Retirement planning in Ponte Vedra Beach & Jacksonville.

Retirement is not just about how much you save — it's about how you turn a portfolio into durable, tax-efficient income that lasts as long as you do. As a fee-only fiduciary, Skyview builds that plan around your life, here in Northeast Florida.

Schedule a Retirement Consultation →How We Plan

Built around your life, not a product

The years just before and after retirement carry outsized weight: the decisions you make about when to claim Social Security, how to sequence withdrawals, when to convert to Roth, and how to manage healthcare costs compound for decades. We help you make them deliberately, as one coordinated plan — and we revisit it as life unfolds.

Because we're fee-only, our advice is never influenced by product commissions. We're paid only by you, which means the retirement income strategy we recommend is the one we believe is genuinely best for your situation.

01 / Retirement Income

Your retirement income plan

We model multiple scenarios and stress-test them against sequence-of-returns risk, longevity, and market downturns — then translate the plan into a clear withdrawal strategy.

Withdrawal sequencing across account types
Social Security claiming strategy (to age 70)
Required Minimum Distribution (RMD) planning
Pension lump-sum vs. annuity analysis

02 / Tax Strategy

Tax-efficient retirement in Florida

Florida's lack of a state income tax opens planning options — especially Roth conversions in lower-bracket "gap years" before RMDs begin, and careful asset location across account types. Read: the "Florida Flip" →

Roth conversion ladders in low-bracket years
Asset location across taxable & tax-advantaged
Bracket management & multi-year tax projections
Coordination with your CPA

03 / Healthcare

Healthcare & Medicare planning

Healthcare is one of the largest and most predictable retirement expenses. We plan pre-65 coverage bridges and manage the IRMAA surcharges that higher income — including Roth conversions — can trigger two years later.

Pre-65 coverage bridge planning
Medicare & IRMAA surcharge management
HSA strategy for future medical costs
Long-term care considerations

04 / Executives

For executives transitioning to retirement

If a large share of your wealth is in company stock or deferred compensation, we coordinate the unwind into retirement income — tying it to your equity compensation plan.

Unwinding concentrated stock into income
Deferred compensation distribution timing
Coordinating equity comp with withdrawals
Estate & legacy alignment

Why local, fee-only advice matters

We meet clients face to face at our Ponte Vedra Beach office and understand the realities that shape retirement in Northeast Florida. Our team's credentials — CIMA®, CDFA®, CFP®, and CPWA® — reflect deep expertise in retirement income and high-net-worth planning.

Reviewed by Alex R. Potenza, CIMA®, CDFA® — President. This page is educational and not individualized tax, legal, or investment advice; please consult your own advisors regarding your situation. Current as of August 2026.

Frequently asked

Common questions.

How much do I need to retire in Florida?

There is no single number — it depends on your spending, other income (Social Security, pensions), longevity, and tax situation. We build a personalized income plan and stress-test it against long retirements and market downturns rather than relying on a rule of thumb.

When should I claim Social Security?

Claiming later (up to age 70) increases your benefit by roughly 8% per year after full retirement age, but the right choice depends on your health, marital status, other income, and tax picture. We model the break-even and coordinate it with withdrawals and Roth conversions.

What order should I withdraw from my accounts in retirement?

Coordinating withdrawals across taxable, tax-deferred, and Roth accounts — rather than draining one at a time — can meaningfully lower lifetime taxes. The optimal sequence depends on your brackets, RMDs, and goals, and we plan it year by year.

Do I pay state income tax on retirement income in Florida?

No. Florida has no state income tax, which is a meaningful advantage for retirees and one reason Roth conversions and withdrawals can be more efficient here than in high-tax states.

Begin the conversation

Plan a retirement
that lasts.

Schedule a complimentary "Get Acquainted" meeting. We'll look at your income sources, taxes, and goals — with no obligation and no product pitch.

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