Fee-Only Financial Advisors serving clients nationwide from offices in Orlando, Melbourne & Tampa Florida

Real financial planning is more than creating software outputs and establishing an investment portfolio. It is an ongoing process of keeping one's finances in the best shape possible and coordinating that process over multiple subject areas. For instance, you cannot use your money for saving or spending and also use that money to pay taxes. Taxes are usually the biggest ongoing expenses of most families. We don’t just talk about taxes, we provide tax planning and stand by our advice. So much so that we have two CPAs and six Enrolled Agents, licensed by the Internal Revenue Service to represent taxpayers in matters before the IRS, on our team.

Most other advisors are wonderful people but work with important limitations. They are essentially in the investment or insurance sales business. For instance, chances are good that if you have worked with a brokerage firm, insurance company, or bank, somewhere in the fine print is a disclaimer such as, “XYZ firm does not provide tax advice. See your tax advisor for details.” They talk about taxes and financial planning and may give you or sell you "a plan" but ultimately planning is used to justify being paid by a third party to put your money in certain products. 

We are investors, not speculators. We manage investment portfolios but do not “play the market,” try to time the market or otherwise gamble with our clients’ money.

Too many people act more like speculators than prudent investors. Forcing clients to guess what the economy or markets will do in the short term is a sure way to increase their stress levels and is likely to reduce their odds of becoming or staying financially secure. Short term tactics are important but they must be executed based upon wise strategic decisions rather than best-guess predictions.

You will never see a market barometer or breaking news on this site - that’s simply more noise.

When we say “fee-only” we mean only. We NEVER make commissions or take compensation from third parties. Our advisors are only paid to advise and serve clients and receive a proper salary for their efforts.

Many advisors say that they provide some services as “fee-only” or are “fee-based.” That can sound like there are no commissions or other third part payments that create conflicts of interest. However, those terms are typically used precisely because commissions or other third party payments designed to steer client dollars into particular products may be involved.