Local enough to be useful
The Boca office is 3 miles south of Highland Beach. Easy in-person meetings when you want them, hybrid going forward.
Fee-based wealth management for Highland Beach residents at the coast, served from our Boca Raton office just 3 miles south. Built around the planning needs of an established coastal community.
The Boca office is 3 miles south of Highland Beach. Easy in-person meetings when you want them, hybrid going forward.
Highland Beach has one of the highest median household incomes in Florida. Our practice is built for the planning at that level: estate, charitable, intergenerational.
Fee-based, fully disclosed, no proprietary products. The wirehouse alternative for Highland Beach families who want a more direct relationship.
Many Highland Beach clients are planning across generations. Trusts, beneficiary structures, charitable trusts, gifting strategies.
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.
Highland Beach sits between Boca Raton and Delray Beach along A1A. Most of our Highland Beach clients live in the coastal condominium developments or the residential pockets just inland. The Boca office is 3 miles south, making in-person meetings easy.
Three things that matter to Highland Beach residents.
Both offices are within a short drive of most Highland 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 Highland Beach clients:
Fee-based fiduciary financial planning for Highland Beach households. Cash flow, tax positioning, retirement drawdown, and estate coordination as a written plan.
See financial advisors highland 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 Highland Beach 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 moved to Highland Beach from Massachusetts two years ago. Beth helped us with the residency change, the inherited brokerage accounts from my mother, and the new estate plan that finally fits our situation in Florida."
"The charitable trust we set up was the biggest single tax planning move of our retirement. Beth coordinated the whole thing with our estate attorney and made sure the funding actually happened."
"We moved here from Connecticut in our late 60s and the estate plan we brought with us was a mess. The team rebuilt it around our new Florida residency and made sure the inheritances flowed the way we actually wanted."
For condo owners along the A1A corridor in Highland Beach, the Florida Structural Integrity Reserve Study requirements took full effect on January 1, 2026. Associations can no longer waive or underfund reserves for roofs, load-bearing walls, plumbing, and other structural systems. For owners in buildings like Toscana or Coronado, this often means special assessments and higher monthly dues than budgeted for.
Median home value in Highland Beach is $909,000 (US Census ACS), and special assessments can run into the tens of thousands per unit. Where these assessments come up mid-retirement, the question becomes which account to draw from without disrupting the broader income plan. We look at taxable accounts, IRA distribution timing, and Roth conversion coordination to find the option with the least tax friction.
For clients still in the accumulation years but planning to buy on A1A, we build the reserve assessment risk into the initial cash flow model from day one.
Highland Beach is quiet by design. Median resident age is 70.8 years. Many residents split time between South Florida and states like New York, New Jersey, or Massachusetts. Establishing Florida residency for state tax purposes involves more than the calendar test.
The documentation that matters most: time-in-state records, primary-home records, voter registration, driver's license issuance, and where financial accounts and estate documents are formally sourced. We help clients organize that documentation cleanly so it's ready if their prior state asks questions later.
We coordinate with your CPA and estate attorney on the pieces they own: the tax returns, the trust and will updates, and any state-specific filings. The goal is a domicile transition that's clean on paper from the start.
Highland Beach has an unusually high concentration of long-time coastal residents; 63.5% of the population is over 65 (US Census ACS). For families in this stage, the planning focus often shifts from accumulation to how wealth moves to the next generation and to charitable interests.
The work is coordinated with your estate attorney, who owns the drafting of trusts and wills. Our part is on the assets held inside those structures. We review beneficiary designations across accounts, look at gifting strategies against your annual and lifetime exclusion, and structure the investment portfolio's timeline to match how the estate is set up to distribute.
For families with substantial appreciated positions, we also look at charitable planning options like donor-advised funds and qualified charitable distributions from IRAs, which can meet giving intentions while managing tax exposure.
Posts our wealth advisors have put together on this topic.
Our Boca Raton office is about 3 miles south of Highland Beach, roughly 10 minutes by car outside of high-season traffic. We don't have a Highland Beach office, but most clients find the Boca location convenient.
Our practice is built for households at incomes of $250,000 and up, plus business owners, professional women, widows, and inheritors at similar wealth tiers. That reflects most of the Highland Beach demographic. The planning at higher net worth levels typically involves more estate planning coordination, more charitable structure work, and more multi-generational planning.
Yes. Residency change planning involves the financial side (state tax positioning, the timing of any large taxable events relative to the move) and the documentation side (domicile establishment, real estate timing, voter registration, vehicle titling). We coordinate with your tax counsel on the formal documentation.
Most in-person meetings happen at the Boca office. For specific situations we can meet at your residence in Highland Beach, but the default is the office to keep meetings efficient.
Yes. The 2026 Florida reserve requirements are creating meaningful cash flow decisions for condo owners along the coast. We help clients decide which accounts to draw from to fund an assessment while keeping the broader retirement plan on track.
The Boca Raton office on North Federal Highway is just a few minutes south of Highland Beach, so in-person reviews are convenient for most residents.
3 miles down A1A. About 10 minutes outside of season. We try to be respectful of that and consolidate meetings when possible. Most ongoing client relationships move to a quarterly in-person plus video cadence after the first few meetings.
Highland Beach is a coastal community between Boca Raton and Delray Beach along A1A. Roughly three miles long, mostly residential, with a concentration of coastal condominium towers, gated single-family enclaves, and one of the highest median household incomes in Florida. Many residents are retirees who relocated from the Northeast and Midwest, or part-time residents who maintain primary homes elsewhere.
Highland Beach clients tend to need the kind of work that comes with concentrated wealth: estate planning at scale, multi-state residency coordination, intergenerational planning, charitable giving structures, and the inherited-asset planning that comes with relocating from a high-tax state.
The Highland Beach (served by our Boca Raton office, 3 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.