Portfolio design
Asset allocation and diversification grounded in evidence, expected tradeoffs, and the role each account plays.
Services
One coordinated financial life.
Investment management and financial planning are not separate projects here. They are one ongoing service designed to help you make informed decisions and delegate the work required to carry them out.
01 Investment management
Evidence before opinion
A portfolio built for the job your money needs to do.
Investment decisions begin with your goals, time horizon, need for return, ability to take risk, tax situation, and future cash-flow needs. The portfolio is designed and monitored within that broader plan.
Account coordination
Asset location, tax characteristics, liquidity, and distribution needs considered across the household rather than account by account.
Ongoing discipline
Rebalancing, tax-loss harvesting, cash management, and withdrawals considered when appropriate as markets and your life change.
Clear judgment
Gio retains final investment judgment and explains the reasoning behind the decisions that matter.
02 Financial planning
Planning as a living process
The plan changes when your life does.
Financial planning is how we identify decisions early, compare the tradeoffs, and keep the different parts of your financial life moving in the same direction.
Retirement income
Turn accounts and benefits into a coordinated approach to spending, withdrawals, Social Security, Medicare, and long-term cash flow.
Tax-aware planning
Look ahead for decisions involving gains, losses, Roth conversions, charitable giving, account location, and withdrawal sequencing, in coordination with your tax professional.
Executive benefits
Bring equity compensation, retirement plans, deferred compensation, insurance, and concentrated positions into the broader plan.
Business-owner planning
Connect business cash flow, retirement plans, personal investments, risk decisions, and eventual transition planning.
Risk & insurance
Review the role of life, disability, long-term care, liability, and other protection within the complete financial picture.
Estate & legacy coordination
Help organize beneficiary, titling, charitable, and estate-planning decisions for implementation with your attorney and other professionals.
Where coordination matters
Connected decisions should be made together.
A retirement date can affect portfolio risk, tax brackets, healthcare, Social Security, and cash reserves.
A business distribution can affect estimated taxes, retirement-plan funding, liquidity, and investment timing.
A charitable gift can affect appreciated assets, deductions, estate goals, and the way future spending is funded.
Common questions
What clients often want to know first.
What does comprehensive wealth management mean at FWM?
It means investment management and financial planning are handled as one ongoing relationship. Portfolio decisions, taxes, retirement income, benefits, risk, and legacy considerations are coordinated around the same goals.
Does Gio work directly with every client?
Yes. Gio advises every household directly and retains final planning and investment judgment. The FWM team handles preparation, implementation, service, and follow-through.
Does FWM provide tax or legal advice?
FWM provides tax-aware financial planning and estate coordination, but does not provide tax or legal advice. When appropriate, the firm works with a client's tax and legal professionals so decisions can be implemented by the right professional.
Where does FWM work with clients?
FWM is based in DeLand, Florida and works with clients in Florida and beyond, subject to applicable registration, notice-filing, exemption, or exclusion requirements.
What happens in the introductory call?
The first conversation is a focused twenty-minute call about what is taking your attention, the help you want, and whether the relationship appears to make sense on both sides.
Start with a conversation
Ready to hand this off?
The first conversation is twenty minutes. We will talk about what is taking your attention, what you want help with, and whether the relationship makes sense on both sides.