Crafting Your Financial Future with Confidence!
Your retirement is a significant milestone that requires careful planning, and a strategy tailored to your unique needs. With over 40 years of experience, we assist families in navigating their retirement options with confidence. If you are 59½ or older, and still working, you may be eligible for an In-Service Rollover to an IRA, which could provide additional flexibility and control over your retirement assets. Exploring your options today can help you make informed decisions for a more secure future as outlined below.
Don’t wait to protect what you have built. Take action today!
Local Experience, Comprehensive Solutions
Since establishing our Oldsmar office, Tampa Bay Advisory has helped countless neighbors throughout Pinellas, Hillsborough, and Pasco counties navigate their financial futures. Our roots in the Tampa Bay community run deep, giving us unique insight into the financial opportunities and challenges local families and businesses face.
Your Financial Partner for Life's Journey
Every financial story is unique. Whether you're a business owner in Clearwater looking to protect your legacy, a family in Tampa planning for retirement, or a professional in St. Petersburg seeking to optimize your wealth strategy, we provide the guidance you need at every step.
Enhance Your Retirement Strategy with an In-Service Rollover to an IRA
If you are 59 ½ or older and still working, you may have the option to complete an In-Service Rollover to an IRA. This allows you to transfer eligible funds from your 401(k) or 403(b) into a self-directed IRA—without changing jobs.
Potential Benefits of an In-Service Rollover:
Retirement Income Planning – Learn how an IRA may help structure your retirement income and provide options for a surviving spouse.
Expanded Investment Options – Unlike employer-sponsored plans, IRAs offer access to a broader range of investment choices.
Fee Transparency & Greater Control – Some company plans have administrative costs or restrictions. An IRA allows for greater flexibility and fee transparency.
Risk Management Strategies – As retirement approaches, managing market risk is important. An IRA may offer investment options designed to align with your risk tolerance.
Tax-Advantaged Growth & Legacy Planning – IRAs can provide tax-deferred growth and may offer estate planning benefits.
An In-Service Rollover does not affect your ability to continue contributing to your 401(k), 403(b) or receiving employer-matching contributions. It is simply an option to explore additional diversification and flexibility in managing your retirement assets.
To better understand how an In-Service Rollover might fit into your retirement strategy, we can prepare a personalized “Future Income Report”. This report projects potential retirement income based on available rollover amounts, helping you make informed decisions.
Want to Learn More?
Contact us to discuss whether an In-Service Rollover aligns with your financial goals
Our Core Services
Retirement Planning
Lifetime Income Strategies, Including for Surviving Spouses
Inflation and Tax Planning Approaches
Preparing for Health Care Costs in Retirement
Clear, Written Plans and Directives
Identifying and Addressing Income Gaps
Strategies to Optimize Social Security Benefits
Managing Market Volatility and Risk
Tax-Efficient Retirement Planning
Addressing Inflation’s Impact on Retirement
Business Services
Exit planning strategies.
Key person protection.
Succession planning.
Business valuation services.
Estate Planning
Legacy protection strategies.
Wealth transfer planning.
Family protection solutions.
Insurance Solutions
Long-term care planning.
Life insurance strategies.
Surving spouse income protection.
Final expense planning.
7 Retirement Roadblocks Workbook
In a world of digital-only advisors and distant call centers, we believe in the power of face-to-face relationships. As your neighbors in Tampa Bay, we understand the unique opportunities and challenges our community faces.
Our Path to Your Success
Longevity Risk
Living longer means planning for more years of income.
Inflation Risk
Over time, your purchasing power may decline.
Sequence of Returns Risk
Market timing can impact long-term wealth.
Withdrawal Rate Risk
Managing withdrawals is key to making money last.
Social Security Risk
Your claiming strategy affects lifetime benefits.
Health Care Risk
Unexpected medical costs can impact your savings.
Taxation Risk
When and how you pay taxes can affect your wealth.
Because your financial future deserves more than a one-size-fits-all approach.
The Hidden Threats to Your Retirement
(And How to Avoid Them)
Ready to navigate retirement's biggest challenges?
Download the "7 Retirement Roadblocks Workbook" and learn how to protect your nest egg from potential roadblocks like longevity risk, inflation risk, sequence of returns risk, withdrawal rate risk, social security risk, healthcare risk, and taxation risk.
Join Bill and Jill on their journey to discover proven strategies that can help secure your financial future.
Meet Your Advisory Team
Michael Watkins
Principal Advisor and Founding Partner With deep roots in the Tampa Bay community, Michael specializes in helping business owners and families create comprehensive financial strategies.
Rick Miller
Principal Advisor and Founding Partner Rick brings decades of experience in retirement and estate planning to help Tampa Bay residents secure their financial futures.
Rick Miller
Local Expertise, Trusted Guidance
From our office in Oldsmar, we serve clients throughout Florida.
-Tampa - St. Petersburg - Clearwater -Palm Harbor
- Safety Harbor -Dunedin - Trinity - Wesley Chapel
Begin Your Path to Financial Confidence
Your Journey to Financial Freedom Starts Here
Whether you're dreaming of a secure retirement, protecting your family's future, or building a lasting business legacy, the first step is a conversation about what matters most to you.
We'll Help You:
Transform retirement uncertainty into confidence.
Create a shield of protection around your family's future.
Build a lasting legacy for your business.
Design an estate plan that preserves your wealth.
Complimentary 30-Minute Consultation
Let's Design Your Financial Future Together
Your Path to Confidence Begins Here
Join us at our Oldsmar office for a relaxed, no-pressure conversation about your financial goals. Get the clarity you need with guidance you can trust.
Disclosure
Investment advisory services offered through Virtue Capital Management, LLC (VCM), a registered investment advisor. VCM and Tampa Bay Advisory, LLC are independent of each other. For a complete description of investment risks, fees and services, review the Virtue Capital Management firm brochure (ADV Part 2A) which is available from your Investment Advisor Representative or by contacting Virtue Capital Management. Information provided is not intended as tax or legal advice and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional. Michael Watkins and/or Tampa Bay Advisory, LLC are not affiliated with or endorsed by the Social Security Administration or any other government agency. Insurance and annuity products are not sold through Virtue Capital Management, LLC (“VCM”). VCM does not endorse any annuity or insurance product, nor does it guarantee any annuity or insurance product’s performance. Index or fixed annuities are not designed for short-term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract. Any guarantees mentioned are backed by the financial strength and claims paying ability of the issuing insurance company. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives.
Visit Our Oldsmar Office
By Appointment Only
Tampa Bay Advisory
(844) 603-1400
172-A State Street East
Oldsmar, FL