Insurance Agency Serving
St. Petersburg, FL
Annuities, Life Insurance & Retirement Planning for St. Petersburg Residents
Advanced Capital Management has been helping families in St. Petersburg and across Pinellas County with retirement planning, annuities, and life insurance since 1986. Our office is right here in St. Petersburg at 2500 Boca Ciega Dr N — and we're always just a phone call away.
⏱ Same-week availability · 100% free · No pressure, no obligation
Retirement Planning & Insurance for St. Petersburg Residents
St. Petersburg is home base for Advanced Capital Management. Our office has been at 2500 Boca Ciega Dr N since 1986, and we've helped thousands of St. Pete residents — from Old Northeast and Snell Isle to Pasadena, Bayway Isles, and Coquina Key — build retirement income they can actually count on.
We specialize in fixed and fixed index annuities, multi-year guaranteed annuities (MYGAs), tax-free life insurance (IUL), and 401(k) / TSP / IRA rollovers. If you live in St. Petersburg and want a local, independent agency that understands Florida retirement, we're a 5-minute drive — or one phone call — away.
Your first 20-minute benefits review is free. No pressure, no sales pitch — just an honest look at where you stand and what your options are. Call (727) 542-7659.
What We Offer St. Petersburg Clients
Annuities
Fixed index annuities, lifetime income annuities, multi year guaranteed annuities, and 401(k) rollovers for St. Petersburg 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 St. Petersburg.
Learn MoreRetirement Planning
FRC certified federal benefits consulting, social security optimization, Roth conversions, and income planning for St. Petersburg residents approaching retirement.
Learn MoreWhy St. Petersburg Residents Trust ACM
St. Petersburg has one of the largest concentrations of retirees in Tampa Bay, and the cost of living here has shifted quickly — property taxes, hurricane and flood insurance, HOA fees, and grocery costs are all up. We help St. Pete clients build guaranteed income streams that keep pace with rising fixed costs so your lifestyle doesn't have to shrink.
Many St. Petersburg residents are federal employees or retirees from Bay Pines VA, the Coast Guard, USPS, or other agencies. John Ziesing is FRC-certified (Federal Retirement Consultant) and analyzes FERS, CSRS, TSP, FEHB, and FEGLI in detail — most federal retirees we meet are leaving real money on the table without realizing it.
Florida has no state income tax and no estate tax. For St. Pete retirees who relocated from New York, New Jersey, Ohio, Michigan, or Pennsylvania, the long-term savings are enormous. We structure rollovers, Roth conversions, and IUL strategies that maximize the Florida advantage.
Common Retirement Questions from St. Petersburg Clients
"I have a 401(k) from an old job — what should I do with it?"
This is the #1 question we get from St. Pete clients. Old 401(k)s often charge fees you don't see and offer limited investment choices. Rolling into an IRA or annuity gives you more control, lower costs, and (with the right product) guaranteed lifetime income. We handle all the paperwork.
"Insurance and HOA fees keep going up — how do I protect my income?"
We build rising fixed costs into every projection. Lifetime income annuities and income riders pay a guaranteed monthly check for life so your insurance, HOA, and property taxes are covered no matter what the market does.
"My CDs are maturing — is there something safer with a better rate?"
Top 5-year MYGAs are paying about 5.85% guaranteed in 2026, with full principal protection and tax-deferred growth. We ladder MYGAs across multiple A-rated carriers within state guaranty fund limits so you stay safe and liquid.
"When should I claim Social Security?"
Every year you wait past 62, your benefit grows roughly 8%. For most St. Pete clients, waiting until 67 or 70 makes a big difference — especially when paired with a guaranteed income bridge from an annuity. We run the numbers for your specific situation.
Why St. Petersburg 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 — St. Petersburg Insurance & Retirement
Real questions from clients in St. Petersburg and surrounding areas. Call us at (727) 542-7659 if you don't see your question here.
Where is Advanced Capital Management's St. Petersburg office?
What annuity rates are available in St. Petersburg in 2026?
Can you help St. Petersburg federal employees with TSP and FERS?
How much does a St. Petersburg consultation cost?
How does Florida's no-state-tax benefit St. Petersburg retirees?
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 St. Petersburg residents.
⏱ Same-week availability · 100% free · No pressure, no obligation
Also Serving Nearby St. Petersburg 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 St. Petersburg or any of these nearby areas, we're here to help.
Helpful Resources for St. Petersburg Retirees
Book Your Free 20-Minute Benefits Review
No obligation, no pressure. Just honest answers from a team that's been helping St. Petersburg and Pinellas County families since 1986.
⏱ Same-week availability · 100% free · No pressure, no obligation