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Dan Moisand, is a CERTIFIED FINANCIAL PLANNER™ professional and regarded by many as one of America’s top financial advisors. He works from offices in Melbourne and Orlando, Florida. He is a happily married father of two great kids.
Retirees and those approaching retirement will have a hard time finding a firm better equipped to serve them and their families than Moisand Fitzgerald Tamayo and Dan is part of why that is the case. You can get glimpses of his expertise and thought processes by reading some of his writings. For the general public, he currently produces a monthly Q&A for Florida Today and the weekly Q&A as a “Retirementor” for MarketWatch, a personal finance site of the Wall Street Journal. You may access all of his MarketWatch columns through his author page.
The press and the financial planning profession rely on him for answers as well. He is a frequent source to a variety of publications and media and has appeared in Smart Money, NY Times, Wall Street Journal, Forbes, and USA Today among others. He produces columns for the Journal of Financial Planning and Financial Advisor. He has also produced several pieces for Financial Planning, Investment Advisor, and Space Coast Business. He has even been published in Niewuwsbrief financiele planning (Netherlands) and on Network FP (India). He is the only two time winner of the Journal of Financial Planning‘s Call for Papers competition.
He is tapped for his expertise and opinions so often because of the career he has had.
Dan has over 25 years of experience but recognition began in 2002 when he was dubbed a “Future Star” by Financial Advisor magazine and made Worth magazine’s list of the top 250 Advisors in America. In subsequent years, he was named one of the most influential professionals in financial planning in a ”Movers and Shakers” issue of Financial Planning magazine and twice more received similar honors from Investment Advisor and Accounting Today. He has been lauded as one of America’s top financial planners in Financial Advisor, Florida Today, Investment News, Journal of Financial Planning, Research, Solutions, Wealth Manager, and the Wall Street Journal Online.
More recently, for its 15th anniversary issue in June of 2013, Investment News named Dan one of the 15 people that “transformed the business of financial advice”. He was the subject of a “10 Questions” interview in the April 2013 issue of the Journal of Financial Planning and a profile in the November 2012 issue of Financial Planning. The pieces touch on a few of his career highlights, travels, advocacy for the financial planning profession, and expertise in retirement planning.
Moisand’s record as a financial planner and a leader within the financial planning profession made him the subject of a two-page profile in The History of Financial Planning (Wiley & Sons, 2009) and at just 44 years of age, he was mentioned as a notable in the Lifetime Achievement category of Financial Planning magazine’s 2011 Influencer Awards.
All of these accolades stem from the work he has done to increase professionalism among financial planners and the respect peers show him for how he works with clients. From 1999-2001, he served on the CFP Board of Practice Standards, helping to write the standards that apply to CFP licensees in the United States. In 2007, Dan completed five years of service on the national Board of Directors of the Financial Planning Association (FPA), including serving as its President and Chairman. In 2008, he was Chairman of the Discipline and Ethics Commission of the CFP Board, hearing misconduct cases involving CFP licensees and the standards he helped establish.
In May of 2013, he Chaired the task force organizing FPA Retreat in Palm Springs, CA. Retreat is one of Dan’s favorite conferences at which to speak or to attend and is FPA’s premiere meeting for the best and brightest thought leaders in the profession. Dan shares freely with his peers. His friendly style has garnered him speaking engagements to planner groups on five continents. On behalf of FPA, he has led delegations of financial planners to Russia (2008), China (2011), and India (2013).
Through 2016, he will be serve the financial planning profession as a Trustee of the Foundation for Financial Planning which supports pro bono planning programs throughout the US, many of which serve military families.
Dan received his Bachelor of Science in Finance from Florida State University in 1989.
Charlie E. Fitzgerald, III, is a principal and founding member of the firm. Established in 1998, the firm has become one of Central Florida’s premier fee-only financial planning and wealth management companies. With the support of our team of professionals, Charlie provides comprehensive financial planning and wealth management services to high net worth individuals, corporate executives, business owners, retirees, and trustees.
In 2015, Charlie began a four year term as a Board Director for the Certified Financial Planner Board of Standards, Inc. The CFP Board’s mission is to benefit the public by granting the CFP® certification and upholding the CFP® mark as the recognized standard of excellence for competent and ethical personal financial planning. There are over 71,000 CFP® professionals in the U.S. serving an estimated 4 million households.
Charlie has been a CFP® professional since 1992. He graduated with honors from the University of Florida with a Bachelor of Science in Business Administration, majoring in Finance. He has over 30 years of experience in the financial services profession, including 13 years as a business and financial manager for AT&T. His advice has been featured in various media outlets including local television and radio stations, USA Today, Orlando Sentinel, Florida CFO Jeff Atwater’s Florida’s Bottom Line newsletter and magazines such as Investment News, Money, ThinkAdvisor/Wealth Manager, and TD Ameritrade’s Solutions.
In 2009, Charlie received the Financial Planning Association’s prestigious “Heart of Financial Planning Distinguished Service Award” for his work in establishing and leading of the FPA of Florida. During his 10 years of service to the FPA, Charlie served as President three times and Chairman twice. Most notable was his work to advance the goals of the association by advocating for citizens, financial planners and CFP® professionals to Florida’s regulators and elected officials.
Charlie has over 20 years of leadership and civic involvement through his church, community, and profession. Charlie has called Winter Park and Orlando home for nearly 50 years. He and his wife, Lisa, have been married for 27 years and have three adult children.
Ron Tamayo is a principal and founding member of the firm. He specializes in retirement planning, investment management and tax reduction strategies for corporate executives and business owners. He acquired his Certified Financial Planner™ certification in 1994 and has over 25 years of experience in financial planning and tax compliance.
Ron’s expertise in financial planning has been recognized by the Journal of Financial Planning, where he serves on their Editorial Review Board. He also served for two years as a member of the Journal’s Editorial Advisory Board.
Ron is past Chairman and President of the Financial Planning Association of Central Florida and served as an Executive Committee member of the Central Florida Estate Planning Council. He is also a member of the National Association of Personal Financial Advisors, the nation’s leading organization of fee-only com-prehensive financial planning professionals.
Ron’s planning advice has been featured in various national and local media including Smart Money magazine, Florida Trend magazine, Morningstar, Winter Park/Maitland Observer and the Orlando Sentinel. He is also a two time recipient of the Five Star Wealth Manager Award.
Ron earned a Bachelor of Science degree in Accounting from Orlando College and was an Adjunct Instructor of Financial Planning and Investments at the University of Central Florida. He is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving him unlimited practice rights representing taxpayers before the IRS.
Derrick Chandler is a CERTIFIED FINANCIAL PLANNER™ professional who has been with the firm since 2002 and oversees our Financial Planning Department. His clients are retirees, business owners, and young professionals who are building their financial portfolios and wish to secure their cash flow, minimize taxes, develop a financial plan/retirement model and have their investments professionally managed.
Derrick’s expertise lies in the areas of designing complex financial plans and retirement models. These scenarios include tax projections, portfolio performance, cash flow analysis, long term care needs analysis, and determining sustainable withdrawal rates for client portfolios. He also works with our business clients in the design of their 401(k) plans and monitors the allocation of the investments.
Derrick is an active member of the Central Florida chapter of Financial Planning Association where he has participated on the “Financial Planning Hotline” for several years. His planning advice has been featured often in the Orlando Sentinel’s “Ask an Expert” column.
Derrick earned a Bachelor of Science degree in Finance from the University of Central Florida, where he also completed their rigorous Financial Planning Certificate Program.
Lynne Strynchuk has been providing financial planning and investment analysis to professionals, executives, business owners, retirees, widows and widowers, and trustees for almost twenty years. She utilizes her experience with an emphasis on investment research and comprehensive financial planning.
Lynne has been quoted in various media outlets, including the New York Times, Money.CNN.com, nextavenue.org, Financial Planning magazine, and the Orlando Sentinel.She has also given presentations to various organizations.
In 2012 and again in 2013, Lynne was given the distinction of serving as one of only twelve subject matter experts to review and refine potential questions for a recent CERTIFIED FINANCIAL PLANNER™ Certification exam. This exam has a typical pass rate of 55%.
Lynne holds an MBA degree from Duke University and a Bachelor of Science degree from Auburn University. She began working in the investment industry in 1990 while attending graduate school. Lynne is a former stock analyst for a major regional brokerage firm, and served as the resident financial and investment planner for the Space Coast’s largest local CPA firm for ten years. She acquired her CERTIFIED FINANCIAL PLANNER™ designation in 2002 and also holds the Certified Divorce Financial Analyst™ designation. Lynne is a Board Member of the Community Foundation of Brevard, the Brevard County Estate Planning Council, and the American Cancer Society’s Brevard County unit.
Mike Salmon is a CERTIFIED FINANCIAL PLANNER™ professional who has been with the firm since 2007. Mike’s expertise lies in the areas of investment portfolio construction and designing comprehensive financial plans. These plans include cash flow analysis, long term care and life insurance needs analysis, and determining sustainable withdrawal rates for client portfolios. Mike also assists with year-end tax projections and tax preparation of individual tax returns and has earned the Registered Tax Return Preparer (RTRP) status through the Internal Revenue Service.
Mike is an active member of the Central Florida chapter of Financial Planning Association, where he has participated in the “Financial Planning Hotline” for several years. His planning advice has been featured often in the Orlando Sentinel’s “Ask an Expert” column.
Mike earned a Bachelor of Science degree in Financial Counseling and Planning from Purdue University. He is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving him unlimited practice rights representing taxpayers before the IRS.
Pam has been with the firm since 2007. She assists Charlie Fitzgerald’s clients with a variety of account services such as new accounts, transfers, 401(k) rollovers, beneficiary changes and account title changes. Pam also coordinates with planners to process and maintain clients’ cash needs. She works closely with the other Client Service Managers and partners to assure all client needs are met. Pam graduated with honors from the University of Central Florida in 1986.
Yutanna has been with the firm since 2006. She assists Ron Tamayo’s clients with a variety of account services such as new accounts, transfers, 401(k) rollovers, beneficiary changes and tax return preparation. Yutanna also coordinates with planners to process and maintain clients’ cash needs. She works closely with the other Client Service Managers and partners to assure all client needs are met. Yutanna graduated with honors from Marshall University in 1986.
Tracy has been with the firm since 2007 and assists our Melbourne area advisors, Dan Moisand and Lynne Strynchuk with a variety of tasks. Tracy has a fierce commitment to our clients. She assists with a variety of client account services such as new accounts, transfers, rollovers, beneficiary changes, address changes, account title changes, coordinating with estate planning attorney offices and CPA’s, and other administrative details that will ease a client’s financial life. She also works closely with the other Client Service Managers and partners in Orlando to assure that all of our clients needs are met.
Due to her ability to seek out better methods and interfaces for a given client, Tracy was selected from financial planning firms across the nation to serve on the TD Ameritrade Institutional Operations Panel. The panel advises TD Ameritrade on ways it can better meet the needs of independent advisory firms.
Tommy works as a Financial Analyst Associate. He recently graduated from the University of Central Florida with a Bachelor’s degree in Finance. He assists the Financial Planning Department with posting daily downloads, setting up client portals, running client reports and advanced searches within our client management software as well as assisting with the quarterly reports and billing processes. He is currently working on receiving his Enrolled Agent designation from the IRS, and will enroll in UCF’s Certified Financial PlannerTM Certification Education Program starting in early 2016.
Dave graduated from the University of Central Florida with a Bachelor’s of Science in Finance in May of 2013 and has been with our firm since January of 2014. Dave handles the postings of our daily downloads as well as the updating of new account information. Dave works closely with the financial planning department to manage account information and handles the execution of day to day trading in client accounts as needed. He also manages the daily custodian reconciliation reports and trade blotters to ensure that all accounts contain accurate and up-to-date information.
Dave recently earned the professional designation of Accredited Portfolio Management Advisor (APMA®) from the College of Financial Planning.