Top general retirement planning financial advisors in Miami Beach, FL
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
Planning for retirement in Miami Beach often starts when you want to balance enjoying your current lifestyle with securing income for the future. A common mistake is underestimating how federal taxes, property taxes, and sales taxes will impact your retirement budget, especially since Florida has no state income tax but other tax burdens.
- Federal tax focus. Confirm how the advisor plans around federal income tax, since Florida doesn’t tax income but other taxes still affect your net retirement cash flow.
- Property tax impact. Ask how they incorporate Florida’s property taxes and homestead exemptions into your long-term budget.
- Withdrawal sequencing. Understand their approach to drawing down retirement accounts to manage tax brackets and preserve assets.
- Income sources integration. Check how they coordinate Social Security, pensions, and investments to create a steady retirement income stream.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Frederick H
Series 63, Series 65
Miami Beach, FL
UBS Financial Services
Frederick Hahn's 33 years of experience and focus on general retirement planning, cash flow, and equity compensation tax strategy equip him to address the complex tax and income sequencing challenges faced by retirees in Miami Beach. Operating within UBS Financial Services, a large firm known for institutional trading and wealth management, he serves high-net-worth clients including executives and business owners, offering fee-based planning and portfolio management that may suit those seeking comprehensive, sophisticated retirement strategies.
Experience: 33 years
Avg account: $693,691
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David M
Series 65
Miami Beach, FL
Thayer Partners LLC
David Miller specializes in general retirement planning and income planning, with a focus on business owners and executives in Miami Beach, FL. His firm, Thayer Partners LLC, offers flat-fee and independent advisory services with a long-term investment approach, serving a diverse client base including high-net-worth individuals and trusts, which distinguishes him from advisors with more traditional fee structures or narrower client focuses.
Experience: 3 years
Avg account: $1,240,746
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Christian M
Series 66
Miami Beach, FL
STIFEL
Christian Maldonado specializes in general retirement and income planning in Miami Beach, leveraging seven years of experience and a Series 66 designation. Affiliated with Stifel, a large firm serving diverse clients with proprietary investment strategies, he offers access to broad brokerage and advisory services, distinguishing him from advisors at smaller firms or with narrower client focuses.
Experience: 7 years
Avg account: $773,556
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Sonya G
Series 63, Series 65
Miami Beach, FL
Raymond James & Associates
Sonya Gelb Choeff specializes in general retirement planning in Miami Beach, leveraging 37 years of experience and a flat-fee structure that may appeal to clients seeking predictable costs. Affiliated with the large firm Raymond James & Associates, she offers wealth management services and has a background as a founder and executive, which may provide valuable insights compared to other advisors in the area.
Experience: 37 years
Avg account: $788,879
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Matthew F
Series 66
Miami Beach, FL
Merrill
Matthew Feraci offers expertise in general retirement planning with a focus on retirement income strategy and tax minimization, which is crucial for managing federal and property taxes in Miami Beach. His experience at Merrill, a large firm, and his work with high earners and executives provide a comprehensive approach that integrates investments, tax planning, and retirement assets, differentiating him from advisors with narrower specialties or smaller firm resources.
Experience: 18 years
Avg account: $860,085
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