Protect Your Retirement. Plan with Confidence.
Retirement planning for individuals and families throughout Northeast Florida and Coastal Georgia.
For more than 29 years, Summerlin Benefits Consulting has helped individuals and families protect their retirement savings, create reliable income strategies, and navigate retirement with greater confidence and peace of mind.
Led by Founder and Chief Advisor Stacy Summerlin, our team is committed to helping clients make informed retirement decisions with greater confidence and peace of mind.
What Does a Retirement Planner Do?
A retirement planner helps individuals and families create a strategy for turning their savings into retirement income while addressing important factors such as market uncertainty, taxes, healthcare costs, Social Security decisions, and long-term financial security.
At Summerlin Benefits Consulting, we help pre-retirees and retirees understand their options, evaluate important decisions, and create personalized retirement strategies designed around their goals, timeline, and comfort level.
The goal is simple: helping you retire with greater clarity, confidence, and peace of mind.
Are You Asking Yourself These Questions?
- Am I financially ready to retire?
- Will my retirement savings last?
- How can I protect my money from market downturns?
- When should I start taking Social Security?
- How will Medicare fit into my retirement plan?
- What mistakes should I avoid before retiring?
If you have asked yourself any of these questions, you're not alone.
Retirement Planning Designed Around What Matters Most
Reliable Retirement Income
Develop a personalized strategy designed to help turn your retirement savings into reliable income when you need it.
Our goal is to help you create a plan that supports your lifestyle while providing greater confidence about the future.
Protect What You Have Built
As retirement approaches, protecting your savings often becomes just as important as growing them.
We help you explore strategies designed to reduce unnecessary risk and provide greater stability during market fluctuations.
Make Informed Decisions
Retirement comes with important choices about Social Security, Medicare, taxes, and income planning.
We help simplify the process so you can understand your options and make decisions with confidence.
Retire With Confidence
A clear retirement plan can help replace uncertainty with peace of mind and a greater sense of security.
By understanding where you stand and having a strategy in place, you can move forward with greater clarity.
Meet the Leadership Team
As co-owners of Summerlin Benefits Consulting, Stacy and Keith Summerlin share a commitment to helping families protect what they've worked hard to build. Their approach is simple: educate first, listen carefully, and provide guidance designed around each client's unique goals and concerns.
Meet Stacy Summerlin
29+ Years of Experience | Licensed in Florida & Georgia | Founder & Chief Advisor
For more than 29 years, Stacy Summerlin has helped individuals and families navigate retirement with greater clarity, confidence, and peace of mind. As Founder and Chief Advisor of Summerlin Benefits Consulting, she specializes in helping pre-retirees and retirees protect what they've worked hard to build through personalized, safety-focused retirement planning.
Licensed in both Florida and Georgia, Stacy is recognized among the top professionals in her field and serves as a mentor to advisors nationwide.
Her approach is simple:
- Educate first
- Listen carefully
- Help clients make informed decisions that support their long-term goals
Whether you're preparing to retire or already enjoying retirement, Stacy is committed to helping you understand your options and move forward with confidence.
Meet Keith Summerlin
Co-Owner | Licensed Insurance Agent in Florida & Georgia | U.S. Air Force Veteran
Keith Summerlin helps individuals and families protect what matters most through life insurance strategies, tax-efficient planning, and legacy-focused education. As Co-Owner of Summerlin Benefits Consulting, he is committed to helping clients make informed decisions that support their long-term financial goals and the future of their families.
Licensed in both Florida and Georgia, Keith brings a disciplined, service-oriented approach to every client relationship, shaped by his years of service in the U.S. Air Force.
His approach is simple:
- Educate first
- Communicate clearly
- Help clients make informed decisions that align with their goals and values
Whether you're planning for retirement, protecting your loved ones, or thinking about the legacy you want to leave behind, Keith is committed to helping you move forward with confidence.
Why Families Choose Summerlin Benefits Consulting
Education Before Decisions
We believe understanding your options is the foundation of good retirement planning. That's why we take time to explain concepts clearly, answer questions, and help you make informed decisions with confidence.
Safety-First Planning
As retirement approaches, protecting what you've worked hard to build often becomes just as important as growing it. Our approach focuses on helping you reduce unnecessary risk while planning for the future.
Personalized Guidance
No two retirements are alike. We take the time to understand your goals, concerns, and priorities so we can develop strategies tailored to your unique situation and provide ongoing support along the way.
Retirement Questions We Hear Every Day
If you're approaching retirement, you're probably asking many of the same questions we hear from clients every day.
Here are a few answers to help you get started.
How do I know if I'm financially ready to retire?
Retirement readiness involves more than reaching a certain age or savings goal. It means understanding whether your savings, Social Security benefits, and other income sources can support the lifestyle you want throughout retirement.
It's also important to consider factors such as healthcare expenses, inflation, taxes, and how long your retirement savings may need to last. A retirement plan can help you evaluate your income needs, expenses, and long-term goals so you can move forward with greater clarity and confidence.
Will my retirement savings last?
One of the biggest concerns for many retirees is making sure their savings last throughout retirement. Factors such as spending habits, market performance, inflation, healthcare costs, and life expectancy can all impact how long your assets may last.
While no one can predict the future, a personalized retirement income strategy can help you better understand your options and prepare for the years ahead. The goal is to create a plan that supports your lifestyle while helping you feel more confident about your financial future.
How can I protect my retirement savings from market downturns?
As retirement approaches, many people become more concerned about protecting what they've worked hard to build. While every situation is different, there are strategies that may help reduce exposure to market volatility and provide greater stability.
The right approach depends on your goals, retirement timeline, income needs, and comfort level with risk. Understanding your options can help you make informed decisions about how much risk you're willing to take while preparing for retirement.
When should I start taking Social Security?
The best time to claim Social Security depends on your personal circumstances. Factors such as your age, health, marital status, retirement income needs, and other assets can all influence the decision.
Because Social Security can be an important part of your overall retirement income strategy, it's helpful to understand how different claiming options may affect your long-term financial picture before making a decision.
How does Medicare fit into my retirement plan?
Healthcare expenses can be a significant part of retirement planning. Medicare helps cover many healthcare costs, but it doesn't cover everything, which is why it's important to understand your coverage options and potential out-of-pocket expenses.
Planning for healthcare costs as part of your overall retirement strategy can help reduce surprises and provide greater peace of mind. Understanding how Medicare works alongside your retirement income plan can help you prepare more confidently for the future.
Why should I work with a retirement planner?
Retirement often involves important decisions about income, taxes, Social Security, Medicare, investments, and protecting your savings. A retirement planner can help you understand your options, evaluate potential strategies, and create a personalized plan designed around your goals and priorities.
Rather than trying to navigate complex decisions on your own, working with a retirement professional can provide education, guidance, and a clearer path forward. The goal is to help you make informed decisions and retire with greater confidence and peace of mind.
Can I retire if the market is down?
Many people worry that retiring during a market downturn could negatively impact their long-term financial security. While market conditions are important, retirement decisions should be based on your overall financial picture, income needs, and retirement strategy.
Having a plan in place that addresses income, expenses, and risk management can help you navigate market uncertainty and make retirement decisions with greater confidence.
Hear From Families We Serve
Choosing a retirement advisor is an important decision. Hear directly from clients about their experience working with Summerlin Benefits Consulting and how personalized guidance helped them plan for retirement with greater confidence.
SBC looks out for their clients... you and your money. They treat you like a member of the family. My husband and I have been clients for years and have nothing but good things to say.
~ Judy O.
Wish I knew about Summerlin Benefits sooner. They opened my eyes to a whole new world. Love them and will not hesitate to tell my friends.
~ Atim I.
I’m beyond satisfied with Summerlin Benefits Consulting. The relationship feels personal, which is something I never had with my previous planner. They truly treat you like a person, not a number, and tailor everything to your needs. I also love how accessible they are! No long waits or random associates, just a small team, with a proven track record, that aims to know you and your needs!
~ Tiara P.
What to Expect When Working With Us
Educational Seminar
Many clients begin by attending one of our complimentary educational seminars. These events are designed to help you better understand retirement planning concepts, learn about available strategies, and determine whether a conversation with our team makes sense for your situation.
Personal Retirement Review
Next, you'll meet one-on-one with an advisor to discuss your goals, concerns, and retirement priorities. Together, we'll review your current situation, answer your questions, and determine whether we can help you move forward with greater confidence.
Strategy & Implementation
If we determine that a retirement strategy is appropriate for your needs, we'll walk you through your options and assist with the necessary paperwork and account setup. Our team will guide you through each step of the process and help coordinate any required transfers.
Plan Delivery & Review
Once everything is in place, we'll meet with you to review your strategy, explain important details, and ensure you understand how everything works. You'll leave with the information and resources you need to feel comfortable moving forward.
Ongoing Support
Retirement planning doesn't stop once a strategy is implemented. We provide annual reviews, answer questions as life changes, and continue to serve as a resource throughout your retirement journey.
Serving Northeast Florida and Coastal Georgia
Summerlin Benefits Consulting proudly serves individuals and families throughout Northeast Florida and Coastal Georgia, including Jacksonville, Fernandina Beach, Amelia Island, Yulee, Orange Park, St. Simons Island, Brunswick, and St. Marys.
Whether you're approaching retirement or already retired, our team provides personalized retirement planning guidance focused on protecting what you've worked hard to build. We help clients understand their options, create retirement income strategies, and navigate important decisions with greater clarity and confidence.
Clients can meet with us at our main office in Yulee, as well as by appointment at our satellite offices in Jacksonville, Orange Park, and St. Simons Island.
Ready to Talk About Your Retirement?
Whether you're planning to retire in the next few years or already enjoying retirement, we're here to help you understand your options and move forward with confidence.
