F
Florida Estate and Retirement Planning Advisors, LLC
Updated today
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
Client assets under management
$0
Clients
42
0% high-net worth
Advisors
1
of 1 employees
Firm type
Independent
1 advisor
Fewer clients per advisor generally means more personalized, proactive service. Higher ratios may reflect streamlined models or lower minimums.
Clients per advisor
42
HighAverage account size
$0
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
Financial planning
Selection of other advisers
Expertise
General retirement planning
General tax planning
General estate planning guidance
Cash flow / budgeting
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 location
Florida Estate and Retirement Planning Advisors, LLC
303 Main Street, Suite L
Dunedin FL 34698, United States
Number of offices
1
Most active in
Florida Estate and Retirement Planning Advisors, LLC has reported serving >5 clients in these states in the last 12 months.
Florida
Disclosures
Firm disclosures are reported in Form ADV Part 1A, Item 11. They include criminal charges, regulatory actions, civil proceedings, and professional disciplinary events involving the firm or its advisory affiliates.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Is not active or affiliated with:
-
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Forms ADV
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
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. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")