Insurance & Retirement Services in St. Petersburg
Since 1986, Advanced Capital Management has served as St. Petersburg's specialist insurance and retirement advisory firm — covering annuities, life insurance, and integrated retirement planning. The practice has grown from a single advisor into a trusted institution serving thousands of clients across Florida, Indiana, Texas, Tennessee, Ohio, Pennsylvania, Maryland, Michigan, Wisconsin, and Nevada.
ACM continually evaluates new carrier programs and contract structures to maintain the broadest available option set for each client plan. The firm's services are calibrated to a wide spectrum of client profiles — federal employees at the regional VA medical center, retired educators in Seminole, and small business owners across downtown St. Petersburg.
Annuities
Fixed index annuities, lifetime income annuities, equity index annuities, immediate annuities, and multi-year guaranteed annuities. ACM shops dozens of A-rated carriers to identify the highest guaranteed lifetime income payout for each client's age and deposit amount.
Services We Offer
- Retirement Income Strategy
- Equity Index Annuity
- 401(k) Rollover
- Highest Guaranteed Lifetime Income
- Annuity with Lifetime Income
- Retirement Investment
- Roth IRA
- Best 7 Year Guaranteed Annuity
- Retirement Income Planning
- 5 Year Guaranteed Annuity
- Immediate Annuity
Tax-Free Life Insurance
Index Universal Life (IUL) policies that accumulate tax-free cash value for retirement income, college funding, mortgage protection, and estate liquidity — combining a tax-free death benefit with living benefits in a single contract.
Services We Offer
- Tax-Free Retirement Income
- Market-Linked Growth
- Death Benefit Protection
- College Funding Strategy
- Mortgage Protection
- Estate Planning
Retirement Planning
FRC-certified federal benefits consulting, Social Security claiming optimization, Roth conversion modeling, 401(k) and TSP rollover strategy, and integrated retirement income planning for federal employees and civilian clients across ten licensed states.
Services We Offer
- Federal Benefits Consulting
- FRC Certified Analysis
- Retirement Income Planning
- Social Security Optimization
- Roth Conversions
- 401(k) Rollover Options
- TSP Withdrawal Strategies
- Multi-State Service
All Services
Why St. Petersburg Clients Choose ACM
- 35+ years of advisory experience based in Pinellas County
- FRC-certified Federal Benefit Consultant on staff
- Licensed in 11 states — FL, IN, TX, TN, OH, PA, MD, MI, WI, NV, ID
- 5.0-star Google rating with 28 verified client reviews
- Complimentary 20-minute consultation — no obligation
- Independent agency — contracts are shopped across dozens of A-rated carriers