# Garth Moreau

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

Page: https://find.wellspent.co/advisors/garth-moreau/
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:** 5480972 (https://adviserinfo.sec.gov/individual/summary/5480972)
- **SEC registration:** Investment adviser representative in FL
- **Exams passed:** Series 66 (2008)
- **Firm size:** 8 employees
- **Disclosures:** None reported
- **Website:** https://www.oxenfreefinancial.com

## Frequently asked questions

### Is Garth Moreau a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Garth 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 Garth charge for financial advice?

Garth charges a percentage of assets.

### Where is Garth Moreau based?

Garth Moreau is based in Melbourne, Florida.

### What does Garth specialize in?

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

### Is Garth Moreau registered with the SEC?

Yes. Garth Moreau is registered as an investment adviser representative in FL (CRD 5480972), 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 Garth Moreau?

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

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/5480972): 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.