Wagner Realty

Retirement

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June
28

Stay Active in Bradenton

Our area is also a great place for retirees to get active and stay active!

If you haven't tried the SilverSneakers app, we highly recommend it. It's a perfect way to motivate yourself and also to find great fitness locations no matter where in the country you may be. Our real estate agents are particularly fond of these SilverSneakers locations in Sarasota and Bradenton:

Click Here to Read More...

December
21

Sarasota Retirement Years

If you have been considering selling your current home before purchasing the home where you'll retire, this year presents an excellent opportunity to take the next step. Single-family homes are in high demand, making it easy to find a buyer, and interest rates are low if you're planning to finance your next home. Our real estate agents have more details on why this is a great time to shop and how to find the right home for your retirement years.

  1. Not Quite Ready to Retire? It's Still Smart to Be Prepared
    Even if you don't plan to retire for a few more years, it's wise to plan. If you need financing, it may be easier to secure a mortgage while you're still working. Shopping for your retirement home now also gives you more time to prepare, visit communities, and ensure that you choose a home that you'll love.

  2. Consider the Amenities and Necessities You'll Need Now and in the Future
    Choosing the perfect home to enjoy your retirement depends on your needs now, as well as what you'll need in the future. Ensure that any neighborhood and home you choose has the accessibility necessary for you to enjoy your retirement and that the services you may need in the future will be close to home.

  3. Visit Communities You Might Like to Call Home
    If you're planning to purchase a home in a community you've traveled to in the past, be sure to schedule a visit to help decide if you would like to live there long-term. Spending some time around the sun and sand near Sarasota homes for sale and Bradenton homes for sale makes for a fun vacation while also allowing you to learn more about a community you might choose to call home. Plus, our inventory of rentals are excellent options for you to learn what area you like best! Choose between annual options or 6-month rentals. 

  4. Make a List of Priorities to Help You Shop
    For many people, moving to live closer to family members and friends is a strong motivator when shopping for a home for retirement. Understanding what's most important to you will help you narrow your options. Make a list of your priorities, starting with the most important factors, and use it to aid your home search.

  5. Work Out Your Retirement Budget to Understand Your Purchasing Power
    Remember that your budget is likely to be different in retirement than it was while working, and plan for the future accordingly. If you haven't done so yet, lay out your budget for retirement so that you know exactly how much home you can afford while still leaving the funds you need to enjoy your retirement years.

  6. Take Advantage of an Appealing Real Estate Market
    If you've been waiting for an advantageous real estate market to sell your current home before buying your retirement home, now is an excellent time to strike while the iron is hot. The high demand for single-family homes means that you may be able to sell at a premium, which will leave you with more money to pursue your perfect home for your retirement years.

  7. Get a Knowledgeable Agent 
    Getting help from a knowledgeable real estate agent is always recommended and can truly give you peace of mind as you prepare for retirement.

Searching for a home near the sand and sun where you can enjoy retirement to the fullest? Contact us to buy and sell homes throughout Florida's Manatee and Sarasota Counties.

March
6

Retirees in Florida

Living in Florida offers some amazing benefits during your retirement years – sun, sand, and surf, but for people ready to embark on retirement, there's something that could be even better:

Amazing tax benefits.

Our REALTORS® know many different factors go into deciding where to call "home." When you're ready to retire, you have more options than you've ever had before. The Sunshine State is unparalleled when it comes to helping older residents get more from their retirement budget by making tax benefits as easy as can be. Let's look at some benefits that are just as attractive as the warm weather:

  1. No State Income Tax
    Many retirees continue to work part time. In many places, state income tax will take anywhere from 6% to 10% of your money every year. Not so for Florida, which is one of the few states with no state income tax. Only seven U.S. states have no income tax, and out of all of them, Florida has some of the best "quality of life" factors – especially for seniors.
  2. Low Average Sales Taxes
    Tax revenue needs to come from somewhere. Sales tax is where Florida makes up on its absence of income tax, but the state rate is just 6%, middle of the road for sales tax. Relatively few towns and cities in Florida impose any additional sales tax (although some go as high as 2.5%), and there are opportunities to make tax-exempt purchases throughout the year.
  3. Social Security is Tax Exempt
    Not only is Social Security income tax exempt in Florida, but it also will not take a cut from any of your retirement income. That includes savings and investment vehicles like the Individual Retirement Accounts (IRA), private or public pension funds and 401(k) accounts. Florida is one of 37 states that does not tax Social Security, but only a handful don't tax any retirement income.
  4. Affordable Cost of Living
    There are condos and smaller homes located nearby those refreshing sea breezes. The overall cost of living, including your groceries and other essentials, is middle of the road compared to the whole country.
  5. Extra Exemptions Aplenty
    There are plenty of other exemptions retirees may be able to enjoy, although some do require you to be a Florida resident for an extended time. The crown jewel of Florida taxes is the Homestead Exemption, which allows elders who've resided in Florida for several years to claim an additional exemption up to $50,000 from certain towns, cities, and counties.

Many home buyers discover Florida is the perfect place to retire. Whether you're looking at Bradenton homes for sale or further south at Sarasota homes for sale, the weather is mild, daily living costs are modest, and world-class amenities provide for an excellent quality of life. Many seniors put off downsizing or making the "big move" because it seems like such a hassle, but our agents have the years of experience and unbeatable customer service that can help you live the lifestyle of your dreams. To find out more, contact us today.

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