Financial Planning for Families on Florida's Emerald Coast
Competing priorities don't have to conflict. College savings, retirement, estate planning, insurance. One coordinated strategy makes it all fit together.
Families
The Reality
Family financial complexity is non-linear.
You're juggling priorities that pull in different directions. The anxiety isn't about money itself. It's about whether all of it fits together.
College
Funding education without derailing retirement
Retirement
When, how, and enough
Estate
Trusts, beneficiaries, titling
Insurance
Protection that matches your plan
Lifestyle
Travel, home, career changes
Cash Flow
What's available after taxes
How We Help
Coordination changes everything.
We don't manage one thing well. We manage everything as one thing.
Step 1
Goal Clarity
What does your life look like in 5, 10, 20 years? We start with specifics, not vague aspirations.
Step 2
Cash Flow Mapping
Every dollar. Every tax consequence. Where it comes from, where it goes, what's available.
Step 3
College Strategy
529 plans, UTMA, loans, or self-fund. The right approach depends on your bigger picture.
Step 4
Retirement Architecture
When can you stop working? What income sources activate? How does Social Security fit?
Step 5
Insurance Alignment
Coordinated protection. Not too much. Not too little. Matched to your actual exposure.
Step 6
Estate Coordination
Wills, trusts, beneficiary designations. Titled correctly. Updated regularly. No surprises.
Why FamilyVest
Built for families who take planning seriously.
Most advisory firms specialize in investments. We specialize in the intersection of investments, tax planning, estate strategy, insurance, and the life decisions that connect them. That distinction matters when college funding competes with retirement savings, when stock options create concentrated risk, or when a second home on the coast changes your tax picture.
FamilyVest is a fee-only fiduciary practice. We don't earn commissions. We don't sell products. Our only incentive is to give you the clearest, most complete advice we can. Todd Sensing, CFA, CFP, brings 25+ years of institutional and personal planning experience to every client relationship. The CFA Charter, held by fewer than 1% of financial professionals, reflects a level of analytical rigor most families never encounter in a planning engagement.
We work with a focused group of families, typically with $1 million or more in investable assets, so that every client receives direct access to their advisor, not a call center or a junior associate. Many of our clients relocate from Silicon Valley, Birmingham, and other metro areas, bringing planning complexity that requires local knowledge and national perspective. Planning is ongoing, not an annual check-in. When your circumstances change, your plan should change that same week.
Next Step
One conversation. No obligation.
Let us review where you stand and where you want to go. If we are the right fit, we will tell you how we can help. If we are not, we will tell you that too.