Martin County · FLORIDA
Financial Advisor for Jensen Beach, FL Retirees
Fee-based retirement and wealth planning for Jensen Beach and Hutchinson Island — local expertise, no commissions, fiduciary standard.
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✓ Jensen Beach Area
About Jensen Beach
Retirement Planning Built for Jensen Beach Life
Jensen Beach draws retirees who want coastal living without the crowding of Palm Beach County. Whether you’re on Hutchinson Island, near Indian River Plantation, or in the Jensen Beach downtown, the financial priorities are the same: reliable income, tax efficiency, and an estate plan that protects what you’ve built. Jensen Beach clients often have a mix of investment accounts, real estate equity, and fixed income sources that need careful coordination.
What Jensen Beach Retirees Ask Us Most
How do investment income and Social Security work together?
Should I keep my rental property in retirement?
What happens to my IRA when I pass it to my children?
Is a fixed annuity right for my situation?
How do I minimize RMDs at age 73?
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 Jensen Beach 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 Jensen Beach Retirees
Does Davies Wealth Management serve Jensen Beach FL clients?
Yes. Our office in Stuart is approximately 10 minutes from Jensen Beach. Thomas Davies, CFS works with clients throughout Martin County, including Jensen Beach, Hutchinson Island, and Indian River Plantation communities.
What is the difference between retirement planning and investment management?
Investment management grows your portfolio. Retirement income planning coordinates your portfolio with Social Security, pension, annuity income, healthcare costs, and tax strategy to produce reliable monthly income. Most Jensen Beach retirees need both, but income planning takes priority at and after retirement.
What retirement income sources do most Jensen Beach retirees have?
Most draw from Social Security, investment accounts, and sometimes rental income, pension, or part-time income. A fee-based advisor sequences these in the most tax-efficient order and builds them into a single coordinated plan.
No Obligation · No Sales Pitch
Talk to a Jensen Beach Area Financial Advisor
Thomas Davies, CFS · Davies Wealth Management · Jensen Beach, FL Area
684 SE Monterey Road, Stuart, FL 34994
We can help you make the most of what you have!