Bruce and Lori Montgomery bought and gutted a split-level house in Wildwood ... retire and move to Fort Myers Beach in Florida, live in a beachfront home and enjoy the warm weather and sound ...

Remember that Charles Schwab commercial with the silver-haired guy mocking the idea of being able to afford a dream retirement with a beach house ... 44-year-old, split-level house.

Designed with a four-level split and 3,117 square feet ... enhanced with a TV/game room, office and beach room. Located at 2261 Crescent Walk, the house is priced at $1,100,000.