Financial Planning in Orlando
Fee-only fiduciary advisors serving Central Florida. Your investment, tax, and estate strategy, coordinated for families whose success has created complexity.
Fee-Only
Compensated solely by our clients. No commissions. No conflicts.
Serving Florida Since 1995
Three decades of fee-only fiduciary wealth management.
Your Compensation Package Deserves Its Own Plan
Your investments, tax strategy, and estate plan, coordinated within one framework. View our planning process
Your household income is not a single number. It is stock options vesting on different schedules, RSUs triggering tax in the year they settle, deferred compensation elections that lock in years before you know what your life will look like, and ESPP shares accumulating in a brokerage account that no one has reviewed since the purchase.
In Central Florida, this complexity is concentrated. Disney, Universal/Comcast, Lockheed Martin, L3Harris, Darden, and a growing tech corridor generate compensation structures that most advisors are not equipped to coordinate. When you add a relocation from a high-tax state, a home purchase in Windermere or Lake Nona, and children approaching college, the interactions between these decisions multiply. Your financial plan should model all of it in one place, not leave each decision to a different advisor.
Your Orlando FinancialTeam
Dan Brownsberger, CIMA
Dan is a lifelong Floridian with over 37 years of experience helping clients achieve their financial goals through disciplined investment management.
Financial Planning Considerations for Central Florida Families
Executive Compensation Coordination
Stock options, RSUs, deferred compensation, ESPP shares. Your vesting schedules, exercise timing, and diversification strategy are coordinated with your tax plan and financial plan to optimize after-tax outcomes.
Relocation from High-Tax States
A $1M earner moving from California retains approximately $130,000 annually in state income tax savings. Timing income recognition (bonuses, stock exercises, deferred comp) relative to your domicile change is essential.
Defense Corridor Wealth
Lockheed Martin, L3Harris, Northrop Grumman, and 120+ companies in the Central Florida Research Park. Security clearance restrictions, concentrated employer stock, and government benefit coordination require specialized planning.
Lake Nona and Medical City Growth
Physicians, researchers, and healthcare executives in the Lake Nona corridor face practice equity valuation, medical malpractice asset protection, and retirement plans that differ significantly from corporate structures.
Communities We Serve from Orlando
Communities
- Isleworth
- Keene's Pointe
- Windermere
- Golden Oak at Walt Disney World
- Winter Park
- Lake Nona Estates
- Dr. Phillips
- Bay Hill
- Baldwin Park
- College Park
- Thornton Park
- Celebration
- Heathrow
- Lake Mary
- Oviedo
- Maitland
- Rose Isle
- Delaney Park
- South Eola
- Audubon Park
Common Questions About Financial Planning in Orlando
Florida has no state income tax, which means income from stock option exercises is subject only to federal tax once you have properly established Florida domicile. For executives relocating from states with significant income tax (California at 13.3%, New York at 10.9%, New Jersey at 10.75%), the timing of option exercises relative to your domicile change can have a material impact on after-tax proceeds. Your FinancialTeam models these scenarios as part of your relocation planning, coordinating with your CPA to ensure proper documentation and compliance with your former state's rules. Tax laws and individual circumstances vary; this analysis is specific to your situation. Learn more about tax planning
RSUs are taxed as ordinary income upon vesting, so the concentration risk and tax planning begin at the moment shares are delivered. After vesting, shares can be sold or held, and a systematic disposition plan can reduce concentration over time while managing capital gains. Strategies may include selling shares across multiple tax years, donating appreciated shares to charity (which may avoid capital gains and provide a deduction), or coordinating sales with periods of lower overall income. Your Investment Policy Statement documents the target allocation and the pace of diversification. Each family's situation is different, and outcomes depend on factors including holding period, cost basis, and overall tax picture. Learn more about investment management
When both spouses hold concentrated positions in employer stock (for example, one at Lockheed Martin and one at L3Harris), the household faces compounded single-sector risk. Your FinancialTeam evaluates both positions together within one Investment Policy Statement, considering vesting schedules, blackout periods, insider trading restrictions, and combined tax exposure. The diversification plan coordinates sales across both positions to manage aggregate tax brackets and sector concentration. Equity compensation plan rules vary by employer and individual circumstance.
California's Franchise Tax Board is known for assertive residency audits of departing high-income earners. Documentation should include a daily calendar showing your location, Florida driver's license and vehicle registration, Florida voter registration, Declaration of Domicile filed with the Orange County Clerk, homestead exemption, updated financial account addresses, and evidence of Florida-based social, religious, and professional memberships. California examines the "closest connections" test, so maintaining minimal connections to California (such as keeping a California home) can complicate your position. Your FinancialTeam coordinates the financial dimensions of this transition. State tax rules are complex and subject to change; consult with your CPA for guidance specific to your situation.
Your FinancialTeam reviews your employer's deferred compensation plan documents (including 409A nonqualified deferred comp plans), models different election scenarios within your financial plan, and helps evaluate timing and distribution options in the context of your overall income, tax, and retirement projections. We do not communicate with your employer on your behalf without your explicit direction, but we can prepare analysis that informs your election decisions. Deferred compensation plans involve complex tax rules and employer-specific provisions. Learn more about financial planning