Coastal pine trees and lake along Florida's Emerald Coast

Fee-Only Fiduciary | Destin, FL & Nationwide

The tide comes in.
The tide goes out.

Your plan should weather both.

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CFA | CFP | CEPA | ChSNC Professional Designations*
100% Fee-Only Fiduciary*
25+ Years Investment Management*
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.

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Families with Special Needs

ABLE accounts, SNTs, Medicaid coordination. We have lived experience.

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Retirements & Second Acts

Transition planning, income strategy, and the decade that matters most.

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Veterans

VA benefits optimization and transition planning for military service members.

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Business Owners

Exit planning, succession, and managing concentrated positions.

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CFA CFP CEPA ChSNC

Professional Designations*

25+
Years in Investment
Management*
100%
Fee-Only
Fiduciary*

"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.

Why FamilyVest

Institutional depth. Personal commitment.

Todd Sensing, CFA, CFP, CEPA, ChSNC

Todd Sensing

SVP, Wealth Advisor

CFA | CFP | CEPA | ChSNC

Elliot Klein, Associate Wealth Manager

Elliot Klein

Associate 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 along with Series 7 and 63 licenses. 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.

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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. A Roth conversion that triggers an IRMAA surcharge. An estate plan that does not reflect how accounts are actually titled. A tax strategy that ignores what the portfolio is doing. These are coordination failures, not planning failures, and they happen when no one owns the full picture.

We organize around your financial goals, not around products. Every recommendation connects back to your comprehensive financial plan: retirement income, tax planning, investment management, estate strategy, and risk management working together. When your CPA, your attorney, and your advisor are all operating from the same plan, the decisions improve and the gaps close.

Financial Planning

Cash flow modeling, goal prioritization, and scenario testing for every major life decision. We build your plan around what matters most, then stress-test it against the unexpected.

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Relationships outweigh spreadsheets - Move beyond the math

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.

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How 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.

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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.

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.

Start a Conversation Call 844-628-3185