Vero Beach Wealth Management is an established fiduciary retirement planning and wealth management practice located on the North Barrier Island / Indian River Shores corridor at 4733 Highway A1A, Suite 303, Vero Beach, Indian River County, Florida (ZIP 32963). Offering investment advisory services through SEC-registered Raymond James Financial Services Advisors, Inc. (Firm CRD #149018, SEC File #801-69815) and securities through Raymond James Financial Services, Inc. (Member FINRA/SIPC, Firm CRD #6694), the practice is led by Branch Manager and Senior Financial Advisor Joanne M. Sardella, CFP®, ChFC® (Individual CRD #1263230)—who brings more than 40 years of advisory experience—alongside Senior Financial Advisor Melvin Dean Ratcliff (CRD #1892310) and Financial Advisor Joseph Charles 'Joe' Falzone (CRD #4200902).

Positioned on Highway A1A just south of the Town of Indian River Shores, John's Island, and Sea Oaks, Vero Beach Wealth Management specializes in CFP® and Chartered Financial Consultant® (ChFC®) retirement income architecture, tax-sensitive multi-account withdrawal sequencing, multi-year Roth conversion modeling prior to age 73/75 Required Minimum Distributions (RMDs), Social Security spousal and widowhood benefit optimization, hybrid long-term care insurance planning, and Continuing Care Retirement Community (CCRC) liquidity analysis for Oak Harbor Club and Acts Indian River Estates.