facebook twitter instagram linkedin google youtube vimeo tumblr yelp rss email podcast phone blog search brokercheck brokercheck Play Pause

 

Clarity for Today,
Confidence for Tomorrow.



Delivering Tax-Focused, Fee-Only Financial Planning to Near-Retirees, Retirees, and Widows.

Serving clients in Tampa, Orlando, Jacksonville. In-Person or Virtual.

Schedule Brief Call

Fiduciaries

icon

Acting in your best interest with a servant mentality while never . receiving commissions. 

Oasis

icon

A place of peace, safety, or happiness in the midst of trouble.

Retirement Specialists

icon

Focusing on near-retirees, retirees, and widows.

Experienced 

icon

Credentialed Advisors,  
50+ Years of Experience
CFP® practioner, CPA, CFA, JD, MBA 

We address your pressing questions about retirement


Am I on track for a secure retirement?

Based on your detailed cash flow and net worth projections (aka "financial modeling"), we help answer the question "am I on the right track for retirement?" Proper detailed retirement analysis can help answer the following key questions:

  • Am I saving enough for retirement?  
  • What are the trade-offs of different retirement dates?
  • How do I properly balance living for today versus planning for tomorrow?
  • How much can I confidently spend in retirement?
  • How can I develop a financial roadmap for my future?

How do I create a reliable income stream in retirement that will last my lifetime?

You may no longer receive a paycheck yet you still have dreams and expenses. Yesterday's approach to retirement -- living off of dividends, interest and a pension -- is no longer a viable option for most retirees. Annuities are costly and inflexible. The traditional approach of managing a portfolio has disadvantages. Enter the matching approach. Let us show you how how creating the Matching Bucket and the Growth Bucket can provide security, peace of mind, and long-term financial independence during good and bad markets. 

What are top strategies to minimize income taxes?

A good advisor may help you save tens or hundreds of thousands of dollars leading up to and through retirement.  You have come to the right place.  Whether it is maximizing benefits at your workplace, implementing Roth conversions at key years around your retirement date, or developing a tax-effective withdrawal strategy, our tax-focused advisors lead by a CPA and tax lawyer seek ways to minimize taxes that are integrated with your overall financial plan. 

How do I discover and define my purpose in retirement?

Your retirement may look quite different than your parents' retirement. Better health, increased longevity, and greater wealth can lead to the best stage of life yet.  Whether you call this period the Third Act, rewirement, retirements, or the new retirement, what are you going to do with it?  Our life-centered approach to financial planning is about way more than investments, tax-efficient withdrawal strategies, and budgets -- it's centered on your life.

What's the right mix of stocks and bonds?

As a near-retiree and retirees, your asset mix should be quite different than it was 10 years ago. You need income for the short and medium-term, yet you need growth to out pace inflation and meet your long-term needs. Crafting the right mix of stocks and bonds with a focus on tax-efficiency, lower-cost investments, and evidenced based investing can make all the difference in providing the financial independence you deserve.

When is the right time to take my Social Security and pension?

The right time to take Social Security is not the same for everyone. We will review your cash flow, your income taxes, and your overall situation in making our recommendations.  Similarly, deciding whether to take your pension as a lump sum or an annuity is dependent on factors unique to you, the interest rates, and other factors.

How do I select the right health insurance?

Health costs in retirement can be dramatic, but it doesn't have to cause stress. Whether you are retiring before Medicare age and need to evaluate qualifying for health insurance subsidies or you are trying to evaluate Medicare Supplemental policies, it's critical to use an advisor that analyzes this decision in an integrated manner while focusing on the details of this critical need.

How do I leave a legacy to my loved ones?

Whether you plan to leave assets to your spouse, your children, your grandchildren, or your favorite charities, you may need to update key documents to ensure your estate passes to your heirs  rather than others or the government:

  • Wills and trusts
  • Beneficiary designations
  • Durable power of attorney, living wills, and health care surrogate.


Download a free guide


15 Steps to Financial Freedom

Learn key steps to take in reaching your financial goals and finding financial freedom. Don't let the whirlwind of life prevent you from taking action. Download today! 


Get Started


Step 1

Schedule a Call 

Or call Mel and Steve today!

Tampa: 813-540-0978
Orlando/Jax: 407-434-9698

Share your goals, concerns, and background.

Step 2

Meet With Advisor

Engage in a dialogue where we listen and learn. We present our services to help determine if there is a good match.

Virtual Meetings or In-Person in Tampa, Orlando, or Jacksonville.

Step 3

Start planning and investing

Get on the road to clarity and on the path to confidence.  

Planning is a lifetime journey.  It starts today!



Services – Investment Management and Financial Planning



Investment Management Strategies

Goals-based investment management. See why we leverage Dimensional Fund Advisors.



icon

Index-investing with a twist

Low-cost approach that lies between passive investing and active investing.

icon

Evidenced-based investing

While staying diversified, we seek to tilt our allocations for favorable long-term returns. 

icon

Ties to your financial plan

Your situation is unique.  Your investment management program should tie to your unique needs and evolve as your situation changes.

More on Investment Management


Tailored Financial Planning

Our financial planning and financial advisory services start with understanding your situation and developing a written list of your goals and concerns.  From there, we cover a wide range of financial planning issues in an integrated fashion. 

icon

Retirement Planning

Whether you are already retired or planning to retire, you want to know how long you can sustain your desired level of spending and what changes need to be made.

icon

Income Tax Planning

Consulting to spot tax-minimization opportunities by reviewing your current situation and by preparing forward-looking cash flow and tax projections

icon

Investment Advisory

We review your current asset allocation and investment choices across all your investments and discuss any hidden fees that you may be paying.

icon

Estate Planning

Getting clarity on your estate planning documents and beneficiary designations is critical – it is too important to ignore.

icon

Risk Management

Having the right amount of insurance determined by an objective review will help protect your assets without overpaying for insurance that may be “sold” to you.

icon

Life Planning

Planning is much more than just looking at numbers. Life-integrated planning involves exploring living an intentional life with the financial clutter in the rear-view mirror. 

More Planning Services


Leveraging technology for better analysis and understanding


Technology dashboard


Custom analysis

Detailed financial modeling with spreadsheets (for numbers people) and graphs (for visual people)

Personal advice 

Credentialed financial advisors leverage sophisticated planning tools to analyze your situation and make appropriate recommendations.

Real-time information.

You can see where you are in real-time on any device – mobile, laptop, computer.


Alliances


Steve Martin is a member of The National Association of Personal Financial Advisors (NAPFA), The Alliance of Comprehensive Planners (ACP), and Garret Planning Network,  is part of the Fee Only Network, is a CFP® practitioner, and holds his CPA and JD. Mel Bond is a Chartered Financial Analyst (CFA) and Certified Kingdom Advisor (CKA), and is a member of those organizations.*   Our affiliation with these national organizations allows us to bring even more resources and knowledge to our clients!