Top college savings (529s, UTMA, etc.) financial advisors working with high-net-worth individuals in Lakewood Ranch, FL
The right financial advisor for you depends on how you weigh location, expertise, experience, the clients they typically serve, and how they work with you.
When you're planning for college expenses and want to make the most of tax-advantaged accounts like 529 plans or UTMA custodial accounts, it's important to avoid strategies that overlook how these savings impact your overall financial picture. High-net-worth advisors here understand how to balance college savings with your broader wealth management goals.
- Tax-aware federal planning. Since Florida has no state income tax, ask how they optimize your college savings for federal taxes, property taxes, and sales taxes instead.
- Wealth migration insights. Confirm how they incorporate Florida's strong homestead protections and wealth migration trends into your college savings plan.
- Account selection strategy. Inquire about their approach to choosing between 529 plans, UTMA accounts, and other vehicles based on your family's unique financial situation.
- Coordination with estate planning. College savings can affect your estate; ask how they integrate these accounts with your overall estate and wealth transfer plans.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
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Gabriel K
Series 65
Sarasota, FL
HD Money, Inc.
Gabriel Kaufmann specializes in college savings and wealth management, serving high-net-worth clients near Lakewood Ranch, FL, with a focus on tax-aware federal planning and estate coordination. His firm, HD Money, Inc., offers flat-fee financial planning and employs ETF-focused, diversified portfolios, distinguishing him from advisors who may rely solely on asset-based fees or less integrated strategies.
Experience: 5 years
Avg account: $797,779
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William C
CFP®, ChFC®, Series 66
Bradenton, FL
Alpha Omega Financial
William Carambelas specializes in college savings strategies for high-net-worth clients, leveraging 16 years of experience and CFP® and ChFC® credentials to optimize 529 and UTMA accounts within broader wealth management. Based in Bradenton, FL, he offers flat-fee financial planning and employs a diversified investment approach combining fundamental and technical analysis, distinguishing him from advisors focused solely on traditional asset management.
Experience: 16 years
Avg account: $2,160,870
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Cheri F
CFP®, Series 63, Series 65
Lakewood Ranch, FL
Clarity Capital Advisors, LLC
Cheri Franklin specializes in college savings strategies for high-net-worth clients in Lakewood Ranch, FL, leveraging 16 years of experience and CFP® certification to integrate 529 plans and UTMA accounts within broader wealth management. Her firm, Clarity Capital Advisors, offers a flat-fee structure with no account minimums and employs a disciplined, low-cost investment approach emphasizing global equity diversification, setting her apart from advisors with traditional fee models.
Experience: 16 years
Avg account: $5,728,179
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Thomas T
CFP®, Series 63, Series 65
Venice, FL
Fiduciary Consulting Group, Inc.
Thomas Tyler Jr. specializes in college savings strategies for high-net-worth clients, integrating 13 years of financial advising with his legal expertise in estate planning and tax law. Operating from Venice, FL, he offers a long-term, diversified investment approach with a 0.80% AUM fee, distinguishing him through his combined financial and legal background and focus on comprehensive wealth management.
Experience: 14 years
Avg account: $3,672,702
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David D
Series 63, Series 65
Sarasota, FL
Quadrant Private Wealth Management, LLC
David Decker Jr. offers expertise in college savings strategies tailored for high-net-worth clients, leveraging 35 years of experience and a top-down investment approach that emphasizes risk management. Based in Sarasota, FL, he provides flexible fee options including flat fees and hourly rates, and serves a diverse clientele with comprehensive financial planning and discretionary investment management, distinguishing him from advisors focused solely on college savings.
Experience: 35 years
Avg account: $2,380,626
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