5 Top Tips to Consider When Planning Your Next Chapter in Florida

When the kids fly from the nest, often the next chapter in life begins. Whether retiring or just enjoying your new found freedom, many empty nesters find themselves ready for something fresh and different. For some, that might mean picking up a new hobby, while others take the opportunity to relocate to a new destination. With its year-round temperate weather and abundance of new construction homes, Florida has become an ideal spot for those seeking a new retirement lifestyle. However, with so many options available, how does one find the ideal place to call home for the golden years? Here are some key factors to consider.

1. Get to Know Florida’s Financial Incentives

Affordability is a key draw for buyers considering new construction homes, particularly in tax-friendly states like Florida. The Sunshine State offers flexibility in managing retirement funds, with no tax on pensions, IRA/401(k) withdrawals, or retirement income. Florida also eliminates inheritance and estate taxes, making it easier for families to pass on assets. Homestead exemptions and the Hometown Heroes program—which helps frontline workers with down payment and closing costs—further improve opportunities. On top of that, Florida’s policy of not taxing prescription medications helps save even more.

2. Consider Proximity to Military Bases

Florida has a strong tradition of honoring those who have served our country. In fact, the state is home to the nation’s third-largest veteran population. Many have found a thriving military community in Northeast Florida, thanks to its proximity to Naval Station Mayport, Naval Air Station Jacksonville, and Kings Bay Submarine Base. Each base not only provides a sense of community, but also access to the financial savings of the commissary. Three VA clinics nearby provide everything from physical therapy and rehab to mental health care. Whether attending base events or accessing specialized care, veterans can embrace a new chapter of peace and camaraderie.

3. Uncover the Adventurous Sides of Florida

Just as important as conveniences are ways to have fun. North Florida offers plenty of ways for retirees to add adventure to their lifestyle. Nature lovers can explore the history and wild beauty of Talbot Island Parks and Fort Clinch State Park’s trails. Nearby marinas are hubs for cruising the Atlantic coast for prized catches, while Amelia Island’s white-sand beaches invite leisurely strolls. For shopping, Historic Downtown Fernandina offers charming boutiques, while River City Marketplace and St. Johns Town Center provide even more options. Whether teeing off at top golf courses, catching a live event, or visiting local museums, there’s always something to enjoy.

4. Find the Retirement Lifestyle That Fits You Best

Retirement is also a time to find new connections. Many individuals are drawn to master-planned communities, where modern amenities and a sense of belonging go hand in hand. Tributary’s Lookout Amenity Center, for example, has created a hub of community connection. Whether enjoying a workout at the Fitness Center, dinking on the pickleball courts, or relaxing by the resort-style pool, there’s always something to do. The playground and recreational playfield are perfect for when the grandkids visit, while the Pawsome Dog Park is sure to delight the grandpups. Plus, the on-site lifestyle director ensures a vibrant calendar of events, providing opportunities to make new connections and create lasting memories with neighbors.

5. Discover the Benefits of Low-Maintenance Living

Master-planned communities are also designed to provide fewer responsibilities for homeowners. At Tributary, the Community Development District and Homeowners Association work together to enhance the community. The CDD focuses on maintaining public spaces and infrastructure, while the HOA manages community rules, landscaping, and upkeep of common areas. The homes themselves also provide a low-maintenance and sustainable lifestyle. Builders David Weekley Homes and Lennar have prioritized energy-efficient features like low-E glass windows, high-efficiency air conditioning, and smart home technology in their designs.

New North Florida Homes from the $300s

Spanning across 1,550 acres of land, residents of Nassau County’s newest master-planned community Tributary get to Explore More with a prime natural location and private on-site amenities. An impressive selection of new, single-family homes from the $300s are now being offered for all stages of life. A new phase of homes for Lakeview 55+, Tributary’s active adult neighborhood by Lennar, will also be coming soon.

Model homes are open daily at Tributary for tours. To get a full overview of the community and surrounding area, be sure to connect with Tributary on Facebook and Instagram. You can also visit TributaryLiving.com for more information.