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Financial Planner


★ ★ ★ ★ ★
5/5

Financial Advisor in Boca Raton Working Across Your Whole Plan

Work with a fee-based financial advisor 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 (954) 809-3553
Fiduciary CFP® Fee-Based Independent Firm 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 required to act in your best interest on every recommendation.

Fee-based, fully disclosed

Most of our compensation is advisory fees, disclosed up front. Where commissions apply (insurance, annuities) we disclose those too.

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.

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.

1 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.

2 Personal, not templated

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

3 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.

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.

What it costs.

Most planning relationships are billed as a percentage of assets under management, in line with industry-standard advisory fees. The fee covers the planning work, ongoing reviews, investment management, and access to the team. We disclose the fee schedule before you sign anything.

Where commissions on insurance or annuity products apply, we disclose those separately. Read the full fee-based vs fee-only breakdown →

OUR APPROACH

Common starting points.

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

IRA Rollover Planning

Rolling over a 401(k), 403(b), or old employer plan. The mechanics, the tax considerations, and where to land the money.

See ira rollover planning →

Roth Conversion Strategy

Multi-year tax modeling, conversion ladders, and the right timing for clients with growing taxable balances.

See roth conversion strategy →

Social Security Optimization

When to claim, how spousal benefits work, and how Social Security fits the broader retirement plan.

See social security optimization →

529 Plan & College Planning

529s, prepaid tuition plans, and the college funding strategy that fits your broader plan.

See 529 plan & college planning →

Insurance Review

Life, disability, long-term care, and annuity review. What you have, what fits, what doesn't.

See insurance review →

Financial Coaching

Behavioral coaching and accountability for clients who want a personal-trainer approach to money decisions.

See financial coaching →

Schedule Your Free Consultation

No obligation. We respond the same business day.

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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.

Widows Divorced Women Professional Women Executives Business Owners Inheritors 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

  • In practice, the terms overlap heavily. The cleaner distinction: a CFP (Certified Financial Planner) holds a specific credential focused on full personal financial planning. "Financial advisor" is the broader term used by people who manage investments, sell insurance, or both. At Intercoastal, you work with a CFP who handles planning, investment management, tax positioning, and estate coordination as one connected practice. More on the fiduciary standard →
  • Most ongoing advisory relationships are billed as a percentage of assets under management, with the rate scaling down as assets grow. Some firms also offer flat-fee or hourly arrangements. The right answer depends on the size and scope of the plan. At Intercoastal we disclose the full fee schedule before any engagement, including any commission compensation on insurance or annuity products.
  • 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. To check fit, schedule a consultation.
  • A fee-based wealth management firm is compensated primarily through advisory fees that are disclosed up front, and the advisory work is held to the fiduciary standard. Fee-based is distinct from fee-only because additional product categories may apply at the client's direction, with separate disclosure. See the full breakdown →
  • No. The two offices serve Boca Raton, Plantation, and the surrounding Palm Beach and Broward County communities, but we're licensed to advise clients in all 50 states. Many existing client relationships run fully virtually after the first one or two in-person meetings.
  • Start with the fiduciary standard. Is the advisor legally required to act in your best interest at all times, on every recommendation? Then check credentials (CFP is the gold standard for personal financial planning), compensation transparency, and how they handle the unglamorous parts of the job. Beneficiary updates, tax coordination, the email you send at 9 PM.

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

Boca Raton Highland Beach Delray Beach Boynton Beach West Palm Beach Palm Beach Palm Beach Gardens

Broward County

Plantation Fort Lauderdale Coral Springs Weston Cooper City Parkland

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