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Boca Raton

5/5

Wealth Management In Boca Raton. From An Independent Firm.

Fee-based wealth management in Boca Raton for families, business owners, and pre-retirees. Coordinated planning from our local Boca office serving Boca Pointe, Royal Palm YC, St. Andrews, Mizner Park, and the surrounding neighborhoods.

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  • Fiduciary CFP®
  • Local Boca Office
  • Fee-Based
  • Boca Magazine Featured

WHY BOCA RATON CLIENTS CHOOSE US

Boca Raton has more financial advisors per capita than almost any market in the country. Here is what makes us different.

Independent, not a Boca wirehouse rep

Boca is full of advisors employed by large brokerage firms. We're an independent fiduciary practice. No house product quotas, no sales pressure, no rotating advisors.

Fee-based, fully disclosed

Most of our compensation is advisory fees, disclosed up front. Where commissions apply (insurance, annuities), we disclose those too. Honest about it.


Built for the Boca client base

Pre-retirees, business owners, widows, professional women, and HNW families. The planning is built around the situations that show up in this market.


Local in person, hybrid going forward

We meet in person at the Boca office for the first one or two meetings. Most ongoing relationships shift to a hybrid cadence of in-person and video, depending on what fits your schedule.

Long-term, not transactional

We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.


South Florida-rooted, nationally licensed

Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.



Serving Boca Raton and its neighborhoods.

Serving Boca Raton and its neighborhoods.

Our Boca Raton office serves the city itself and the surrounding communities. Most of our clients come from established Boca neighborhoods: Boca Pointe, Royal Palm Yacht & Country Club, St. Andrews Country Club, Mizner Park, Boca Bath & Tennis, The Polo Club, Broken Sound, and the coastal neighborhoods east of A1A. The work is the same across the city; only the meeting location and the local context change.

About Boca Raton.

Boca Raton sits along Florida's east coast in Palm Beach County, anchored by an established business district, the Boca Raton Resort, and several of South Florida's most recognizable country club communities. Many of our Boca Raton clients live in Boca Pointe, Royal Palm Yacht and Country Club, St. Andrews Country Club, The Sanctuary, Boca Bath and Tennis, The Polo Club, Broken Sound, Boca Del Mar, or the coastal pockets east of A1A.

The kinds of clients who live in these neighborhoods need the kind of work we do: planning coordinated across cash flow, investments, taxes, and estate. Many are 5 to 10 years from retirement (or already there) and want a relationship that handles the unglamorous administrative work as well as the strategic planning.

LOCAL ADVANTAGE

Working with our team in Boca Raton.

Three things Boca Raton clients tell us matter.

1) Local meetings, virtual flexibility

First meetings in person at our Boca Raton or Plantation office. After that, most relationships run mostly virtual with in-person reviews as needed.


2) Florida tax structure expertise

Florida no-state-income-tax planning is its own thing. We work it into every recommendation, from Roth timing to the home-sale capital-gains calculation.


3) Same advisor across state lines

We're licensed in all 50 states. Clients moving to or from Florida keep the same advisor without restart.



Find Us On The Map

Where we are.

  • The Boca Raton office is in downtown Boca, easily accessible from I-95, the Boca Raton Airport area, and the neighborhoods west of US-1. Free parking. Easy in-person meetings for clients who want them.
📍

Intercoastal Wealth Planning at Boca Raton

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

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

(561) 210-7339

WEALTH PLANNING SERVICES IN BOCA RATON

Services available locally and virtually.

Every service we offer is available to Boca Raton clients:

Financial Planning

Financial Advisors Boca Raton

Fee-based fiduciary financial planning for Boca Raton households. Cash flow, tax positioning, retirement drawdown, and estate coordination as a written plan.

See financial advisors Boca Raton →

Investments

Investment Management

Portfolio construction, asset allocation, tax-sensitive investing managed locally.

See investment management →

Retirement

Retirement Planning

Income strategy, IRA rollovers, Social Security timing, RMDs, healthcare bridge.

See retirement planning →

Tax

Tax Planning

Year-round positioning. Tax-loss harvesting, Roth conversions, charitable giving timing.

See tax planning →

Estate

Estate Planning

Beneficiary audits, trust funding, legacy planning, coordinated with your attorney.

See estate planning →

Retirement

IRA Rollover Planning

401(k), 403(b), and old employer plan rollovers handled as direct trustee transfers.

See IRA rollover planning →

Retirement

Social Security Optimization

When to claim, spousal coordination, and how the claim fits the income sequence.

See Social Security optimization →

Tax

Roth Conversion Strategy

Multi-year tax modeling for the low-income window between work and RMDs.

See Roth conversion strategy →

College

529 Plan & College Planning

Education savings, Florida Prepaid, grandparent funding, FAFSA coordination.

See 529 plan & college planning →

Insurance

Insurance Planning

Life, disability, long-term care, and annuity review without the sales pitch.

See insurance planning →

Coaching

Financial Coaching

Behavioral coaching and accountability that turns the plan into actual decisions.

See financial coaching →

Giving

Charitable Giving Strategies

Donor-advised funds, charitable trusts, QCDs from IRAs, appreciated stock donations.

See charitable giving strategies →

Estate

Trust Planning

Revocable living trusts coordinated with your estate attorney. Funding and titling, done right.

See trust planning →

Business Owners

Business Succession Planning

Family transitions, internal sales, ESOPs, plus the post-transition personal plan.

See business succession planning →

Business Owners

Business Exit Planning

Pre-sale tax positioning, deal-structure planning, post-sale wealth strategy.

See business exit planning →

WHO WE SERVE IN BOCA RATON

Specialty pages for Boca audiences.

Most Boca clients fit one of these descriptions:

An older couple reviewing their finances together on the couch with paperwork and a phone, during pre-retirement planning.

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

A business owner in a suit working on a laptop with earbuds and a coffee, illustrating financial planning for small business owners.

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

A group of professionals at a boardroom table with laptops during a presentation, illustrating financial planning for executives.

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

A person holding a bank card while using a laptop, working with a financial advisor for inheritance.

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

Four professional women talking together around a cafe table, meeting with a financial advisor for women.

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

Three women standing together looking out over the water, seen from behind, illustrating financial planning for divorced 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

An older woman sitting on a bench looking at her phone, in black and white, illustrating financial planning for widows.

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

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.

MORE INFO

Wealth Management Strategies Specific to Boca Raton, FL

The Wealth Planning Realities Here

The Wealth Planning Realities Here

Boca Raton's economy runs on a different scale than the county average. Median home value is $722,700; median household income is $106,273 (US Census ACS). Many households here also carry multiple properties, business equity, or concentrated stock positions on top of the primary residence.

That mix reshapes what retirement planning actually looks like. Country club equity memberships in communities like Boca West or Saint Andrews Country Club, property insurance premiums that rise every renewal, and property tax bills that scale with home value all become fixed monthly obligations. They belong in the cash flow model from the beginning.

Our work with Boca Raton clients is individualized by default. For pre-retirees weighing concentrated stock options, for widows learning to manage an inherited portfolio, for business owners with equity waiting to be liquidated: the details are different every time. We map out required minimum distributions, structure taxable and tax-deferred accounts for efficiency, and coordinate with the client's CPA and estate attorney where their work touches ours.

Business Exit Planning For Boca Raton Founders

Business Exit Planning For Boca Raton Founders

Boca Raton is a real business hub. The commercial districts near Mizner Park and Arvida Park of Commerce house a large concentration of founders whose personal net worth is heavily tied to company equity.

The math of turning that equity into retirement income takes time to work through. The 24 months before a planned sale are usually where the most valuable planning happens: tax positioning, deal structure options, and the post-sale income plan all benefit from being built ahead of the transaction, not after. We work alongside your business attorney and CPA when a sale is on the horizon.

The work covers both the sale mechanics and the personal side. What the sale proceeds need to cover for the founder's own retirement, how the estate plan should shift once liquidity is present, and how the tax picture changes when you go from operator income to portfolio income. Founders build businesses with intention. We help you exit them the same way.

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QUESTIONS, ANSWERED
Common questions about Boca Raton Wealth Management

  • Our Boca office is in downtown Boca Raton. Free client parking, easy access from I-95 and US-1. Most first meetings happen in person there. Many ongoing client relationships shift to a hybrid cadence after the initial meetings.
  • No. We serve clients across South Florida from the Boca and Plantation offices, and Beth is licensed in all 50 states. Many existing relationships run fully virtually after the first one or two in-person meetings. If you live in Boca and move out of state later, you keep your advisor.
  • Most Boca clients fit one or more of these descriptions: pre-retirees in their 50s and 60s, business owners at various stages, widows and divorced women rebuilding their financial plan, inheritors of family wealth, and professional women or C-suite executives in their career-building years. Our practice has built particular depth around women navigating life transitions.
  • We work 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.
  • Yes. We meet face-to-face at the Boca Raton office on North Federal Highway. We coordinate directly with your estate attorney so beneficiary designations and trust structures align with the broader financial plan.
  • For most Boca Raton homeowners, property taxes fall in the $3,000+ range annually, and communities with mandatory club dues add another significant fixed cost. These get built directly into the retirement cash flow model so the withdrawal strategy matches the actual lifestyle.

Find Us

Our Office

Intercoastal Wealth Planning Boca Raton office at 1200 North Federal Highway

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

Serving South Florida Cities and Neighborhoods

Palm Beach County

Boca Raton Wealth Management Highland Beach Wealth Management Delray Beach Wealth Management Boynton Beach Wealth Management West Palm Beach Wealth Management Palm Beach Wealth Management Palm Beach Gardens Wealth Management Wellington Wealth Management

Also Serving

  • Hillsboro Beach

Ready to talk about Boca Raton wealth management?

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. 

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