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
Bridging the Confidence Gap
In the world of finance, the effects of the "confidence gap" can be especially apparent.
Choosing a Mortgage
Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.
4 Elements of an Estate Strategy
Learn about the importance of having an estate strategy in this helpful and informative video.
Universal Life Insurance
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Pay Yourself First
It sounds simple, but paying yourself first can really pay off.
Catch-Up Contributions
Workers 50+ may make contributions to their qualified retirement plans above the limits imposed on younger workers.
Saving Early & Letting Time Work For You
The earlier you start pursuing financial goals, the better your outcome may be.
How Retirement Spending Changes With Time
It can be difficult for clients to imagine how much they’ll spend in retirement. This short, insightful article is useful.
8 Financial Milestone Birthdays
Get ready to celebrate your financial birthdays in this informative infographic.
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The Power of 401k Catch-Ups
See how catch-up contributions after age 50 could significantly boost your retirement balance.
How Long Will Your Money Last?
See how long a lump sum of savings could last based on your withdrawal rate and return.
Assess Your Life Insurance Needs
Estimate how much life insurance coverage may be appropriate for your situation.
Simple 401k
See how increasing your 401(k) contributions today could affect your balance at retirement.
Estimate Your RMD
Calculate your required minimum distribution amount based on your account balance and age.
How Compound Interest Works
Explore how compound interest can grow your money over time with this interactive tool.
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When Special Care Is Needed: The Special Needs Trust
A special needs trust helps care for a special needs child when you’re gone.
Are Alternative Investments Right for You?
With alternative investments, it’s critical to sort through the complexity.
The Fed and How It Got That Way
Here is a quick history of the Federal Reserve and an overview of what it does.
The Cycle of Investing
Understanding the cycle of investing may help you avoid easy pitfalls.
How Cash Apps Work
Peer-to-peer payment apps are one of the newest ways to send money.
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?