Tampa's Fiduciary
Fee-Only Financial Advisors.
Oasis Wealth Planning's Florida hub carries a proud tradition — rooted in Lawrence Financial Planning, Tampa's trusted fee-only firm since 2009. Tax-focused, fiduciary retirement planning for near-retirees, retirees, and widows across the Tampa Bay area and beyond. No commissions. Ever.
🌴 Florida's Fee-Only Fiduciary Home · Carrying the Lawrence Financial Planning Tradition Since 2009 · Now Part of Oasis Wealth Planning
Tax-Focused, Fee-Only Fiduciary Advisors — Tampa Bay's Own
"Finding a local financial advisor you can trust in the Tampa and St. Petersburg area is not easy — but bringing a fiduciary approach here is a welcome respite from non-independent advisors at banks and major Wall Street firms."
Oasis Wealth Planning's Florida presence was built on a foundation of trust established by Julie Lawrence, CFP®, when she founded Lawrence Financial Planning in Tampa in 2009. In September 2023, Lawrence Financial and Oasis Wealth joined forces — combining two deeply compatible, fee-only fiduciary firms to bring Tampa-area clients an even deeper bench of expertise while preserving the personal, relationship-centered approach clients had come to rely on.
With offices across the Tampa Bay area — Westchase, Hidden River, Westshore, and downtown St. Petersburg — and the ease of secure video meetings, Oasis is always close to where you are. We serve near-retirees, retirees, and widows in Hillsborough, Pinellas, and Sarasota counties as an independent fiduciary advisor and are never paid a commission of any kind.
Our Tampa clients often come to us asking:
- Am I on track for a secure retirement?
- How do I create a reliable income stream I won't outlive?
- What are the best strategies to minimize income taxes in retirement?
- When is the right time to claim Social Security?
- What is the right mix of stocks and bonds for my stage of life?
- How do I select the right health insurance coverage in retirement?
- Does my estate plan truly reflect my wishes and minimize taxes?
- How do I leave a meaningful legacy to my loved ones and to charity?
A Fiduciary Standard — Legally Required to Act in Your Best Interest
- We never accept commissions of any kind
- Compensated only by you — no conflicts of interest
- Fiduciary duty required by law, not just a marketing claim
- CPA-led tax planning integrated with your retirement strategy
- NAPFA members — independently verified fee-only standard
- Ongoing relationship, not a one-time transaction
Built on the Lawrence Financial Planning Legacy
Julie Lawrence, CFP®, founded Lawrence Financial Planning in Tampa in 2009 after nearly a decade as a financial advisor. A member of NAPFA and the Alliance of Comprehensive Planners, Julie built LFP on the same fee-only, fiduciary principles that define Oasis Wealth today — never accepting a commission, always acting in the client's best interest.
When Lawrence Financial and Oasis Wealth combined in September 2023, the match was natural. Both firms were NAPFA members, both were fee-only fiduciaries, and both shared a deep commitment to tax-focused, holistic financial planning for near-retirees and retirees. The combined team brought together 120+ years of collective expertise and a significantly deeper breadth of services for Florida clients.
Christina Caffrey, Kyle Sheldon-Chandler, and other Lawrence Financial team members joined Oasis through the merger — bringing continuity, local knowledge, and the same client relationships that Tampa families had trusted for years.
The Lawrence-Oasis Combined Strength
- CFP®, CPA, JD, LLM, CFA, MBA credentials
- NAPFA members — independently verified fee-only
- Alliance of Comprehensive Planners affiliates
- Garrett Planning Network members
- 120+ years of combined client experience
- Tampa-rooted since 2009 through Lawrence Financial
- 4 Tampa Bay area meeting locations
- Serving Hillsborough, Pinellas & Sarasota counties
Tax-Focused Financial Planning & Investment Management
At Oasis, retirement planning, tax strategy, and investment management are never handled in isolation. Everything is coordinated — because your financial life is.
Retirement Income & Cash-Flow Planning
Detailed projections and spending analysis designed to ensure your assets last throughout retirement — stress-tested against downturns, inflation, and longevity using our matching bucket approach.
Proactive Income Tax Planning
Year-round tax strategy led by a CPA and tax attorney — Roth conversions, tax-loss harvesting, tax-efficient withdrawal sequencing, and full coordination with your estate plan.
Evidence-Based Investment Management
Disciplined, research-backed portfolio construction — cost-efficient, diversified, and aligned with your income needs, timeline, and risk tolerance. No proprietary products.
Social Security & Pension Optimization
Claiming at 62 versus 70 can mean hundreds of thousands of dollars over a lifetime. We analyze every option thoroughly before you make this irreversible decision.
Estate & Insurance Planning Coordination
We review beneficiary designations, insurance coverage, and estate planning documents to ensure your wishes are protected and assets transfer efficiently to the people you love.
Life-Centered Retirement Planning
Retirement is your encore. We help you define what you want it to look and feel like — then build a financial plan that gives you the freedom and confidence to live it fully.
A Team Built Around Your Florida Retirement
Our Tampa team brings together the senior planning and investment expertise of Steve Martin and Mel Bond with the holistic client-centered approach of Gosia Guziak — supported by an operations and client relations team with deep Tampa Bay roots going back to the Lawrence Financial days.
Steve founded Oasis Wealth with a singular mission — to bring truly independent, fiduciary-grade financial planning to clients across the Southeast. A CPA, attorney, and CFP® with an LLM in taxation, Steve leads our tax-first planning philosophy. He works with executives, small business owners, professionals, and retirees navigating the critical transition from accumulation to income.
Mel brings 30+ years of investment management experience to the Oasis team, overseeing our evidence-based portfolio construction and research. Holding both the CFP® and CFA designations — among the most rigorous credentials in the industry — Mel ensures every client portfolio is built with discipline, intentionality, and long-term thinking.
Gosia believes financial planning works best when it is both practical and deeply personalized. She partners closely with clients to build retirement strategies that are actionable, realistic, and focused on long-term goals — allowing clients to focus on the life they want, whether that means bucket-list adventures or simply the peace of mind that comes from a solid plan.
Brandon Seibel
CFP® · Wealth AdvisorBrandon's passion for financial planning led him from Liberty University to an advisor development program at a national firm before joining Oasis. He leads client meetings across a range of holistic planning areas — investments, taxes, and retirement strategy.
Christina Caffrey
Client Relationship Associate & ParaplannerChristina has been with the firm or its predecessor, Lawrence Financial Planning, since 2010. A Financial Paraplanner Qualified Professional, she communicates directly with clients, prepares financial reports, and helps oversee day-to-day operations for the Tampa office.
Kyle Sheldon-Chandler
Client Relations & OperationsKyle has been with the firm or its predecessor since Lawrence Financial's founding in 2009. An Executive Assistant and Project Manager with 30+ years of planning and project experience, Kyle is your first point of contact for scheduling, documents, and client support.
Kim Chaplin
Client Relationship Associate & ParaplannerKim's strengths are helping and serving others — using her communication and attention-to-detail skills to ensure every client receives the best possible experience and that operations run smoothly.
"Clarity for Today. Confidence for Tomorrow."
Tampa Bay retirees and near-retirees deserve a truly independent advisor — one who is legally required to act in your best interest, never earns a commission, and brings the combined depth of the Lawrence Financial and Oasis Wealth traditions to every conversation.
Four Tampa Bay Area Locations
We maintain meeting locations across the Tampa Bay area for your convenience. All meetings are by appointment. We are equally happy to meet by secure video from wherever you are — same team, same depth of conversation, no commute.
Westchase
Tampa, FL 33625
Hidden River
Westshore
Tampa, FL 33607
Downtown St. Petersburg
St. Petersburg, FL 33701
In-Person or by Secure Video — Your Choice
Many of our Tampa Bay clients prefer the convenience of video meetings — same depth of conversation, same team, no traffic on I-275. We meet by secure video with screen sharing at a time that works for your schedule, wherever you happen to be in Florida.
Schedule a Video Call →
Serving the Greater Tampa Bay Region & Beyond
Hillsborough County
Pinellas County
Sarasota & Manatee
Greater Florida
Retirement Planning Resources from Our Tampa Team
Our advisors regularly share practical guidance on the retirement planning topics that matter most to Tampa Bay near-retirees and retirees.
Florida Retirees: Why Tax Planning Still Matters Without a State Income Tax
Florida's lack of a state income tax is a major draw for retirees — but federal taxes on Social Security, RMDs, and investment income still require a careful strategy year-round.
Read More →When Should Tampa-Area Retirees Claim Social Security?
Claiming at 62 versus 70 can mean a difference of hundreds of thousands of dollars. Our approach to this irreversible decision starts with your full financial picture — not a rule of thumb.
Read More →Building a Retirement Income Plan That Lasts in Any Market
How Oasis uses a structured matching bucket approach to give retirees near-term security and long-term growth — so you can spend with confidence regardless of what markets do.
Read More →Let's Talk About Your Tampa Retirement
If you are looking for a trusted, fee-only fiduciary financial advisor in the Tampa Bay area — one who is legally required to act in your best interest, never earns a commission, and brings decades of local expertise — we would welcome the opportunity to connect.
In-person or video · Tampa · St. Petersburg · Sarasota · Orlando · Contact us · All advisors are fiduciaries