A Sanctuary from the Noise®

We help you know what is truly important for your family's finances and expertly integrate financial planning, investment management and tax advice

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

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 in Orlando, Melbourne and Tampa, Florida that provide truly independent, objective, expert financial planning and wealth management to a select group of families around the U.S. 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 a CPA 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. 


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

    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 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. 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.


    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 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 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 have chosen to only represent our clients.


    "Objective" for most of the financial services industry simply means they don’t have in-house (a.k.a. proprietary) products to sell or that they sell products of more than one company.

    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.

men in a meeting

Who We Are

Our fee-only financial advisors and support staff at our Orlando, Melbourne and Tampa 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

Still photo from video

How do I make charitable donations from my 401(k)?

By Dan Moisand | November 14, 2022

How do I make charitable donations from my 401(k)? Direct donations from a 401(k) to charity on a tax favored basis are not possible. However, direct donations to charities from IRAs, called Qualified Charitable Distributions, are permitted. There are a few requirements to make those donations completely tax-free, chief among them is you must be…

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The latest from Washington, D.C.

By Dan Moisand | October 14, 2022

 Before we get to the personal finance related happenings from Washington D.C., we wanted to take a moment to send our thoughts and prayers to our fellow Floridians. The devastation from hurricane Ian is incredible. While the storm weakened as it passed across Florida, it was still quite capable of causing damage. If you…

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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