Brennan Decima, CFP®
We Help Retirees and Executives Create Tax-Smart Retirement Income
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Decima Wealth Consulting
Brennan Decima, CFP®
St. Petersburg, FL
Serving Clients Nationwide
We Help Retirees and Executives Create Tax-Smart Retirement Income
5 out of 5 Stars
Jump to Reviews
Areas of Focus
- Cash Flow
- Employee Benefits
- Employee Stock Options
- Equity Compensation Options
- Estate Planning
- Financial Life Planning
- High Net Worth
- Inherited Wealth
- Investment Management
- Retirement Planning
- Tax-Smart Accumulation Planning
- Tax-Smart Distribution Planning
About Brennan Decima, CFP®
As founder of Decima Wealth Consulting, Brennan Decima brings over 15 years of expertise in building relationships and guiding families to grow and safeguard their wealth.Since 2008, he has served as a trusted advisor to numerous C-Suite executives, high-net-worth individuals, and accomplished families. Brennan’s extensive experience and meticulous approach enable him to help clients achieve their financial goals.
Brennan has been trusted and recommended by companies such as L3Harris, Johnson & Johnson, Pfizer, Conmed, and Echostar to advise their executives on tax-efficient strategies for wealth accumulation and distribution, executive compensation, and investment planning.
Over his 16 years with Fidelity Investments, he supported over 1,000 high-net-worth clients successfully prepare for retirement while overseeing $3 billion in client assets.
As a recognized thought leader, Brennan has been featured in numerous Fidelity seminars, webinars, and podcasts, covering topics like income planning, tax-efficient investing, market trends, and the impact of elections on investments.
Based in sunny Saint Petersburg, Florida, Brennan enjoys traveling and exploring national parks with his wife Erin and their children, Cohen and Winter. An avid mountaineer, he has climbed and trekked across the globe. Whether navigating a mountain or managing finances, Brennan believes the journey matters as much as the destination.
Professional Designations
- CERTIFIED FINANCIAL PLANNER ®
Primary Location
St. Petersburg, Florida
Additional Locations
📍 Melbourne, Florida
Meeting Options
- Video Conference
- In-Person
- Phone
- Webinars
Compensation Methods
- Fee Only
- Percentage of Assets Managed
What to expect in the first meeting
Click the 'Book Intro Call' button above to schedule a free introductory call. We'll get to know each other and I'll listen to understand your unique circumstances so we can determine the best way to proceed. I look forward to speaking with you.Offers Investment Management
Yes
About Decima Wealth Consulting
At Decima Wealth Consulting, we specialize in helping retirees and executives make smarter decisions about how and when to draw from their retirement accounts.Retirement shouldn’t feel confusing or stressful. That’s why we focus on simplifying complex financial topics like Roth conversions, tax-efficient drawdown strategies, and managing portfolio volatility.
Our mission is to help you keep more of what you’ve earned through personalized planning built around your values. We deliver clear, integrated advice based on three core pillars:
▪️ Understanding your specific needs
▪️ Providing coordinated retirement tax and investment strategies
▪️ Making your financial life simpler and more confident
Retirement Planning Tailored to Your Life-and Your Legacy
At Decima Wealth Consulting, we provide retirement planning designed for executives. Our focus is helping you transition into retirement with clarity, confidence, and a strategy to reduce your tax burden.
We take the time to understand your goals — whether that’s traveling more, relocating, supporting family, or preserving your legacy. From there, we create a retirement income plan that’s built around:
▪️ Roth Conversion Strategies to minimize future tax surprises
▪️ Bracket Management to help avoid higher RMD’s and IRMAA costs
▪️ Legacy Planning to protect your heirs
▪️ Tax Efficient Withdrawal Planning so you keep more of your savings
▪️ Integrated Asset Location Strategies to grow with less tax drag
You’ve worked hard to build your wealth. We’re here to help make sure it works just as hard for you in retirement — with advice that’s always personal, practical, and in your best interest.
Education
Florida State University, Bachelor of Science - BS, Accounting and Finance
Hobbies and Interests
- Family
- Hiking
- Traveling
SEC Lookup
View DisclosureWho We Serve
- Baby Boomers
- Corporate Executives
- Dual Income Family
- Families
- Gen X
- Intergenerational Families
- Living in Retirement
Wealthtender® is a trusted, independent financial directory and educational resource governed by our strict Editorial Policy, Integrity Standards, and Terms of Use. While we receive compensation from featured professionals (a natural conflict of interest), we always operate with integrity and transparency to earn your trust. Wealthtender is not a client of these providers. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.
Write a Review
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Retirement Planning
✅ Wealthtender Certified Advisor Review™
Jan 12, 2026
Brennan what incredibly helpful with a positive outlook on my retirement goals. He was very easy to speak with which made the topic of money more comfortable to discuss. The communication and return on his financial evaluation were timely and thorough. I enjoyed the time that we interacted.
Relationship to Financial Advisor: Client as of Jan 12, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Caring, Trusted Retirement Planner
✅ Wealthtender Certified Advisor Review™
Jan 6, 2026
I have had the privilege of working with Brennan over several years, first at Fidelity and now through Decima Wealth Consulting. Throughout this time, Brennan has consistently demonstrated exceptional expertise in financial planning and a truly holistic approach to wealth management. What sets Brennan apart is his commitment to understanding each client’s unique circumstances and goals. Brennan invests the time to listen carefully, ensuring that every financial strategy is tailored to the individual’s needs. His ability to distill complex financial matters into clear, actionable steps makes the planning process both accessible and empowering. Having worked with other financial planners in the past, I can confidently say that none have matched Brennan’s personal touch, genuine care, and unwavering trustworthiness. Brennan’s communication skills and dedication to client success are second to none. For anyone seeking comprehensive and personalized wealth management, I highly recommend Brennan! His professionalism and client-focused approach make him an outstanding choice for achieving your financial goals.
Relationship to Financial Advisor: Client as of Jan 6, 2026
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Review of Brennan Decima financial planning for retirement
✅ Wealthtender Certified Advisor Review™
Nov 12, 2025
Brennan Decima has helped us planning for retirement and managing funds since
retirement. He is very knowledgable and experienced in financial and related
retirement and ageing issues. He has advised us on consolidating and
reallocating investments while planning for current and future tax payments,
creating a trust and other documents such as power of attorney, and medicare
and health insurance issues. He is very good explaining and reviewing the many
documents we have created with the help of an attorney. He has been
especially valuable by identifying issues and investment options we would not
have considered without his help. We are very satisfied with his assistance
and his availability when we have questions.
Relationship to Financial Advisor: Client as of Nov 12, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Asset preservation and financial strategy
✅ Wealthtender Certified Advisor Review™
Nov 10, 2025
Mr. Brennan is exceptionally knowledgeable and highly helpful. He thoroughly reviewed my current retirement financial status and crafted a clear plan that surpasses the projections of other advisors, ensuring the extension and preservation of my assets.
I want to extend my heartfelt gratitude to Mr. Decima for his exceptional professionalism and remarkable communication skills. His ability to connect and convey information effectively has truly made a difference, and I can't thank him enough for his support!
Relationship to Financial Advisor: Client as of Nov 10, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Superb retirement planner
✅ Wealthtender Certified Advisor Review™
Jul 21, 2025
I was rapidly approaching retirement and felt I needed to get additional financial guidance to successfully fund the next phase of my life. My wife and I had the good fortune to work with Brennan to provide this guidance. Our portfolio was very diverse and somewhat fragmented and needed help. Brennan did a great job providing a plan to modify our portfolio as well as helping us implement the key steps that were needed for success. The end result was a portfolio that should provide long term income as well as have a greater tax efficiency. Brennan is great to work with, an excellent communicator, and outstanding financial planner. I strongly recommend Brennan to help with your wealth management needs.
Relationship to Financial Advisor: Client as of Jul 21, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
A Client-First Advisor Who Leads With Planning, not products
✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
I’ve known Brennan for almost 20 years, and from the start, he stood out as a dedicated, thoughtful, and client-first financial advisor. He puts his client’s best interests first and uses financial planning as the foundation for every relationship. Brennan asks the right questions and listens closely to understand each client’s goals, risk tolerance, and unique circumstances before offering tailored advice. His ability to simplify complex strategies and deliver actionable guidance sets him apart from other advisors.
Relationship to Financial Advisor: This reviewer has never been a client.
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
A Trusted Advisor with Integrity, Insight, and Personalized Service
✅ Wealthtender Certified Advisor Review™
Jun 24, 2025
We first met Brennan through Fidelity, where he managed the financial portfolios of Pfizer Inc.’s executives and retirees. From the outset—and continuing to this day—we’ve been deeply impressed by his expertise, strategic insight, integrity, and approachable demeanor.
Brennan takes the time to get to know each client personally, understanding their unique financial goals and needs before crafting a tailored investment strategy. His approach is holistic, incorporating not only investment management but also thoughtful consideration of tax implications, estate planning, and both pre- and post-retirement needs.
What sets Brennan apart is his ability to stay ahead of today’s rapidly changing global and market dynamics. He offers timely, well-informed advice on portfolio adjustments to maintain the appropriate risk-reward balance in any environment.
Now in retirement, we continue to work closely with Brennan as he helps us meet both our short- and long-term financial goals. He utilizes a variety of strategies and financial vehicles designed for tax efficiency—both in terms of planned withdrawals and future bequests.
Perhaps most importantly, Brennan is a truly kind and trustworthy individual who serves his clients with genuine care and as a true fiduciary. When he launched his own firm, we chose to continue our relationship with him because of the exceptional service, dedication, and expertise we had come to value. We remain very pleased with that decision.
Relationship to Financial Advisor: Client as of Jun 24, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Sets the Standard for Advisors
✅ Wealthtender Certified Advisor Review™
Jun 18, 2025
We've worked with Brennan for many years and we continue to be impressed with his knowledge levels across a multitude of areas. We were impressed from day one, and the deeper we dive into financial planning with Brennan, the stronger our confidence and relationship with him grows. He does an amazing job of identifying, analyzing, strategizing, and explaining in simple terms when needed. He is professional while also being very approachable. My wife and I recommend him wholeheartedly.
Relationship to Financial Advisor: Client as of Jun 18, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Inheritance assistance
✅ Wealthtender Certified Advisor Review™
Jun 16, 2025
Brennan is fantastic. After my dad passed away we were left with some tough decisions regarding my parents portfolio and some obligations to settle. Brennan took the time to understand our situation as well as our goals/concerns. Through the whole experience I never felt pushed in one direction or another. I was educated on our options and the benefits/risks of each. Brennan was great to collaborate with and I look forward to working with him in the future.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Balanced Expertise
✅ Wealthtender Certified Advisor Review™
Jun 16, 2025
Brennan is a very intelligent, educated ,thoughtful, and caring person which is reflected in his professional career.
His choice to be an independent financial advisor has enabled him to apply a personal approach to his clients, which is something that is greatly missed in today’s world of technology.
Relationship to Financial Advisor: Client as of Jun 16, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
The best decision we ever made
✅ Wealthtender Certified Advisor Review™
Jun 14, 2025
Brennan didn’t just help us manage our money, he helped us create a plan that will support our family for generations. It’s given us such peace of mind to know that even after we’re gone, everything is in place to take care of our kids. He’s got a way of taking complex concepts, that we were overwhelmed by, and making them simple to understand. He took all of our needs and wishes into mind and overall, we felt heard, respected, and trust him. We’ve tried a few advisors in the past, and never truly felt 100% comfortable. So glad we found Brennan!
Relationship to Financial Advisor: Client as of Jun 14, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Financial guidance for a retiring mother.
✅ Wealthtender Certified Advisor Review™
Jun 14, 2025
Brennan was fantastic when it came to helping my mother put together a plan for retirement.
Just like any other soon-to-be retiree, my mother was nervous about her savings, expenses, and future income. She had various accounts and sources of potential income, which can be overwhelming when trying to decide which account should be used for what and how to make those accounts work together.
By formulating a retirement plan based on her goals and her lifestyle, Brennan was able to put her mind at ease. She now has the financial peace of mind that she needed to know that she can visit her grandkids, friends, and family across the country.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Truly invested in your success
✅ Wealthtender Certified Advisor Review™
Jun 13, 2025
I’ve had the pleasure of working with Brennan, I can confidently say that his guidance has had a huge impact on my financial life. He brought a level of expertise that immediately made me not only feel comfortable, but confident. I have worked with other CFP’s and what truly sets Brennan apart is how much he genuine cared about my personal goals.
Planning my retirement, managing my investments, and even advice on major life decisions- Brennan took the time to really help me understand my options. If you’re looking for an advisor that cares, educates AND delivers, I give Brennan my highest recommendation.
Relationship to Financial Advisor: Client as of Jun 13, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Great Human and Expert Wealth Consultant
✅ Wealthtender Certified Advisor Review™
Jun 13, 2025
I have known and been using Brennen for financial consultation for over a decade. I have absolute trust and faith in the advice he has provided over the years. He takes his job both personally and professionally. His care for his clients is why I even recommend him to my family. He has proven time and time again to be an expert in his field and provided me with professional opinions on my portfolio that have led to successful outcomes. Thanks Brennan.
Relationship to Financial Advisor: Client as of Jun 13, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Trusted expert!
✅ Wealthtender Certified Advisor Review™
Jun 13, 2025
Brennan took time to understand my goals, my reality, and what my concerns are in this space. That really helped me feel connected to him in a way that allowed me to trust where his recommendations would come from. He provided me with education that allowed me to feel completely confident in what we landed on together. Grateful to have him in my corner!
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Best financial planner
✅ Wealthtender Certified Advisor Review™
Jun 13, 2025
I have used Brennan for years. He is the consummate professional. He’s extremely knowledgeable in tailoring your portfolio to your needs. He is very responsive and calm which is important in this volatile market. I feel very lucky to have found him years ago and if you work with him you will feel that too. I highly recommend him.
Relationship to Financial Advisor: Client as of Jun 13, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
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Wealthtender Awards
Brennan Decima, CFP® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.
Award Disclosures
Wealthtender awarded Brennan Decima, CFP® with its 2025 Voice of the Client Highly Rated Advisor Award on 12/31/25. Rating criteria based on eligible client reviews published on Wealthtender between 1/1/24 and 12/31/25. Although Decima Wealth Consulting compensates Wealthtender for marketing services (including eligibility to be considered for this award), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients. ↗️ View additional award details and FAQs (wt.reviews/awards)
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Get answers to frequently asked questions regarding the services offered by Brennan Decima, CFP®
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FAQs
What makes Decima Wealth Consulting different from other financial advisors
We measure success in moments, not just metrics. Yes, we bring technical skill, deep planning experience, and tax-savvy strategies. But what sets us apart is how we make space for your real life—the retirement you’ve imagined, the legacy you want to leave, and the clarity you’ve been searching for. This isn’t just about wealth—it’s about well-being. About Us
What is the difference between a financial advisor and a fiduciary?
Not all financial advisors are fiduciaries—but at Decima Wealth Consulting, we are. A fiduciary is legally and ethically obligated to put your best interest first, always. That means no commissions, no hidden incentives—just advice that’s focused on helping you achieve the life you want to live. If your advisor isn’t a fiduciary, it’s worth asking why. If your advisor works for a broker dealer, it is important to ask for their conflicts of interest and compensation disclosures. Is your advisor a fiduciary?
When should I start working with a financial planner for retirement?
Ideally, you should start planning for retirement 5–10 years before your target date—when you still have the flexibility to make smart, strategic decisions. But the truth is, it's never too early or too late to gain clarity. Many of our clients at Decima Wealth Consulting come to us around age 55, when questions about income, taxes, healthcare, and legacy start feeling more real. The earlier you start, the more confident you’ll feel. Creating a financial plan
How much do financial advisors cost?
At Decima Wealth Consulting, we believe in transparency. We charge a flat planning fee or a percentage of assets under management (AUM)—depending on your needs and the complexity of your situation. We’ll walk you through exactly how we’re compensated before you ever become a client. No guesswork. No surprises. Our Services
What is a retirement income plan, and why do I need one?
A retirement income plan answers one key question: How will I pay myself when the paychecks stop? Decima Wealth Consulting helps you build a tax-efficient strategy that coordinates Social Security, pensions, investment accounts, and required distributions into a sustainable monthly income. It’s about turning your assets into a paycheck you can count on—so you can focus on living, not worrying. Cash Flow Videos
What are the biggest mistakes people make when retiring?
Here are a few we see all too often:
Claiming Social Security too early
Underestimating healthcare costs
Ignoring sequence of return risk
Failing to plan for taxes
Not aligning your portfolio with your withdrawal needs
Our job is to help you spot those pitfalls in advance—and build a strategy that avoids them with confidence and clarity. Retirement Pitfalls
Can you help me determine how much to convert to a Roth IRA?
We do a detailed analysis of every clients tax return when we build a financial plan. The right choice depends on your current and future tax brackets. We often help clients “top off” lower tax brackets in retirement by converting funds to Roth strategically. It's not just about saving taxes now—it's about smart planning across decades and generations.
What is the best age to take Social Security benefits?
There’s no one-size-fits-all answer. Taking benefits at 62 gives you early access but a reduced amount. Waiting until 70 maximizes your monthly benefit. The right timing depends on your income needs, health, spousal benefits, and longevity risk. We run side-by-side comparisons to help you make the best decision based on your life—not someone else’s rule of thumb. Social Security Strategies
How does Decima Wealth Consulting help Pfizer colleagues?
We specialize in helping Pfizer colleague navigate the complexities of their compensation and retirement benefits. That includes:
Restricted Stock Units (RSUs) and TSRU planning
Optimizing 401(k) contributions (including Roth and after-tax options)
Understanding Health Savings Accounts (HSAs) and employee benefits
Planning around severance packages and early retirement incentives
Coordinating with Pension and PSSP payouts
Whether you're preparing for retirement or mid-career, we help you maximize the benefits you’ve earned Pfizer Colleague
How does Decima Wealth Consulting work with L3Harris employees and retirees
L3Harris professionals often face unique planning opportunities tied to:
Excess Retirement Savings Plan and how to manage distributions
Navigating 401(k) + after-tax contributions and in-plan Roth conversions
Leveraging stock plans and bonuses tax efficiently
We help integrate a robust benefit offering into your overall financial plan. L3Harris Employee
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Your Pfizer Benefits & Career: Financial Planning for Employees and Executives
Your L3Harris Benefits & Career: Financial Planning for Employees and Executives
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