Saving feels harder than ever. The U.S. personal-saving rate sits near 4 percent — see the personal saving rate explained — so every basis point of fees matters. Florida's no-income-tax rule helps, but a fee-only fiduciary is what turns "someday" goals into a tracked plan. We vetted Jacksonville's local fee-only firms — Form ADVs, credentials, reviews — and seven rose to the top.
1. Ullmann Wealth Partners (Jacksonville Beach)
CFP®, CPA, and CDFA® bench. ~$1M typical minimum with flexible tiered, flat, and hourly options. Holistic planning from first mortgage to legacy gift. Dedicated Divorce Advisory Group sets them apart for families navigating big transitions.
2. Paragon Wealth Strategies (Jacksonville)
"Get Retired, Stay Retired." Mercer-backed since 2023 but still Jacksonville-led. ~$500K minimum at roughly 1%. Three-meeting discovery covers Social Security timing, Roth conversions, and Medicare surcharges. Flat planning fee available for savers under the minimum.
3. Life Planning Partners (Jacksonville)
Founded by Dr. Carolyn McClanahan — both CFP® and board-certified physician. ~$10K annual retainer. Medicare premiums, long-term care, and prescription costs are baked into every projection. Capped client roster keeps engagements deep.
4. Waverly Advisors (Jacksonville)
RIA born from one of Jacksonville's oldest CPA firms (formerly River Capital). Tax-integrated planning: asset location, Roth timing, charitable gifting. ~$250K minimum at about 1%, with hourly project work for clients below.
5. B&C Financial Advisors (Ponte Vedra Beach)
Three veteran CFP®s, no commissions, founded 1995. Conservative blend of researched individual bonds plus low-cost funds. No formal minimum — diligent savers below six figures welcome. Sleep-at-night philosophy is the headline.
6. Strivus Wealth Partners (Jacksonville Beach)
2025 merger of the Van Wie father-son duo and CFP® Joey Loss. Evidence-based ETF approach in RightCapital. ~$250K minimum at 1% tapered, with flat-fee planning for younger professionals. Weekly Van Wie Financial Hour education.
7. Spark Wealth Advisors (Virtual-first, Jacksonville)
Founder Jake Skelhorn is both a CFP® and an IRS Enrolled Agent. Flat monthly fee covers planning plus full tax prep — no advisor-to-CPA handoff. Investment management optional. No asset minimum. Best for dual-income tech-savvy families.
How to choose
Every firm above is fee-only and a sworn fiduciary, which means a true best interests first standard. Pick by your sharpest pain point: tax efficiency (Waverly, Spark), health-cost modeling (Life Planning), conservative stewardship (B&C), retirement-income engineering (Paragon), or all-life-stage breadth (Ullmann). Book a free intro call and bring your three biggest questions.
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