# Andrew Cettina

> Andrew Cettina is a fee-only financial advisor at OxenFree Financial in Melbourne, Florida. Andrew charges a percentage of assets and focuses on retirement planning.

Page: https://find.wellspent.co/advisors/andrew-cettina/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** OxenFree Financial
- **Based in:** Melbourne, Florida
- **Fee model:** Percentage of assets
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $249.8M across 1,983 accounts
- **Specialties:** Retirement planning
- **Works with:** Retirees, Pre-retirees
- **CRD:** 7939410 (https://adviserinfo.sec.gov/individual/summary/7939410)
- **SEC registration:** Investment adviser representative in FL, TX
- **Exams passed:** Series 65 (2023)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://www.oxenfreefinancial.com

## Frequently asked questions

### Is Andrew Cettina a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Andrew holds no broker registration, and OxenFree Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Andrew charge for financial advice?

Andrew charges a percentage of assets.

### Where is Andrew Cettina based?

Andrew Cettina is based in Melbourne, Florida.

### What does Andrew specialize in?

Andrew's specialties include retirement planning. Andrew works with retirees and pre-retirees.

### Is Andrew Cettina registered with the SEC?

Yes. Andrew Cettina is registered as an investment adviser representative in FL and TX (CRD 7939410), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does OxenFree Financial manage?

OxenFree Financial reports $249.8M across 1,983 accounts in assets under management.

### How do I contact Andrew Cettina?

Through Andrew's website, www.oxenfreefinancial.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/7939410): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://oxenfreefinancial.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.