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.
"Working with FamilyVest on our special needs planning has given us peace of mind and confidence in our family's future. By taking the time to understand our family's unique situation, we have put in place a comprehensive plan that secures our child's long-term future while optimizing benefits. We highly recommend FamilyVest to any family looking for compassionate, expert guidance to ensure their loved one is taken care of."
Sara, FamilyVest Client
Sara is a current advisory client. This testimonial was provided at FamilyVest's request. No compensation was provided. The testimonial provider has no material conflict of interest beyond the existing advisory relationship. Individual experiences vary and are not guaranteed to be representative of all clients. Testimonials do not guarantee future performance or investment results. Full disclosure.
"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.
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.
We organize around your financial goals, not around products. Every recommendation connects back to your comprehensive financial plan, and every decision is coordinated across your full picture.
Financial Planning
Investments
Retirement
Tax Strategy
Estate & Risk
Special Needs
Business Exits
Financial Planning
Cash flow modeling, goal prioritization, and scenario testing for every major life decision. Your plan is the foundation. Everything else connects to it.
We stress-test assumptions across market environments, inflation scenarios, and life changes so your family is prepared for the path ahead, not just the plan on paper.
Cash FlowGoal PlanningScenario AnalysisComprehensive Plan
Diversified portfolios with direct indexing, tax-loss harvesting, and institutional access through Farther. Your investments serve the plan, not the other way around.
We combine quantitative portfolio construction with behavioral discipline. The goal is not to beat a benchmark. It is to fund your life.
Direct IndexingTax-Loss HarvestingInstitutional AccessPortfolio Management
Social Security coordination, tax-efficient withdrawals, and sequence-of-returns risk management. The decade before and after retirement is when the most consequential decisions are made.
We model income streams across accounts, tax brackets, and benefit timing so you spend confidently without outrunning your resources.
Social SecurityTax-Efficient WithdrawalsSequence RiskRetirement Income
Income timing, charitable giving, capital gains harvesting, and entity planning coordinated with your CPA. Tax planning is not something we do once a year. It is embedded in every recommendation.
We work alongside your CPA to turn tax preparation into tax strategy, finding opportunities across accounts, entities, and planning horizons.
Income TimingCapital GainsCharitable GivingEntity Planning
Beneficiary review, insurance analysis, titling, and liability exposure coordinated with your estate attorney. Your documents should reflect your current life, not the life you had when they were drafted.
We coordinate with your attorney to make sure your trust, beneficiary designations, and insurance are aligned with your actual plan, not just filed away.
ABLE accounts, special needs trusts, Medicaid and SSI coordination, and lifetime care planning. Todd is a father of two sons with autism. This is not a niche. It is personal.
We help families navigate benefit preservation, guardianship alternatives, trust structures, and the financial complexity that comes with planning for a child who will need support for life.
ABLE AccountsSpecial Needs TrustsMedicaidSSI CoordinationGuardianship
Exit valuation, succession planning, and concentrated position management. Your business is likely your largest asset. The transition plan should be as sophisticated as the business itself.
As a Certified Exit Planning Advisor, Todd works with business owners to maximize transferable value, minimize tax exposure, and plan the personal side of the transition that most advisors overlook.
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. 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.
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.
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.
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.
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.
