Seagrove Beach has been here since the 1940s -- before Seaside, before Rosemary, before the master plans. The families who choose Seagrove are buying character, proximity, and the most accessible price point on 30A. That still requires a plan.
Seagrove Beach is the largest community on eastern 30A with roughly 1,600 residents. It is not master-planned, not gated, and not governed by an architectural review board. That informality is the point. It is also what makes the financial planning different.
The housing stock ranges from original concrete block cottages built in the 1940s to new construction at current market rates. Average price per square foot sits around $598 -- the lowest on 30A. That accessibility draws first-time 30A buyers, families downsizing from pricier communities, and retirees who want the coast without the carrying costs of a resort-managed property.
Mixed-vintage properties carry deferred maintenance risk. Older cottages may need foundation, roof, or HVAC work that a new-construction buyer would not face. Renovation budgets need to be modeled alongside purchase price. And the absence of HOA governance means fewer restrictions but also fewer shared cost structures for infrastructure.
We are based at Destin Commons and serve families throughout the 30A corridor. Whether you are buying your first property on the coast, managing a rental, or planning for retirement in a community that lets you breathe, we can help you think through the numbers.
We work across the full spectrum of financial planning, with particular expertise in the issues Seagrove Beach families face most often.
When can you step back from work? How do pensions, 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 and personal experience.
Learn more →Mixed-vintage housing stock means deferred maintenance risk and renovation budgets. We model total ownership cost -- purchase price, repairs, and ongoing maintenance -- so you buy with clarity.
Learn more →Seagrove is the most accessible entry point on 30A. We help first-time coastal buyers and downsizers analyze the full financial picture before making the move.
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 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.