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Meet our Team

Between our decades of experience as fee-only financial planners and our many leadership positions within the financial planning profession, we know what great financial planners look like. We believe the expertise and accomplishments of our award-winning team of fee-only CERTIFIED FINANCIAL PLANNER™ professionals, tax specialists, portfolio specialists, and the people who support them are as fine as you will find anywhere in the world.

Forgive us if that comes across as arrogant. Get to know us and you’ll see that while we take our work seriously, we are just a group of down-to-earth people that have formed one of the most highly acclaimed and decorated firms in the country.

Dedicated to helping our clients put their financial affairs in the best possible condition.

Our team of advisors is exceptionally good at identifying the best course of action for our clients’ unique needs and circumstances. We are big enough to deliver an impressive breadth and depth of knowledge to help get and keep your finances aligned with your vision, yet we are small enough to be highly attentive to our clients' needs.

Our fee-only financial planners write for several publications, are frequently engaged as speakers to planner and consumer groups, and are cited as sources for media outlets. Our support staff has twice been featured in financial advisory publications for their effectiveness. We have been repeatedly ranked among the nation’s top independent wealth management firms in various publications such as the Financial Times. In 2019 alone, we were again named a top firm by the Financial Advisor and AdvisoryHQ, ranked 24th overall when dubbed one of the 75 Best Places To Work For Financial Advisors in the US by InvestmentNews, and named to the Orlando Business Journal's "Fast 50" as one of the 50 fastest growing privately-owned companies in Central Florida.

We finished 2019 with one of the most prestigious accolades in the U.S. for independent advisory firms when we were honored by Schwab Advisor Services with the 2019 Trailblazer IMPACT AwardTM for over 20 years of efforts to improve the quality of advice, raise the bar for ethics standards, and advance the financial planning profession.

“We’re proud to recognize the high standard that these IMPACT Award-winning firms set,” said Jonathan Beatty, chief operating officer, Schwab Advisor Services. “They exemplify the best qualities of independent investment advisors, and their dedication to serving their clients and communities continues to drive the ongoing success of this industry.”

Moisand Fitzgerald Tamayo, LLC  is fully independent and not owned by or affiliated with Charles Schwab & Co., Inc. (“Schwab”), and its personnel are not employees or agents of Schwab. The IMPACT Awards® and this profile are not a referral to, endorsement or recommendation of, or testimonial for the advisor with respect to its investment advisory or other services. The information provided and the views expressed by the Registered Investment Advisors and their representatives are their own, without endorsement or verification by Schwab, and some statements have been edited.

 

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fee-only financial advisor Melbourne Florida

Daniel B. Moisand, CFP®

Senior Financial Advisor
Dan Moisand is a fee-only financial advisor in our Melbourne, Florida office and regarded by many as one of America’s top financial advisors for retirees and near retirees. A happily married father of two, he is a past national President of the Financial Planning Association, and has been featured as one of America’s top financial planners by at least 10 financial planning publications.
fee-only financial advisor Orlando

Charles E. Fitzgerald, CFP®

Senior Financial Advisor
Charlie Fitzgerald III, is a principal and founding member of the firm. With the support of our team of experienced professionals, Charlie provides financial planning and wealth management services to high net worth individuals, corporate executives, business owners, retirees, and trustees. In 2015, Charlie began a four-year term as a Board Director for the Certified Financial Planner Board of Standards, Inc. The CFP Board’s mission is to benefit the public by granting the CFP® certification and upholding the CFP® mark as the recognized standard of excellence for competent and ethical personal financial planning.
fee-only financial advisor Orlando

Ronald Tamayo, CFP®, EA

Senior Financial Advisor
Ron is a principal and founding member of the firm. He specializes in retirement planning, investment management and tax reduction strategies for corporate executives and business owners. He acquired his CERTIFIED FINANCIAL PLANNER™ certification in 1994 and has over 25 years of experience in financial planning and tax compliance.
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Derrick Chandler, CFP, fee-only financial advisor Orlando

Derrick Chandler, CFP®

Senior Financial Advisor
Derrick is a CERTIFIED FINANCIAL PLANNER™ professional who has been with the firm since 2002 and oversees our Financial Planning Department. His clients are retirees, business owners, and young professionals who are building their financial portfolios and wish to secure their cash flow, minimize taxes, develop a financial plan/retirement model and have their investments professionally managed.
fee-only financial advisor Orlando

Mike Salmon, CFP®, EA

Senior Financial Advisor
Mike is a CERTIFIED FINANCIAL PLANNER™ professional who has been with the firm since 2007. His expertise lies in the areas of retirement and tax planning. Mike assists in tax preparation of individual and corporate tax returns as well as year-end tax projections. He is also an Enrolled Agent, the highest credential the Internal Revenue Service awards. Mike is the current President of Financial Planning Association of Central Florida and a committee member of NAIOP Central Florida. Mike was recently recognized by Orlando Business Journal as a 40 under 40 honoree and previously by Financial Advisor magazine as a 2018 “10 Young Advisors to Watch".
DJ Hunt, CFP with Moisand Fitzgerald Tamayo

DJ Hunt, CFP®

Senior Financial Advisor
DJ Hunt is a CERTIFIED FINANCIAL PLANNER™ professional who joined the firm in 2020 after relocating from Amarillo, Texas, where he was born and raised. DJ has been serving clients in various areas of financial planning, investment management and banking since 2001. For the past nine years, he was a bank Vice President and Investment Officer, managing investment portfolios totaling $400 million for working professionals, business owners, retirees and charitable foundations.
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Pam Grabe, Client Service Manager with Moisand Fitzgerald Tamayo

Pam Grabe

Client Service Manager
Pam has been with the firm since 2008. She assists Charlie Fitzgerald’s clients with a variety of account services such as new accounts, transfers, 401(k) rollovers, beneficiary changes and account title changes. Pam also coordinates with planners to process and maintain clients’ cash needs. She works closely with the other Client Service Managers and partners to assure all client needs are met. Pam graduated with honors from the University of Central Florida in 1986.
Yutanna Moore, Client Service Manager with Moisand Fitzgerald Tamayo

Yutanna Moore

Client Service Manager
Yutanna has been with the firm since 2007. She assists Ron Tamayo’s clients with a variety of account services such as new accounts, transfers, 401(k) rollovers, beneficiary changes and tax return preparation. Yutanna also coordinates with planners to process and maintain clients’ cash needs. She works closely with the other Client Service Managers and partners to assure all client needs are met. Yutanna graduated with honors from Marshall University in 1986.
Tracy Smith, Client Service Manager with Moisand Fitzgerald Tamayo

Tracy Smith

Client Service Manager
Tracy has been with the firm since 2008 and assists our Melbourne area advisors with a variety of tasks. She assists with a variety of client account services such as new accounts, transfers, rollovers, beneficiary changes, address changes, account title changes, coordinating with estate planning attorney offices and CPA’s, and other administrative details that will ease a client’s financial life. She also works closely with the other Client Service Managers and partners to assure that all of our clients needs are met.
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Clareese Chin, Client Service Manager with Moisand Fitzgerald Tamayo

Clareese Chin

Client Service Manager
Clareese joined the firm in October of 2017. She assists Derrick Chandler and Mike Salmon’s clients with a variety of account services including new accounts, 401(k) rollovers, beneficiary changes, transfers, and tax return preparation. Clareese also processes and maintains clients’ cash needs. She works closely with the other Client Service Managers and partners to assure all client needs are met. Clareese graduated with honors from Rollins College in 2014.
Tommy Lucas, CFP with Moisand Fitzgerald Tamayo

Tommy Lucas, CFP®, EA

Financial Advisor
Tommy is a Certified Financial Planner™ professional who has been with the firm since 2015. He is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving him unlimited practice rights representing taxpayers before the IRS. Tommy plays an integral part in developing financial plans and retirement models as well as preparing tax returns and year-end tax projections for clients. His planning advice has been featured often in the Orlando Sentinel’s “Ask an Expert” column. Tommy is a happily married father of three boys.
Dave Baker, APMA and Portfolio Manager with Moisand Fitzgerald Tamayo

Dave Baker, APMA®

Portfolio Manager
Dave works as a Portfolio Manager. He graduated from the University of Central Florida with a Bachelor’s degree in Finance and has been with the firm since 2014. Dave manages the daily custodian reconciliation reports to ensure all accounts contain accurate and up-to-date information. He reconciles client portfolios to confirm they are in agreement with their Investment Policy Statement. Dave works closely with the Financial Planning Department to initiate trades in client accounts as needed.
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Ryan Osborne, Financial Analyst with Moisand Fitzgerald Tamayo

Ryan Osborne, CFP®

Financial Analyst
Ryan joined the firm in 2018 and works as a Financial Analyst in our Melbourne office. He is a CERTIFIED FINANCIAL PLANNER™ professional and earned a bachelor’s degree in financial planning from the Western Kentucky University. While attending WKU, Ryan was an active member as well as vice president of his Financial Planning Association student chapter. He assists the Financial Planning Department with its daily tasks such as custodian reconciliation reports, setting up client portals, scenario analysis, and the review of tax documents.
Paula Rocha, Financial Planner with Moisand Fitzgerald Tamayo

Paula Rocha, EA

Financial Analyst
Paula joined the firm in 2019 after working as a summer intern. She is an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving her unlimited practice rights representing taxpayers before the IRS. She earned a Bachelor of Science degree in Personal Financial Planning from the University of South Florida, where she was an active member of the Personal Financial Planning student chapter. Paula assists the Financial Planning Department with developing client financial plans and retirement models and the Tax Department with the preparation of tax returns and tax projections. Paula is currently pursuing a Certified Financial Planner designation.
Casandra Garrett, CFP with Moisand Fitzgerald Tamayo

Casandra Garrett, CFP® EA

Financial Analyst
Casandra is a CERTIFIED FINANCIAL PLANNER™ Professional who joined the firm in 2019 after a “return-to-work” internship. She is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving her unlimited practice rights representing taxpayers before the IRS. She has over 20 years of experience in the financial services industry, including client services, investments, and supervisory responsibilities. She assists the Financial Planning Department with developing client financial plans and retirement models and the Tax Department with the preparation of tax returns and tax projections. Casandra graduated with honors from Belhaven University in Jackson, MS in 1993 with a Bachelor of Science in Business Administration.
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