Pensacola is the economic center of Northwest Florida. NAS Pensacola, the Port of Pensacola, a growing healthcare sector, the University of West Florida, and a revitalized downtown. The families here have built wealth through diverse paths, and the planning they need should reflect that diversity.
Pensacola is not a single-industry town. It has a mature military sector anchored by NAS Pensacola and Corry Station, a healthcare system centered on Baptist, Ascension Sacred Heart, and the growing medical corridor, a maritime and logistics economy around the port, and a rapidly developing downtown attracting professionals and entrepreneurs. Each of these sectors produces families with distinct financial profiles.
Senior military officers retiring from NAS Pensacola often transition into defense contracting, consulting, or second careers. They carry complex benefit structures: military pensions, TSP accounts, VA disability ratings, TRICARE eligibility, and Survivor Benefit Plan elections. Coordinating these with civilian income, private investments, and estate planning requires an advisor who has worked with these structures before.
Healthcare professionals at Baptist, Sacred Heart, and the area's specialty practices have built significant income but face distinct challenges: student loan burdens, deferred compensation plans, practice ownership transitions, and malpractice insurance coordination. Business owners in downtown Pensacola and the Gulf Breeze corridor are navigating growth, succession questions, and the tax implications of closely held companies.
Many Pensacola families work with national firms in Jacksonville, Tampa, or Atlanta. Those firms assign you to a team that manages hundreds of clients. They apply models. We work regionally, understand the Pensacola economy, and build plans around how you actually live. We are based in Destin, about an hour east on I-10, and meet with Pensacola families both in person and virtually.
Different career paths create different financial complexity. We handle the full picture.
Pension analysis, TSP optimization, SBP elections, VA coordination, and civilian transition planning. We understand federal benefits and how they integrate with private wealth.
Learn more →Succession strategy, entity structuring, CEPA exit coordination, and tax optimization. Built for Pensacola business owners planning their next chapter.
Learn more →Diversified, tax-efficient portfolios. We coordinate across TSP rollovers, deferred compensation, and private investments to manage the full picture.
Learn more →Military pensions, Social Security, investment income, and part-time consulting. Multiple income streams require careful sequencing. We build plans that coordinate all of it.
Learn more →Trusts, titling, beneficiary coordination, and charitable strategies. Multi-generational planning that accounts for diverse asset types and family 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.