Investment Management in Orlando
CFA-led portfolio management for Central Florida families. Your investments, tax, and plan, coordinated.
Fee-Only
Compensated solely by our clients. No commissions. No conflicts.
Serving Florida Since 1995
Three decades of fee-only fiduciary wealth management.
Your Largest Position Should Not Be Your Employer's Stock
Every portfolio governed by a CFA charterholder. Every decision documented in your Investment Policy Statement.
Loyalty to your company and prudent investing are two different things. After a decade at Disney, Lockheed, or L3Harris, your brokerage account may hold more of your employer's stock than you realize. Combined with unvested RSUs and unexercised options, your household's exposure to a single company can reach 50% or more of liquid net worth.
Diversifying that position is not a vote of no confidence in your employer. It is the recognition that your career, your salary, your benefits, and your equity are already concentrated in one place. Your liquid investments should balance that concentration, not amplify it. A written Investment Policy Statement defines the target allocation and the pace of diversification, coordinated with your tax plan to manage the cost of each sale. View our investment management approach
Your Orlando FinancialTeam
Christopher Cannon, CFA
Chris is a CFA charterholder with 33+ years of investment experience spanning institutional trading, arbitrage, and private client management.
Dan Brownsberger, CIMA
Dan is a lifelong Floridian with over 37 years of experience helping clients achieve their financial goals through disciplined investment management.
Investment Considerations for Central Florida Families
Concentrated Stock Diversification
Systematic, tax-aware reduction of employer stock positions. 10b5-1 plans, charitable strategies, and multi-year disposition schedules.
Real Estate Exposure Counterbalancing
Orlando's rapid appreciation creates portfolio imbalance. Your Investment Policy accounts for property value, carrying costs, and potential sale timing.
Professional Athlete Wealth Stewardship
Orlando Magic and Orlando City SC professionals face compressed earning windows. Income replacement, career-transition planning, and accelerated wealth accumulation require disciplined frameworks.
Post-Liquidity Event Deployment
Tech founders and startup executives approaching exits need pre-event portfolio positioning and post-event deployment discipline. Your Investment Policy provides that structure.
Common Questions About Investment Management in Orlando
A Rule 10b5-1 plan is a pre-arranged trading plan that allows corporate insiders to sell shares on a predetermined schedule, providing an affirmative defense against insider trading allegations. It can be a useful tool for executives who want to diversify in a disciplined, automated way while complying with securities regulations. Whether a 10b5-1 plan is appropriate depends on your insider status, the volume of shares you hold, company policies, and your overall diversification timeline. Your FinancialTeam can evaluate whether this tool fits within your Investment Policy. This is not legal advice; consult with your company's legal counsel on insider trading compliance.
Several strategies may help manage the tax impact of diversification. Spreading sales across multiple tax years keeps you in lower brackets each year. Donating appreciated shares to charity eliminates the capital gain entirely while potentially providing a deduction. Harvesting losses elsewhere in your portfolio can offset gains. Holding shares long enough to qualify for long-term capital gains rates (lower than short-term) reduces the rate. The right approach depends on your specific cost basis, holding periods, income level, and overall tax situation. No strategy eliminates taxes entirely, but coordinated planning can meaningfully reduce the impact over time. Learn more
The timing of option exercises around retirement involves several factors: your options' expiration dates and post-termination exercise windows, the tax impact of exercising in your final working year versus spreading across years, whether you will have lower income in early retirement (creating a more favorable tax environment), and Florida's no-state-income-tax advantage. Non-qualified stock options are taxed as ordinary income upon exercise. Your FinancialTeam models multiple exercise scenarios within your financial plan to identify the approach that may produce the best after-tax outcome. Option exercise decisions involve complex tax and employment considerations; consult with your CPA and review your plan documents.
When a large portion of your wealth is concentrated in one sector (such as media/entertainment for Disney, or defense for Lockheed), your liquid portfolio is constructed to provide exposure to sectors, geographies, and asset classes your concentrated position does not cover. We avoid duplicating the risk you already hold. Asset allocation, sector weightings, and individual holdings are all informed by the size and nature of your concentrated position. Learn more about our investment philosophy
FirsTrust charges a single transparent advisory fee based on a percentage of assets under management. There are no commissions, no transaction fees, and no additional charges for planning, tax coordination, or estate oversight. Your fee covers access to your complete FinancialTeam. View our fee structure