#portcharlotte

[diamondgulfconstruction]

Diamond Gulf Construction: Building Quality Homes in Port Charlotte for Your Dream Lifestyle

Diamond Gulf Construction is a reputable home building company in Port Charlotte, dedicated to crafting exceptional quality homes in Port Charlotte that surpass expectations. With a commitment to excellence, innovative designs, and superior craftsmanship, Diamond Gulf Construction brings your vision to life, creating homes that offer comfort, style, and a perfect blend of functionality. Discover the epitome of quality living in Port Charlotte with Diamond Gulf Construction's expertly crafted homes.

[lowbarproductions]

My early evening dram. Loving this SC:01. The Sauternes cask balances the peat beautifully. #bruichladdich #portcharlotte #scotch #whisky #whiskey #instadram https://www.instagram.com/p/CqwPMqbPFlQ/?igshid=NGJjMDIxMWI=

[pizzolatolawfl-blog]

🐶 😺 WHY IS PET PLANNING IMPORTANT?

pizzolatowlaw

🐶 😺 WHY IS PET PLANNING IMPORTANT? 🐶 😺 What is involved in creating a plan for your pet? How can a Southwest Florida pet planning lawyer help you? 🐶 😺 Pets are members of the family, and they must be considered when planning for the future. If you are concerned about who will care for your pet if you get sick or pass away, as most pet parents are, it is imperative you speak with an attorney who can help you to use all available legal tools to protect your animal companion.

🐶 😺Call: (239) 225-7911

[teamcrafty]

Mythical Beasts – Port Charlotte 14 YO Single Cask Malt Whisky available now from our store. The Port Charlotte Lochindaal distillery on the Isle of Islay was originally founded in 1829 and after being in operation for just over 100 years was closed in 1929 This heavily peated single malt is now distilled a few miles away from the original distillery at Bruichladdich distillery. This is an elaborate and complex whisky with an interesting journey from nose to palate. Try it with some fresh summer berries or a creamy La Tur cheese. Only 150 bottles available. Key Facts About This Single Cask Whisky From: Port Charlotte / Bruichladdich Distillery Region: Islay Cask#: 3741 ABV: 57.8% Bottled: Natural colour without chill filtration Outturn: 150 bottles Size: 700ml Tasting notes by Lisa McWilliam (Spirits Writer, Great Taste Spirit Judge and Drinks Consultant) Colour: Light tawny golden tones. Nose: A delightfully complex nose featuring freshly cut hay vegetal with a delicate hint of soft peat and a finale of citrus burst. Palate: Immediate sweetness of honey and lavender with a light white chocolate tone. Gives way to gently smoked peat, followed by crushed black pepper. Finish: An elegant fruity finish, with a distinctive peppery close. • • • #craftyconnoisseur #mythicalbeastswhisky #portcharlotte #portcharlottewhisky #islay #islaywhisky #islaysinglemalt #singlemalt #singlemaltwhisky #whisky #whiskylover #whiskycollector #shoplocal #edinburghsmallbusiness #scotlandloveslocal (at Crafty Connoisseur) https://www.instagram.com/p/CouTG3JMUu7/?igshid=NGJjMDIxMWI=

[livingfree207]

Best Places To Live In Florida

[scotianostra]

Good Morning from Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿

7am this morning the sunrise was beautiful on #islsy

📸PortCharlotte on Instagram

[thebikerbookforcharity]

❤️❤️❤️

#portcharlotte #florida

@bertsblackwidow

“…Operation Solid 7 Dice Run on October 26th, starting and ending at Bert’s Black Widow Harley Davidson. We have fantastic raffle items, great stops, and lots of fun to be had for all! Proceeds will help fund Operation Solid 7 programs to help our veterans, active duty, first responders and Gold Star Families.”

#motorcycles #charity #charityevent #fundraiser #pokerrun #veterans #firstresponders #goldstarfamiles #motorcycle

[marcmadej]

Saturday gym run! #rsd55 #day55 #dailyrun #runstreak #3rdstreak #fvrj #foxvalleyrunjunkees #runjunkees #dedicatedtochad #rip #godspeed #blessed #harvestnewbeginnings #happyplace #newday #dailygrind #startover #dailyrunpic #newtrails #neverstop #refocused #believer Perfect run weather! #healthylifestyle #goodr #brooksrunning #notthmiami #florida #portcharlotte (at Port Charlotte Flordia) https://www.instagram.com/p/Cn8OWHeuQFc7B196DmJLmhbVOMmeSq6ofuPNHw0/?igshid=NGJjMDIxMWI=

[localizee]

We are a full-service residential and commercial roofing contractor serving SW Florida, that specializes in: Insurance Claims, Complete Roof Replacements, Real Estate Inspections, and Hard-to-Find roof leaks.

[thesaltnet]

Raise your standards, don't lower your expectations! 

You attract what you believe you deserve!

We stepped out in faith last month and spent the whole month in Florida doing donut drops / networking to businesses. If you are looking to grow your practice, business we would be humbled to speak with you about your marketing. We are looking to partner with like minded doctors and business owners to provide and educate consumers about their services, products and benefits to doing business with them.  

For more information or to set up a phone call/ meeting contact us direct at 678-964-4140 

[nickscleanandscreenllc]

View this post on Instagram

A post shared by Nick's Clean & Screen (@nickscleanandscreen)

Check out this nice custom front entryway we did last week! From custom front entryways to under truss lanais & complete rescreens! Give us a call today! Commercial, residential & hoa! We service all of #swfl #swflorida #southwestflorida Licensed, insured & experienced! We're your exterior experts! Www.nickscleanandscreen.com Www.swflcleanroof.com 239-645-2614 We specialize in #rescreens #pressurewashing #roofcleaning #paversealing #guttercleaning #dryerventcleaning & more! #capecoral #puntagorda #portcharlotte #northport #northfortmyers #matlacha #fortmyers #fortmyersbeach #ftmyers #ftmyersbeach #sanibel #estero #bonitabeach #bonitasprings #naplesflorida #marcoisland #realestate #realtor #swflrealtor #swflrealestate #hoa (at Cape Coral, Florida) https://www.instagram.com/p/CQc6YwtAW5j/?utm_medium=tumblr

[alissaandmatt1991]

[artbymanny]

A memorial tattoo for angels watching over us....🙏🏽🙏🏽 #tattoo #floridatattooartist #memorialtattoo #angelwings #forearmtattoo #wingstattoo #portrait #portraittattoo #jewels #941 #swfl #arcadia #sarasota #northport #portcharlotte #puntagorda #venice #kingpintattoosupply #fkirons @chillphil125 @fkirons @eternalink (at Big Daddys tattoo) https://www.instagram.com/p/COP8YjcBC0G/?igshid=12hrqlkyhtei0

[pizzolatolawfl-blog]

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

by nextAdmin1 | Feb 22, 2023 | Retirement Planning

Want to Leave Your Retirement Account to Your Minor Child?  Consider These Things First

Your retirement account may be one of the most valuable things you own. Many people consider naming their children as the beneficiaries of these accounts because they think it is a way of easily transferring their wealth if something happens to them. However, there are some factors that make this type of transfer more complicated than you may think, especially if your child is a minor.

Can a Minor Be Named Individually as a Beneficiary?

Yes, you can name your minor child as the beneficiary of your retirement account or as the contingent beneficiary who would receive it if the primary beneficiary you have named on the account dies before you pass away. However, if your child is a minor when you die and they inherit your retirement account, a court may have to appoint a guardian or conservator to handle any money distributed to the child from the account. This will take time and money, and the guardian or conservator the court chooses may not be the person you would have chosen. You can avoid this by proactively naming a conservator or guardian for your minor child in your will.

Under the Setting Every Community Up for Retirement Enhancement (SECURE) Act, most beneficiaries must receive an entire retirement account within ten years of the account owner’s death. However, minor children of an account owner fall into a special category of beneficiaries (called eligible designated beneficiaries or EDBs). Their mandatory ten-year payout period does not begin until they turn twenty-one, meaning the beneficiary must receive an entire inherited retirement account at age thirty-one. In the meantime, however, they are required to take required minimum distributions (RMDs), which will likely be held in a protected account overseen by their guardian or conservator, until they reach the age of majority in the state they live in (usually between the ages of eighteen and twenty-one). RMDs for these EDBs are based upon the child’s expected lifetime, and they must take them until the end of the calendar year that they turn thirty-one, at which time the retirement account must be fully distributed. It is important to note that the child will have to pay income taxes on any amounts distributed to them. This is usually favorable because the RMDs up until the year they turn thirty-one can be made in smaller amounts because of the long life expectancy of a minor and because they will likely be in a low tax bracket. However, the account must be emptied by the end of the calendar year in which the child turns thirty-one. Depending upon the size of the account, this could mean that the child will receive a large amount of taxable income at a relatively young age. In addition to the potential tax liability, one of the disadvantages of naming a minor child as the beneficiary of your account is that when they reach the age of majority (which could be as young as eighteen in your state), they will gain complete control of the funds and could choose to pull everything out of the retirement account right away, regardless of whether they are mature enough to handle that responsibility. 

Should You Name a Trust as a Beneficiary of the Retirement Account and Your Child as the Beneficiary of the Trust?

Another option is to create a trust for your child and to name the trust as the beneficiary of your retirement account. This option can work for see-through trusts that meet certain criteria under the law and allow the applicable beneficiaries of the trust to be treated as the beneficiary of your retirement account. There are two types of see-through trusts you can consider: conduit trusts and accumulation trusts.

Conduit Trust

A conduit trust requires all RMDs made from the retirement account to the trust to be distributed to the child (or used for the child’s benefit) as soon as the trust receives it. The trust will provide asset protection and tax deferral for the funds that remain in the actual retirement account. In addition, the terms of the trust can ensure that once the child reaches the age of majority in your state, they will not be able to simply withdraw the entire balance remaining in the retirement account all at once. The trustee can also have discretion to withdraw funds from the retirement account in addition to the RMDs, which would then be distributed to or for the benefit of the child, but these decisions about additional withdrawals will be made by the trustee, rather than the child. Although the remaining balance must still be fully distributed to the child by the end of the calendar year in which the child turns thirty-one, until that time, the conduit trust will provide asset protection, tax deferral, and additional time for your child to mature and learn how to handle the money responsibly before receiving a potentially large sum of money.

Accumulation Trust

An accumulation trust, unlike a conduit trust, provides the trustee with the discretion to decide whether to pay out the RMDs to the child (or for the child’s benefit) from the retirement account or to retain the funds in the trust. As a result, the full amount of the funds distributed from the retirement account to the trust can stay in the trust and can potentially be protected from claims made by outside creditors. An accumulation trust will enable you to ensure that the funds are not distributed to your child sooner than necessary or desired and that the child does not gain access to the entire amount in your retirement account as young as eighteen. However, the funds must still be fully withdrawn from the retirement account by the end of the calendar year in which your child turns thirty-one. Any funds retained by the trust instead of distributed to your child will be taxed at the much higher tax rates applicable to trusts rather than the lower rate that is likely to be applicable to your child.

We Can Help

There are pros and cons for each option, and the one that is best for you and your child will depend on your unique circumstances and goals. We can help you think through whether asset protection, tax minimization, or another goal should be your priority. If you already have made your minor child a beneficiary of your retirement account or have set up a trust as the beneficiary of your retirement plan for the benefit of your children, it is important to review and update your beneficiary designations and your trust if needed. Some recent changes in the rules that govern these important accounts will have a big impact on when the funds must be distributed—and may necessitate a change in your plan. Please call us to schedule an appointment so we can help you think through the best plan for your retirement accounts, as well as any other estate planning concerns.

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[greatdrams]

ANOTHER MILESTONE HIT AS B CORP CERTIFIED BRUICHLADDICH URGES THEIR SHOPPERS TO GO ‘ONE TIN LIGHTER’ https://greatdrams.com/another-milestone-hit-as-b-corp-certified-bruichladdich-urges-their-shoppers-to-go-one-tin-lighter/

ANOTHER MILESTONE HIT AS B CORP CERTIFIED BRUICHLADDICH URGES THEIR SHOPPERS TO GO ‘ONE TIN LIGHTER’

Single malt whisky, now with no tin? Bruichladdich, Port Charlotte and Octomore single malts, made at Bruichladdich Distillery on Islay, are known for their modern packaging design and convention challenging spirits.

[trunorthchiro]

Today more than ever our audiences have shorter attention spans and need to make the most of their time. Blogs are great when they need more information with stats and case studies but video is shorter and to the point. Potential patients want to know about you and your staff before coming into the office for that first visit. With video you can walk them through the office experience of your practice and provide them with your values and mission to better health through chiropractic care. Let them see your passion and get to know you making that personal connection before ever stepping into your office. That is what the power of video can do. Contact us today and lets put a video strategy together for your practice. Tru North Chiro Marketing & Consulting 678 964 4140 Helping educate about the benefits of chiropractic healthcare