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retirement planning in boca raton from first rollover to last rmd.

Retirement planning in Boca Raton covering income strategies, IRA and 401(k) rollovers, Social Security timing, and RMDs. For South Florida pre-retirees and clients already drawing on their assets.

Schedule a Consultation Call (954) 809-3553

Fiduciary CFP® Fee-Based Independent Firm Boca + Plantation Office

WHY CLIENTS CHOOSE US

The years right before and right after retirement matter most.

5 to 10 years before retirement

This is the window where most of the levers still work. Roth conversions, healthcare planning, claiming strategy modeling, last-decade tax positioning.

Income strategy, not just a number

The order you draw from accounts matters more than the total. We model the sequence so the tax bill and the longevity risk both get accounted for.

Social Security timing

When to claim, how spousal benefits work, and the breakeven math behind delayed claiming.

Rollovers, done right

Old 401(k)s, 403(b)s, pension lump sums. Where to land them, the tax considerations, and how they fit the broader portfolio. See IRA rollover →

RMD planning

Required minimum distributions, qualified charitable distributions, and how to manage forced income in retirement.

Plus the coaching part

Retirement is also a life change. The financial plan and the conversation about what comes next both belong on the table.

The work that defines a retirement outcome.

Most of the variables that decide how retirement actually goes are set in the ten years leading up to it. The savings rate, the asset allocation, the Roth conversion windows, the timing of Social Security, the choice of healthcare coverage. Once retirement starts, you can still adjust, but the lever arm is shorter.

The case for sitting down with a planner sometime between age 50 and 60 is that you still have meaningful room to change the trajectory. The case for sitting down with one after retirement starts is that the decisions get more technical (RMD coordination, healthcare, longevity planning) and the cost of getting them wrong stays high.

OUR APPROACH

How Retirement Planning works at Intercoastal.

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

1 Coordinated, not siloed

Retirement 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 we cover.

Pre-retirement planning

Cash flow modeling, with replacement-income targets at age 60, 65, 70.
Roth conversion strategy across the low-tax window between retirement and RMD age.
401(k), 403(b), and 457 plan optimization while still working.
Catch-up contribution coordination.
Healthcare bridge from end of employer coverage to Medicare.

See Roth conversion →

Retirement income strategies

Withdrawal sequencing across taxable, tax-deferred, and Roth accounts.
Bucket strategy or systematic withdrawal, depending on your situation.
Tax-efficient income, year by year, not just on average.
Annuity analysis for clients who already own them or are considering them.

See insurance planning →

Social Security

Claiming strategy modeling. When to file, why, and what changes the answer.
Spousal benefits, survivor benefits, divorced-spouse benefits.
How Social Security fits the broader withdrawal sequence.

Full Social Security page →

IRA and 401(k) rollovers

Old employer plan rollovers, mechanics, and tax considerations.
In-service distributions where allowed.
Where to land the assets and how they fit your portfolio.

Full IRA rollover page →

Required Minimum Distributions (RMDs)

RMD modeling across all qualified accounts.
Qualified Charitable Distributions for clients who want to give from their IRA.
Coordination with tax planning and charitable giving.

Learn more

If you're within ten years of retirement, this is the window. The Roth conversion windows, the Social Security claim decision, the healthcare bridge, the rollover timing. All of it benefits from real-time modeling and a written plan.

RELATED RETIREMENT SERVICES

Common areas within the retirement work.

Most retirement planning clients work through one or more of these as part of the broader plan.

IRA Rollover Planning

Rolling over old 401(k)s, 403(b)s, pension lump sums. Mechanics and tax positioning.

Social Security Optimization

When to claim, spousal benefits, breakeven math, and how it fits the income sequence.

Roth Conversion Strategy

Multi-year tax modeling, conversion ladders, and the low-tax window before RMDs start.

Schedule Your Free Consultation

No obligation. We respond the same business day.

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Who This Is For

Investment management works best in a planning relationship.

Most investment management clients also have planning work going on at the same time. Some of the most common situations:

Pre-Retirees (50s-60s) Executives Retiring with Equity Business Owners Exiting Inheritors Funding Retirement Widows Divorced Women Replanning

QUESTIONS, ANSWERED
Common questions about Retirement Planning

The most useful window is somewhere between age 50 and 60, while you still have time to adjust the savings rate, run Roth conversions through the low-tax years, and model Social Security claiming. That said, the work is still worth doing later, just with a shorter lever. If you're already retired, the focus shifts to withdrawal sequencing, RMD planning, and healthcare.
It depends on your health, your spouse's benefit, your other income sources, and your taxable situation. The default math favors delaying to 70 if you can, because the benefit grows about 8% per year you wait past full retirement age. But the right answer can be earlier if you've shorter projected longevity, no spouse to claim against, or income needs that outweigh the breakeven math.
Usually yes, but not always. A rollover gives you a much wider investment universe, easier coordination with the rest of your plan, and simpler RMD tracking. The cases where you might leave it in the old plan: better fund options or lower fees in the old plan, separation-of-service access at 55, or specific creditor-protection considerations
A Roth conversion moves money from a traditional IRA or 401(k) into a Roth IRA, paying the income tax in the year of the conversion. The case for doing it: lock in today's tax rates, reduce future RMDs, leave a tax-free inheritance, and use up the low-tax window between when you stop working and when RMDs start. The case against: limited cash to pay the tax, or expecting much lower tax rates in retirement.
A Required Minimum Distribution is the amount you've to start withdrawing from traditional retirement accounts each year once you hit RMD age (currently 73, moving to 75). The IRS uses a formula based on your account balance and life expectancy. The penalty for missing one is steep, so the coordination matters.
There's no single number. The honest version: you need enough that the withdrawals you take (after tax, after inflation) cover your spending for as long as you live, plus the things you want to do or leave behind. For most clients we model out three or four scenarios with different spending levels and longevity assumptions. Use the calculator to get a rough starting number, then a real plan goes deeper than the calculator can.

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