# Moisand Fitzgerald Tamayo

Moisand Fitzgerald Tamayo is an Asset Manager based in Orlando, United States.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** Orlando, United States
- **Region:** North America
- **Address:** Orlando, FL, United States
- **Founded:** 1999
- **Assets under management:** Undisclosed
- **Website:** mftadvisors.com
- **LinkedIn:** https://www.linkedin.com/company/moisand-fitzgerald-tamayo-llc

## Regulatory record

- **CRD number:** 109419
- **SEC file number:** 801-55992
- **Registration status:** Registered
- **Latest Form ADV filing:** 2026-03-30T00:00:00.000Z
- **Reports private funds:** No
- **Private funds reported:** 0
- **IAPD record:** https://adviserinfo.sec.gov/firm/summary/109419

## About

MOISAND FITZGERALD TAMAYO, LLC is an SEC-registered investment adviser in ORLANDO, FL, registered since 1998. The firm manages approximately $1.4 billion in regulatory assets. It has 30 employees and 11 investment advisers.

## Offices

- Melbourne, FL
- Tampa, FL

## People

- Dan Moisand — Principal and Financial Advisor
- Ron Fitzgerald — Principal and Financial Advisor
- Charlie Fitzgerald III — Principal and Financial Advisor
- Tommy Lucas — Financial Advisor

## Questions

### Who runs investment decisions at 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.

### Does the firm accept commission-based or alternative investment products?

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.

### Is Moisand Fitzgerald Tamayo associated with NAPFA, and does that carry legal weight?

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.

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Last updated: 2026-06-03T20:00:00.000Z

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