Freedom Capital Advisors is a fee-based, fiduciary investment advisory firm with a home office in Clermont, Florida. We work with retirees and pre-retirees throughout Lake County and Central Florida who want honest, independent portfolio management, not products designed to generate commissions for a broker. If you have $500,000 or more in investable assets and are within ten years of retirement, or already there, this is the kind of advisor relationship that actually serves you.
Freedom Capital Advisors is a Florida-registered Investment Adviser (CRD 161355) led by Ron McCoy, who has navigated client portfolios through major market events since Black Monday in 1987.
Why Clermont Retirees Choose an Independent Fiduciary
Clermont has grown significantly over the past decade. Lake County has become one of the most popular retirement destinations in Central Florida, and with that growth has come an increase in financial advisors, insurance salespeople, and product-focused brokers all competing for retirees’ assets.
The difference matters. A fiduciary is legally required to act in your best interest at all times. A broker operating under a suitability standard is only required to recommend what is “suitable,” which is a much lower bar. Most of the major brokerage and insurance firms operating in Clermont and the surrounding Lake County area are not fiduciary advisors.
At Freedom Capital Advisors, we have no products to sell and no commission structure to satisfy. Our compensation comes from you, not from the investments we recommend. That alignment is the foundation of every portfolio we manage.
What We Do for Clients in Clermont and Lake County
We manage custom investment portfolios for retirees and high-net-worth individuals throughout Lake County, including Clermont, Minneola, Groveland, Leesburg, and the South Lake area. Our work centers on three goals: protecting the wealth you built, generating reliable income in retirement, and building a legacy that lasts.
Our approach combines Ron McCoy’s four decades of market experience with a disciplined, income-focused strategy using covered calls, dividend income, and value-based equity selection. This is not a template portfolio. We build it around your situation.
Services available to Clermont and Lake County clients:
Portfolio management and ongoing oversight Retirement income planning Roth conversion strategy and tax coordination Covered call strategies to generate monthly income Liquidity event planning (business sales, inheritance, real estate proceeds)
For a deeper look at how we approach tax planning in retirement, see our guide to Roth conversion strategies for high-net-worth retirees.
Our Approach to Retirement Income in Florida
Florida has no state income tax, which is one of the reasons it attracts retirees from across the country. But the absence of state income tax does not eliminate the federal burden on retirement withdrawals, Social Security benefits, or investment gains. How you structure retirement income, which accounts to draw from and in what order, has a meaningful impact on what you keep over a 20 or 30-year retirement.
We work alongside your CPA and estate attorney to coordinate income planning with your broader tax picture. We do not make tax promises, but we build portfolios with tax efficiency in mind and flag opportunities your CPA should know about. You can read more about our approach here: Retirement Planning in Clermont, FL
Schedule a Conversation
If you are in the Clermont area and want an honest look at your portfolio, we would be glad to talk. No sales script, no obligation. You will speak directly with Ron or Logan McCoy.
Call us at (352) 404-8105 or book a strategy session at freedomcapitaladvisors.com. We serve clients throughout Lake County and the greater Central Florida area.
Frequently Asked Questions
What does a fiduciary financial advisor in Clermont, FL do differently?
A fiduciary advisor is legally required to act in your best interest at all times, not just recommend what is “suitable.” Freedom Capital Advisors earns no commissions on what we recommend. Our fee is based on assets under management, which means we make more when your portfolio grows and have no incentive to sell you anything.
How do I know if I need a financial advisor in Clermont?
If you have $500,000 or more in investable assets and are within ten years of retirement, or already retired, a conversation is worth your time. The decisions made in the years surrounding retirement, including when to claim Social Security, how to structure withdrawals, and whether to do a Roth conversion, have long-term consequences that a structured plan can address.
Does Freedom Capital Advisors charge commissions?
No. We are a fee-based registered investment adviser. Our compensation comes from a percentage of assets under management. We earn nothing from the products or securities we recommend.
How do I get started with a financial advisor in Clermont, FL?
The first step is a strategy session with Ron or Logan McCoy. You can schedule at freedomcapitaladvisors.com or call (352) 404-8105. The initial conversation is complimentary. Bring your statements or just your questions.
Does Freedom Capital Advisors serve clients outside of Clermont?
Yes. While our home office is in Clermont, we serve clients throughout Florida, Georgia, and nationwide. Most client meetings happen by phone or video, though in-person meetings are available for Lake County residents./
Book Your Strategy Session with Ron McCoy
This is a one-on-one conversation with Ron McCoy, not a sales call. Ron has spent four decades working directly with investors, which means every recommendation starts and ends with what’s right for you. Bring your questions, your statements, or just your situation. We’ll tell you what we see and what we’d do. Prefer to call first? Reach Ron directly at (352) 404-8105.