The families along 30A have earned a different kind of life. Rosemary Beach, Alys Beach, Seaside, WaterColor, Grayton Beach. Each community is distinct, but the financial complexity is shared: concentrated wealth, multiple properties, business transitions, and the question of what comes next. We specialize in answering that question.
30A isn't a typical market. Families here have often built or sold businesses, hold significant real estate portfolios, manage seasonal income patterns, and think in multi-generational terms. The financial planning they need goes well beyond portfolio management.
Most national wealth management firms will assign you to a team in Atlanta, Dallas, or Jacksonville. Those teams are competent, but they manage you as one of hundreds. They apply models. They run standard playbooks. They don't know that your rental properties on 30A have seasonal cash flow cycles, that your business sale created investment proceeds that need careful repositioning, or that your estate plan needs to account for a child with special needs.
We're local to the Emerald Coast. We work with 30A families who have built significant wealth and face genuinely complex financial situations. We understand the real estate dynamics, the business ownership patterns, and the lifestyle priorities that define this corridor. When you sit down with us, we're not learning your community for the first time. We already know it.
Our clients along 30A include entrepreneurs who sold their companies and need a plan for what comes after, executives balancing career compensation with real estate and investments, families coordinating across multiple trusts and entities, and retirees who chose 30A intentionally and want their plan to support the life they've designed. We handle the full picture because that's the only way it works.
30A families deserve the kind of planning that large institutions provide, delivered by an advisor who actually knows them.
Sold a business or stepping away from an executive role? We coordinate the tax strategy, investment positioning, estate restructuring, and lifestyle cash flow all at once.
Learn more →Diversified, tax-efficient portfolios built for your specific situation. We coordinate across accounts, manage transitions carefully, and align everything to your goals.
Learn more →Trusts, titling, beneficiary coordination, charitable strategies. Multi-generational wealth planning built with precision and intent.
Learn more →ABLE accounts, special needs trusts, Medicaid coordination, guardianship planning. If your family includes a member with a disability, we bring personal experience and deep expertise.
Learn more →Income sequencing, Social Security optimization, healthcare planning, lifestyle budgeting. We build retirement plans that actually track to how you want to live.
Learn more →Year-round tax coordination across income sources, investment accounts, real estate, and entity structures. Every decision is tax-aware.
Learn more →Todd Sensing, CFA, CFP®, CEPA®, ChSNC®, leads FamilyVest with over two decades of experience across institutional portfolio management, fixed-income strategy, and private wealth advisory. He's built and managed portfolios at an institutional scale, founded an investment fund, and spent years working directly with families navigating complex financial lives. That background informs every client relationship, but it's the personal side that defines it. Todd is a father of two sons with autism, which drives his deep commitment to special needs financial planning.
FamilyVest operates through Farther, combining the personal relationship of an independent advisor with the technology, compliance infrastructure, and custodial access of an institutional platform. You get both: someone who knows your name and your situation, backed by systems that manage your wealth with precision.
We're 100% fee-only. No commissions. No product sales. Our only incentive is to give you the best advice we can. That's how it should work.
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.