Tailored Financial Planning that Reduces Complexity and Increases Clarity
Moisand Fitzgerald Tamayo is a fee-only wealth management firm serving retired and near-retired individuals and families across the United States – virtually and from our offices in Florida and Texas – through financial planning, tax advice, and investment management.
A Sanctuary From the Noise®
We’re confronted by news, ads, and “must-haves” 24/7.
With so much noise to filter through, it can feel impossible to
find the approach that’s actually right for you.
We know that your time is valuable, so our mission is to
help you cut through the noise so you feel confident and
secure with your financial future.
Develop a Clear Financial Vision For the Present & Future
Reach that vision by delegating the most important work to a dedicated team
Real financial planning is an ongoing process to keep your finances in the best shape possible by looking at it from all angles and focusing on your goals.
From real tax advice (not just mere tax planning) to investment management and retirement planning or saving for college, your team at Moisand Fitzgerald Tamayo LLC will ensure you have everything you need to get and stay organized.
Mid-Career Families
You’ve successfully built a career and a family, but need help determining how to plan for the future.
Approaching Retirement
The finish line is in sight. We’ll help you take a step back and get everything sorted for a smoother transition into retirement.
Already Retired
Personal finances can be more complex in retirement than ever before. We’ll make sure you’re still on track to enjoy whatever comes next.
Who We Are
You’ve worked diligently to earn & save your money.
We’re here to protect it and help you grow.
Truly Comprehensive Advisors
We don’t just talk about the details. In addition to investment management, we incorporate tax, estate, cash flow planning, and more into your overall financial planning.
Dedicated Fiduciary Partners
As a 100% employee-owned, independent firm, we work exclusively on your behalf. Our fee-only approach means that we NEVER receive commissions or make choices to benefit third-parties. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party.
Investors, Not Speculators
We’re not here to play the market, chase the latest “hot investment”, or otherwise gamble with our client’s money. We’re here to establish a versatile plan so that our client’s life savings best serves their life.
RIA Edge 100 2023 – Wealth Mangement’s list of America’s top firms
America’s TOP 250 Registered Investment Advisory Firms 2025, 2024 and 2023
America’s 500 Best Financial Advisory Firms 2024.
Named to CNBC’s 2025 Financial Advisor 100 list of America’s Top 100 Financial Advisor firms.
Named one of the Best Places to Work for Financial Advisors 2026 and 5 other times since 2019.
Named one of America’s 60 Best RIAs to Work for 2025 & 2024 via an anonymous employee survey and an independent evaluation by Financial Planning magazine.
Registered Investment Advisory Survey and Ranking – #236 in 2025) based on assets under management. We have appeared on this list every year except one since it started in 2006.
100 fastest-growing businesses owned or led by Florida State University alumni in the U.S. 2026 and 7 other times since 2018
Limitations of awards & recognitions
Limitations of awards & recognitions: Moisand Fitzgerald Tamayo, LLC does not participate in any program requiring a fee to participate or receive an award. Neither rankings and/or recognition by unaffiliated rating services, publications, or other organizations, nor the achievement of any designation or certification, should be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results if Moisand Fitzgerald Tamayo, LLC is engaged to provide investment advisory services. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by participating advisers. No ranking or recognition should be construed as a current or past endorsement of Moisand Fitzgerald Tamayo, LLC by any of its clients. ANY QUESTIONS: Moisand Fitzgerald Tamayo, LLC’s Chief Compliance Officer remains available to address any questions regarding rankings and/or recognitions, including providing the criteria used for any reflected ranking. (Additional important disclosures)
The Tax Numbers You MUST Know
The tax code is complex. To manage your taxes, there are key numbers you MUST know! Regardless of your stage of life, our free guide highlights the most elemental of these numbers. Get it today. UPDATED FOR 2026!
(If you are a current MFT client and want access to this document please contact your client service manager.)
Schedule an Introductory Call
Collaborate with one of the most highly acclaimed firms in America to
save time while keeping your finances in the best shape possible.
Financial Planning FAQs
1. Who does MFT work with?
We work with individuals and families who want a structured, long-term approach to financial planning. This often includes professionals, retirees, and those navigating major financial decisions.
2. What does working with a financial planner look like?
At MFT, we don’t build a plan and move on. Planning is an ongoing process that adapts to whatever changes may arise and evolves with your life. Our process is designed to bring clarity and structure to your financial life. We help you evaluate your current position, define priorities, and build. We regularly review your plan and make adjustments as markets shift, tax laws change, and your personal circumstances evolve.
3. Is MFT a fiduciary?
Yes. We ALWAYS have a fiduciary duty to you in ALL matters – we NEVER “switch hats” and become salespeople for any party. We are ALWAYS required to put your interests first when providing advice. Our recommendations are based on your goals—not product incentives.
4. How are financial planners compensated?
We are fee-only, which means we are paid directly by our clients. We do not receive commissions or compensation from financial products. We believe people can get better results when the recommendations they receive aren’t bought and paid for by an outside party.
5. Do I need a financial planner?
Many people benefit from financial planning when decisions become more complex—retirement, investments, taxes, or major life changes. A structured plan can help bring clarity and reduce uncertainty. Our clients view their money as a tool to support their life, not a hobby. They want to hire trusted experts, so they don’t have to spend as much of their most valuable resources of time, energy, and attention on financial matters.
6. What is a CFP® professional?
A CFP® professional has completed extensive education, passed a comprehensive exam, and met experience and ethical requirements. This designation reflects a commitment to comprehensive, fiduciary financial planning and is considered the gold standard and the mark of the financial planning profession. At MFT, it is our minimum standard.
7. How much does financial planning cost?
Our fees depend on the scope and complexity of your situation. We provide clear, upfront pricing so you understand exactly what you’re paying for before moving forward. Our belief is simple: we are not expensive, and you don’t want cheap. Cheap often means limited scope, generic advice, and advisors who may not work in your best interest.
Given the depth of our services and the caliber of our team, we’re confident our fees represent strong value, especially for families with $1 million or more in investable assets. Clients with more than $2 million in investment assets under our management typically pay less than 1% annually. Amounts above $2 million are billed at 0.50% or less.
8. Does MFT only manage investments or provide full planning?
We integrate comprehensive financial planning with investment management. We believe that a good plan cannot produce the best results if investments are managed in isolation and that an investment portfolio cannot produce the best results if it is not built upon a good plan that coordinates the many facets of a family’s finances, such as taxes, retirement, risk tolerance, and cash flow needs.
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