# Financial advisors for physicians in Florida > For physicians in Florida, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Andrew Trammell of Trammell Wealth LLC, Hunter Kelly of Palm Valley Wealth Management and Marcus Miller of Mainstay Capital LLC. Page: https://find.wellspent.co/specialties/physicians/florida/ 35 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 as a physician in Florida? For physicians in Florida, talk to a fee-only planner who already serves doctors and knows your stage, from training through practice ownership. Student loans, disability insurance, and contract terms are decisions most generalists rarely see. Records to start with include Andrew Trammell of Trammell Wealth LLC, Hunter Kelly of Palm Valley Wealth Management and Marcus Miller of Mainstay Capital LLC. - [Andrew Trammell](https://find.wellspent.co/advisors/andrew-trammell/), Trammell Wealth LLC, Wellington. Holds the CFP. Fees on file: percentage of assets, ongoing planning fee. - [Hunter Kelly](https://find.wellspent.co/advisors/hunter-kelly/), Palm Valley Wealth Management, Saint Augustine. Holds the CFP. Fees on file: percentage of assets. - [Marcus Miller](https://find.wellspent.co/advisors/marcus-miller/), Mainstay Capital LLC, Lakeland. Holds the CFP. Fees on file: ongoing planning fee, percentage of assets. - [Derek Notman](https://find.wellspent.co/advisors/derek-notman/), Intrepid Wealth Partners, Melbourne Beach. Holds the CFP. Fees on file: percentage of assets. - [Luke Melms](https://find.wellspent.co/advisors/luke-melms/), Firm Foundation Family Wealth, Ft. Lauderdale. Holds the CFP. Fees on file: percentage of assets. - [John West](https://find.wellspent.co/advisors/john-west/), Spraker West Wealth Management, Inc., Winter Park. Holds the CFP. Fees on file: percentage of assets, hourly. ## How many fee-only financial advisors in Florida work with physicians? The Wellspent public graph lists 35 fee-only advisors for physicians in Florida, at 22 firms. We counted every advisor record that lists this work, as of October 2026. ## Where are fee-only advisors for physicians in Florida located? Of the 35 fee-only advisors for physicians in Florida, 7 are in Ponte Vedra, followed by 5 in Palm Beach Gardens and 3 in Tampa. ## How do fee-only advisors for physicians in Florida charge? The most common fee among fee-only advisors for physicians in Florida is a percentage of assets, used by 100% of the 35 with fees on file. Many use more than one: 63% charge fixed fees and 46% 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 physicians have? For physicians, look for the CFP. In Florida, 51% of the 35 advisors listed hold the CFP. - CFP (51% of advisors listed): The CFP covers the insurance and retirement decisions doctors face. ## How do Florida advisors for physicians compare with the rest of the US? 63% of fee-only advisors for physicians in Florida charge fixed fees, compared with 51% of the 691 listed across the US. That's the largest difference in the Wellspent public graph between the two groups. ## Does Florida have a state income tax? No. Florida has no state income tax, so federal tax drives most financial planning for residents. ## What should I ask a financial advisor as a physician in Florida? - How many physicians do you work with, and at what career stage? - How would you approach my loans, including PSLF? - How do you evaluate own-occupation disability coverage? - Do you sell insurance or earn anything from it? - If I've worked in other states, what could I still owe there? ## How current is this list of fee-only advisors for physicians 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 | |---|---|---|---|---| | [Hunter Kelly](https://find.wellspent.co/advisors/hunter-kelly.md) | Palm Valley Wealth Management | Saint Augustine, Florida | CFP | Percentage of assets | | [Marcus Miller](https://find.wellspent.co/advisors/marcus-miller.md) | Mainstay Capital LLC | Lakeland, Florida | CFP | Ongoing planning fee, Percentage of assets, One-time planning fee | | [Jason Richmond](https://find.wellspent.co/advisors/jason-richmond.md) | Pruitt Richmond Wealth Management | Estero, Florida | CFP | Percentage of assets, Ongoing planning fee, One-time planning fee | | [John West](https://find.wellspent.co/advisors/john-west.md) | Spraker West Wealth Management, Inc. | Winter Park, Florida | CFP, MBA | Percentage of assets, Hourly, One-time planning fee | | [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 | | [Andrew Trammell](https://find.wellspent.co/advisors/andrew-trammell.md) | Trammell Wealth LLC | Wellington, Florida | CFP, EA, MSFP, RICP | Percentage of assets, Ongoing planning fee | | [Adam Stoeckler](https://find.wellspent.co/advisors/adam-stoeckler.md) | Highland Investment Advisors | Ponte Vedra, Florida | CFP | Percentage of assets, Fixed fees | | [Beverly Whitman](https://find.wellspent.co/advisors/beverly-whitman.md) | Highland Investment Advisors | Ponte Vedra, Florida | CFP | Percentage of assets, Fixed fees | | [Luke Melms](https://find.wellspent.co/advisors/luke-melms.md) | Firm Foundation Family Wealth | Ft. Lauderdale, Florida | CFP | Percentage of assets | | [Mark Whitman](https://find.wellspent.co/advisors/mark-whitman.md) | Highland Investment Advisors | Ponte Vedra, Florida | CFP | Percentage of assets, Fixed fees | | [Robert Dignan](https://find.wellspent.co/advisors/robert-dignan.md) | Highland Investment Advisors | Ponte Vedra, Florida | CFP | Percentage of assets, Fixed fees | | [Carol Dixon](https://find.wellspent.co/advisors/carol-dixon.md) | Your Planning Partner | Palm Beach Gardens, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Ivan Mendoza](https://find.wellspent.co/advisors/ivan-mendoza.md) | Mendoza Private Wealth | North Miami, Florida | CFP, ChFC, CFA | Percentage of assets, Hourly, Fixed fees | | [John Dewitt](https://find.wellspent.co/advisors/john-dewitt.md) | Lakeshore Advisors | Fort Lauderdale, Florida | CFP | Percentage of assets | | [Adam Drake](https://find.wellspent.co/advisors/adam-drake.md) | Highland Investment Advisors | Ponte Vedra, Florida | CFA | Percentage of assets, Fixed fees | | [George Kiraly](https://find.wellspent.co/advisors/george-kiraly.md) | LodeStar | Naples, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Joseph Fernandez](https://find.wellspent.co/advisors/joseph-fernandez.md) | Invenio Wealth Partners | Coral Gables, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Michael Dixon](https://find.wellspent.co/advisors/michael-dixon.md) | Your Planning Partner | Palm Beach Gardens, Florida | PFS | Percentage of assets, Hourly, Fixed fees | | [Anastasiya Kolodiy](https://find.wellspent.co/advisors/anastasiya-kolodiy.md) | Highland Investment Advisors | Ponte Vedra, Florida | | Percentage of assets, Fixed fees | | [Derek Notman](https://find.wellspent.co/advisors/derek-notman.md) | Intrepid Wealth Partners | Melbourne Beach, Florida | CFP, ChFC | Percentage of assets | | [William Morrison](https://find.wellspent.co/advisors/william-morrison-6192032.md) | Highland Investment Advisors | Ponte Vedra, Florida | | Percentage of assets, Fixed fees | | [Alberto Crespo](https://find.wellspent.co/advisors/alberto-crespo.md) | Crespo Capital | Jacksonville, Florida | | Percentage of assets, Hourly, Fixed fees | | [Daniel Hernandez](https://find.wellspent.co/advisors/daniel-hernandez.md) | Power Financial Partners | Tampa, Florida | CFP | Percentage of assets, Hourly, Fixed fees | | [Joshua Angell](https://find.wellspent.co/advisors/joshua-angell.md) | Poinciana Advisors Group | Palm Beach Gardens, Florida | CFA | Percentage of assets | | [Richard Harris](https://find.wellspent.co/advisors/richard-harris.md) | Aspire Growth Partners | Miromar Lakes, Florida | CFA | Percentage of assets, Hourly, Fixed fees | | [Christina Hudson](https://find.wellspent.co/advisors/christina-hudson.md) | Invenio Wealth Partners | Coral Gables, Florida | | Percentage of assets, Hourly, Fixed fees | | [John Youngs](https://find.wellspent.co/advisors/john-youngs.md) | Tiller Private Wealth | Orlando, Florida | | Percentage of assets, Fixed fees | | [Brynn Albers](https://find.wellspent.co/advisors/brynn-albers.md) | Northbridge Financial Group | Tampa, Florida | | Percentage of assets, Hourly, Fixed fees | | [Matthew Stohlman](https://find.wellspent.co/advisors/matthew-stohlman.md) | Poinciana Advisors Group | Palm Beach Gardens, Florida | | Percentage of assets | | [Mia Vazquez](https://find.wellspent.co/advisors/mia-vazquez.md) | Northbridge Financial Group | Tampa, Florida | | Percentage of assets, Hourly, Fixed fees | | [Robert Williams](https://find.wellspent.co/advisors/robert-williams.md) | Poinciana Advisors Group | Palm Beach Gardens, Florida | | Percentage of assets | | [Robert Arnold](https://find.wellspent.co/advisors/robert-arnold-5033318.md) | Grayton Beach Capital | Miami, Florida | CFA | Percentage of assets, Hourly | | [Lauren Podnos](https://find.wellspent.co/advisors/lauren-podnos.md) | Wealth Care | Merritt Island, Florida | | Percentage of assets, Hourly, Fixed fees | | [Rachel O'Leary](https://find.wellspent.co/advisors/rachel-o-leary.md) | Wealth Care | Merritt Island, Florida | | Percentage of assets, Hourly, Fixed fees | | [Stephen Podnos](https://find.wellspent.co/advisors/stephen-podnos.md) | Wealth Care | Merritt Island, Florida | | Percentage of assets, Hourly, 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).