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Yes. Every advisor at Base Wealth Management operates under the fiduciary standard. We are legally required to put your interests ahead of our own, and we embrace that responsibility — it's one of the reasons we're fee-based rather than commission-driven.

At a large wirehouse firm, you're a number on a quarterly sales forecast. Advisors at big firms often carry hundreds of clients and have limited time for each one. At Base Wealth, you get a real relationship — we know your name, your goals, your timeline, and your family situation. We build customized plans, not cookie-cutter portfolios, and you can actually reach your advisor when you need them.

No — in the same way that you don't strictly need a personal trainer or a nutritionist. But financial decisions are complex, time-consuming, and easy to get wrong. Our job is to apply education, experience, and strategy so you don't have to spend evenings researching tax law and investment theory. In an ever-changing financial landscape, having someone to catch mistakes before they cost you is genuinely valuable.

We work with individuals, families, and business owners at a wide range of wealth levels. We have particular depth in serving business owners, pre-retirees, Marathon Petroleum employees, and Duval County public school teachers — but our approach works for anyone who wants a thoughtful, personalized plan. If you're not sure whether we're a fit, a free 15-minute call will answer that quickly.

Not at all. Many of our clients work with us entirely by phone or video and never visit an office. We're comfortable with whatever format works best for you. That said, if you're near one of our four Florida locations — Lakewood Ranch, Lutz, Jacksonville, or Anna Maria Island — we're always happy to meet in person.

Yes. Base Wealth Management is an SEC-registered investment adviser and offers advisory services in jurisdictions where it is properly registered, notice-filed, or otherwise exempt from registration requirements. We work with clients across the country via phone and video. Our four Florida offices are available for in-person meetings, but they're never a requirement.

Nothing. Our initial consultation is completely free with no obligation. It's typically a 15-minute call designed to help us both decide whether we're a good fit — no paperwork, no pressure, no pitch.

Fee-based means our compensation comes directly from you. We charge a transparent, agreed-upon fee for our advisory services. Our incentives are completely aligned with yours.

Our ongoing advisory fees are based on the complexity of your plan and the assets we manage. We discuss fees openly during your first consultation — before you make any commitment. There are no hidden charges or surprise fees. You'll always know exactly what you pay and why.

We work with clients at various stages of their financial journey. The most important factor is that you have clear goals and are ready to commit to a plan. We'd rather have an honest conversation on a free 15-minute call than turn anyone away based on an arbitrary number. Reach out and let's talk.

Goals-based planning organizes your financial strategy around the specific milestones that actually matter to you — retiring at a certain age, funding your kids' education, buying a home, selling your business — rather than chasing abstract market benchmarks. Every decision is measured against whether it moves you closer to your goals. It's the difference between a plan that's built for your life and a plan built for someone else's average.

We start with a free discovery call to understand your goals and circumstances. From there we connect all your accounts into a single view, conduct a risk assessment, and build a comprehensive plan covering investment strategy, tax planning, savings targets, insurance review, and estate considerations. We then walk you through the plan in plain English — no jargon — and meet regularly to review progress and adjust as your life changes.

Yes. We provide both comprehensive financial planning and ongoing investment management. The two work together — your investment strategy is built to serve your financial plan, not the other way around. We use advanced risk assessment tools to align your portfolio with your actual goals and risk tolerance, then manage it on an ongoing basis.

Life changes, and your plan should too. We meet with clients regularly to review their situation and adjust the strategy as needed. A new job, a growing family, a business exit, or a market shift — all of these affect your plan, and we're here to update it every step of the way. Ongoing responsiveness is part of what you pay for.

Yes. One of our first steps with every new client is connecting all of their financial accounts — 401(k), IRA, brokerage, bank, insurance — into a single view. Most people have their financial life scattered across multiple institutions and have no clear picture of where they stand. We fix that, and it's the foundation for everything else we do.

Yes — and this is a specialty of ours. Most business owners keep their business and personal finances completely separate, which costs them in tax efficiency and missed planning opportunities. We connect both sides of your financial life into one cohesive strategy. We also coordinate with our Base Tax team for clients who need comprehensive tax preparation and planning.

The honest answer: as early as possible. Compounding rewards time above almost everything else. That said, the planning that happens in the 5–10 years before retirement is arguably the most critical — this is when decisions about Social Security timing, account drawdown order, tax strategy, and healthcare coverage can have the biggest impact. If you're within 10 years of retirement and don't have a written plan, now is the time.

All of them. We regularly work with 401(k) and 403(b) plans, Traditional and Roth IRAs, SEP IRAs, SIMPLE IRAs, Solo 401(k)s, pension plans, DROP accounts, and 457 plans. Part of our job is helping you understand how these accounts interact with each other — and how to draw them down in the right order to minimize taxes in retirement.

Yes. We offer workplace 401(k) integration as a dedicated service. Many people make investment elections inside their 401(k) once and never revisit them. We review your plan's investment options, help you select the right allocations for your goals, and make sure your 401(k) is coordinated with the rest of your financial strategy — not operating in isolation.

Your Risk Number is a quantified measure of how much investment volatility you can realistically tolerate — not just emotionally, but financially. It's different from the generic 'aggressive / moderate / conservative' labels most advisors use. We use sophisticated risk assessment tools to find your actual risk tolerance, then build a portfolio that matches it. The goal is an investment strategy you'll stick to during a downturn — because abandoning your plan in a bad market is one of the costliest mistakes investors make.

Social Security timing is one of the most impactful retirement decisions many people make — and one of the least understood. Claiming at 62 versus 70 can mean hundreds of thousands of dollars difference in lifetime benefits. The right answer depends on your health, your other income sources, your spouse's benefit, and your overall tax situation. We model multiple scenarios and help you choose the timing that maximizes your lifetime income.

Estate planning is the process of deciding what happens to your assets, your healthcare decisions, and your dependents after you're gone or incapacitated. It includes wills, trusts, beneficiary designations, powers of attorney, and healthcare directives. If you have any assets, a family, or specific wishes about your legacy, you need it. We work with estate planning attorneys and help ensure your financial accounts are structured consistently with your estate plan.

Yes. Tax planning is a core part of what we do — not an add-on. We perform in-depth tax analysis as part of every client's financial plan, looking for opportunities to reduce your tax burden through strategic retirement account contributions, Roth conversions, capital gains management, and entity structure optimization for business owners. We also coordinate directly with our Base Tax team for clients who need comprehensive tax preparation and planning.

A Roth conversion is the process of moving money from a pre-tax retirement account (like a Traditional IRA or 401(k)) to a Roth IRA, paying the taxes now in exchange for tax-free growth and withdrawals later. Whether it makes sense for you depends on your current tax bracket, your expected bracket in retirement, your timeline, and several other factors. For many people in a lower-income year — like early retirement or a business transition — it can be a significant tax-saving opportunity. We model conversions as part of every retirement plan.

RMDs are mandatory withdrawals the IRS requires from most pre-tax retirement accounts (Traditional IRA, 401(k), 403(b)) starting at age 73. The amount is calculated based on your account balance and life expectancy. The challenge is that large RMDs can push you into a higher tax bracket, increase Medicare premiums, and affect Social Security taxation. Proper planning before RMDs begin can dramatically reduce their impact — this is one reason why the decade before retirement is so important.

Yes — and business owners typically have more tax levers available than most people realize. These include strategic retirement plan contributions (Solo 401(k), SEP IRA, defined benefit plans), S-Corp election and salary optimization, qualified business income deductions, and coordinating business and personal tax strategies. We work alongside your CPA or our Base Tax team to implement a comprehensive approach that reduces your overall tax bill.

The first call is a conversation — not a sales pitch. We spend about 15 minutes getting to know your situation, your goals, and what's been keeping you up at night financially. You don't need to bring any documents or prepare anything. We'll ask questions, listen carefully, and tell you honestly what we think we can do to help. From there, you decide whether to move forward.

Nothing is required for the first call — it's truly just a conversation. If you move forward, we'll ask you to gather account statements, recent tax returns, insurance policies, and any estate planning documents you have. We'll guide you through exactly what we need and why, one step at a time. The most important thing you bring to the first meeting is your goals — the paperwork we can sort out together.

It depends on the complexity of your situation, but most clients have a fully developed plan within 4–6 weeks of their first meeting. The process involves gathering your financial information, running analysis, and meeting to review and refine the plan together. We don't rush — we'd rather take the time to get it right than deliver something generic quickly.

The easiest next step is to book a free 15-minute discovery call. Pick any time that works and we'll reach out to confirm. If you'd rather call or email first, you can reach us at (941) 203-4999 or [email protected]. We look forward to hearing from you.