Whether you're managing military ties to nearby bases, transitioning into retirement along the Emerald Coast, or planning for your family's next chapter, you need an advisor who understands Destin's unique dynamics. We're here.
Destin is a place of convergence. Retired military officers and senior federal employees from Eglin and Hurlburt Field. Retirees reshaping their lifestyle. Successful business owners in the tourism, construction, and professional services sectors. Families with second homes and seasonal income patterns. Each situation is distinct.
Many Destin families work with advisors in larger metros or rely on big-box financial firms that treat them like a client number. They're missing something critical: an advisor embedded in the community who understands your actual life, not a template version of it.
We're based here. We work with Destin families across the full range of financial complexity. For retired military and federal professionals, that means FERS, TSP, and survivor benefit coordination. For retirees, it's navigating the transition from career income to investment income. For business owners, it's managing the tax and cash flow complexity of seasonal businesses and second-home ownership.
Our office is at Destin Commons. We meet in person, know the local tax landscape, and understand the rhythm of the Emerald Coast. That proximity matters. It means we catch things that remote advisors miss, and we show up for our clients the way we'd want advisors to show up for us.
We work across the full spectrum of financial planning, with particular expertise in the issues Destin families face most often.
When can you step back from work? How do pensions, FERS, Social Security, and investment income sequence together? We build a coordinated plan for year one and beyond.
Learn more →A coordinated portfolio aligned to your timeline, tax situation, and risk tolerance. Not benchmarks. Your actual life.
Learn more →College funding, estate coordination, insurance alignment, cash flow mapping. Everything connected to one strategy.
Learn more →ABLE accounts, special needs trusts, Medicaid coordination. If you have a child or family member with special needs, we have deep expertise.
Learn more →FERS optimization, TSP strategy, survivor benefits, military discount coordination. We understand the military path.
Learn more →Transition planning, succession strategy, CEPA exit coordination, tax optimization. Built for business owners in the Destin corridor.
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 has 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 is 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 are 100% fee-only. No commissions. No product sales. Our only incentive is to give you the best advice we can. That is 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.