Fee-Only Financial Advisor in Lake Mary

Planning For High-Income Families And Commercial Real Estate Executives In Lake Mary, Heathrow, And North Seminole County

Lake Mary is a straight shot down I-4 to our Maitland office, about 20 minutes. Sean Gerlin, CFP® CPWA® ChFC® CLU®, of Envision Wealth Planners helps executives, business owners, and high-income families in Lake Mary and Heathrow align their wealth with the life they want. Fee-only, paid only by clients, never by commission.

We spend a lot of time up in Lake Mary. Most of the people we sit down with there are paid in more than a salary: a bonus, restricted stock, deferred comp (pay you agree now to receive years from now), and a 401(k) that's quietly heavy in company stock. The rest are business owners in Heathrow and Timacuan who built the company that funds the club membership, the travel, and the kids' tuition.

Those are the two kinds of families we work with most. I founded Envision in 2018 after leaving a commission-based brokerage, because I wanted advice to answer to the client and no one else. We're a small firm on purpose. You'll talk to the person who does the planning, we'll coordinate with the CPA and attorney you already have, and we'll start with what you want your life to look like before we touch a single statement.

How We Work

How We Help Families and Business Owners in Lake Mary

Compensation that arrives in more than one form

If you're an executive in the Lake Mary corridor, a good share of your pay probably vests, defers, or lands as a bonus rather than a paycheck. Each piece is taxed at a different moment. We map the whole picture, decide how much of your net worth should ride on your employer, and time the sales and elections so April isn't a surprise. The deferred comp election is usually the urgent one, because its deadline comes long before the money does.

A bonus year is a tax year

When a big bonus or a stock vest lands, your employer withholds at a flat rate that often sits well below the bracket the income actually pushes you into. The gap shows up in April. We estimate it the month it happens, decide what gets set aside, and look at whether the year is also the right one for a Roth conversion or a larger charitable gift. Then we loop in your CPA while there's still time to act.

When the 401(k) is mostly company stock

We meet a lot of Lake Mary executives whose salary, bonus, stock grants, and retirement plan all depend on the same employer. It feels like loyalty. It's concentration. We work out how much of your net worth should ride on one company, then diversify the rest on purpose, including private real estate and private credit where they fit. If they don't fit, we say so.

Leaving the corporate world on your own schedule

Plenty of the executives we work with don't want to retire. They want the option to walk away from the next reorg without checking the balance first. That takes a deliberate mix of taxable, tax-deferred, and Roth money, a plan for the years before Social Security, and honesty about what the club and the travel actually cost. We build toward the option. What you do with it is up to you.

Meeting Us

How Meetings Work

Lake Mary to our Maitland office is about 20 minutes down I-4, so plenty of north Seminole County clients come in for the first meeting and then run reviews by video, and some do the whole relationship remotely. If you'd rather sit down in person, we're at 910 McGregor Way just off Maitland Boulevard, with parking at the door. Everything starts with a 20-minute introductory call. It's a conversation, and you don't need to bring anything. From there, it's our five-step Financial Life Planning process: we get to know your life, gather the documents, build the plan, review it together while you push back, then meet through the year as things change.

Want the detail?

Envision Wealth Planners

910 McGregor Way
Maitland, FL 32751

407.720.6535
connect@envisionplanners.com

Sean Gerlin, CFP® CPWA® ChFC® CLU®
Founder and Registered Investment Advisor

Frequently asked questions

How far is your office from Lake Mary?

About 20 minutes south on I-4, traffic permitting. We're at 910 McGregor Way, Maitland, FL 32751, just off Maitland Boulevard. Many Lake Mary and Heathrow clients come in once and then work with us over video, which fits a corporate calendar better than a standing weekday drive.

I have RSUs, a bonus, and a deferred comp plan. Can you help me sort it out?

Yes, and the deferred comp election is usually where we start, because it has a deadline and is hard to unwind. We look at what you hold, how much of your net worth sits in employer stock and employer promises combined, and what each vesting year does to your taxes. This is planning work done alongside your CPA, not tax preparation.

Most of my net worth is in my business. Is that a problem?

It's the situation we see most often with Heathrow business owners, and it's where the plan has to begin. We look at valuation, liquidity, what a sale would produce after tax, and whether the business could run without you for six months. Then we build the rest of the plan to complement that asset rather than ignore it.

What does fee-only mean for me?

Every dollar we earn comes from our clients. No commissions on investments, no insurance sales, no referral fees, so nothing we recommend pays us more than the alternative. Envision has been fee-only since I founded it in 2018, and it's the reason the firm exists.

Do you have a minimum?

Our minimum annual fee is $10,000, charged based on assets under management. If your assets don't reach the minimum on their own, we can work out other ways to meet it. We bring fees up on the first call so there's never a surprise.

Envision Wealth Planners is a fee-only Registered Investment Advisor. This page is informational and is not an offer of personalized investment advice. See our SEC adviser record for disclosures. Reviewed September 2026.

Proud Members Of

Schedule a Consultation

Talk With a Fee-Only Advisor Serving Lake Mary

Before we dive into the details of your finances and investments, we want to learn more about your situation. A 20-minute introductory call allows us to get to know each other and answer your preliminary questions.

Schedule a Consultation