Tax-aware retirement income
Coordinate pensions, Social Security, portfolio withdrawals, Roth conversion questions, required distributions, Medicare, and survivor income.
Explore retirement planning →Financial advisor serving Wellington, Florida
Local financial planning for Wellington—with nationwide reach.
Terry Martine helps families coordinate retirement income, investments, taxes, real estate, insurance, and legacy decisions from the nearby Lake Worth office or through private remote meetings.
Tax-aware review
FRS planning focusA local relationship with a complete, tax-aware planning view.
Start with potential tax consequences, then coordinate the rest of the financial plan.
01Lake Worth office02Wellington service03Nationwide meetings
Wellington and Palm Beach County
A financial-planning relationship grounded in the community.
Meet with Terry at the Lake Worth office serving Wellington, West Palm Beach, Palm Beach County, and the wider South Florida community.
Remote meetings also allow Family Retirement Services to work with clients beyond Florida when the relationship is appropriate and permitted. The objective is consistent in either setting: identify the connected decisions before products or implementation take over the conversation.
Family Retirement Services
8461 Lake Worth Road, Suite 477
Lake Worth, FL 33467
Local: (561) 867-8332
Toll-free: (833) 842-7778
Financial planning and wealth management
Coordinate the decisions that rarely stay in separate boxes.
Investment decisions, retirement income, taxes, healthcare, property, insurance, and family priorities can affect one another. The planning process is designed to make those connections visible.
FRS Pension Plan, Investment Plan, and DROP planning
The Pension Plan and Investment Plan are the two FRS retirement plans. Address the separate DROP program only for eligible Pension Plan members before connecting the benefit to the household plan.
Compare the two plans and DROP →Investment and tax coordination
Review risk, concentration, gains, losses, charitable goals, account location, liquidity, and the timing of portfolio decisions.
Explore investment coordination →1031 exchange planning
Connect exchange deadlines and replacement-property choices with retirement cash flow, concentration, liquidity, and legacy goals.
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 →Meet Terry Martine
Institutional-market experience with a personal planning approach.
Terry has worked in financial services since 2000 and as a financial advisor since 2003. His background includes institutional bond trading, UBS, and independent financial advice.
A United States Air Force veteran and Wellington-area family man, Terry starts with the client’s life and the financial problem—not a product presentation.
Investment-adviser affiliation
Investment advisory services are offered through Signal Advisors Wealth, LLC (“Signal Wealth”), an SEC-registered investment adviser. Insurance products and services are offered through Martine Financial Co d/b/a Family Retirement Services.
Registration does not imply a certain level of skill or training. See the complete disclosures in the website footer.
Local 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. The office serves nearby Wellington, West Palm Beach, Palm Beach County, and the wider South Florida community.
Do you work only with clients in Wellington or South Florida?
No. The office serves Wellington, Lake Worth, West Palm Beach, Palm Beach County, and South Florida, while remote planning relationships may be available to clients nationwide subject to applicable requirements.
What type of financial planning does Terry Martine provide?
Terry focuses on tax-aware retirement income, investment coordination, Florida Retirement System planning, Social Security and Medicare coordination, 1031 exchange planning, insurance, and legacy decisions.
Is Family Retirement Services a registered investment adviser?
Investment advisory services are offered through Signal Advisors Wealth, LLC, also known as Signal Wealth, an SEC-registered investment adviser. Insurance products and services are offered through Martine Financial Co d/b/a Family Retirement Services. The full disclosure appears in the website footer.
A clearer next step