Gary LoDuca CFP®, ChFC, AIF® – Founder & Chief Executive Thinker of Thoughtful Advisors is proud to join the Melbourne Regional Chamber of Commerce.

Gary’s family moved to Melbourne Beach in 1978.  He attended Gemini Elementary, Hoover Junior High School and Melbourne High School.  He graduated from the University of Florida – College of Business and moved to Tampa to begin his career in financial services.  He’s been an Investment Adviser Representative (IAR) since 1996, CERTIFIED FINANCIAL PLANNER™ (CFP®) practitioner since 2011, Chartered Financial Consultant (ChFC) since 2013, Tax Planner since 2016, Accredited Investment Fiduciary® (AIF®) and Cash Balance Consultant (CBC) since 2018.

After years of working for mega financial service providers like First Union Securities, Merrill Lynch, American Express Financial Advisors, Franklin Templeton Investments and USAA Wealth Management, Gary decided to start an independent and fiduciary process based financial firm as an alternative.  It came to life on February 15, 2015.  It’s named Thoughtful Advisors since Gary believes most financial service firms do not seem take the time to thoughtfully assist business owners or retirement plan participants in how to tax efficiently accomplish their savings goals.  Thoughtful Advisors primary service area is designing and advising 401(k), 403(b) and other qualified and non-qualified retirement plans.

Gary is proud to have a clean compliance record over 25+ years as a fiduciary advisor.

After 32 years in Tampa, Gary was able to relocate his family “back home” to Melbourne Beach in February 2023.  He coaches South Beaches Little League Baseball and his family stays busy with year round sports, surfing and all things beach related.

He is a member of Tampa Bay Estate Planning Council and the University of Florida Advisor Network.

If your business has a retirement plan, Thoughtful Advisors is available to provide a 3rd party based benchmark analysis to provide insight on the 10 most important benefits to the plan.  If your business or non profit doesn’t have a 401(k) or 403(b) plan, Thoughtful Advisors can design and propose the best plan available to support your goals.

Gary LoDua