Andrew Trammell (CFP®, EA, MSFP, RICP®)
Andrew Trammell focuses in the
following client markets or areas of practice:
- AUM
- Baby Boomers
- Business Owners
- Cash Flow/Budgets/Credit Issues
- Federal Employees
- Financial Psychology/Coaching
- AUM
- Baby Boomers
- Business Owners
- Cash Flow/Budgets/Credit Issues
- Federal Employees
- Financial Psychology/Coaching
Planning Specialties
Retirement Planning
Florida Retirement System (FRS) guidance: Pension, DROP, Investment Plan
Social Security analysis (including Windfall Elimination Provision / Government Pension Offset considerations)
Retirement income planning & distribution strategies
Required Minimum Distributions (RMDs) & Qualified Charitable Distributions (QCDs)
Investment Management
Portfolio analysis & allocation
Rebalancing strategies & risk tolerance alignment
Tax-efficient investing (asset location, tax-loss harvesting)
Employer retirement plan reviews (401(k), 403(b), 457, 401(a))
Tax Planning
Year-round proactive tax planning
Roth conversions & distribution strategies
Coordinating retirement income with tax efficiency
Planning for charitable giving and legacy goals
Strategies for medical professionals and FRS/local government employees
Tax Preparation
Individual tax return preparation (Form 1040)
Itemized returns and complex filing situations
Electronic filing and secure digital record storage
Integration with ongoing tax planning
Year-end reviews to minimize surprises
Cash Flow & Debt Planning
Budgeting and savings strategies
Debt management (student loans, mortgages, credit)
Cash reserve planning (emergency funds, sinking funds)
College savings (529 plans, FAFSA planning)
Estate tax considerations
Additional Information
Have you ever woken up in the middle of the night, worried about your financial future? You’re not alone—and I’ve dedicated my career to helping people find peace of mind when it comes to money.
I hold a Master’s Degree in Personal Financial Planning from Kansas State University (go Wildcats!) and am proud to be a CERTIFIED FINANCIAL PLANNER™ (CFP®), Enrolled Agent (EA), and Retirement Income Certified Professional® (RICP®). For the past seven years, I’ve worked behind the scenes crafting detailed financial plans for advisors across the country—helping clients invest wisely, retire confidently, and make smart decisions about Social Security, among other complex financial topics.
Now, I’m bringing that experience directly to individuals and families. My mission is simple: to provide clear, actionable financial guidance that helps you sleep better at night and live better during the day.
I live in the Village of Wellington, Florida—if you're into polo, you’ve probably heard of it! My amazing wife, Fabiola, is a Registered Nurse and was recently accepted into the Nurse Practitioner program at FAU. We have two incredible kids: Alexander (11), who’s all about tech and space, and Leah (9), who’s passionate about soccer and gymnastics.
Whether you're planning for retirement, navigating a career change, or just trying to make sense of your financial future, I'm here to help.
NAPFA Start Date
August 29, 2025
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