Retirement Planning Built Around Your Goals—Not Financial Products. Let's Build Your Plan Together.

Retirement planning is about more than investments. During your complimentary consultation, we'll discuss your goals, retirement income, Social Security, taxes, risk management, and other strategies to help you move forward with greater confidence.

How We Help You Build a Stronger Retirement

Retirement planning involves more than one decision. We help coordinate the important pieces so they work together around your goals.

Retirement Income Planning

Create a strategy designed to help turn your retirement savings into dependable income.

Social Security Optimization

Understand claiming strategies that may help maximize lifetime benefits.

Roth Conversion Planning

Learn how tax-efficient Roth conversion strategies may fit into your retirement plan.

Tax-Smart Retirement Planning

Explore ways to improve retirement tax diversification and flexibility.

Wealth Protection

Protect what you've worked hard to build while planning for future uncertainty.

Legacy Planning

Coordinate your retirement and estate planning goals for the next generation.

Why Choose Summit Wealth Consulting

Experience matters. So does having a strategy designed around your goals—not someone else's.

20+

Years of Experience

More than two decades of experience helping individuals and families navigate retirement planning with confidence.

Your Goals

Personalized Guidance

Every recommendation begins with your goals, not a one-size-fits-all financial product.

One Plan

Coordinated Planning

Your retirement income, taxes, Social Security, insurance, and legacy plan should work together—not separately.

Todd Shipley

Founder & Retirement Planning Advisor

Meet Todd Shipley

Helping Florida families make confident retirement decisions through education, planning, and personalized strategies.

For more than 20 years, I’ve helped individuals and families build retirement strategies with greater confidence.

I believe retirement planning should be understandable, coordinated, and built around your goals—not simply focused on financial products.

Every client has a different story. That's why I take the time to understand where you are today, where you want to go, and the concerns that matter most to you.

Together we'll review retirement income, Social Security, taxes, insurance, risk management, and legacy planning to identify opportunities that fit your situation.

Our first meeting is simply a conversation—no pressure and no obligation.

Areas We Can Discuss

✓ Retirement Income Planning


✓ Social Security Decisions


✓ Roth Conversion Strategies


✓ Tax-Diversified Retirement


✓ Annuities and Life Insurance


✓ Wealth Protection and Legacy Planning

What to Expect During Your Consultation

Your complimentary 30-minute consultation is designed to help us understand your goals, identify your concerns, and clarify the next steps that may make sense for you.

Your consultation is educational, pressure-free, and focused entirely on helping you make informed decisions.

Ready to start the conversation? We'd be honored to help you plan with confidence.

01

We Listen

We begin by understanding your goals, priorities, concerns, and the retirement decisions you're facing.

02

We Evaluate

Together we'll review the key areas of your retirement strategy and identify opportunities that may strengthen your plan.

03

We Clarify Next Steps

You'll leave with greater clarity, practical next steps, and a better understanding of your available options.

What Our Clients Are Saying

Helping individuals and families make confident retirement decisions is what we do every day. Here's what a few of our clients have shared about their experience.

— Melissa

Working with Summit Wealth Consulting has been an amazing experience. Their team is knowledgeable, professional, and genuinely cares about helping their clients reach their financial goals. My advisor took the time to explain everything clearly and made the entire process feel comfortable and stress-free. I truly appreciate their honesty, guidance, and attention to detail. Highly recommend to anyone looking for trustworthy financial advice and long-term planning!

— Scott

When I first met Todd, I had bits and pieces of insurance and savings, but no real structure or direction. He took the time to listen to my goals, explain how life and other insurance tools could protect my income and my family, and then built a simple, step‑by‑step plan I could actually follow.

— Dimas

Great group and the gentleman Todd is always ready to help get the job done. Thank you!

Your retirement deserves more than generic advice. Every recommendation begins with understanding your goals, your concerns, and your vision for retirement.

Frequently Asked Questions

Here are answers to a few of the questions we hear most often before a first consultation.

Is the consultation really complimentary?

Yes. The initial 30-minute Retirement Strategy Consultation is complimentary and designed to help us understand your goals, concerns, and questions. There is no obligation to move forward.

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What should I expect during the consultation?

We will discuss your retirement goals, current concerns, income needs, Social Security, taxes, insurance, and other planning priorities. The purpose is to help clarify your situation and determine what next steps may make sense.

We use strategic asset allocation, regular market analysis, and portfolio reviews to align with your risk tolerance.

Do I need to bring anything to the meeting?

You do not need to provide documents before the first conversation. It may be helpful to have a general understanding of your retirement accounts, expected income sources, insurance coverage, and the questions you want to discuss.

Will I receive financial recommendations during the first meeting?

The first consultation is primarily a discovery conversation. Specific recommendations generally require a more complete review of your individual circumstances, goals, financial information, and available options.

Our fees are transparent and vary based on the services provided, including flat and percentage-based options

Who is the consultation best suited for?

The consultation is designed for individuals and families who want greater clarity around retirement income, Social Security, Roth conversions, taxes, annuities, life insurance, wealth protection, or legacy planning.

We provide quarterly portfolio reviews and performance updates, with flexibility based on your preferences.

Is my personal information kept confidential?

Yes. Information you share is treated as confidential and used only to prepare for, communicate about, and provide the services related to your consultation and planning relationship.

Schedule Your Complimentary Retirement Strategy Consultation

Choose a convenient time below for your complimentary 30-minute conversation with Todd Shipley. We’ll discuss your goals, questions, and the retirement decisions that matter most to you.

Your information is kept confidential and is used only to prepare for and communicate about your consultation.

Having trouble scheduling? Call 321-418-1958 or email [email protected]

Ready to Build Your Retirement Strategy?

Whether you're preparing for retirement, already retired, or simply want a second opinion, we're here to help you make confident financial decisions.