The people behind your S Corp.

Mike Salmon, CFP®, EA

Mike is a seasoned tax and business consultant with nearly two decades of experience helping small business owners—particularly commercial real estate (CRE) brokers—streamline their financial lives. His expertise lies in simplifying complex financial decisions, allowing clients to focus on their businesses while optimizing tax strategies, cash flow, and long-term financial success. Recognized as a 40 Under 40 honoree by Investment News and the Orlando Business Journal and named one of Financial Advisor magazine's 2018 "10 Young Advisors to Watch." Mike lives in Central Florida with his wife, Tiffany, and their five children.

Mike has been with the firm since 2007. His primary focus is serving commercial real estate brokers, particularly those who qualify for Qualified Real Estate Agent (QREA) status, helping them navigate the complexities of setting up and managing S Corporations to optimize tax savings and retirement contributions. He is a former president of the Financial Planning Association of Central Florida and has contributed expert insights to CNBC.com, Investopedia, and the Orlando Sentinel.

Jake Crandall, CFP®, CPA

As a financial advisor and CPA dedicated to serving successful commercial real estate brokers, Jake focuses on creating customized strategies to optimize cash flow, reduce taxes, and plan for retirement from brokerage. Specializing in S Corp management, QBI optimization, and other advanced tax strategies, he helps clients maximize savings and reinvest more into their businesses. He also helps brokers navigate the challenges of being self-employed, securing necessary insurance, and making the most of a small-business-friendly tax code. With a proactive approach to tax planning, Jake guides his clients to minimize liabilities and avoid surprises, eliminating the guesswork each year.

Jake holds a BBA and Master of Accountancy from Baylor University, with prior experience at KPMG, Cahaba Wealth Management, and Foster Financial Group.

William Wallace, EA

William is a financial analyst who joined our firm in early 2023. He works closely with Mike Salmon to support commercial real estate (CRE) brokers, handling a wide range of account functions including new account setups, transfers, and ongoing maintenance. He also partners with the tax department to deliver critical tax projections tailored to CRE brokers. William is an Enrolled Agent (EA) and is currently preparing for the Certified Financial Planner (CFP) exam. He is a proud alumnus of Florida State University, where he graduated with honors in 2021 with a Bachelor of Science in Finance.

Kevin McDermott, CPA

Kevin is a Certified Public Accountant (CPA) by the State of Florida and joined the firm in 2021 as Tax Manager. He earned his Bachelors and Masters in Accounting degrees from the University of Florida. Kevin has over a decade of experience in comprehensive tax consulting, planning, and compliance services for a variety of industries and families. He manages our in-house Tax Department providing tax return preparation, projections, and planning strategies to our wealth management clients for personal, trust, gift, estate, and closely-held business tax returns. Kevin is a member of the American Institute of Certified Public Accountants (AICPA) and Florida Institute of Certified Public Accountants (FICPA).

Stephanie Melara

Stephanie joined the firm in 2023 as a tax associate. Her work with the tax department consists of providing tax return preparation, projections, and planning strategies to our wealth management clients for personal, trust, gift, estate, and closely-held business tax returns. She has over 3 years of experience in tax compliance services for a variety of industries in different states. She is a University of Central Florida alumni and has her Bachelors and Masters in Accounting.

Brad Brescia, CFP®

Brad Brescia is a CERTIFIED FINANCIAL PLANNER™ professional who serves as a long-term advisor to families navigating complex financial decisions. He functions as a family CFO, guiding clients through cash flow planning, retirement preparedness, investment strategy, estate and trust considerations, and multi-generational wealth. Since beginning his career in 2009, Brad has worked with individuals, families, and business owners who value coordination and clear direction in their financial lives. Brad joined Moisand Fitzgerald Tamayo in 2023 after building a broad foundation across the financial planning profession. He has honed his practice to work specifically with top producing real estate agents.

Casandra Garrett, CFP®, EA

Casandra is a CERTIFIED FINANCIAL PLANNER® professional who joined the firm in 2019 after a "return-to-work" internship. She is also an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving her unlimited practice rights representing taxpayers before the IRS. She has over 20 years of experience in the financial services industry, including client services, investments, and supervisory responsibilities. She assists the Financial Planning Department with developing client financial plans and retirement models and the Tax Department with the preparation of tax returns and tax projections. Casandra graduated with honors from Belhaven University in Jackson, MS in 1993 with a Bachelor of Science in Business Administration.

Charlie Fitzgerald, III, CFP®

Charlie Fitzgerald III, is a principal and founding member of the firm. With the support of our team of experienced professionals, Charlie provides financial planning and wealth management services to high-net-worth individuals, corporate executives, business owners, retirees, and trustees. Charlie recently completed a four-year term as a board director for the Certified Financial Planner Board of Standards, Inc. He has been a member of the Development Committee for the CFP Board's Center for Financial Planning since 2015. Charlie has three decades of leadership and civic involvement through his church, community and profession. He and his wife, Lisa, have been married for 37 years and have three adult children and three grandchildren.

Claire Mendez

Claire has been with the firm since early 2022 and assists with a variety of administrative operations across multiple departments. She works closely with the tax team to coordinate the delivery of completed returns, respond to client inquiries about the filing process, and ensure timely submission to the IRS. Claire also assists the compliance team with administrative details that ensure the firm maintains SEC compliance, and helps the marketing team facilitate clear, consistent communication with our clients. She graduated with honors from Rollins College in 2021 with a Bachelor of Arts in Communication Studies.

Connor Ryan, CFP®

Connor Ryan joined the team in 2023 after completing an internship with the firm. He graduated from Florida State University in 2019 with a Bachelor of Science degree in Criminology. He works in the Melbourne office assisting advisors with the development and analysis of retirement models and financial plans. Connor is a CERTIFIED FINANCIAL PLANNER® professional. He is happily married and enjoys spending time with his growing family.

Dan Moisand, CFP®

Dan Moisand is a fee-only financial advisor in our Melbourne, Florida office and regarded by many as one of America's top financial advisors for retirees and near retirees. A happily married father of two, he was the 2023 Chairman of the Board of Directors of CFP Board, the body that grants the CERTIFIED FINANCIAL PLANNER® and CFP® credentials to 107,000 professionals in the U.S., is a past national President of the Financial Planning Association, and has been featured as one of America's top financial planners by at least 10 financial planning publications.

Dave Baker, APMA®

Dave works as a Portfolio Manager. He graduated from the University of Central Florida with a Bachelor's degree in Finance, holds the Accredited Portfolio Management Advisor℠ – APMA® designation and has been with the firm since 2014. Dave works closely with the Financial Planning Department to complete all trade work in client accounts as needed. He reconciles client portfolios to confirm they agree with their Investment Policy Statement. Dave also ensures all fund data is current and all allocation and security level models are accurately reflected.

Derrick Chandler, CFP®

Derrick is a seasoned financial planner with over 20 years of experience at our firm. As head of the Financial Planning Department, he specializes in creating tailored strategies for retirees, business owners, and young professionals, focusing on wealth building, tax efficiency, and long-term financial security. Derrick has been with MFT since 2002, where he has held various roles, including operations, trading, and lead advisor. He serves on the board of managers, where he provides strategic insights that help guide the firm's long-term vision.

DJ Hunt, CFP®

DJ has been serving clients in various areas of financial planning, investment management and banking since 2001. He joined MFT in 2020 and is an owner of the firm. In addition to his duties as a financial advisor, DJ is the firm's Chief Compliance Officer and chairs the Investment Committee. Living and working on Florida's "Space Coast," many of DJ's clients are literally rocket scientists! DJ and his team have developed tailored services in financial planning and wealth management for professionals working in or retiring from the aerospace and defense industries.

Julie Mayes

Julie has been with the firm since early 2023. She assists Derrick Chandler, Mike Salmon, and Tommy Lucas' clients with a variety of account services such as new accounts, transfers, 401(k) rollovers, beneficiary changes and account title changes. Julie also coordinates with planners to process and maintain clients' cash needs. She has over 18 years of experience in the financial services industry, including client services, investments, and private banking. Julie graduated with honors from Ashford University in San Diego, CA in 2018 with an Associate's Degree in Finance.

Kelley Emery

Kelley Emery joined the firm in early 2024 and brings a wealth of experience to her role supporting the clients of Charlie Fitzgerald, Derrick Chandler, Brad Brescia, and Tommy Lucas. She manages a broad range of account services, including new account setup, transfers, 401(k) rollovers, beneficiary updates, estate processing, and account title changes. Kelley earned her Bachelor of Science in Psychology from Florida Southern College and brings more than 18 years of expertise in the financial planning industry.

Lisa Maddox

Lisa is our Operations Manager. She graduated from the University of Georgia with a bachelor's degree in Business Administration and a Certificate of Supervision and Management. For 15 years, Lisa has worked in data management and workflow development. The operations team monitors our data closely to ensure integrity and quality. Lisa also manages our offices workflows and automations and assists each department with aligning standard operating procedures.

Paula Rocha, EA

Paula joined the firm in 2019 after working as a summer intern. She is an Enrolled Agent, the highest credential the Internal Revenue Service awards, giving her unlimited practice rights representing taxpayers before the IRS. She earned a Bachelor of Science degree in Personal Financial Planning from the University of South Florida. Paula assists the Financial Planning Department with developing client financial plans and retirement models and the Tax Department with the preparation of tax returns and tax projections. Paula is currently pursuing a Certified Financial Planner designation.

Ron Tamayo, CFP®, EA

Ron Tamayo is a principal and founding member of the firm. He is a Certified Financial Planner®, Enrolled Agent with the IRS and a NAPFA-Registered Advisor. He specializes in retirement planning, investment management and tax reduction strategies for small business owners and professionals. He acquired his CERTIFIED FINANCIAL PLANNER® certification in 1994 and has over 30 years of experience in financial planning and tax compliance. Ron is past Chairman and President of the Financial Planning Association of Central Florida and served on the Journal of Financial Planning's Editorial Review Board for over ten years.

Ryan Clancy

Ryan Clancy joined the team in Orlando as a Financial Analyst in 2025. He graduated from the University of Florida with a Bachelor of Arts in Business Administration, specializing in Wealth Management and Entrepreneurship. Ryan is currently pursuing the Certified Financial Planner designation. He is passionate about helping clients achieve long-term financial confidence and is committed to bringing clarity and care to the financial planning process.

Ryan Osborne, CFP®, CFA, EA

Ryan specializes in working with high-net-worth individuals and high earners who seek a long-term, disciplined approach to investing. With over seven years of experience at Moisand Fitzgerald Tamayo, he helps clients confidently navigate capital markets and make informed tax decisions aligned with their goals. Based on Florida's east coast, Ryan leads our Fort Pierce and Daytona Beach offices. Ryan is a CERTIFIED FINANCIAL PLANNER® professional, CFA® Charterholder, and an Enrolled Agent, the highest credential awarded by the Internal Revenue Service.

Steve Stone

Steve is a Central Florida native who joined our firm in early 2024 as a member of our Operations Department. He has over 2 decades of experience in graphic design, website development, website design, and teaching. Steve assists the Operations Department with a variety of tasks including CRM data management, workflow development, procedural development, and personnel training. As the operational reporting associate, Steve also focuses on the quality and accuracy of creating and distributing our client Quarterly Reports.

Tommy Lucas, CFP®, EA

Tommy helps clients take control of their finances by optimizing cash flow and creating intentional retirement plans. He specializes in tax planning, with particular attention to income tax withholding and employer benefits. Tommy routinely advises on advanced strategies including 401(k) contribution optimization, backdoor and mega backdoor Roth conversions, capital loss harvesting, and 0% capital gain harvesting. Tommy began his career at the firm as an intern and grew into his current role as lead advisor and owner. He heads the firm's internship program and has written exam questions for CFP Board's national certification exam. His commentary has been featured on CNBC and The Wall Street Journal.

Tracy Smith

Tracy has been with the firm since 2008 and assists our Melbourne area advisors with a variety of tasks. She assists with a variety of client account services such as new accounts, transfers, rollovers, beneficiary changes, address changes, account title changes, coordinating with estate planning attorney offices and CPA's, and other administrative details that will ease a client's financial life. She also works closely with the other Client Service Managers and partners to assure that all of our clients needs are met.

Tyler Stephens

Tyler is a central Florida native who joined our firm in 2023 as a data entry specialist and is a member of our Operations Department. He received his certification in Full-Stack Web Development from the University of Central Florida in 2017. Tyler assists the operations department with a variety of tasks including data management, software integration, data integrity and continuity. He focuses on the reconciliation and management of data maintained in our client's portals.