Fee-Only Fiduciary | Rosemary Beach & 30A

Fee-Only Financial Planning and Investment Management in Rosemary Beach

Complex financial lives deserve advice built to match them.

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Who We Work With

Built for families with financial complexity.

Rosemary Beach attracts executives, retirees, and business owners who have built significant wealth and are deliberate about where and how they live. Many own property here as a primary residence or meaningful second home, often alongside real estate and investments in other states. The financial picture is layered: property holdings, business interests, retirement accounts, taxable investments, and sometimes family entities all need to work together.

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.

Multiple Income Streams, One Tax Return

Business distributions, investment returns, real estate rental income, and retirement withdrawals each carry different tax treatment and timing considerations. A comprehensive tax strategy coordinates all of them into one efficient structure rather than treating each in isolation.

Estate Plans That Match Reality

When you own property in multiple states and have complex assets, an estate plan built for simple scenarios falls apart. Titling, trusts, beneficiary designations, and succession planning must account for every piece. We coordinate with your attorney to ensure your plan works.

Portfolio Construction Beyond Real Estate

Building a diversified investment strategy that complements property holdings, business interests, and retirement assets. Your portfolio should reduce risk through diversification, not add concentration through too many similar assets or strategies.

Tax Strategy Across States and Entities

Multi-state property ownership, business entities, and investments create complexity across income tax, capital gains tax, and potentially entity-level taxes. Proactive planning coordinates decisions that affect multiple tax filings and reduces overpayment year after year.

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 30A corridor.

Destin 30A Navarre WaterColor Inlet Beach Santa Rosa Beach
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.