Carlos Dias Jr.

Personal Finance, Retirement, Lifestage Based Planning
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“Carlos’ brand of wealth management encompasses every aspect of his clients’ financial life. He offering strategic financial planning services to high-net-worth individuals, business owners, executives, retirees, and professional athletes.”
Firm:

Excel Tax & Wealth Group

Job Title:

Founder, Wealth Manager and Financial Planner

Biography:

Carlos Dias Jr. began his career in the financial industry in 2004. He is the Founder and Principal of Excel Tax & Wealth Group, an advisory firm offering strategic financial planning services to high-net-worth individuals, business owners, executives, and retirees. He also services MVP Wealth Management Group, which addresses the unique concerns of professional athletes and entertainers.

Carlos excels at tailoring his advice to individual clients’ needs. He maintains a highly personal approach by accounting for the distinct needs that his clients have at different points in their financial lives. He is passionate about finding the right solutions and investment plans to reflect different investment philosophies.

One of Carlos’s areas of expertise is tax liability. He confers with accountants from across the U.S. to keep pace with changing tax laws and strategies, which allows him to offer differentiated advice to his clients. He is particularly adept at suggesting strategies that will help his clients lower their taxes.

Currently, Carlos is a Contributor for Forbes, MarketWatch, Kiplinger, The Huffington Post, TheStreet and MainStreet, has been featured in Fortune, The Wall Street Journal, The Christian Science Monitor, MSN Money, CBS Local 6 News, and WealthManagement.com, and has been quoted in Bloomberg, U.S. News & World Report, USA Today, CNBC, Inc., The Seattle Times, Business Insider, The Motley Fool, and GoBankingRates.

Carlos is fluent in Portuguese and Spanish.

Education:

Associate of Arts, Business Administration, Daytona State College
Bachelor of Arts, Business Administration, University of Florida

Fee Structure:

Hourly
Fixed
Asset-Based
Fee-Based

CRD Number:

5315390

Insurance License:

#E181443

Disclaimer:

Nothing contained in this publication is intended to constitute legal, tax, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The general information contained in this publication should not be acted upon without obtaining specific legal, tax, and investment advice from a licensed professional.

Videos
  • CBS Local 6 News "Many unprepared for the needs of aging parents" (December 10, 2013)
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July 2016
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April 2017
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5 days ago

All Answers
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    Social Security, Taxes
How do you determine taxable income while receiving social security?
100% of people found this answer helpful

Yes, depending on your provisional income. If you are in a low or 0% tax bracket, then you will not pay taxes on your Social Security. Also, there are differences if you are single or married.

If your provisional income is between $25,000 and $34,000 as a single individual, or $32,000 and $44,000 as a married couple, up to 50% of your benefits will be taxed.

Provisional income is calculated as follows:

  • All of your other income (excluding Social Security) + 50% of your Social Security benefit

As a reference, Publication 915 and the worksheet will determine if any of the Social Security benefits are taxable or not.

Note: All of your other income includes salary, wages, withdrawals from an IRA or 401(k), tax-free interest from municipal bonds, etc.

If you have any further questions, I'd be happy to help.

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