Miramar Beach sits at the intersection of two of Florida's most desirable corridors. Sandestin, Grand Boulevard, the Regatta Bay and Kelly Plantation communities. Full-time residents here have built significant wealth through business ownership, executive careers, and real estate. The financial planning they need reflects that complexity.
Miramar Beach is not a municipality. It is an unincorporated community in Walton County, stretching from the Destin bridge to the western edge of 30A. That distinction matters financially: property tax structures, homestead exemptions, and county services differ from neighboring incorporated cities. Your advisor should know this.
The families we work with in Miramar Beach tend to fall into a few distinct profiles. There are full-time residents in communities like Sandestin, Kelly Plantation, and Regatta Bay who have relocated from larger metros and brought significant assets with them. There are vacation rental investors managing portfolios of short-term rental properties along Scenic Gulf Drive and the beach communities. There are executives working out of the Grand Boulevard corridor or commuting to larger cities while maintaining their primary residence here. And there are retirees who chose Miramar Beach for its proximity to both Destin's amenities and 30A's character.
Each of these profiles creates a different financial picture. Rental property owners need tax strategies that account for depreciation schedules, 1031 exchange opportunities, and seasonal cash flow variability. Executives relocating from high-tax states face asset repositioning decisions that have long-term consequences. Retirees need income sequencing that coordinates pensions, Social Security, and investment withdrawals while accounting for Florida's favorable but nuanced tax landscape. We handle all of it.
We are based in Destin, less than 10 minutes from Miramar Beach. We work with families in this community regularly and understand the real estate dynamics, the business environment, and the lifestyle priorities that shape financial decisions here.
Your financial situation is shaped by where you live and how you got here. We plan accordingly.
Short-term rental income, depreciation schedules, 1031 exchanges, property tax planning. We coordinate real estate holdings with your broader financial plan.
Learn more →Diversified, tax-efficient portfolios designed for your timeline. We coordinate across accounts and manage transitions from concentrated positions carefully.
Learn more →Income sequencing, Social Security optimization, healthcare planning, lifestyle budgeting. Retirement plans that track to how you actually want to live in Miramar Beach.
Learn more →Moved from a high-tax state? We coordinate the asset repositioning, domicile planning, and ongoing tax strategy that Florida relocations require.
Learn more →Trusts, titling, beneficiary coordination, and charitable strategies. Multi-generational wealth planning built for families with complex asset structures.
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 →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.