Advice you can count on.
Get to know Astute Retirement.
Our commitments:
- Educate members.
- Maximize Medicare and retirement benefits.
- Secure retirement income.
- Invest skillfully.
Unbiased Fiduciary Advice
We provide retirement information, investment advice, guaranteed income products and Medicare plans.
Areas Of Expertise
- Medicare
- Guaranteed income products
- Investment solutions
- Life Insurance
- Tax and survivor planning

Michael Howard Natter , Founder
Certified Federal retirement consultant (FRC)
I’m a financial professional who specializes in assisting employees and entrepreneurs, pre and post-retirement.
My background includes 30 years in banking and finance. including a Managing Director position at Bank of America. I have been licensed in investments or insurance since 1986.
I started Astute retirement to enable clients to better navigate the salesmanship and inherent biases of the investment and insurance industries. I am part of a nationwide investment firm, Futurity First, www.futurityfirst.com, with two offices in Florida, Orlando and Port St. Lucie.
Unlike many advisors that are biased (to income, usually annuities, or growth, usually stocks), the professionals at Astute retirement remain unbiased.
Instead, we will discover, by carefully analyzing your situation and getting to know you, which solution, or a mix of both, is best for you.
Astute Retirement provides unbiased information including:
• A written summary of your income and expenses pre and post-retirement
• Guidance for maximizing Social Security and Medicare benefits.
• Education on post-retirement asset allocation and investment decisions.
• Advise on how to reduce your exposure to stock market losses and taxes.
Call us at 415 505 4034 to schedule your appointment today!