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Delray Beach


★ ★ ★ ★ ★
5/5 (5 reviews)

Wealth Management For Delray Beach Families In The 33483 Pocket.

Fee-based wealth management for Delray Beach families in the 33483 pocket and across the city. Served from our Boca Raton office 10 miles south, built for the planning needs of an established coastal community.

Schedule A Consultation Call (561) 210-7339
Fiduciary CFP® 10 Miles to Boca Office Fee-Based Retirement-Stage Focus

WHY DELRAY BEACH RESIDENTS CHOOSE US

A planning practice built for clients in the years that matter most.

Built for the Delray demographic

Median resident age in Delray Beach is 51. The planning at that life stage is what we do most: Roth conversions, Social Security timing, retirement income sequencing.

The 33483 wealth pocket

33483 (east of Federal Highway, along the coast) is the affluent slice of Delray. Our planning fits the household income and net worth that comes with it.

Independent fiduciary

Fee-based, fully disclosed, no wirehouse pressure. The alternative to the Boca/Delray big-name firms for clients who want a real relationship.

Boca office, 10 minutes away

10 miles south, easy I-95 access. Most first meetings happen in Boca. Many ongoing relationships shift to a hybrid cadence.

Long-term, not transactional

We meet on a real cadence, usually quarterly. The plan flexes as your life and the tax code change. Most relationships span decades.

South Florida-rooted, nationally licensed

Offices in Boca Raton and Plantation, plus licensed in all 50 states. Existing clients keep us when they move.

Serving Delray Beach.

Delray Beach sits on the coast between Boca Raton and Boynton Beach. Most of our Delray clients live in the 33483 zip code (the coastal slice east of Federal Highway), the established residential pockets west of US-1, or in the country club communities slightly inland. The Boca office is 10 miles south, easy I-95 access for in-person meetings.

About Delray Beach.

Delray Beach is a coastal Palm Beach County city between Boca Raton and Boynton Beach. The 33483 zip code (east of Federal Highway, along the coast) is the affluent slice, with established residential streets, walkable downtown access along Atlantic Avenue, and a concentration of retirees and pre-retirees. Inland neighborhoods skew toward families and country club communities. Median resident age in the city is 51.

Most of our Delray clients are in or near retirement and need the kind of work that goes with that stage: withdrawal sequencing, RMD planning, Social Security claim timing, healthcare coverage decisions, and estate plan updates that often need to reflect a recent move from out of state.

LOCAL ADVANTAGE

Working with our team in Delray Beach.

Three things Delray Beach clients tell us matter.

01 Local meetings, virtual flexibility

First meetings in person at our Boca Raton or Plantation office. After that, most relationships run mostly virtual with in-person reviews as needed.

02 Florida tax structure expertise

Florida no-state-income-tax planning is its own thing. We work it into every recommendation, from Roth timing to the home-sale capital-gains calculation.

03 Same advisor across state lines

We're licensed in all 50 states. Clients moving to or from Florida keep the same advisor without restart.

What Delray planning typically involves.

  • Retirement income strategy. Many Delray clients are 5 to 10 years into retirement (or close to it). The withdrawal sequence, the RMD planning, the Social Security claim timing, the healthcare bridge or Medicare supplement decisions.
  • Roth conversion strategy. For Delray clients still in the pre-RMD window, the conversion math is meaningful. See Roth conversion.
  • Estate planning updates. Many Delray clients moved here from out of state and have estate plans that still reflect the old state. Trust updates, beneficiary reviews, account titling cleanup.
  • Widow and surviving spouse planning. Delray has a real concentration of clients in this situation. Patient, organized work on the administrative checklist and the longer-term plan. See widows.
  • Charitable giving coordination. For Delray clients who want philanthropy to be part of the plan, QCDs from IRAs, DAFs, and charitable trusts where appropriate. See charitable giving.

Find Us On The Map

The Delray to Boca commute.

  • 10 miles down I-95. About 15 minutes outside of season. We try to consolidate meetings into focused conversations and respect your time getting there.
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Intercoastal Wealth Planning at Boca Raton

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

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

(561) 210-7339

WEALTH PLANNING SERVICES FOR DELRAY BEACH

Services available locally and virtually.

Every service we offer is available to Delray Beach clients:

Financial Planner

Full planning across cash flow, taxes, retirement, and estate. Where most local relationships begin.

See financial planner

Investment Management

Portfolio construction, asset allocation, tax-sensitive investing managed locally.

See investment management

Retirement Planning

Income strategy, IRA rollovers, Social Security timing, RMDs, healthcare bridge.

See retirement planning

Tax Planning

Year-round positioning. Tax-loss harvesting, Roth conversions, charitable giving timing.

See tax planning

Estate Planning

Beneficiary audits, trust funding, legacy planning, coordinated with your attorney.

See estate planning

IRA Rollover Planning

401(k), 403(b), and old employer plan rollovers handled as direct trustee transfers.

See IRA Rollover Planning

Social Security Optimization

When to claim, spousal coordination, and how the claim fits the income sequence.

See social security optimization

Roth Conversion Strategy

Multi-year tax modeling for the low-income window between work and RMDs.

See roth conversion strategy

529 Plan & College Planning

Education savings, Florida Prepaid, grandparent funding, FAFSA coordination.

See 529 plan & college planning

Insurance Planning

Life, disability, long-term care, and annuity review without the sales pitch.

See insurance planning

Financial Coaching

Behavioral coaching and accountability that turns the plan into actual decisions.

See financial coaching

Charitable Giving Strategies

Donor-advised funds, charitable trusts, QCDs from IRAs, appreciated security donations.

See charitable giving strategies

Trust Planning

Revocable living trusts coordinated with your estate attorney. Funding and titling, done right.

See trust planning

Business Succession Planning

Family transitions, internal sales, ESOPs, plus the post-transition personal plan.

See business succession planning

Business Exit Planning

Pre-sale tax positioning, deal-structure planning, post-sale wealth strategy.

See business exit planning

WHO WE SERVE IN DELRAY BEACH

Specialty pages for Delray clients.

Many Delray clients fit one of these descriptions:

Pre-Retirees

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.

Business Owners

For founders and owners. The planning runs from operating the business through eventual transition or sale.


Executives

For C-suite leaders with concentrated equity, deferred compensation, and the planning that comes with senior roles.


Inheritors

For clients receiving an inheritance, sudden or expected. Help making steady decisions in a moment when steady is hard.

Professional Women

For women in their career-building years working through equity comp, executive comp, and the planning that supports both.

Divorced Women

For women rebuilding financial independence after divorce. Coaching, accountability, and a real plan for what's next.

Widows

For women facing financial decisions for the first time after the loss of a spouse. Patience and a step-by-step approach.

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.

MORE INFO

Wealth Management Strategies Specific to Delray Beach, FL 

Business Exit Planning For Founders

The commercial success along Atlantic Avenue and Pineapple Grove has produced a large founder community in Delray Beach. For business owners here, the sale or transition of the company is often the single largest financial event of their working life.

The planning work that has the most impact starts 18 to 24 months before the transaction. Tax positioning, deal structure choices (asset sale vs stock sale, installment structures, seller financing), and the post-sale income plan all benefit from being modeled ahead of the closing table. We work alongside your business attorney and CPA when a sale is contemplated.

Our part is the personal-finance side of the transaction. What the proceeds need to fund on an ongoing basis, how the estate plan should shift once significant liquidity is present, and how the mix of accounts changes when the founder moves from operator income to portfolio income.

private wealth management for divorce in delray beach

Financial Planning After Divorce

For women rebuilding financial independence after divorce, the first 6 to 12 months are typically about stabilizing. What you have, what your income now looks like, and what the near-term cash flow actually is. In Delray Beach, where the median home value is $420,000, one of the earliest decisions is often whether to keep the marital home or sell it.

We help clients work through that decision with real numbers. Property taxes, insurance, maintenance, and the opportunity cost of the equity all factor in. From there the longer-term rebuild begins. Retirement projections that used to assume two incomes need to be rebuilt around one. Beneficiary designations that listed the ex-spouse need updating. The estate plan you had as a couple usually needs a fresh look.

We provide the structure and the coaching to move through these decisions at a pace that fits, rather than under time pressure. The goal is clarity, one decision at a time.

Tax Planning For Delray Beach Real Estate Investors

The real estate market in Delray Beach continues to attract meaningful investor capital. Many local investors now hold appreciated commercial or residential properties in areas near Pineapple Grove or the eastern coastal blocks, and concentration in a single asset class becomes worth reviewing.

For investors thinking about selling one or more properties, the planning options are worth working through before the transaction. 1031 exchanges into like-kind properties, installment sales, and Qualified Opportunity Zone investments each have their own tax profile and their own tradeoffs. Our in-house Enrolled Agent handles the tax coordination, so the property decision aligns with the overall tax picture rather than being modeled in isolation.

We also look at diversification for investors whose net worth is heavily concentrated in real estate. Moving some of the equity into more liquid, income-producing investments can give more flexibility for retirement cash flow without giving up the tax advantages the real estate provided during accumulation.

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QUESTIONS, ANSWERED
Common questions about Delray Beach Wealth Management

  • Our Boca Raton office is about 10 miles south of Delray Beach, roughly 15 minutes by car outside of high-season traffic. We don't have a Delray office. Most first meetings happen in Boca.
  • Retirement income planning is one of our largest single specialty areas. The withdrawal sequencing, the RMD planning, the Social Security claim timing, and the healthcare or Medicare coordination are core to what we do. Many of our Delray clients are in this exact stage.
  • Yes, and it's one of the most common situations we work with for relocated Delray clients. The existing estate plan often reflects the old state's rules and the old family situation. We coordinate with a Florida estate attorney on the document updates and handle the financial-side coordination.
  • Most in-person meetings happen at the Boca office. For specific situations (mobility issues, very large initial consultations, certain family meetings) we can meet at your residence, but the default is the office.
  • Yes. Beth Bennett is a Certified Financial Planner and Certified Financial Fiduciary. We're legally required to act in your best interest on every recommendation across every account.
  • We build a full cash flow analysis with the specific property taxes, insurance, and maintenance costs, then compare against your post-divorce income and long-term goals. The answer isn't the same for every client, and it depends heavily on the actual numbers. More on financial planning after divorce.

Find Us

Our Office

Intercoastal Wealth Planning Boca Raton office at 1200 North Federal Highway

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

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

Ready to talk about delray beach wealth management?

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.

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