Independent · Fiduciary · North Central Florida
Retire with income
you can’t outlive.
I’m Andrea Moser — a fiduciary financial advisor helping families in Ocala, The Villages, Leesburg and Gainesville turn a lifetime of savings into dependable, guaranteed retirement income, and grow what’s left to invest with a plan built around your best interest.
Guaranteed income comes from optional annuity features, which may carry additional cost and are backed solely by the claims-paying ability of the issuing insurance company — not by any government agency.
The fiduciary difference
Advice that has to put you first.
Most financial professionals now owe you a best-interest duty when they make a recommendation. That duty attaches to the transaction — it is real, and it matters, but it is scoped to the moment of advice.
In my advisory work I’m a fiduciary, which is a broader and continuing obligation: it covers the whole relationship, not one recommendation, and it stays in force as your plan and the markets change. In practice that means transparent recommendations, plain-English explanations of how I’m paid, and a plan measured by whether it moves you closer to the retirement you want.
I work in two capacities, and it’s worth knowing which is which. Advisory accounts are managed for an ongoing fee under that fiduciary standard. Insurance and annuities are handled separately, as a licensed agent, where the insurer pays a one-time commission — described in full on our disclosures page.
How I help
Built around income first, growth always.
Everything starts with a question most plans skip: how will your money pay you, month after month, for the rest of your life? From there, we grow it, protect it, and pass it on.
Retirement Income Planning
A written plan that turns your savings into dependable monthly income — coordinating Social Security timing, withdrawals, and taxes so your paycheck doesn’t stop when your career does.
Learn more →Annuities & Guaranteed Income
Fixed and fixed-indexed annuities that protect your principal from market losses and can pay you a guaranteed income for life, backed by the issuing insurer.
Learn more →Wealth Management (AUM)
Professionally managed, risk-appropriate investment portfolios held at an independent custodian — built, rebalanced, and tax-managed with a fiduciary’s duty to your best interest.
Learn more →Life Insurance & Legacy
Life insurance and estate-transfer strategies that protect a spouse, pay off debt, and move wealth to the next generation tax-efficiently.
See all services →Medicare & Health Coverage
When you approach 65, I can help you understand your Medicare options so your health coverage fits the retirement plan you’ve built — without the confusion.
See all services →The Confident Retirement Roadmap
Four steps. No pressure. No jargon.
Discover
We start with a complimentary conversation about your goals, your accounts, and what a good retirement looks like to you.
Plan
I build a clear, written strategy — income, investments, taxes, and protection — with the trade-offs explained in clear, everyday terms.
Implement
We put the plan to work: guaranteed income where you want certainty, managed portfolios where you want growth.
Review
Life changes and markets move. We meet regularly to keep your plan — and your income — on track.
Proudly local
Serving retirees across North Central Florida.
From the squares of The Villages to the horse farms of Ocala and the neighborhoods of Gainesville and Leesburg — I meet clients where they are, in person or online.
Marion County
Ocala & nearby
- Ocala
- Belleview
- Dunnellon
- Silver Springs
- Ocklawaha
Sumter County
The Villages & nearby
- The Villages
- Wildwood
- Bushnell
- Coleman
- Lake Panasoffkee
Lake County
Leesburg & nearby
- Leesburg
- Clermont
- Mount Dora
- Tavares
- Eustis
- Lady Lake
Alachua County
Gainesville & nearby
- Gainesville
- Alachua
- Newberry
- High Springs
- Archer
Good questions
Frequently asked questions
What does it mean that you are a fiduciary?
In my advisory work I am legally and ethically bound to act in your best interest: recommendations start with your goals, and I explain the trade-offs of every option in plain language. I am also a licensed insurance agent, and I want to be straightforward about that — when an annuity, life or Medicare policy is the right fit, the insurer pays me a one-time commission. It comes from the insurance company, not out of what you put in, and I only recommend a product when it earns its place in your plan.
Do you work with people in The Villages and Ocala?
Yes. I work with retirees and pre-retirees throughout North Central Florida, including The Villages, Ocala, Leesburg, Clermont, Gainesville and the surrounding communities in Marion, Sumter, Lake and Alachua counties. Meetings can be in person or virtual.
How much money do I need to work with you?
There is no rigid minimum. Whether you are consolidating a few retirement accounts or managing a seven-figure portfolio, the first step is a complimentary conversation to see whether we are a good fit.
What does the first meeting cost?
Nothing. The initial consultation is complimentary and carries no obligation. If we decide to work together, I will explain exactly how I am compensated before you make any decision.
Let’s talk
A clear plan for your retirement starts with a conversation.
The first meeting is complimentary and there’s no obligation. We’ll talk through where you stand today and whether a plan makes sense for you.