Martin County · FLORIDA

Retirement Income Planning in Stuart, Florida

A fee-based financial advisor who knows the Treasure Coast — helping Stuart retirees turn savings into income that lasts.

Schedule a Free Consultation →  (772) 210-4031

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✓ Stuart Area
About Stuart

Retirement Planning Built for Stuart Life

Stuart retirees enjoy the St. Lucie River waterfront, the historic downtown, and one of the most livable small cities on Florida’s east coast. Whether you’re in Sailfish Point, Locks Landing, or Willoughby Golf Club, the financial challenge is the same: making sure your savings sustain the lifestyle you’ve built. Stuart clients typically have significant investment portfolios, real estate equity, and are navigating the transition from saving to spending for the first time.

What Stuart Retirees Ask Us Most
When should I claim Social Security?
How do I make my 401k last 30 years?
Am I paying too much in taxes on withdrawals?
Do I need an annuity?
How do I protect my estate for my heirs?
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 Stuart 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 Stuart Retirees

What does a fee-based financial advisor in Stuart FL charge?
Fee-based advisors typically charge a percentage of assets under management — usually between 0.5% and 1.5% annually — with full disclosure upfront and no product commissions. At Davies Wealth Management, our compensation grows only when your portfolio grows.
Do I need a financial advisor if I already have Social Security and a 401k?
Having those accounts is a start — but it’s not a retirement income plan. A plan coordinates all your sources, optimizes your claiming strategy, sequences withdrawals tax-efficiently, and stress-tests against longevity and market risk. Most Stuart retirees with $300K+ in assets benefit significantly.
Is Davies Wealth Management a fiduciary?
Yes. Thomas Davies operates as a fee-based fiduciary, legally obligated to act in your best interest at all times. You can verify credentials independently at SEC.gov/adviserinfo.
No Obligation · No Sales Pitch

Ready to Build Your Stuart Retirement Plan?

Thomas Davies, CFS · Davies Wealth Management · Stuart, FL Area
684 SE Monterey Road, Stuart, FL 34994

We can help you make the most of what you have!