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Carlos Dias Jr.

Personal Finance, Retirement, Insurance
“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.”

Excel Tax & Wealth Group

Job Title:

Founder, Wealth Manager and Financial Planner


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.


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

Fee Structure:


CRD Number:


Insurance License:



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.

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July 2016
    Estate Planning, Financial Planning, Lifestage Based Planning, Personal Finance, Retirement, Taxes
April 2017
    Retirement, Retirement Living, Retirement Plans, Retirement Savings, Taxes
June 2016
    Annuities, Retirement Living
August 2017
April 2018

All Answers
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    Retirement Savings, Retirement Plans
What is the difference between qualified and non-qualified plans?
86% of people found this answer helpful

Qualified - before tax (or pre-tax) money, which includes, but not limited to, the following retirement plans:

  • 401(k)s;
  • 403(b)s;
  • Thrift Savings Plans (TSPs);
  • Simplified Employee Pensions (SEPs);
  • Traditional IRAs;
  • Savings Incentive Match Plans for Employees (SIMPLE) IRAs;
  • Salary Reduction Simplified Employee Pensions (SARSEPs); and
  • Profit sharing.

With a qualified plan, you receive an upfront tax deduction (or reduction) now but will have to pay taxes on the entire amount in the future (or when you begin withdrawing). Required Minimum Distributions (RMDs) will be due by age 70 ½ at the latest (you can begin withdrawing by age 59 ½ without incurring a 10% penalty).

Non-Qualified - after-tax money, which includes, but not limited to, the following:

  • Certificates of Deposits (CDs);
  • Annuities;
  • Mutual Funds;
  • Money Markets; and
  • Savings.

With a non-qualified plan, there are no deductions, but the principal is never taxed twice. Instead, the interest is taxed once withdrawn. Also, there are no RMDs on nonqualified plans. 

Note: Although 457 plans are called nonqualified, they are technically tax-advantaged deferred compensation plans, which are similar to a qualified plan, such as a 401(k) or IRA.

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

October 2016
    Taxes, Insurance
How are life insurance proceeds taxed?
82% of people found this answer helpful
June 2016
    Retirement Savings, Annuities
What are the distribution options for an inherited annuity?
76% of people found this answer helpful
June 2016
If I make the maximum contribution to my Roth IRA, can I contribute to my SEP-IRA?
73% of people found this answer helpful
January 2016
    Retirement, Retirement Savings, Annuities
Can I pay my RMD with money outside of my retirement account?
73% of people found this answer helpful
June 2016