We work best with individuals and families who want confidence that they can achieve their financial goals. Many of our clients are pre-retirees preparing for their next life chapter, Florida Retirement System (FRS) Special Risk professionals, and parents providing for adult children with special needs, such as serious mental health conditions. Based in Plantation, Florida, we serve clients locally in the Miami and Fort Lauderdale area, throughout the state of Florida, and nationally, providing fiduciary, fee-only financial planning and investment management tailored to your goals.

We provide comprehensive wealth management services that can include investment management, financial planning, tax planning, estate planning, Florida Retirement System (FRS) benefits advice, and special needs planning. Our comprehensive perspective means we help with everything from portfolio design and retirement strategies to charitable giving, pension options, special needs trusts, and tax-efficient strategies. As a fiduciary, fee-only advisor based in South Florida, we tailor your plan to your goals.

Both—our process integrates financial planning and investment management into one coordinated approach. We combine evidence-based, low-cost investing with personalized planning for retirement, taxes, cash flow, charitable giving, and more. As a fiduciary, fee-only advisor serving Miami, Fort Lauderdale, and all of Florida, our goal is to align every part of your finances so you can make confident, informed decisions. Learn more about our process.

We are a fiduciary financial advisor, which means we are legally and ethically required to put your interests first. Being fiduciary and fee-only means we don’t earn commissions on products—we’re paid directly by our clients for the services we provide. We pride ourselves on advice that is transparent, objective, and designed to give you clarity in every financial decision.

We are a fee-only financial advisor, which means you pay us directly and we don’t earn commissions. Our fee is a percentage of the assets we manage for you, and it also includes ongoing financial planning. This structure helps keep our advice objective and always focused on your best interests.

We follow an evidence-based investment approach focused on low costs, broad diversification, and long-term discipline. Your portfolio is designed around your goals and risk tolerance, with an emphasis on tax-efficient strategies to help you keep more of what you earn. We rebalance as needed and provide coaching through market ups and downs so you can stay confident and avoid short-term, emotionally driven mistakes.

No. We don’t require a minimum asset level to work with us. Our fees are based on a percentage of the assets we manage for you, and that includes ongoing financial planning. This way, you can access fiduciary, fee-only advice without worrying about hitting a certain account size.

No. We don’t offer one-time or hourly financial planning. Instead, financial planning is part of our ongoing process with every client—so your plan is regularly reviewed and updated as your life changes. By combining planning with investment management, you always have a clear strategy to guide your decisions. Discover our planning process.

Both. We meet with clients in person at our Plantation, Florida office and virtually by phone or video. Many of our clients appreciate the flexibility of remote meetings, while others prefer face-to-face conversations. Either way, you’ll receive the same fiduciary, fee-only guidance tailored to your goals.

Yes. We offer a complimentary initial consultation to learn about your goals and answer your questions. In this conversation, we’ll get to know your situation and explain how we work, so you can decide if our approach is right for you. It’s an easy, no-obligation way to explore working together. Schedule your call here.

We are based in Plantation, Florida, and proudly serve clients throughout Fort Lauderdale, Miami, and the greater South Florida area. Many of our clients come from nearby communities, such as Pompano Beach, Hollywood, Boca Raton, and Palm Beach. We also work virtually with clients across Florida and nationally. Wherever you are, you’ll receive the same fiduciary, fee-only financial planning and investment management tailored to your goals.

Yes. We specialize in helping Florida Retirement System (FRS) employees evaluate their options. Choosing between the Pension Plan and the Investment Plan is one of the most important financial decisions you’ll make, and the right choice depends on your career path, retirement goals, and risk tolerance. As fiduciary, fee-only advisors in South Florida, we provide unbiased guidance to help you understand the trade-offs and select the plan that’s best for your long-term future.

Yes. We regularly help FRS employees manage their Deferred Retirement Option Program (DROP) rollovers. Rolling over your DROP balance has important tax implications, and mistakes can be costly. We’ll guide you through the rollover process, coordinate the timing, and help you structure your distribution to avoid unnecessary taxes or penalties.

Yes. We work with FRS employees who are in the Investment Plan and want professional guidance in managing their retirement savings. Our role is to help you choose the right investment options, align your portfolio with your risk tolerance and goals, and make tax-efficient adjustments along the way. We also help make sure your FRS Investment Plan works together with your other retirement accounts, benefits, and overall financial plan.

Yes. We help FRS retirees plan for the fact that their pension does not include a full cost-of-living adjustment (COLA). That means your retirement income may lose purchasing power over time. We build strategies to help offset inflation—such as coordinating your pension with Social Security, investment income, and other savings—and maintain your lifestyle throughout retirement.

No—you don’t have to work with a financial advisor to use the FRS Pension Plan or DROP. However, many FRS first responders find it helpful to have guidance on decisions like retirement timing, DROP rollover strategies, and coordinating pension income with Social Security, taxes, and other financial areas. With a retired Miami-Dade Fire Rescue battalion chief on our advisory team, we understand the benefit decisions FRS Special Risk personnel face. We are honored to serve many Miami-Dade firefighters and other first responders as clients. Talking with an advisor can give you clarity about the choices ahead. Learn more about our FRS planning services.

Yes. We work with families who want to build a long-term financial plan for adult children with special needs, including those with serious mental health conditions. Our planning focuses on protecting your family member’s future while balancing your own retirement and financial goals. We can help coordinate strategies such as trusts, government benefit planning, insurance reviews, and estate planning.

Yes. We can help manage the investments inside a special needs trust as part of your overall financial plan. Our role is to help ensure that the trust’s assets are invested prudently, in line with the beneficiary’s long-term needs, while also coordinating with trustees, attorneys, and other professionals.

Yes. We regularly work alongside attorneys to help families establish special needs trusts. While your attorney drafts the legal documents, we make sure the trust is integrated into your overall financial plan and that funding strategies are coordinated properly. Our role is to help make sure the trust supports your loved one’s long-term needs while also protecting government benefit eligibility.

Yes. We help families balance their own retirement needs with the long-term care and security of a loved one with special needs. This includes coordinating strategies such as retirement income planning, trusts, government benefits planning, and estate planning. Our president and CEO, Allen Giese, ChFC®, CLU®, ChSNC®, has personal experience with special needs planning and authored When Mental Illness Strikes: Crisis Intervention for the Financial Plan to help guide families through these complex decisions.

Yes. We help families understand whether a loved one may qualify for government benefits and how those benefits fit into a financial plan. We’ll review your situation, explain what programs may be available, and coordinate with other professionals when needed. Our goal is to protect eligibility while ensuring your child has the resources and support they need for the future.

Yes. We help families estimate the resources needed to provide lifelong care for a child with special needs. This includes projecting future living expenses, medical and support costs, and adjusting for inflation. We then coordinate strategies such as funding trusts, balancing your retirement goals, and planning your estate so you can feel confident your child will be supported no matter what.

Our experience is both professional and deeply personal. We’ve worked with many families caring for loved ones with special needs, including serious mental health conditions. Our president and CEO, Allen Giese, wrote When Mental Illness Strikes: Crisis Intervention for the Financial Plan after his own son was diagnosed with schizophrenia. The book serves as a guide on the unique financial planning issues that parents face. As fiduciary, fee-only advisors, we bring the technical knowledge of planning together with the compassion and perspective families need to make confident, lasting decisions.