FamilyVest provides comprehensive financial planning and investment management for families in Destin, 30A, Santa Rosa Beach, Miramar Beach, Niceville, Pensacola, and nationwide. We specialize in coordinated advice for retirement transitions, special needs planning, business exits, military families, tax strategy, estate coordination, and investment management.
Fee-Only Fiduciary | Destin, FL & Nationwide
Fee-Only Financial Advisors in Destin and along the Emerald Coast
Comprehensive wealth management for families on the Emerald Coast and nationwide.
FamilyVest now operates through Farther, combining decades of personal advice with institutional-grade technology.
Who We Serve
Built for families with financial complexity.
You have done the hard work of building wealth. But the financial decisions ahead of you are not simple, and they do not exist in isolation. When you retire matters to how you draw income. How you draw income matters to your tax bill. Your tax bill matters to what you leave behind. One decision made without considering the others can quietly cost your family hundreds of thousands of dollars over a thirty-year retirement.
Most families work with advisors who manage a piece of the picture. A portfolio here, a tax return there, an estate plan that was drafted five years ago and never revisited. We work with families who need a wealth advisor to coordinate all of it, because the real risk is not any single decision. It is the gaps between decisions that no one is watching.
Families Finding Their Beach
Build the life you want along 30A and beyond with comprehensive planning.
Learn more →Families with Special Needs
ABLE accounts, SNTs, Medicaid coordination. We have lived experience.
Learn more →Retirements & Second Acts
Transition planning, income strategy, and the decade that matters most.
Learn more →Veterans
VA benefits optimization and transition planning for military service members.
Learn more →Business Owners
Exit planning, succession, and managing concentrated positions.
Learn more →
CFA
CFP
CEPA
ChSNC
Professional Designations*
"The gold standard of the investment management profession."*
— Financial Times, on the CFA designation
Fewer than 200,000 professionals worldwide hold the CFA charter.
The program requires passing three exams with a historical completion rate under 20%.*
The Financial Times quote refers to the CFA designation generally, not to FamilyVest or any individual advisor. CFA statistics sourced from CFA Institute (cfainstitute.org). Professional designations verified via issuing organizations. Experience reflects Todd Sensing's career beginning in 1994. Full disclosures.
What We Do
Coordinated advice. Not piecemeal recommendations.
Most families have a CPA who files their taxes, an estate attorney who drafted their documents, an insurance agent who sold them a policy, and an investment advisor who manages their portfolio. These professionals rarely talk to each other, and the gaps between them are where expensive mistakes happen.
We organize around your financial goals, not around products. Every recommendation connects back to your comprehensive financial plan, and every decision is coordinated across your full picture.
Financial Planning
Investments
Retirement
Tax Strategy
Estate & Risk
Special Needs
Business Exits
Financial Planning
Cash flow modeling, goal prioritization, and scenario testing for every major life decision. Your plan is the foundation. Everything else connects to it.
We stress-test assumptions across market environments, inflation scenarios, and life changes so your family is prepared for the path ahead, not just the plan on paper.
Cash Flow
Goal Planning
Scenario Analysis
Comprehensive Plan
Explore Financial Planning
Investment Management
Diversified portfolios with direct indexing, tax-loss harvesting, and institutional access through Farther. Your investments serve the plan, not the other way around.
We combine quantitative portfolio construction with behavioral discipline. The goal is not to beat a benchmark. It is to fund your life.
Direct Indexing
Tax-Loss Harvesting
Institutional Access
Portfolio Management
Explore Investments
Retirement Planning
Social Security coordination, tax-efficient withdrawals, and sequence-of-returns risk management. The decade before and after retirement is when the most consequential decisions are made.
We model income streams across accounts, tax brackets, and benefit timing so you spend confidently without outrunning your resources.
Social Security
Tax-Efficient Withdrawals
Sequence Risk
Retirement Income
Explore Retirement Planning
Tax Strategy
Income timing, charitable giving, capital gains harvesting, and entity planning coordinated with your CPA. Tax planning is not something we do once a year. It is embedded in every recommendation.
We work alongside your CPA to turn tax preparation into tax strategy, finding opportunities across accounts, entities, and planning horizons.
Income Timing
Capital Gains
Charitable Giving
Entity Planning
Explore Tax Strategy
Estate & Risk Management
Beneficiary review, insurance analysis, titling, and liability exposure coordinated with your estate attorney. Your documents should reflect your current life, not the life you had when they were drafted.
We coordinate with your attorney to make sure your trust, beneficiary designations, and insurance are aligned with your actual plan, not just filed away.
Estate Planning
Insurance Review
Beneficiary Audit
Asset Titling
Explore Estate & Risk
Special Needs Planning
ABLE accounts, special needs trusts, Medicaid and SSI coordination, and lifetime care planning. Todd is a father of two sons with autism. This is not a niche. It is personal.
We help families navigate benefit preservation, guardianship alternatives, trust structures, and the financial complexity that comes with planning for a child who will need support for life.
ABLE Accounts
Special Needs Trusts
Medicaid
SSI Coordination
Guardianship
Explore Special Needs Planning
Business Exit Planning
Exit valuation, succession planning, and concentrated position management. Your business is likely your largest asset. The transition plan should be as sophisticated as the business itself.
As a Certified Exit Planning Advisor, Todd works with business owners to maximize transferable value, minimize tax exposure, and plan the personal side of the transition that most advisors overlook.
Exit Planning
CEPA
Succession
Concentrated Positions
Business Valuation
Explore Business Exit Planning
Why FamilyVest
Institutional depth. Personal commitment.
Todd Sensing
SVP, Wealth Advisor
CFA | CFP | CEPA | ChSNC
Elliot Klein
AVP Wealth Manager
West Point | U.S. Army Infantry
You deserve an advisor whose experience matches the complexity of your financial situation, setting us apart from other financial advisors. Todd Sensing has spent over 25 years in institutional portfolio management, fixed-income strategy, and private wealth advisory. He has managed equity REIT portfolios, built hedging strategies across billions in fixed-income assets, and founded an investment fund. That background means your comprehensive financial plan is built on institutional-grade thinking, not a retail playbook.
But credentials and track records only go so far. Todd is a father of two sons with autism. That lived experience shapes the way he approaches every family: with the understanding that the most important financial decisions are usually the most personal ones. It is why special needs planning is central to what FamilyVest does, and it is why every client relationship starts with listening, not selling.
You do not work with a rotating cast of junior associates. Todd and Elliot Klein work together on every client relationship. Elliot is a West Point graduate and former Army Infantry Officer who brings five years of leadership experience in risk management and decision-making under pressure. Two wealth advisors invested in your outcome. No handoffs, no coverage gaps.
Symphony Harding manages client experience, ensuring that every interaction from onboarding through ongoing reviews is coordinated and responsive. Marissa Cortinas supports operations and brings three years of experience at Charles Schwab. When you call, you reach people who know your name and your plan.
FamilyVest operates through Farther, an SEC-registered investment adviser that provides the technology, compliance infrastructure, custodial access of an institutional platform. That means wealth management backed by tools like direct indexing, automated tax-loss harvesting, and consolidated reporting across every account you own. You get the personal relationship of an independent advisor and the operational strength of a firm built to scale.
Rating reflects 19 voluntarily submitted Google Business Profile reviews as of April 2026, scored on a 1-to-5 star scale available to all users. No compensation was provided. Individual experiences may vary and are not necessarily representative of all clients. Disclosures.
Our Philosophy
Moving beyond the math.
The math tells you what is possible. The conversation tells us what matters. Investments serve the plan. Goals drive the plan. We start with relationships, not spreadsheets.
See Our ApproachHow We Work
Goals first. Plan second. Then invest.
Your portfolio is not the starting point. Your life is. What does financial security look like for your family? What decisions are keeping you up at night? What has changed since the last time someone looked at the full picture? We build from there.
Listen
Every engagement begins with understanding what matters most to you. Not your account balances. Your financial goals, your concerns, your family's circumstances. We ask the questions most advisors skip, because the answers determine everything that follows. If you are five years from retirement, we need to know what retirement means to you before we model the numbers.
Build the Plan
We construct a comprehensive financial plan covering retirement projections, Social Security timing, cash flow analysis, tax strategy, estate planning, insurance review, asset allocation, and investment policy. Every recommendation coordinates with every other recommendation. Nothing exists in isolation. The plan addresses what is urgent first, then works systematically through every area of your financial life.
Manage and Adapt
Life changes. Markets shift. Tax laws evolve. We manage your investments and monitor your plan on an ongoing basis, adjusting as your circumstances require. Quarterly reviews keep you informed. Annual deep dives reassess your goals and assumptions. And when something needs attention between scheduled reviews, we reach out first. You should never have to wonder whether your advisor is paying attention.
Due Diligence
Questions worth asking.
It means we never earn commissions, referral fees, or compensation from any product provider, operating as a true fiduciary. We do not sell annuities, mutual funds, or insurance products. Our only obligation is to give you the best financial advice and advisory services we can. We work for you and only you.
Families navigating financial complexity: retirement transitions, special needs planning, business owners preparing for exit, estate coordination, and investment management. Todd also brings personal experience as a father of two sons with autism, which shapes our approach to every client relationship.
Estate planning, insurance review, income tax strategies, retirement planning, Social Security coordination, cash flow analysis, risk management, and portfolio management. We cover all facets of your financial life and coordinate them into a single plan built around your goals. Nothing gets addressed in isolation.
FamilyVest operates through Farther Finance Advisors, LLC, an SEC-registered investment adviser. You can verify our regulatory record on FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure database.
Planning Answers
Popular planning questions.
A fee-only financial advisor provides financial planning and investment management paid directly by the client. Fee-only advisors do not earn commissions, referral fees, or product compensation from insurance companies, mutual funds, or annuity providers. The structure removes product-sales incentives so advice is not influenced by what the advisor is paid to sell. FamilyVest is fee-only and acts as a fiduciary for every client we serve.
Most advisors manage a portfolio. We coordinate the entire financial picture — retirement, tax, estate, insurance, investments, and special situations like business exits and special needs planning — as one connected plan. Todd Sensing holds the CFA, CFP, CEPA, and ChSNC designations, bringing both institutional investment depth and comprehensive planning expertise that are uncommon in the same advisor.
Yes. We serve families in Destin, along 30A, in Santa Rosa Beach, Miramar Beach, Niceville, Pensacola, and throughout the Emerald Coast. We also work with families nationwide, with meetings conducted by secure video. Many of our clients are relocating to Florida or have ties to multiple states, and we coordinate their planning across jurisdictions.
Yes. Retirement income planning is a core part of what we do. We coordinate Social Security timing, withdrawal sequencing across accounts, Roth conversion analysis, Medicare and IRMAA planning, and tax-aware drawdown strategies. Our goal is to help families fund the life they want in retirement without unnecessary tax drag or sequence-of-returns risk.
Yes. Special needs planning is central to our practice. Todd is a father of two sons with autism, and that lived experience shapes how we work with families navigating ABLE accounts, special needs trusts, Medicaid and SSI coordination, guardianship alternatives, and letters of intent. We coordinate with estate attorneys and benefit specialists to build lifetime plans that protect both eligibility and quality of life.
The first step is a conversation. Visit the Start a Conversation page or call 844-628-3185. We will ask what matters most to you, listen to what you are navigating, and determine whether we are a fit for each other. There is no obligation and no sales pressure. If we are a fit, we outline the planning work and move forward from there.
Learn More
Explore how we help families.
If you are weighing a major life decision — a business exit, an inheritance, a retirement, a relocation — the planning work matters more than the market call. Our retirement planning work covers Social Security timing, withdrawal sequencing, and tax-aware drawdown strategy. For families with a child or adult dependent who will need support for life, our special needs planning service coordinates ABLE accounts, trusts, benefit preservation, and lifetime care logistics.
Business owners approaching a sale or succession benefit from our business exit planning work, which Todd directs as a Certified Exit Planning Advisor. Military families navigating the TSP, SBP, and the federal retirement system find coordinated planning from an advisor who has spent years working alongside families stationed across the Emerald Coast. Every client relationship is grounded in our investment management approach: evidence-based, tax-aware, and built around the plan.
Have a specific question? Visit our FAQ or contact us directly.
Next Step
One conversation. No obligation.
Whether you are approaching retirement, navigating a business transition, planning for a child with special needs, or simply ready for a wealth advisor who connects the pieces instead of managing them in isolation, we would welcome the chance to hear what matters most to you. We serve families in Destin, along 30A and Santa Rosa Beach, across the Emerald Coast of Florida, and nationwide. No sales pitch. No pressure. Just a straightforward conversation about your financial future and whether we are the right fit to help.