Southern Martin County · FLORIDA
Fee-Based Financial Advisor in Hobe Sound, FL
Retirement income and estate planning for Hobe Sound retirees — objective, fiduciary, and built around your specific financial picture.
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✓ Hobe Sound Area
About Hobe Sound
Retirement Planning Built for Hobe Sound Life
Hobe Sound is understated by design — private, nature-forward, and close to both Jupiter and Stuart. Communities like Medalist Village, Lost Lake, and The Soundings attract retirees who value quality and privacy in equal measure. Hobe Sound clients often have higher-net-worth situations requiring sophisticated income planning, tax strategy across multiple account types, and estate coordination that protects assets for the next generation.
What Hobe Sound Retirees Ask Us Most
How do I reduce my Required Minimum Distributions?
What’s the most tax-efficient way to give to charity in retirement?
Should I have a revocable trust in Florida?
How do I handle the sale of a second property?
What is the best way to pass my IRA to my children?
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 Hobe Sound 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 Hobe Sound Retirees
Is there a financial advisor near Hobe Sound FL?
Yes. Davies Wealth Management in Stuart FL is approximately 15 minutes from most Hobe Sound communities. Thomas Davies, CFS specializes in retirement income and estate planning for southern Martin County and northern Palm Beach County residents.
What financial planning matters most for higher-net-worth Hobe Sound retirees?
Higher-net-worth retirees typically benefit most from tax-efficient withdrawal sequencing, Roth conversion planning to reduce future RMDs, estate planning coordination including trust funding, and a structured income plan that reduces dependence on portfolio withdrawals.
How often should I review my retirement income plan?
At least annually, and after any major life event — a health change, a death in the family, a tax law change, or a significant market move. At Davies Wealth Management, we review each client plan proactively, not reactively.
No Obligation · No Sales Pitch
Connect With a Hobe Sound Area Financial Advisor
Thomas Davies, CFS · Davies Wealth Management · Hobe Sound, FL Area
684 SE Monterey Road, Stuart, FL 34994
We can help you make the most of what you have!