Fiduciary on every recommendation
Our CFP is held to the fiduciary standard. Legally required to act in your best interest on every recommendation. What fiduciary means →
Work with a fee-based financial advisor in Boca Raton handling cash flow, net worth, retirement, tax, estate, and the roadmap that ties it together. South Florida and virtual nationwide.
Our CFP is held to the fiduciary standard. Legally required to act in your best interest on every recommendation. What fiduciary means →
Most of our compensation is advisory fees, disclosed up front. Where commissions apply (insurance, annuities) we disclose those too. See fee-based vs fee-only →
The investment strategy, the tax plan, and the estate work all reference each other. You stop running three different conversations across three different advisors.
The accountability and coaching around real decisions is where most of the value shows up. The math is the easy part. Showing up to do the work is harder.
You work with the planning team that knows your file. our enrolled agent handles tax preparation in-house for clients. Not a different advisor every year.
Offices in Boca Raton and Plantation. Most existing clients run hybrid after the first one or two meetings. Move out of state, keep your advisor.
Financial planning is the work of building a coordinated map of your money. Where it comes in, where it goes, what it has to do for you, and over what time frames. The version most people get sold is a glossy PDF. The version that works is a living document that gets reviewed every year as your life changes.
At Intercoastal, the planning engagement starts the same way every time. A discovery conversation, a deep look at where you're today, then a draft plan with the decisions you need to make first. From there it becomes ongoing work, with meetings on a cadence that matches what your situation needs.
Three things that shape how we deliver financial planning for South Florida clients.
Financial 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.
If you only want one of these, that's fine. Most clients start with one specific problem (a rollover, a Roth conversion, a sale of a business) and the planning work grows from there.
Intercoastal 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.
The full picture of who we serve is on the pre-retiree, widows, divorced women, executive, and business owner pages.
Most planning relationships are billed as a percentage of assets under management, in line with industry-standard advisory fees. The fee covers the planning work, ongoing reviews, investment management, and access to the team. We disclose the fee schedule before you sign anything.
Where commissions on insurance or annuity products apply, we disclose those separately. Read the full fee-based vs fee-only breakdown →
Most planning relationships begin with one specific problem. These are the most common entry points into the broader work.
Rolling over a 401(k), 403(b), or old employer plan. The mechanics, the tax considerations, and where to land the money.
See ira rollover planning →Multi-year tax modeling, conversion ladders, and the right timing for clients with growing taxable balances.
See roth conversion strategy →When to claim, how spousal benefits work, and how Social Security fits the broader retirement plan.
See social security optimization →529s, prepaid tuition plans, and the college funding strategy that fits your broader plan.
See 529 plan & college planning →Life, disability, long-term care, and annuity review. What you have, what fits, what doesn't.
See insurance review →Behavioral coaching and accountability for clients who want a personal-trainer approach to money decisions.
See financial coaching →Most clients come to us at a life or work transition. The planning approach changes depending on where you are.
"Our planning team built us a plan that finally connected our investments, the tax stuff, and the estate work. Before this we had three people doing three things that didn't talk to each other."
"We started with a 401(k) rollover and ended up with a real plan. They didn't push more services. They just kept being useful."
"The first meeting was an actual conversation about what we wanted. Not a pitch. We left with homework, not a contract to sign that day."
Posts our wealth advisors have put together on this topic.
In practice, the terms overlap heavily. The cleaner distinction: a CFP (Certified Financial Planner) holds a specific credential focused on full personal financial planning. "Financial advisor" is the broader term used by people who manage investments, sell insurance, or both. At Intercoastal, you work with a CFP who handles planning, investment management, tax positioning, and estate coordination as one connected practice. More on the fiduciary standard →
Most ongoing advisory relationships are billed as a percentage of assets under management, with the rate scaling down as assets grow. Some firms also offer flat-fee or hourly arrangements. The right answer depends on the size and scope of the plan. At Intercoastal we disclose the full fee schedule before any engagement, including any commission compensation on insurance or annuity products.
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. To check fit, schedule a consultation.
A fee-based wealth management firm is compensated primarily through advisory fees that are disclosed up front, and the advisory work is held to the fiduciary standard. Fee-based is distinct from fee-only because additional product categories may apply at the client's direction, with separate disclosure. See the full breakdown →
No. The two offices serve Boca Raton, Plantation, and the surrounding Palm Beach and Broward County communities, but we're licensed to advise clients in all 50 states. Many existing client relationships run fully virtually after the first one or two in-person meetings.
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.
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.