Fiduciary Financial Advisor Serving Orlando, FL

Fee-Only Financial Planning. No Asset Management. No Commissions. Just Clear Advice.

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We are a Fee-Only and Advice-Only Firm Specializing in Retirement Planning for Pre-Retirees and Retirees in Orlando

Your Pressing Questions. Our Focus.

Sound familiar?...

When can I retire?
How much can I safely withdraw each year?
How can I turn my savings/investments into a paycheck?
Will I run out of money?
When should I apply for social security benefits?
Am I invested appropriately?
How do I minimize taxes in retirement?
Am I financially prepared for emergencies?

If you're asking these questions, we may be a good fit for you.

Who We Work With

Pre-Retirees and Retirees

We primarily work with individuals and couples who:

Are within 5 years of retirement or already retired.

You're at a pivotal transition point and want clarity on what's next.

Have accumulated $500k+ in retirement savings (401(k), IRA, brokerage accounts).

Because we charge a flat fee, our service is generally most cost-effective for those with investable assets north of $500k.

Want to optimize Social Security, minimize taxes, and create sustainable income.

There are decisions to make, and you want to get them right.

Value collaboration and hands-on guidance.

You appreciate "working sessions" where we sit together, walk through the decisions, and help you take action.

Are looking for an ongoing relationship.

You want a fiduciary advisor in your corner for the long haul.

Our 'Ongoing Financial Planning' service is an ideal fit.

We Also Work with Professionals Building Wealth

While retirement planning is our primary focus, we also help younger professionals in their 30s and 40s who are in their wealth-accumulation years and need guidance on maximizing retirement contributions, optimizing taxes, or making smart financial decisions as their careers grow.

Our 'One-Time Financial Planning' or 'Focused Financial Session' services are often a great fit.

Why Choose Florida Financial Planning

We're Fee-Only and Advice-Only. No hidden fees. No commissions. No conflicts of interest. You pay a transparent flat fee for financial advice. That's it.

As a fiduciary, our #1 focus is on what you value most in life.

We have the credentials: CFP® - CERTIFIED FINANCIAL PLANNER™

We have the expertise and knowledge having served hundreds of individuals and families, at all different stages of their financial journey.

We have a well-defined proven process.

Flat-fee pricing offers clarity, predictability, and minimizes conflicts of interest, at a price that makes sense.

Our #1 goal is to win a lifetime relationship by providing an extremely valuable experience.

Retirement Planning for Orlando Professionals

You've spent your career working hard, maybe at one of Central Florida's theme parks, healthcare systems, defense contractors, or tech companies. You've saved diligently. You're ready for the next phase of your life, but it's unchartered territory. What's next?

Retirement isn't just about having a plan on paper. It's about making sure everything actually gets done - the 401(k) rollover, setting up your retirement paycheck, optimizing Social Security, minimizing taxes.

We're your strategy partner and your execution partner.

Strategic Planning

Figuring out when you can actually retire
Determining how much you can safely spend
Adjustments to spending with major market movements (guardrails)
Deciding when to start taking social security
Choosing between pension options
Creating your retirement paycheck
Deciding which accounts to withdraw from first
Evaluating Roth conversion opportunities
Planning around mandatory withdrawals at 73 (RMD)
Adjusting your investments for retirement
Managing taxes in retirement
Preparing for market downturns
Planning for your legacy
Protecting the surviving spouse
Evaluating long-term care risk

Operational Tasks We Can Assist With

Contact plan administrator to coordinate any 401(k) rollover
Opening your new IRA account
Consolidate scattered accounts
Setting up automatic monthly transfers to your checking account
Updating who gets your money if something happens
Changing how dividends and interest are paid
Applying for social security
Rebalancing your investment accounts
Implementing tax-loss/tax-gain harvesting
Processing Roth conversions
Handling mandatory annual withdrawals (RMD)
Setting up charitable donations directly from your retirement account
Coordinating with your CPA on tax planning

Our Process

1. Introduction Meeting We get to know you, your goals, your concerns, and what matters most in your life. This is where we determine if we're a good fit for each other. We'll compose a clear plan for how we'd work together.

2. Proposal Review & Next Steps A follow up to our introduction to confirm we fully understood your goals and addressed a clear plan for how We'll help you achieve them. We'll answer any final questions and decide together on the best path forward.

3. Get Organized Deeper discovery dive and we start to formally gather your financial information. You’ll gain access to our secure financial planning platform allowing you to link accounts and share important documents.

4) Analysis & Planning We analyze your financial situation, run projections, and develop a comprehensive plan tailored to your specific goals and values.

5) Presentation & Implementation We walk through our recommendations together in a working session. Then we help you implement - whether that's opening accounts, filing paperwork, or coordinating with your CPA.

6) Ongoing Partnership We meet regularly to review your plan, adjust as life changes, and make sure you stay on track toward your goals.