Planning for the 3.8% Medicare Surtax

Published Shoreline Financial Articles

By GARDNER SHERRILL |Investor’s Column

October 29, 2013

Planning for the 3.8% Medicare Surtax

As “Obamacare” or the Affordable Care Act of 2010 is well underway this month it is a good time to address the tax aspects that are funding a portion of the new law. October is also a good time to review your tax planning before year-end and take advantage of opportunities to defer or eliminate unnecessary taxes. Continue reading

7 Financial Risks


There are 7 basic financial risks that many people face in their lives.

1) Dying too early can create economic problems for your survivors and beneficiaries as they may depend on your sources of income to make ends meet.

2) Incapacity & Disability are an often overlooked area which can devastate wealth whether by loss of income and / or by liquidation of assets to pay for healthcare costs.

3) Living too Long places a burden on your portfolio assets especially if you no longer work. If your portfolio assets can’t grow at the rate of inflation and produce your income needs you will start to deplete your wealth. Healthcare care costs can continue to climb and put pressure on your reserves.

4) Portfolio Risk (too much or too little) can damage a portfolio’s ability to recover and cause at best a reduction in lifestyle and at worst a complete loss of assets.

5) Legal Entanglements can be created by death, divorce, creditors, litigation and the like.

6) Improper Tax Planning whether it be by bad advice or lack of advice can cause you to overpay and in some cases be penalized for not making proper elections.

7) Opportunity Cost of managing each of the above risks in silos can cause various plans to work at best innefficently and at worst at cross purposes to each other. Coordinated financial planning can help establish priorities and goals and help ensure that all collaborators are singing from the same sheet of music.

New Wealth Management firm opens in Bradenton

August 30, 2012

New Wealth Management firm opens in Bradenton

Bradenton, Fl – Gardner Sherrill, MBA, CFP® a longtime local resident of Bradenton and Wealth Advisor has partnered with LPL Financial, the nation’s leading independent broker-dealer firm*, to open a local Concierge Financial Services firm. Gardner has practiced financial planning for the past 17 years, most recently with Wells Fargo and Northern Trust. Continue reading

Gulf Coast Leadership Graduation

August 12, 2011

Gulf Coast News

Congratulations to the 24 aspiring and inspiring leaders from across our region who completed our Gulf Coast Leadership Institute. The tight-knit group finished the three-month leadership-development program and celebrated their graduation on July 29 at Venetian Golf and River Club in North Venice.

Gulf Coast President and CEO Teri A Hansen said of the group, “With the important issues in our region needing civil discourse and all sides to be heard, Gulf Coast applauds these leaders as they reach out into the community to make a positive difference.”

Here is the 2011 class of Gulf Coast Leadership Institute: Continue reading