Independent Financial Planning in St. Augustine, FL

We offer a complimentary consultation with no obligation. The conversation is straightforward — we ask about your goals, your current financial picture, and what you are hoping to address. You will leave with a clearer sense of whether our approach is the right fit, and we will have a better understanding of how we might be able to help. There is no pressure and no commitment required.

The most important question to ask any advisor is whether they operate as a fiduciary — meaning they are legally required to act in your best interest, not in the interest of a product provider or parent company. Beyond that, ask whether their guidance is independent of product sales obligations, how they are compensated, and whether they have experience with situations like yours. Those questions will quickly separate advisors who are genuinely client-focused from those operating within product-driven structures.

Yes. Complexity is exactly what we are built for. Our role is to help bring clarity and structure to financial situations that have multiple moving parts — coordinating across accounts, planning areas, and advisors to create a more cohesive picture. Our principal's background in law also means planning conversations can go deeper than most when financial decisions intersect with trust structures, business agreements, or estate documents.

Both work well. We meet with clients in person at our St. Augustine location by appointment, at our Jacksonville and Palatka offices, or virtually — whichever is most convenient for you. Many of our client relationships involve a combination of in-person and virtual meetings depending on the nature of the conversation and what each client prefers.