Articles & guides
Plain-English guides to tax, ACA, life insurance, Medicare, notary services — and the financial questions South Florida families actually ask.
The enhanced premium tax credits expired at the end of 2025, and the average subsidized ACA premium is set to more than double in 2026. Here's what changed, why Florida is hit hardest, and the concrete steps that can still lower your bill.
Read article
Earn income in the U.S. but can't get a Social Security number? An ITIN lets you file — and often claim refunds and credits worth thousands. Here's who needs one, which credits an ITIN does and doesn't unlock in 2026, and how mixed-status families file safely.
Read article
A missing notary stamp can stop a home sale, a power of attorney, or a document headed overseas. Here's what actually needs notarizing in Florida, what it legally costs in 2026, and how mobile and remote online notarization get it done without rearranging your day.
Read article
Most South Florida families have no life insurance or quietly suspect they don't have enough — usually because of a price they imagine that's nothing like reality. Here's how much coverage you need, what term, whole, and final-expense policies really cost in 2026, and the mistakes that leave families exposed.
Read article
Plywood and water are only half of hurricane prep. The other half is paperwork — the policies, documents, and decisions that determine how fast your family recovers after the storm.
Read article
A plain-English 2026 tax playbook for South Florida's self-employed — the 15.3% SE tax, the new $16,100 standard deduction, the 72.5¢ mileage rate, quarterly estimated payments, ITIN filing, and how to stop overpaying penalties.
Read article
January 2026 brought the biggest shake-up to American health coverage in a generation — a $2,100 Medicare Part D out-of-pocket cap, the first ten Medicare-negotiated drug prices, and the expiration of enhanced ACA subsidies. Here's what every South Florida family should know.
Read article