Fee-Only Fiduciary | Navarre & Emerald Coast

Fee-Only Financial Planning and Investment Management in Navarre

Build financial strength during your service years. Plan clearly for every transition ahead.

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Who We Work With

Built for families with financial complexity.

Navarre sits on the Gulf Coast between Pensacola and Destin, home to military families stationed at Hurlburt Field, Eglin Air Force Base, and Naval Station Pensacola. The community attracts younger service members and families building their financial foundations during active-duty years. You will find active-duty officers and enlisted personnel here, along with spouses navigating dual-career planning and families preparing for relocation orders. Others have retired from military service and settled in Navarre for its affordability, Gulf access, and strong schools. Whether you are in your first tour or your last, the financial planning demands of military life are specific and demanding.

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.

Roth TSP Strategy During Active Duty

Maximizing Roth contributions while income is lower, sequencing withdrawals in retirement, and coordinating TSP strategy with civilian spouse income if applicable. Early Roth conversions during service years can save hundreds of thousands in lifetime taxes.

PCS Moves and Real Estate Decisions

Buy vs. rent decisions at each assignment. Converting primary residences to rentals across multiple states. Property management from distance. Tax implications of selling military-connected properties. Each PCS creates timing and coordination challenges.

Military Spouse Career Coordination

When both spouses have careers with different trajectories, frequent moves disrupt civilian employment. Planning must account for income gaps, career portability, and retirement account coordination when spouses have vastly different earning histories and benefit structures.

Active Duty to Civilian Transition

Whether retirement comes at 20 years or you transition earlier, the financial shift is dramatic. Pension vs. lump-sum elections, VA disability opportunities, civilian career entry, and rebuilding an investment portfolio all demand coordinated strategy.

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. Todd leads the team, including Elliot Klein, in every client engagement at FamilyVest. With 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 proprietary products. No revenue sharing. No conflicts of interest.

100% fee-only. No commissions. No product sales. We do not sell insurance or annuities. We do not earn referral fees. Our only incentive is to give you the best financial advice we can. That is how it should work.

Emerald Coast

Communities We Serve

FamilyVest provides fee-only financial planning across the Emerald Coast and Northwest Florida.

Destin 30A Rosemary Beach WaterColor Inlet Beach Pensacola
Navarre in Context

A military community with a different wealth profile.

Navarre sits between Hurlburt Field to the east, NAS Whiting Field to the north, and Pensacola NAS to the west. That geography shapes who lives here. A meaningful share of Navarre households include an active-duty service member, a recent retiree from the Air Force or Navy, a defense contractor supporting Special Operations Command, or a civilian employee with a federal pension. The real-estate market reflects that. Homes are more modest than 30A, turnover is higher as PCS orders come through, and the financial questions look different than they do thirty miles east.

For military families, the central planning questions are typically Thrift Savings Plan allocation and withdrawal sequencing, High-3 versus Blended Retirement System decisions for those still accruing, SBP (Survivor Benefit Plan) elections at retirement, VA disability coordination with taxable pension income, and state-of-domicile selection for military pay. For federal civilian households the questions shift to FERS annuity decisions, FEHB continuity, and TSP rollover timing. These are not topics most local advisors work through with any depth. We do. Internal links: planning for veterans and military families, and retirement planning.

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.