Retirement Income Strategies in
ORANGE PARK, FLORIDA
Learn more about how these things impact you in Orange Park:
✔ Social Security
✔ Retirement Income
✔ Tax Strategies
✔ Local Guidance
Planning Retirement Income for Orange Park Families
If you're getting close to retirement in Orange Park and you're not sure whether a military pension, a Clay County career, or years of 401(k) contributions will actually add up to reliable income, you're not alone — it's the exact question we help Orange Park families work through every week. Summerlin Benefits Consulting has been guiding Northeast Florida retirees since 2012, and founder Stacy Summerlin brings more than 29 years of personal industry experience to every case we take on. We're licensed in Florida and Georgia, and while our main office is in Yulee, we also meet Orange Park clients by appointment at The Nest Coworking Space right here in town. Call 855-809-2894 to get started.
Who Do We Help in Orange Park?
Orange Park has one of the older, more established populations in Clay County, with a median age of 49.1 — noticeably higher than the county's overall median age of 40.4. Median household income in town runs around $77,000, and a large share of the retirees we meet here spent careers connected to Naval Air Station Jacksonville, either in uniform or as military spouses and civilian contractors, alongside long careers with the Clay County School District, HCA Florida Orange Park Hospital, and Fidelity National Information Services (FIS).
Because so many Orange Park retirees come from military or federal backgrounds, the questions we hear most often involve TSP and military pension rollovers, how a military pension interacts with Social Security timing, and how to convert a lump-sum severance or retirement payout into dependable monthly income. If you're 55 to 70, have $250,000 or more in retirement savings, and you're weighing a 401(k) rollover, a pension decision, or how an annuity compares to a CD or bond ladder, you're in exactly the position we work with most.
Why Orange Park Residents Choose Us
Once you understand how many Orange Park retirees come from military and public-service backgrounds, it makes sense that they gravitate toward an advisory team that takes discipline and follow-through seriously. We've served Clay County and the greater Jacksonville area since 2012, and we're proud members of the Nassau County Chamber of Commerce and have been BBB-accredited since 2021.
Stacy Summerlin founded the firm and brings more than 29 years of personal industry experience — you can read her full story on our About Us page. Keith Summerlin, our Executive Vice President, is a retired U.S. Air Force veteran, which resonates strongly with the many NAS Jacksonville families and military retirees we work with in Orange Park. A meaningful number of our Orange Park clients first connected with us through a colleague from Clay County Schools, a fellow veteran, or a co-worker at Orange Park Medical Center.
What Sets Us Apart:
- Founded in 2012, family-owned, serving Northeast Florida for over a decade
- Stacy Summerlin brings 29+ years of personal industry experience
- Keith Summerlin, Executive Vice President, is a retired U.S. Air Force veteran
- Licensed in both Florida and Georgia
- BBB-A+ accredited since 2021
- Local by-appointment office at The Nest Coworking Space in Orange Park
Educational retirement seminars help Jacksonville-area residents understand their options in a relaxed, no-pressure environment.
Florida Retirement Tax Advantages for Orange Park Residents
Military and public-service backgrounds bring their own set of tax questions, and Florida's tax code answers most of them favorably. Florida has no state income tax, so your Social Security benefits, military or civilian pension income, TSP and 401(k) withdrawals, and annuity payments are never taxed by the state — a real advantage for retirees who spent careers in states that do tax retirement income.
Orange Park homeowners also benefit from Florida's Homestead Exemption, worth up to $50,000 off assessed value, and the Save Our Homes cap, which limits increases in assessed value to 3% a year for homesteaded properties. Clay County's Board of County Commissioners millage rate has held steady at 8.601 mills since 2022, but is set to rise slightly to 8.801 mills in 2026 due to the voter-approved Land Conservation Referendum — worth factoring into any long-term budget. Florida also has no state estate tax or inheritance tax, which simplifies leaving assets to your family.
Orange Park Property Tax Tip
Because Clay County's millage rate is ticking up slightly in 2026 to fund the county's Land Conservation Referendum, Orange Park homeowners nearing retirement should factor a modest property tax increase into their long-term budget. The good news: Florida's Save Our Homes cap still limits how much your homesteaded property's assessed value — and therefore your tax bill — can climb each year, regardless of how fast home values rise.
Our Services for Orange Park Retirees
A tax-friendly state only helps if the income behind it is dependable, which is where our services come in. We keep our offering focused rather than trying to cover every financial product on the market.
Annuities can provide guaranteed retirement income that isn't tied to market performance — learn more about our retirement income protection strategies. Life insurance solutions help protect a spouse or family and can play a role in leaving a legacy. And our educational seminars, held at fine dining locations like Maggiano's Little Italy and Chophouse Thirteen with a complimentary gourmet meal, cover Social Security timing, required minimum distributions, and the Green Line Strategy — see our current seminar schedule for dates convenient to Orange Park.
How to Get Started
Getting started is straightforward. Call 855-809-2894 or use our online contact form to request an appointment or ask about an upcoming seminar. Many Orange Park clients begin with a free educational seminar — held at a local restaurant with a complimentary gourmet meal — before ever committing to anything. From there, we'll set up an in-person meeting, either at our Yulee office or at The Nest Coworking Space right in Orange Park, or a phone call if that works better for your schedule. We never meet online or by video — only in person or by phone.
Answers to Common Retirement Questions in Orange Park, FL
Where is Summerlin Benefits Consulting's office located relative to Orange Park?
Our main office is at 57 Homegrown Way, Unit 301 in Yulee, FL, about 42 miles and a 42-minute drive from Orange Park via I-295. For added convenience, we also meet Orange Park clients by appointment at The Nest Coworking Space, 630 Kingsley Ave., right in town — no long drive required.
Can you help me roll over a TSP or military pension from NAS Jacksonville?
Yes. We regularly help Orange Park-area retirees evaluate whether to roll a Thrift Savings Plan or military pension into an IRA or another income vehicle, and how that decision interacts with Social Security timing and any survivor benefit elections. We'll walk through your options in plain language before you make any changes.
Do you work with military spouses navigating retirement benefits?
Absolutely. Military spouses often face unique retirement timelines shaped by relocations, career gaps, and survivor benefit plan decisions tied to NAS Jacksonville service. We take the time to understand your specific situation — not just your spouse's pension — and build a plan that reflects both of your retirement goals.
How does a Clay County Schools career affect retirement planning in Orange Park?
Orange Park is home to many long-serving Clay County School District employees, and their retirement income often centers on the Florida Retirement System pension alongside personal savings. We help FRS retirees understand their payout options and how to layer that pension with Social Security and other savings for reliable income.
What are Orange Park property taxes like for retirees?
Clay County's county millage rate has held at 8.601 mills since 2022 and is set to rise slightly to 8.801 mills in 2026. Orange Park homeowners with a homestead exemption benefit from the Save Our Homes cap, which limits annual increases in assessed value to 3%, helping keep property tax growth predictable.
Does Florida tax retirement income for Orange Park residents?
No. Florida has no state income tax, so Social Security, pension income — including military and FRS pensions — IRA and 401(k) withdrawals, and annuity payments aren't taxed at the state level. That's a meaningful advantage for Orange Park retirees, especially those who spent careers in higher-tax states.
Is there any cost or obligation to meet with Summerlin Benefits Consulting?
No. Our initial consultation is complimentary with no obligation to purchase anything or become a client. Most people find it helpful to simply sit down, ask questions, and get a clear picture of their options before deciding whether Summerlin Benefits Consulting is the right fit.
What is the typical first meeting like?
Your first meeting is a conversation, not a sales pitch. We'll ask about your income sources, retirement goals, and concerns, review any statements you'd like to bring, and explain your options in plain language. Meetings happen in person — at our Yulee office or our Orange Park location — or by phone, never online or by video.
How are your services paid for?
We're compensated through insurance commissions paid by the carriers whose annuity or life insurance products you choose, not through fees billed directly to you. There's never a cost to meet with us, and you'll always understand how a product works before deciding if it's right for you.
What is the Green Line Strategy© discussed at your educational seminars?
The Green Line Strategy© is an educational concept from our seminars that shows how certain retirement income tools are designed to protect your principal from market downturns while still allowing for growth. We walk through it in detail, using real numbers and visuals, at every complimentary seminar we host.
Our Office and Orange Park Meeting Location
Once your questions are answered, the last practical detail is simply knowing how to find us.
Main Office: 57 Homegrown Way, Unit 301, Yulee, FL 32097
Phone: 855-809-2894
Hours:
Monday–Thursday 8:30 AM–4:30 PM (closed 12:00–12:30 PM for lunch)
Friday 8:30 AM–1:30 PM
Closed Saturday and Sunday
Directions: From Orange Park, take I-295 N to Yulee; the drive is about 42 miles and takes roughly 42 minutes.
For added convenience, we also meet Orange Park-area clients by appointment at The Nest Coworking
Space, 630 Kingsley Ave., Orange Park, FL 32073. This satellite location isn't staffed full time, so
appointments should be scheduled in advance by calling 855-809-2894.
What Our Area Clients Say
We could tell you what it's like to work with our team, but we'd rather let a few Orange Park-area clients say it in their own words.
"Stacy and Summerlin family made me feel comfortable about making life-changing decisions. Can't say enough, thank you."
~ Jamie Embree
"Excellent. Outstanding. Stacy always makes time for her clients as necessary. She comes fully prepared so she can explain and make recommendations."
~ Rosie Mohn
"Wonderful experience! Professional and personalized approach that fits our needs. They explained everything in ways I could understand with no pressure or hype. I am comfortable with their management and oversight of my portfolio. My annual reviews show that trust is well placed."
~ Daymond Westergard
Start Planning Your Orange Park Retirement Today
Whether you've called Orange Park home for years or you're settling in after a career that took you all over the country, our goal is the same: helping you move into retirement with more confidence, clarity, and peace of mind.
Ready to Protect Your Retirement Income in Orange Park?
Call 855-809-2894 to schedule a free retirement strategy session, or reach out through our contact form. You can meet with us at our Yulee office or by appointment at The Nest Coworking Space, 630 Kingsley Ave., Orange Park, FL 32073.
