--- title: "Advanced Capital Management" description: "Florida retirement income planning that turns savings into dependable, tax-smart monthly income. Fiduciary guidance since 1986. Call (727) 542-7659." author: "Advanced Capital Management" date: "2026-06-25" tags: ["retirement income planning florida"] canonical: "https://retirementincomeplanningflorida.com/" last_updated: "2026-10-07" --- # Advanced Capital Management **By Advanced Capital Management** | June 25, 2026 Florida retirement income planning that turns savings into dependable, tax-smart monthly income. Fiduciary guidance since 1986. Call (727) 542-7659. --- 5.0 Google Rating · Since 1986 You Spent Decades Saving for Retirement. Let’s Make Sure It Lasts. Get a guaranteed monthly paycheck you can’t outlive. Since 1986, Retirement Income Planning Florida has helped 2,000+ retirees turn a lifetime of savings into dependable, tax-smart income that keeps paying even when the market drops. See your exact number in a complimentary 1 hour call, no cost and no obligation. A division of Advanced Capital Management, headquartered in St. Petersburg. [Get Your Benefits Review](https://retirementincomeplanningflorida.com/book-a-call/) [(727) 542-7659](tel:+17275427659) Complimentary 1 hour call. No obligation. **Locally Owned**St. Petersburg, FL **Same-Day Appointments**Call before noon **Serving the Greater Area**Tampa Bay & 11 states **Trusted by Hundreds**Since 1986 ## Request a Consultation Complimentary 1 hour call. No obligation. ### Thank you — we’ll call you within one business day. Prefer to connect right now? Book your 1 hour call instantly. [Book Online Instantly →](https://retirementincomeplanningflorida.com/book-a-call/) By submitting, you agree to our Privacy Policy. Review how we handle your information before submitting. [or Book Online Instantly →](https://retirementincomeplanningflorida.com/book-a-call/) 39+ Years in Business 2,000+ Clients Served FRC Certified Consultant 5.0 ★ Google Rating (30 Reviews) Retirement Income Planning Florida, a division of Advanced Capital Management, has been featured across major national news outlets. ![Featured in Business Insider, Fox News, SI, NBC, Yahoo Finance, AP, and Digital Journal](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-press.webp) [Yahoo Finance](https://finance.yahoo.com/small-business/articles/retirement-income-planning-florida-launches-102500471.html)[Business Insider](https://markets.businessinsider.com/news/currencies/retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-for-pre-retirees-1036518898)[AP News](https://apnews.com/press-release/globenewswire-mobile/press-release-142b3e91a32284258ca688f4b0c55900)[Benzinga](https://www.benzinga.com/content/61596629/retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-pre-retirees)[TradingView](https://www.tradingview.com/news/financewire:b7ea4e480094b:0-retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-for-pre-retirees/)[MetaTrader](https://www.metatrader.com/en/news/financewire/3983295-retirement-income-planning-florida-launches-no-cost)[FinanceWire](https://financewire.com/2026/09/03/retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-for-pre-retirees/)[AllPennyStocks](https://allpennystocks.com/newswires/9577914/retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-for-pre-retirees)[Bullish Investor](https://bullishinvestor.com/newswires/9577913/retirement-income-planning-florida-launches-no-cost-income-gap-analysis-program-for-pre-retirees)[USA News](https://usanews.com/newsroom/from-savings-to-income-rethinking-retirement-plans)[CEO Times](https://ceotimes.com/how-advanced-capital-management-helps-retirees-solve-the-retirement-income-gap-with-financial-independence-planning/)[BizWeekly](https://bizweekly.com/advanced-capital-management-turns-savings-into-income/)[Women’s Insider](https://womensinsider.com/business/2026-turning-life-savings-into-a-retirement-plan/) ★★★★★ 5.0 stars on Google · 30 reviews ★★★★★ > “John made everything absolutely wonderful and completely stress-free. He took the time to explain every detail clearly and ensure I felt confident in each decision.” Carol Brodnax ★★★★★ > “Their team is incredibly knowledgeable, professional, and genuinely invested in helping us achieve our financial goals. The personalized service has given us peace of mind.” Chris Kinkead ★★★★★ > “The indexed annuities he recommended have provided steady, reliable gains without the stress of stock market losses. I’m very thankful for his knowledge and professionalism.” Nate Perkins [Read All Reviews](https://www.google.com/search?q=Advanced+Capital+Management+Inc+St+Petersburg+FL+Reviews) ## Why do St. Petersburg retirees trust Retirement Income Planning Florida? Direct Answer Retirement Income Planning Florida, a division of Advanced Capital Management, is a family-run retirement specialist firm founded in St. Petersburg, Florida in 1986. With nearly four decades of experience, a perfect 5.0 Google rating, and FRC certification for federal employees, our team helps clients protect their savings and build retirement income that lasts. John Ziesing founded Retirement Income Planning Florida, a division of Advanced Capital Management, in 1986 after watching too many people spend their retirement years worrying about money. In most cases, the problem wasn’t how much they had saved. It was that their retirement income strategy was never built to last. ### Decades of Experience Most financial firms will tell you they’re experienced. At our team, our experience spans nearly 40 years. We’ve helped our clients navigate major market crashes, significant tax law changes, and every annuity product trend since the 1980s. When you’re making decisions about savings you spent a lifetime building, that kind of track record matters. ### A Perfect 5.0 Rating, Earned One Client at a Time our team serves clients across Pinellas County, Florida and ten other states, specializing in annuities, life insurance, and retirement income strategies designed to close the retirement income gap for good. The firm has maintained a perfect 5.0 Google rating, not through marketing, but through the kind of service that turns clients into advocates. We encourage you to read what they say. ### Real People, Right Here in St. Petersburg When you call us at [(727) 542-7659](tel:+17275427659), you reach someone who works right here in St. Petersburg. Most of our clients come from St. Pete, Largo, Seminole, Gulfport, and Pinellas Park, with many more across Tampa Bay and beyond. ### Our Approach We believe a good retirement strategy starts with planning and education, not a sales pitch. Our plans are built around your goals, your timeline, and your concerns. We explain exactly what you are buying, how it can protect you, and where its limitations lie so you can make decisions with confidence and no surprises down the road. Fiduciary Standard ## How John Ziesing Acts as a Fiduciary for Every Client Learn more about John ![John G. Ziesing, FRC](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-headshot.webp) John G. Ziesing, FRC Federal Retirement Consultant · National Producer #21694 Florida-licensed fiduciary serving Pinellas County since 1986 ![FRC - Federal Retirement Consultant certification](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-frc.jpeg) Direct Answer As a Florida-licensed insurance agent, John Ziesing has a fiduciary duty to act in each client’s best interests, explaining every policy in plain English, securing coverage that genuinely fits the client’s needs, and never making unilateral changes without first consulting the insured. ### Fiduciary Duty to Inform and Explain Coverage As a fiduciary, the agent must act in the best interests of the insured. That includes providing clear, detailed explanations about every annuity, life insurance, or retirement income policy we secure on your behalf. We make sure you fully understand the coverage you’ve purchased, every term, condition, surrender period, rider, fee, and tax implication attached to it. Just as importantly, agents are prohibited from making unilateral changes to a policy without first consulting the insured. Any change in coverage, endorsement, or exclusion is communicated and explained to you before anything is signed. No surprises, ever. ### Florida’s High Standard of Care In Florida, insurance agents are held to a high standard of care, required to act with reasonable skill, provide competent advice, and secure coverage that matches the client’s needs. Agents must communicate clearly and explain policy terms so clients are fully informed before committing. The legal concept of a “special relationship” further elevates the agent’s duty to advise, especially when there’s an ongoing, intimate understanding of the insured’s financial picture, exactly the kind of long-term relationship John has built with Pinellas County families for nearly four decades. #### Best-Interest Standard Every recommendation is required to put your needs ahead of any commission, carrier preference, or sales target. #### Plain-English Disclosure Every term, fee, surrender period, and rider is explained until you fully understand what you’re buying, before you sign. #### No Unilateral Changes Coverage, endorsements, and exclusions are never changed without first consulting and getting approval from you. ## Watch: Retirement Income, Explained John G. Ziesing, FRC, walks through how Florida retirees turn savings into dependable, tax-efficient income that lasts. Retirement Modernization ## How do I make my retirement accounts last in 2026? Direct Answer The strategy that got you to retirement is rarely the one that gets you through it. our team helps Tampa Bay retirees transition from the accumulation phase into a secure decumulation phase using Income Gap Planning, Guaranteed Lifetime Income, and tactical money management, designed to protect your nest egg from market volatility while you draw a paycheck for life. The largest fear in retirement is not a poor market year, it is outliving savings. Today’s retirees in Seminole, Largo, and across Tampa Bay are seeking modern retirement income strategies that go beyond the outdated 4% rule. They want a defensible safe withdrawal rate for 2026, a method to bridge the income gap, and protection against sequence-of-returns risk in the first decade of retirement. That is the firm’s focus. Retirement Income Planning Florida, led by John Ziesing, specializes in Income Gap Planning, applying the human judgment and tactical oversight that automated robo-advisors cannot replicate. The firm builds comprehensive retirement income strategies engineered to last a lifetime. ### Why a tactical approach works for retirees ### Guaranteed Lifetime Income our team leverages today’s highly competitive annuity rate environment to create a pension-style paycheck clients cannot outlive, directly addressing longevity risk. Contact us for a current illustration. ### Precision Retirement Tax Planning Using institutional Roth conversion software, the firm models distributions to minimize lifetime tax and limit exposure to rising RMD brackets. ### Tactical Money Management A tactical approach for Tampa Bay retirees protects principal from market volatility while still capturing meaningful growth. ### Comprehensive Estate Planning Legacy planning is integrated directly into the retirement income strategy so assets transfer to family efficiently. Ready to bridge the gap? Whether the goal is making retirement accounts last or securing a professional second opinion on a current allocation, our team provides clarity. Replace market anxiety with a documented Florida retirement plan. [Book Your Free Strategy Session](https://retirementincomeplanningflorida.com/book-a-call/) [Get the Free Income Gap Guide](https://retirementincomeplanningflorida.com/income-gap-guide-download/) ## Who is a good fit for an insurance agency in St. Petersburg? As retirement specialists, our team works with a specific group of people: those who are serious about building a plan that will hold up over time. If you are between 50 and 70 and ready to protect your savings, close your retirement income gap, and create income that lasts, we can help. Direct Answer our team works primarily with clients between 50 and 70 who are serious about closing their retirement income gap and building a reliable income strategy. That includes pre-retirees building annuity plans, recent retirees navigating 401(k) and TSP rollovers, federal employees maximizing their benefits, and families planning for long-term financial protection. ### Pre-Retirees 5 to 15 years from retirement. We help you determine your Financial Independence Number (FIN), the reliable monthly income needed to cover expenses without depending on the market, then put annuity and income solutions in place before you need them. ### Recent Retirees Just retired and not sure what to do with your 401(k) or TSP? A rollover handled correctly can become a reliable monthly income stream for life. We walk you through every option so you know exactly what you’re stepping into. ### Federal Employees Don’t leave money on the table. As a Federal Retirement Consultant (FRC), we’ve undergone specialized training to help you make the most of your FERS, CSRS, TSP, FEHB, and FEGLI benefits. ### Families & Couples Life insurance, estate planning, and college funding strategies for Pinellas County families who want to protect what they’ve built and transfer it tax-efficiently to the people who matter most. ## What annuity services are available in St. Petersburg? Many clients who come to our team are worried about market ups and downs eroding their retirement savings. They want a more stable path forward, one that protects their principal and provides reliable income regardless of what the market does. That is where annuities come in. Retirement Income Planning Florida, a division of Advanced Capital Management, has been helping clients across St. Petersburg and Pinellas County structure annuity solutions for nearly four decades. Direct Answer our team offers fixed index annuities, MYGAs, lifetime income annuities, income riders, and 401(k)/TSP rollovers in St. Petersburg. MYGA rates are currently among the most competitive we have seen in years, and lifetime income payouts vary based on age, investment amount, and product selection. Contact us for a current illustration tailored to your situation. ![Annuity services in St. Petersburg](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-annuities.webp) ### Annuities That Secure Your Lifestyle Fixed index annuities, lifetime income annuities, and 401(k) rollover options. We find the right fit for your retirement goals. ![Life insurance services in St. Petersburg](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-lifeins.webp) ### Tax-Free Life Insurance Options That Protect Your Family Index universal life, estate planning, and tax-free retirement income strategies for families across St. Petersburg. ![Retirement planning consulting in St. Petersburg](https://retirementincomeplanningflorida.com/wp-content/uploads/2026/06/acm-consulting.webp) ### Retirement Planning — FRC Certified Consulting Federal benefits analysis, Roth conversions, wealth management, and financial planning for government employees and civilians. ## Annuity Income Estimator See what your money could pay you monthly **How to use this calculator** - **Investment Amount** sets your starting principal. - **Years to Grow** controls the compounding period. - **Annuity Type and State** adjust the assumed crediting rate. - Projected value, growth, and a year-by-year chart appear below as you change inputs. Investment Amount $ 100,000 $10,000$100,000$2,000,000 Current Age Ages 40–85 Income Start Age When payments begin Gender State of Residence $631/mo Projected Monthly Income Projected Value at Age 65: $129,531 Based on 5.2% annual crediting (fixed-index estimate) Year-by-Year Growth Estimates only, not a guarantee. Actual annuity payouts vary by carrier, product, and current rate environment. Contact [(727) 542-7659](tel:+17275427659) for a current illustration. [Book a Review →](https://retirementincomeplanningflorida.com/book-a-call/) ### What investment services does our team offer in St. Petersburg? As an independent investment service in St. Petersburg, we focus on insurance-based investment solutions, fixed index annuities, MYGAs, and IUL cash value strategies, rather than market-exposed brokerage accounts. Our Pinellas County clients use these products to lock in tax-deferred growth without the risk of principal loss. We also handle 401(k), IRA, and TSP rollovers for federal employees stationed at the VA Medical Center, MacDill Air Force Base, and the St. Petersburg Coast Guard station. ### Which life insurance policies are available in Pinellas County? Retirement Income Planning Florida, a division of Advanced Capital Management, is a licensed life insurance agency serving St. Petersburg, Clearwater, Largo, Seminole, Gulfport, Tierra Verde, and the surrounding Tampa Bay area. We place Index Universal Life (IUL), term life, whole life, and final expense policies for families and high-income professionals. Many of our clients use IUL for tax-free supplemental retirement income through policy loans, especially helpful in Florida where there is no state income tax to shelter from in the first place. ### Where can I get retirement planning help in Tampa Bay? Our retirement planning center at 2500 Boca Ciega Dr N is where Tampa Bay residents come for one place to coordinate every piece of their retirement: Social Security timing, pension maximization, 401(k) and TSP rollovers, Roth conversion strategies, Medicare coordination, and guaranteed income through annuities. Pinellas County is one of the most retiree-dense counties in Florida, and we’ve built our process around the unique needs of people retiring here, from snowbirds splitting time with Ohio or Michigan to lifelong Floridians staying put. ## Explore Our Services ### Income Rider A frequent question at the St. Petersburg office is “how do I make sure I never run out of money?” For many clients, the answer is an income rider, an annuity add-on that guarantees a defined payout for life regardless of market performance. our team has structured income riders for teachers in Seminole, retired postal workers in Largo, and small business owners in downtown St. Pete. The rider grows the income base at a contractually specified rate until the income stream activates. Once activated, the rider pays a monthly benefit for life, even if the underlying account is depleted. [#### Retirement Income Planning Turn a lifetime of savings into a reliable monthly paycheck.](https://retirementincomeplanningflorida.com/retirement-income-planning/) [#### Retirement Income Gap Planning Close the gap between your guaranteed income and your expenses.](https://retirementincomeplanningflorida.com/retirement-income-gap-planning/) [#### Financial Advisor for Retirees Independent, fiduciary guidance built around retirement.](https://retirementincomeplanningflorida.com/financial-advisor-for-retirees/) [#### Annuity Advisor Match the right annuity to your income goals across carriers.](https://retirementincomeplanningflorida.com/annuity-advisor/) [#### Retirement Planner Coordinate Social Security, pensions, and guaranteed income.](https://retirementincomeplanningflorida.com/retirement-planner/) [#### Fixed Indexed Annuity Principal protection with market-linked growth potential.](https://retirementincomeplanningflorida.com/fixed-indexed-annuity/) [#### Immediate Annuity Start a guaranteed lifetime income stream right away.](https://retirementincomeplanningflorida.com/immediate-annuity/) [#### Annuity Rates See today’s competitive annuity rate environment.](https://retirementincomeplanningflorida.com/annuity-rates/) [#### Best Annuity Rates We shop multiple carriers to find your strongest rate.](https://retirementincomeplanningflorida.com/best-annuity-rates/) [#### Fixed Annuity Rates Fixed, predictable growth for a set term (MYGA).](https://retirementincomeplanningflorida.com/fixed-annuity-rates/) [#### Annuity Quotes Get a personalized illustration for your situation.](https://retirementincomeplanningflorida.com/annuity-quotes/) [#### Annuity Calculator Estimate what your savings could pay you monthly.](https://retirementincomeplanningflorida.com/annuity-calculator/) [#### Annuity Payout Calculator Project your monthly lifetime payout by age.](https://retirementincomeplanningflorida.com/annuity-payout-calculator/) [#### 401(k) Rollover to Annuity Roll your 401(k) into guaranteed lifetime income.](https://retirementincomeplanningflorida.com/401k-rollover-to-annuity/) [#### IRA Rollover to Annuity Convert your IRA into income you cannot outlive.](https://retirementincomeplanningflorida.com/ira-rollover-to-annuity/) #### Tax-Free Life Insurance (IUL) Index universal life for tax-free supplemental retirement income. #### Multi-Year Guaranteed Annuity (MYGA) Fixed, predictable rates for a set term, like a CD from an insurer. #### Income Rider An add-on that guarantees a defined lifetime payout regardless of the market. #### Roth Conversions Gap-year conversions modeled to minimize your lifetime tax bill. #### Estate Planning Pass assets to your family tax-efficiently, integrated with your income plan. #### Wealth Management Insurance-based strategies for growth and principal preservation. #### Investment Planning Tax-deferred, principal-protected investment solutions. #### Tactical Management Active management that protects principal from market volatility. #### Financial Planning A coordinated written plan for Social Security, pensions, and income. #### FRC Federal Benefits Planning FERS, CSRS, TSP, FEHB, and FEGLI optimization for federal employees. ## How do I get started with retirement planning at our team? Direct Answer our process has three steps: (1) book a complimentary 1 hour call by phone or video, (2) receive a written custom plan analyzing your 401(k), pension, Social Security, and benefits, and (3) we handle every transfer and policy application for you. 1 ### Schedule the Review Book your complimentary 1 hour call by phone or video. Call [(727) 542-7659](tel:+17275427659) or click below. Same-day appointments available when you call before noon. 2 ### Receive a Custom Plan We analyze your 401(k), pension, Social Security timing, and existing benefits, then deliver a written retirement income plan built specifically for your situation. 3 ### Implement and Monitor We handle every transfer, rollover, and policy application on your behalf, then monitor your plan ongoing to ensure it continues to perform as intended. [Book Your Free Strategy Session](https://retirementincomeplanningflorida.com/book-a-call/) ## What are the most common retirement mistakes in St. Petersburg? Direct Answer The five most common retirement mistakes in St. Petersburg are: claiming Social Security too early, leaving a 401(k) with a former employer, skipping Roth conversions in the gap years, underestimating Florida healthcare costs (approximately $300,000 per couple), and having no guaranteed lifetime income outside the stock market. 1 #### Claiming Social Security Too Early Claiming at 62 can reduce your monthly benefit by up to 30% permanently. For most Pinellas County retirees, waiting until 67 or 70 produces significantly more lifetime income, especially when paired with guaranteed annuity income that bridges the gap. 2 #### Leaving a 401(k) with a Former Employer Orphaned 401(k) accounts are often invested in default funds with higher fees and no income-oriented strategy. A properly structured rollover can convert that balance into guaranteed lifetime income without triggering a taxable event. 3 #### Skipping Roth Conversions in the “Gap Years” The years between retirement and age 73 (when RMDs begin) are often the lowest-income years of a retiree’s life. Converting traditional IRA funds to Roth during this window at lower tax rates can save tens of thousands in lifetime taxes. 4 #### Underestimating Healthcare Costs A Florida couple retiring at 65 may face $300,000 or more in out-of-pocket healthcare costs over their lifetime. Without a dedicated healthcare cost bucket in the retirement income plan, these expenses can derail even a well-funded strategy. 5 #### No Guaranteed Income Floor Relying entirely on the stock market for retirement income creates sequence-of-returns risk. A guaranteed income floor, typically a combination of Social Security and annuity income, provides a baseline that holds regardless of market conditions. ## How is our team different from other financial advisors? Financial advisors are not interchangeable. The comparison below illustrates how Retirement Income Planning Florida, a division of Advanced Capital Management, measures against a typical St. Petersburg or Florida-based firm. | Feature | our team | Typical Advisor | | --- | --- | --- | | Years of Experience | 39+ years since 1986 | 5 to 15 years avg. | | FRC Federal Retirement Certified | ✓ | ✗ | | Free Consultation | ✓ | Varies | | Independent — Shops Multiple Carriers | ✓ | Often captive | | Fiduciary, Plain-English Disclosure | ✓ | Varies | | Specializes in Decumulation / Income | ✓ | Accumulation focus | | Local St. Petersburg Office | ✓ | ✗ | ## Frequently Asked Questions About Insurance & Retirement Planning in St. Petersburg The questions below come directly from clients in St. Petersburg, Largo, Seminole, and across Pinellas County. Questions not addressed here can be directed to [(727) 542-7659](tel:+17275427659) for a direct response. ### What is a fixed index annuity and how does it work? A fixed index annuity (FIA) is a contract between you and an insurance company. Your principal is protected from market loss, but your account can earn interest credits linked to the performance of a market index such as the S&P 500. You participate in market upside up to a cap or participation rate, while your principal cannot decrease due to market performance. our team uses FIAs as a core building block for retirement income strategies throughout Pinellas County. ### What is the difference between a MYGA and a fixed index annuity? A Multi-Year Guaranteed Annuity (MYGA) is similar to a bank CD but offered by an insurance company. It pays a fixed, declared interest rate for a set term, typically 3 to 10 years. A fixed index annuity, by contrast, links interest credits to a market index. MYGAs are simpler and fully predictable. FIAs offer the potential for higher credits in strong markets while still protecting principal. our team recommends one or both depending on the client’s timeline and income goals. ### What is an income rider and do I need one? An income rider is an optional add-on to a fixed index annuity that creates a separate “income account” that grows at a contractually guaranteed rate, regardless of market performance. When you activate the rider, it pays a defined monthly income for life based on the income account value. Not everyone needs an income rider, but for clients who want a pension-style paycheck they cannot outlive, it is often the most cost-effective solution available today. ### How much does it cost to work with Retirement Income Planning Florida? The initial consultation is complimentary with no obligation. our team is compensated through carrier commissions when an annuity or life insurance product is placed, similar to how a real estate agent is compensated. There is no direct fee charged to the client for consultation, plan development, or product placement. As a fiduciary, every recommendation must serve the client’s best interest regardless of commission structure. ### Can I roll my 401(k) into an annuity without paying taxes? Yes. A direct rollover from a 401(k) or IRA to an annuity is a non-taxable event when handled correctly via a trustee-to-trustee transfer. The funds move directly from your old plan to the new annuity contract without passing through your hands, which avoids triggering income tax or early withdrawal penalties. our team manages this process on behalf of clients and ensures the paperwork is executed correctly from start to finish. ### Does our team serve clients outside of St. Petersburg and Florida? Yes. our team is licensed to serve clients in Florida and ten additional states. Many of our non-Florida clients are former St. Petersburg residents who have relocated, or Tampa Bay-area snowbirds who maintain residency in another state. Contact us to confirm licensing in your state before scheduling a review. ### What is the best age to buy an annuity? The optimal age depends on the annuity type and the client’s goals. For income-focused annuities with riders, purchasing in the late 50s to early 60s gives the income base more time to grow before activation, which results in a higher monthly payout. For MYGAs or accumulation-focused products, the right time is often determined by rate environment rather than age. our team evaluates current market rates from multiple carriers to find the best fit for your situation and timeline. ### What federal employee benefits can our team help me maximize? As a certified Federal Retirement Consultant (FRC), our team specializes in FERS and CSRS pension analysis, TSP rollover optimization, FEHB health insurance coordination with Medicare, FEGLI life insurance review, and Social Security timing for federal employees. We serve current and retired federal employees from the VA Medical Center, MacDill Air Force Base, and the St. Petersburg Coast Guard station, among others across Pinellas County. ## What areas does Retirement Income Planning Florida serve in Pinellas County? The our team office is located at 2500 Boca Ciega Dr N in St. Petersburg, FL 33710, near the water just west of Tyrone Square Mall. On-site parking is available. The firm serves clients throughout Tampa Bay, including downtown St. Petersburg near the Pier, Seminole, Gulfport, Largo, and the Gulf beaches. Pinellas County & Tampa Bay St. Petersburg Largo Seminole Gulfport Pinellas Park Clearwater Tierra Verde Dunedin Safety Harbor Tarpon Springs Tampa Brandon States We Serve Florida Georgia Alabama Tennessee North Carolina South Carolina Ohio Michigan New York Texas Virginia ## Explore Our Services & Service Areas ### Top Services [Retirement Income Planning](https://retirementincomeplanningflorida.com/retirement-income-planning/) [Retirement Income Gap Planning](https://retirementincomeplanningflorida.com/retirement-income-gap-planning/) [Financial Advisor for Retirees](https://retirementincomeplanningflorida.com/financial-advisor-for-retirees/) [Annuity Advisor](https://retirementincomeplanningflorida.com/annuity-advisor/) [Retirement Planner](https://retirementincomeplanningflorida.com/retirement-planner/) [Fixed Indexed Annuity](https://retirementincomeplanningflorida.com/fixed-indexed-annuity/) [Immediate Annuity](https://retirementincomeplanningflorida.com/immediate-annuity/) [Annuity Rates](https://retirementincomeplanningflorida.com/annuity-rates/) [Best Annuity Rates](https://retirementincomeplanningflorida.com/best-annuity-rates/) [Fixed Annuity Rates](https://retirementincomeplanningflorida.com/fixed-annuity-rates/) [Annuity Quotes](https://retirementincomeplanningflorida.com/annuity-quotes/) [Annuity Calculator](https://retirementincomeplanningflorida.com/annuity-calculator/) [Annuity Payout Calculator](https://retirementincomeplanningflorida.com/annuity-payout-calculator/) [401(k) Rollover to Annuity](https://retirementincomeplanningflorida.com/401k-rollover-to-annuity/) [IRA Rollover to Annuity](https://retirementincomeplanningflorida.com/ira-rollover-to-annuity/) ### Top Service Areas St. Petersburg, FL Largo, FL Seminole, FL Gulfport, FL Pinellas Park, FL Clearwater, FL Tierra Verde, FL Dunedin, FL Tampa, FL Pinellas County, FL Hillsborough County, FL Sarasota, FL ## Ready to Talk to a Real Insurance Agency in St. Petersburg? Complimentary 1 hour call. No obligation. Same-day appointments available. [Book Your Complimentary 1 Hour Call](https://retirementincomeplanningflorida.com/book-a-call/) [(727) 542-7659](tel:+17275427659) --- **Wondering how long your savings will actually last?** Retirement Income Planning Florida is a division of Advanced Capital Management, advising retirees from St. Petersburg since 1986. Fiduciary, licensed in 11 states, and we compare annuity contracts across carriers rather than selling one company's shelf. - Free 20 minute benefits review: (727) 542-7659 - Service areas: https://retirementincomeplanningflorida.com/locations/ - Full page: https://retirementincomeplanningflorida.com/