Tax-aware retirement income
Coordinate pensions, Social Security, portfolio withdrawals, Roth conversion questions, required distributions, Medicare, and survivor income.
Explore retirement planning →Financial advisor in Palm Beach County, Florida
Local financial planning from Lake Worth—connected to your complete financial life.
Terry Martine helps families coordinate retirement income, investments, taxes, real estate, insurance, and legacy decisions from the Lake Worth office serving Palm Beach County and South Florida.
Tax-aware review
FRS planning focusA Palm Beach County relationship built around tax-aware coordination.
Start with potential tax consequences, then coordinate the rest of the financial plan.
01Lake Worth office02Palm Beach County03South Florida
Lake Worth and Palm Beach County
A real local office with a regional planning perspective.
Family Retirement Services is located in Lake Worth and serves nearby Wellington, West Palm Beach, Palm Beach County, and the wider South Florida community.
Local meetings make it easier to work through the details that connect retirement, taxes, investments, property, healthcare, insurance, and family priorities. Private remote meetings may also be available when geography or scheduling makes them more practical.
Financial planning in South Florida
One planning relationship for decisions that affect one another.
The work starts with the financial problem in front of you, then identifies the tax, timing, investment, insurance, and family decisions connected to it.
FRS Pension, Investment, and DROP decisions
Keep the two FRS retirement plans distinct and evaluate DROP only for eligible Pension Plan members before coordinating the benefit with the complete household plan.
Explore Florida FRS planning →Wealth management and tax coordination
Review risk, concentration, gains, losses, liquidity, charitable goals, account location, and the timing of portfolio decisions.
Explore investment coordination →Real estate and 1031 exchange planning
Connect a potential sale or exchange with deadlines, replacement-property fit, retirement cash flow, liquidity, concentration, and legacy priorities.
Explore 1031 planning →Insurance and legacy coordination
Define survivor-income, liquidity, beneficiary, business, and legacy needs before evaluating an insurance product or implementation path.
Explore estate and insurance planning →A focused South Florida specialty
Planning for Florida public employees and their families.
Teachers, firefighters, police officers, and other FRS members face decisions that do not fit neatly inside a generic retirement checklist.
Family Retirement Services helps identify which FRS plan applies, whether DROP is relevant, and how pension or investment-plan decisions connect with Social Security, deferred compensation, Medicare, taxes, insurance, and household cash flow.
Independent educational guidance
Family Retirement Services and Martine Financial Co are not affiliated with or endorsed by the Florida Retirement System or any governmental agency.
Official FRS information and benefit estimates should be confirmed through FRS Online or MyFRS before an individual decision is made.
Palm Beach County planning questions
What to know before the first conversation.
Where is Family Retirement Services located?
Family Retirement Services is located at 8461 Lake Worth Road, Suite 477, Lake Worth, Florida 33467. Meetings may also be available remotely.
Which South Florida communities does the office serve?
The Lake Worth office serves Wellington, West Palm Beach, Lake Worth, Palm Beach County, and the wider South Florida community. Remote relationships may be available nationwide subject to applicable requirements.
What planning services are available in Palm Beach County?
Terry Martine coordinates retirement income, investments, tax-aware planning questions, Florida Retirement System decisions, Social Security, Medicare, real estate and 1031 exchange planning, insurance, and legacy priorities.
Does Family Retirement Services work with Florida public employees?
Yes. The practice helps eligible teachers, firefighters, police officers, and other Florida public employees distinguish the FRS Pension Plan, FRS Investment Plan, and Pension Plan-only DROP decisions before coordinating them with the household retirement plan.
How are investment advisory services provided?
Investment advisory services are offered through Signal Advisors Wealth, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Family Retirement Services. Complete disclosures appear in the website footer.
A clearer next step