October 2026

Person gently holding an older adult's hands across a table, illustrating support and planning for long-term care needs.

21 Oct Long-Term Care Insurance Hybrid Policies: When a Combined Approach Works

Posted at 09:15h in Financial Planning, Legacy Estate Planning, Long Term Care Insurance (LTC), Nova Wealth Management News & Updates by Amy Novakovich 0 Comments

Understanding Hybrid Long-Term Care Insurance As individuals and families in Southwest Florida focus on protecting their lifestyles and legacies, long-term care (LTC) planning becomes an essential part of a comprehensive financial strategy. Traditional long-term care insurance has evolved, and today, hybrid policies—combining life insurance or annuities...

Retired couple reviewing tax documents and retirement income calculations with a calculator and laptop.

20 Oct Your Tax Bracket: What Retirees Should Know

Posted at 09:59h in Retirement Tax Planning by Beth Nova 0 Comments

Your Tax Bracket May Not Tell the Whole Story: What Retirees Should Know What tax bracket are you in? If you answered 22% or 24%, you might be surprised to learn that your next financial decision could have a much greater tax impact. That's because your federal...

Older couple looking thoughtful and uncertain, illustrating the emotional challenges of investment decisions and market volatility.

15 Oct Loss Aversion: Why Selling at a Loss Feels Worse Than Missing a Gain

Posted at 10:25h in Nova Wealth Management News & Updates, Retirement Investment Planning, What a Financial Planner Can Do for You by Amy Novakovich 0 Comments

Understanding the Emotional Side of Investment Decisions Every investor faces moments of doubt, especially when markets fluctuate or investments underperform. One of the most common—and powerful—emotional biases affecting financial choices is the discomfort around realizing losses. This behavioral tendency can significantly impact not only individual portfolios...

Retirement investment planning concept illustrating the balance between stocks and bonds as investors age

13 Oct Stocks vs. Bonds in Retirement: Does Age Matter?

Posted at 16:49h in Bonds (Individual), Exchange-Traded Funds (ETFs), Mutual Funds, Retirement Investment Planning by Beth Nova 0 Comments

Should You Own More Bonds as You Age? Why Retirement Investing Isn't That Simple For decades, investors have heard a familiar rule: As you get older, you should gradually move more of your investments from stocks into bonds. The reasoning seems straightforward. Stocks can experience significant market...

Wooden blocks with business icons representing tax-efficient employee benefits, retirement plans, and financial planning for small businesses

12 Oct Fringe Benefits: Creative Ways to Compensate Employees Tax-Efficiently

Posted at 11:25h in Financial Planning, Nova Wealth Management News & Updates, What a Financial Planner Can Do for You by Amy Novakovich 0 Comments

Unlocking Value for Your Employees and Your Business For small business owners in Southwest Florida, attracting and retaining top talent requires more than just a competitive salary. Creative compensation packages, particularly those designed with tax efficiency in mind, can set your business apart—while also supporting your...

Investor reviewing portfolio gains and losses as part of a year-end tax-loss harvesting strategy

09 Oct Tax-Loss Harvesting: What to Consider Before Year-End

Posted at 11:53h in Brokerage Account, Retirement Tax Planning, What a Financial Planner Can Do for You by Beth Nova 0 Comments

Tax-Loss Harvesting Before Year-End: What Investors Should Consider for 2026 and 2027 As the end of 2026 approaches, investors may be focused on holiday plans, year-end expenses, and preparing for the new year. But this can also be an important time to review your investment portfolio...

Piggy bank beside a retirement savings calculation representing retirement budgeting in Southwest Florida

08 Oct Budgeting in Retirement: A Practical Guide for Florida Retirees

Posted at 08:13h in 401(k), Brokerage Account, Cash Management Account, Money Market Account, Nova Wealth Management News & Updates, Retirement Income Planning, Roth IRA, Traditional IRA by Amy Novakovich 0 Comments

Why Retirement Budgeting Deserves Special Attention in Southwest Florida Retirement is a time to enjoy the rewards of your hard work, but it also comes with new financial challenges—especially for those living in beautiful Southwest Florida. From Bonita Springs to Naples, Estero, and Fort Myers, local...

Family discussing an estate plan and inheritance decisions to help prevent future family conflict

06 Oct Estate Planning and Family Conflict: How to Plan Ahead

Posted at 11:32h in Financial Planning, Legacy Estate Planning by Beth Nova 0 Comments

How to Build an Estate Plan That Helps Prevent Family Conflict Estate planning is often discussed in terms of wills, trusts, beneficiary designations, and taxes. But there is another part of the plan that can be just as important: how your decisions may affect the people...

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🏥 WHAT IF YOU NEVER NEED LONG-TERM CARE INSURANCE?

It`s one of the biggest questions surrounding long-term care planning.

You want protection if you need care.

But what happens if you never use the coverage?

💡 Hybrid long-term care insurance may offer another approach.

These policies combine long-term care benefits with certain life insurance or annuity features.

Depending on the policy:

✅ Qualifying long-term care expenses may be covered.

✅ A death benefit or other policy value may remain.

✅ Some premium structures offer greater predictability.

But not every policy works the same way, and hybrid coverage isn`t appropriate for everyone.

The goal is to understand your options before you need them.

📖 Learn more in our latest blog!

🔗 Link in bio.

#LongTermCareInsurance #HybridLTC #RetirementPlanning #FinancialPlanning #EstatePlanning #SouthwestFlorida #BonitaSprings #NaplesFlorida #NovaWealthManagement

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Oct 21

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🏥 WHAT IF YOU NEVER NEED LONG-TERM CARE INSURANCE?

It's one of the biggest questions surrounding long-term care planning.

You want protection if you need care.

But what happens if you never use the coverage?

💡 Hybrid long-term care insurance may offer another approach.

These policies combine long-term care benefits with certain life insurance or annuity features.

Depending on the policy:

✅ Qualifying long-term care expenses may be covered.

✅ A death benefit or other policy value may remain.

✅ Some premium structures offer greater predictability.

But not every policy works the same way, and hybrid coverage isn't appropriate for everyone.

The goal is to understand your options before you need them.

📖 Learn more in our latest blog!

🔗 Link in bio.

#LongTermCareInsurance #HybridLTC #RetirementPlanning #FinancialPlanning #EstatePlanning #SouthwestFlorida #BonitaSprings #NaplesFlorida #NovaWealthManagement

🚨 YOUR TAX BRACKET MAY NOT BE WHAT YOU THINK!

Well…at least not the whole story!

You might be in the 22% federal income tax bracket.

But that doesn`t necessarily mean your next financial decision will have a 22% overall impact.

Here`s why:

💰 IRA withdrawals can increase taxable income.

🔄 Roth conversions may affect other tax calculations.

🏥 Additional income could increase future Medicare premiums.

📊 Social Security taxation may also be affected.

Your tax bracket is only ONE piece of your retirement financial picture.

Before making a significant retirement income decision, consider how it could affect your overall financial plan.

📖 Learn more in our latest blog!

🔗 Link in bio.

#RetirementPlanning #RetirementTaxes #RothConversions #MedicareIRMAA #FinancialPlanning #SouthwestFlorida #NovaWealthManagement

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Oct 20

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🚨 YOUR TAX BRACKET MAY NOT BE WHAT YOU THINK!

Well...at least not the whole story!

You might be in the 22% federal income tax bracket.

But that doesn't necessarily mean your next financial decision will have a 22% overall impact.

Here's why:

💰 IRA withdrawals can increase taxable income.

🔄 Roth conversions may affect other tax calculations.

🏥 Additional income could increase future Medicare premiums.

📊 Social Security taxation may also be affected.

Your tax bracket is only ONE piece of your retirement financial picture.

Before making a significant retirement income decision, consider how it could affect your overall financial plan.

📖 Learn more in our latest blog!

🔗 Link in bio.

#RetirementPlanning #RetirementTaxes #RothConversions #MedicareIRMAA #FinancialPlanning #SouthwestFlorida #NovaWealthManagement

💍 MARRIED? YOUR SOCIAL SECURITY DECISIONS ARE CONNECTED!

You may have two different earnings histories…

Two different benefit amounts…

And two different retirement dates.

But you share ONE retirement plan! ❤️

Before claiming Social Security, married couples should understand:

💰 Spousal benefits

📅 Claiming age decisions

❤️ Survivor benefits

📊 How benefits fit into household retirement income

One spouse`s claiming decision can affect the benefits available to the other.

Retirement planning is about more than choosing your own Social Security start date.

📖 Learn more in our latest blog!

🔗 Link in bio.

#SocialSecurityBenefits #RetirementPlanning #MarriedCouples #FinancialPlanning #SouthwestFlorida #NovaWealthManagement

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Oct 16

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October 2026

21 Oct Long-Term Care Insurance Hybrid Policies: When a Combined Approach Works

20 Oct Your Tax Bracket: What Retirees Should Know

15 Oct Loss Aversion: Why Selling at a Loss Feels Worse Than Missing a Gain

13 Oct Stocks vs. Bonds in Retirement: Does Age Matter?

12 Oct Fringe Benefits: Creative Ways to Compensate Employees Tax-Efficiently

09 Oct Tax-Loss Harvesting: What to Consider Before Year-End

08 Oct Budgeting in Retirement: A Practical Guide for Florida Retirees

06 Oct Estate Planning and Family Conflict: How to Plan Ahead

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Start the conversation

Take the First Step

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Our Locations

Bonita Springs, FL

24311 Walden Center Dr Ste 200,
Bonita Springs, FL 34134

Naples, FL

780 5th Ave S, Suite 200,
Naples, FL 34102

Dallas, TX

5956 Sherry Ln 20th Floor,
Dallas, TX 75225

(239) 444-1794

888.908.6052

info@novawealthmanagement.com

October 2026

21 Oct Long-Term Care Insurance Hybrid Policies: When a Combined Approach Works

20 Oct Your Tax Bracket: What Retirees Should Know

16 Oct Social Security Deeming Rules: What Married Couples Need to Know

15 Oct Loss Aversion: Why Selling at a Loss Feels Worse Than Missing a Gain

14 Oct Social Security Earnings Test: Working in Retirement Without Penalty

13 Oct Stocks vs. Bonds in Retirement: Does Age Matter?

12 Oct Fringe Benefits: Creative Ways to Compensate Employees Tax-Efficiently

09 Oct Tax-Loss Harvesting: What to Consider Before Year-End

08 Oct Budgeting in Retirement: A Practical Guide for Florida Retirees

06 Oct Estate Planning and Family Conflict: How to Plan Ahead

Start the conversation

Start the conversation

Take the First Step

nova_wealth_management

Our Locations

Bonita Springs, FL

24311 Walden Center Dr Ste 200, Bonita Springs, FL 34134

Naples, FL

780 5th Ave S, Suite 200, Naples, FL 34102

Dallas, TX

5956 Sherry Ln 20th Floor, Dallas, TX 75225

(239) 444-1794

888.908.6052

info@novawealthmanagement.com

24311 Walden Center Dr Ste 200,
Bonita Springs, FL 34134

780 5th Ave S, Suite 200,
Naples, FL 34102

5956 Sherry Ln 20th Floor,
Dallas, TX 75225