About the firm
Certainty instead of speculation
The Sunshine Financial Partners is a Deerfield Beach financial and insurance services firm that educates retirees and pre-retirees—and then helps them act with guarantees in place.
Who we are
Education first. Guarantees second. Sales pitch never.
You’ve worked hard for your money. Our job is to share what more than twenty years of experience have taught us, help you make sound decisions, and let your money work for you—safely. We are a proud member of the Safe Money Places® Agent Network and the hosts of Safe Money Radio in South Florida.
Educate
We explain every option in plain English, with the trade-offs, before any recommendation.
Protect
We favor strategies with guarantees: principal protection, lifetime income, insured care.
Stay
Retirement is 25+ years. We review the plan with you every year, for as long as you need us.
Managing Partner · “The Safe Money Doctor”
Richard Donoff
With more than 30 years in financial services, Richard has helped thousands of retirees and pre-retirees protect what they’ve built, generate reliable income and retire with confidence. Known as “The Safe Money Doctor,” he is trusted for strategies that put security, steady growth and guaranteed lifetime income ahead of unnecessary market risk.
Richard is nationally recognized for designing personal lifetime pensions and for his expertise in long-term care planning—including securing coverage for clients who have been told “no” elsewhere. He also guides families through Social Security claiming decisions and tax-efficient college funding.
A graduate of Washington University in St. Louis with an MBA in Marketing and Finance, Richard has built and led large financial services organizations. Married to his wife Ellen for 45 years, he is the father of two and proud “Poppi” to four grandchildren.
Richard is nationally recognized for designing personal lifetime pensions and for his expertise in long-term care planning—including securing coverage for clients who have been told “no” elsewhere. He also guides families through Social Security claiming decisions and tax-efficient college funding.
A graduate of Washington University in St. Louis with an MBA in Marketing and Finance, Richard has built and led large financial services organizations. Married to his wife Ellen for 45 years, he is the father of two and proud “Poppi” to four grandchildren.
Specializes in
- Safe, high-yield retirement strategies
- Tax-free retirement income planning
- Personal lifetime pension design
- Advanced long-term care planning
- Social Security optimization
- Tax-efficient wealth transfer
Partner
Jeffrey Abramson
Jeffrey began his career in 1991 as a commodity trader and later served as a Series 7 institutional bond broker before turning to comprehensive personal financial planning. Since 1999 he has specialized in helping individuals and families protect their assets and plan for retirement using conservative, “safe money” strategies.
His holistic approach covers income planning, estate and legacy planning, chronic-illness planning and risk management. Jeffrey is certified through the Council of Financial Educators (COFE), a 501(c)(3) nonprofit, to provide objective Social Security education.
Jeffrey earned his degree in Economics and Finance from Walsh College. He lives in Boca Raton, is a proud father of three, and enjoys golf, the outdoors and time with family and friends.
His holistic approach covers income planning, estate and legacy planning, chronic-illness planning and risk management. Jeffrey is certified through the Council of Financial Educators (COFE), a 501(c)(3) nonprofit, to provide objective Social Security education.
Jeffrey earned his degree in Economics and Finance from Walsh College. He lives in Boca Raton, is a proud father of three, and enjoys golf, the outdoors and time with family and friends.
Specializes in
- Conservative “safe money” strategies since 1999
- COFE-certified Social Security educator
- Income, estate and legacy planning
- Chronic-illness and risk management
Partner
Joey Paluzzi
Joey brings more than 20 years of financial-services experience to the firm, specializing in guaranteed and insured planning strategies that deliver income stability, asset protection and long-term confidence.
He began his career in the commodity markets before owning and operating mortgage and title companies—a background that gives him a practical understanding of risk, cash flow and capital efficiency. Joey is qualified to provide Social Security education through a nonprofit 501(c)(3) framework and mentors advisors within the firm.
A lifelong fitness enthusiast, Joey brings the same discipline and long-term mindset from training into his client work. His relationships are built on trust, continuity and clarity.
He began his career in the commodity markets before owning and operating mortgage and title companies—a background that gives him a practical understanding of risk, cash flow and capital efficiency. Joey is qualified to provide Social Security education through a nonprofit 501(c)(3) framework and mentors advisors within the firm.
A lifelong fitness enthusiast, Joey brings the same discipline and long-term mindset from training into his client work. His relationships are built on trust, continuity and clarity.
Specializes in
- Guaranteed income strategies
- Tax-aware planning and wealth transfer
- Long-term care asset repositioning
- College funding strategies
- Social Security education and claiming analysis
On the air
Safe Money Radio
Our partners host Safe Money Radio in South Florida: straight talk on retirement income, Social Security and protecting what you’ve saved. Call us for the current broadcast schedule, or bring a question from the show to your first conversation.
Safe Money Places® Agent Network
A national organization of independent financial professionals who share one philosophy: keep retirement wealth intact and safe with products that provide income, preserve estates, or both.
Not sure where to start? Ask us a financial question.
Every situation is different and there is no one-size-fits-all retirement plan. Ask anything—you’ll get a straight answer from a licensed professional, not a sales pitch.