Moisand Fitzgerald Tamayo

Investment management is a collaborative function led by the three named principals—Dan Moisand, Ron Fitzgerald, and Charlie Fitzgerald III—all CFP® professionals. The firm uses passive, evidence-based strategies primarily through Dimensional Fund Advisors and Vanguard, avoiding proprietary products. No single portfolio manager has discretionary authority independent of the planning architecture built around each client's retirement income needs.

The firm relies entirely on organic referrals from existing clients, local professional networks, and reputation-driven inbound inquiries. It does not advertise, pay for leads, or maintain a sales force, consistent with the NAPFA fee-only ethos its principals helped codify. Its Central Florida concentration reflects decades of community presence rather than a deliberate geographic expansion strategy.

No. Moisand Fitzgerald Tamayo operates as a pure fee-only RIA, explicitly rejecting commissions, revenue-sharing agreements, and sales loads. The principals have been outspoken advocates within NAPFA for the strictest fiduciary interpretation, consistently positioning the firm in opposition to hybrid broker-dealer models that mix fee and commission revenue.

Yes, and it carries professional weight rather than per se legal force. NAPFA requires member firms to be fee-only and sign a fiduciary oath, standards that exceed the SEC's Regulation Best Interest framework. Dan Moisand and Charlie Fitzgerald III have both served as NAPFA national board chairs, and the firm's practice standards are routinely referenced as benchmarks for fiduciary duty in professional literature, though the standard itself remains a voluntary membership obligation, not a separate regulatory mandate.

The firm operates as a multi-partner entity with no disclosed outside capital or aggregator backing, which distinguishes it from the private-equity-backed consolidation wave sweeping the RIA space. While specific succession terms are private, the partnership model with three founding-equivalent principals and additional named advisors suggests an internal transfer protocol designed to preserve the fee-only mandate rather than an external sale.