A Sanctuary from the Noise®

Fee-Only Financial Advisors Serving Orlando & Melbourne

We are confronted by a 24/7 news cycle, a parade of financial gurus, an infinite amount of information on the internet, a deluge of tweets and social media posts, and thousands of people pitching their products and services. That's a lot of noise!

At Moisand Fitzgerald Tamayo, LLC, our mission is to be “A Sanctuary from the Noise®." We are fee-only financial advisors that provide truly independent, objective, expert financial planning and wealth management to a select group of families. We give our clients financial confidence, security and peace of mind.

We help our clients take control of their finances and develop a clear vision for the present, future, and their legacies.

How We're Different


    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 three Enrolled Agents, licensed by the Internal Revenue Service to represent taxpayers in matters before the IRS.

    Most other "advisors" are essentially in the investment or insurance sales business.  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. 


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

    Most other financial advisors act more like speculators than prudent investors. Forcing clients to guess what the economy or markets will do in the short term is a lousy plan for financial success. Short term tactics can be important but they must be executed based upon wise strategic decisions rather than best-guess predictions.

    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.


    When we say “fee-only” we mean only. We NEVER make commissions or take compensation from third parties. 

    Many advisors say that they provide some services as “fee-only” or are “fee-based.” That’s just a way of sounding less conflicted. Be aware: commissions or other third part payments designed to steer client dollars into particular products may be involved.


    Saying we are “fiduciaries” means we obligate ourselves in writing to the highest standard under the law in ALL matters. We NEVER stop working solely for our clients. We believe the best way to deal with a conflict of interest is to eliminate it.

    Other firms can imply they have a fiduciary duty by saying they put “your interests first,” are held to a "best interest" standard, or use “We work for you” as a slogan. However, their duty often legally applies only to specific activities in specific accounts, if at all. Many will “switch hats” to sell products and services on behalf of a third party under a lower standard. For them, merely disclosing a conflict, often in fine print, is adequate.


    When we say “independent” we mean we it. No one owns us and we are not under contract to any party to sell products. Legally, we only work directly for our clients and no one else.

    Brokerage firms allow brokers, working as independent contractors, to call themselves “independent.” Such advisors are under contract to the brokerage firm to sell you products. In fact, despite their “independence,” recommending a product from a firm they don’t represent is a no-no, called “selling-away.” If you see language such as, “Securities offered through ABC securities member FINRA/SIPC” in any of their materials, it means they are a “registered representative” of a brokerage firm.

    We only represent our clients.


    "Objective" for most other advisors simply means they don’t have in-house (a.k.a. proprietary) products to sell, or that they don't just sell in-house products and sell for a number of companies.

    We do not sell products for anyone. We buy the best products we can find for our clients based solely on our client's needs. We are free to recommend, or not recommend, any financial instrument from any source. All products are evaluated based solely upon their merits, or lack thereof.


Who We Are

Our advisors and support staff at our Orlando & Melbourne offices cut through the noise and present the best options for your financial success. Our team has made us one of the most highly acclaimed firms in America.

News & Blog

How the SECURE Act affects retirement accounts

By Dan Moisand | July 13, 2020

How the SECURE Act affects retirement accounts Several tax code changes were enacted when the SECURE Act (Setting Every Community Up for Retirement Enhancement Act) took effect on January 1, 2020. We thought it would be more valuable to spare our clients the chore of perusing the 1,770 page document covering the entire bill and…

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What to expect in a stock market recovery

By Dan Moisand | June 12, 2020

What to expect in a stock market recovery There is an adage in sports, “Pressure is something you feel when you are not prepared.” While preparation does not eliminate all pressure, the sentiment holds truth. It is why coaches run drills and push players in practice. They do not want the pressures of competition to…

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How Moisand Fitzgerald Tamayo is a different type of financial planner
Moisand Fitzgerald Tamayo is a fee-only financial advisor serving the Orlando and Melbourne, FL areas
Dan Moisand, Fee-Only Advisor with Moisand Fitzgerald Tamayo