Florida Estate and Retirement Planning Advisors, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Florida Estate and Retirement Planning Advisors, LLC is a solo, fee-based financial planning firm that works with individual clients to provide financial planning and consulting and to solicit third‑party money managers. The firm’s planning services address cash flow, college funding, retirement planning, tax planning and estate conservation.
Rather than providing direct portfolio management or accepting discretionary trading authority, the firm delivers hourly or project-based financial plans and acts as a solicitor/liaison to third‑party money managers (including Curian and SEI). In that role it helps clients complete TPM paperwork, delivers the TPMs’ disclosure documents, and reviews TPM‑provided account statements on an ongoing basis.
What distinguishes the firm from many independent single‑advisor practices is its affiliation with an insurance business: the managing member is a licensed insurance agent who spends a substantial portion of his time in that activity and the firm discloses this relationship. The firm also does not manage client assets itself or charge percentage‑of‑assets fees, and it receives solicitor/servicing compensation from TPMs — conflicts the brochure discloses and says are mitigated by the adviser’s fiduciary obligation and by clients’ ability to obtain services elsewhere.
Client services
Expertise
Fee options
$0 - $99,999: Curian Custom Style Portfolio: 0.85% (Moderate to Maximum Growth tier); 0.75% (Moderate Conservative); 0.40% (Very Conservative); 0.25% (Select Portfolios) $99,999 - $250,000: Curian Custom Style Portfolio: 0.75% (Moderate to Maximum Growth tier); 0.65% (Moderate Conservative); 0.40% (Very Conservative); 0.25% (Select Portfolios) $250,000 - $500,000: Curian Custom Style Portfolio: 0.65% (Moderate to Maximum Growth tier); 0.55% (Moderate Conservative); 0.25% (Very Conservative); 0.25% (Select Portfolios) $500,000 - $1 million: Curian Custom Style Portfolio: 0.55% (Moderate to Maximum Growth tier); 0.50% (Moderate Conservative); 0.20% (Very Conservative); 0.25% (Select Portfolios) $1 million - $3 million: Curian Custom Style Portfolio: 0.47% (Moderate to Maximum Growth tier); 0.42% (Moderate Conservative); 0.09% (Very Conservative); 0.25% (Select Portfolios) $3 million - $5 million: Curian Custom Style Portfolio: 0.37% (Moderate to Maximum Growth tier); 0.32% (Moderate Conservative); 0.06% (Very Conservative); 0.25% (Select Portfolios) $5 million+: Curian Custom Style Portfolio: 0.27% (Moderate to Maximum Growth tier); 0.22% (Moderate Conservative); 0.03% (Very Conservative); 0.25% (Select Portfolios) $0 - $99,999: Curian Cash Management Program: 0.40% (MMDA and Check Writing Program) $99,999 - $250,000: Curian Cash Management Program: 0.40% (Next $150,000 MMDA and Check Writing Program); 0.25% (Next $250,000 MMDA and Check Writing Program) $250,000 - $500,000: Curian Cash Management Program: 0.20% (Next $500,000 MMDA and Check Writing Program) $500,000 - $1 million: Curian Cash Management Program: 0.09% (Next $1 million MMDA and Check Writing Program) $1 million - $3 million: Curian Cash Management Program: 0.06% (Next $3 million MMDA and Check Writing Program) $3 million - $5 million: Curian Cash Management Program: 0.03% (Above $5 million MMDA and Check Writing Program)
$150 per hour for financial planning and consulting services
Fee-only: Negotiable hourly rate of $150 for financial planning and consulting services; negotiable fee between 1% and 1.5% annually for Financial Professional Fee portion of Curian Program accounts.
Main office
303 Main Street, Suite L
Dunedin FL 34698
Advisors at this office
1
Most active in
Florida
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
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