Built for the Delray demographic
Median resident age in Delray Beach is 51. The planning at that life stage is what we do most: Roth conversions, Social Security timing, retirement income sequencing.
Fee-based wealth management for Delray Beach families in the 33483 pocket and across the city. Served from our Boca Raton office 10 miles south, built for the planning needs of an established coastal community.
Median resident age in Delray Beach is 51. The planning at that life stage is what we do most: Roth conversions, Social Security timing, retirement income sequencing.
33483 (east of Federal Highway, along the coast) is the affluent slice of Delray. Our planning fits the household income and net worth that comes with it.
Fee-based, fully disclosed, no wirehouse pressure. The alternative to the Boca/Delray big-name firms for clients who want a real relationship.
10 miles south, easy I-95 access. Most first meetings happen in Boca. Many ongoing relationships shift to a hybrid cadence.
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.
Delray Beach sits on the coast between Boca Raton and Boynton Beach. Most of our Delray clients live in the 33483 zip code (the coastal slice east of Federal Highway), the established residential pockets west of US-1, or in the country club communities slightly inland. The Boca office is 10 miles south, easy I-95 access for in-person meetings.
Three things that matter to Delray Beach residents.
Both offices are within a short drive of most Delray Beach 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 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 Delray Beach clients:
Fee-based fiduciary financial planning for Delray Beach households. Cash flow, tax positioning, retirement drawdown, and estate coordination as a written plan.
See financial advisors delray beach →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 →Many Delray 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 retired to Delray five years ago from New Jersey. Beth helped us with the residency change, the estate plan update, and the income strategy for the years ahead. Worth the 15-minute drive to Boca."
"After my husband passed I needed someone who could explain the survivor benefit and the estate work. Beth was patient and got me organized in a few meetings. The 10-minute drive to Boca is fine."
"I run Roth conversions every year in the gap between when I stopped working and when RMDs start. The cumulative tax savings is real. Beth runs the model and pulls the trigger before year-end."
"We live in East Delray and the 15-minute drive to Boca is fine for the quarterly meetings. The Social Security planning, the Roth conversion strategy, and the estate plan rewrite after our move all happened in the first year. Worth it."
The commercial success along Atlantic Avenue and Pineapple Grove has produced a large founder community in Delray Beach. For business owners here, the sale or transition of the company is often the single largest financial event of their working life.
The planning work that has the most impact starts 18 to 24 months before the transaction. Tax positioning, deal structure choices (asset sale vs stock sale, installment structures, seller financing), and the post-sale income plan all benefit from being modeled ahead of the closing table. We work alongside your business attorney and CPA when a sale is contemplated.
Our part is the personal-finance side of the transaction. What the proceeds need to fund on an ongoing basis, how the estate plan should shift once significant liquidity is present, and how the mix of accounts changes when the founder moves from operator income to portfolio income.
For women rebuilding financial independence after divorce, the first 6 to 12 months are typically about stabilizing. What you have, what your income now looks like, and what the near-term cash flow actually is. In Delray Beach, where the median home value is $420,000, one of the earliest decisions is often whether to keep the marital home or sell it.
We help clients work through that decision with real numbers. Property taxes, insurance, maintenance, and the opportunity cost of the equity all factor in. From there the longer-term rebuild begins. Retirement projections that used to assume two incomes need to be rebuilt around one. Beneficiary designations that listed the ex-spouse need updating. The estate plan you had as a couple usually needs a fresh look.
We provide the structure and the coaching to move through these decisions at a pace that fits, rather than under time pressure. The goal is clarity, one decision at a time.
The real estate market in Delray Beach continues to attract meaningful investor capital. Many local investors now hold appreciated commercial or residential properties in areas near Pineapple Grove or the eastern coastal blocks, and concentration in a single asset class becomes worth reviewing.
For investors thinking about selling one or more properties, the planning options are worth working through before the transaction. 1031 exchanges into like-kind properties, installment sales, and Qualified Opportunity Zone investments each have their own tax profile and their own tradeoffs. Our in-house Enrolled Agent handles the tax coordination, so the property decision aligns with the overall tax picture rather than being modeled in isolation.
We also look at diversification for investors whose net worth is heavily concentrated in real estate. Moving some of the equity into more liquid, income-producing investments can give more flexibility for retirement cash flow without giving up the tax advantages the real estate provided during accumulation.
Posts our wealth advisors have put together on this topic.
Our Boca Raton office is about 10 miles south of Delray Beach, roughly 15 minutes by car outside of high-season traffic. We don't have a Delray office. Most first meetings happen in Boca.
Retirement income planning is one of our largest single specialty areas. The withdrawal sequencing, the RMD planning, the Social Security claim timing, and the healthcare or Medicare coordination are core to what we do. Many of our Delray clients are in this exact stage.
Yes, and it's one of the most common situations we work with for relocated Delray clients. The existing estate plan often reflects the old state's rules and the old family situation. We coordinate with a Florida estate attorney on the document updates and handle the financial-side coordination.
Most in-person meetings happen at the Boca office. For specific situations (mobility issues, very large initial consultations, certain family meetings) we can meet at your residence, but the default is the office.
Yes. Beth Bennett is a Certified Financial Planner and Certified Financial Fiduciary. We're legally required to act in the client's best interest on every recommendation across every account.
We build a full cash flow analysis with the specific property taxes, insurance, and maintenance costs, then compare against the client's post-divorce income and long-term goals. The answer isn't the same for every client, and it depends heavily on the actual numbers.
10 miles down I-95. About 15 minutes outside of season. We try to consolidate meetings into focused conversations and respect your time getting there.
Delray Beach is a coastal Palm Beach County city between Boca Raton and Boynton Beach. The 33483 zip code (east of Federal Highway, along the coast) is the affluent slice, with established residential streets, walkable downtown access along Atlantic Avenue, and a concentration of retirees and pre-retirees. Inland neighborhoods skew toward families and country club communities. Median resident age in the city is 51.
Most of our Delray clients are in or near retirement and need the kind of work that goes with that stage: withdrawal sequencing, RMD planning, Social Security claim timing, healthcare coverage decisions, and estate plan updates that often need to reflect a recent move from out of state.
The Delray Beach (served by our Boca Raton office, 10 miles south). 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.