What We Offer

Our Estate Planning Services

Tailored strategies for Southwest Florida families building lasting legacies.

Service 01

Annuities & Medicaid Spend-Down Planning

When families face the prospect of long-term care, the threat of depleting their life savings becomes very real. Medicaid spend-down requirements can force families to exhaust their assets before qualifying for benefits.

FLITE Advisors uses strategic annuity solutions to help protect your assets while structuring Medicaid eligibility. Our approach ensures families don’t have to choose between quality care and preserving their legacy for future generations.

Service 02

Long-Term Care Insurance

The cost of long-term care in Southwest Florida continues to rise, with nursing home care averaging over $100,000 per year. Without proper planning, these costs can devastate even substantial estates.

FLITE helps families evaluate and secure appropriate long-term care insurance coverage that protects both the individual and the estate. We analyze your specific situation to recommend solutions that balance premium costs with comprehensive protection.

Service 03

IRAs, Roth IRAs & 401(k) Planning

Qualified retirement accounts represent a significant portion of most estates, yet they carry complex tax implications that can erode wealth if not managed properly across generations. Our team develops tax-efficient strategies for your qualified accounts, including Roth conversion planning, required minimum distribution optimization, and proper beneficiary designation that integrates seamlessly with your broader estate plan.
Service 04

Estate & Tax Planning Strategy

A comprehensive estate plan goes far beyond a simple will. It requires careful coordination of trusts, powers of attorney, healthcare directives, and tax minimization strategies to truly protect your family.

FLITE’s team of CPAs and estate attorneys work together to create a unified plan that addresses every aspect of your estate — from asset protection and probate avoidance to generational wealth transfer and charitable giving strategies.

The FLITE Difference

Why a Fiduciary Approach Matters

FLITE Advisors operates with no commissions driving our recommendations and no products to sell. Our only motivation is your family’s outcome. Every strategy we recommend is chosen because it’s the right solution for you — not because it generates revenue for us. That’s a level of trust most advisory firms simply cannot offer.

Ready to Build Your Strategy?

Schedule a free strategy session with our team. No cost, no obligation — just clarity about your family’s financial future.