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CERTIFIED FINANCIAL PLANNER Working Across Your Whole Plan.

Work with a fee-based certified financial planner in Boca Raton handling cash flow, net worth, retirement, tax, estate, and the roadmap that ties it together. South Florida and virtual nationwide.

Schedule A Consultation Call (561) 210-7339
  • Fiduciary CFP®
  • Fee-Based
  • Whole-Plan Coordination
  • Boca + Plantation Offices
Why Clients Choose Us

What a real financial planning relationship looks like.

Fiduciary on every recommendation

Our CFP is held to the fiduciary standard. Legally obligated to put your interests first on every recommendation. What fiduciary means →

Fee-based, fully disclosed

Most of our compensation is advisory fees, disclosed up front. Where commissions apply (insurance, annuities) we disclose those too. See fee-based vs commission-based →

One coordinated plan

The investment strategy, the tax plan, and the estate work all reference each other. You stop running three different conversations across three different advisors.

Personal trainer for your money

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.

Direct access, no 1-800 number

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.

Licensed in all 50 states

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.

certified financial planning for clients

What financial planning actually involves.

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.

Our Approach

How Financial Planning works at Intercoastal.

Three things that shape how we deliver financial planning for South Florida clients.

01

Coordinated, not siloed

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.

02

Personal, not templated

No off-the-shelf model portfolios or boilerplate plans. The recommendations match your specific income, tax bracket, family situation, and timeline.

03

Ongoing, not transactional

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.

financial planner

What a full plan covers.

  • Cash flow and net worth. A clear view of what comes in, what goes out, and where the leaks are.
  • Goals and priorities. Retirement, education funding, business exit, charitable giving, real estate, the next ten years. Whatever matters to you.
  • Investment strategy. Tied to your time frames and risk tolerance, not to a model portfolio. 
  • Tax positioning. Year-round, not just at filing. Roth conversion strategy, tax-sensitive investing, capital gains planning. 
  • Retirement income. The sequence of withdrawals matters more than the dollar amount. 
  • Estate and legacy. Beneficiary review, intergenerational wealth transfer, charitable giving. 
  • Insurance review. Life, disability, long-term care, annuity. 

Who we work with.

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.

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Related Services

Common starting points.

Most planning relationships begin with one specific problem. These are the most common entry points into the broader work.

Who We Serve

Built for specific moments in life. 

Most clients come to us at a life or work transition. The planning approach changes depending on where you are.

Financial Planning for Widows

Financial Planning for Divorced Women Financial Planning for Professional Women Financial Planning for Executives

Financial Planning for Business Owners Financial Planning for Inheritors

Financial Planning for Pre-Retirees

What we don't do.

Contact Us Today

We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.

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QUESTIONS, ANSWERED

Common questions about Financial Planning

A financial planner, especially a Certified Financial Planner, builds a full personal financial plan, while "financial advisor" is a broader title that can cover investment managers and insurance agents. At Intercoastal Wealth Planning, you work with a CFP who handles planning, investment management, tax positioning, and estate coordination as one connected practice.

Most financial advisors charge an annual fee based on a percentage of assets under management, and the rate usually steps down as assets grow. Some also offer flat or hourly fees. Intercoastal Wealth Planning discloses its full fee schedule before any engagement, including any commission earned on insurance or annuity products.

A financial planner at Intercoastal Wealth Planning works mostly with households earning $250,000 or more, plus business owners, professional women, widows, and inheritors at similar wealth levels. The planning is built for long-term, coordinated relationships. If you're unsure whether you fit, a complimentary consultation will answer that question quickly.

A financial plan from a CFP covers cash flow, net worth, retirement projections, investment strategy, tax planning, insurance, and estate coordination in one written document. At Intercoastal Wealth Planning, the plan is reviewed semiannually and updated whenever something big changes, like a new job, a home sale, or a death in the family.

Yes, you can work with a financial planner at Intercoastal Wealth Planning from anywhere in the U.S. because the firm is licensed in all 50 states. Most local clients meet at the Boca Raton or Plantation office at first, and many relationships move fully to video after the first one or two meetings.

You likely need a financial planner if you're facing a decision with long-term tax or retirement consequences, such as a job change, an inheritance, a business sale, or retirement within ten years. A CFP shows you how one decision affects the rest of your plan before you make it, not after the fact.

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300
Boca Raton, FL 33432
(954) 809-3553
Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320
Plantation, FL 33324
(954) 809-3553
Monday to Friday, 8:30 AM to 4:30 PM ET
Serving

South Florida cities and neighborhoods

Palm Beach County

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Broward County

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Ready to talk about Financial Planning?

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.

Schedule A Consultation