St. Lucie County · FLORIDA
Fee-Based Financial Advisor Serving Port St. Lucie, FL
Comprehensive retirement income planning for Port St. Lucie retirees — Social Security optimization, portfolio strategy, and tax-efficient withdrawals.
30+
Years Experience
CFS
Certified Fund Specialist
Fee-Based
No Commissions
Stuart, FL
Treasure Coast HQ
TD
Thomas Davies, CFS
Certified Fund Specialist · Davies Wealth Management · Stuart, FL
684 SE Monterey Road, Stuart, FL 34994 · (772) 210-4031
✓ Fee-Based Advisor✓ Fiduciary Standard✓ Retirement Specialist✓ Port St. Lucie Area
About Port St. Lucie
Retirement Planning Built for Port St. Lucie Life
Port St. Lucie is one of Florida’s fastest-growing retirement destinations, drawing retirees to communities like Tradition, PGA Village, and Torino. Many arrive from the Northeast with 401(k)s, pension income, and home sale proceeds — making the first two years of retirement the most financially complex. Getting the sequencing right from day one sets the foundation for a retirement that lasts.
What Port St. Lucie Retirees Ask Us Most
I just relocated from New York — what changes for my taxes?
How do I roll over my 401k from my old employer?
Can I retire comfortably in Tradition on my savings?
What’s the right Medicare supplement for Port St. Lucie?
How do I protect my spouse’s income if I pass first?
What We Do
Comprehensive Retirement Income Planning
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Retirement Income Planning
We coordinate all your income sources — Social Security, portfolio withdrawals, annuities, and pension — into a single plan designed to last 20–30 years without running out.
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Social Security Optimization
The difference between claiming at 62 vs. 70 can exceed $100,000 in lifetime income. We model every scenario for your specific situation and spousal benefits.
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Tax-Efficient Withdrawals
The order you draw from taxable, pre-tax, and Roth accounts significantly impacts your lifetime tax bill. We sequence withdrawals to keep more of your money.
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Estate Planning Coordination
We ensure your beneficiary designations, trust structures, and asset titling align with your wishes — and with Florida’s specific estate and probate laws.
Florida Advantage
Why Port St. Lucie Is One of the Best Places to Retire Financially
Florida’s tax structure gives retirees advantages most states can’t match. Knowing how to leverage them is where a fee-based advisor earns their keep.
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No Florida state income tax on Social Security, 401(k), IRA, or pension income
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No estate or inheritance tax — Florida eliminated its estate tax in 2004
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Homestead exemption reduces your property assessment up to $50,000
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Save Our Homes cap limits annual property tax increases to 3%
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Roth conversion opportunity — zero state tax makes pre-Social Security conversions especially powerful
How It Works
Three Steps to a Retirement Income Plan
1
Free Consultation
We listen to your income needs, timeline, concerns, and goals. No pressure, no sales pitch — just a real conversation about your situation.
2
Custom Income Plan
We build a retirement income plan that coordinates all your sources, optimizes Social Security, sequences withdrawals tax-efficiently, and stress-tests against market scenarios.
3
Ongoing Partnership
We meet regularly to review and adjust your plan as tax laws, markets, and your life evolve. You should never wonder if your plan still works.
FAQ
Common Questions from Port St. Lucie Retirees
Is there a fee-based financial advisor near Port St. Lucie FL?
Yes. Davies Wealth Management in Stuart FL, approximately 20 minutes north of Tradition and PGA Village, serves Port St. Lucie retirees throughout St. Lucie County. We work with clients both in person and remotely.
What is the best age to start retirement income planning?
Ideally 5–10 years before retirement. For Port St. Lucie residents in their late 50s or early 60s, this window allows time for Roth conversions, Social Security modeling, and portfolio repositioning before Required Minimum Distributions begin.
How does Florida’s no income tax benefit retirees relocating from New York?
Florida has no state income tax on Social Security, 401(k), IRA, or pension income. For retirees leaving New York — where state income tax can exceed 6–9% on retirement income — the savings are immediate and significant.
No Obligation · No Sales Pitch
Schedule Your Port St. Lucie Retirement Consultation
Thomas Davies, CFS · Davies Wealth Management · Port St. Lucie, FL Area
684 SE Monterey Road, Stuart, FL 34994
We can help you make the most of what you have!