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Clarity for Today,
Confidence for Tomorrow.

Delivering Tax-Focused, Fee-Only Financial Planning and Investment Management

Serving clients in Tampa, Orlando, Jacksonville, or nationwide with virtual meetings.

Schedule Brief Call

Fiduciaries

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Acting in your best interest

Oasis

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A place of peace, safety, or happiness in the midst of trouble

Experienced 

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Credentialed Advisors
CFP®, CPA, CFA, JD, MBA 

Detailed Financial Modeling

Am I on the right track?

Tax Planning

What key tax strategies am I missing?

Investment Management

Is low-cost, evidenced-based investing better than what I have?

Goals Based 

Your goals drive the analysis and advice

Integration of a wide range issues

Who is coordinating all of my “moving pieces”?

Tailored Financial Roadmap

What do I need to do to get there?


Download a free guide


How to Choose an Advisor

There are a variety of financial advisors to choose from.  How do you weigh the trustworthiness and competence of your prospective advisor?


Get Started


Step 1

Schedule a Call or call Mel and Steve today.

Tampa: 813-540-0978
Orlando: 407-434-9698

Share your goals, concerns, and background.

Step 2

Meet With Advisor

Engage in a dialogue where we listen and learn. We present our services to help determine if there is a good match.

Virtual Meetings or In-Person in Tampa and Orlando. 

Step 3

Start planning and investing

Get on the road to clarity and on the path to confidence.  

Planning is a lifetime journey.  It starts today.



Services – Investment Management and Financial Planning



Investment Management Strategies

Goals-based investment management. See why we leverage Dimensional Fund Advisors.



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Index-investing with a twist

Low-cost approach that lies between passive investing and active investing.

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Evidenced-based investing

While staying diversified, we seek to tilt our allocations for favorable long-term returns. 

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Ties to your financial plan

Your situation is unique.  Your investment management program should tie to your unique needs and evolve as your situation changes.

More on Investment Management


Tailored Financial Planning

Our financial planning services starts with understanding your situation and developing a written list of your goals and concerns.  From there, we cover a wide range of financial planning issues in an integrated fashion. 

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Retirement Planning

Whether you are already retired or planning to retire, you want to know how long you can sustain your desired level of spending and what changes need to be made.

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Income Tax Planning

Consulting to spot tax-minimization opportunities by reviewing your current situation and by preparing forward-looking cash flow and tax projections

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Investment Advisory

We review your current asset allocation and investment choices across all your investments and discuss any hidden fees that you may be paying.

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Estate Planning

Getting clarity on your estate planning documents and beneficiary designations is critical – it is too important to ignore.

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Risk Management

Having the right amount of insurance determined by an objective review will help protect your assets without overpaying for insurance that may be “sold” to you.

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Life Planning

Planning is much more than just looking at numbers. Life-integrated planning involves exploring living an intentional life with the financial clutter in the rear-view mirror. 

More Planning Services


Leveraging technology for better analysis and understanding


Technology dashboard


Custom analysis

Detailed financial modeling with spreadsheets (for numbers people) and graphs (for visual people)

Personal advice

Credentialed advisors leverage sophisticated planning tools to analyze your situation and make appropriate recommendations.

Real-time information.

You can see where you are in real-time on any device – mobile, laptop, computer.