Retirement Income Strategies in
YULEE, FLORIDA
Learn more about how these things impact you in Yulee:
✔ Social Security
✔ Retirement Income
✔ Tax Strategies
✔ Local Guidance
Retirement Income Strategies in Yulee, Florida
If you're trying to figure out how to turn decades of savings into retirement income that actually lasts, you're asking the same question we hear from neighbors across Yulee every week. Summerlin Benefits Consulting has called Yulee home since our founding in 2012, with our office at 57 Homegrown Way, Unit 301, just minutes from wherever you live in town. Founder Stacy Summerlin brings more than 29 years of personal industry experience, and our team, licensed in Florida and Georgia, focuses on retirement income strategies — annuities, life insurance, and educational seminars — built to protect what you've worked for. Call us at 855-809-2894 to start the conversation.
Who Do We Serve in Yulee?
Before getting into specific strategies, it helps to know who we typically work with — because Yulee's population looks different than it did even a decade ago.
Yulee is a community in transition. With a median age of 38.1 and a median household income of roughly $85,247, the town is still very much a family destination — but it's also home to a fast-growing share of residents nearing or already in retirement, with roughly one in five adults age 65 or older. That mix shows up in who walks through our door.
Many of the pre-retirees and retirees we work with come from career backgrounds tied to Rayonier, the timberland and lumber company headquartered right here in Yulee, along with the Nassau County School District, healthcare, and the steady stream of residents who commute into Jacksonville for work. We also see a growing number of clients relocating to Yulee from other parts of Florida and out of state, drawn by the area's small-town feel, newer housing developments, and easy access to both Jacksonville and the coast.
Most of the people we help are between 55 and 70, sitting on $250,000 or more in qualified retirement accounts, and facing one or more of the same decisions: what to do with a 401(k) from a former employer, whether to take a pension as a lump sum or a monthly check, when to start Social Security, and how to weigh an annuity against a CD or bond ladder for guaranteed income. If any of that sounds familiar, you're exactly who this page is written for.
Why Do Yulee Residents Choose Us?
Knowing who we serve is one thing — knowing why they chose to work with us in the first place is another.
Because we've been headquartered in Yulee since 2012, we're not just another firm with a marketing footprint in Nassau County — we're neighbors. Our team is active in the Nassau County Chamber of Commerce, and we've held Better Business Bureau accreditation since 2021, both of which matter when you're deciding who to trust with your retirement income.
Stacy Summerlin founded the firm in 2012 and brings more than 29 years of personal industry experience to every client relationship. She's built Summerlin Benefits Consulting around an education-first philosophy: you should understand every strategy before you commit to it, not just take our word for it. Learn more about her background on our about us page.
Keith Summerlin serves as Executive Vice President and is a retired U.S. Air Force veteran, bringing the same discipline and attention to detail he developed in service to the country. Between them, they've guided countless Yulee-area clients — including many who came to us after careers at Rayonier or in the Nassau County School District — through the transition from saving to spending in retirement.
That local, hands-on approach is only half the story — the financial landscape here in Florida works in your favor too.
What Sets Us Apart:
- Founded in Yulee in 2012 — family-owned and locally headquartered
- Stacy Summerlin: 29+ years of personal industry experience
- Licensed in both Florida and Georgia
- BBB-A+ accredited since 2021
- Active member, Nassau County Chamber of Commerce
- Keith Summerlin, Executive Vice President, is a retired U.S. Air Force veteran
Educational retirement seminars help Jacksonville-area residents understand their options in a relaxed, no-pressure environment.
What Florida Retirement Tax Advantages Do Yulee Residents Have?
One reason so many people choose to retire in — or stay in — Yulee comes down to simple math: Florida has no state income tax. That means your Social Security benefits, pension income, IRA and 401(k) withdrawals, and annuity income all pass to you without the state taking a cut, which can make a meaningful difference over a 20- or 30-year retirement.
Florida's Homestead Exemption can reduce the assessed value of your primary residence by up to $50,000, and the Save Our Homes cap limits annual increases in assessed value to 3% for homestead properties, which helps keep property taxes predictable even as home values in Nassau County continue to rise. For the 2025–26 fiscal year, Nassau County's countywide millage rate is 6.7457 mills, the fifth consecutive year the county has lowered its rate — good news if you're budgeting for retirement here.
Florida also has no estate tax and no inheritance tax, which simplifies the legacy planning conversation for many of our clients. Combined, these advantages are a big part of why Yulee continues to attract retirees from higher-tax states.
Nassau County Tax Tip
Yulee sits inside Nassau County, which has lowered its property tax millage rate for five straight years — currently 6.7457 mills for 2025–26. Paired with no Florida state income tax on Social Security, pensions, or retirement account withdrawals, that trend has made Yulee one of the more tax-friendly places in Northeast Florida to stretch a fixed retirement income, especially compared to coastal Amelia Island just a few miles away.
Image Provided by Local Artist, Ivan's Eye Photography
Our Services for Yulee Retirees
Once you understand the tax landscape working in your favor, the next question is how to structure your savings to take advantage of it. Here's how we help.
Annuities: For clients who want a portion of their savings to generate guaranteed, predictable income, we build retirement income protection strategies using annuities matched to your timeline and goals — not a one-size-fits-all product.
Life Insurance: Our insurance services help Yulee families protect loved ones and, in many cases, build a source of tax-advantaged supplemental income for later in retirement.
Educational Seminars: We host complimentary educational retirement seminars at fine dining restaurants such as Maggiano's Little Italy and Chophouse Thirteen, where attendees enjoy a gourmet meal while we walk through Social Security timing, required minimum distributions, and the Green Line Strategy©. Check our current schedule for the next Yulee-area date.
Whichever of these fits your situation, the process to explore them starts the same way — with a conversation, not a sales pitch.
How Do I Get Started?
Getting started is simple, and for most Yulee residents it begins with one of our complimentary dinner seminars — held at a fine dining restaurant with a gourmet meal included, no obligation attached.
• Call our office at 855-809-2894, or reach out through our contact form to ask about our next seminar or request an appointment.
• Attend a complimentary educational seminar, or schedule a one-on-one meeting directly.
• Meet with our team in person at 57 Homegrown Way, Unit 301 in Yulee, or by phone — whichever is easiest for you.
• Walk through your specific situation: rollovers, pensions, Social Security timing, and income strategy.
• Leave with a clear, personalized plan — with no pressure to act before you're ready.
Retirement Planning Questions from Yulee, FL Residents
Before scheduling an appointment, many Yulee residents have practical questions about our office, our services, and what it's like to work with us.
Where is Summerlin Benefits Consulting's office located relative to Yulee?
Our office is located right in Yulee, at 57 Homegrown Way, Unit 301 — we're not a satellite of some other city, we're headquartered here. Most Yulee neighborhoods are within a 5- to 15-minute drive of our door.
Does Florida tax retirement income for Yulee residents?
No. Florida has no state income tax, so Social Security benefits, pension payments, IRA and 401(k) withdrawals, and annuity income are not taxed at the state level for Yulee residents. You'll still owe federal taxes where applicable.
How much do I need to retire in Yulee?
It depends on your lifestyle and goals, but most clients we help have $250,000 or more in retirement savings. Yulee's cost of living runs about 10% above the national average, so we build income strategies around your actual expenses, not a generic rule of thumb.
What is the cost of living in Yulee compared to the national average?
Yulee's overall cost of living index is about 110.3, meaning it runs roughly 10.3% above the national average but about 7% below the Florida average — making it more affordable than many nearby coastal communities like Amelia Island.
Do you work with clients who live outside Yulee?
Yes. In addition to our Yulee office, we meet clients by appointment at satellite locations in Jacksonville, Orange Park, and St. Simons Island, Georgia, so you can meet closer to home if that's more convenient.
Can you help me roll over a 401(k) from a Yulee-area employer like Rayonier?
Yes. Rollovers from Rayonier, Nassau County School District, and other local employers are one of the most common conversations we have. We'll walk through your options — including whether rolling over even makes sense for your situation — before recommending anything.
How has Yulee's growth affected retirement planning for longtime Nassau County residents?
Yulee has grown quickly over the past decade, adding new neighborhoods, schools, and retail alongside its established communities. For longtime residents, that growth often means rising home values and property tax reassessments. We regularly review how the Homestead Exemption and Save Our Homes protections apply to each client's situation, so local growth works in your favor rather than against your retirement income plan.
Is there any cost or obligation to meet with Summerlin Benefits Consulting?
No. Initial consultations and our educational seminars are complimentary, with no cost or obligation. We believe you should understand your options fully before deciding whether to work with us.
What is the typical first meeting like?
Your first meeting is a relaxed, no-pressure conversation — in person at our Yulee office or by phone — where we learn about your goals and answer your questions. Many clients first meet us at one of our educational dinner seminars before scheduling anything one-on-one.
How are your services paid for?
Our services are paid for through insurance commissions, not fees you pay out of pocket. We're compensated by the insurance carriers whose annuity and life insurance products we help you evaluate and select.
What is the Green Line Strategy© discussed at your educational seminars?
The Green Line Strategy© is the framework we teach at our educational seminars to help attendees visualize how guaranteed income sources can be layered to cover essential expenses throughout retirement. We explain it in full, with no obligation, at every seminar.
Where Is Your Office Located?
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
What Area Clients Say
Of course, don't just take our word for what working with us is like — here's what a few of our Yulee-area clients have shared.
"Very informative in explaining the 2 different plans. I'm very happy that I changed my plans with Summerlin."
~ Teena
"Everything was broken down to make sure that I understood how the policy's work. Very patient and understanding to my needs. Pleasure doing business with the team. Thanks for all your help!"
~ Diane Hunter
"I love Summerlin because of the wealth of knowledge Stacy and her team have. They are diligent about their follow through and follow up! Extremely pleased and feel like my retirement plans are in very good hands."
~ Mark
Ready to Build a Retirement Income Plan That Lasts?
Whether your family has been in Yulee for generations or you moved here for a quieter pace of life near the coast, our goal is the same: to help you move into retirement with greater confidence, clarity, and peace of mind.
Ready to Protect Your Retirement Income?
Schedule a free retirement strategy session by calling 855-809-2894, or reach out through our contact form.
Phone: 855-809-2894
Office: 57 Homegrown Way, Unit 301, Yulee, FL 32097
