Fee-Only Fiduciary | 30A & Emerald Coast

Fee-Only Financial Planning and Investment Management on 30A

Your financial life has layers. Your financial professional should understand all of them.

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Who We Work With

Built for families with financial complexity.

Year-round residents building wealth along the corridor. Second-home owners managing property across state lines. Retirees converting what they have built into income that lasts. Business owners preparing for transitions they have spent decades earning. Families balancing rental income, investment portfolios, insurance obligations, and estate plans that need to work together rather than in isolation.

Many of the families we work with have outgrown the advice they started with. The accounts got larger. The tax picture got more complicated. The questions stopped being about saving and started being about protecting, distributing, and transferring, which is where expert wealth management becomes crucial. That is where we step in.

The details differ from household to household. The need is the same: a fiduciary advisor who sees the full picture, coordinates every piece, and makes sure nothing falls through the gaps. That is what we do. Every client. Every plan. Every review.

Planning Challenges

Where complexity compounds.

Multiple Income Streams, One Tax Return

Rental income, investment returns, business distributions, and retirement withdrawals each carry different tax treatment. Without coordination, you overpay. With a comprehensive plan, every income source is positioned within a tax-efficient structure. The difference between a coordinated strategy and a patchwork of accounts is tens of thousands of dollars over time.

Concentrated Real Estate, Limited Liquidity

Property builds wealth. It also concentrates risk. When most of your net worth is tied to real estate, a downturn in occupancy or property values affects everything. A properly constructed investment portfolio provides balance, flexibility, and income that does not depend on occupancy rates, seasonal demand, or a single property market.

Estate Plans That Match Reality

Titling, trusts, beneficiary designations, and property succession either work together or work against each other. When families own property in multiple states, the complexity multiplies. Beneficiary designations on retirement accounts can override what your will says. We coordinate with your attorney to make sure your estate plan reflects your actual wishes, accounts for every asset, and stays current with changes in the law.

Retirement Income That Lasts

Social Security timing. Roth conversions. Distribution sequencing. Healthcare cost projections. Medicare surcharges. The order of decisions matters as much as the total dollar amount. We build a retirement income strategy designed to sustain your life through every phase, not just the first five years.

What We Do

Coordinated advisory services. Not piecemeal recommendations.

Comprehensive Financial Planning

Cash flow analysis, retirement projections, tax strategy, insurance review, estate coordination, and education funding. We build the plan, implement every recommendation, and revisit the entire structure as your life changes. Nothing sits on a shelf. Learn about our planning process.

Investment Management

Portfolios built on institutional research, factor-based analysis, and tax-aware asset allocation construction. Managed through Farther's custodial platform with full transparency, no proprietary products, and no revenue sharing. Your investments serve the plan. See how we manage portfolios.

Retirement Income Planning

Social Security timing, pension elections, required minimum distributions, Roth conversion windows, and drawdown sequencing. Every decision is modeled before it is made. A tax-efficient income strategy built to last decades. Explore retirement planning.

Estate and Legacy Planning

Trust structuring, beneficiary coordination, titling review, charitable giving strategy, and multi-state property succession. We work alongside your attorney and CPA so your estate plan reflects your wishes, protects your family, and adapts to changes in the law.

Special Needs Planning

ABLE accounts, special needs trusts, Medicaid and SSI coordination, guardianship alternatives, and long-term care strategies. Todd is a father of two sons with autism. This work is personal, and it informs every plan we build for families navigating disability. Learn about special needs planning.

Tax Strategy and Coordination

Proactive planning that goes beyond filing. Roth conversions, capital gains harvesting, charitable strategies, entity structuring, and distribution timing. We coordinate with your CPA year-round so tax decisions are made in context, not in isolation.

Why FamilyVest

Who you work with matters.

Todd Sensing, CFA, CFP®, resides full-time in Santa Rosa Beach, along the Choctawhatchee Bay. As founder and lead advisor, Todd leads every client engagement at FamilyVest personally, bringing twenty-five years of experience across institutional portfolio management, fixed-income strategy, and private wealth advisory. The same analytical discipline that applies to managing institutional capital applies to your family's plan. Every recommendation. Every portfolio decision. Every review.

The planning process is structured and thorough. We start with what matters most to you, your financial goals, and how your goals impact your financial situation. Then we are able to work through every area of your financial life: cash flow, investment management, tax planning, insurance and risk management planning, estate planning, and retirement planning. Each piece connects to the others. Nothing is treated in isolation, and nothing is left to assumption. As a certified financial planner (CFP), we always act as your fiduciary.

This is not a firm that hands your plan to a junior associate. Todd builds the plan, manages the portfolio, and sits across from you at every quarterly review. You work with the person who knows your situation, not someone reading notes about it. That continuity changes the quality of the advice. It is also why clients stay. Meet the team.

FamilyVest operates through Farther, an SEC-registered investment advisory firm built by a team from Goldman Sachs, BlackRock, and JP Morgan. Farther provides institutional-grade technology, compliance infrastructure, and multi-custodian access. You get the personal relationship of an independent advisor backed by a platform built to manage wealth at scale. You see every holding, every fee, and every transaction in real time. Transparent reporting. No product commissions. Every material conflict is disclosed in our Form ADV.

100% fee-only. We do not sell insurance or annuities. We earn no commissions or product-sales compensation. That is how it should work.

Across the 30A Corridor

We serve families in every community along 30A.

The 30A corridor is not a single market. Each community along the scenic highway has a distinct character, a distinct buyer profile, and distinct planning implications. We work with year-round residents, seasonal owners, and families transitioning from primary home to second home across the corridor.

Rosemary Beach & Alys

High-end second-home markets where the planning overlay is often concentrated wealth, out-of-state tax coordination, and trust-owned property. Many buyers here own operating businesses elsewhere, and the property is as much a legacy asset as a residence.

Inlet Beach & 30Avenue

The eastern end of 30A, where more new construction, more short-term rental activity, and a wider range of price points change the cash-flow profile of ownership. Rental-income properties carry different planning considerations than primary residences.

Seagrove Beach & Seaside

The center of 30A. Long-time owners in older cottage-style homes, younger families buying into the area, and a stable year-round community. Estate planning for multi-generation ownership and step-up basis questions come up often here.

Watercolor & Watersound

Planned communities with active HOAs, club memberships, and amenity-driven buyer demographics. Many families here split time between 30A and a northern primary residence, which drives residency, healthcare, and multi-state estate coordination.

Santa Rosa Beach & Dune Allen

The bay side of 30A, where more year-round families and local professionals live. Planning here often centers on building careers, raising school-age children, and transitioning inherited property held by the family for decades.

Grayton & Point Washington

The old-Florida core of 30A. Long-held family homes, intergenerational ownership, and preservation-minded owners. Estate coordination, entity structures, and basis-management decisions dominate planning for families who have been here for generations.

Our office is at Destin Commons, a short drive from the western end of 30A. We meet in person throughout the corridor and coordinate remotely with clients who own here but live elsewhere.

Next Step

One conversation. No obligation.

Tell us where you stand and where you want to go. We will listen before we advise. There is no minimum account size for an initial conversation, and no obligation afterward. If we are the right fit, we will tell you how we can help. If we are not, we will tell you that too.

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5.0 from 19 Google reviews

Google Business Profile rating as of April 2026. Not compensated. Not representative of all client experiences.