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 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. 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’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 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 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

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Does it matter if we go into a recession?

By Dan Moisand | September 14, 2022

 Does it matter if we go into a recession? Key Points: Determining when an economy goes into and out of a recession is difficult and requires hindsight. Making economic forecasts such as the start and end date of a recession is not likely to improve investment results. Recessions are not problematic for most people…

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With the Fed raising rates, how high will rates go?

By Dan Moisand | August 12, 2022

 With the Fed raising rates, how high will rates go? The media keeps front and center the issue of how many interest rate increases by the Federal Reserve are coming and how high those increases will be. However, no one knows for certain how far up interest rates might go. The interest rates for…

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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