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Retirement Income Planning
Building reliable income from your portfolio, Social Security, and — where they earn their place — annuities. The goal is income that lasts at least as long as you do.
Learn moreEberst Wealth Management · Boca Raton, Florida
Retirement income,
designed to last.
For more than thirty years, Bruce Eberst has helped families in South Florida plan retirements that hold up — through real markets, real lives, and real years.
Firm
Eberst Wealth Management, Inc.
Office
7100 West Camino Real, Suite 302-21Boca Raton, FL 33433
Hours
Monday – Friday, 9 a.m. – 5 p.m. ET
The long game
Most of what's important in retirement planning happens quietly.
Disciplined savings. Sensible allocation. Income strategies that don't depend on guessing the market. Insurance where it actually fits. And a relationship steady enough to outlast the noise.
Three decades of practice.
What we do
Three pillars of an integrated practice.
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Investment Management
Portfolios designed for long horizons, built around discipline and cost-awareness. Reviewed, rebalanced, and tax-aware year over year.
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Life Insurance & Legacy
Protection where it actually fits the plan — not as a product to sell, but as a tool to use. Beneficiary review, estate coordination, family-business considerations.
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30
Years of experience
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16
Years with LPL Financial
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100%
Independent ownership
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1
One advisor. One relationship.
From the journal
Letters and essays on long-horizon planning.
What thirty years has taught me about retirement income
A letter on what really matters when the paycheck stops.
ReadWhen an annuity earns its place
An honest look at where annuities fit in a retirement plan — and where they don't.
ReadThe cost of guessing
Why timing the market is expensive even when you're right.
Read
Common questions
Answers to questions we hear often.
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01 What does Eberst Wealth Management do?
Eberst Wealth Management is an independent wealth-management practice in Boca Raton, Florida, led by Bruce Eberst. We focus on three integrated areas: retirement income planning, investment management, and life insurance and legacy work. Bruce is a Wealth Management Advisor with LPL Financial, and the practice has been working with South Florida families for thirty years.
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02 Where is your office?
Our office is at 7100 West Camino Real, Suite 302-21, Boca Raton, FL 33433. Visits are by appointment. You can also reach us by email at robert.eberstjr@lpl.com or by phone at (561) 276-1544.
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03 Is there an account minimum?
There is no hard minimum. We work best with clients who want an integrated, long-term planning relationship — typically pre-retirees and retirees in South Florida with meaningful retirement assets. We are happy to have a short, no-obligation conversation to determine whether we are the right fit for your situation.
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04 How are fees structured?
Bruce is compensated through a combination of asset-based advisory fees on managed accounts (paid through LPL Financial), commissions on insurance products and certain securities products, and one-time planning fees for engagements that do not fit a managed-account structure. Specific fees are disclosed in advance and detailed in LPL Financial's Form ADV Part 2A and Customer Relationship Summary (Form CRS), both available on the LPL Financial website and our disclosures page.
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05 Do you work with clients outside Florida?
Bruce can discuss and transact business with residents of the states in which he is properly registered or licensed. If you are outside Florida, please mention your state when you reach out and Bruce will let you know directly whether he is able to help.
The quarterly letter
Letters that arrive four times a year.
Bruce's quarterly notes on markets, retirement income, and the long view — delivered to your inbox.
Reach Bruce directly