Who I Help
Individuals and families approaching or living in retirement — many of whom are worried about running out of money, overwhelmed by financial decisions, or simply ready to delegate so they can enjoy what really matters.
- Pre-Retirees (50–65)
Planning for retirement within 5–10 years. Focused on taxes, income, and whether they've "done enough." - Retirees (65+)
Looking for a clear, tax-smart income strategy that lasts. Need help with investments, healthcare decisions, and legacy planning. - Widows & Widowers
Navigating finances alone, often for the first time. Looking for a steady, trustworthy guide to take the weight off.
The 3-Step Process
- Clarify Your Goals
We start with what matters most: lifestyle, family, fears, priorities. - Build Your Plan
I design a retirement income, tax, and protection strategy tailored to your situation. - Align Your Portfolio
I implement and manage your investments to support the plan, with regular reviews built in.
Meet Gio
I'm Giovanni "Gio" Fernandez, PhD, CFP®. After working in the family firm for over a decade, I fully took over after my father's passing in 2020 and have spent the years since building it into a firm I'm proud of: small, intentional, and built around real relationships.
My background in finance research shapes the way I think about investments, retirement income, taxes, and risk, which is careful, evidence-based, and focused entirely on what's right for you.
I live in DeLand, FL with my wife Mallory and our daughter Violet.