# Fernando Germana

> Fernando Germana is a fee-only financial advisor at Germana Capital in Miami, Florida. Fernando focuses on small business owners and cross-border (US / Canada). Germana Capital reports charging a percentage of assets, hourly fees and performance-based fees on its Form ADV.

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

## Facts

- **Firm:** Germana Capital
- **Based in:** Miami, Florida
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Performance-based fees
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $7.4M across 18 accounts
- **Specialties:** Small business owners, Cross-border (US / Canada)
- **Works with:** Founders, Executives, Cross-border families, Retirees
- **CRD:** 6786954 (https://adviserinfo.sec.gov/individual/summary/6786954)
- **SEC registration:** Investment adviser representative in FL, TX
- **Exams passed:** Series 66 (2017)
- **Firm size:** 2 employees
- **Disclosures:** None reported
- **Website:** https://germanacapital.com/

## Frequently asked questions

### Is Fernando Germana a fee-only financial advisor?

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

### How does Fernando charge for financial advice?

Fernando's firm, Germana Capital, reports charging a percentage of assets, hourly fees and performance-based fees on its SEC Form ADV.

### Where is Fernando Germana based?

Fernando Germana is based in Miami, Florida.

### What does Fernando specialize in?

Fernando's specialties include small business owners and cross-border (US / Canada). Fernando works with founders, executives, cross-border families and retirees.

### Is Fernando Germana registered with the SEC?

Yes. Fernando Germana is registered as an investment adviser representative in FL and TX (CRD 6786954), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Germana Capital manage?

Germana Capital reports $7.4M across 18 accounts in assets under management.

### How do I contact Fernando Germana?

Through Fernando's website, germanacapital.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6786954): 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://www.germanacapital.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.