grandchildren living close by.

Reverie at TrailMark enjoys an ideal location in St. John’s County. It’s a paradise waiting to be explored – from the Jacksonville Zoo’s awardwinning Jaguar exhibit and St. Augustine’s charming Historic District to championship golf and pristine Atlantic beaches.

The community is convenient to the interstate and international airports, top-rated healthcare facilities and hospitals including the worldrenowned Mayo Clinic. World-class centers for arts and culture, shopping, recreation, entertainment, and continuing education abound. Over 100 area restaurants include inspired cuisine by 19 chefs on America’s Best Chef list. A golf mecca, nearby courses include the PGA World Golf Hall of Fame, King & Bear, and TPC Sawgrass, among others.

Active adults are invited to tour four decorated model homes at Reverie at TrailMark. A second phase of the community has been recently released with new single-family homes available in 12 floorplans – priced from $359,990.

Each home is designed to feature natural light and elevate outdoor living with all the comforts of home: open home designs, private owner’s suites and attractive entertaining spaces. Front porches and shaded lanais beckon residents to enjoy an afternoon nap or an evening meal with friends.

Complementing the efficient design of the homes is the convenience of a low-maintenance lifestyle including common-area maintenance and landscaping. Along with the peace of mind provided by the gated entry, this facilitates seasonal occupancy and a carefree, lock-andleave lifestyle for active adults on the go.

Reverie at TrailMark is located at 50 Rustic Mill Drive, St. Augustine, FL 32092. For information, call 386.749.3059 or visit ReverieAtTrailMark. com.