Moisand Fitzgerald Tamayo

Moisand Fitzgerald Tamayo

Founded in 1999, Moisand Fitzgerald Tamayo grew from a partnership of three advisors committed to fiduciary, fee-only financial planning into one of the most decorated independent practices in the Southeast. Dan Moisand, Ron Fitzgerald, and Charlie Fitzgerald III structured the firm to avoid all commission-based products, a decision that aligned them early with the stricter fiduciary movement gaining momentum within NAPFA, the country's primary fee-only advisory organization. Moisand is a former NAPFA national board chair, and Fitzgerald III has held multiple national leadership roles, giving the firm outsized institutional visibility relative to its boutique footprint. The firm delivers financial planning, investment management, and tax preparation under a single coordinated banner, primarily targeting retirees and pre-retirees. Asset management relies on globally diversified, passive-strategy portfolios tilted toward Dimensional Fund Advisors and Vanguard low-cost vehicles. The firm does not market proprietary funds, alternative investments, or syndicated private deals, instead focusing on total-return planning, withdrawal-sequencing strategies, and tax-loss harvesting. Its client concentration leans heavily toward corporate executives, engineers, and healthcare professionals across the I-4 corridor from Tampa to Melbourne. Operational presence spans three Florida offices—Orlando, Melbourne, and Tampa—staffed by a team of CERTIFIED FINANCIAL PLANNER™ professionals. The firm has appeared on multiple published rankings of top financial advisors, including the Financial Times 300 Top Registered Investment Advisers list and similar recognition from Barron's and Forbes, consistently as one of the highest-ranked independent shops outside the New York-San Francisco wealth corridor. Charlie Fitzgerald III served as NAPFA board chair in 2016, cementing the trio's role in defining practice standards that benchmark fee-only advisory across the profession. Structurally, the firm operates as a partnership rather than a roll-up platform, retaining autonomy over its technology stack, custodian relationships, and succession timeline. This differentiates it from the consolidators acquiring fee-only firms at systematic scale—Moisand Fitzgerald Tamayo has resisted external capital, maintaining a pure partnership-structured practice even as industry consolidation accelerates.