Insurance Agency Serving
Clearwater, FL
Annuities, Life Insurance & Retirement Planning for Clearwater Residents
Advanced Capital Management has been helping families in Clearwater and across Pinellas County with retirement planning, annuities, and life insurance since 1986. Our office is about 30 minutes from Clearwater — and we're always just a phone call away.
⏱ Same-week availability · 100% free · No pressure, no obligation
Retirement Planning & Insurance for Clearwater Residents
If your looking for an insurance agency that serves Clearwater and actually knows retirement planning inside and out, Advanced Capital Management has been doing this since 1986. We're based in St. Petersburg — about 30 minutes south on US-19 — but we work with a lot of Clearwater families who want local expertise without the big-firm runaround.
Clearwater has a mix of working professionals, small business owners, and retirees. Whether you're still working at Morton Plant Hospital, running a business on Cleveland Street, or retired and enjoying life near Clearwater Beach, your retirement plan needs to match your actual lifestyle and expenses.
We offer every Clearwater resident a free 20-minute benefits review. You tell us what you've got saved, what income you need, and what's keeping you up at night. We'll tell you honestly where you stand and what your best options are. No cost, no sales pitch.
What We Offer Clearwater Clients
Annuities
Fixed index annuities, lifetime income annuities, multi year guaranteed annuities, and 401(k) rollovers for Clearwater residents looking for guaranteed retirement income.
Learn MoreTax-Free Life Insurance
Index universal life insurance with tax-free cash value, death benefit protection, college funding, and mortgage protection for families in Clearwater.
Learn MoreRetirement Planning
FRC certified federal benefits consulting, social security optimization, Roth conversions, and income planning for Clearwater residents approaching retirement.
Learn MoreWhy Clearwater Residents Trust ACM
Clearwater is the county seat of Pinellas County, and it's got a big mix of people — from young families in Countryside to retirees in Clearwater Beach condos. That means we see all kinds of financial situations from Clearwater clients. Some have great pensions and just need help optimizing social security. Others have pieced together savings from multiple jobs and need help organizing it all into a real plan.
The cost of living in Clearwater keeps going up, especially with property insurance and healthcare. A retirement plan that worked five years ago might not work now. We help Clearwater residents stress-test their plans against rising costs so they dont run into trouble ten years into retirement.
We're also the go-to firm for federal employees in the Clearwater area. John Ziesing's FRC certification means he can dive deep into your FERS, TSP, and FEHB benefits. A lot of federal workers in Clearwater have no idea how much their benefits package is actually worth until someone like us breaks it down for them.
Common Retirement Questions from Clearwater Clients
"I'm self-employed in Clearwater — what are my retirement options?"
Self-employed Clearwater residents don't have employer 401(k) matches or pensions. But you've got great options — SEP IRAs, solo 401(k)s, and annuities can all work together to build guaranteed retirement income. We help you figure out the best combination based on your income and tax situation.
"I want to retire to Clearwater Beach — can I afford it?"
Living on or near Clearwater Beach is more expensive than inland Pinellas County. We help people moving to Clearwater figure out if their retirement savings can support a beach lifestyle — factoring in higher insurance, HOA fees, and property taxes. Sometimes a well-structured annuity plan makes the difference.
"My financial advisor left the industry — now what?"
This happens more than people think. If your old advisor retired or changed careers, your accounts might be sitting with no one watching them. We help Clearwater residents review orphaned accounts, consolidate where it makes sense, and build a fresh plan with someone who'll actually be there for the long haul.
"How do I deal with required minimum distributions?"
Once you hit 73, the IRS requires you to start pulling money out of traditional IRAs and 401(k)s — whether you need it or not. Bad planning can push you into a higher tax bracket. We help Clearwater retirees plan their RMDs years in advance, often using Roth conversions to reduce the tax burden.
Why Clearwater Families Choose Advanced Capital Management
- 35+ years of experience in Pinellas County
- FRC certified Federal Benefit Consultant
- Perfect 5.0 star Google rating — 28 real reviews
- Free 20-minute consultation, no obligation
- Independent agency — we shop dozens of carriers
- Licensed in 11 states for multi-state families
⏱ Same-week availability · 100% free · No pressure, no obligation
Frequently Asked Questions — Clearwater Insurance & Retirement
Real questions from clients in Clearwater and surrounding areas. Call us at (727) 542-7659 if you don't see your question here.
Does Advanced Capital Management serve Clearwater FL?
Who is the best retirement planner near Clearwater FL?
What is a fixed index annuity and is it good for Clearwater retirees?
Can you help Clearwater federal employees with TSP rollovers?
How far is your office from Clearwater?
Book Your Free 20-Minute Benefits Review
Pick a time that works for you. We'll review your current plan, answer your questions, and show you where you stand — no pressure, no obligation. Available by phone, video, or in person for Clearwater residents.
⏱ Same-week availability · 100% free · No pressure, no obligation
Also Serving Nearby Clearwater Communities
Our office is at 2500 Boca Ciega Dr N in St. Petersburg. We serve clients throughout Pinellas County and Tampa Bay. Whether you're in Clearwater or any of these nearby areas, we're here to help.
Book Your Free 20-Minute Benefits Review
No obligation, no pressure. Just honest answers from a team that's been helping Clearwater and Pinellas County families since 1986.
⏱ Same-week availability · 100% free · No pressure, no obligation