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 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.
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.
Most of our compensation is advisory fees, disclosed up front. Where commissions apply (insurance, annuities), we disclose those too. Honest about it.
Pre-retirees, business owners, widows, professional women, and HNW families are all part of the Boca demographic mix. The planning is built around the situations that show up in this market.
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.
We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.
Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.
Our Boca Raton office serves the city itself and the surrounding communities. Established Boca neighborhoods include 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.
Three things that matter to Boca Raton residents.
Both offices are within a short drive of most Boca Raton households. First meetings are in person; ongoing reviews are your choice: in-office, video, or a mix. Clients pick the office that fits their schedule.
Florida has no state income tax, but the planning still involves federal brackets, the homestead exemption and Save Our Homes portability, and the SIRS assessment landscape for coastal condo owners. Local knowledge saves years of guessing.
South Florida households frequently move. Kids move states, retirement moves them north, snowbird lifestyles split residency. Because we hold licensing in all 50 states, the relationship continues without restart when residence changes.
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.
The first meeting is a conversation. We map what's going on, what matters most, and whether we're the right fit. In person in Boca Raton or Plantation, or by video from anywhere.
Every service we offer is available to Boca Raton clients:
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 →Portfolio construction, asset allocation, tax-sensitive investing managed locally.
See investment management →Income strategy, IRA rollovers, Social Security timing, RMDs, healthcare bridge.
See retirement planning →Year-round positioning. Tax-loss harvesting, Roth conversions, charitable giving timing.
See tax planning →Beneficiary audits, trust funding, legacy planning, coordinated with your attorney.
See estate planning →401(k), 403(b), and old employer plan rollovers handled as direct trustee transfers.
See ira rollover planning →When to claim, spousal coordination, and how the claim fits the income sequence.
See social security optimization →Multi-year tax modeling for the low-income window between work and RMDs.
See roth conversion strategy →Education savings, Florida Prepaid, grandparent funding, FAFSA coordination.
See 529 plan & college planning →Life, disability, long-term care, and annuity review without the sales pitch.
See insurance planning →Behavioral coaching and accountability that turns the plan into actual decisions.
See financial coaching →Donor-advised funds, charitable trusts, QCDs from IRAs, appreciated security donations.
See charitable giving strategies →Revocable living trusts coordinated with your estate attorney. Funding and titling, done right.
See trust planning →Family transitions, internal sales, ESOPs, plus the post-transition personal plan.
See business succession planning →Pre-sale tax positioning, deal-structure planning, post-sale wealth strategy.
See business exit planning →Most Boca clients fit one of these descriptions:
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.
For founders and owners. The planning runs from operating the business through eventual transition or sale.
For C-suite leaders with concentrated equity, deferred compensation, and the planning that comes with senior roles.
For clients receiving an inheritance, sudden or expected. Help making steady decisions in a moment when steady is hard.
For women in their career-building years working through equity comp, executive comp, and the planning that supports both.
For women rebuilding financial independence after divorce. Coaching, accountability, and a real plan for what's next.
For women facing financial decisions for the first time after the loss of a spouse. Patience and a step-by-step approach.
"We were tired of getting passed between advisors at the same big-name firm. Found Beth through a referral. Independent, fee-based, and she actually called us back. The Boca office is convenient."
"Beth helped me settle my husband's estate and rebuild the financial plan around one person instead of two. Patient, organized, and never pushed."
"We sold the business and needed a real post-sale wealth plan. Beth coordinated the pre-sale tax work with our CPA and built the plan for what came after."
"We've lived in Boca Pointe for 20 years and tried two of the big-name firms in Boca over that time. The Intercoastal relationship is finally what we wanted. They know our names, they know our situation, and the work actually gets done."
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.
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.
Fixed costs look different in Boca Raton than they do elsewhere. Buying into gated communities like Royal Palm Yacht & Country Club or Boca Pointe often means mandatory equity club memberships, annual dues, and HOA assessments that scale over time. These aren't overhead. They're structural inputs to the retirement cash flow model.
We build the model with the actual numbers. Club dues, HOA assessments, property taxes on coastal homes, insurance renewals: each becomes a line item in the projection. That way the withdrawal strategy from investment accounts, IRAs, and Social Security actually matches the lifestyle the client wants, rather than assuming a national-average retirement budget that doesn't apply here.
Posts our wealth advisors have put together on this topic.
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.
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.
The Boca Raton Office. Address: Boca Raton, FL 33432.
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.