Ronald  Tamayo

Ronald Tamayo

| CFP®, EA

Moisand Fitzgerald Tamayo, LLC

(321) 253-5400

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Fee-Only Financial Planner Located in Orlando and serving clients nationwide


  • Financial Planning
  • Retirement Planning
  • Wealth Management
  • Portfolio Management
  • Tax Planning
  • Estate Planning
  • Asset Management
  • Retirement Income Planning
  • Trust Management


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6767 N. Wickham Road
Suite 215
Melbourne, FL 32940

200 S Orange Ave
Suite 2025
Orlando, FL 32801

Fee-Only & Fiduciary

The National Association of Personal Financial Advisors (NAPFA) is the country's leading association of fee-only and fiduciary financial planners.

Ronald Tamayo is an Orlando, FL and Melbourne, FL based fee only financial planner serving central Florida and clients across the country. Moisand Fitzgerald Tamayo, LLC specializes in providing objective financial planning, retirement planning, and investment management to help clients build, manage, grow, and protect their assets through life's transitions.  Ron Tamayo is a NAPFA-Registered Financial Advisor and a CERTIFIED FINANCIAL PLANNER™ Professional.

Ron Tamayo is a principal and founding member of the firm. He specializes in retirement planning, investment management and tax reduction strategies for corporate executives and business owners. He acquired his Certified Financial Planner™ certification in 1994 and has over 25 years of experience in financial planning and tax compliance.

Ron’s expertise in financial planning has been recognized by the Journal of Financial Planning, where he serves on their Editorial Review Board. He also served for two years as a member of the Journal’s Editorial Advisory Board.

Ron Tamayo is past Chairman and President of the Financial Planning Association of Central Florida and served as an Executive Committee member of the Central Florida Estate Planning Council. He is also a member of the National Association of Personal Financial Advisors, the nation’s leading organization of fee-only com-prehensive financial planning professionals.

Ron’s planning advice has been featured in various national and local media including Smart Money magazine, Florida Trend magazine, Morningstar, Winter Park/Maitland Observer and the Orlando Sentinel. He is also a two time recipient of the Five Star Wealth Manager Award.

Ron earned a Bachelor of Science degree in Accounting from Orlando College and was an Adjunct Instructor of Financial Planning and Investments at the University of Central Florida. He is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving him unlimited practice rights representing taxpayers before the IRS.

We can’t know what the future holds, but preparing a sound financial plan can help to ensure you will be ready for whatever lies ahead. Uncertainty in the financial markets makes having an advocate for your family’s unique interests even more essential.  In a world where conflicts of interest and poor strategies abound, we have created a sanctuary offering stability and a reliable source of truly independent, objective advice for families.
  • We are caring.  While we work on portfolios and other financial matters, we work for individuals and families.
  • We are independent fiduciaries. We work for no one but our clients, and our legal obligations are to our clients’ interests first and foremost. We never “switch hats” to become sales people.
  • We are objective.  We may recommend, or not recommend, any investment from any source. We receive no compensation based upon the sale or purchase of any particular products.  All products are evaluated based solely upon their merits or lack thereof and not on any compensation incentives.
  • We are disciplined. We evaluate financial products, investment opportunities, and strategies with a healthy dose of skepticism that has often helped our clients improve their prospects for success by avoiding overlooked risks and unnecessary costs.
  • We are investors, not speculators.  We manage our clients’ investment portfolios but we do not “play the market,” try to time the market or otherwise gamble with our client’s money.
  • We are proactive.  We scour the economic, tax, and market environments to identify opportunities to shore up financial weaknesses without lessening strengths.
  • We are realistic.  We do not believe in following investment gurus. We consider the mainstream financial media as mostly a source of entertainment and not a meaningful aid to sound decision-making.
  • We are well-qualified.  Our team has six CFP® professionals working for you, and the resumes of our principals speak for themselves.  Ron Tamayo is a member of the Editorial Review Board for the Journal of Financial Planning.  Charles Fitzgerald, III served as President of the FPA of Florida and Dan Moisand recently was national President and Chairman of the Financial Planning Association (FPA).
  • We are experienced.  We have guided our clients through bubbles and busts, bull markets and bear markets, hype and hysteria, all while helping them make sound decisions regarding their retirement plans, taxes, education expenses, estate plans, trust management, risk management, stock options, health care needs and whatever else has arisen.