Financial Advisor in Florida

Your wealth deserves more than a 1-800 number and a branch lobby.

Florida is one of the most popular states for retirees and business owners, and for good reason. No state income tax, year-round access to an active lifestyle, and a financial landscape that rewards smart planning.

But here is the problem: most “financial advisors” in Florida are tied to a big bank or brokerage. They earn commissions on what they sell you, they rotate through your account every few years, and when you call with a question, you get a phone tree.

Freedom Capital Advisors is different. We are an independent, fee-based fiduciary registered right here in Florida. That means we work for you, not a bank. No commissions, no proprietary funds, and no middlemen. When you call, you get your advisor. Ron McCoy has nearly four decades of investment experience, and our team combines that depth with a modern, tech-forward approach to portfolio management.

Why Florida Clients Choose Us

Direct Access

Call, email, or text your advisor directly. No phone trees, no ticket numbers, no waiting for a callback from someone you have never met. Access is a core feature of how we work, not an upgrade.

100% Independent

We are not owned by a bank or brokerage. We do not sell proprietary funds or earn commissions on trades. Every recommendation we make is in your interest, period. That is what being a fiduciary means.

Custom Strategy

Your portfolio is built for your life, not a model number. Whether you are managing retirement income, protecting a business sale, or building a legacy for your family, we design around your specific goals and risk tolerance.

How We Help

Retirement Planning

Income strategies, Social Security optimization, and tax-efficient withdrawal planning.

Portfolio Management

Active management with a focus on income generation and downside protection.

Investment Planning

Comprehensive analysis of your current holdings, allocation, and fee structure.

Florida tax note: Florida has no state income tax, but federal tax planning still matters. We help you structure withdrawals, Roth conversions, and required minimum distributions to keep more of what you have earned.

Free Retirement Planning Tools

Try our calculators before you schedule a call. No signup required.

Required Minimum Distribution Calculator

Find out exactly how much you need to withdraw this year.

Click Here

Social Security Break-Even Calculator

Compare claiming at 62, full retirement age, and 70 to find your break-even point.

Click Here

Ready for a Second Opinion?

If you are wondering whether your current advisor is really working for you, we will tell you. Bring your latest statement, and we will walk through it together. No pressure, no pitch.
  • Is my portfolio actually diversified, or am I overexposed?
  • Am I paying hidden fees I do not know about?
  • Is my withdrawal strategy tax-efficient?
  • Should I be claiming Social Security now or waiting?
Retirement Income
Risk Management
Investments
Book Your Strategy Session with Ron McCoy
Ready for a clear, no‑nonsense conversation about your wealth? Book a one‑on‑one strategy call with Ron McCoy, Founder and fiduciary advisor with four decades of market experience. In your strategy session, you’ll get personalized insights on your portfolio and a gameplan for any financial challenge you’re facing. No scripts, no call centers, just direct & honest advice. If you prefer to reach out first, feel free to call us directly using the “call us today” button below.
Tell us a bit about yourself
A few details so Ron can come prepared with observations specific to your situation.
We’ll reach out and set up a time to meet
Ron’s schedule is flexible. Pick a time that works and we’ll have an initial conversation about your goals and where you stand today.
Step 3: We’ll map out your strategy
We’ll build a clear picture of your current situation and walk through exactly what a portfolio built around your goals would look like.

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.

It’s Your empire. now protect it.

Your wealth isn’t just a number, it’s your legacy. But without strategy, it’s a target for taxes, fees, and crooks. We’re here to help you by designing a plan that puts your interests first.

“Wealth without strategy is just a target for thieves.”

  • Not just advisors, they’re Partners.

    “Ron McCoy and Freedom Capital Advisors stand out for their dedication, transparency, and genuine client care. They’re not just advisors. They’re partners you can depend on through any market.”
    Jamie Dukes
    10 Year NFL Veteran & FSU All-American

  • Always looking out for me.

    Ron has been an exceptional advisor. Over the years he has always had my best interest out front of his approach to investing. Ron has always presented well researched investment options and strategies. His ability to work through those strategies and options is his strong suit. He is always clear on his objectives and reasoning.Most importantly he has always looked out for me as an investor and as an individual.
    Tim L.
    Client & Chairman Circle Member

  • Experience, Trust, Results

    “After years of knowing and working with Ron McCoy, I can say with certainty that trust and expertise are at the heart of everything he does. Freedom Capital Advisors reflects Ron’s lifelong commitment to integrity, sound judgment, and delivering real results for clients.”
    John M.
    Small Business Owner

  • Commitment to putting clients interests first.

    “Working alongside Ron McCoy over the years, I’ve seen firsthand his deep commitment to putting clients’ interests first. Freedom Capital Advisors stands out for their disciplined, value-driven approach and a genuine passion for helping clients achieve their financial goals.”
    Mark P.
    Retiree

  • clear explanations and disciplined approach

    “Ron’s clear explanations and disciplined approach make complex strategies feel accessible. His genuine care and tailored recommendations put my financial goals front and center.”
    Michael K.
    Entrepreneur

  • Ron answers my calls directly

    “I appreciate Ron’s unwavering transparency and personal touch. He answers my calls directly, never pushes products, and treats my wealth as if it were his own.”
    David R
    Retiree

  • Ron has Been an Exceptional Advisor

    “I initially reached out to Ron for bond exposure, but his comprehensive review led me to entrust him with my entire portfolio. His research‑driven guidance has delivered consistent growth, even in volatile markets.”
    Sarah L.
    Oxford Club Member

  • preserved my gains and peace of mind

    “After a major business sale, I needed expert guidance on protecting my proceeds. Ron designed tax‑efficient structures and hedges that preserved my gains and peace of mind.”
    Thomas B
    Business Broker

  • Ron is always available for questions

    “As an athlete managing variable income, I needed a flexible plan. Ron built a financial playbook that matches my career’s rhythm and is always available for questions.”
    Alex M
    College Athlete

  • He breaks down exactly what I own

    “Ron’s fee‑only model ensures I never overpay for investments. He breaks down exactly what I own and why, empowering me to make confident, cost‑effective decisions.”
    Karen P
    Executive