# Financial advisors for mid-life transitions in Florida > For mid-life transitions in Florida, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Deana Brown of Contemporary Financial Planning, Amy Riddell of AFT Financial Planning and Thomas Balcom of 1650 Wealth Management. Page: https://find.wellspent.co/audiences/mid-life-transitions/florida/ 34 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. ## Which financial advisor should I talk to during a mid-life transition in Florida? For mid-life transitions in Florida, talk to a fee-only planner who slows you down before a big decision. A career change, a death, or a sudden inheritance rarely needs action in the first weeks, and a good planner will say so. Records to start with include Deana Brown of Contemporary Financial Planning, Amy Riddell of AFT Financial Planning and Thomas Balcom of 1650 Wealth Management. - [Deana Brown](https://find.wellspent.co/advisors/deana-brown/), Contemporary Financial Planning, Jacksonville. Holds the CFP and CDFA. Fees on file: ongoing planning fee. - [Amy Riddell](https://find.wellspent.co/advisors/amy-riddell/), AFT Financial Planning, Tampa. Holds the CFP. Fees on file: hourly, one-time planning fee. - [Thomas Balcom](https://find.wellspent.co/advisors/thomas-balcom/), 1650 Wealth Management, Lighthouse Point. Holds the CFP. Fees on file: percentage of assets. - [Douglas Marcello](https://find.wellspent.co/advisors/douglas-marcello/), Core Wealth Management, Inc., Jupiter. Holds the CFP. Fees on file: flat fee or retainer, hourly. - [Maria Erickson](https://find.wellspent.co/advisors/maria-erickson/), Freedom Financial & Business Planning, Saint Petersburg. Holds the CFP. Fees on file: hourly, flat fee or retainer. - [Otto Rivera](https://find.wellspent.co/advisors/otto-rivera/), Mindful Wealth LLC, St Louis. Holds the CFP. Fees on file: ongoing planning fee, percentage of assets. ## How many fee-only financial advisors in Florida work with mid-life transitions? The Wellspent public graph lists 34 fee-only advisors for mid-life transitions in Florida, at 15 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for mid-life transitions in Florida located? Of the 34 fee-only advisors for mid-life transitions in Florida, 11 are in Lakeland, followed by 7 in Boca Raton and 3 in Fort Myers. ## How do fee-only advisors for mid-life transitions in Florida charge? The most common fee among fee-only advisors for mid-life transitions in Florida is a percentage of assets, used by 88% of the 34 with fees on file. Many use more than one: 71% charge fixed fees and 47% charge by the hour. ## How much do fee-only financial advisors charge in Florida? Fee-only financial advisors in Florida charge a median of $4,200 a year for ongoing planning. We found this across the published prices of 48 Florida firms. ## How much does a one-time financial plan cost in Florida? A one-time financial plan from a fee-only firm in Florida has a median price of $2,500. We found this across the published prices of 43 Florida firms. ## What credentials should a financial advisor for mid-life transitions have? For mid-life transitions, look for the CFP and CDFA. In Florida, 44% of the 34 advisors listed hold the CFP. - CFP (44% of advisors listed): The CFP covers the whole picture while it's changing. - CDFA (3% of advisors listed): The CDFA helps if divorce is part of the change. ## How do Florida advisors for mid-life transitions compare with the rest of the US? 71% of fee-only advisors for mid-life transitions in Florida charge fixed fees, compared with 43% of the 518 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## What should I ask a financial advisor during a mid-life transition in Florida? - What should I not do in the next six months? - How would you test whether I can afford this change? - How do you work with people going through a hard time? - What can you do for a one-time fee? ## How current is this list of fee-only advisors for mid-life transitions in Florida? Wellspent last checked these records against SEC records in October 2026 and firm websites in October 2026. Each advisor's page shows the date for that record. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Otto Rivera](https://find.wellspent.co/advisors/otto-rivera.md) | Mindful Wealth LLC | St Louis, Florida | CFP, EA | Ongoing planning fee, Percentage of assets, One-time planning fee | | [Demel Gonzalez](https://find.wellspent.co/advisors/demel-gonzalez.md) | Heartwood Financial Services | Sanford, Florida | CFP | Percentage of assets, One-time planning fee | | [Douglas Marcello](https://find.wellspent.co/advisors/douglas-marcello.md) | Core Wealth Management, Inc. | Jupiter, Florida | CFP | Flat fee or retainer, Hourly, Percentage of assets | | [Amy Riddell](https://find.wellspent.co/advisors/amy-riddell.md) | AFT Financial Planning | Tampa, Florida | CFA, CFP | Hourly, One-time planning fee, Ongoing planning fee | | [Deana Brown](https://find.wellspent.co/advisors/deana-brown.md) | Contemporary Financial Planning | Jacksonville, Florida | CFP, CDFA | Ongoing planning fee | | [Christopher Dale](https://find.wellspent.co/advisors/christopher-dale.md) | Life After Grief, LLC | Orlando, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Maria Erickson](https://find.wellspent.co/advisors/maria-erickson.md) | Freedom Financial & Business Planning | Saint Petersburg, Florida | CFP | Hourly, Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Pamela Bergeson](https://find.wellspent.co/advisors/pamela-bergeson.md) | Tailwind Financial Planning | Madeira Beach, Florida | CFP | Ongoing planning fee, One-time planning fee | | [Abraham Amador-Lindner](https://find.wellspent.co/advisors/abraham-amador-lindner.md) | Noesis Capital Management | Boca Raton, Florida | CFP | Percentage of assets, Fixed fees | | [Benjamin Greenman](https://find.wellspent.co/advisors/benjamin-greenman.md) | CORE Wealth Advisors | Lakeland, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Cheryl Deknatel](https://find.wellspent.co/advisors/cheryl-deknatel.md) | Noesis Capital Management | Boca Raton, Florida | CFP | Percentage of assets, Fixed fees | | [Michael Ehlenbeck](https://find.wellspent.co/advisors/michael-ehlenbeck.md) | CORE Wealth Advisors | Lakeland, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Nathan Dunham](https://find.wellspent.co/advisors/nathan-dunham.md) | CORE Wealth Advisors | Lakeland, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Nicolaas Letschert](https://find.wellspent.co/advisors/nicolaas-letschert.md) | Noesis Capital Management | Boca Raton, Florida | CFP | Percentage of assets, Fixed fees | | [Christian Paterok](https://find.wellspent.co/advisors/christian-paterok.md) | Noesis Capital Management | Boca Raton, Florida | CFA | Percentage of assets, Fixed fees | | [Derek Stross](https://find.wellspent.co/advisors/derek-stross.md) | CORE Wealth Advisors | Lakeland, Florida | PFS | Percentage of assets, Hourly, Fixed fees | | [Dianne Hively](https://find.wellspent.co/advisors/dianne-hively.md) | Hivest Financial | Tampa, Florida | | Percentage of assets, Hourly | | [Laleeta Hill](https://find.wellspent.co/advisors/laleeta-hill.md) | Noesis Capital Management | Boca Raton, Florida | CFA | Percentage of assets, Fixed fees | | [Michael Scott](https://find.wellspent.co/advisors/michael-scott.md) | CORE Wealth Advisors | Lakeland, Florida | CFA | Percentage of assets, Hourly, Fixed fees | | [Thomas Balcom](https://find.wellspent.co/advisors/thomas-balcom.md) | 1650 Wealth Management | Lighthouse Point, Florida | CFP | Percentage of assets | | [Adam Daniels](https://find.wellspent.co/advisors/adam-daniels.md) | Waterstone Financial Advisory | Fort Myers, Florida | | Percentage of assets, Fixed fees | | [Andrew Foss](https://find.wellspent.co/advisors/andrew-foss.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [Bernard Katz](https://find.wellspent.co/advisors/bernard-katz.md) | Wealth Effects | Boynton Beach, Florida | | Percentage of assets | | [Charles Foss](https://find.wellspent.co/advisors/charles-foss.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [Haley Tonge](https://find.wellspent.co/advisors/haley-tonge.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [Heath Clevenger](https://find.wellspent.co/advisors/heath-clevenger.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [James Gallagher](https://find.wellspent.co/advisors/james-gallagher.md) | Waterstone Financial Advisory | Fort Myers, Florida | | Percentage of assets, Fixed fees | | [Kenneth Moore](https://find.wellspent.co/advisors/kenneth-moore.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [Paul Weaver](https://find.wellspent.co/advisors/paul-weaver.md) | CORE Wealth Advisors | Lakeland, Florida | | Percentage of assets, Hourly, Fixed fees | | [Phillip McGrath](https://find.wellspent.co/advisors/phillip-mcgrath.md) | Waterstone Financial Advisory | Fort Myers, Florida | | Percentage of assets, Fixed fees | | [Shihfang Chuang](https://find.wellspent.co/advisors/shihfang-chuang.md) | Noesis Capital Management | Boca Raton, Florida | | Percentage of assets, Fixed fees | | [Simon Kasbari](https://find.wellspent.co/advisors/simon-kasbari.md) | Noesis Capital Management | Boca Raton, Florida | | Percentage of assets, Fixed fees | | [Michelle Rey Lutein](https://find.wellspent.co/advisors/michelle-rey-lutein.md) | Resnick Wealth Alliance | Palm Beach Gardens, Florida | | Percentage of assets, Fixed fees | | [Monte Resnick](https://find.wellspent.co/advisors/monte-resnick.md) | Resnick Wealth Alliance | Palm Beach Gardens, Florida | | Percentage of assets, Fixed fees | ## Related - [Retirement planning in Florida](https://find.wellspent.co/specialties/retirement-planning/florida.md) - [Estate planning in Florida](https://find.wellspent.co/specialties/estate-planning/florida.md) - [Tax planning in Florida](https://find.wellspent.co/specialties/tax-planning/florida.md) - [Retirees in Florida](https://find.wellspent.co/audiences/retirees/florida.md) - [Family wealth transfer in Florida](https://find.wellspent.co/specialties/family-wealth-transfer/florida.md) - [Small business owners in Florida](https://find.wellspent.co/specialties/small-business-owners/florida.md) ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).