Todd Sensing



Financial Advisor

Todd Sensing



Financial Advisor

As a fee-only financial planner, my focus is to offer unbiased financial advice to help you achieve your life goals. - Todd Sensing, CFP®, CFA

Fee-Only Financial Planner serving families and clients across the country, regardless of location.

Todd Sensing is a Destin, FL fee-only financial planner. FamilyVest provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Todd Sensing is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.

Todd Sensing is a Fee Only Financial planner located in Miramar Beach, FL. Todd Sensing is a NAPFA-Registered Financial Advisor.

Before founding FamilyVest, I spent 20 years in banking and portfolio management, highlighted in 2007, when I started and managed Aardvark Market Neutral Fund. Successful, yet unsatisfied, I discovered that my greatest moments come when  I work with a family that believes a financial planner would be of little benefit or cost too much. As they see how I can help them achieve their goals and dreams in ways they never imagined possible, the transformation of their doubts into optimism is empowering.

Connect with Todd on LinkedIn.

Please click here to request a copy of FamilyVest’s ADV Brochure.

Educational Credentials

A seasoned financial professional with over two decades of experience, I hold some of the industry’s most prestigious credentials. The CFA designation binds me to follow the highest standards of ethics in the investment profession. The needs of my clients always come before my own.

Chartered Financial Analyst®, CFA Institute
Certified Financial Planner®, CFP Board
Master of Business Administration, Finance, Georgia State University
Bachelor of Science, Economics, Georgia State University


CFA Institute

XY Planning Network

National Association of Personal Financial Advisors (NAPFA)

Financial Planning Association (FPA)

Todd Sensing is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is the country’s 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

Your Family’s Needs are Special

Every family has a life cycle. Some couples are newly married, others have children in school, and others are close to retirement. No matter where a family is in the life cycle, they have one desire: to create security and achieve the well-being of all their loved ones. Every stage brings forth a set of needs that constantly evolve as each family grows. These needs are unique, special, and deserving of the highest standard of care that the investment profession can provide.

At FamilyVest, our sole focus is on families. We understand that while raising a family is one of the most meaningful things you will ever do, it is full of stress and important decisions. We strive to provide you the peace of mind that comes when you know a comprehensive plan is in place to provide for and protect your family now and in future.

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
  • Growing Families
  • Business Owners and Executives
  • Sudden Money Situations
  • Novice Investors

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)
    Todd Sensing is a NAPFA-Registered Financial Advisor

    The National Association of Personal Financial Advisors (NAPFA) is the country’s 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)
    Todd Sensing 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.

  • CFA - Chartered Financial Analyst
    Todd Sensing is a CFA® charterholder

    A Chartered Financial Analyst® (CFA®) is a professional designation given by the CFA Institute, formerly AIMR, that measures the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis.

  • XY Planning Network
    Todd Sensing is a Member of the XY Planning Network

    The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.

Contact Todd Sensing

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Office Locations:

  • 4300 Legendary Drive
    Suite 226
    Destin, FL 32541

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