Community
Rooted here since 2008.
We’re part of the Port St. Lucie and Stuart communities. In 2018, to mark ten years in business, we ran Ten Weeks of Charity, giving $1,000 each week to a different charitable organization.
Retirement planning on Florida’s Treasure Coast
You worked decades for this. Don’t leave it to chance.
We build one plan for your income, taxes, investments, insurance, and legacy, then keep it current as your life changes. We’ve been doing it on the Treasure Coast since 2008.
See If We’re a Fit
See what we doYour first meeting is complimentary, with no strings attached.
- Since 2008
- Two Treasure Coast offices
- Fee-based planning
- SEC-registered adviser
The whole picture
A projection isn’t a plan.
Ask most people what a financial plan is and they’ll describe a projection: what $100,000 turns into in 20 years. A real plan asks harder questions. What if one of you gets sick, or dies early? What if tax law changes, markets fall, or inflation runs hot? What if a child or grandchild needs your help?
- Financial planning
- Retirement income
- Emergency funding
- Income replacement
- Asset building
- Income optimization
- Tax planning
- Roth conversion analysis
- 1040 tax optimization
- Prior-year return reviews
- Business tax return reviews
- Personalized tax reduction
- Investment management
- Risk tolerance review
- Cash needs
- Time horizon
- Annuities
- Life insurance
- Living benefit riders
- Legacy enhancement
- Estate protection
- Generational wealth transfer
- Wills
- Living wills
- Health care proxies
- Powers of attorney
- Trusts
- Estate conservation
Handle these one at a time and they start working against each other. Your plan has to hold them all together, steady enough to count on and flexible enough to bend when life does. That’s what the 8 Elements are for.
Find the Gaps in My Plan
Watch
Why I do this work.
No time to watch? Here’s the short version.
- My father died at 53, and no one was there to help my mother. That’s why I do this work.
- I’m not impressed or depressed by money. I just want to help the family sitting across from me.
- I opened The Terrio Group in 2008, in the middle of the recession. Today we have offices in Port St. Lucie and Stuart.
- I built the process every one of our plans runs on: the 8 Elements of Financial Control.
- You may have seen me on Treasure Coast TV, or quoted in The Wall Street Journal and Fox Business.
- I speak at Yellow Ribbon events for service members heading out on deployment or coming home.
The 8 Elements of Financial Control
Eight elements. One connected plan.
Fix one part of your money in isolation and you can quietly break another. I built the 8 Elements of Financial Control so that never happens. Follow the arrows: each element feeds the next, and the last one leads back to the first. We revisit all eight as your life changes.
Element 1 of 8 · Phase One
Income Optimization
Income is the foundation of a financial plan. This element is designed to help make sure you’re taking income in the most tax-efficient way, and that you have enough guaranteed income sources to bring certainty to your financial life. Predictable income is what lets you be spontaneous about the things you enjoy and live the retirement you pictured.
Phase One: What you have, how it works, and how it affects you
Phase One
Phase Two
How we work
Evaluate. Investigate. Educate. Activate.
Four steps, and you’re in control of every one. Nothing gets recommended until we know you, and nothing happens until you understand it.
- 01
Evaluate
Your first meeting is about you, so leave your statements at home. We get to know you first, and you decide whether we’re the right fit.
- 02
Investigate
Then we look at your numbers: what you own, what each piece is doing, and where the gaps are.
- 03
Educate
When we do make a recommendation, we explain it in plain English, so you know exactly what it does before you act on it.
- 04
Activate
We put the plan to work and stay on it with you, adjusting as your life and the economy change.
What we do
Every part of your money, in one plan.
Most people come in for one thing. A retirement income question turns into a tax question, which turns into an estate question. That’s why we plan them together.
Financial Planning
Your income, investments, taxes, insurance, and estate in one plan, so a move in one place doesn’t backfire in another.
- Coordinated by an independent, fee-based RIA
- Education over transactions
Retirement Planning
Find out if what you’ve built will last as long as you need it to, and what to change if it won’t.
- A plan built around personal, professional, and business goals
- A full review of everything you already own
- A revised plan that puts what you have to better use
- Clear reporting, and course corrections along the way
Investment Management
Portfolios built around your goals, timeline, comfort with risk, cash needs, and taxes, not a model pulled off the shelf.
- Discretionary management, with accounts typically reviewed monthly
- No limits on the types of investments we recommend
- Strategies aimed at preserving principal, generating income, or building capital
Tax Planning
What you pay in taxes decides how much you keep. We plan for it all year, not just in April.
- Roth Conversion Analysis
- 1040 Tax Optimization Reports
- Personalized Tax Reduction Reports
- Individual and Business Tax Return Reviews
- 2nd Opinion Prior Year Reviews
Annuities and Life Insurance
Income and protection tools we use only where they fit your plan, with every trade-off on the table.
- Tax-advantaged accumulation and estate preservation features
- Lifetime income options, some that keep access to principal
- Living benefit riders for terminal, critical, or chronic illness
Estate Conservation
Without a plan, state law decides who gets what. Decide for yourself how your assets pass to the people you love.
- Strategies to reduce estate taxes and settlement costs
- Wills, living wills, health care proxies, and powers of attorney
- Trusts, coordinated with your attorney
Where people start
Most people arrive at a moment, not a plan.
Something changes, and the money questions you’ve been putting off can’t wait anymore. Which of these sounds like you?
Click any stage to see what we cover.Tap any stage to see what we cover.
What we work through
- Where the money comes from once the paycheck stops, and what it would take to close the gap
- The order you would draw from accounts, and what each source costs you in tax
- Revenue Replacer
- Income Optimization
What we work through
- Keeping the income steady in the years when markets are not
- Planning around this year’s bracket and the ones after it, rather than treating tax as an April problem
- Income Optimization
- Tax Planner
What we work through
- Putting it to work around your goals, your time horizon, and how much market movement you can live with
- The tax consequence of the event itself, and of every decision that follows it
- Asset Builder
- Tax Planner
What we work through
- Cash you can reach without unwinding the rest of the plan
- Long-term care costs, and how far they can reach when no one has planned for them
- Emergency Builder
- Legacy Defender
What we work through
- How assets are titled, who is named on them, and which vehicles lose the least along the way
- Preparing heirs for what they will inherit, not only leaving it to them
- Legacy Enhancer
- Dynasty Creator
Illustrative situations only. These are not clients of the firm, not descriptions of any client’s circumstances, and not a statement of results anyone has obtained.
In plain English
Money talk you can actually follow.
On my Treasure Coast TV segments I break down everyday money topics: the Social Security mistakes to avoid, getting your finances ready for hurricane season, summer spending hangovers, and what happens when friends and money mix.
The Terrio Group is not affiliated with these stations or programs, and did not pay for this coverage. Media appearances and quotations are provided for informational purposes and do not constitute an endorsement of the firm by any media outlet.
Insights
Read before you decide.
Articles from the team on retirement income, taxes, insurance, and legacy planning.
Straight answers
What fiduciary means here.
FAQ
Questions people ask before they call.
- We call it the Evaluate step, and it’s complimentary. You don’t bring statements or do any homework. We spend the time getting to know you: your family, your goals, and what’s on your mind. It’s your chance to size us up, and our chance to make sure we can really help. If it isn’t the right fit, no harm done. Planning work after that is fee-based, and we don’t recommend anything until we know you and your numbers, which usually takes a few meetings.
Your next step
Waiting is a decision too.
Leave your income, taxes, and estate alone long enough and the defaults decide for you. Start with one conversation instead. It’s complimentary, and there’s no homework.
- Port St. Lucie
- Stuart
- Mon to Fri, 8:30 AM to 4:30 PM