Welcome to Tortuga Financial. I’m Mike Maynes CFP®, the founder of our financial planning firm based in sunny Boca Raton, FL. Our team believes that a relationship rooted in trust is essential. This begins with a personal approach to wealth management because every journey is unique. Our priority is to offer advice in our client’s best interest in hopes that they can achieve financial peace of mind. Decisions can be overwhelming when you’re considering investments, retirement, estate planning, and insurance. A comprehensive financial plan can bring clarity to your finances and help you develop a strategy so it’s easier to make financial decisions, set long and short-term goals, and to stay on track. Whether you are accumulating wealth or have significant assets to manage, we have the services and resources to fit your individual needs. We look forward to meeting you here, at Tortuga Financial, where we provide ADVICE BEYOND RETURN.®
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®
Work-Optional Lifestyle. Early Retirement. Financial Independence. Regardless of your financial goals, the Tortuga Financial team is committed to getting you there with a clear understanding of our process and a comfort level that allows you to move forward with confidence as we develop a financial plan best suited for you. As a result, we have developed and refined a process that checks all of the boxes for financial independence. We call it the Checklist Formula®.
While our clientele is comprised heavily of first responders, corporate executives, attorneys, healthcare, and aviation professionals, our services are ideal for any goal-oriented professional who may know how to provide emergency medical treatment, collar a perp, fly an Boeing 737, or perform an appendectomy, but is less skilled when it comes to planning for their financial future.
We welcome clients who share our core values of trust, transparency, and attention to detail. Our clients are referred to us for our reputation for building lasting relationship and long-term excellence.
We are based in the sea turtle-friendly community of Boca Raton, Florida and primarily serve South East Florida and the Florida Keys. We are happy to Zoom across the nation to work with a select group of clients who are best suited for our process.
Call us at 561-955-6098 to reserve your complimentary consultation.
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.
Mike Maynes, CFP®
Founder
Over the past 25 years, Mike has firmly established his place in the Boca Raton community, while founding his financial planning firm Tortuga Financial. Mike has developed and refined a process called The Checklist Formula®.
Learn More
Kimberly Summas
Client Service Manager
Kim has been a valuable Tortuga Financial team member for the last seven plus years. She is an animal lover, mother, and philanthropist. As your dedicated client service coordinator, she keeps our firm running smoothly every day.
Learn MoreHelpful Content
The Business Cycle
Understanding the economy's cycles can help put current business conditions in better perspective.
The Five Basics of Financial Literacy
How literate are you when it comes to your finances? Brush up with these five basics.
How to Conquer the World - 5 Financial Strategies for Savvy
Learn more about women taking control of their finances with this infographic.
Why Everyone Needs an Estate Strategy
Do you have an estate strategy? You should.
Debt Stress
There’s a link between debt and stress.
How to Conquer the World - 5 Financial Strategies for Savvy
Learn more about women taking control of their finances with this infographic.
Creative Ways to Motivate Your Employees
Five creative (and inexpensive) ideas for motivating your employees.
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.
Don’t Be Your Own Worst Enemy
Emotional biases can adversely impact financial decision making. Here’s a few to be mindful of.
View all articles 
Interested in a Fuel Efficient Car?
Estimate how many months it may take to recover the out-of-pocket costs when buying a more efficient vehicle.
Bi-Weekly Payments
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Inflation & Retirement
Estimate how much income may be needed at retirement to maintain your standard of living.
A Look at Systematic Withdrawals
This calculator may help you estimate how long funds may last given regular withdrawals.
Annuity Comparison
This calculator compares a hypothetical fixed annuity with an account where the interest is taxed each year.
Long-Term-Care Needs
Determine your potential long-term care needs and how long your current assets might last.
View all calculators
An Inside Look at Retirement Living
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
Investment Strategies for Retirement
Investment tools and strategies that can enable you to pursue your retirement goals.
Your Cash Flow Statement
A presentation about managing money: using it, saving it, and even getting credit.
Managing Your Lifestyle
Using smart management to get more of what you want and free up assets to invest.
5 Smart Investing Strategies
There are some smart strategies that may help you pursue your investment objectives
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
View all presentations
Retirement and Quality of Life
Asking the right questions about how you can save money for retirement without sacrificing your quality of life.
18 Years’ Worth of Days
The average retirement lasts for 18 years, with many lasting even longer. Will you fill your post-retirement days with purpose?
Perception vs. Reality
There’s an alarming difference between perception and reality for current and future retirees.
Choosing a Mortgage
Selecting a mortgage isn't an easy process. Get a better understanding of how professionals make the right decisions.
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: Scaling the Ladder
Agent Jane Bond is on the case, uncovering the mystery of bond laddering.