What Happens If I Retire During a Market Downturn?
This is a question I get all the time at Manna Wealth Management: “David, what happens if I retire right when the stock market is down?” It’s a valid concern. Nobody wants to start retirement just as the market takes a dive. After all, you’ve spent decades building...
How Do I Protect My Retirement Savings from Inflation?
One of the most common concerns I hear from clients at Manna Wealth Management is: “David, how do I protect my retirement savings from inflation?” It’s a great question, and one worth asking right now. Inflation is like a slow leak in your retirement bucket. Even if...
Should I Convert My IRA to a Roth?
When I meet with families at Manna Wealth Management, this question comes up a lot: “David, should I convert my IRA to a Roth?” It’s a fair question, and the truth is—there’s no one-size-fits-all answer. Sometimes it makes a lot of sense. Other times, it’s not the...
Customized Wealth Plans for Physicians and Medical Professionals
As a financial advisor who’s worked with high-income professionals for over two decades, I’ve seen firsthand the unique financial challenges and opportunities that physicians and medical professionals face. This article is written from my perspective to help guide you...
How Weather and Natural Disasters Impact Your Financial Plan in Florida
Living in Florida has many advantages — year-round sunshine, no state income tax, and a lifestyle that’s hard to beat. But as beautiful as our state is, it’s no secret that we’re also prone to hurricanes, flooding, and other natural disasters. As a wealth manager who...
Navigating Divorce and Finances: What Women Need to Know
Divorce is more than a legal process — it’s a life-altering financial event. As a wealth manager who has guided clients through countless transitions, I’ve seen how divorce impacts women uniquely — emotionally, legally, and especially financially. This article is...
The Best Tax-Deferred Investment Options for 2025
Living in Florida provides some unique financial advantages — no state income tax, favorable estate tax laws, and an ever-growing population of high-net-worth retirees and professionals. But if you’re serious about building wealth efficiently, it’s not just about...
Estate Planning Checklist: What You Need Before You Turn 60
Turning 60 is a major milestone — and one that comes with both freedom and responsibility. If you’re like many of the clients I work with at Manna Wealth Management, you’ve spent a lifetime building your wealth, raising a family, and making smart financial decisions....
Wealth Management for Beginners: Where to Start
When I meet with someone new to wealth management, I often hear the same question: “Where do I even start?” It’s a fair question—and one I’ve answered many times over the years. Whether you’re in your early 20s just entering the workforce in Miami, a family looking to...
The Best Retirement Accounts for Building Long-Term Wealth
When it comes to retirement, the single most powerful factor is time. The earlier you start planning and investing, the better positioned you’ll be to live comfortably—and confidently—in the future. But knowing how and where to invest your retirement dollars is just...
Active vs. Passive Investing: Which Is Right for You?
One of the most frequent questions I get from clients—whether they're in Miami, Orlando, or Naples—is this: "Should I be actively managing my investments, or is it better to take a passive approach?" The answer, like many things in wealth management, isn’t...
The Role of Life Insurance in Estate and Wealth Planning
When most people hear the term “life insurance,” they think of it as simply a safety net—a way to provide financial support to loved ones in the event of an untimely death. But for those of us in the world of wealth and estate planning, life insurance is much more...
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