Vero Beach, Florida Retirement Planning
Herndon Wealth Services
Retirement is personal. You’ve worked hard to save and invest your money and now it’s time to optimize and protect your savings to provide for your retirement and your loved ones thereafter.
Herndon Wealth Services is an independent financial services firm, specializing in helping individuals and families prepare for, plan, and live in retirement. Our approach focuses on tailored retirement planning strategies and insurance solutions to provide our clients with guaranteed lifetime income, asset protection, and achieve tax efficiencies in support of a holistic approach to their finances.
01
Start Smart
Get a Clear Understanding of Your Financial Life
First, we gain a thorough understanding of your current financial situation, goals, objectives, risk tolerance, and the key considerations that should be addressed in your retirement strategy.
Six Fundamental Financial Planning Considerations
Six key financial planning considerations can impact your financial goals now and in the future. The question is not if these will affect your finances, but to what degree. We evaluate your sentiment toward each consideration and quantify the potential effects on your assets over time. This allows us to build customized strategies to help you achieve your financial objectives for retirement.
Longevity
Outliving financial assets as the result of a longer life.
Inflation
Reduction in real purchasing power as the result of increasing cost of living.
Mortality
Loss of financial assets as the result of a partner’s or spouse’s death.
Liquidity
Limited access to assets to meet life’s unexpected financial needs.
Market
Unexpected reduction in the value of financial assets at the time of withdrawal.
Taxes
Decreasing income and assets and/or the impairment of legacy assets from increasing taxes.
02
Apply Discipline
A Retirement Strategy Designed for You
Next, we design a retirement strategy that actively works to help optimize your wealth and protect your finances, keeping your goals and objectives at the forefront of our planning process.
03
Communicate Progress
Our Commitment to You
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive
outreach, and accessibility to our team throughout our working relationship.
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Meet The Advisor
Biran Herndon
Strategic Tax & Retirement Planning Specialist
Biran Herndon is passionate about helping individuals and families achieve long-term financial confidence through comprehensive, holistic tax and retirement planning. With a client-first approach, Biran sees every financial plan as a personal mission—treating his clients like family and celebrating their financial victories as his own.
Biran began his career as a tax advisor/preparer at one of the largest income tax preparation firms in the country, where he quickly rose through the ranks to become one of their youngest office managers, leading a Premium tax office. Over the course of 12 years, he gained hands-on experience working with a wide range of clients and complex tax scenarios.
Seeking to deepen his expertise, Biran joined a top financial firm in Orlando as an Advanced Tax and Estate Planning Director. There, he guided high-net-worth individuals, real estate investors, and business owners in legally minimizing their tax liabilities and safeguarding their wealth.
However, Biran recognized a gap in the industry: tax reduction alone wasn’t enough. True financial security requires an integrated approach. He decided to launch his own boutique tax advisory and holistic retirement planning practice, driven by one goal—to help clients build lasting wealth and financial peace of mind while minimizing their tax burden.
A graduate of ITT Tech, Biran lives in Melbourne, Florida with his wife Michele. In his free time, he enjoys reading and traveling. He is a Certified Tax Master and an active member of the Tax Master Network.
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Retirement Resources
Complimentary Educational Resources
Lastly and continually, we work to ensure transparency of your income plan by providing visibility, proactive outreach, and accessibility to our team throughout our working relationship.
Our Upcoming Events
Events in June 2025
- There are no events scheduled during these dates.
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Financial Calculators
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