Rosemary Beach was built with discipline -- 12 building types, a pattern book that governs every facade, and a walkable footprint that commands a premium. The families who own here expect that same level of care in their financial plan.
Rosemary Beach attracts a specific buyer: design-conscious, globally connected, and willing to pay for architectural integrity. Average individual income exceeds $107,000, and property values reflect the scarcity that strict building codes create.
Carrying costs here are material. On a $2M single-family home, annual ownership costs beyond the mortgage run $31,000 to $60,000 when you account for HOA dues, wind and flood insurance premiums, and accelerated coastal maintenance. That is 1.6% to 3% of property value each year -- a number that changes retirement projections and cash flow plans meaningfully.
Vacation rental income can offset some of those costs, but Rosemary Beach requires HOA approval plus county and state licensing. The compliance overhead is higher than in less controlled communities, and the administrative burden needs to be factored into any rental income projection.
Our office is at Destin Commons, a short drive from Rosemary Beach. We work with families across 30A who are managing exactly this kind of complexity -- high carrying costs, architectural restrictions that affect estate planning flexibility, and income streams that require careful tax coordination.
We work across the full spectrum of financial planning, with particular expertise in the issues Rosemary Beach 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 →Architectural restrictions create estoppel and modification limitations that affect long-term asset planning. We coordinate with your attorney to align property ownership with your broader estate strategy.
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.
NAPFA recommends asking these questions before hiring an advisor. Here are our answers.
Over 25 years in financial planning and portfolio management. That includes consulting community banks on asset-liability structure and risk management, hedging over $10 billion in fixed-income portfolios, and founding Aardvark Advisors in 2007 to manage a $120 million equity REIT portfolio. My experience across fixed income, equity, and real estate gives me a well-rounded perspective that informs every client relationship.
I hold four professional designations. I am a CFA Charterholder, which fewer than 1 in 5 candidates achieve. The Financial Times calls the CFA Charter the gold standard for financial professionals. I am also a Certified Financial Planner (CFP®), a Certified Exit Planning Advisor (CEPA®), and a Chartered Special Needs Consultant (ChSNC®). Each designation requires rigorous coursework, examinations, and ongoing continuing education.
FamilyVest is a comprehensive fee-only planning firm. During our planning process, we cover all facets of your financial life: estate planning, insurance reviews, income tax strategies, investment management, retirement planning, and special needs coordination. We get to know your goals and build a solution designed to help you achieve them. See our full planning approach.
We tailor strategies to meet the needs of each client specifically. We are not bound to any product or method. We construct portfolios that maximize the probability of long-term success while reducing ongoing volatility. Our emphasis is on controlling the things we can and preparing for the various probabilities of the outcomes we cannot. Learn more about our approach.
My practice ranges from single individuals and married families to those focused on wealth maximization and estate planning. I also specialize in planning for families with special needs. As a father of two sons on the autism spectrum, I bring a different level of understanding to the process. This combination of professional experience and personal experience gives me a unique ability to help families make the most of their future.
Clients of FamilyVest work directly with Todd Sensing. We bring in outside experts when appropriate. For example, when working on insurance planning, we engage fee-only actuaries with specific experience related to your situation. We do the analysis to help you get the right product at the right price.
I am a fee-only fiduciary financial advisor. I work for my clients and only my clients. I am independent, and my firm works with each client to develop a fee schedule that is fair and appropriate. I have adopted the Alliance of Comprehensive Planners (ACP) flat-fee retainer model of pricing, based on income, assets, and complexity. All fees are detailed in our Form ADV Part 2A.
Our clients typically find that our pricing model is lower and more transparent than both the traditional AUM percentage and commission-based pricing models. Our fee schedule: 1.00% on the first $2M, 0.85% on $2-$4M, 0.50% on $4-$10M, and negotiable above $10M. Advisory-only engagements are 0.25%. We deliver value, and we are transparent about what it costs.
Never. As a fee-only fiduciary, I receive no commissions, referral fees, or compensation from any product provider. The only people who benefit from my advice are my clients.
No. You can verify my regulatory record on FINRA BrokerCheck and the SEC Investment Adviser Public Disclosure database.
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.