Dear Friend,

This month marks 84 years since the Social Security Act was signed into law, but despite the program’s lengthy lifespan, many are still confused about how their benefits are calculated. It is crucial that you understand how much additional income your Social Security checks will provide once you start taking them because it can impact your tax bill.

Depending on how many sources of income you have in retirement, your Social Security benefits could push you into a higher tax bracket. However, some proactive planning can help ensure that you can maximize your benefits while reducing your tax liabilities.

To learn how your Social Security benefits are calculated, click here!

For professional assistance with creating a tax-efficient retirement plan and maximizing your Social Security, contact our office at (850) 437-3127 to schedule a time to visit.


Annalee Leonard




Sadly, as we age, our clients age too and every so often one of them passes away. We can hear our mom as she meets with those clients, as she is giving them comfort and advice during their time of sadness. Just the other day we heard her telling someone about some information she read on the Ed Slott website.

The Spousal IRA Decision Tree

Deciding how to handle your inherited IRA once your spouse passes can be a daunting task, especially during an emotional time of loss. But if your husband or wife was the owner of an IRA, there are important decisions you will need to make about your inheritance.

It’s critical that you understand the options available so that you can make the most out of your assets.

In the document below, there are a series of questions that can help guide you through your decision-making process.

Click here to download “The Spousal IRA Beneficiary Decision Tree.”

For more information on your IRA beneficiary options, contact our office at (850) 437-3127 to schedule a time for a visit.

Lemonade Iced Tea


  • 3 cups water
  • 2 family-size tea bags
  • 1 (1-oz.) package fresh mint leaves (about 1 cup loosely packed)
  • 1/2 cup sugar
  • 4 cups cold water
  • 1 (6-oz.) can frozen lemonade concentrate, thawed
  • Garnish: fresh citrus slices


  1. Bring 3 cups water to a boil in a 2-qt. saucepan. Remove from heat, add tea bags, and stir fresh mint. Cover and steep 10 minutes.
  2. Remove and discard tea bags and mint. Stir in sugar until dissolved.
  3. Pour tea into a 3-qt. container, and stir in 4 cups cold water and lemonade concentrate. Serve over ice. Garnish, if desired.
  4. Bourbon-Lemonade Iced Tea: Prepare recipe as directed, and stir in 1 cup bourbon. Makes 9 cups.
  5. Spiced Dark Rum-Lemonade Iced Tea: Prepare recipe as directed, and stir in 1 cup spiced dark rum. Makes 9 cups.