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At Compass Financial, we have been helping Publix employees since 1991. Just like anyone else you may be talking with, we are not endorsed in any way by Publix Corporate offices. Based upon our experience, we use a more specialized approach to meet specific needs of Publix Associates that is different from other advisors.


Keeping ESOP and 401(k) Stock

Personal Financial Plan

Retiring Without Penalties
Our approach allows you to receive a monthly income while keeping a large portion of stock from your ESOP and 401(k) for future growth. As you know, this stock has helped build your wealth over the years. Many of our clients tell us that our approach is very different from the advice received from other advisors that recommend selling all of their stock and “diversify*” the funds in the market.
*Diversification does not guarantee a profit or protect against a loss in a declining market.  It is a method used to help manage investment risk.
Whether you are retiring soon or several years from now, we believe the first step to full or part time retirement is a written financial plan. We will provide you with a complete retirement analysis at no cost or obligation to you. This plan is prepared by a Certified Financial Planner™ and gives you a time-frame of when you may be able to retire, based upon your individual goals.
You may retire before 59 ½ without penalty. It is possible but it must be done properly by utilizing strategies such as IRS code 72(t) or Net Unrealized Appreciation (NUA). We have many years of experience with these IRS regulations and will be happy to guide you through the process of using them.


 880 Airport Road Suite 112A
 Ormond Beach, FL 32174

 3340 Peachtree Road NE
 Suite 2300
 Atlanta, GA  30326


 Phone: 888 673-5191
 Fax: 386 673-9331


Although you are welcome to meet with us at either of our offices we will gladly come to you.
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Check the background of this financial professional on FINRA's BrokerCheck