Advice held to a higher standard — yours.
Objectivity. Integrity. Fiduciary.
We serve our clients in a fiduciary capacity — advice legally and ethically bound to your best interest, not to the sale of a product. Our approach is process before products: a comprehensive, flexible financial strategy customized to your goals, your business commitments, and your family situation, built to adapt as your life evolves. We are transparent and objective about fees, costs, investment selections, and strategies — and we walk beside you through every life stage, helping you avoid emotional mistakes and stay on the path to financial freedom.
No obligation. An introductory conversation to determine whether we are the right fit for one another. Book a 30-minute Introductory Consultation with Tony Adamo or Chris Ritacca.
Meet Tony and Chris
Tony Adamo, AIF® & Chris Ritacca, AIF®
Co-Founders
Wealth Advisors Who Care about:
Serving Tampa Bay
Fiduciary wealth advice, close to home
We serve clients across the Tampa Bay area. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business. Choose your city to see how fiduciary financial planning works for people who live and work there.
Who We Serve
Built for people at consequential financial moments
We partner with CEOs, business owners, university faculty, divorcees, and professionals who want to retire happy without worry. We keep our client base focused so the planning stays deep rather than broad.
CEOs & Executives
Compensation structures, concentrated positions, and benefit decisions that deserve advice as considered as the careers behind them.
Learn more →Business Owners
Planning that connects the business and the household — from growth years through transition and beyond.
Learn more →University Faculty
Retirement systems, supplemental plans, and academic career patterns that call for specialized, patient planning.
Learn more →Individuals Navigating Divorce
Clear financial guidance through a difficult transition — understanding assets, settlements, and the fresh start that follows.
Learn more →Professionals & Retirees
Professionals building toward retirement, and retirees drawing on what they built — with a plan for retiring happy, without worry.
Learn more →Our Services
Four service lines, one integrated plan
As listed on our firm's website: Financial Planning, Business Advisory Services, Qualified Plan Solutions, and Insurance Solutions — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning designed around your life — retirement, income, investments, Social Security, tax, estate and legacy, asset protection, and more.
Explore the service →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore the service →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan.
Explore the service →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity. Offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
Our Financial Blueprint™ process
A simple, personalized process designed around you — six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Client Testimonials
What Our Clients Say
Showing 24 of 30 Google reviews
The quotes above include client testimonials and non‑client endorsements that come directly from Google reviews. It may include positive and negative statements. We moderate submissions only using objective criteria (e.g., spam, profanity, unlawful content), not to favor positive over negative statements. No compensation was provided for any testimonial or endorsement, and they are displayed in reverse chronological order. Individual experiences may vary and are not indicative of future results.
About Your Advisors
Meet the Founders
Wealth Advisors Who Care is led by its two co-founders — Tony Adamo, AIF® and Chris Ritacca, AIF® — who plan for clients together, under the same fiduciary standard.
Tony Adamo, AIF® — Co-Founder, Wealth Management Advisor
Tony Adamo, AIF® is an Investment Advisor Representative of IFP Advisors, LLC, conducting advisory business as Wealth Advisors Who Care in Florida. He holds a Bachelor of Business Administration in Management from Hofstra University (1980). Before joining IFP Advisors, LLC in 2018, he served as a Wealth Management Advisor at TIAA-CREF from 2013 to 2018.
His Form ADV Part 2B brochure supplement reports no disciplinary actions or regulatory disclosure events. You can verify his background through the SEC's Investment Adviser Public Disclosure site and FINRA BrokerCheck — links are in the footer of every page.
Chris Ritacca, AIF® — Co-Founder, Wealth Management Advisor
Chris Ritacca, AIF® is a Co-Founder of Wealth Advisors Who Care and a Wealth Management Advisor, with more than a decade of experience in the financial services industry. He specializes in helping individuals, families, professionals, and retirees align their investments and financial strategies with the life they envision most. Chris believes great financial planning begins with listening — building objective, customized strategies around what matters most to each client, not around products or corporate sales goals.
Before co-founding Wealth Advisors Who Care alongside longtime friend and business partner Tony Adamo, Chris began his career at Janus Henderson and later served as an Associate Wealth Management Advisor at TIAA. He earned his Bachelor of Arts in Psychology from the University of Colorado Boulder, and holds securities registration licenses, life, health & variable annuity insurance licenses, and the Accredited Investment Fiduciary® (AIF®) designation.
A Coordinated Professional Team
Your plan, supported by allied professionals
Sound financial planning rarely lives in one office. Through our registered investment adviser, Independent Financial Partners, our practice coordinates with a network of allied professionals, so the advice you receive in one area is consistent with the advice you receive in every other.
Estate Planning Attorneys
Wills, trusts, and wealth-transfer documents aligned with your financial plan.
CPAs
Tax preparation and planning coordinated with your investment and income strategy.
Business Transition Consultants
Guidance for owners planning succession, sale, or transition of their business.
Business HR Services
Support for the people side of running and eventually exiting a business.
Mortgage & Reverse-Mortgage Specialists
Housing and lending decisions evaluated inside your overall plan, not apart from it.
Family Law Attorneys
Legal counsel coordinated with financial guidance for clients navigating divorce.
Insurance Professionals
Coverage specialists who help address the protection side of a complete plan.
Your Advisor, Coordinating
One point of contact who keeps the whole team — and your plan — moving in the same direction.
Begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Our Services
Comprehensive planning designed around YOUR life
These are the services as listed on our firm's website — four service lines: Financial Planning, Business Advisory Services, Qualified Plan Solutions, and Insurance Solutions. Great financial planning begins with understanding what matters most to you: your family, your goals and concerns, your lifestyle priorities, your retirement vision, and your business and legacy objectives. From there, we build customized strategies designed to align your wealth with the life you want to live — presented clearly, professionally, and transparently, so you always understand the “why” behind the strategy.
Financial Planning
Comprehensive planning designed around your life. We take the time to learn about your family, your goals and concerns, your lifestyle priorities, your retirement vision, and your business and legacy objectives — then build customized strategies to align your wealth with the life you want to live. We simplify complex financial decisions and present recommendations clearly, professionally, and transparently.
See “Ways to Work With Us” below for the Retirement Blueprint Financial Plan and ongoing wealth management options.
Areas of Expertise
Our services include:
- Retirement Planning
- Retirement Income Planning
- Investment & Risk Management
- Social Security Optimization
- Estate & Legacy Planning Strategies
- Tax-Efficient Planning
- Asset Protection Strategies
- Financial Planning for Business Owners
- Wealth Management
- Insurance & Risk Analysis
Business Advisory Services
Delivered through our Integrated Business Solutions Team™ — a coordinated, turn-key team of professionals across disciplines, aligning legal, tax, financial, retirement, and succession strategies for business owners, so the business and the household are planned together rather than in separate silos.
The Integrated Business Solutions Team™ — five disciplines
Qualified Plan Solutions
Your workplace retirement plan should not sit apart from the rest of your financial life. Our qualified plan solutions address both sides: helping businesses offer a plan that is easy to start and run, and helping individuals manage their 401(k) together with their other accounts under one personalized financial plan.
Two offerings
Insurance Solutions
Insurance & income planning solutions, as described on our Pricing page under “Beyond Investments: Insurance & Income Planning Solutions.” All solutions are reviewed in a fiduciary capacity, and any commissions are paid by the insurance company, not the client.
Visit Gulf Coast Insurance Solutions →
Discuss Insurance Solutions — Insurance Solutions are offered through Gulf Coast Insurance Solutions, a DBA of AA Wealth Management, LLC.
Solutions include
- Life Insurance — Term, Whole, Universal
- Fixed & Fixed Indexed Annuities
- Long-Term Care Planning
Ways to Work With Us
Engagement plans & pricing
Figures are as published on the firm's Pricing page. Choose the engagement that fits where you are — a one-time Retirement Blueprint, ongoing wealth management, or flat-fee Tele-Wealth.
Minimum relationship: $250,000 — for ongoing wealth management (Option 2).
Option 1
Retirement Blueprint Financial Plan
One-time fee — credited back 50% if you become an ongoing client.
For: second opinions, DIY investors, and pre-retirees within 5–10 years of retirement.
Includes
- Retirement Income Strategy
- Social Security Optimization
- Investment Analysis & Risk Assessment
- Tax-Efficient Withdrawal Strategy
- Estate & Legacy Considerations
- Monte Carlo Probability Analysis
Option 2
Ongoing Wealth Management
Comprehensive planning + active investment management.
| $250K – $1M | 0.95% |
| $1M – $3M | 0.80% |
| $3M+ | 0.60% |
$3,500 minimum annual fee, plus a $995 one-time financial planning fee.
Includes
- Ongoing financial planning
- Retirement income distribution strategy
- Tax-efficient investing including tax-loss harvesting
- Portfolio construction & rebalancing
- Estate planning coordination
- Direct access to your fiduciary advisor
- Unlimited meetings — by video, or in person at the IFP office in Tampa (by appointment only) or at your home or place of business
- Ongoing plan updates at no additional cost
Option 3 — Tele-Wealth
Flat-Fee Wealth Management
Flat fee annually, via virtual platform. Positioned for $750K–$2M households who prefer predictable pricing.
Includes
- Full investment management
- Unlimited reviews via phone or virtual meeting
- Retirement income strategy
- Tax strategy & coordination
- Unlimited access & reviews
Insurance solutions above are separate from advisory fees; any insurance commissions are paid by the insurance company, not the client.
Not sure which service fits?
That is precisely what the complimentary Discovery Meeting is for. We will listen first, then tell you plainly which — if any — of our services would serve you. You can also schedule a complimentary 30-minute Introductory Consultation with Tony Adamo or Chris Ritacca. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Who We Serve
Focused on the clients we can serve best
We partner with CEOs, business owners, university faculty, divorcees, and professionals who want to retire happy without worry. The profiles below describe the situations our planning is designed for; the considerations listed are the ones that typically arise in each — raised here so you can judge the fit for yourself.
CEOs & Executives
Senior roles come with compensation structures that demand active management: equity awards on vesting schedules, deferred compensation elections, and employer stock that can quietly come to dominate a balance sheet.
- Concentrated employer-stock risk and diversification strategy
- Equity compensation: RSUs, options, and ESPP decisions
- Deferred compensation election timing
- Maximizing employer benefits within an overall plan
- Tax planning for high and variable income years
Business Owners
For owners, the business is usually the largest asset and the largest risk at once. Planning has to serve the household and the enterprise together — long before any exit is on the table.
- Succession and exit planning, coordinated with business transition consultants
- Liquidity-event preparation and post-sale investing
- Retirement plan selection for owners and key employees
- Separating personal wealth from business risk
- Coordination with CPAs and business HR services
University Faculty
Academic careers come with distinctive retirement structures — institutional retirement plans, sabbaticals, and phased retirements — that reward early, specialized attention.
- University retirement plan allocation and supplemental savings
- Coordinating institutional benefits with personal accounts
- Phased retirement and sabbatical income planning
- Consolidating accounts from prior institutions
- Retirement income design for long academic retirements
Individuals Navigating Divorce
Divorce is a financial event as much as a legal one. Clear-eyed analysis during the process — and a rebuilt plan afterward — can shape your financial life for decades.
- Understanding the full marital balance sheet
- Evaluating settlement options and their long-term effects
- Coordination with family law attorneys
- Rebuilding budgets, accounts, and beneficiary designations
- A forward financial plan for your next chapter
Professionals & Retirees
Whether you are building toward retirement or already drawing on what you built, the goal is the same: retire happy, without worry — with income you understand and a plan you can follow.
- Retirement income and withdrawal sequencing
- Social Security claiming strategy
- Roth conversion and tax-bracket management
- Staying on plan through market ups and downs — without emotional mistakes
- Longevity and long-term-care risk planning
Families Seeking Long-Term Financial Confidence
As listed on our Financial Planning page — families who value personalized advice, fiduciary guidance, and a boutique experience built around relationships, not sales quotas.
- Planning aligned with family, lifestyle, and legacy objectives
- Preparing for retirement with confidence and clarity
- Seeking a second opinion on a financial strategy
- Coordinating planning across life transitions
Recognize your situation above?
The next step is a conversation. We will tell you honestly whether our practice is the right home for your planning — and if it is not, we will say so.
Our Process
Our “Financial Blueprint” Process
A simple, personalized process designed around YOU — as published on our Financial Planning page. Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews, including complimentary updates to your Financial Blueprint™.
Schedule Your Complimentary Discovery Meeting
Decide you are ready to take control of your financial future. Schedule a complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business — and our team will guide you through the next steps.
Get to Know Each Other
During the Discovery Meeting, we'll discuss your goals and priorities, your retirement vision, your concerns and opportunities, and our planning philosophy and process. Together, we'll determine whether we are the right fit for a long-term partnership.
Organize Your Financial Picture
We gather and review important financial information, including income & expenses, investments & retirement accounts, real estate holdings, insurance coverage, liabilities & debt, and estate planning considerations. This creates the foundation for your customized financial strategy.
Build Your Financial Blueprint™
Our team develops a comprehensive financial plan tailored to your goals and circumstances. This may include retirement income strategies, investment allocation recommendations, risk management analysis, tax-efficient planning opportunities, and legacy and estate considerations.
Estimated timeline: 1–2 weeks
Review Recommendations Together
We present our analysis, findings, and recommendations in a clear and easy-to-understand format. This is a collaborative conversation where we answer questions, review strategies, and ensure you feel confident moving forward.
Implement, Monitor & Adjust
Once your plan is implemented, we continue working alongside you through ongoing monitoring and periodic reviews. As life changes, your financial plan should evolve too — that is why we provide ongoing guidance and annual reviews, including complimentary updates to your Financial Blueprint™.
Step one is your complimentary Discovery Meeting.
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business — and discover what it feels like to work with a fiduciary team focused on your goals, your future, and your peace of mind.
About
About Your Advisors
Meet the co-founders of Wealth Advisors Who Care — Tony Adamo, AIF® and Chris Ritacca, AIF® — two advisors who deliver fiduciary financial planning as a team, conducting advisory business through IFP Advisors, LLC in Florida.
Tony Adamo, AIF® — Co-Founder, Wealth Management Advisor
- Role
- Co-Founder, Wealth Management Advisor — Wealth Advisors Who Care
- Education
- Bachelor of Business Administration in Management — Hofstra University (1980)
- Experience
- More than 30 years in financial services. Co-founded Wealth Advisors Who Care in 2018 alongside longtime friend and business partner Christopher Ritacca; before launching the firm, held positions with TIAA, Charles Schwab, Fidelity Investments, BNY Mellon, and Fifth Third Securities. Former U.S. Army Artillery Officer and Captain.
- Credentials
- Accredited Investment Fiduciary® (AIF®) designation; Series 63 & 66 securities registrations; life, health & variable annuity insurance licenses.
- Specialties
- Retirement & Income Planning; Investment Risk Management; Legacy & Estate Planning Strategies; Social Security Optimization; Financial Planning for Business Owners & Professionals; Tax-Efficient Retirement Strategies; Incapacity & Wealth Transfer Planning
- Disciplinary History
- None. As reported in his Form ADV Part 2B brochure supplement, Tony Adamo has no disciplinary actions, orders, or regulatory disclosure events to disclose.
- Contact
- (727) 230-3800 · tadamo@wealthadvisorswhocare.com
At Wealth Advisors Who Care, Tony Adamo, AIF® brings more than 30 years of financial services experience helping individuals, families, business owners, and retirees pursue financial confidence and long-term security. A former U.S. Army Artillery Officer and Captain, Tony's career has been guided by service, leadership, and putting the needs of others first.
Tony's passion for investing began at age 22, while he was serving as a 2nd Lieutenant in the U.S. Army, and it was shaped by disciplined investing and dollar-cost averaging. In 2018, he co-founded Wealth Advisors Who Care alongside longtime friend and business partner Christopher Ritacca. Before launching the firm, Tony held positions with TIAA, Charles Schwab, Fidelity Investments, BNY Mellon, and Fifth Third Securities.
Originally from New York, Tony now resides in Palm Harbor with his wife, Debra Brown-Adamo, and together they share a blended family of seven adult children. He supports Big Brothers Big Sisters of America, the Military Officers Association of America (Clearwater Chapter), and Heroes on the Water, and enjoys golfing, traveling, and spending time with family and friends.
Verify this background yourself
Every investment adviser registered with the SEC or a state regulator has a public record. We encourage you to review ours before any engagement: search adviserinfo.sec.gov for IFP Advisors, LLC and Tony Adamo, or check FINRA BrokerCheck. Our Form ADV Part 2A firm brochure and Part 2B brochure supplement are linked in the footer of this page.
His approach is to walk beside clients through all of life's stages — building comprehensive, flexible strategies around each client's goals, business commitments, and family situation, and helping clients avoid emotional mistakes and stay on the path to financial freedom.
Wealth Advisors Who Care is a DBA of AA Wealth Management, LLC. Investment advisory services are offered through IFP Advisors, LLC, a registered investment adviser. Wealth Advisors Who Care and IFP are not affiliated beyond this relationship.
Chris Ritacca, AIF® — Co-Founder, Wealth Management Advisor
- Role
- Co-Founder, Wealth Management Advisor — Wealth Advisors Who Care
- Education
- Bachelor of Arts, Psychology — University of Colorado Boulder
- Experience
- More than a decade in the financial services industry. Began his career at Janus Henderson; served as an Associate Wealth Management Advisor at TIAA; co-founded Wealth Advisors Who Care alongside longtime friend and business partner Tony Adamo.
- Credentials
- Accredited Investment Fiduciary® (AIF®) designation; securities registration licenses; life, health & variable annuity insurance licenses.
At Wealth Advisors Who Care, Chris Ritacca plays a key role in helping clients pursue financial clarity, confidence, and long-term retirement success. His approach combines thoughtful planning, fiduciary guidance, and a genuine commitment to understanding each client's unique goals, concerns, and priorities. Chris believes great financial planning begins with listening: by taking the time to truly understand each client's personal and financial situation, he helps create objective, customized strategies designed around what matters most to them — not around products or corporate sales goals. Clients appreciate Chris for his personalized and attentive approach, clear and objective guidance, long-term planning mindset, commitment to acting in their best interests, and ability to simplify complex financial decisions — whether helping them prepare for retirement, manage investment risk, or create a sustainable income strategy.
Originally from Chicago, Chris now lives in St. Petersburg with his wife, Annie, and their two children. Outside the office, he enjoys spending time outdoors, traveling with family, watching sports, and creating meaningful family experiences — bringing the same values to his personal life that he brings to clients every day: integrity, commitment, and a long-term perspective.
Meet your advisors before you commit to anything.
The introductory consultation exists so you can evaluate us — our approach, our candor, and whether the relationship feels right. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Gulf Coast Insurance Solutions
A DBA of AA Wealth Management, LLC
Secure Today. Protect Tomorrow.
Helping Florida families build a stronger, more secure future with smart insurance solutions. We offer personalized solutions — and because we represent many top-rated insurance companies, we can help you find the right solution for your needs, not just one company's product.
Life insurance, annuities, and long-term care insurance — reviewed as part of your overall financial plan.
Why Gulf Coast
Personalized protection, from many top-rated carriers
Insurance is protection for the plan you have built. We start with your family, your goals, and the gaps in your current coverage — then match solutions to your needs from many top-rated insurance companies.
Personalized Solutions
No one-size-fits-all policy. Recommendations are tailored to your household, your health, your budget, and the role insurance needs to play in your financial plan.
Many Top-Rated Companies
We represent many top-rated insurance companies, so the comparison happens across carriers — helping you get the right solution for your needs.
Reviewed in a Fiduciary Capacity
All solutions are reviewed in a fiduciary capacity as part of your overall plan. Any commissions are paid by the insurance company, not the client.
What We Offer
Three ways to protect what matters
The three product categories from our original Gulf Coast Insurance Solutions page — annuities, life insurance, and long-term care insurance.
Annuities
Fixed & fixed indexed annuities for clients who want predictable income and protection of principal as part of a retirement income strategy.
- Fixed Annuities
- Fixed Indexed Annuities
- Retirement income planning
Life Insurance
Coverage to protect your family's income, debts, and legacy — structured to fit your stage of life and your budget.
- Term Life Insurance
- Whole Life Insurance
- Universal Life Insurance
Long Term Care Insurance
Long-term care planning to help protect your savings and your family from the cost of extended care.
- Long-Term Care Planning
- Protecting retirement assets
- Coordinated with your Financial Blueprint™
Insurance solutions are separate from advisory fees; any insurance commissions are paid by the insurance company, not the client. See the insurance-activity disclosure in the footer.
REPRESENTING MANY OF AMERICA'S TOP INSURANCE COMPANIES
...AND MANY MORE
We shop the marketplace so you get the best companies, rates, and policy options available.
Get Started
I'm Interested In…
Tell us which solutions you'd like to explore and a little about your situation. We'll follow up to discuss personalized options from our top-rated carriers. Talk with Tony or Chris about your insurance needs.
Talk with our co-founders
Tony Adamo, AIF®
Co-Founder, Wealth Management Advisor
Phone: (727) 230-3800 x1
Chris Ritacca, AIF®
Co-Founder, Wealth Management Advisor
Phone: (727) 230-3800 x2
A simple process
- 1. Tell us what you're interested in — using the form on this page or a quick call.
- 2. Review personalized options — compared across many top-rated insurance companies.
- 3. Choose with confidence — guidance in plain language, with your overall financial plan in view.
Gulf Coast Insurance Solutions is a DBA of AA Wealth Management, LLC. Insurance products are offered as licensed insurance agent activity, separate from investment advisory services offered through IFP Advisors, LLC. Clients are under no obligation to purchase insurance products. Please see the Important Disclosures in the footer, including the insurance-activity conflict disclosure.
Secure today. Protect tomorrow.
Start with a conversation about your family's protection — annuities, life insurance, or long-term care — and how it fits your broader financial plan. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Tampa, Florida
Fiduciary Wealth Advisor in Tampa, Florida
Tampa is where much of Tampa Bay goes to work — corporate headquarters, hospitals, universities, and a growing base of privately held companies. For the executives and business owners who run them, the financial questions are rarely simple: equity that vests on a schedule, a business that is both your income and your largest asset, and benefits decisions made once a year that echo for decades. We serve Tampa clients in a fiduciary capacity — advice legally and ethically bound to your best interest.
Wealth Advisors Who Care serves Tampa and clients across the Tampa Bay area. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business. — so a Discovery Meeting fits a working schedule on either side of the bay. Our approach is process before products: we build your Financial Blueprint™ first, then select investments and strategies to serve it. We are transparent and objective about fees, costs, investment selections, and strategies.
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
A fiduciary advisor must put your interests first — a legal and ethical duty, not a marketing phrase. For Tampa professionals whose compensation and benefits are complex, that duty matters in every recommendation.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
We are transparent and objective about fees, costs, investment selections, and strategies — disclosed in writing before you engage, with published engagement plans on our Services page.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. That discipline helps you avoid emotional mistakes and stay on the path to financial freedom.
Planning for Tampa's Working Life
Built for executives, owners, and professionals
Tampa's economy runs on leadership — and leadership compensation. These are the situations our Tampa planning most often addresses.
CEOs & Executives
Equity awards on vesting schedules, deferred compensation elections, and employer stock that can quietly come to dominate a balance sheet.
- Concentrated employer-stock risk and diversification
- Equity compensation: RSUs, options, and ESPP decisions
- Tax planning for high and variable income years
Business Owners
For owners, the business is usually the largest asset and the largest risk at once. Planning has to serve the household and the enterprise together.
- Succession and exit planning, coordinated with transition consultants
- Liquidity-event preparation and post-sale investing
- Separating personal wealth from business risk
Professionals & Retirees
Professionals building toward retirement, and retirees drawing on what they built — with income you understand and a plan you can follow.
- Retirement income and withdrawal sequencing
- Social Security claiming strategy
- Roth conversion and tax-bracket management
Our Services
Four service lines, one integrated plan
The same four service lines we offer across Tampa Bay — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement, income, investments, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process
Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews — the same process for every client, personalized to your goals, business commitments, and family situation.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Tampa, begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
St. Petersburg, Florida
Fiduciary Wealth Advisor in St. Petersburg, Florida
St. Petersburg has long drawn people who plan to enjoy retirement — a walkable downtown, an arts and museum community, and neighborhoods where many residents are drawing on what they built over a career. Retirement raises its own questions: when to claim Social Security, how to turn savings into steady income, and how to make a portfolio last. We serve St. Petersburg clients in a fiduciary capacity — advice legally and ethically bound to your best interest.
Wealth Advisors Who Care serves St. Petersburg and clients across the Tampa Bay area. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.. Our approach is process before products: a comprehensive, flexible financial strategy customized to your goals and family situation, built to adapt as your life evolves. We walk beside clients through every life stage, helping you avoid emotional mistakes and stay on the path to financial freedom.
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
In retirement, most financial decisions are hard to undo — a claiming decision, a withdrawal sequence, an annuity purchase. A fiduciary duty means each recommendation must serve your interest first.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
We are transparent and objective about fees, costs, investment selections, and strategies — disclosed in writing before you engage, with published engagement plans on our Services page.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. Your Financial Blueprint™ comes before any product discussion.
Retirement, Planned Carefully
For St. Petersburg retirees and those approaching retirement
Whether you retired to St. Petersburg or are counting down the final working years here, these are the questions our planning most often addresses.
Professionals & Retirees
The goal is to retire happy, without worry — with income you understand and a plan you can follow through market ups and downs.
- Retirement income and withdrawal sequencing
- Social Security claiming strategy
- Longevity and long-term-care risk planning
Families Seeking Confidence
Families who value personalized advice, fiduciary guidance, and a boutique experience built around relationships, not sales quotas.
- Planning aligned with family, lifestyle, and legacy objectives
- Estate & legacy planning strategies
- A second opinion on an existing financial strategy
Business Owners
St. Petersburg's independent shops, galleries, and professional practices are often their owners' largest asset — planned together with the household.
- Succession and exit planning
- Separating personal wealth from business risk
- Retirement plan selection for owners and key employees
Our Services
Four service lines, one integrated plan
The same four service lines we offer across Tampa Bay — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement income planning, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process
Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews, including complimentary updates to your Financial Blueprint™.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
St. Petersburg, begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Clearwater, Florida
Fiduciary Wealth Advisor in Clearwater, Florida
Clearwater is where many Tampa Bay families put down roots — and where many people choose to retire, drawn by the Gulf coast and an established, year-round community. Both seasons of life come with consequential financial decisions: protecting a family while you build, then protecting what you built as you draw on it. We serve Clearwater clients in a fiduciary capacity — advice legally and ethically bound to your best interest.
Wealth Advisors Who Care serves Clearwater and clients across the Tampa Bay area. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.. Our approach is process before products: a comprehensive, flexible financial strategy customized to your goals, your business commitments, and your family situation, built to adapt as your life evolves — a move, a retirement date, a new grandchild, a change in health.
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
Families choosing an advisor in Clearwater are often comparing very different kinds of firms. The fiduciary standard is the clearest dividing line: a legal and ethical duty to put your interests first.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
We are transparent and objective about fees, costs, investment selections, and strategies — disclosed in writing before you engage, with published engagement plans on our Services page.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. That discipline helps you avoid emotional mistakes and stay on the path to financial freedom.
Planning for Clearwater Families
Protection and income, planned together
Clearwater households span working families, relocating professionals, and long-settled retirees. These are the situations our planning most often addresses here.
Families Seeking Confidence
Families who value personalized advice, fiduciary guidance, and a boutique experience built around relationships, not sales quotas.
- Planning aligned with family, lifestyle, and legacy objectives
- Asset protection strategies
- Insurance & risk analysis as part of the plan
Professionals & Retirees
Whether you are building toward retirement or already drawing on what you built, the goal is the same: retire happy, without worry.
- Retirement income and withdrawal sequencing
- Social Security claiming strategy
- Longevity and long-term-care risk planning
Individuals Navigating Divorce
Divorce is a financial event as much as a legal one. Clear-eyed analysis during the process — and a rebuilt plan afterward — can shape your financial life for decades.
- Understanding the full marital balance sheet
- Evaluating settlement options and their long-term effects
- A forward financial plan for your next chapter
Our Services
Four service lines, one integrated plan
The same four service lines we offer across Tampa Bay — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement, income, investments, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process
Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews, including complimentary updates to your Financial Blueprint™.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Clearwater, begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Palm Harbor, Florida — Home Office & Mailing Address
Fiduciary Wealth Advisor in Palm Harbor, Florida
Palm Harbor is home. Wealth Advisors Who Care is based here — our mailing address is 2934 Landing Way, Palm Harbor, FL 34684 — and the families, professionals, and business owners of this community are the people our practice was built to serve. Appointments are not held at our Palm Harbor address: we meet Palm Harbor clients by video from anywhere, in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
We serve our clients in a fiduciary capacity — advice legally and ethically bound to your best interest, not to the sale of a product. Our approach is process before products: a comprehensive, flexible financial strategy customized to your goals, your business commitments, and your family situation. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
Working with a local advisor should also mean working with a fiduciary — one standard, applied to every recommendation. We are transparent and objective about fees, costs, investment selections, and strategies.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
Fees, costs, and strategies are disclosed in writing before you engage, with published engagement plans — a one-time Retirement Blueprint, ongoing wealth management, or flat-fee Tele-Wealth — on our Services page.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. We walk beside you through every life stage, helping you avoid emotional mistakes.
Our Neighbors, Our Clients
The full range of Palm Harbor planning
As our home community, Palm Harbor is where we serve the full range of client profiles our practice is built for.
Families & Retirees
Families building toward retirement and retirees drawing on what they built — with a plan for retiring happy, without worry.
- Retirement income planning & Social Security optimization
- Estate & legacy planning strategies
- Longevity and long-term-care risk planning
Business Owners
Planning that connects the business and the household — from growth years through transition and beyond.
- Succession and exit planning
- Retirement plan selection for owners and employees
- Separating personal wealth from business risk
University Faculty & Professionals
Retirement systems, supplemental plans, and career patterns that call for specialized, patient planning.
- Institutional retirement plan coordination
- Consolidating accounts from prior employers or institutions
- Tax-efficient planning across working and retirement years
Our Services
Four service lines, one integrated plan
All four service lines are available to Palm Harbor clients — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement, income, investments, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process
Six steps from your complimentary Discovery Meeting — by video, or in person at the IFP office in Tampa (by appointment only) or at your home or place of business — to ongoing guidance and annual reviews.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Palm Harbor, begin with a conversation.
Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.. An introductory consultation is an opportunity for both of us to determine fit — no obligation.
Dunedin, Florida
Fiduciary Wealth Advisor in Dunedin, Florida
Dunedin is Tampa Bay's small town in the best sense — a walkable Main Street of independent businesses, a close-knit residential community, and a pace of life people choose deliberately. Financial planning here tends to be personal: people want an advisor who knows them, keeps the client base focused, and plans around relationships rather than sales quotas. We serve Dunedin clients in a fiduciary capacity — advice legally and ethically bound to your best interest.
Wealth Advisors Who Care serves Dunedin and clients across the Tampa Bay area. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.. We keep our client base focused so the planning stays deep rather than broad: a boutique experience built around relationships, with a comprehensive, flexible strategy customized to your goals, your business commitments, and your family situation.
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
In a community built on trust and reputation, the fiduciary standard is the professional version of the same idea: a legal and ethical duty to put your interests first, in writing.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
We are transparent and objective about fees, costs, investment selections, and strategies — disclosed in writing before you engage, with published engagement plans on our Services page.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. That discipline helps you avoid emotional mistakes and stay on the path to financial freedom.
Planning for Dunedin's Main Street & Neighborhoods
Small businesses, settled families, unhurried retirements
Dunedin's mix of independent business owners and long-settled households shapes the planning questions we most often address here.
Business Owners
For owners of independent businesses, the business is usually the largest asset and the largest risk at once. Planning has to serve the household and the enterprise together — long before any exit is on the table.
- Succession and exit planning, coordinated with transition consultants
- Retirement plan selection for owners and key employees
- Separating personal wealth from business risk
Professionals & Retirees
Whether you are building toward retirement or already drawing on what you built, the goal is the same: retire happy, without worry — with income you understand and a plan you can follow.
- Retirement income and withdrawal sequencing
- Social Security claiming strategy
- Staying on plan through market ups and downs
Families Seeking Confidence
Families who value personalized advice, fiduciary guidance, and a boutique experience built around relationships, not sales quotas.
- Planning aligned with family, lifestyle, and legacy objectives
- Estate & legacy planning strategies
- Coordinating planning across life transitions
Our Services
Four service lines, one integrated plan
The same four service lines we offer across Tampa Bay — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement, income, investments, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process
Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews, including complimentary updates to your Financial Blueprint™.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Dunedin, begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business..
Tele-Wealth — Virtual Clients
Tele-Wealth: Fiduciary Wealth Management for Virtual Clients
Not every client lives around the corner — and full fiduciary wealth management should not require that you do. Tele-Wealth is our flat-fee wealth management option, delivered virtually: the same fiduciary standard, the same Financial Blueprint™ process, and the same direct access to your advisor, by video and phone from wherever you are. We serve our virtual clients in a fiduciary capacity — advice legally and ethically bound to your best interest.
Wealth Advisors Who Care offers Tele-Wealth to clients who prefer to work with their advisor virtually — whether you are across Florida, across the country, or simply prefer meeting from home. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business. Our approach is process before products: we build your Financial Blueprint™ first, then select investments and strategies to serve it. We are transparent and objective about fees, costs, investment selections, and strategies.
Why a Fiduciary
Objectivity. Integrity. Fiduciary.
Working virtually changes the meeting room, not the standard. A fiduciary advisor must put your interests first — a legal and ethical duty that applies to every recommendation, wherever you are located.
A Duty to You First
We serve our clients in a fiduciary capacity through IFP Advisors, LLC, a registered investment adviser. Recommendations are made for your benefit — not to sell a product.
Transparent Fees
Tele-Wealth is a flat fee, published in advance — no percentage-of-assets calculation and no surprises. We are transparent and objective about fees, costs, investment selections, and strategies, disclosed in writing before you engage.
Process Before Products
Your strategy is designed first; investments are selected to serve it — never the reverse. Your Financial Blueprint™ comes before any product discussion, in person or on screen.
The Tele-Wealth Option
Flat-fee wealth management, delivered virtually
As published on our Pricing page, Tele-Wealth is positioned for $750K–$2M households who prefer predictable pricing — full wealth management for one flat annual fee.
Tele-Wealth
Flat-Fee Wealth Management
Flat fee annually, via virtual platform. Positioned for $750K–$2M households who prefer predictable pricing.
Includes
- Full investment management
- Unlimited reviews via phone or virtual meeting
- Retirement income strategy
- Tax strategy & coordination
- Unlimited access & reviews
Prefer a different engagement? Our Services page also lists the one-time Retirement Blueprint Financial Plan and Ongoing Wealth Management. See Ways to Work With Us →
Who Tele-Wealth Fits
Built for clients who meet from anywhere
Tele-Wealth serves the same client profiles as the rest of our practice — people whose schedules, locations, or preferences make virtual meetings the natural way to work together.
Busy Executives & Professionals
Full planning and investment management without carving travel time out of a working week — reviews by video or phone, on your schedule.
- Unlimited reviews via phone or virtual meeting
- Equity compensation and concentrated-position planning
- Tax strategy & coordination
Retirees, Wherever You Land
Retirement does not always happen where the career did. Keep one fiduciary advisor and one plan, wherever home is now.
- Retirement income strategy
- Social Security claiming strategy
- Ongoing monitoring, with reviews from anywhere
Households Who Prefer Predictable Pricing
For $750K–$2M households, one flat annual fee replaces a percentage-of-assets charge — you know the cost of advice before the year begins.
- $9,500 flat fee annually — no asset-based percentage
- Full investment management included
- Unlimited access & reviews
Our Services
Four service lines, one integrated plan
Tele-Wealth clients have access to the same four service lines we offer across Tampa Bay — coordinated so decisions in one area support the others.
Financial Planning
Comprehensive planning built around your Financial Blueprint™ — retirement, income, investments, Social Security optimization, tax-efficient planning, estate & legacy, and asset protection.
Explore Financial Planning →Business Advisory Services
Through our Integrated Business Solutions Team™ — a coordinated, turn-key team aligning legal, tax, financial, retirement, and succession strategies for business owners.
Explore Business Advisory →Qualified Plan Solutions
401(k) solutions through July Business Services and AbsoluteCapital — so your workplace plan is managed as part of one personalized financial plan, not in a silo.
Explore Qualified Plans →Insurance Solutions
Life insurance, fixed & fixed indexed annuities, and long-term care planning — reviewed in a fiduciary capacity and offered through Gulf Coast Insurance Solutions.
Visit Gulf Coast Insurance Solutions →Our Process
The Financial Blueprint™ process — the same, remotely
Six steps from your complimentary Discovery Meeting to ongoing guidance and annual reviews. Every step works the same by video as it does across a desk — personalized to your goals, business commitments, and family situation.
Discovery Meeting
Schedule your complimentary Discovery Meeting — by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Get to Know Each Other
Your goals, retirement vision, concerns, and whether we are the right fit.
Organize Your Financial Picture
Income, investments, real estate, insurance, debt, and estate considerations.
Build Your Financial Blueprint™
A comprehensive plan tailored to you. Estimated timeline: 1–2 weeks.
Review Recommendations Together
Analysis and recommendations presented clearly, so you feel confident moving forward.
Implement, Monitor & Adjust
Ongoing monitoring, periodic reviews, and complimentary Blueprint™ updates.
Wherever you are, begin with a conversation, not a commitment.
An introductory consultation is an opportunity for both of us to determine fit. Bring your questions; we will bring candor about what we can and cannot do for you. Meet by video from anywhere, or in person at the IFP office in Tampa (by appointment only), or at your home or place of business.
Our Blog
Wealth Golden Nuggets
Short, practical insights on investing, retirement, and the markets — written by Tony Adamo, AIF® and Chris Ritacca, AIF®. These are the articles we share with clients and subscribers, collected in one place. Small nuggets, gathered regularly, that add up to a clearer financial picture.
Featured
Why Time Matters More Than Timing
If you invested $100 in 1928, where would it have grown most — tucked in a mattress, lent to the U.S. government, or riding in the stock market through a century of crashes, wars, and uncertainty? The difference between those decisions is dramatic, and the lesson still matters today: you don't need a time machine to benefit from compounding. You just need a plan and the patience to stick with it.
Inside this nugget
- Three choices. One century. A powerful lesson about time and compounding.
- What nearly a century of investing reveals about discipline and diversification
- Why the dollars in a mattress stay the same — while their value doesn't
Recent Articles
More golden nuggets
Q3 Markets? Mixed
Stocks had a mixed third quarter after their strong spring rebound, even as the Fed raised rates and oil prices climbed. Our read on what the final months of 2026 could bring — and why pullbacks are a normal part of investing, even in years that end well.
Read the article →6 Powerful Investing Myths
Myths about investing can be incredibly misleading — they dupe us into decisions that get in the way of the financial future we really want. Six of the most damaging myths, the facts behind them, and how to break through.
Read the article →What Most Retirement Budgets Overlook
Retirement expenses can change faster than most people expect. Lifestyle, healthcare, housing, and taxes get the attention — but the real curveballs often come from the background. How to spot your financial blind spots early.
Read the article →How Much More Do Tuna Rolls Cost These Days?
You don't have to be a sushi connoisseur to see what's fueling inflation. A look at the complex factors behind rising prices — and how to look past the sticker shock and navigate inflation with greater confidence.
Read the article →Why Market Highs Feel So Uncomfortable
Feeling anxious at a market high is normal — you're not doing it wrong, you're just human. Why long-term success usually comes from staying consistent, not trying to outsmart uncertainty. It's not about timing; it's about trusting the process.
Read the article →Do Not Repeat These Pre-Retirement Mistakes
Whether retirement is years away or already underway, there's still time to make meaningful changes. The common pre-retirement mistakes to avoid — and why the relief of having a plan far outweighs the discomfort of making one.
Read the article →New nuggets are added as we publish them. Articles open on our Visual Insights publishing page, where each piece first appears for our email subscribers.
Wealth Golden Nuggets — By Email
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Sign up for our emails — our subscribers get our best insights. Join the Visual Insights Newsletter and receive insightful information on finances and more in your inbox every month, from Tony Adamo, AIF® & Chris Ritacca, AIF®.
- One email a month — insights, not noise
- Investing, retirement, and market perspectives in plain language
- Unsubscribe at any time
Reading is a start. A plan is better.
When a nugget raises a question about your own situation, bring it to a conversation. An introductory consultation carries no obligation.
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