Island-resident planning
Palm Beach is geographically distinct. Most residents have primary homes, second homes, or both, and need planning that respects the seasonal lifestyle and the multi-property work.
Wealth management in Palm Beach, FL for the island's full-year and seasonal residents. Served from our Boca Raton office, with the planning depth that fits the highest concentration of wealth in South Florida.
Palm Beach is geographically distinct. Most residents have primary homes, second homes, or both, and need planning that respects the seasonal lifestyle and the multi-property work.
Most Palm Beach clients have estates that need real estate-tax planning, multi-generational structures, and trust coordination across jurisdictions.
Meaningful charitable involvement is the norm in Palm Beach. Donor-advised funds, charitable trusts, and gift planning are core conversations.
Many Palm Beach clients maintain residency in multiple states or countries. The financial coordination and the tax-positioning timing matter.
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.
The Palm Beach (served by our Boca Raton office, 25 miles south). Address: Boca Raton, FL 33432.
Three things that matter to Palm Beach residents.
Both offices are within a short drive of most Palm 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 from our menu is available to Palm Beach clients, whether you meet at our Boca Raton office or work with us by video:
Fee-based fiduciary financial planning for Palm Beach households. Cash flow, tax positioning, retirement drawdown, and estate coordination as a written plan.
See financial advisors palm 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 →Most Palm Beach clients fit one or more 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.
"Our primary residence is in Palm Beach for half the year, with the rest split between New York and Aspen. The team handles the residency timing, the multi-state tax positioning, and the broader estate plan. Worth every minute."
"The charitable strategy work has been the single largest tax planning move of our retirement. The donor-advised fund, the charitable remainder trust, and the appreciated-stock gifting all coordinate as one approach."
"After my husband passed in 2023, the estate work was real. The team coordinated with our New York attorney and our Palm Beach attorney to handle the multi-jurisdiction issues cleanly. The patience matters at moments like this."
Palm Beach has a distinct financial profile. The Census caps its median home value at $2M, but properties in the Estate Section, along Worth Avenue, or on the North End regularly trade at multiples of that. 63.5% of residents are over 65 (US Census ACS), which shifts the primary planning focus from accumulation to how the wealth transfers.
The estate attorney owns the legal drafting of trusts and wills; our part is the ongoing coordination of the assets held inside those structures. We review beneficiary designations across every account, model the liquidity needs to settle potential estate tax obligations, and structure the investment portfolio's timeline to match how the estate is set up to distribute.
For families where multi-generational transfer is the primary focus, we also look at strategies like grantor trusts, GRATs, and lifetime gifting against the current lifetime exclusion. Each family situation is different, and the coordination between the investment plan and the estate documents is what makes the strategy actually execute cleanly.
Philanthropy is a defining part of the culture on the island. For many Palm Beach residents, charitable giving is already meaningful; the planning work is around making it efficient.
Two common structures worth considering: donor-advised funds and qualified charitable distributions from IRAs. Donor-advised funds allow bunching multiple years of contributions into a single tax year (useful when income spikes from a business sale or an unusually large capital gains year), while keeping the actual grants to charities on a longer timeline. QCDs from IRAs allow clients age 70½+ to satisfy their required minimum distribution by giving directly to qualified charities, without recognizing the distribution as taxable income.
For clients with highly appreciated stock, gifting the shares directly to a charity (rather than selling and donating cash) is often the more tax-efficient path. Our Enrolled Agent handles the tax coordination so the giving strategy aligns with the broader return.
Owning primary and secondary homes on the island creates a specific cash flow pattern. Property tax bills, insurance premiums, staff, and general maintenance on multi-million dollar residences represent meaningful monthly obligations.
The planning question is where the liquidity for those obligations comes from throughout the year. For clients with heavy real estate positions, the investment portfolio needs to hold enough liquid, income-producing assets that the recurring bills are covered without being forced to sell equity positions at inopportune times.
We build the cash flow model with actual numbers for each residence: annual property taxes, insurance renewals, staff and vendor obligations, and any major planned maintenance. The investment strategy then reflects those actual liquidity requirements, rather than assuming a generic withdrawal rate.
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No. Our Boca Raton office is about 25 miles south, roughly 30 minutes by car outside of high-season traffic. We can arrange in-person meetings at your residence in Palm Beach for established clients when needed.
Our practice handles a meaningful concentration of clients at higher wealth tiers, including the Palm Beach UHNW segment. The work involves deeper estate planning coordination, more charitable structure work, and more multi-jurisdiction tax positioning.
Yes. Most Palm Beach planning relationships involve close coordination with the client's existing estate attorney. We handle the financial-side work; the attorney handles the document drafting.
Many Palm Beach clients maintain residency in multiple states. The planning involves both the tax-positioning work (when to be a Florida resident and what large taxable events to time around it) and the documentation work (domicile establishment, voter registration, vehicle titling, etc.). We coordinate with your tax counsel.
Yes. We serve as the central coordination point between the client's estate attorney, CPA, and any other trusted professionals, so the investment strategy and estate documents actually operate together.
70.4 years, which means most planning conversations focus on required minimum distributions, wealth transfer, and tax efficiency rather than early accumulation.
Palm Beach is an island town across the Intracoastal from West Palm Beach in northern Palm Beach County. About 16 miles long, mostly residential, with a concentration of historic oceanfront and lakefront estates plus condominium towers along South Ocean Boulevard. The full-time population is roughly 9,000, but the seasonal population swells substantially in the November-to-April months.
The Palm Beach client base skews ultra-high-net-worth, with multi-property residency, layered estate structures, real charitable involvement, and frequent multi-state or international tax coordination needs. The planning conversations are different from Boca or Fort Lauderdale: estate, charitable, and intergenerational work dominates, with investment management as a supporting layer rather than the lead conversation.
The Palm Beach (served by our Boca Raton office, 25 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.