John Ceparano


Modera Wealth Management

Principal & Wealth Manager

John Ceparano


Modera Wealth Management

Principal & Wealth Manager

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - John Ceparano, CPA/PFS, CFP®, M.Tax

Fee-Only financial planner located in Inverness, FL, serving clients locally and across the country

John Ceparano is an Inverness, FL fee-only financial planner. Modera Wealth Management provides comprehensive financial planning, investment management and foundation/endowment investing to help individuals, families, trusts, institutions, and philanthropic organizations organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, John Ceparano is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

John J. 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™certification,  the CERTIFIED PUBLIC ACCOUNTANT and the 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 Board of Directors of the Boys and Girls Club of Citrus County and is an active member of his local Rotary Club. He also has served on the Trinity Catholic High School Board of Trustees, Strategic Planning Committee, and Finance Committee for the past six years.

John enjoys spending time with his wife Mary Ann and three sons, traveling, cycling and snow skiing. 

John Ceparano is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.

NAPFA members live by three important values:

  • To be the beacon for independent, objective financial advice for individuals and families.
  • To be the champion of financial services delivered in the public interest.
  • To be the standard bearer for the emerging profession of financial planning.

Modera provides thoughtful financial counsel to discerning individuals and organizations. Overseeing $6.95 billion in regulatory assets under management as of December 31, 2021. We operate on a fee-only model that puts our clients’ needs ahead of our own. Our team members, located in our seven offices along the East  Coast, provide customized, compassionate financial guidance derived from a combined depth of resources and knowledge that spans nearly 40 years.

Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.


  • Comprehensive Financial Planning
  • Retirement Income Planning
  • Investment Management
  • College Education Planning
  • Tax Planning

Ideal Clients

  • Retirees and Near Retirees
  • Business Owners and Entrepreneurs
  • Baby Boomers
  • High Net-Worth Clients
  • Medical Professionals

Working Together

  • In-Office Meetings
  • Virtual Meetings
  • Clearly Defined Fees
  • No Product Sales
  • Complimentary Initial Consultation

Professional Designations & Affiliations

  • National Association of Personal Financial Advisors (NAPFA)
    John Ceparano is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.

  • Certified Financial Planner (CFP)
    John Ceparano is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification

    CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.

  • CPA - Certified Public Accountant
    John Ceparano is a Certified Public Accountant (Learn More)

    A Certified Public Accountant (CPA) is a professional accountant who has met the education and experience requirements set by their state's Board of Accountancy and has passed the Uniform CPA Exam. CPAs are licensed to provide a wide range of accounting services, including financial statement preparation, tax planning and preparation, auditing, consulting, and other financial advisory services.

  • CPA/PFS - Personal Financial Specialist
    John Ceparano is a Personal Financial Specialist (PFS)

    The Personal Financial Specialist (PFS) credential is granted solely to CPAs (Certified Public Accountants) with considerable personal financial planning education and experience. All areas of personal financial planning—including estate, retirement, investments, and insurance—have tax implications, and the PFS professional has the experience, ethics, and expertise to get the job done right.

Contact John Ceparano

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Office Locations:

  • 221 W Main St
    Suite A
    Inverness, FL 34450

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