John  Ceparano

John Ceparano


Modera Wealth Management, LLC

Fee-Only Financial Planner serving the Inverness, FL area.


  • Fee-Only Financial Planning
  • Financial Review
  • Hourly Fee Consultations
  • Retirement Planning
  • Investment Management
  • Tax Planning
  • Estate Planning
  • Insurance Services
  • College Education Planning
  • 401(k) and IRAs
  • Business Planning
  • Employee Benefits

Visit Us

221 W Main St
Ste A
Inverness, FL 34450

John Ceparano is a NAPFA-Registered Financial Advisor.
NAPFA is the country's leading association of Fee Only Financial Planners.
What is "Fee Only Financial Planning," and why is it important?

John Ceparano is a Principal and Wealth Manager at Modera Wealth Management, LLC. As a Wealth Manager, he has had the privilege to provide advice to high net worth individuals, families, businesses, nonprofit organizations and fiduciary clients in all areas of their investment and wealth management needs. 

John has over 25 years of experience in financial planning, taxation, business consulting, financial counseling for closely-held business owners, and serving the needs of high net worth individuals. He was formerly employed at Price Waterhouse, rising to the position of Senior Tax Consultant; Manager and CPA® with Blau, Soloway, & Goldstein in New York; President of Business Blocks, Inc., an accounting and tax firm; and President of Joseph & Company Certified Public Accountants, Inc. John also has served as an adjunct faculty member with St. John's University and the University of Florida, where he taught classes in business management and finance.

He graduated with a Bachelor of Science degree in Accounting, with a minor in Economics, from St. John's University in 1985. John received his Master of Taxation degree from Florida Atlantic University in August 2005. He holds the CERTIFIED FINANCIAL PLANNER™, CERTIFIED PUBLIC ACCOUNTANT and PERSONAL FINANCIAL SPECIALIST professional designations. 

John is co-author of The Science of Investing: How to Apply Academic Research to Reduce Risks and Increase Investment Returns. He also frequently writes articles for newspapers covering various wealth management topics and serves as a wealth management panelist for St. John’s University’s “Meet the Expert” Forum.  John is active in his local community. He currently serves on the Trinity Catholic High School Board of Trustees, Strategic Planning Committee, and Finance Committee. He is also an active member of his local Rotary Club.