A Financial Advisor for Davenport — and the Retirement You Moved Here For

Whether you relocated from up north, split your time between two states, or just planted roots in one of Davenport's 55+ communities, you deserve a financial plan built around the life you're actually living — not a generic template. We've been serving Polk County families from our Winter Haven office since 1991, and we understand the mix of people who call Davenport home today.

Davenport Is Growing Fast — and So Are Its Planning Needs

The communities stretching along the US-27 corridor — ChampionsGate, Posner Park, Loughman, and the neighborhoods just south of Davenport's city center — have become one of Central Florida's fastest-growing destinations for retirees. New permanent residents are arriving from Ohio, Michigan, New York, and beyond, bringing 401(k)s, pension decisions, and decades of savings that need to work differently now that a paycheck is no longer coming in.

 

That shift from saving to spending is the most consequential transition in a financial life, and it requires a different kind of planning than what most people experienced during their working years. We work specifically with pre-retirees and retirees navigating that transition — and the Davenport market is one we know well.

Planning That Fits the Way Davenport Retirees Actually Live

Not everyone in Davenport fits the same profile, and we don't treat them as if they do. Three distinct groups make up a large share of the retirement community here, and each one comes in with different priorities.

 

  • New permanent residents who relocated for Florida's tax climate and lower cost of living need help establishing a Florida-based financial plan — often consolidating accounts, updating beneficiary designations, and building a sustainable income strategy from scratch in a new state.
  • Snowbirds and part-year residents who split time between Florida and a northern state often have overlapping advisors, fragmented accounts, and Medicare coverage that doesn't follow them cleanly. We help consolidate that picture and make Florida the primary planning base.
  • Vacation-home owners transitioning to full-time residency — many of whom bought near Disney for the grandchildren and stayed — need to convert a lifestyle asset into a long-term financial plan, including income planning, estate considerations, and insurance coverage that fits full-time Florida living.

 

Whatever brought you to Davenport, the planning conversation starts with where you are right now.

Live the Retirement You Moved Here For

A lot of Davenport retirees will tell you that proximity to Disney, the warm winters, and the grandchildren visits were part of the draw. That's a real and legitimate reason to be here — and it should be part of your financial plan, not something you feel guilty about spending money on.

 

Our planning process builds a guaranteed monthly income floor before we touch discretionary spending. That means theme park trips, family visits, and the lifestyle costs that make retirement worthwhile come out of a clear, sustainable budget — not a vague hope that the market cooperates. When income is predictable, retirement stops feeling like a financial guessing game and starts feeling like the reward it's supposed to be.

The Services Davenport Families Rely On

We offer a full range of retirement and financial planning services from our Winter Haven office, available in person or remotely for Davenport residents who prefer to meet by phone or video.

 

  • Retirement Planning — income strategy, Social Security timing, and withdrawal sequencing built around your specific numbers and goals
  • Wealth Management — active portfolio management based on economic fundamentals, not static allocations that ignore what markets are doing
  • Insurance Planning — fixed index annuities, life insurance, and hybrid long-term care strategies designed to protect income without relying on standalone LTC policies that can lapse
  • Estate Planning — beneficiary coordination, titling, and legacy planning to make sure your assets transfer the way you intend

Why Davenport Families Choose Thomas Advisory Services

New to the area and unsure who to trust with your money is one of the most common things we hear from Davenport clients. That concern is reasonable — and it's one we take seriously. Here's what we bring to the relationship.

 

  • 30+ years in financial services, practicing since 1991 — originally with The Prudential, now independent
  • Client assets held at Charles Schwab, an independent custodian with no affiliation to our practice
  • Author of Wealth Beyond Work, a published guide to building retirement income that lasts
  • Hybrid long-term care strategies tied to annuities or life insurance — not standalone policies that can disappear if premiums become unaffordable
  • 24/7 availability for senior clients with urgent financial or insurance questions
  • Remote consultations available for clients anywhere in Florida who prefer not to drive to the office

Questions Davenport Residents Ask Us

  • I just moved to Davenport from out of state. Do I need to find a Florida-based financial advisor?
    You don't have to, but there are real advantages to working with an advisor who understands Florida's tax environment, Medicaid rules, and Medicare landscape. If you're establishing Florida as your permanent residence, it makes sense to have your primary financial planning relationship here too. We work with new Florida residents regularly and can help you update your plan to reflect your new home state.
  • I'm a snowbird who splits time between Florida and another state. How does that work with a single advisor?
    It works well when your advisor is set up for it. We work with snowbird clients remotely by phone and video, so your location at any given time doesn't interrupt the planning relationship. We can also help you coordinate Medicare coverage, residency documentation, and account titling so your financial life isn't split in two just because your calendar is.
  • What is a financial advisor in Davenport, FL able to help me with that a general advisor can't?
    A retirement planner who works specifically with pre-retirees and retirees — as we do — brings a different focus than a generalist advisor. We concentrate on income planning, Social Security strategy, Medicare decisions, and insurance structures that protect retirement assets. That specialization matters more in retirement than at any other stage of your financial life.
  • What's a fixed index annuity, and is it right for someone in Davenport's 55+ communities?
    A fixed index annuity is an insurance contract that credits interest tied to a market index — like the S&P 500 — while protecting your principal from market losses. For retirees who want growth potential without the risk of watching their savings drop in a bad year, it can be a useful part of an income strategy. Whether it fits your situation depends on your timeline, income needs, and what else you have in your plan. We're happy to walk through it without any obligation.
  • How far is your office from Davenport, and do I have to come in person?
    Our Winter Haven office is approximately 25–30 minutes from most Davenport neighborhoods. That said, many of our Davenport clients prefer to meet by phone or video — and we're fully set up for that. You'll get the same planning conversation either way.

Serving Davenport from Right Here in Polk County

Thomas Advisory Services is an independent retirement planning practice based in Winter Haven, Florida — about 25 minutes from ChampionsGate and the Davenport communities along US-27. Allen Thomas has been serving Central Florida families since 1991, with a planning approach built around income security, tax efficiency, and the kind of retirement that actually matches the life you planned for.

 

Client assets are held at Charles Schwab, and our practice operates independently — no quotas, no proprietary products, no pressure. If you're ready to talk through your retirement picture, we'd be glad to start that conversation.