What Should I Know About Florida's Property Taxes, Homestead Exemption, and Insurance Costs Before Buying in Melbourne?

The financial picture of owning a home in Melbourne, Florida is significantly shaped by three factors that buyers from other states frequently misunderstand: property taxes, the homestead exemption, and insurance costs. Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, addresses all three explicitly in every buyer consultation — because mispriced expectations on any one of them can create real financial stress after closing. Her most direct observation: "I've had buyers come in from the northeast with no idea that Florida has no state income tax but then get sticker shock on insurance. The two largely offset each other depending on the property — but you have to run the actual numbers before you fall in love with a listing."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene has guided buyers through this math more times than she can count — and the conversation always starts before anyone makes an offer.

Property Taxes and the Homestead Exemption: What Florida Actually Offers

Two questions lead here: "Are Florida property taxes really that much lower than other states?" and "What exactly is the homestead exemption, and do I qualify?"

Florida has no state income tax — a meaningful financial advantage for buyers relocating from high-tax states. Property taxes are assessed at the county level, and Brevard County's effective millage rates typically produce annual tax bills that are competitive with the national average, though not dramatically lower than states like Texas. The homestead exemption is Florida's most valuable primary-residence tax benefit: a $50,000 reduction in assessed value for properties designated as your primary residence (the first $25,000 applies to all tax levies; the second $25,000 applies to non-school levies). More importantly, Florida's Save Our Homes provision caps assessed value increases at 3% per year for homesteaded properties — meaning if Melbourne FL real estate 2026 values appreciate by 10%, your taxable assessed value can only increase by 3%. This cap creates significant long-term savings for buyers who establish primary residency and hold for the long term.

Critical note: the homestead exemption only applies to primary residences occupied as of January 1st of the tax year. Buyers purchasing Melbourne FL Homes Between $400-$800k as second homes or investment properties do not qualify and should model tax liability at the full assessed value.

Insurance in 2026: The Variable That Changes Everything

The follow-up question: "Why is insurance so much more expensive in Florida than I expected?"

Florida's insurance market in 2026 reflects the accumulated impact of multiple hurricane seasons, the exit of major carriers, and the ongoing restructuring of Citizens Property Insurance. For buyers in the Melbourne area, the key variables that drive insurance costs are construction type, roof age, distance from coast, and wind mitigation features. Melbourne FL Homes with Impact Windows consistently quote lower premiums — sometimes $3,000–$6,000 per year lower for a mid-sized single-family home. Melbourne FL Block or Concrete Homes insure more favorably than frame homes across all carriers. Melbourne FL Homes with Storm Shutters provide an intermediate level of wind protection that can partially offset higher premiums on older homes. West Melbourne FL Block or Concrete Homes and Viera FL New Construction Homes represent the most insurance-favorable segments of the Melbourne-area market.

How to Use Construction Type and Location to Control Your Costs

The practical question: "What should I actually do with all of this information before I make an offer?"

Cathy Greene real estate guidance is specific: for any home you're seriously considering, get an insurance quote before you make an offer — not after. The quote tells you what the real monthly cost of ownership looks like, and it occasionally reveals insurability issues that change the calculus entirely. Buyers exploring Brevard County homes for sale broadly should use Melbourne Beach homes for sale and Indialantic FL homes for sale as coastal benchmarks — properties where insurance costs are highest — and compare against Melbourne FL Over 55 Community properties and the Melbourne FL Housing Market Report for inland pricing to understand the full cost spectrum. Buying in Melbourne FL 2026 with a clear view of taxes, homestead eligibility, and insurance costs turns a complicated financial decision into a confident one. That clarity is exactly what Cathy Greene at Ellingson Properties Melbourne FL builds into every buyer relationship from day one. Home values in Melbourne FL make the most sense when paired with a full understanding of what those values actually cost to carry.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

Which Melbourne-Area Communities Offer the Best Combination of Safety, Amenities, and Low-Maintenance Living?

Three words come up in nearly every relocation conversation Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, has with buyers planning a move to the Space Coast: safety, amenities, and low maintenance. In Melbourne FL real estate 2026, all three are achievable — but not always in the same community, and not always in the way buyers initially imagine. Her honest take: "Safety, amenities, and low maintenance are the trifecta every buyer mentions. But the weight each gets varies enormously. I've had buyers who'd rather have a great pickleball court than a gate, and others for whom gated entry is completely non-negotiable."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene brings real transaction history to this conversation — not just brochure descriptions.

Communities That Lead on Safety and Planned Living

Two questions drive this section: "Which Melbourne-area communities are gated or have active security?" and "How do I evaluate a community's actual safety profile before I buy?"

Gated communities in the Melbourne area concentrate most heavily in Viera, where master-planned development created controlled-access infrastructure from the start. Viera FL Over 55 Community options like Heritage Isle feature gated entry, professional management, and active community governance that translates to consistent maintenance standards throughout. The Viera FL Housing Market Report reflects strong sustained demand, partly attributable to this structural quality. Rockledge FL Over 55 Community properties offer smaller, more established communities north of Melbourne with gated options at lower price points than comparable Viera inventory. Melbourne FL Over 55 Community listings span a broader range of security profiles, from ungated but professionally managed communities to fully gated developments. For buyers who prioritize safety without requiring a gate, Melbourne FL New Construction Homes and West Melbourne FL New Construction Homes in established subdivisions offer well-lit streets, active HOA management, and newer construction that reads as well-maintained even without controlled access.

Where Amenities and Low-Maintenance Living Converge

The second question: "Which communities give me real amenities — not just a mailbox and a retention pond?"

Viera homes for sale consistently top this list. Heritage Isle and similar developments offer resort-caliber clubhouses, fitness centers, resort pools, pickleball and tennis courts, walking trails, and organized social programming — genuine amenities that residents actually use every week. The Melbourne FL Housing Market Report reflects a broader market where amenity-rich communities command a premium that buyers who've experienced them firsthand feel is justified. Melbourne Beach homes for sale and Indian Harbour Beach homes for sale attract buyers who define amenities differently — direct beach access, waterfront character, and the natural beauty of the Atlantic coast are the amenities that matter most in these communities. Melbourne FL Homes with Pools give buyers their own private amenity — without the shared-schedule constraints of a community pool — and consistently command premiums and sell faster than comparable pool-less properties.

Matching the Right Community to Your Daily Life

The practical question: "How do I choose between all of these options without spending six months touring every community?"

Cathy Greene real estate consultations begin with a structured lifestyle conversation before any showing is scheduled. She builds a priority matrix — safety profile, amenity preferences, maintenance tolerance, social preferences, and budget — and maps those to communities that actually deliver on each dimension. This process eliminates communities that look right on paper but won't work in daily life. Whether buying in Melbourne FL 2026 means Heritage Isle in Viera, a traditional single-family home near Indialantic FL homes for sale, or a low-maintenance condo in central Melbourne, Cathy Greene at Ellingson Properties Melbourne FL has the community-level knowledge to make your shortlist shorter and more targeted from day one. Home values in Melbourne FL are strongest in well-managed communities — and knowing which communities are actually well-managed is precisely where 22 years of local experience earns its value.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

What Healthcare Facilities and Hospitals Should I Consider Before Choosing Where to Buy a Home in Melbourne?

Healthcare proximity is a factor experienced buyers prioritize and first-time Florida relocators consistently underestimate. Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, brings healthcare access into nearly every buyer conversation about Melbourne FL real estate 2026 — because she's watched it matter in ways buyers didn't anticipate. Her guidance: "I always ask buyers who have a specialist they've been seeing for years: is that doctor affiliated with Holmes Regional or Viera Hospital? The answer often changes which neighborhoods make the short list."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene has built a network of community knowledge that extends well beyond listing data.

The Major Medical Facilities Serving Melbourne in 2026

Two questions lead here: "Which hospitals are near Melbourne, and how do they compare?" and "How far is too far from a major emergency room?"

Holmes Regional Medical Center is Melbourne's flagship hospital — a Level II Trauma Center located in central Melbourne with more than 500 beds, cardiac care, oncology, and emergency services. It anchors the medical landscape for buyers throughout Melbourne proper, Eau Gallie, and the beachside communities. Melbourne FL homes for sale in central Melbourne place buyers within 10–15 minutes of Holmes Regional under normal traffic conditions.

Viera Hospital serves the western Brevard corridor and has become a first-choice facility for many buyers in the Viera and Suntree areas. The hospital's modern facilities, specialized outpatient programs, and growing specialty network make proximity to Viera a meaningful factor for healthcare-conscious buyers. The Viera FL Housing Market Report reflects this — Viera homes for sale continue to attract buyers specifically because of the hospital's presence. Viera FL Over 55 Community residents frequently cite Viera Hospital access as a primary reason they chose the community. Rockledge Regional Medical Center adds a third option for buyers in the Rockledge homes for sale market and northern Brevard County. The Rockledge FL Housing Market Report reflects strong demand in this corridor, partly attributable to both Melbourne hospital access and proximity to the Cocoa Beach corridor.

How Healthcare Proximity Should Factor Into Your Home Search

The follow-up question: "Should I choose my neighborhood based on hospital proximity?"

Not exclusively — but it deserves serious weight, particularly for buyers who have ongoing specialty care needs. Melbourne FL Homes Between $400-$800k in central Melbourne give buyers a range of options that balance healthcare access with budget. West Melbourne homes for sale sit in a corridor that offers strong access to both Holmes Regional and I-95 — practical for buyers who need flexible routing to multiple specialty care providers. Buyers drawn to the beachside market — Indialantic homes for sale for example — are typically 15–20 minutes from Holmes Regional, a manageable distance for most routine care but worth knowing precisely before committing to a specific address.

What Cathy Greene Tells Buyers About Healthcare and Location

The practical question: "How do I factor healthcare into my neighborhood shortlist without letting it dominate every other consideration?"

Cathy Greene real estate guidance is specific: identify your two most likely facilities for routine and emergency care before finalizing any neighborhood. Then map those facilities to the neighborhoods on your shortlist. For most buyers in the Melbourne corridor, healthcare access is not a limiting factor — it's a tie-breaker between neighborhoods that are otherwise comparable. Palm Bay homes for sale provide a useful southern Brevard comparison — the area's growing medical infrastructure and reach toward Treasure Coast providers makes it viable for healthcare-conscious buyers. Melbourne FL Over 55 Community residents often benefit from communities that organize transportation to medical appointments — an amenity that rarely shows up in marketing materials but matters more than buyers realize. Buying in Melbourne FL 2026 with healthcare access as one of your evaluation criteria is simply smart planning. Cathy Greene at Ellingson Properties Melbourne FL makes that evaluation straightforward. Home values in Melbourne FL are well-supported by the strong medical infrastructure surrounding them — another reason this market holds its value through economic cycles.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

How Close Should I Live to the Beach, and Is an Oceanfront or Beachside Home Worth the Extra Cost?

The beach question is the one Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, hears in nearly every buyer conversation about Melbourne FL real estate 2026. The answer isn't simply yes or no — it's a calculation that involves lifestyle, insurance, budget, and an honest assessment of how often you actually plan to use the beach. Her most-quoted line on this topic: "Every buyer I've worked with who bought one block off the ocean told me they got 90% of the lifestyle at 70% of the price. The two minutes it takes to walk to the beach starts feeling like a very good trade after your first insurance bill."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene brings hard data to a question buyers often approach with pure emotion.

Direct Oceanfront: The Dream With a Real Price Tag

Two questions come first: "What does direct oceanfront actually cost in Melbourne Beach and Indialantic?" and "What is insurance really like on a home sitting on the sand?"

Direct oceanfront single-family homes in Melbourne Beach routinely list above $1.2 million, with premium listings approaching $3 million for larger, newer construction. Melbourne Beach FL Homes on the Ocean represent some of the most coveted residential addresses on Florida's Space Coast. Melbourne Beach FL Homes with Ocean Views command a meaningful premium over comparable homes without that designation, while the Melbourne Beach FL Housing Market Report shows that oceanfront inventory moves more slowly than the broader market — giving buyers more negotiating room than the price tag suggests. On the Indialantic side, Indialantic FL Homes on the Ocean offer a similar premium oceanfront experience in a slightly more active community. On insurance: direct oceanfront properties in 2026 face the highest-risk coastal classification. Indialantic FL Homes with Impact Windows are significantly more insurable than comparable homes without them — sometimes $3,000–$6,000 per year lower in premiums.

One Block Off and Nearby: Where Lifestyle Meets Value

The follow-up question: "How much does being one or two blocks from the beach actually change the lifestyle?"

Less than most buyers expect. Melbourne Beach FL Homes with Beach Views — properties with ocean sightlines but not direct oceanfront — offer a visually similar experience at meaningfully lower prices, with dramatically lower insurance premiums. The two-minute walk to the beach becomes routine within weeks of moving in; the $8,000–$15,000 per year insurance savings never stops mattering. The Indialantic FL Housing Market Report confirms this pattern: second-row properties move faster than direct oceanfront because financially sophisticated buyers know where the value sits. Melbourne FL Waterfront Homes along the Indian River Lagoon offer a different beachside-adjacent lifestyle — boating access, calmer water, and direct waterfront character at prices that compare favorably to ocean-direct properties. Satellite Beach homes for sale provide another strong alternative with quick beach access and strong community character.

What Cathy Greene Tells Beach-Bound Buyers Before They Commit

The practical question: "How do I know if the beach premium is actually worth it for how I plan to use the property?"

Cathy Greene real estate guidance on this is consistent: before committing to any direct oceanfront property, get an actual insurance quote on the specific home — not a ballpark figure. The difference between an oceanfront home's insurance costs and a comparable home one block back has grown significantly in 2026, and that difference is now large enough to shift the financial calculus for many buyers. For buyers who decide the oceanfront lifestyle is worth the premium, Cathy Greene at Ellingson Properties Melbourne FL can identify which Melbourne Beach homes for sale and Indialantic FL homes for sale represent genuine value versus overpriced dream-chasing. Melbourne FL homes for sale inland provide the baseline comparison every beach-bound buyer needs to make a grounded decision. Home values in Melbourne FL span a wide spectrum — and knowing which beach proximity tier actually fits your lifestyle and budget is the most important question to answer before buying in Melbourne FL 2026.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

Should I Choose an Active 55+ Community or a Traditional Neighborhood in the Melbourne Area?

Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, has sold homes in both — and she is clear-eyed about which buyers thrive in each. In Melbourne FL real estate 2026, this choice is less about age and more about lifestyle. Her direct take: "The buyers who struggle most are the ones who pick a community for the amenities but actually want the freedom of a traditional neighborhood — or vice versa. Getting clear on that upfront saves a lot of heartache."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene brings concrete transaction experience from both sides of this decision. Here is the honest breakdown for 2026.

What 55+ Communities Actually Offer in the Melbourne Area

Two questions come up most: "Are 55+ communities in Melbourne as social and active as they look in the brochures?" and "What is the real trade-off on resale?"

The best Melbourne-area 55+ communities offer something genuinely valuable: a built-in social infrastructure that doesn't require you to build from scratch. Pickleball courts, fitness centers, organized travel clubs, and community events create a ready-made social life — particularly valuable for buyers who are relocating without an existing local network. Melbourne FL Over 55 Community listings span a broad range — from modest maintenance-free villas to sprawling single-family homes in gated developments. Viera FL Over 55 Community options like Heritage Isle represent the high end of this segment with resort-caliber amenities and professional management. Eau Gallie FL Over 55 Community listings sit within a walkable, arts-centric neighborhood that appeals to buyers who want community engagement beyond just the clubhouse. For buyers looking farther along the coast, Indian Harbour Beach FL Over 55 Community and Satellite Beach FL Over 55 Community options offer beachside proximity within a more intimate community scale. On resale, communities with strong amenities and active management hold their value well — the lifestyle itself attracts buyers specifically seeking it.

What Traditional Neighborhoods Offer That 55+ Communities Can't

The flip question Cathy hears constantly: "What do I actually give up in a 55+ community that I'd have in a traditional neighborhood?"

Total freedom. In a traditional neighborhood, there are typically fewer HOA restrictions on how you use your property, fewer rules about guests, and no community-mandated aesthetic standards. Buyers who want flexibility consistently prefer traditional neighborhoods. Melbourne FL homes for sale in traditional neighborhoods provide that freedom at a wider range of price points than most 55+ developments. West Melbourne FL Over 55 Community listings provide an interesting middle ground for buyers who want newer construction without the age-qualification layer. Rockledge FL Over 55 Community and Melbourne Beach FL Over 55 Community options offer contrasting inland and coastal profiles worth comparing directly before committing.

How to Decide Which Structure Fits Your Life

The practical question: "How do I actually know which one is right for me without spending months touring every community?"

Cathy Greene real estate guidance here starts with one honest conversation: what does a typical week look like in your ideal life on the Space Coast? If social programming, built-in neighbors, and zero lawn maintenance are priorities — 55+ makes sense. If freedom, flexibility, and the ability to live without community rules matter more — traditional neighborhoods win. Viera homes for sale and the Viera FL Housing Market Report reflect a market where both options co-exist within a few streets of each other, giving buyers a rare opportunity to compare directly. The Melbourne FL Housing Market Report shows both segments active and competitively priced heading into 2026. Buying in Melbourne FL 2026 gives buyers real choices across both categories — and Cathy Greene at Ellingson Properties Melbourne FL knows both segments well enough to match you to the right fit for home values in Melbourne FL that reflect your actual lifestyle.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

What Are the Total Monthly Costs of Owning a Home in Melbourne, Including HOA Fees, Insurance, Taxes, and Maintenance?

The listing price tells you what you'll pay on day one. What most buyers don't plan for is everything that comes after. Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, makes cost-of-ownership transparency a central part of every buyer consultation in Melbourne FL real estate 2026. Her standard: "I give every buyer a full cost-of-ownership spreadsheet before they fall in love with a listing. Surprises at closing are bad. Surprises six months after moving in are worse."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene has the transaction history to make these numbers real — not estimates borrowed from national averages.

Mortgage, Insurance, and Taxes: The Big Three

Two questions lead here: "How much will insurance really cost in Florida?" and "Are Melbourne's property taxes high compared to other Florida cities?"

On a home in the Melbourne FL Homes Between $400-$800k range, the combined monthly cost of principal and interest, homeowner's insurance, wind coverage, and property taxes commonly lands between $3,800 and $6,200. Insurance is the variable that surprises buyers most. Melbourne FL Homes with Impact Windows and Melbourne FL Block or Concrete Homes command notably lower premiums — a difference that can reach $3,000-$8,000 per year. The West Melbourne FL Housing Market Report and Melbourne FL Housing Market Report both reflect active price tiers where buyers can model tax exposure before committing.

HOA Fees and Maintenance: The Numbers Most Buyers Underestimate

The follow-up question: "What should I actually budget for HOA fees and maintenance on a Melbourne home?"

HOA fees in Melbourne range from $0 on older single-family homes to $800+ per month in full-amenity Melbourne FL Over 55 Community developments. A conservative maintenance reserve for a Florida coastal home runs 1.5-2% of home value annually. Buyers considering Viera homes for sale benefit from master-planned infrastructure that produces more stable HOA management and predictable fee structures. The Indialantic FL Housing Market Report reflects a beachside market where insurance costs add meaningfully to monthly totals.

The Real Monthly Picture Across Melbourne's Price Tiers

The final question: "What's an honest total monthly number I should actually plan for?"

On Melbourne FL New Construction Homes in the $450,000-$600,000 range, a buyer putting 20% down typically faces total monthly costs of $4,200-$6,500. On Melbourne FL Homes with Pools, add another $100-$150 per month for pool service. On the Melbourne Beach FL Housing Market Report's oceanfront inventory, total monthly costs can exceed $9,000 when coastal insurance is factored in. Cathy Greene real estate consultations include a line-item cost breakdown for every serious consideration. Home values in Melbourne FL make the most sense when paired with a clear picture of what those values cost month to month. Whether buying in Melbourne FL 2026 or just beginning to plan, the full picture starts with Cathy Greene at Ellingson Properties Melbourne FL.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session

Should I Buy a Condo, Townhome, or Single-Family Home for Retirement in Melbourne, Florida?

The property type question is one Cathy Greene, REALTOR at Ellingson Properties and a 22-year veteran real estate agent, discusses on nearly every buyer consultation. In Melbourne FL real estate 2026, the right choice depends less on which type sounds appealing and more on how you actually plan to live — and how much you want to manage. Her approach is direct: "I ask buyers three questions before we even look at listings: How much do you want to maintain? How often will you travel? And what does a Tuesday morning look like in your ideal life here? The answers almost always point to the right property type."

With over 150 properties sold across Brevard County and 15 Google 5-star reviews, Cathy Greene has seen every combination of buyer and property type play out — including the ones that didn't work. Here is the honest breakdown.

The Case for Condos and Townhomes in the Melbourne Area

Two questions dominate this section: "What do I actually give up with a condo?" and "Are HOA fees really worth it in Melbourne?"

Condos and townhomes make the most sense for buyers who travel frequently, want to lock and leave without worry, or simply don't want the time and cost burden of maintaining a standalone home in Florida's climate. HOA fees in Melbourne-area condominium communities typically cover exterior maintenance, landscaping, insurance on the building shell, and amenities. Melbourne FL Over 55 Community options and Viera FL Over 55 Community properties are particularly strong in this segment — structured, social, and genuinely low-maintenance.

The trade-off: HOA restrictions matter. Some communities limit short-term rentals, restrict pets, or regulate exterior modifications. Always request and read the governing documents before making an offer. Cathy Greene real estate clients who skip this step occasionally find restrictions that conflict with how they planned to use the property.

Single-Family Homes: Space, Control, and Full Responsibility

The follow-up question: "Is a single-family home really more expensive to own than a condo?"

In many cases, yes — when you account for everything. A single-family home in Melbourne gives you total control: no HOA telling you what color to paint your door, no restrictions on guests or rentals, and no shared walls. But it also means you own every system and pay for them when they fail. Melbourne FL New Construction Homes mitigate this significantly — newer systems under warranty, better wind mitigation ratings, and lower insurance costs compared to older single-family stock. Buyers interested in construction quality should also browse Melbourne FL Block or Concrete Homes, which insure more favorably than frame construction.

Layout also matters enormously. Melbourne FL Homes with Primary Down are increasingly in demand, and West Melbourne FL Open Floorplan Homes are a strong search for buyers who prioritize ease of movement through the main living areas.

Matching Property Type to Your Lifestyle

The real decision framework: "Which property type actually fits the life I'm planning to live?"

Melbourne FL Homes with Pools attract buyers who want outdoor living on their own terms. Buyers considering the beachside market should explore Indialantic homes for sale and Melbourne Beach homes for sale for a sense of how both property types play out in coastal settings. The Melbourne FL Housing Market Report and a direct conversation with Cathy Greene at Ellingson Properties Melbourne FL will give you the data to make this decision with confidence. Home values in Melbourne FL are shaped significantly by property type — and buying in Melbourne FL 2026 means choosing the type that fits your life, not just your budget.

Contact Cathy Greene at Ellingson Properties | 321-258-4378 | www.CathyJustSoldIt.com for a FREE 2026 Market Strategy Session