Wealth Management
Prioritizing Florida Families’ Long-Term Financial Future
It doesn’t matter how much you make. It doesn’t matter where you work, or what profession you’ve chosen. What matters is that you have a plan for your long-term financial future!
Our financial advisors and financial professionals empower individuals and families to make personalized, educated decisions for their long-term financial stability. You work hard for your money, so let’s make sure your money is working just as hard for you.
Florida State Pension Plans
We can help public service employees, including teachers and school staff members, navigate the Florida Retirement System (FRS) and the Deferred Retirement Option Program (DROP).
We have deep experience with Florida state pension and benefits plans, and the hardworking public service employees that earn them. If you are ready to better understand your benefits, reach out today and learn how we can help you to make the most out of your retirement savings!
Florida Retirement Planning
Planning for retirement often feels overwhelming, no matter your age or profession. At Gulf Coast Educators Wealth Management, our dedicated financial professionals will help you make decisions to transform your dreams into attainable goals. We focus on creating a tailored retirement savings strategy that not only aligns with your aspirations and timeline but also respects your risk tolerance levels.
Retirement planning is crucial, and our objective is to make this process uncomplicated for you. With professional support at every step and stage of life, you can gain confidence in knowing that experienced professionals are addressing your needs. Collaboratively, we'll develop a roadmap, discuss options, and identify strategies that align with your best interests.
Florida Investing
Markets may fluctuate, but our commitment to you remains steady. We check-in with our clients regularly, informing them about current forecasts and market statuses - and more importantly, how they affect each family’s financial status.
Our wealth management menu, offered through Lincoln Investment, features a broad spectrum of options including Annuities, Brokerage Accounts, Mutual Funds, IRAs (including Roth, Traditional, Simple, and SEP), 401K Plans, 403(b) Plans, 457(b) Plans, and the 529 Plans. Every family needs its own mix of financial products, and we’re committed to helping tailor a plan that matches.
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Annuities
An annuity is a form of investment that pays out a stream of payments to an individual upon maturity. Annuities can serve as a steady cash flow for individuals during their retirement years.
Annuities can provide payments as a lump sum or periodic payments at specific intervals. The two different annuity options are Fixed Annuities and Indexed Annuities.
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IRAs
An IRA is a form of investment where investors can set aside money for retirement on a tax-deferred basis.
IRA types include a Roth IRA, a Traditional IRA, SEP, and Simple IRAs, each with different benefits. There are limits the government sets for how much an individual can annually contribute.
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403(b) Plan
A 403(b) investment plan is a retirement plan for public school employees and tax-exempt organizations. Options include: An annuity contract provided by an insurance company; a custodial account with limited investments; and a retirement account income with investment options that are annuities or mutual funds.
Advantages include reduced taxable income and tax-deferred earnings on plan contributions.
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457(b)
A 457(b) investment plan is a tax-exempt saving benefit plan for employees of a city, township, water district, park board, or similar entity.
With a 457(b) retirement plan participants contribute to their investment plan with the help of regular payroll deductions. The participant decides where to invest their money based on the options selected by the employer, who is the plan sponsor.
Why Choose Our Team
With convenient locations in Naples and Fort Myers, we pride ourselves on our friendly and personalized service. It's not just about business; it's about people, too! Our team of experienced advisors and financial professionals takes the time to get to know you, your family, and your unique needs. We aim to help you make financial decisions that genuinely reflect your family’s priorities.
Concerned about the market or need some clarification on what your plan looks like? Never hesitate to reach out; we're here to answer your questions and give you more confidence. As part of your same community, Gulf Coast Educators Wealth Management is more than just a service provider; we’re your friends and neighbors, raising our families alongside yours.
Relax. We’ve Got You Covered!
If you are ready to make or adjust a financial plan for your family’s needs, come see us. Financial services are not just for the wealthy. Everyone deserves financial stability, at every stage of life!