ChFC financial advisors in Florida
How do I find fee-only advisors who hold the ChFC in Florida?
In Florida, look for a fee-only advisor who holds the ChFC, a planning designation from The American College. It covers much the same ground as the CFP. Records to start with include Desiree Kaul of Kaul Financial Solutions, Brian Sirota of FirsTrust and Jonathan Davis of One Day Wealth Management.
Where to start
Chosen from what each record shows: credentials and fees on file, one advisor per firm.
- Desiree Kaul Kaul Financial Solutions, Satellite Beach Holds the CFP and EA. Fees on file: subscription, one-time planning fee.
- Brian Sirota FirsTrust, Daytona Beach Holds the CFP and CFA. Fees on file: percentage of assets.
- Jonathan Davis One Day Wealth Management, Ocala Holds the CFP and CFA. Fees on file: percentage of assets.
- Ivan Mendoza Mendoza Private Wealth, North Miami Holds the CFP and CFA. Fees on file: percentage of assets, hourly.
- Marty O'Leary Stadium Financial LLC, Orlando Holds the CFP. Fees on file: percentage of assets, ongoing planning fee.
- Melissa Montalvo Atticus Wealth Management, Palm Beach Gardens Holds the CFP. Fees on file: percentage of assets.
By the numbers
- Advisors listed
- 48
- Firms
- 46
- Cities
- 36
- Hold the CFP
- 67%
- Other credentials: CFA 6% · EA 2% · ChFC 100%
- How they charge (of 47 with fees on file): percentage of assets 89% · fixed fees 64% · hourly 60% · one-time planning fee 13%
Source: Wellspent public graph, data as of . Shares are of advisors listed here; an advisor can hold several credentials or fee types. Methodology
ChFC financial advisors by state
Questions about chFC financial advisors
How many fee-only advisors who hold the ChFC in Florida are there?
The Wellspent public graph lists 48 fee-only advisors who hold the ChFC in Florida, at 46 firms. We counted every advisor record that fits, as of October 2026.
Where are fee-only advisors who hold the ChFC in Florida located?
Of the 48 fee-only advisors who hold the ChFC in Florida, 3 are in Bradenton, followed by 3 in Tampa and 2 in Daytona Beach.
How do fee-only advisors who hold the ChFC in Florida charge?
The most common fee among fee-only advisors who hold the ChFC in Florida is a percentage of assets, used by 89% of the 47 with fees on file. Many use more than one: 64% charge fixed fees and 60% charge by the hour.
How many fee-only advisors who hold the ChFC in Florida hold the CFP?
67% of the 48 fee-only advisors who hold the ChFC in Florida hold the CFP certification, based on the credentials listed on each record.
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.
How does Wellspent decide who counts as fee-only advisors who hold the ChFC?
We count an advisor here when their record lists the ChFC.
What should I ask fee-only advisors who hold the ChFC in Florida?
What areas does your planning cover? Do you hold other credentials? Do you earn anything from selling insurance? How do you charge?
How current is this list of fee-only advisors who hold the ChFC 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 48 advisors
| Advisor | Firm | City | Credentials | Fees |
|---|---|---|---|---|
| Brian Sirota | FirsTrust | Daytona Beach | CFP, ChFC, MBA, CFA | Percentage of assets |
| Desiree Kaul Tax preparation and financial planning that reflects each client's values, from a planner with years of counseling and teaching experience. | Kaul Financial Solutions | Satellite Beach | CFP, ChFC, EA | Subscription, One-time planning fee |
| Marty O'Leary | Stadium Financial LLC | Orlando | CFP, ChFC | Percentage of assets, Ongoing planning fee |
| Sean Gerlin | Envision Financial Services & Asset Management | Maitland | CFP, ChFC, CPWA, CLU | Percentage of assets, Fixed fees |
| 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 |
| Mike Noce | Olsen Family Financial, LLC | Saint Petersburg | CFP, ChFC | Flat fee or retainer, Hourly |
| Rebecca Noss | Healthy Wealth | Niceville | CFP, ChFC | Hourly, Ongoing planning fee |
| Matthew McGahey | Steadfast Financial Services | Altamonte Springs | CFP, ChFC | Percentage of assets, Ongoing planning fee |
| Ivan Mendoza | Mendoza Private Wealth | North Miami | CFP, ChFC, CFA | Percentage of assets, Hourly |
| Melissa Montalvo | Atticus Wealth Management | Palm Beach Gardens | CFP, ChFC | Percentage of assets |
| Charles Kerwood | Waller Financial Planning Group | Naples | CFP, ChFC | Percentage of assets, Hourly |
| Derek Notman | Intrepid Wealth Partners | Melbourne Beach | CFP, ChFC | Percentage of assets |
| Geoffrey Frazier | Global Financial Private Client | Sarasota | CFP, ChFC | Percentage of assets, Hourly |
| Jonathan Davis | One Day Wealth Management | Ocala | CFP, ChFC, CFA | Percentage of assets |
| Thomas Knightly | American Family Legacy Group | Clearwater | CFP, ChFC | Percentage of assets, Hourly |
| Christopher Connett | Professional Advisory Services | Vero Beach | ChFC | Percentage of assets |
| Jordan Bieber | Professional Advisory Services | Vero Beach | ChFC | Percentage of assets |
| Marshall Gilman | Onyx Bridge Wealth Group | Port St. Lucie | ChFC | Percentage of assets, Hourly |
| Dave Fowler | High Mountain Financial Coaching LLC | Fort Myers | CFP, ChFC | Not listed |
| David Lewinter | Lewinter Wealth Advisors | Boynton Beach | ChFC | Percentage of assets, One-time planning fee |
| Gregory Brodeur | Alpha Zero | Boca Raton | CFP, ChFC | Percentage of assets, Fixed fees |
| John Shea | Genesis Wealth Management, Inc | Palm Beach Gardens | CASL, CFP, ChFC, CLU | Percentage of assets, Hourly |
| Joseph Williams | Coquina Private Wealth Advisors | Boca Raton | CFP, ChFC | Percentage of assets, Fixed fees |
| Tracy Burke | Conrad Siegel Investment Advisors, Inc. | Naples | CFP, ChFC | Percentage of assets, Hourly |
| William Hazlett | WH Financial | Stuart | ChFC | Fixed fees |
| Tim Smith | API Financial Advisors | Rockledge | ChFC | Percentage of assets, Hourly |
| Tommy Lewis | FIRST Financial Group | North Palm Beach | ChFC | Percentage of assets, Hourly |
| Andrew Allen | Instrumental Wealth | Tampa | CFP, ChFC | Percentage of assets, Fixed fees |
| Elayne Pisarik | Firstrust | Daytona Beach | CFP, ChFC | Percentage of assets, Fixed fees |
| Gregory Bitz | WBH Advisory | Surfside | CFP, ChFC | Percentage of assets, Hourly |
| John McCarthy | John T. Mccarthy | Long Boat Key | CFP, ChFC | Percentage of assets, Fixed fees |
| Juan Hanuszkiewicz | Entelevest | Coral Gables | CFP, ChFC | Percentage of assets, Hourly |
| Keith Downey | Stronghold Wealth Management | Tampa | CFP, ChFC | Percentage of assets |
| Kristof Lewicki | Kris Lewicki & Associates | Coral Springs | CFP, ChFC | Percentage of assets, Hourly |
| Lantz Martin | Nesteggs | Tampa | CFP, ChFC | Percentage of assets, Hourly |
| Thomas Ruggie | Destiny Wealth Partners | Tavares | CFP, ChFC | Percentage of assets, Hourly |
| William Carambelas | Alpha Omega Financial | Bradenton | CFP, ChFC | Percentage of assets, Fixed fees |
| William Palmer | Allegiance Wealth Management | Orlando | CFP, ChFC, PFS | Percentage of assets, Hourly |
| Donald White | Collaborative Wealth | Stuart | ChFC | Percentage of assets, Hourly |
| George Rariden | Rariden Investment Advisors | Oviedo | ChFC | Percentage of assets, Hourly |
| Louis Shinaman | Destiny Wealth Partners | Tavares | ChFC | Percentage of assets, Hourly |
| Michael Noce | Olsen Family Financial | St. Petersburg | ChFC | Percentage of assets, Hourly |
| Robert Braglia | American Financial & Tax Strategies | Fort Lauderdale | ChFC | Percentage of assets, Hourly |
| Sean Pendray | Merited Wealth | North Bay Village | ChFC | Percentage of assets, Hourly |
| Thavaselan Subramaniam | Turner Financial Group | Pace | ChFC | Percentage of assets, Hourly |
| Tiffany King | Symphony Financial Team | Lake Mary | ChFC | Hourly, Fixed fees |
| Tonia Peasley | C.L. Sheldon & Company | Saint Augustine | ChFC | Hourly, Fixed fees |
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