David Torres RICP®
 321-277-0577
 davidt@iwgadvisors.com

David Torres has been in the financial services industry for over 21 years. His primary goal is to give complete and unbiased education on topics related to wealth accumulation and retirement income planning. He is Life Insurance and Annuity licensed in Florida and Georgia and is an Investment Advisor Representative holding a FINRA Series 65 securities license, allowing him to offer investment advice. Holding this license codifies his belief that all aspects of a client relationship be solely in their best interest and acting in a fiduciary capacity is the highest honor that binds him to his clients. In addition, he is a licensed Loan Originator in the State of Florida and brings a unique perspective of incorporating housing wealth into a comprehensive retirement plan.

It is this broad set of licensing, education, and experience that allows him to offer impartial solutions that are based on the unique circumstances of a client’s situation. By analyzing the pros and cons of various investment-based and safety-first solutions within the framework of a Retirement Planning model, he can pivot to several recommended outcomes while maintaining his fiduciary duty to his clients.

David provides advice on a broad range of retirement topics including income needs and objectives, estate planning issues and housing decisions such as the use of Home Equity Conversion Mortgages. He also ensures his clients consider the issues pertaining to retirement income planning, Social Security planning, Long Term Care planning, and the effects of income taxation.

In achieving the Retirement Income Certified Professional® (RICP®) designation, David provides a touchstone for all his clients as it pertains to education, experience, and ethical requirements. From retirement portfolio management techniques and mitigation of plan risks to the proper use of annuities and life insurance, employer-sponsored benefits and determining the best Social Security claiming age, he provides a wealth of information for his clients.