Comprehensive IRA Retirement Services in Florida

Trusted Wealth Management for Your Retirement and Legacy

Saving for retirement involves a thoughtful, long-term strategy that evolves over time. At Florida Trust Wealth Management, we understand that your retirement assets represent a lifetime of effort, discipline, and financial planning. As one of Florida’s largest Independent Trust Companies, we specialize in guiding individuals and families to create secure, tax-efficient retirement strategies that optimize your income and preserve wealth for generations.

Whether you’re preparing to retire, transitioning to a workplace retirement account, or coordinating your IRA within a broader estate plan, our expert advisors provide highly personalized guidance for managing your financial future – and your legacy.

Integrated Retirement and Legacy Planning for High-Net-Worth Families

At Florida Trust, we take a comprehensive, individualized approach to wealth management, retirement income strategies, and generational wealth transfers. Our clients include successful individuals, multi-generational families, and family business owners, who trust us not only to optimize their retirement assets, but also to align those assets with their long-term goals such as philanthropic priorities, tax-efficiency, and ensuring a smooth transfer to heirs.

We help clients:

Consolidate and manage multiple retirement accounts.
Align IRA distributions with trust structures and estate plans.
Execute Qualified Charitable Distributions (QCDs) and charitable giving strategies.
Coordinate with CPAs, attorneys, and other advisors to ensure seamless implementation.
Structure retirement assets to support family foundations, special needs trusts, and multi-generational gifting.

Comprehensive Retirement Planning Services:

Traditional IRAs and Roth IRAs.
Inherited and Beneficiary IRAs, including stretch options where applicable.
SEP IRAs and SIMPLE IRAs for business owners.
401(k), 403(b), and pension rollovers from prior employers.
Backdoor Roth IRA conversion strategies.
IRA Trust Structuring, including conduit and accumulation of trusts.
Required Minimum Distribution (RMD) planning and optimization.
IRA tax minimization strategies.
Qualified Charitable Distributions (QCDs).
Cash flow analysis and sustainable withdrawal strategies.
Integration with irrevocable trusts and generational transfer structures.
Ongoing review of legislative and regulatory changes impacting retirement assets.

Contact an Advisor

A Holistic Retirement Wealth Management Process

Our financial advisors create and manage customized retirement portfolios based on each client’s specific goals and life stages. Your retirement planning strategy should evolve with your life, your family, and the financial landscape. With a focus on long-term planning, Florida Trust helps ensure your retirement income strategy also supports your family and future generations.

Our Retirement Wealth Management Process Includes:

Designing customized retirement income and portfolio strategies.
Planning for cash flow needs.
Implementing disciplined distribution strategies that preserve principal.
Monitoring investments and trust administration with ongoing reviews.
Analyzing tax implications and coordinating with estate attorneys and CPAs.
Supporting family conversations around inheritance, values, and stewardship.

Beyond Retirement: Preserving Wealth and Planning for a Meaningful Legacy

Retirement planning is more than investment management and receiving income – it’s about making intentional decisions that reflect your values, support your loved ones, and make an impact. Whether through charitable giving, trust coordination, or structuring your estate for a smooth generational transfer, Florida Trust helps safeguard your wealth and honor your values – so you can make the most of your well-earned retirement.

As a fiduciary and multi-generational planning partner, we help clients:

Coordinate strategic wealth transfers to heirs and beneficiaries.
Minimize estate and income tax exposure from retirement accounts.
Facilitate family meetings and values-based planning discussions.
Structure charitable giving through retirement assets or family foundations.
Preserve privacy, continuity, and control across generations.

Begin Your Retirement and Legacy Planning Journey Today

Whether you’re in the prime of your career, approaching retirement, reviewing rollover options, or preparing for the transfer of IRA assets to heirs, Florida Trust Wealth Management offers the expertise and foresight required to support high-net-worth retirement planning.

Contact us today to speak with a retirement and wealth planning advisor and begin building a strategy that protects your future, honors your values, and supports your family for generations.