Wealth Management In South Florida. Built Around Your Whole Life.

Fee-based wealth management in South Florida built on an individualized approach to financial growth, legacy, and everywhere in between. CFP-led planning from offices in Boca Raton and Plantation, plus clients across all 50 states.

Schedule A Consultation Call (561) 210 7339

Fiduciary CFP® Fee-Based Independent Firm Boca + Plantation Offices

WHY CLIENTS CHOOSE US

A wealth manager built for the long haul, not the next transaction.

Fiduciary on every recommendation

Our CFP is held to the fiduciary standard. Legally required to act in your best interest on every account, every recommendation.

Fee-based and transparent

Most of our compensation is advisory fees, fully disclosed up front. Where commissions apply on insurance or annuities, we disclose those too.

Independent, not a wirehouse rep

No house product quotas. No sales pressure. Independent advisory, with a direct point of contact at the firm.

Personal trainer for your money

The accountability and coaching around real decisions (career changes, business exits, widowhood, inheritance) is where most of the value shows up.

One team, not a rotating cast

A planning team that knows your file, plus an enrolled agent for tax preparation in-house. Not a 1-800 number or a new advisor every year.

South Florida-rooted, nationally licensed

Offices in Boca Raton and Plantation. Licensed in all 50 states so existing clients keep their advisor when they move.

^{A More Personal Standard}

Wealth Planning Built Around Your Life.

Your financial life is not a product. It is a structure that deserves careful design.

For decades, our firm has quietly served families who value thoughtful guidance over noise, structure over speculation, and partnership over transactions.

Today, Intercoastal Wealth Planning carries forward the legacy of Integrity Wealth Planning, working alongside its sister firm, Chesapeake Financial (Annapolis, MD). Same independence. Same client-first work.

✅ Every recommendation grounded in transparency and education.
✅ An objective, individualized investment philosophy.
✅ Integrated planning across investments, tax, retirement, and estate.
✅ Built to evolve with you as your life changes.

WHAT WE DO

Every Service We Offer In South Florida.

Most relationships use several of these at once. The investment strategy, the tax plan, and the estate work all reference each other.

CERTIFIED FINANCIAL PLANNER

Cash flow, net worth, goals, and the roadmap that ties them together. Where most relationships begin.

See Certified Financial Planner ➡

INVESTMENT MANAGEMENT

Portfolio construction, asset allocation, and tax-sensitive investing. Fee-based and fiduciary, built around your situation.

See Investment Management ➡

RETIREMENT PLANNING

Retirement income strategies, IRA and 401(k) rollovers, Social Security timing, and required minimum distributions.

See Retirement Planning ➡

TAX PLANNING

Year-round tax-sensitive investing, Roth conversion strategy, capital gains, and year-end positioning. Tax prep handled in-house by our enrolled agent.

See Tax Planning ➡

ESTATE PLANNING

Beneficiary review, intergenerational wealth transfer, charitable giving, and legacy planning. Coordinated with our in-house planner or your estate attorney.

See Estate Planning ➡

BUSINESS SUCCESSION

For family business owners planning the next generation's transition. Owner compensation, valuation, governance, and transfer strategy.

See Business Succession ➡

BUSINESS EXIT PLANNING

Preparing a business for sale, working with M&A advisors, and planning the post-sale life the proceeds have to support.

See Business Exit Planning ➡

IRA ROLLOVER PLANNING

Consolidating old 401(k)s and IRAs into one plan you can actually track.

See IRA Rollover Planning ➡

SOCIAL SECURITY OPTIMIZATION

When to file, spousal strategy, and how the claim interacts with the rest of the income plan.

See Social Security Optimization ➡

ROTH CONVERSION PLANNING

Multi-year conversion analysis sized to your tax brackets.

See Roth Conversion Planning ➡

INSURANCE PLANNING

Life, disability, long-term care, and annuity contracts read line by line with full commission disclosure.

See Insurance Planning ➡

TRUST PLANNING

Revocable trust coordination between your estate attorney and the funding of the trust itself.

See Trust Planning ➡

Schedule Your Complimentary Consultation

Talk with a financial planner about your situation. No obligation. We respond the same business day.

WHO WE SERVE

Built For Specific Moments In Life And Work.

We work with clients at every life stage. These are the moments where specialized planning matters most:

FINANCIAL PLANNING FOR PRE-RETIREES

For clients in their 40s, 50s, and early 60s coordinating the Social Security decision, Medicare timing, Roth conversion windows, and the income plan that follows.

See Financial Planning for Pre-Retirees ➡

FINANCIAL PLANNING FOR PROFESSIONALS

For dual-income households and single high earners in their 30s and 40s building wealth on $175K-$500K incomes.

See Financial Planning for Professionals ➡

FINANCIAL PLANNING FOR BUSINESS OWNERS

For founders and owners. The planning runs from operating the business through eventual transition or sale.

See Financial Planning for Business Owners ➡

FINANCIAL PLANNING FOR EXECUTIVES

For C-suite leaders with concentrated equity, deferred compensation, and the planning that comes with senior roles.

See Financial Planning for Executives ➡

FINANCIAL PLANNING FOR INHERITORS

For clients receiving an inheritance, sudden or expected. Help making steady decisions in a moment when steady is hard.

See Financial Planning for Inheritors ➡

FINANCIAL PLANNING FOR PROFESSIONAL WOMEN

For women in their career-building years working through equity comp, executive comp, and the planning that supports both.

See Financial Planning for Professional Women ➡

FINANCIAL PLANNING FOR DIVORCED WOMEN

For women rebuilding financial independence after divorce. Coaching, accountability, and a real plan for what's next.

See Financial Planning for Divorced Women ➡

FINANCIAL PLANNING FOR WIDOWS

For women facing financial decisions for the first time after the loss of a spouse. Patience and a step-by-step approach.

See Financial Planning for Widows ➡

HOW WE DO IT
Our process is structured, collaborative, and ongoing.

We provide integrated wealth management that aligns investments, retirement income, tax strategy, and estate coordination into one cohesive plan.

Our approach is structured and risk-aware, beginning with discovery, followed by strategic design, collaborative implementation, and ongoing stewardship.

Your financial life deserves more than isolated advice.
It deserves coordinated strategy.

DISCOVER HOW WE HELP ➜

A Collaborative Approach to Wealth

Our team brings together decades of experience in investment management, retirement income planning, and tax-aware strategy. We operate as fiduciaries, prioritizing disciplined guidance and long-term relationships over transactions.

With the combined legacy of Intercoastal and Integrity, clients benefit from personal attention supported by expanded expertise and continuity.

MEET THE TEAM ➜

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Understand Your Goals

Every financial decision begins with listening.
Before discussing investments or strategies, we take the time to understand what matters most to you.

Promote Your Values

Your financial plan should reflect who you are.

We believe wealth is not simply accumulated, it is directed with intention.

Build Custom Solutions

No two financial lives are identical, and your plan should never feel templated. Every recommendation is deliberate, coordinated, and built to evolve with you.

Your Partner In Building
A Strong Financial Foundation.

We do more than manage investments.
We design coordinated strategies that align your assets, income, taxes, estate planning, and risk management into one cohesive system.

Financial Services Across South Florida & US ➜

FREQUENTLY ASKED QUESTIONS

Common questions about wealth management

What does a fiduciary financial advisor do?

A fiduciary financial advisor is legally required to act in your best interest at all times. At Intercoastal Wealth Planning, our Certified Financial Planner is held to the fiduciary standard. The job is to coordinate your wealth across investment management, retirement planning, tax planning, estate planning, and life-stage transitions like divorce, widowhood, business succession, or inheritance.
What is a fee-based wealth management firm?

A fee-based wealth management firm is compensated primarily through advisory fees disclosed up front. The advisory work is held to the fiduciary standard. Fee-based is different from fee-only because additional product categories may apply at the client's direction, with separate disclosure. Intercoastal Wealth Planning is fee-based and the CFP is a fiduciary on all advisory recommendations.
What is the minimum to work with Intercoastal?

Intercoastal Wealth Planning works mostly with families and individuals at household incomes of $250,000 or above, plus business owners, professional women, widows, and inheritors at similar wealth tiers. The planning approach is built for clients who want a long-term coordinated relationship, not a one-time transaction.
Do you work with clients outside Boca Raton and Plantation?

Yes. The two offices serve Boca Raton, Plantation, and the surrounding Palm Beach and Broward County communities. We are also licensed to advise clients in all 50 states, and many existing client relationships run fully virtually after the first one or two in-person meetings.
How do I find a financial advisor I can trust?

Start with the fiduciary standard. Is the advisor legally required to act in your best interest at all times, on every recommendation? Then check credentials (CFP is the gold standard for personal financial planning), compensation transparency, and how they handle the unglamorous parts of the job. Beneficiary updates, tax coordination, the email you send at 9 PM.
What makes Intercoastal different from a large brokerage?

Intercoastal is independent and boutique. You work with the planning team directly, not a 1-800 number or a different advisor each year. The work centers on coaching and accountability around the financial decisions that move the needle, rather than performance against an index.