Start a Conversation Financial life, coordinated
We coordinate your investments, financial plan, tax planning, retirement, and legacy decisions around one strategy. You stay in control without having to manage every moving part.
Based in DeLand, Florida · Working with clients in Florida and beyond
You should not have to be the project manager for your advisor, your CPA, your attorney, your insurance, and every account you have accumulated.
That coordination is the work.Investment management + financial planning
Your portfolio is designed around evidence, cost, diversification, risk, taxes, and the job your money needs to do. Asset allocation, asset location, rebalancing, harvesting, and withdrawal sequencing are considered as parts of the same design.
Gio holds a PhD in Finance. Portfolio theory, asset pricing, and risk management are the foundation of how the investment work is judged.
Explore investment managementA financial plan is not a document you receive once. It is the way decisions about retirement income, taxes, benefits, insurance, estate coordination, charitable giving, and major life changes get made over time.
You approve the direction. Our team prepares, coordinates, and follows through. Gio advises you directly and handles the complex judgment.
Explore financial planningWho we work with
Fit is not defined by a single age, occupation, or account balance. It starts with meaningful financial complexity and a desire for a trusted team to keep the whole picture organized and moving.
You have spent years accumulating. We turn the accounts you have built into a coordinated plan for income, taxes, healthcare, and the people and causes that matter to you.
Your financial life has grown more complicated than your calendar allows. We coordinate investments, equity compensation, benefits, tax planning, and the decisions that connect them.
Your business and personal finances cannot be planned in separate rooms. We help bring cash flow, retirement plans, investments, tax planning, risk, and long-term decisions into one picture.
How it works
Accounts, taxes, benefits, insurance, estate documents, cash flow, and the goals behind all of it. We begin by making the whole financial life visible.
The portfolio, financial plan, tax strategy, and protection decisions are designed together, not handled as disconnected projects.
Our team handles routine preparation, implementation, coordination, and follow-through. Gio advises every household directly and retains final planning and investment judgment.
We review what matters, adjust when your life or the rules change, and bring decisions to you while there is still time to act.
Built for continuity
Fernandez Wealth Management continues a practice Gio's father, Ray Fernandez, built. They spent years planning the handoff deliberately. When Ray died in 2020, Gio learned firsthand what separates a succession plan that exists on paper from one that actually holds.
That experience shapes the firm today: thoughtful preparation, clear ownership, direct relationships, and a team designed to support the client without making the client coordinate the team.
Read our story
Meet Gio
I'm Giovanni “Gio” Fernandez. I lead the firm, advise every household directly, and make the planning and investment decisions that require professional judgment. The team around me handles the preparation, implementation, service, and follow-through that keep those decisions moving.
I hold a PhD in Finance and the Retirement Income Certified Professional® designation, and I am a CERTIFIED FINANCIAL PLANNER® professional. Years of research and teaching shaped how I think about evidence, but the standard is practical: explain the reason, tell the truth, and do what is right for the client.
Meet Gio and the teamSupporting the relationship
Gio remains your advisor. The FWM team keeps the preparation, service, operations, and compliance work organized so important decisions continue moving.
Meet the FWM teamStart with a conversation
The first conversation is twenty minutes. We will talk about what is taking your attention, what you want help with, and whether the relationship makes sense on both sides.