Financial Planning With Smart, Tailored Tax Strategies
Tommy helps clients take control of their finances by optimizing cash flow and creating intentional retirement plans. He specializes in tax planning, with particular attention to income tax withholding and employer benefits, helping clients avoid costly mistakes and make confident decisions.Tommy routinely advises on advanced strategies including 401(k) contribution optimization, backdoor and mega backdoor Roth conversions, capital loss harvesting, and 0% capital gain harvesting. He also reviews life, health, auto, and home insurance needs, as well as estate plans.
Tommy began his career at the firm as an intern and, through years of dedication, grew into his current role as lead advisor and owner. He now heads the firm’s internship program, mentoring the next generation of advisors. He has shared his expertise with CFP Board by writing exam questions for their national certification exam for candidates vying to become CERTIFIED FINANCIAL PLANNER © professionals. As head of the Tampa, Lakeland, Lake Mary and Jacksonville offices, Tommy combines his professional expertise with a passion for leadership and client success. Outside of work, he considers it the honor of his life to be a loving husband to his wife and father to five boys.
Direct Contact Information
Phone: 407-869-6228 ext. 116
Email: tommy@moisandfitzgerald.com
Office Location: Orlando
Also Serving: Jacksonville, Lakeland, Lake Mary, and Nationwide (virtually)
Education & Credentials:
- Bachelors of Science in Business Administration, Finance – University of Central Florida
- CERTIFIED FINANCIAL PLANNER © professional
- Enrolled Agent
- FL 2-15 Health, Life and Variable Annuity License (fee-only advice only, not sales)
Professional Experience
Tommy has spent his entire professional career of almost 10 years at Moisand Fitzgerald Tamayo, starting out as an intern helping with the back office. Since then, he has honed his technical skills as a financial analyst and now directly works with clients as an advisor.
Areas of Expertise
Tommy’s main areas of expertise are allocating savings in an optimal way to retirement and non-retirement accounts, managing tax withholding to maximize cash flow throughout the year, creating tax projections to find opportunities such as Roth conversions or capital gain and loss harvesting, and preparing tax returns that are accurate and incorporate the tax planning strategies.
Resources & Insights
Tommy’s financial planning and investment commentary has been featured on CNBC, The Wall Street Journal and Central Florida Public Radio, Orlando’s primary provider of NPR programming.