Broker Check
(561) 210-7339
Members Only
Rated 5 out of 5 on Google

Certified Financial Planner In Fort Lauderdale, FL. Built Around Your Whole Life.

Certified financial planners in Fort Lauderdale, FL, working with downtown executives, marine-industry owners, and waterfront property households. Our financial planning covers deferred compensation, seasonal business cash flow, and real estate integration.

Schedule A Consultation Call (954) 809-3553
  • Fiduciary CFP®
  • Fee-Based
  • 7 Miles To Plantation Office
  • 50-State Licensed
How A Financial Planning Relationship Works

The Fort Lauderdale CFP Relationship

Discovery Meeting

The first meeting is a conversation, not a sales pitch. We map what you have, what you owe, what you're planning for, and where the real decisions are.

A Written Plan

You get a written plan you can actually follow. Cash flow, tax positioning, insurance review, retirement drawdown sequence, and estate hand-off, all in one document.

Quarterly Reviews

Meetings run on a real quarterly cadence, not once-a-year check-ins. The plan flexes as your life and the tax code change.

Certified Financial Planners

Our Certified Financial Planner is verifiable through the CFP Board directory. Required to put your interests first.

Fee-Based CFPs

Advisory work is fee-based and disclosed in writing before work begins. Where commissions apply (insurance, annuities), they're disclosed separately.

Licensed In All 50 States

The relationship continues if you move. Same advisor, same plan, from anywhere in the country.

Certified Financial Planners For Fort Lauderdale

Our Certified Financial Planners For Fort Lauderdale Residents

Fort Lauderdale is the county seat of Broward County, with a workforce concentrated in commercial legal firms, corporate finance, marine industry, and healthcare. The recurring reasons households here start looking for a financial advisor are downtown executive deferred compensation coordination, marine and boat-industry variable income planning, and waterfront real estate integration.

Because that profile defines the base here, the Census tracks a median household income of $78,000 in Fort Lauderdale. But the picture varies sharply between the marine-services corridor at Port Everglades and the waterfront enclaves along Las Olas. That contrast is why the recurring planning conversations here span both business-owner cash-flow smoothing for founders with variable seasonal income and portfolio-and-estate work for waterfront-property households navigating rising insurance and reserve costs.

Key Planning Areas

What Our Fort Lauderdale Certified Financial Planners Cover

Executives And Partners

Downtown executives and legal partners face variable income streams, deferred comp elections, and tax planning around law firm capital accounts. The plan gets built around actual compensation.

Maritime Cash Flow

Marine service, charter, and boat brokerage businesses have seasonal cash flow. We size a household reserve so slower months never force personal draws from the business at bad moments.

Fiduciary CFP Standards

A fiduciary is legally required to recommend what fits the plan, not what pays the highest commission. At executive income tiers the wrong recommendation costs more in absolute dollars.

Deferred Comp Modeling

Non-qualified deferred comp elections are permanent. The distribution timing and residency state both shape the after-tax result for years. We model both before enrollment closes.

Waterfront Retirement

Waterfront properties carry meaningful ongoing costs. The liquid portfolio has to cover them without forcing a sale during a soft market. The cash sleeve is sized to the actual fixed-cost picture.

Choosing A Fiduciary CFP

Downtown Fort Lauderdale has a dense advisor market. First-call questions still surface most of what matters: Are you a fiduciary? Do you hold the CFP®? How are you compensated, in writing?

Schedule Your Complimentary Consultation

No obligation. We respond the same business day.

I am Interested In
Approximate Household Income Range
Thank you! Your message has been received. Oops! Something went wrong. Please try again.
Related Services

The Full Fort Lauderdale Advisory Menu

What we don't do.

Contact Us Today

We don't lead with proprietary products, structured notes, or non-traded REITs as a portfolio building block. We don't take custody of your assets. We don't promise market-beating returns. The honest answer is that nobody who has to tell the truth to a regulator can.

ADDITIONAL INFO

Particular Financial Planning Strategies For Fort Lauderdale Residents

Urban Corridors in Fort Lauderdale

Evaluating Advisors In Commercial And Urban Corridors

Fort Lauderdale is Broward County's commercial center, home to 183,000 residents and a median household income of $78,000. The city features a diverse economic base including maritime enterprises, international trade, commercial law firms, real estate development, and downtown corporate offices.

Choosing the right advisor requires identifying professionals who operate as fiduciaries. Under the Investment Advisers Act of 1940, registered investment advisers must put client interests first across all financial planning interactions. In waterfront neighborhoods like Rio Vista, Colee Hammock, and Coral Ridge, residents should review an advisor's Form ADV filings to evaluate fee structures, service models, and background disclosures.

Working with an independent fiduciary confirms that recommendations regarding business cash flows, real estate holdings, and corporate executive benefits focus on your long-term goals.

Founders in Fort Lauderdale's marine and commercial industries

Behavioral Coaching For Founders With Variable Cash Flow

Founders in Fort Lauderdale's marine and commercial contracting industries often handle variable cash flows across seasonal market cycles. In marine service corridors near the New River and Port Everglades, business income can fluctuate meaningfully throughout the year.

Our CFP's personal trainer for money coaching frame provides structure for business owners. The advisor establishes systematic capital accumulation targets, sets up cash buffers, and enforces automated monthly transfers from business accounts into personal investment accounts.

By establishing cash reserves and systematic investment schedules, business founders across Fort Lauderdale build personal wealth independently of their operating businesses.

financial planner in Fort Lauderdale

Verifying Independent RIA And Broker-Dealer Registrations

Before partnering with a financial planner in Fort Lauderdale, residents should verify the firm's registration and regulatory standing. Independent Registered Investment Advisors (RIAs) are regulated either by the Securities and Exchange Commission or state securities authorities, depending on their assets under management.

Investors can conduct thorough background reviews using public tools: SEC Investment Adviser Public Disclosure (IAPD), reviews Form ADV Part 1 and Part 2A disclosures, detailing advisory services, fee schedules, and ownership details; FINRA BrokerCheck, checks individual background records, broker registrations, and regulatory disclosure histories.

Checking these public databases allows Fort Lauderdale residents in Las Olas Isles, Harbor Beach, and surrounding neighborhoods to select an advisory partner with confidence.

RELATED READING

More From The Financial Planning Blog

Posts our planning team has put together on this topic.

Image for And the Executor Is

And the Executor Is

The right executor may help ensure the distribution of your assets is done with as little upheaval as possible.

Image for Financial Aid for Students 101

Financial Aid for Students 101

Help your college-bound child explore scholarships, grants, and more with this article on paying for higher education.

Image for FIRE Retirement

FIRE Retirement

This short, informative article teaches the basics of the FIRE movement.

Questions, Answered

Frequently Asked Questions

Yes. A CFP(R) acts as a fiduciary during each advisory engagement under CFP Board's Code of Ethics and Standards of Conduct. We are legally obligated to put your interests first, disclose conflicts in writing, and document each recommendation. Compensation is advisory fees billed to the household under Form ADV Part 2A; brokerage execution is coordinated through J.W. Cole Financial, our broker-dealer.

Both structures work, depending on account size and complexity. Below $1M in investable assets, a flat annual advisory fee is usually cheaper and more predictable because the fee is tied to the plan rather than the balance. Above $1M, a tiered AUM percentage (typically 0.50% to 1.00% per year) scales down and can run less than a comparable flat fee. We size the engagement to whichever structure costs less for your household.

Four things: active CFP(R) certification verified at cfp.net, fiduciary status disclosed on Form ADV Part 2A, a written engagement scope with specific deliverables (plan, Investment Policy Statement, year-end tax memo), and transparent fee disclosure before the first meeting. Avoid firms that will not commit to all four in writing.

A CPA focuses on tax preparation, audit, and compliance filings. A CFP(R) focuses on the full household plan: cash flow, Investment Policy Statement, retirement income, risk management, and estate coordination. Tax strategy is one input in a CFP(R) engagement, not the primary deliverable. Many households keep both, with the CPA preparing annual returns and the CFP(R) building the plan the CPA plugs into.

Yes. For hospitality owner sales in Fort Lauderdale, we build the proceeds timing into the plan before the LOI signs. That covers Section 1202 QSBS review if your entity structure qualifies, installment-sale election if staged, and a Roth-conversion window if the sale year drops you into a lower marginal bracket. We work directly with your CPA on the 1040 and K-1 reconciliation.

Yes. Florida charges 6% sales/use tax on vessel purchases, capped at $18,000, with Broward's 1% discretionary surtax capped at $5,000 on taxable amount. Common structures to reduce exposure include out-of-state LLC titling paired with a specific residency plan, or a cruising-permit arrangement for non-residents. We coordinate with your maritime attorney before closing so the structure is in place at the DMV filing.

Our Plantation office serves Fort Lauderdale households. The office is at 7901 SW 6th Court, Suite 320, Plantation, FL 33324. From Fort Lauderdale, the drive is about 15 minutes west on I-595. We meet in person at the office or virtually through our secure client portal, Monday through Friday, 8:30 AM to 4:30 PM ET.

Yes. Every Fort Lauderdale engagement supports both in-person and virtual meetings through our secure client portal. Document review, screen share, and plan sign-off all work remotely. Many clients mix the two, starting in person for the discovery call and running quarterly reviews over video.

Find Us

Two offices, one team.

Boca Raton (Home Office)

1200 North Federal Highway, Suite 300

Boca Raton, FL 33432

(561) 210-7339

Monday to Friday, 8:30 AM to 4:30 PM ET

Plantation

7901 SW 6th Court, Suite 320

Plantation, FL 33324

(954) 809-3553

Monday to Friday, 8:30 AM to 4:30 PM ET

Find Us

Plantation Office

Plantation

7901 SW 6th Court, Suite 320
Plantation, FL 33324
(954) 809-3553
Monday to Friday, 8:30 AM to 4:30 PM ET

Get Directions To The Office →

Neighborhoods We Serve In Fort Lauderdale, FL

  • Las Olas Isles
  • Victoria Park
  • Rio Vista
  • Harbor Beach
  • Coral Ridge
  • Coral Ridge Country Club
  • Imperial Point
  • Flagler Village
  • Downtown Fort Lauderdale
  • Colee Hammock
  • Sailboat Bend
  • Lauderdale Isles
  • Seven Isles
  • Nurmi Isles
  • Idlewyld
  • Bay Colony
  • Bermuda Riviera
  • Croissant Park
  • Lauderdale Harbours
  • Poinsettia Heights
  • Middle River Terrace
  • Riverside Park
  • Shady Banks
  • Galt Ocean Mile
  • Lake Ridge
  • Progresso Village
  • Tarpon River
  • Edgewood
  • Melrose Park
  • Sunrise Key

Ready to talk about Financial Planning?

The first meeting is a conversation, not a sales pitch. We'll talk about where you are, what you're working through, and whether Intercoastal is the right fit. In person in Boca Raton or Plantation, or by video from anywhere.

Schedule A Consultation