Services
Beyond The Numbers
Trusted guidance that turns financial planning into a purpose-filled journey.
A Complete Strategy For Retirement
Retirement is about more than money. At Vocare, we design plans that look at every piece of your life, weaving them into a clear, confident path forward.
Investments
We craft portfolios designed to grow and preserve your wealth to help achieve your defined objectives. Our approach balances opportunity and stability so you can move into retirement with confidence.
Income
Your retirement paycheck should be steady and reliable. We create income strategies that help optimize Social Security, pensions, and other streams, giving you clarity on how your lifestyle will be supported.
Taxes
Smart tax planning is essential. We anticipate and design strategies to help minimize what you owe, so you keep more of what you’ve earned and enjoy greater confidence.
Healthcare
Healthcare can be complex. From Medicare choices to long-term care, we provide insight and reassurance so you feel prepared and protected.
Estate
Your legacy is about more than money — it’s about meaning. We help ensure your estate and charitable plans reflect your values, protecting loved ones and creating lasting impact.
Why a CFP® can make all the difference
Not all financial planners are certified. At Vocare, we believe you deserve more than a piece of a plan — you deserve guidance grounded in expertise, integrity, and trust. That’s why our advisors hold the CFP® designations, one of the highest standards in financial planning.
The Four E’s of CFP® Certification
- Education: CFP® professionals complete advanced, board-approved training that prepares them to integrate investments, retirement, taxes, estate planning, and more.
- Examination: They must pass a rigorous exam proving their ability to apply knowledge with precision and confidence.
- Experience: With at least three years of hands-on planning, CFP® professionals bring both insight and practical wisdom to every conversation.
- Ethics: CFP® professionals commit to a strict Code of Ethics, always putting your interests first with complete transparency.
How This Benefits You
We believe working with a CFP® professional means you can move forward with confidence, knowing your advisor is both competent and committed.
Our Ongoing Commitment
Our CFP® professionals continually sharpen their skills, completing at least 30 hours of continuing education every two years. This helps ensure you receive guidance that is current and relevant to your life’s purpose.
Frequently Asked Questions
Are You a Fiduciary?
Yes, we are held to the fiduciary standard, the highest standard in the industry. This means that we are legally and ethically required to act solely in your best interest, not our own.
How Are You Paid?
We are paid on a fee-based basis. Depending on our client’s situation, we will sometimes implement one of three fee structures, including fees based on the assets we manage¹ or a flat financial planning fee². Occasionally, if appropriate, we will also recommend insurance products which produce a commission. This structure is different from the historic industry standard, which was solely commission-based. We believe having a solely commission-based model is fraught with conflicts of interest. Being fee-based allows us to apply the appropriate fee structure to our clients’ specific situation.
¹ In a fee-based account, clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement. Services rendered will be dependent on applicable agreements.
² The Financial Planning or Consulting services listed are generally those offered under the Wealth Advisory Services Agreement. However, fees and services are customized with each client agreement. For a complete list of fees and available services, please consult the most current Form ADV Part 2A and the Wealth Advisory Services Agreement that you may obtain from your Investment Adviser Representative.
Are your fees worth it?
Our clients hire us for the value and clarity we deliver. We specialize in retirement planning and bring deep expertise to each area that matters most in retirement.
Our team coordinates the five key components of a successful retirement so nothing is left to chance:
- Investment strategy
- Income planning
- Tax efficiency
- Healthcare planning
- Estate planning
By integrating these areas into one comprehensive plan and actively managing them over time, we help you make smarter decisions, avoid costly mistakes, and preserve what you’ve built.
For details on our fee structure, please review our disclosures or contact us—we’re happy to walk you through it.
What is your investing methodology?
We believe that keeping investment costs low, staying disciplined through market cycles, and diversifying across different investment asset classes is asset classes is a time-tested way to outperform way to outperform inflation long-term.
Are you a Certified Financial Planner®?
Yes, our advisors are CFP® professionals. For more information on what sets CFP® Professionals apart from other advisors, see the official CFP Board Website.
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. This information is not a complete summary or statement of all available data necessary for making an investment decision and does not constitute a recommendation. Past performance does not guarantee future results. Investing involves risk and you may incur a profit or loss regardless of strategy selected, including diversification and asset allocation. Be sure to contact a qualified professional regarding your situation before making any investment or withdrawal decision. Raymond James and its advisors do not offer tax or legal advice. You should discuss any tax or legal matters with the appropriate professional.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
Your next chapter deserves more than numbers. Let’s design a plan that redefines retirement as the most meaningful chapter of life – filled with clarity and purpose.