For Those in Florida Seeking Peace of Mind for Their Family’s Future
Gain the Clarity You Need to Protect
And Shape What You Leave Behind
Create a clear legacy plan that helps protect your family, reflect your values & bring peace of mind.
A clear view of how your assets can be distributed to your family
Guidance to help reduce complexity and support smoother transitions
Support that helps align your financial plan with your family’s long-term goals
Minimize friction when transferring wealth to heirs, trusts, or charitable causes
You’ve Built Significant Wealth. Now It’s Time to Secure Its Future.
At this stage, it’s not about growing wealth — it’s about keeping it protected, structured, and ready.
Ready for transition.
Ready for tax efficiency.
Ready for the people who will one day inherit it.
We help high-net-worth families take a proactive approach to generational wealth planning. From trust structures and charitable strategies to governance tools that align family members and reduce future conflict. Our goal is to bring clarity to complex decisions so you can move forward with confidence, knowing your wealth is positioned to support not just your goals, but theirs as well.
Get A Clear Legacy Plan Now
Relationships That Go Beyond the Plan
We’re proud of the lasting relationships we’ve built. On average, our clients remain with us almost 2.5x longer than the industry average.
*Industry retention data referenced from Kitces Research on How Financial Planners Actually Do Financial Planning (Michael Kitces, 2019). Retention rates are estimates based on advisor survey responses and may not reflect all firms or models.
Our 4 Step Approach, Made Simple
Step One
Discovery
This first conversation is all about you — your life, your goals, and the questions that keep you thinking about what’s next.
By the end of the meeting, you and your advisor will have a clear understanding of:
- Where you stand financially today
- What you want your future to look like
- How we can help you move forward with a plan you feel good about
Step Two
Map & Guide
Your advisor will walk you through a personalized plan, built around your goals and guided by our Five Disciplines of Financial Planning.
This plan outlines the next steps to help align your financial decisions with the life you want — and we’ll be there to help guide you through each one.
Step Three
Faithful Watch™
Through our ongoing partnership, your advisor will keep a Faithful WatchTM over your plan — helping ensure it stays aligned as your life, goals, and the world around you change.
Whether it’s market shifts, tax law updates, or new priorities in your personal life, you’ll have a trusted advisor to help guide you through it with clarity and care.
Step Four
Dust Settle
Once your accounts are opened, we’ll meet again to begin the next phase of your financial planning journey.
Because real planning goes beyond investments — it’s about coordinating all the moving parts of your financial life to help support your bigger picture.
Our average fee for financial planning and investment management is approximately 1%, aligning our success with your long-term growth.
Putting People Before Portfolios Since 1988
Since 1988, The Tranel Financial Group has been rooted in genuine care and a people-first approach. Based in Safety Harbor, we provide Clearwater financial services and serve clients throughout Palm Harbor, Clearwater and St. Petersburg. Whether you’re looking for a trusted financial advisor in Palm Harbor or a financial consultant in St. Pete, our team delivers goal-driven strategies and lifelong partnerships to help you clarify and achieve your goals, dreams and priorities.
Our collaborative model gives you access to a full team including CFP® professionals, investment advisors, client service & client delight specialists. What sets us apart is our commitment to looking beyond the numbers. We take the time to understand your vision so we can help you build wealth, protect your legacy & live the life you’ve earned.
Roch Tranel
Founder CEO & CFP®
Financial Advisor since 1988
Tyler Braun
Director of Financial Planning
Financial Advisor since 2010
Jordan Bradford
Senior Financial Advisor & CFP®
Financial Advisor since 2015
Joey Bunton
Senior Financial Advisor
Financial Advisor since 2018
The Tranel Financial Group Historic Timeline
Get the Clear Legacy Plan: A Personalized Generational Wealth Strategy, Built Around You & Your Family’s Goals
Get the Clear Legacy Plan: A Personalized Generational Wealth Strategy, Built Around You & Your Family’s Goals
Meet with a CFP®-led team recognized nationwide for service, transparency, and award-winning leadership.
Led by our CEO, a 25-time Financial Planner of the Year at our broker dealer
Continued oversight through our signature Faithful Watch™ review process
Backed by a client delight team committed to exceptional service
Serving clients nationwide
World Leader Award recipient 11 years in a row from our broker dealer
A More Intentional Retirement Starts with a More Intentional Firm
To maintain the level of transparency & responsiveness we’re known for, we only take on a limited number of new clients each quarter. This helps ensure regular reviews and clear communication as your goals evolve.
If that’s the kind of retirement planning experience you’re looking for, let’s connect.
Take the First Step Toward Protecting What You’ve Built & Who It’s For
Request a consultation now and discover 3 powerful strategies to help build and protect your legacy today.
During your complimentary consultation, you’ll receive:
- A one-on-one strategy call with a dedicated advisor
- A high-level review of your financial and estate planning position
- Clear, informed next steps with no pressure, just perspective
We serve clients in Palm Harbor, Clearwater and St Petersburg, providing personalized financial planning and investment guidance tailored to their goals.
This session is designed to help you identify where your current plan may fall short so you can take action to protect your wealth, support your goals, and prepare the next generation.
Fill in the form below to get 3 strategies you can use today.
Who we serve:
- Individuals who no longer have the time to manage their own financial plan
- People experiencing major life changes like retirement, divorce, job transitions, inheritance, or the loss of a loved one.
- Families and individuals focused on generational wealth transfer and estate planning.
- Those with $100,000 or more in investable assets looking for professional guidance to help grow and protect their wealth.
Answers to the Questions We Hear Most
Should I consider using trusts for generational wealth planning?
Depending on the type of trust and how it's structured, there may be benefits related to tax planning, asset protection, and minimizing administration burden. Trusts can also play an important role in maintaining family harmony by setting clear expectations and reducing the chances of conflict among heirs. There are many types of trusts—revocable, irrevocable, charitable, and generation-skipping, to name a few—and each serves a different purpose depending on your goals, family structure, and the nature of your assets.
How can I reduce estate taxes for my heirs?
Strategies such as charitable contributions or establishing certain types of trusts may help reduce the taxable value of an estate. Lifetime gifting is another approach worth considering. In some cases, transferring assets during yours and their lifetime—rather than waiting until death—can help reduce the size of your taxable estate, take advantage of current gift tax exclusions (this may change based on the administration), and allow you to witness the impact of your generosity while you're still alive. These strategies should always be evaluated in the context of your specific financial goals and in consultation with qualified tax and estate planning professionals.
How often should I review my generational wealth plan?
Many individuals choose to review their wealth transfer plans annually or when there is a significant change in their life, such as a birth, death, marriage, or a major financial event. Regular reviews with your legal and financial advisors can help ensure your plan remains aligned with current laws and personal goals.
How can I prepare my heirs to manage wealth wisely?
This begins with clear communication and intentional family engagement. Some families create a family mission statement to define shared values, purpose, and expectations for how wealth should be preserved and used across generations. An annual family meeting can bring everyone together to review financial goals, revisit the mission statement, and strengthen alignment through open dialogue. When a family can combine these practices with guidance from advisors experienced in multigenerational planning, these steps help heirs prepare and feel confident to carry the family’s legacy forward.
How can I align my investments with my legacy goals?
Aligning investment strategies with broader legacy goals might include incorporating values-based investing, planning for charitable giving, or integrating investments with trust or estate structures. It's important to work with your advisor to determine what mix of strategies is most suitable for your financial objectives and time horizon.
How can I incorporate charitable giving into my wealth transfer plan?
Charitable giving strategies—such as donor-advised funds, charitable trusts, or direct gifts—can be considered as part of an overall estate plan. These tools may offer potential tax benefits while supporting personal philanthropic goals. Legal and tax advice should be obtained before implementing any charitable planning strategy.
How do I protect privacy in my generational wealth transfer plans?
For those who value discretion, certain estate planning tools such as trusts or private legal entities (e.g., a LLC) may offer more privacy than the public probate process. Your estate planning attorney can help you explore options that align with your preferences and objectives.
How can I help set up my family business to continue successfully after I retire or pass away?
Business succession planning can involve a variety of approaches, such as transferring ownership to family members, selling to a third party, or installing professional management. Developing a written succession plan and involving both legal and financial professionals can help support a smoother transition based on your long-term goals.
What is the difference between traditional wealth management and a family office?
Traditional wealth management typically focuses on investment advice, portfolio management, and financial planning. These services are well-suited for individuals and families seeking support in managing their assets and achieving long-term financial goals.
A family office, by contrast, is often designed for ultra-high-net-worth families and provides a more comprehensive, personalized approach. In addition to managing investments, a family office may coordinate estate planning, tax strategy, philanthropy, risk management, and even family governance and education—all under one integrated structure. Some family offices also handle administrative tasks like bill payment and recordkeeping.
The right fit depends on the complexity of your financial life and the level of support your family requires. A financial advisor can help assess your needs and guide you toward a solution that aligns with your goals and values.