Fiduciary Financial Advisor Serving Orlando, FL
Fee-Only Financial Planning. No Asset Management. No Commissions. Just Clear Advice.
We are a Fee-Only and Advice-Only Firm Specializing in Tax Efficient 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?
Get answers to your most important retirement questions.
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 This is a get-to-know-you conversation. We’ll learn about your goals, concerns, and what matters most to you, while also sharing how we work and what we believe when it comes to financial planning. The purpose of this meeting is simple: to determine whether we’re a good mutual fit.
2. Path Forward A follow-up to our introduction meeting where we connect the dots. We’ll outline a clear, practical plan for addressing the goals and concerns that prompted you to reach out, explain how we’d work together, and clarify next steps. By the end of this meeting, you should have what you need to confidently decide whether partnering together makes sense.
3. Get Organized Once the client agreement is in place, we’ll begin a deeper discovery process and formally gather your financial information. You’ll gain access to our secure planning platform, where you can link accounts and upload important documents. This step allows us to organize everything in one place and ensures your plan is built on accurate, complete information.
4) Planning & Recommendations We analyze your financial situation, model different scenarios, and develop clear, actionable recommendations aligned with your goals. We then walk through the plan together so you understand the trade-offs and can make confident decisions.
5) Implementation & Ongoing Advice Once decisions are made, we support implementation by providing guidance, reviewing next steps, and coordinating with outside professionals when needed. We continue to meet on an ongoing basis to monitor progress, adjust recommendations as life changes, and help you stay on track.
