Welcome to Tortuga Financial. I’m Mike Maynes CFP®, the founder of our financial planning firm based in sunny Boca Raton, FL. We represent the new wave of relationship-based financial professionals, who offer fee-worthy fiduciary level advice. We often say we have the hearts of a therapist, paired with the minds of a capitalist and we love helping people with oodles and oodles of money. My team & I provide financial planning for a select group of high net worth and ultra-high net worth individuals and households. These clients aspire to grow and preserve their wealth, enjoy recreational endeavors, and leave a financial legacy to their families. Since 1999, my team and I developed and refined a panoramic process that helps our clients put all the wealth management puzzle pieces together. We call it the Checklist Formula®. Our mission is to provide Advice Beyond Return® and helping high net worth clients make informed financial decisions is why we exist! It provides our clients with clarity, and we enjoy a bevy of professional gratitude!
WHO WE SERVE
Real people with real questions.
People come to Tortuga Financial when it’s time to get serious about
getting their financial house in order.
ADVICE BEYOND RETURN®
Our panoramic financial planning process puts all the pieces of the work-optional lifestyle and wealth management puzzle together. We call it the Checklist Formula®. Our team has developed and refined this process over the last 25 years to make sure nothing in your financial life slips through the cracks.
While our clientele is comprised heavily of corporate executives, attorneys, healthcare, and aviation professionals, our expertise is best suited for high net worth and ultra-high net worth goal-oriented professionals who may know how to close an M&A, perform open-heart surgery, fly an Boeing 777, but is less skilled when it comes to managing their financial situation and planning for their financial future.
Our clients share our core values of confidentiality, privacy, trust, transparency, and attention to detail. Our clients are referred to us for our reputation for building lasting relationships and long-term excellence.
We are based in the sea turtle-friendly community of Boca Raton, Florida and primarily serve Palm Beach, Broward, and Miami-Dade counties, as well as Monroe County down in the lovely Florida Keys. We are happy to Zoom across the nation to work with a select group of clients who best fit our process and prefer a team of professionals outside their backyard.
Call us at 561-955-6098 or email info@tortugafinancial.com to learn how to start our process.
Panoramic Financial Planning
Our approach looks at your big picture and focuses on your family, occupation, recreation, and of course your money.
Learn MoreInsurance & Risk Management
We focus on what kind of insurance your financial plan requires, and pursue the most cost-effective way to get it.
Wealth Management
Customized fee-based investment strategies designed to help you pursue a confident, work-optional lifestyle.
Helpful Content
Stop Wasting Money
One way to find money is to examine your current spending habits and eliminate money wasters.
Encore Careers: Push Your Boundaries
Ready for retirement? Find out why many are considering encore careers and push your boundaries into something more, here.
Estimating the Cost of College
This worksheet can help you estimate the costs of a four-year college program.
The Anatomy of an Index
The S&P 500 represents a large portion of the value of the U.S. equity market, it may be worth understanding.
Grantor Retained Annuity Trusts (GRATs)
Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.
Best-Performing Asset Classes
Bonds may outperform stocks one year only to have stocks rebound the next.
Healthcare Costs in Retirement
Without a solid approach, healthcare expenses may add up quickly and potentially alter your spending.
Social Security: Maximizing Benefits
There are other ways to maximize Social Security benefits, in addition to waiting to claim them.
Key Money Moments: 4 Times You Should Talk to a Pro
Life happens fast, and your finances can take a backseat if you’re not careful. Is it time to check in with a financial professional? This infographic will help you examine your own financial situation and decide if it’s time to step up your financial game.
View all articles 
What Is My Net Worth?
Get a snapshot of your overall financial picture by calculating your total net worth.
Assess Your Life Insurance Needs
Estimate how much life insurance coverage may be appropriate for your situation.
How Much Home Can I Afford?
Estimate how much home may fit within your budget based on income and expenses.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
Inflation & Retirement
See how inflation over time could affect the purchasing power of your retirement income.
View all calculators
Global and International Funds
Investors seeking world investments can choose between global and international funds. What's the difference?
The Long Run: Women and Retirement
For women, retirement strategy is a long race. It’s helpful to know the route.
An Arm and a Leg
A visit to the hospital can be painful, for both your body and your wallet. Don't let it be more painful than it has to be.
The Rule of 72
Do you know how long it may take for your investments to double in value? The Rule of 72 is a quick way to figure it out.
Jane Bond: Infiltrating the Market
Agent Jane Bond is on the case, cracking the code on bonds.
Should You Invest in Exchange Traded Funds?
There are thousands of ETFs available. Should you invest in them?