Several accounts, but no coordinated plan?
Start with household cash flow, priorities and the decisions ahead. Identify what belongs in the plan before choosing a product or moving an account.
Explore financial planning →Financial planning for West Palm Beach, Florida
Financial planning for West Palm Beach.
Tax-aware planning comes first. Terry Martine helps West Palm Beach residents connect retirement income, investments and taxes—from our Lake Worth office or via Zoom.
Tax-aware review
FRS planning focusStart with the decision in front of you. Connect it to the rest of your retirement.
Start with potential tax consequences, then coordinate the rest of the financial plan.
01Lake Worth office02West Palm Beach residents03Zoom available
Local service, clearly explained
Serving West Palm Beach. Based in Lake Worth.
You do not need a different financial plan for every account. You need a way to connect your income needs, investment decisions, insurance and family priorities.
We work with West Palm Beach residents who are preparing to retire, already drawing retirement income, or reviewing how a public-employee benefit fits alongside household savings. The first conversation starts with your questions—not a requirement to transfer assets or download a workbook.
Find the right starting point
What would you like to work through?
Explore the planning area that matches your question. Each link leads to more detail, without requiring you to register first.
Will your investments support your withdrawals?
Connect portfolio risk, available cash and account types with retirement spending. Review investment decisions alongside their potential tax consequences.
Explore investment and tax coordination →Which retirement tax questions come first?
Organize questions about withdrawals, Roth conversions, required distributions and Medicare income-related premiums for coordinated review with your tax professional.
Explore tax-aware planning →Does an annuity fit an income need?
Start with the income gap, access to savings and contract trade-offs. Review costs, surrender periods and insurer-backed guarantees before considering a purchase or replacement.
Explore Florida annuity planning →Approaching Medicare or leaving employer coverage?
Use the separate Medicare Supplement guide and appointment path to discuss coverage questions. This is distinct from a retirement-planning Discovery Call.
Explore Medicare Supplement guidance →How does your pension fit the household plan?
Confirm the retirement system and plan on your benefit statement first. For FRS members, connect Pension Plan or Investment Plan benefits with other retirement accounts and income needs.
Explore FRS and DROP planning →Before choosing an advisor
Ask about the relationship—not just the investment.
- Which planning services are included, and which require a separate professional?
- How will fees, insurance commissions and potential conflicts be explained?
- How will portfolio withdrawals, pensions and tax questions be coordinated?
- What will the next step be if we decide to work together?
You can check investment-adviser records through SEC Investment Adviser Public Disclosure. A title or registration alone does not guarantee results.
West Palm Beach planning questions
Know what to expect before you book.
Is Family Retirement Services located in West Palm Beach?
No. Our office is at 8461 Lake Worth Road, Suite 477, Lake Worth, FL 33467. We serve West Palm Beach residents from that office, with Zoom conversations also available. Contact us to arrange a meeting.
Should I look for a financial planner or a wealth manager?
The label alone does not tell you what is included. Ask whether the relationship covers financial planning, investment management or both; how fees and any commissions work; who provides each service; and how the advisor coordinates with your CPA and attorney.
Does every West Palm Beach public employee belong to FRS?
Do not assume FRS membership from a job title or city. Check your employer benefit statement and plan administrator. If you belong to FRS, identify your Pension Plan or Investment Plan membership before reviewing retirement options. DROP is a separate program for eligible Pension Plan members.
Do I need to download a workbook before booking?
No. You can book a complimentary 45-minute TaxAware Discovery Call with Terry via Zoom now. Use the conversation to discuss your retirement questions and whether further planning would be a fit. Downloading a toolkit is optional, and there is no obligation to proceed.
Can I use the same appointment for Medicare Supplement questions?
Please use the separate Medicare Supplement appointment path on our Florida Medicare planning page. Keeping that conversation separate helps us focus on the coverage questions you want to address.
Investment advisory services are offered through Signal Advisors Wealth, LLC, an SEC-registered investment adviser. Insurance products and services are offered through Martine Financial Co d/b/a Family Retirement Services. Family Retirement Services does not provide tax preparation, tax advice, or legal advice. Consult your tax professional or attorney about your individual circumstances. No strategy guarantees a tax saving or investment result.
A clearer next step