Financial advisors for people close to retirement in Florida
Which financial advisor should I talk to if you're close to retirement in Florida?
For people close to retirement in Florida, talk to a fee-only planner five to ten years before you stop working, while there's still time to change things. Look for someone who tests your retirement date and shows you what would have to be true for it to work. Records to start with include Andrew Trammell of Trammell Wealth LLC, Steven Clark of Clark Financial Planning Services LLC and Jorge Soriano of Financial Optimist LLC.
Where to start
Chosen from what each record shows: credentials that fit this work and fees on file, one advisor per firm.
- Andrew Trammell Trammell Wealth LLC, Wellington Holds the CFP, RICP and EA. Fees on file: percentage of assets, ongoing planning fee.
- Steven Clark Clark Financial Planning Services LLC, Coconut Creek Holds the CFP, RICP and EA. Fees on file: flat fee or retainer, ongoing planning fee.
- Jorge Soriano Financial Optimist LLC, Saint Petersburg Holds the CFP and EA. Fees on file: subscription, one-time planning fee.
- Erin O'Brien Purposeful Money LLC, Naples Holds the CFP and EA. Fees on file: percentage of assets, ongoing planning fee.
- DJ Hunt Moisand Fitzgerald Tamayo, LLC, Jacksonville Holds the CFP and EA. Fees on file: percentage of assets, ongoing planning fee.
- Kevin Burkle HCP Wealth Planning, LLC, Jacksonville Holds the CFP. Fees on file: one-time planning fee.
How many fee-only financial advisors in Florida work with people close to retirement?
The Wellspent public graph lists 159 fee-only advisors for people close to retirement in Florida, at 91 firms. We counted every advisor record that lists this work, as of October 2026.
Where are fee-only advisors for people close to retirement in Florida located?
Of the 159 fee-only advisors for people close to retirement in Florida, 11 are in Tampa, followed by 11 in Lakeland and 8 in Sarasota.
Plus 113 in other cities.
How do fee-only advisors for people close to retirement in Florida charge?
The most common fee among fee-only advisors for people close to retirement in Florida is a percentage of assets, used by 87% of the 159 with fees on file. Many use more than one: 39% charge fixed fees and 36% 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 people close to retirement have?
For people close to retirement, look for the CFP, RICP and EA. In Florida, 44% of the 159 advisors listed hold the CFP.
- CFP44% in Florida
- The CFP covers the whole transition.
- RICP1% in Florida
- The RICP focuses on turning savings into income.
- EA3% in Florida
- Enrolled agents help with the low-tax years before Social Security.
How do Florida advisors for people close to retirement compare with the rest of the US?
44% of fee-only advisors for people close to retirement in Florida hold the CFP, compared with 52% of the 2,969 listed across the US. That's the largest difference in the Wellspent public graph between the two groups.
Dark bars are Florida. Light bars are all US advisors for people close to retirement.
Does Florida tax retirement income?
No. Florida has no state income tax, so retirement account withdrawals and pensions aren't taxed at the state level.
What should I ask a financial advisor if you're close to retirement in Florida?
- Can I retire when I want to, and what would change your answer?
- How should my investments change in the years before I stop working?
- How do I cover health insurance before Medicare?
- What should I do with my 401(k) when I leave?
- Would you plan differently if I might move to another state in retirement?
How current is this list of fee-only advisors for people close to retirement 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.
All 159 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Jorge Soriano Financial and tax planning for young families and professionals focused on early retirement, with no age or asset minimums. | Financial Optimist LLC | Saint Petersburg | CFP, EA | Subscription, One-time planning fee |
| Alex Ammar Advice-only planning for people aiming to become financially independent and retire early within 10 years, with education built in. | Paradox Financial LLC | Montverde | CFP | One-time planning fee, Hourly |
| Chris Diodato WELLth is a flat fee, fiduciary financial planner located in Palm Beach Gardens, Florida and serving clients nationally | WELLth Financial Planning | Palm Beach Gardens | CFP, CFA | Flat fee or retainer |
| Hunter Kelly | Palm Valley Wealth Management | Saint Augustine | CFP | Percentage of assets |
| Keith Hensley Clear, actionable plans for pre-retirees and retirees, offered through an ongoing flat-fee relationship or a one-time project. | Florida Financial Planning | Winter Garden | CFP | Subscription, One-time planning fee |
| Chris Shoup | Southshore Financial Planning | Tampa | CFP | Flat fee or retainer, Ongoing planning fee |
| Jeffrey Schlotterbeck Water Street Wealth Management is an independent financial advisory firm providing personalized financial planning, investment management, tax strategies, and estate planning for individuals, families, and businesses. | Water Street Wealth Management | Tampa | CFP | Percentage of assets |
| Jordan Drinkhouse | Glow Financial Planning LLC | Spring Hill | CFP | Flat fee or retainer, Ongoing planning fee |
| Kevin Burkle Flat-fee, one-time early retirement plans for people who want to keep control of their investments, with ongoing software access. | HCP Wealth Planning, LLC | Jacksonville | CFP | One-time planning fee |
| Kyle Newell | Newell Wealth Management | Winter Garden | CFP, CRPC | Percentage of assets, One-time planning fee |
| Leo Lavezza | Financial Consulate, Inc. | Fernandina Beach | CFP, CPA, MBA, CIMA | Ongoing planning fee |
| Angela Wetzig | Sage Wealth Consulting, LLC | Sarasota | CFP | Percentage of assets |
| Demel Gonzalez | Heartwood Financial Services | Sanford | CFP | Percentage of assets, One-time planning fee |
| DJ Hunt | Moisand Fitzgerald Tamayo, LLC | Jacksonville | CFP, CPA, EA | Percentage of assets, Ongoing planning fee |
| Douglas Marcello | Core Wealth Management, Inc. | Jupiter | CFP | Flat fee or retainer, Hourly |
| Jake Skelhorn Tax-smart financial advice for high-earners and pre-retirees | Spark Wealth Advisors | Jacksonville | CFP | Percentage of assets, Flat fee or retainer |
| Steven Clark | Clark Financial Planning Services LLC | Coconut Creek | CFP, EA, RICP | Flat fee or retainer, Ongoing planning fee |
| Andrew Trammell | Trammell Wealth LLC | Wellington | CFP, EA, MSFP, RICP | Percentage of assets, Ongoing planning fee |
| C Garrett Moore | C Garrett Moore, CFP® | Bradenton | CFP, ChFC | Percentage of assets, Fixed fees |
| Garrett Moore | Moore Financial Management, Inc. | Bradenton | CFP, ChFC | Percentage of assets, Fixed fees |
| James Estep Iii | Everest Financial Advisors | Cooper City | CFP | Percentage of assets, Hourly |
| Leo Nunez | Everest Financial Advisors | Cooper City | CFP | Percentage of assets, Hourly |
| Erin O'Brien | Purposeful Money LLC | Naples | CFP, EA | Percentage of assets, Ongoing planning fee |
| Cayden McLaughlin Helping 7-Figure Internet Entrepreneurs & Creators Build Wealth, Pay Less Tax, and Retire Early | WealthAdvisor365 | Fort Lauderdale | CFP | One-time planning fee, Subscription |
| Adam Gruber | AMG Wealth Management | Land O Lakes | CFP | Percentage of assets, Ongoing planning fee |
| Bennett Stein | Stein Financial LLC | Miramar Beach | CFP, CPA | Percentage of assets |
| Jacob Bartel | Birchcreek Wealth Management | Jacksonville | CFP | Percentage of assets, Flat fee or retainer |
| Jordan Talbert | Creative Wealth Management | Punta Gorda | CFP | Percentage of assets, Ongoing planning fee |
| Matthew Barrovecchio | Christian Financial Advisors® | Odessa | CFP | Percentage of assets |
| Nicholas Maratta | Occidental Asset Management | Winter Springs | CFP | Ongoing planning fee |
| Tristan Jacobi | Creative Wealth Management | Punta Gorda | CFP | Percentage of assets, Ongoing planning fee |
| Adam Stoeckler | Highland Investment Advisors | Ponte Vedra | CFP | Percentage of assets, Fixed fees |
| Beverly Whitman | Highland Investment Advisors | Ponte Vedra | CFP | Percentage of assets, Fixed fees |
| Luke Melms We specialize in helping high-net-worth families build a customized Firm Foundation Wealth Strategy™ | Firm Foundation Family Wealth | Ft. Lauderdale | CFP | Percentage of assets |
| Maria Erickson | Freedom Financial & Business Planning | Saint Petersburg | CFP | Hourly, Flat fee or retainer |
| Mark Whitman | Highland Investment Advisors | Ponte Vedra | CFP | Percentage of assets, Fixed fees |
| Robert Dignan | Highland Investment Advisors | Ponte Vedra | CFP | Percentage of assets, Fixed fees |
| Ross Cutler We aim to be readily available to clients at all times. | King Tide Advisors | Stuart | CFP | Hourly, One-time planning fee |
| Tom LeClaire | Caliber Wealth Advisory | Tampa | CFP | Percentage of assets, Fixed fees |
| James Belliston | Tanara Wealth Management | St. Augustine | CFP | Percentage of assets, Hourly |
| James Moore | Campbell Financial Partners | Bradenton | CFP | Percentage of assets, One-time planning fee |
| Jordi Bakovic-Quiroga | TQM Wealth Partners | St. Augustine | CFP | Percentage of assets, Hourly |
| Randy Kurtz | Upper Left Wealth Management | Tampa | CFP | Percentage of assets |
| Thomas Gruber | AMG Wealth Management | Land O Lakes | PFS | Percentage of assets, Ongoing planning fee |
| Adam Drake | Highland Investment Advisors | Ponte Vedra | CFA | Percentage of assets, Fixed fees |
| Brian Rezny | Rezny Wealth Management | Fort Myers | CFP | Percentage of assets |
| Genevieve George | Pelican Financial Planning & Wealth | Jupiter | CFP | Percentage of assets, Fixed fees |
| George Kiraly | LodeStar | Naples | CFP | Percentage of assets, Hourly |
| John Cunningham | Reality Financial Planning Services | Sarasota | CFP | Percentage of assets, Hourly |
| Jose Martin | LifeCraft Wealth | Sunrise | CFP | Percentage of assets |
Want a shorter list for people close to retirement?
Tell us what you need and we'll narrow Florida's 159 advisors to the few who fit.
Get matched in 2 minutes