Moisand Fitzgerald Tamayo

What Moisand Fitzgerald Tamayo does

Moisand Fitzgerald Tamayo, LLC is a fee-only registered investment advisor founded in 1998 and headquartered in Orlando, Florida. The firm provides integrated wealth management services—including financial planning, tax planning, investment management, retirement planning, and estate planning—to retired and near-retired high-net-worth individuals and families, with a $1 million minimum in investment assets or substantial annual savings required to become a client. A specialized Aerospace & Defense Financial Planning service addresses complex equity compensation for employees of companies such as Northrop Grumman, L3Harris, NASA, SpaceX, Blue Origin, and United Launch Alliance. All advisors are CERTIFIED FINANCIAL PLANNER professionals as a minimum standard, and the firm employs three CPAs and seven Enrolled Agents capable of representing taxpayers before the IRS, allowing it to deliver actual tax advice rather than mere tax planning coordination.

The firm operates 12 offices across Florida (11 locations) and Texas (Dallas-Fort Worth), with secure virtual advisory engagements extending its national reach. Moisand Fitzgerald Tamayo charges an asset-under-management-based advisory fee (less than 1% annually for clients with over $2 million in investment assets and 0.50% or less above $2 million), with tax preparation available as a separate modest fee. The firm is 100% employee-owned, has a formal written succession plan to preserve its independence for generations, and uses third-party technology (notably Tamarac Inc. for the client portal) rather than proprietary platforms. No AI/ML capabilities are disclosed.

The firm has accumulated sustained industry recognition, including Forbes America's Top 250 RIA Firms (2023, 2024, 2025), USA Today Best Financial Advisory Firms (2024, 2025, 2026), CNBC Financial Advisor 100 (2025), and consistent placement on Financial Advisor magazine's RIA ranking at #236 in 2025. Approximately 25 professionals serve the client base, supported by a content-driven marketing approach spanning blog content, email newsletters, LinkedIn, YouTube, Facebook, Twitter/X, earned media contributions, client referrals, and educational speaking engagements.

Name

Moisand Fitzgerald Tamayo

Legal name

Moisand Fitzgerald Tamayo, LLC

Website

https://moisandfitzgerald.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Moisand Fitzgerald Tamayo is a 100% employee-owned fee-only RIA founded in 1998, serving high-net-worth retired and near-retired individuals and families across the United States from 12 offices in Florida and Texas through integrated financial, tax, retirement, investment, and estate planning services.

Ownership category

akta.pro rank

Product category

Wealth Management

NAICS

Portfolio Management and Investment Advice (523940)

SIC

Investment Advice (6282)

akta.pro primary industry

Financial Planning–Led RIAs (FSAAACAB)

akta.pro secondary industries

Registered Investment Advisor (RIA) Wealth Management (FSAEABAA), Fee-Only Advisory (FSAEAAAL)

Keywords

• Fee-only financial planning
• Wealth management services
• Retirement income planning
• Tax planning advisory
• Registered investment advisor

Headquarters

HQ city

Orlando

HQ country

United States

HQ region

North America

Offices12 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. AUM-Based Advisory Fees: The firm charges a percentage of assets under management (AUM). Clients with more than $2 million in investment assets typically pay less than 1% annually. Amounts above $2 million are billed at 0.50% or less. This fee integrates and coordinates tax planning, financial planning, investment management, retirement planning, and estate planning. Tax preparation and filing is available for a modest separate fee.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

Moisand Fitzgerald Tamayo is a fee-only, independent Registered Investment Advisor providing integrated financial planning, tax advice, investment management, retirement planning, and estate planning for high-net-worth and affluent individuals and families. The firm also offers a specialized financial planning service for aerospace and defense industry employees with complex compensation packages. All services are delivered under a single coordinated fee with a $1M minimum investment asset threshold.

Product overview

Moisand Fitzgerald Tamayo is a fee-only wealth management firm offering an integrated suite of financial services. The firm provides Tax Planning, Financial Planning, Retirement Planning, Investment Management, and Estate Planning as a coordinated package under one fee structure. Additionally, the firm offers a specialized Aerospace & Defense Financial Planning service for clients working at major defense contractors. All services are delivered by a team of CERTIFIED FINANCIAL PLANNER® professionals, CPAs, and Enrolled Agents who provide real tax advice with IRS representation capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Tax Planning

Quantifiable outcome

• Clients with over $2 million in investment assets pay less than 1% annually in advisory fees
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators11 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• Schwab Wealth Advisory: Custodian-affiliated RIA arm of Charles Schwab offering portfolio management and financial planning to Schwab clients. Overlaps with MFT's core services but is integrated into Schwab's custodial platform — MFT explicitly differentiates against Schwab's 'tax planning' positioning in its marketing.
• Carson Group: RIA platform serving independent advisor teams through partnerships, technology, and back-office support. Comparable in target client (HNW individuals) but operates as a partnership/affiliate network rather than a single employee-owned firm like MFT.
• Mariner Wealth Advisors: National RIA platform offering wealth advisory, financial planning, tax, and estate services to HNW clients. Comparable in offering and client segment, but has grown rapidly through acquisitions versus MFT's organic-only model.
• Edelman Financial Engines: Large national RIA combining Edelman Financial planning services with Financial Engines workplace advisory. Comparable offering set (planning, investment management) but at significantly greater scale and with employer-channel distribution MFT does not use.

Others

• XY Planning Network: Membership network of fee-only financial planning firms serving the HNW and mass-affluent market. MFT would be a representative member firm comparable in philosophy (CFP-led, fee-only, planning-first) — network plays an ecosystem role rather than competing directly.

Direct peers

• Creative Planning: Large fee-only RIA offering integrated financial planning, tax, and investment management for HNW individuals and families. Compares to MFT as a similarly structured, planning-led fiduciary firm — though Creative Planning has scaled far larger via acquisition and a multi-state footprint.
• Buckingham Strategic Wealth: Fee-only RIA focused on evidence-based investment management and financial planning for individuals and families, headquartered in St. Louis. Directly comparable to MFT on model: flat-fee fiduciary, comprehensive planning, no commissions or proprietary products.
• Ritholtz Wealth Management: Fee-only RIA led by Barry Ritholtz providing comprehensive financial planning and investment management for HNW individuals. Directly comparable on fiduciary-only positioning, transparent fees, and content-driven thought leadership marketing — though more nationally concentrated than MFT's regional office model.
• Surevest Wealth Advisors: Fee-only RIA offering comprehensive financial planning and investment management for individuals and families with offices across multiple U.S. states. Closely comparable mid-sized fee-only fiduciary firm in scale, model, and target client as MFT.
• Facet Wealth: Flat-fee financial planning firm offering CFP advice on a subscription basis with affiliated investment management. Compares to MFT on integrated planning-led model and transparent fee-only positioning, though typically serves a slightly lower asset tier.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xtwitter.com/search?q=moisand%20fitzgerald%20tamayo&src=typd&lang=en
• YouTubeyoutube.com/user/MFT210
• Facebookfacebook.com/MoisandFitzgeraldTamayo
• LinkedInlinkedin.com/company/moisand-fitzgerald-tamayo-llc

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moisand Fitzgerald Tamayo