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. This begins with a relationship rooted in trust. Our priority is to offer advice in our client’s best interest in hopes that they can achieve financial independence. 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 short and long-term goals, and to stay on track. Whether you are accumulating wealth or have significant assets to manage, please email us at info@tortugafinancial.com to see if your needs are aligned with our expertise and process. We look forward to meeting you! At Tortuga Financial, 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®.
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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 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.
Rebalancing Your Portfolio
Over time, different investments' performances can shift a portfolio’s intent and risk profile. Rebalancing may be critical.
TIPS for Inflation
If you are concerned about inflation and expect short-term interest rates may increase, TIPS could be worth considering.
Four Steps to Valuing an Estate
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
To Catch a Thief
Having your identity stolen may result in financial loss plus the cost of trying to restore your good name.
Conquering Retirement Challenges for Women
Looking ahead can help you conquer these unique obstacles.
Tax Efficiency in Retirement
What role would taxes play in your investment decisions?
A Bucket Plan to Go with Your Bucket List
Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.
Reviewing Your Life Insurance Needs
Learn how the review process works and how it may help you better understand your Life Insurance.
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My Retirement Savings
Estimate how long your retirement savings may last using various monthly cash flow rates.
Should I Pay Off Debt or Invest?
This calculator will help determine whether you should invest funds or pay down debt.
How Much Home Can I Afford?
With a few simple inputs you can estimate how much of a mortgage you may be able to obtain.
Roth 401(k) vs. Traditional 401(k)
This calculator compares employee contributions to a Roth 401(k) and a traditional 401(k).
Paying Off a Credit Card
Enter various payment options and determine how long it may take to pay off a credit card.
Taxable vs. Tax-Deferred Savings
Use this calculator to compare the future value of investments with different tax consequences.
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Tuning Your Social Security Benefit
When should you take your Social Security benefit?
The Real Cost of a Vacation Home
What if instead of buying that vacation home, you invested the money?
Extended Care: A Patchwork of Possibilities
What is your plan for health care during retirement?
Global and International Funds
Investors seeking world investments can choose between global and international funds. What's the difference?
Stay Safe with a B.O.P. At Your Back
Learn about the advantages of Business Owner Policies with this highly educational and fun animated video.
Retiring the 4% Rule
A portfolio created with your long-term objectives in mind is crucial as you pursue your dream retirement.