Retirement, Tax, and Estate Planning in St. Petersburg, FL

Oxford Advisory Group’s St. Petersburg office is at 150 Second Ave N, Suite 1270, St. Petersburg, FL 33701. We work with retirees, people preparing for retirement, and business owners who want to understand how their income, taxes, investments, and estate plans fit together.

Every situation is different. Our goal is to help you understand your options so you can make informed decisions about the next stage of your financial life.

Downtown St. Petersburg, FL, near the Oxford Advisory Group office on Second Ave N

Oxford Advisory Group – St. Petersburg, FL

150 Second Ave N, Suite 1270
St. Petersburg, FL 33701

Phone: (407) 495-2004
Email: info@oxfordadvisorygroup.com

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Services Available Through Our St. Petersburg Office

Retirement planning – Income planning, tax planning, investment management, risk management, and legacy planning brought together in one retirement plan.
Retirement income strategies – Looking at how Social Security, pensions, and investments may work together to support income in retirement, including when to claim Social Security.
Retirement withdrawal strategies – Reviewing the order and timing of withdrawals from your accounts, including required minimum distributions.
Tax preparation and advice – Tax preparation guidance and tax-efficient withdrawal strategies, so tax considerations are part of your retirement decisions.
Wealth management – An ongoing, coordinated approach to your investments, taxes, and estate goals.
Investment planning – Identifying your financial goals and laying out a pathway toward them, starting with your current financial situation.
IRA and 401(k) planning – Questions about IRAs, 401(k) plans, and rollovers when you change jobs or retire.
Estate planning – Taking inventory of your estate and working alongside your estate attorney, or recommending one, as you put a plan in place.

See all of our financial services or learn about our Registered Financial Consultants.

Retirement Planning for Pinellas County Residents

Our St. Petersburg office is at 150 Second Ave N, Suite 1270, in downtown St. Pete. It may be a convenient place to meet for people living across Pinellas County, from Clearwater and Largo to Seminole, Pinellas Park, Gulfport, South Pasadena, and St. Pete Beach.

Coastal living and your retirement budget

For many Pinellas County homeowners, property insurance, flood coverage, and storm preparation can be significant and sometimes unpredictable costs. Building those expenses into a retirement spending plan, along with a cash reserve for repairs, may help reduce the pressure to sell investments at an inconvenient time.

Income, taxes, and Social Security

Florida does not have a state personal income tax, so planning in St. Petersburg tends to focus on federal taxes. The order in which you draw from IRAs, Roth accounts, and taxable savings can change your tax bill from year to year. Social Security can begin as early as 62 or as late as 70, and coordinating that choice with withdrawals may affect how long savings could last.

Required distributions and rollovers

Under current rules, required minimum distributions generally begin at 73 for many retirees. If you are leaving an employer, a rollover is one of several options for a workplace plan, and it may help to compare costs and rules before deciding.

Estate and healthcare planning

Reviewing wills, trusts, beneficiary forms, and healthcare directives with a Florida attorney can help keep your plans current, especially after a move. Medicare premiums and long-term care are also worth planning for.

Communities near our St. Petersburg office

Clearwater
Largo
Pinellas Park
Seminole
Gulfport
St. Pete Beach
South Pasadena

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Frequently Asked Questions About Our St. Petersburg Office

Where is Oxford Advisory Group's St. Petersburg office?

The St. Petersburg office is at 150 Second Ave N, Suite 1270, St. Petersburg, FL 33701, in downtown St. Pete. Call (407) 495-2004 to ask about a meeting.

What planning topics can the St. Petersburg office help with?

Conversations often cover retirement income, Social Security timing, tax-aware withdrawals, rollovers, estate planning, and long-term care. The right mix may depend on your goals and circumstances.

Does Florida tax retirement income?

Florida does not have a state personal income tax, but federal income tax may still apply to IRA and 401(k) withdrawals, pensions, and part of your Social Security benefit.

How should I budget for home insurance in retirement?

Property and flood insurance costs in coastal areas can change from year to year. Many retirees include these costs, plus a cash reserve for repairs, in their spending plan so that unexpected increases may be easier to absorb.

When do required minimum distributions begin?

Under current federal rules, RMDs generally begin at age 73 for many people, and the starting age is scheduled to rise to 75 for those born in 1960 or later.