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Highland Beach


★ ★ ★ ★ ★
5/5 (5 reviews)

Wealth Management For Highland Beach Residents At The Coast.

Fee-based wealth management for Highland Beach residents at the coast, served from our Boca Raton office just 3 miles south. Built around the planning needs of an established coastal community.

Schedule A Consultation Call (561) 210-7339
Fiduciary CFP® 3 Miles to Boca Office Fee-Based High Net Worth Focus

WHY HIGHLAND BEACH RESIDENTS CHOOSE US

A planning practice built for an established coastal community.

Local enough to be useful

The Boca office is 3 miles south of Highland Beach. Easy in-person meetings when you want them, hybrid going forward.

High net worth experience

Highland Beach has one of the highest median household incomes in Florida. Our practice is built for the planning at that level: estate, charitable, intergenerational.

Independent fiduciary

Fee-based, fully disclosed, no proprietary products. The wirehouse alternative for Highland Beach families who want a more direct relationship.

Multi-generational planning

Many Highland Beach clients are planning across generations. Trusts, beneficiary structures, charitable trusts, gifting strategies.

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 Highland Beach.

Highland Beach sits between Boca Raton and Delray Beach along A1A. Most of our Highland Beach clients live in the coastal condominium developments or the residential pockets just inland. The Boca office is 3 miles south, making in-person meetings easy.

What Highland Beach planning typically involves.

  • Estate planning at scale. Beneficiary audits, intergenerational wealth transfer, charitable trust structures coordinated with your estate attorney.
  • Inherited wealth. Many Highland Beach residents are inheriting family wealth from out of state. Stepped-up basis coordination, inherited IRA planning, real estate decisions.
  • Retirement income strategy. For residents who have already retired or are close to it. Withdrawal sequencing, Roth conversions (where the income window allows), and charitable giving timing.
  • State residency optimization. Highland Beach residents who relocated from higher-tax states often have remaining ties that need cleanup. Domicile documentation, real estate timing.
  • Concentrated stock and pre-sale planning. For business owners and former executives with concentrated positions. Pre-sale tax positioning and post-sale wealth strategy.

LOCAL ADVANTAGE

Working with our team in Highland Beach.

Three things Highland 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.



About Highland Beach.

Highland Beach is a coastal community between Boca Raton and Delray Beach along A1A. Roughly three miles long, mostly residential, with a concentration of coastal condominium towers, gated single-family enclaves, and one of the highest median household incomes in Florida. Many residents are retirees who relocated from the Northeast and Midwest, or part-time residents who maintain primary homes elsewhere.

Highland Beach clients tend to need the kind of work that comes with concentrated wealth: estate planning at scale, multi-state residency coordination, intergenerational planning, charitable giving structures, and the inherited-asset planning that comes with relocating from a high-tax state.

Find Us On The Map

The Highland Beach to Boca commute.

  • 3 miles down A1A. About 10 minutes outside of season. We try to be respectful of that and consolidate meetings when possible. Most ongoing client relationships move to a quarterly in-person plus video cadence after the first few meetings.
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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 HIGHLAND BEACH

Services available locally and virtually.

Every service we offer is available to Highland 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 HIGHLAND BEACH

Specialty pages for Highland Beach clients.

Many Highland Beach 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 Highland Beach, FL

Florida Condo Reserve Requirements And Cash Flow

For condo owners along the A1A corridor in Highland Beach, the Florida Structural Integrity Reserve Study requirements took full effect on January 1, 2026. Associations can no longer waive or underfund reserves for roofs, load-bearing walls, plumbing, and other structural systems. For owners in buildings like Toscana or Coronado, this often means special assessments and higher monthly dues than budgeted for.

Median home value in Highland Beach is $909,000 (US Census ACS), and special assessments can run into the tens of thousands per unit. Where these assessments come up mid-retirement, the question becomes which account to draw from without disrupting the broader income plan. We look at taxable accounts, IRA distribution timing, and Roth conversion coordination to find the option with the least tax friction.

For clients still in the accumulation years but planning to buy on A1A, we build the reserve assessment risk into the initial cash flow model from day one.

Florida Domicile Planning For Highland Beach Residents 

Highland Beach is quiet by design. Median resident age is 70.8 years. Many residents split time between South Florida and states like New York, New Jersey, or Massachusetts. Establishing Florida residency for state tax purposes involves more than the calendar test.

The documentation that matters most: time-in-state records, primary-home records, voter registration, driver's license issuance, and where financial accounts and estate documents are formally sourced. We help clients organize that documentation cleanly so it's ready if their prior state asks questions later.

We coordinate with your CPA and estate attorney on the pieces they own: the tax returns, the trust and will updates, and any state-specific filings. The goal is a domicile transition that's clean on paper from the start.

Estate Planning Considerations For Coastal Residents

Highland Beach has an unusually high concentration of long-time coastal residents; 63.5% of the population is over 65 (US Census ACS). For families in this stage, the planning focus often shifts from accumulation to how wealth moves to the next generation and to charitable interests.

The work is coordinated with your estate attorney, who owns the drafting of trusts and wills. Our part is on the assets held inside those structures. We review beneficiary designations across accounts, look at gifting strategies against your annual and lifetime exclusion, and structure the investment portfolio's timeline to match how the estate is set up to distribute.

For families with substantial appreciated positions, we also look at charitable planning options like donor-advised funds and qualified charitable distributions from IRAs, which can meet giving intentions while managing tax exposure.

Wealth Planning Considerations For Highland Residents

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QUESTIONS, ANSWERED
Common questions about Highland Beach Wealth Management

  • Our Boca Raton office is about 3 miles south of Highland Beach, roughly 10 minutes by car outside of high-season traffic. We don't have a Highland Beach office, but most clients find the Boca location convenient.
  • Our practice is built for clients at household incomes of $250,000 and up, plus business owners, professional women, widows, and inheritors at similar wealth tiers. That captures most of the Highland Beach client base. The planning at higher net worth levels typically involves more estate planning coordination, more charitable structure work, and more multi-generational planning.
  • Yes. Residency change planning involves the financial side (state tax positioning, the timing of any large taxable events relative to the move) and the documentation side (domicile establishment, real estate timing, voter registration, vehicle titling). We coordinate with your tax counsel on the formal documentation.
  • Most in-person meetings happen at the Boca office. For specific situations we can meet at your residence in Highland Beach, but the default is the office to keep meetings efficient.
  • Yes. The 2026 Florida reserve requirements are creating meaningful cash flow decisions for condo owners along the coast. We help clients decide which accounts to draw from to fund an assessment while keeping the broader retirement plan on track.
  • The Boca Raton office at 1200 North Federal Highway, Suite 300 is just a few minutes south of Highland Beach, so in-person reviews are convenient for most residents.

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 Highland 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.

Schedule A Consultation