The Rettig Group — Retirement Wealth Advisors (a private wealth advisory practice of SEC-registered fiduciary Investment Adviser Ameriprise Financial Services, LLC, CRD #6363, SEC File #801-28543) operates an established Hernando County retirement planning, long-term care strategy, and estate preservation office at 5089 Commercial Way (U.S. Highway 19) in Spring Hill, Florida (ZIP 34606, just south of Berkeley Manor Boulevard and the Weeki Wachee / SR-50 intersection). Led by Private Wealth Advisor and CEO Joseph Robert ("Joe") Rettig, CFP®, CRPC™, CLTC® (Individual CRD #1090721, advising Florida retirees for over 40 years), Private Wealth Advisor Joseph Kyle Rettig, MS, CFP®, APMA®, CRPC™, AWMA®, MPAS™ (Individual CRD #5805652, holding a Master of Science in Personal Financial Planning), and resident Spring Hill Financial Advisor Hope Lynn Duryea (Individual CRD #2900777), the practice serves older adults across Timber Pines, GlenLakes, Weeki Wachee, High Point, Brookridge, and Spring Hill.
Combining Certified Financial Planner™ (CFP®), Chartered Retirement Planning Counselor™ (CRPC™), Accredited Portfolio Management Advisor™ (APMA®), and Master Planner Advanced Studies™ (MPAS™) credentials, The Rettig Group specializes in turning complex retirement nest eggs into predictable, tax-advantaged monthly income streams. The Spring Hill team regularly counsels retiring educators, deputies, and water-management specialists from the Hernando County School District, Hernando County Sheriff's Office, and the Southwest Florida Water Management District (SWFWMD — Brooksville) on Florida Retirement System (FRS) Pension survivorship options, Investment Plan allocations, and Deferred Retirement Option Program (DROP) lump-sum rollovers, as well as private-sector 401(k)/403(b) consolidations.
Crucially for Nature Coast seniors, CEO Joe Rettig holds the Certified in Long-Term Care® (CLTC®) designation, enabling the practice to model dedicated healthcare and long-term care funding strategies for assisted living and memory care communities along Commercial Way (US-19), Cortez Boulevard (SR-50), and Mariner Boulevard near HCA Florida Oak Hill Hospital (11375 Cortez Blvd). Advisors coordinate SECURE 2.0 Act Required Minimum Distributions (RMDs), Roth conversions, and Qualified Charitable Distributions (QCDs) to avoid two-year lookback Medicare Part B and Part D IRMAA surcharges alongside Elder Options (PSA 3) SHINE Medicare counseling (1-800-262-2243), while helping homeowners align household Adjusted Gross Income with Hernando County Property Appraiser (John C. Emerson, CFA — 7525 Forest Oaks Blvd, Spring Hill) rules for the $50,000 Homestead Exemption, Save Our Homes portability, and the Age 65+ Additional $50,000 Senior Homestead Exemption.
Official Verification Sources: SEC Investment Adviser Public Disclosure — Ameriprise Financial Services, LLC (CRD #6363); SEC IAPD Individual Profile — Joseph Robert Rettig, CFP®, CRPC™, CLTC® (CRD #1090721); SEC IAPD Individual Profile — Hope Lynn Duryea (CRD #2900777); The Rettig Group — Ameriprise Financial Spring Hill Official Website
Issuer: Securities and Exchange Commission (SEC) / FINRA
Notes: SEC File #801-28543; fiduciary investment advisory services offered through Ameriprise Financial Services, LLC (CRD #6363) dba The Rettig Group at 5089 Commercial Way, Spring Hill, FL 34606.
Issuer: CFP Board / College for Financial Planning / CLTC Board / SEC
Notes: Anchored by Private Wealth Advisor & CEO Joseph Robert ('Joe') Rettig, CFP®, CRPC™, CLTC® (CRD #1090721), Private Wealth Advisor Joseph Kyle Rettig, MS, CFP®, APMA®, CRPC™, AWMA®, MPAS™ (CRD #5805652), and Spring Hill Financial Advisor Hope Lynn Duryea (CRD #2900777).
Factual details and direct answers about The Rettig Group — Ameriprise Financial Services, LLC (Spring Hill Office)'s services, licensing, and credentials.
What advanced retirement and long-term care credentials does The Rettig Group bring to Spring Hill seniors?
The Rettig Group at 5089 Commercial Way, Spring Hill, FL 34606 combines the credentials of CEO Joseph R. Rettig, CFP®, CRPC™, CLTC® (CRD #1090721)—who holds the Certified Financial Planner™, Chartered Retirement Planning Counselor™, and Certified in Long-Term Care® designations—with Private Wealth Advisor Kyle Rettig, MS, CFP®, APMA®, CRPC™, AWMA®, MPAS™ (CRD #5805652) and local Spring Hill Financial Advisor Hope L. Duryea (CRD #2900777), operating under SEC-registered fiduciary Ameriprise Financial Services, LLC (CRD #6363, SEC File #801-28543).
How does a Certified in Long-Term Care® (CLTC®) advisor help Hernando County families plan for assisted living or memory care?
Extended care at an assisted living or memory care residence in Spring Hill or Brooksville can rapidly deplete a couple's retirement portfolio if not modeled in advance. Using CLTC® planning methodology, The Rettig Group evaluates traditional long-term care insurance, hybrid life/LTC asset-based policies, tax-free 1035 annuity exchanges under the Pension Protection Act, and dedicated healthcare liquidity buckets—protecting the healthy spouse's income and coordinating with local elder law counsel.
Where is The Rettig Group's Spring Hill office located, and is it inside Hernando County?
Yes. The office is located at 5089 Commercial Way (U.S. Highway 19), Spring Hill, Florida 34606, strictly inside Hernando County just north of Timber Pines and minutes south of Weeki Wachee and State Road 50 (Cortez Boulevard). The team serves retirees across Timber Pines, GlenLakes, High Point, Brookridge, Clover Leaf Farms, and Wellington at Seven Hills, including coordinating tax strategies for Hernando County Homestead and Age 65+ Senior Exemptions.
Connect with complementary legal, financial, and residential providers serving seniors in Spring Hill and Hernando County.
Hengesbach & Hengesbach, P.A.
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Disclaimer: This directory listing is for informational purposes only. Florida Senior Support does not endorse or guarantee the quality of services. Please verify information and services directly with the organization.