Top financial advisors in Pensacola, 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.
If you're moving to Pensacola, FL, or managing wealth here, you need advisors who understand how Florida's tax environment affects your finances. A common mistake is assuming no state income tax means low overall taxes, which overlooks property and sales taxes that can impact your planning.
- Federal tax focus. Confirm how they integrate federal income tax strategies with Florida's unique tax setup.
- Property tax insight. Ask how they help manage or plan around Florida's property tax and homestead protections.
- Wealth migration experience. Look for advisors familiar with clients relocating to Florida for tax reasons and how that affects estate and retirement plans.
- Local market knowledge. Ensure they understand Pensacola's economic factors that influence investment and financial decisions.
Here are top matches to get you started. Review each profile to compare experience, credentials, and approach.
-
Weston C
Series 66
Pensacola, FL
Equitable Advisors
Weston Cramer offers expertise in retirement income strategy and Social Security optimization, which is valuable for Baby Boomers managing wealth in Pensacola's unique tax environment. With 12 years of experience at Equitable Advisors, a large firm serving high-net-worth clients, he provides access to diverse asset management options and flexible fee structures, distinguishing him from advisors with smaller client bases or narrower service scopes.
Experience: 13 years
Avg account: $570,841
-
Ernest C
CFP®, Series 63, Series 65
Pensacola, FL
IHT Wealth Management LLC
Ernest Commins brings 43 years of experience and CFP® certification, making him well-equipped to navigate Pensacola's unique tax environment, including property and federal tax strategies. His firm, IHT Wealth Management, offers flat-fee financial planning and uses a mix of fundamental and quantitative investment approaches, serving a diverse client base including trusts and corporate clients, which distinguishes him from other local advisors.
Experience: 44 years
Avg account: $282,075
-
Pierce B
Series 65
Pensacola, FL
Saltmarsh Financial Advisors, LLC
Pierce Broscious offers wealth management services in Pensacola, FL, with a focus on comprehensive financial planning and investment management that considers local tax nuances. His firm, Saltmarsh Financial Advisors, applies Modern Portfolio Theory using both passive and active investments, and provides flat-fee planning starting at $5,000, distinguishing him from advisors with purely asset-based fees.
Experience: 6 years
Avg account: $1,597,231
-
Kelly R
Series 66
Pensacola, FL
Independent Financial partners
Kelly Ryland's 16 years of experience and Series 66 designation equip her to address retirement income strategies and tax-loss harvesting, important for managing wealth in Pensacola's tax environment. Affiliated with Independent Financial Partners, a large firm managing over $12.5 billion, she offers flat-fee financial planning and has a background in life and disability insurance, providing a broad perspective compared to advisors focused solely on investment management.
Experience: 16 years
Avg account: $225,569
-
Kevin F
Series 65, Series 63
Pensacola, FL
Primerica Advisors
Kevin Frost's 19 years of experience and Series 63 and 65 licenses equip him to navigate Pensacola's unique tax environment, including property and sales taxes. Working with Primerica Advisors, a large firm offering discretionary asset management and a tiered wrap-fee structure, he serves both individual and high-net-worth clients, differentiating him through access to model-delivery strategies and independent asset manager evaluations.
Experience: 19 years
Avg account: $228,117
Want help finding the right advisor?
Answer a few questions to see advisors matched to you.
Specialized advisors
People also searched
Popular in Pensacola, FL
Find advisors by type
Not sure where to start?
We'll help you think it through—whether you ultimately need an advisor or not. Warmer helps you compare advisors clearly, so you can choose with confidence.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Advisors are independent and may not have reviewed or updated this information. Please review an advisor's Form ADV and do your own diligence before deciding whether to work with them.
Advisor matching and referrals are provided by FinanceHQ LLC ("FHQ"), a wholly-owned subsidiary of Warmer and an SEC-registered investment adviser. We may be compensated by participating advisors. You pay no fee to use our matching service, and advisor fees are not increased because of a referral. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
By using our service, you agree to the Warmer Terms of Service and FHQ Advisory Agreement, and acknowledge Warmer's Privacy Policy. Please review FHQ's ADV Part 2A and Form CRS. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")