Broker Check
(561) 210-7339
Members Only
5/5

Retirement Planning From First Rollover To Last RMD.

Retirement planning in Boca Raton covering income strategies, IRA and 401(k) rollovers, Social Security timing, and RMDs. For South Florida pre-retirees and clients already drawing on their assets.

Schedule A Consultation Call (561) 210 7339
  • Fiduciary CFP®
  • Fee-Based
  • Independent
  • Boca + Plantation Offices

WHY CLIENTS CHOOSE US

The years right before and right after retirement matter most.

This is the window where most of the levers still work. Roth conversions, healthcare planning, claiming strategy modeling, last-decade tax positioning.

The order you draw from accounts matters more than the total. We model the sequence so the tax bill and the longevity risk both get accounted for.

When to claim, how spousal benefits work, and the breakeven math behind delayed claiming. 

Old 401(k)s, 403(b)s, pension lump sums. Where to land them, the tax considerations, and how they fit the broader portfolio. See IRA rollover →

Required minimum distributions, qualified charitable distributions, and how to manage forced income in retirement.

Retirement is also a life change. The financial plan and the conversation about what comes next both belong on the table.

Most of the variables that decide how retirement actually goes are set in the ten years leading up to it. The savings rate, the asset allocation, the Roth conversion windows, the timing of Social Security, the choice of healthcare coverage. Once retirement starts, you can still adjust, but the lever arm is shorter.

The case for sitting down with a planner sometime between age 50 and 60 is that you still have meaningful room to change the trajectory. The case for sitting down with one after retirement starts is that the decisions get more technical (RMD coordination, healthcare, longevity planning) and the cost of getting them wrong stays high.

OUR APPROACH

How Retirement Planning works at Intercoastal.

Three things that shape how we deliver retirement planning for South Florida clients.

Retirement Planning doesn't sit alone. The investment plan, the tax plan, and the estate plan reference each other. We coordinate all three so decisions match.

No off-the-shelf model portfolios or boilerplate plans. The recommendations match your specific income, tax bracket, family situation, and timeline.

We meet on a quarterly cadence to adjust the plan as your life and the tax code change. The relationship is long-term by design.

What we cover.

  • Cash flow modeling, with replacement-income targets at age 60, 65, 70.
  • Roth conversion strategy across the low-tax window between retirement and RMD age. 
  • 401(k), 403(b), and 457 plan optimization while still working.
  • Catch-up contribution coordination.
  • Healthcare bridge from end of employer coverage to Medicare. 
  • Withdrawal sequencing across taxable, tax-deferred, and Roth accounts.
  • Bucket strategy or systematic withdrawal, depending on your situation.
  • Tax-efficient income, year by year, not just on average.
  • Annuity analysis for clients who already own them or are considering them. 
  • Claiming strategy modeling. When to file, why, and what changes the answer.
  • Spousal benefits, survivor benefits, divorced-spouse benefits.
  • How Social Security fits the broader withdrawal sequence.
  • Old employer plan rollovers, mechanics, and tax considerations.
  • In-service distributions where allowed.
  • Where to land the assets and how they fit your portfolio.
  • RMD modeling across all qualified accounts.
  • Qualified Charitable Distributions for clients who want to give from their IRA.
  • Coordination with tax planning and charitable giving.

RELATED RETIREMENT SERVICES

Common areas within the retirement work.

Most retirement planning clients work through one or more of these as part of the broader plan.

IRA Rollover Planning

Rolling over old 401(k)s, 403(b)s, pension lump sums. Mechanics and tax positioning.

See IRA rollover planning ➟

Social Security Optimization

When to claim, spousal benefits, breakeven math, and how it fits the income sequence.

See Social Security optimization ➟

Roth Conversion Strategy

Multi-year tax modeling, conversion ladders, and the low-tax window before RMDs start.

See Roth conversion strategy ➟

Who this is for

Retirement planning fits different stages of life.


The work looks different depending on where you are. The most common situations:

What we don't do.

Contact Us Today

We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.

RELATED READING

More From The Retirement Planning Blog

Posts our planning team has put together on this topic.

Image for 2026 Tax Law Changes

2026 Tax Law Changes

The One Big Beautiful Bill is now law. Here's a clear breakdown of what changed, what's temporary, and what it means for you.

Image for Split Annuity Strategy

Split Annuity Strategy

Here's one strategy that combines two different annuities to generate income and rebuild principal.

Image for FIRE Retirement

FIRE Retirement

This short, informative article teaches the basics of the FIRE movement.

Schedule Your Free Consultation

No obligation. We respond the same business day. 

I am Interested In
Approximate Household Income Range
Thank you! Your message has been received. Oops! Something went wrong. Please try again.

QUESTIONS, ANSWERED
Common questions about Retirement Planning

  • The most useful window is somewhere between age 50 and 60, while you still have time to adjust the savings rate, run Roth conversions through the low-tax years, and model Social Security claiming. That said, the work is still worth doing later, just with a shorter lever. If you're already retired, the focus shifts to withdrawal sequencing, RMD planning, and healthcare.
  • It depends on your health, your spouse's benefit, your other income sources, and your taxable situation. The default math favors delaying to 70 if you can, because the benefit grows about 8% per year you wait past full retirement age. But the right answer can be earlier if you've shorter projected longevity, no spouse to claim against, or income needs that outweigh the breakeven math.
  • Usually yes, but not always. A rollover gives you a much wider investment universe, easier coordination with the rest of your plan, and simpler RMD tracking. The cases where you might leave it in the old plan: better fund options or lower fees in the old plan, separation-of-service access at 55, or specific creditor-protection considerations
  • A Roth conversion moves money from a traditional IRA or 401(k) into a Roth IRA, paying the income tax in the year of the conversion. The case for doing it: lock in today's tax rates, reduce future RMDs, leave a tax-free inheritance, and use up the low-tax window between when you stop working and when RMDs start. The case against: limited cash to pay the tax, or expecting much lower tax rates in retirement.
  • A Required Minimum Distribution is the amount you've to start withdrawing from traditional retirement accounts each year once you hit RMD age (currently 73, moving to 75). The IRS uses a formula based on your account balance and life expectancy. The penalty for missing one is steep, so the coordination matters.
  • There's no single number. The honest version: you need enough that the withdrawals you take (after tax, after inflation) cover your spending for as long as you live, plus the things you want to do or leave behind. For most clients we model out three or four scenarios with different spending levels and longevity assumptions. Use the calculator to get a rough starting number, then a real plan goes deeper than the calculator can.

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Serving

South Florida cities and neighborhoods

Palm Beach County

Boca Raton Financial Advisors Highland Beach Financial Planning Delray Beach Financial Advisors Boynton Beach Financial Planning West Palm Beach Financial Advisors Palm Beach Financial Advisors Palm Beach Gardens Financial Advisors Wellington Financial Planning

Broward County

Plantation Financial Planning Fort Lauderdale Financial Planning Coral Springs Financial Planning Weston Financial Planning Cooper City Financial Planning Parkland Financial Planners Deerfield Beach Financial Planners Pompano Beach Financial Planning Davie Financial Planning Sunrise Financial Planners

Ready to talk about Retirement Planning?

The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.

Schedule A Consultation