Coquina Private Wealth Advisors (operating as an independent, SEC-registered fiduciary Investment Adviser under Coquina Private Wealth LLC, CRD #333615, SEC File #801-132012) is a premier Charlotte County private wealth management, retirement income engineering, and multi-generational estate strategy firm headquartered at 18501 Murdock Circle, Suite 201, in Port Charlotte, Florida (ZIP 33948). Situated directly across Murdock Circle from the Charlotte County Administration Center and the Charlotte County Property Appraiser's main headquarters (Paul L. Polk, CFA — 18500 Murdock Cir, Bldg B, Ste 108, Port Charlotte, FL 33948), the practice is led by Principal, Chief Executive Officer, and Private Wealth Manager Laura Louise Amendola, CFP® (Individual CRD #2499428) alongside Principal, Chief Financial Officer, and Private Wealth Manager Joseph 'Chip' Percival Williams Jr., CFP®, ChFC®, CLU® (Individual CRD #467975), Private Wealth Manager Walter Francis Mortimer (Individual CRD #1908992), and Chief Compliance Officer & Private Relationship Manager Leah Ronnell van Welie, AAMS™, FPQP™ (Individual CRD #2343899).

Combining Certified Financial Planner™ (CFP®), Chartered Financial Consultant® (ChFC®), Chartered Life Underwriter® (CLU®), and Accredited Asset Management Specialist™ (AAMS™) credentials under an independent fiduciary RIA structure, Coquina Private Wealth Advisors designs custom retirement paycheck portfolios for older adults across Port Charlotte, Murdock, Deep Creek, Punta Gorda Isles, Burnt Store Isles, West Port, and Rotonda West. Because of its immediate proximity to the Murdock Circle government complex, the team frequently counsels retiring educators, deputies, and civil servants from Charlotte County Public Schools, the Charlotte County Sheriff's Office, Charlotte County Government, and the City of Punta Gorda on evaluating Florida Retirement System (FRS) Pension Plan survivorship options versus Investment Plan elections and executing tax-deferred Deferred Retirement Option Program (DROP) lump-sum rollovers.

To protect Southwest Florida retirees from unnecessary federal tax erosion and healthcare premium surcharges, Laura Amendola, CFP® and Chip Williams, CFP®, ChFC®, CLU® engineer multi-year Roth conversion ladders, SECURE 2.0 Act Required Minimum Distribution (RMD) withdrawal sequences (ages 73–75), and Qualified Charitable Distributions (QCDs for clients aged 70½+) calibrated to keep Modified Adjusted Gross Income below punitive two-year lookback Medicare Part B and Part D IRMAA brackets—complementing free Area Agency on Aging for Southwest Florida (AAASWFL — PSA 8) SHINE Medicare counseling (1-866-413-5337). The firm also models dedicated healthcare and entrance-fee liquidity reserves for continuing care retirement communities (such as South Port Square CCRC in Port Charlotte) and assisted living facilities near HCA Florida Fawcett Hospital (21298 Olean Blvd), while helping homeowners align household AGI and residency documentation right across the street at 18500 Murdock Circle for Florida's $50,000 Homestead Exemption, 3% Save Our Homes portability, and the Age 65+ Additional $50,000 Senior Homestead Exemption.