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
4 Elements of an Estate Strategy
Learn about the importance of having an estate strategy in this helpful and informative video.
Investment Challenges of the Affluent Investor
Affluent investors face unique challenges when putting together an investment strategy. Make sure you keep these in mind.
Gap Insurance for Leased Cars
If you’re thinking of leasing a new car, then you shouldn’t forget about gap insurance.
Retirement Plan Choices for Small Businesses
Retirement choices can feel intimidating. Choosing the right strategy can make all the difference.
Can I Create a Roth if I’m Over the Income Limit?
Use this article to start conversations about the “backdoor” Roth IRA strategy.
What to Expect in Your First Year of Retirement
A visual comparison showing how daily life, income, and routines often shift during the first year of retirement.
Retiring Earlier Than Expected? What To Know
Retiring earlier than expected can be disheartening. Learn steps that can help you smoothe the road ahead.
Financially Savvy at Six Figures
Help your clients with these practical steps to make the most of their six-figure income.
Qualifying For Medicare Under Age 65
You might qualify for Medicare if you’re under 65-years-old. This article will explain the conditions where you may qualify for Medicare early.
View all articles 
Comparing Investments
Compare two different scenarios side by side to see how they stack up over time.
Simple 401k
See how increasing your 401(k) contributions today could affect your balance at retirement.
My Retirement Savings
See how your current savings rate and contributions may grow into retirement income.
Inflation & Retirement
See how inflation over time could affect the purchasing power of your retirement income.
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
College Savings
See how much you may need to save now to cover future college costs for your child.
View all calculators
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.
Consider These 3 Things Before Driving Off the Lot
Here are 3 quick tips to keep in mind when buying or leasing your next vehicle.
A Bucket Plan to Go with Your Bucket List
A bucket plan can help you be better prepared for a comfortable retirement.
Surprises
Making the most of surprises is a great reason to work with us.
Behavioral Finance
An amusing and whimsical look at behavioral finance best practices for investors.
How to Bake a Pie-R-A
Roth IRAs are tax-advantaged differently from traditional IRAs. Do you know how?