Concierge Financial Planning, LLC

Concierge Financial Planning, LLC is a Financial Planner in Margate, FL. The firm operates as an independent, Fee-Only financial planning and Registered Investment Advisory practice. It serves individuals and families age 50 and over, providing hourly, as-needed, or ongoing financial and retirement planning regardless of net worth, income, or investable assets. As a Fee-Only advisor, the firm does not receive commissions, minimizing potential conflicts of interest regarding compensation. Clients engage the firm for practical solutions aimed at peace of mind, with services covering financial planning, retirement planning, and comprehensive wealth management strategies.

The founder and Principal, Ann Minnium, holds CFP and RICP designations. Her professional background includes training through the Morgan Finance Program at JP Morgan, work at Bankers Trust Company during the early development of the financial derivatives market, and a role at Deutsche Bank in Hong Kong. Following this Wall Street experience, she applied her skills to the non-profit sector on a pro bono basis. At Concierge Financial Planning, she offers complimentary financial planning seminars to the community. Her approach combines these distinct experiences to help clients make informed personal financial decisions.

Specific retirement planning services include budgeting and cash flow analysis to determine safe retirement timing, decumulation and distribution planning to prolong portfolio life, and tax planning strategies for efficient wealth transfer. The firm also advises on pension lump sums versus annuity distributions, Social Security maximization, and long-term care planning using analytical tools to visualize portfolio success under different risk scenarios. Portfolio design and asset allocation are tailored to build wealth, reduce risk, and maximize the stability of inflation-adjusted retirement income. Financial objectives addressed include ensuring retirement income, reducing tax burdens, saving for a new home, preserving personal wealth, maximizing wealth transfer, establishing charitable legacies, and reducing the risk of financially devastating events.

The business holds a 5.00 rating based on one review. This positive feedback reflects the client experience with the firm's advisory services.

Concierge Financial Planning, LLC provides independent, fee-only financial and retirement planning to residents in Margate, FL, focusing on practical, achievable solutions for clients age 50 and over.