Atlanta families have been making the five-hour drive to 30A for years. When the weekend house becomes the permanent plan, or when life demands an advisor who understands families with complexity, the financial planning has to change. We made the move. We help families plan theirs.
The I-85 corridor has made 30A Atlanta's coastline for decades. Roswell, Alpharetta, Buckhead, Midtown, East Cobb. Families with roots in Atlanta's tech sector, healthcare systems, and professional services firms are increasingly making the Emerald Coast a permanent move, not just a vacation.
That transition carries more financial complexity than most families anticipate. Georgia taxes income up to 5.49%. Florida does not. For a household earning $400K or more, that difference alone can represent $20,000+ annually in tax savings, but only if domicile is established properly and the transition is sequenced correctly. Roth conversions, stock option exercises, deferred compensation payouts, and capital gains all need to be timed around the move.
Beyond taxes, estate plans drafted under Georgia law may not align with Florida's homestead protections and elective share rules. Real estate timing between selling an Atlanta home at peak value and purchasing on the coast requires cash flow modeling that accounts for bridge financing, temporary housing, and the seasonal dynamics of the 30A market. Insurance needs shift. Healthcare networks change.
These are the details that remote advisors or Atlanta-based planners unfamiliar with the Emerald Coast consistently miss. We live here. We have helped families navigate this exact transition.
Whether you are two years from your move or already unpacking boxes, we work across the full spectrum of financial planning with particular focus on the issues Atlanta families face.
Domicile establishment, income timing, Roth conversion sequencing, and capital gains optimization around your Georgia-to-Florida transition.
Social Security optimization, pension decisions, required minimum distributions, Medicare coordination, and the transition from career income to investment income.
Learn more →Georgia-to-Florida estate plan review, homestead protection alignment, beneficiary designation audit, and trust structure updates for your new state of domicile.
A coordinated portfolio aligned to your timeline, tax situation, and risk tolerance. Tax-loss harvesting timed around your state tax transition.
Learn more →Cash flow modeling for sell/buy timing, bridge financing analysis, second-home vs. primary residence tax implications, and 30A seasonal market dynamics.
For families navigating disability planning, special needs trusts, ABLE accounts, or Medicaid coordination alongside a relocation, we bring expertise most advisors cannot.
Learn more →Todd Sensing, CFA, CFP®, CEPA®, ChSNC®, spent two decades in institutional finance: managing equity portfolios, consulting community banks on fixed-income hedging strategies, and building the Aardvark Market Neutral Fund from scratch. He moved his family to the Emerald Coast in 2010 and launched FamilyVest in 2017, bringing that same institutional discipline to a practice built around families instead of institutions.
FamilyVest operates through Farther, combining the personal relationship of an independent advisor with institutional-grade technology and compliance infrastructure. We are 100% fee-only. No commissions. No product sales. Our only incentive is to give you the best advice we can.
Our office is at Destin Commons. We know the local real estate market, the seasonal rhythms of the coast, the school districts, the healthcare networks, and the financial landscape that Atlanta families step into when they make the move. That knowledge is not something you can acquire from a distance. It is something you earn by living here.
Todd is the father of two sons with autism. He holds the Chartered Special Needs Consultant (ChSNC) designation. This is not a service line. It is personal.
For Atlanta families with a special needs dependent considering a move to Florida, the planning is layered. Georgia's Medicaid waiver programs (NOW and COMP) have different structures than Florida's iBudget waiver. ABLE account rules are consistent federally, but state tax treatment and plan options vary. SSI benefits transfer, but Medicaid eligibility must be re-established. A special needs trust drafted in Georgia remains valid, but the trustee structure and investment provisions may need updating for Florida-specific considerations.
We help families work through every layer of this. Not from a textbook. From the same lived experience.
Our special needs planning approach →The best time to plan a relocation is 12 to 24 months before it happens. Whether you are still in Buckhead or already on 30A, one conversation will tell you where you stand.